Mapulani a Virginia Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Virginia?
• Ndani ali woyenera ku Medicare ku Virginia?
• Ndingalembetse liti ku mapulani a Medicare Virginia?
• Malangizo pakulembetsa ku Medicare ku Virginia
• Zida za Virginia Medicare
• Ndiyenera kuchita chiyani kenako?

Medicare imapereka inshuwaransi yazaumoyo kwa anthu opitilira 62 miliyoni aku America, kuphatikiza ma Virginians 1.5 miliyoni. Pulogalamu yaboma iyi imakhudza azaka zopitilira 65, komanso achikulire omwe ali ndi zilema.

Munkhaniyi, tiwona momwe Medicare imagwirira ntchito, omwe ali oyenera, momwe angalembetsere, ndi maupangiri ogulira mapulani a Medicare ku Virginia.

Medicare ndi chiyani?

Ngati mumakhala ku Virginia, mutha kusankha pakati pa Medicare yoyambirira ndi dongosolo la Medicare Advantage. Onsewa ndi Medicare, koma amapereka maubwino anu m'njira zosiyanasiyana.

Medicare Yoyambirira imayendetsedwa ndi boma, pomwe mapulani a Medicare Advantage amagulitsidwa ndi mabungwe azinsinsi za inshuwaransi.

Medicare Yoyamba ili ndi magawo awiri:

• Gawo A (inshuwaransi ya chipatala). Ntchito zothandizidwa ndi Gawo A zimaphatikizapo chisamaliro cha odwala kuchipatala komanso chisamaliro chantchito yaunamwino kwakanthawi kochepa. Gawo A limalipiridwa ndi misonkho ya Medicare, chifukwa chake anthu ambiri safunika kulipira pamwezi pamwezi.
• Gawo B (inshuwaransi ya zamankhwala). Gawo B limafotokoza zinthu monga ntchito zamankhwala, chisamaliro cha kuchipatala, ndi ntchito zopewera. Gawo B limasiyana malinga ndi ndalama zanu.

Medicare Yoyamba siyilipira 100% ya ndalama zothandizira. Mukakumana ndi deductible, mungafunikire kulipira ndalama zandalama kapena zolipira. Ngati mukufuna kuthandizidwa kulipira ndalamazi, mutha kupeza inshuwaransi yothandizira ya Medicare, yotchedwanso Medigap. Ndondomekozi zimagulitsidwa ndi makampani wamba.

Ku Virginia, mutha kulembetsanso kuti mupatsidwe mankhwala. Mapulaniwa amadziwika kuti Medicare Part D, ndipo amaperekedwa ndi makampani wamba. Ndondomeko yamankhwala imatha kukuthandizani kulipira mankhwala onse omwe mungapeze.

Madongosolo a Medicare Advantage (Gawo C) ndiye njira yanu ina ku Virginia. Amapereka chithandizo chonse cha Medicare A ndi B, ndipo nthawi zambiri amakhala gawo D, mu njira imodzi yabwino. Kutengera dongosolo lomwe mungasankhe, atha kukhala ndi maubwino ena, monga mano, kumva, ndi masomphenya. Malingaliro ena a Medicare Advantage amatha kuphimba ziwalo zolimbitsa thupi ndi zinthu zina.

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Virginia?

Makampani ambiri a inshuwaransi amapereka mapulani a Medicare Advantage ku Virginia, kuphatikiza izi:

• Aetna
• Nyimbo ya Blue Cross Blue Shield
• Anthem HealthKeepers
• Humana
• Thanzi Labwino
• Kaiser Permanente
• Optima
• UnitedHealthcare

Makampaniwa amapereka mapulani m'maboma ambiri ku Virginia. Komabe, mapulani a Medicare Advantage amasiyana malinga ndi boma, chifukwa chake lembani ZIP code yanu posaka mapulani komwe mumakhala.

Ndani ali woyenera ku Medicare ku Virginia?

Pali njira zingapo zomwe mungakwaniritsire Medicare ku Virginia, kuphatikiza:

• Muli ndi zaka 65 kapena kupitirira. Ngati ndinu nzika yaku U.S. kapena wokhalamo kwanthawi zonse amene mwakhala mdzikolo kwa zaka zosachepera zisanu, mudzakhala oyenerera mukadzakwanitsa zaka 65.
• Ykapena mumalandira Inshuwaransi Yolemala ya Social Security (SSDI). Ngati muli ndi chilema ndikulandila SSDI, mudzayenerera Medicare pakadutsa zaka ziwiri.
• Mutha kukhala ndi matenda am'magazi (ESRD) kapena amyotrophic lateral sclerosis (ALS). Mukuyenera kulandira Medicare pamsinkhu uliwonse ngati mwapezeka ndi ESRD kapena ALS.

Ndingalembetse liti ku mapulani a Medicare Virginia?

Mutha kulembetsa nawo mu gawo la Medicare A ndi B ngati muli muzochitika izi:

• Ndiwe wochepera zaka 65 ndipo uli ndi chilema. Mukalandira maubwino a Social Security kwa miyezi 24, mudzalandira Medicare mosavuta.
• Mukutha zaka 65 ndikupeza Social Security. Ngati mukulandira kale phindu la Social Security pantchito, chithandizo chanu cha Medicare chimayamba zokha mukadzakwanitsa zaka 65.

Ngati simupeza Medicare mosavuta, mutha kulembetsa nthawi imodzi yolembetsa:

• Nthawi Yolembetsa Koyamba. Miyezi 7 iyi ndi mwayi wanu woyamba kupeza Medicare mukakwanitsa zaka 65. Iyamba miyezi 3 mwezi wanu wazaka 65 usanathe ndipo imatha miyezi itatu kuchokera tsiku lobadwa.
• Nthawi Yolembetsa Yamankhwala. Pakati pa Okutobala 15 ndi Disembala 7 chaka chilichonse, mutha kusintha momwe mungapezere Medicare. Pakadali pano, mumaloledwa kulembetsa dongosolo la Medicare Advantage.
• Nthawi Yolembetsa ya Medicare Advantage. Kuyambira Januware 1 mpaka Marichi 31 chaka chilichonse, mutha kusintha njira ina ya Medicare Advantage.

Ngati mukukumana ndi zochitika zina m'moyo, mutha kukhala ndi mwayi wolembetsa. Izi zikutanthauza kuti mutha kulembetsa ku Medicare kunja kwa nthawi yakulembetsa pachaka. Mutha kukhala ndi nthawi yolembetsa ngati mungataye dongosolo laubwana wanu, mwachitsanzo.

Malangizo pakulembetsa ku Medicare ku Virginia

Mukasankha pakati pa Medicare ndi Medicare Advantage yapachiyambi, ndi magawo osiyanasiyana ndi zowonjezera, kumbukirani zinthu izi:

• CMS nyenyezi mlingo. Centers for Medicare & Medicaid Services (CMS) imagwiritsa ntchito dongosolo la nyenyezi zisanu kuti likuthandizireni kufananiza mtundu wa mapulani a Medicare. Mapulani adavoteledwa pafupifupi zinthu 45, kuphatikiza chisamaliro ndi ntchito yamakasitomala.
• Maukonde adotolo. Mukalowa nawo dongosolo la Medicare Advantage, nthawi zambiri mumayenera kukawona madotolo mumanetiwerengedwe ake. Ngati muli ndi dokotala yemwe mumamukonda, fufuzani zomwe akukhala nawo musanasankhe dongosolo lanu.
• Konzani ndalama. Mukalembetsa dongosolo la Medicare Advantage, mungafunike kulipira pamwezi pamwezi pa Medicare part B. Zina zomwe mungaganizire ndi monga kuchotsera kwa dongosololi, ndalama zowonongera ndalama, komanso zopereka ndalama.
• Ntchito zophimbidwa. Mapulani a Medicare Advantage atha kukhala ndi ntchito zomwe Medicare zoyambirira sizichita, monga mano, kumva, kapena kusamalira masomphenya. Ngati pali ntchito zina zomwe mukudziwa kuti mufunika, onetsetsani kuti mapulani anu amawaphimba.

Zida za Virginia Medicare

Medicare ndi pulogalamu yovuta, choncho musazengereze kufunsa mafunso. Kuti mudziwe zambiri, mutha kulumikizana ndi:

• Ndondomeko Ya Upangiri wa Inshuwaransi ya Virginia & Thandizo: 800-552-3402
• Utsogoleri wa Social Security: 800-772-1213

Ndiyenera kuchita chiyani kenako?

Mukakonzeka kuyamba kugula mapulani a Medicare, mutha:

• Lumikizanani ndi Social Security Administration kuti mulembetse ku Medicare. Mutha kusankha kugwiritsa ntchito intaneti, pamasom'pamaso, kapena pafoni.
• Pitani ku Medicare.gov kuti mupeze mapulani a Medicare ku Virginia.
• Lumikizanani ndi Virginia Insurance Counselling & Assistance Program ngati mukufuna thandizo poyerekeza zosankha za Medicare.

Nkhaniyi idasinthidwa pa Novembala 20, 2020, kuti iwonetse zambiri za 2021 Medicare.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.