Chilichonse Chimene Muyenera Kudziwa Ngati Mukufuna Kusintha Mapulani a Medicare
Zamkati
- Kodi ndingasinthe bwanji mapulani a Medicare Advantage?
- Kodi ndingasinthe liti mapulani a Medicare Advantage?
- Nthawi yoyamba kulembetsa
- Kulembetsa kwa Medicare Zopindulitsa
- Tsegulani nthawi yolembetsa
- Nthawi zolembetsa zapadera
- Ndani ali woyenera ku Medicare Advantage?
- Kodi mapulani a Medicare Advantage ndi ati?
- Kutenga
- Muli ndi mwayi wosintha dongosolo lanu la Medicare Advantage chaka chonse.
- Mutha kusintha mapulani anu a Medicare Advantage ndi Medicare omwe amakupatsani mankhwala munthawi yolembetsa ku Medicare kapena nthawi yolembetsa ya Medicare Advantage.
- Muthanso kusintha dongosolo lanu la Medicare Advantage panthawi yolembetsa yomwe imayambitsidwa ndikusintha kwakukulu m'moyo wanu.
Ngati zinthu zasintha kuyambira pomwe mudalembetsa nawo dongosolo la Medicare Advantage, mwina tsopano mukuyang'ana njira ina yomwe ingakwaniritse zosowa zanu. Koma kodi mutha kusiya njira imodzi ndikusinthira ina?
Yankho lalifupi ndilo, inde. Yankho lalitali: Mutha kusintha dongosolo lanu la Medicare Advantage koma pokhapokha munthawi yolembetsa pachaka. Sizovuta, koma ndikofunikira kuzichita panthawi yoyenera. Kupanda kutero, mutha kutaya kufalitsa kapena kupanga mipata pakakufotokozerani.
Nazi zomwe muyenera kudziwa za nthawi ndi momwe mungasinthire dongosolo lanu la Medicare Advantage.
Kodi ndingasinthe bwanji mapulani a Medicare Advantage?
Mapulani a Medicare Advantage (Gawo C) amaperekedwa ndi makampani a inshuwaransi wamba. Ngati muli ndi dongosolo la Medicare Advantage, mutha:
- sinthani njira ina ya Medicare Advantage yomwe imapereka chithandizo chamankhwala
- sinthani dongosolo lina la Medicare Advantage lomwe silipereka chithandizo chamankhwala
- sinthani kupita ku Medicare yoyambirira (magawo A ndi B) kuphatikiza gawo la Gawo D (mankhwala osokoneza bongo)
- sinthani ku Medicare yoyambirira osawonjezera dongosolo la Gawo D.
Mutha kusintha kamodzi kokha pamalingaliro anu panthawi yolembetsa ku Medicare Advantage.
Kuti musinthe mapulani, funsani omwe amakupatsani inshuwaransi ya pulani yomwe mumakonda ndikufunsira kuti mupatsidwe ndalama. Ngati simukudziwa momwe mungalumikizirane ndi omwe akukuthandizani, chida chopeza mapulani a Medicare chitha kukhala chothandiza. Mudzachotsedwa pa pulani yanu yam'mbuyo dongosolo lanu latsopano likangoyamba kugwira ntchito.
Ngati mukusintha kuchoka pa pulani ya Medicare Advantage kupita ku Medicare yoyambirira, mutha kuyitanitsa mapulani anu akale kapena kulembetsa kudzera ku Medicare poyimbira 800-MEDICARE.
Kodi ndingasinthe liti mapulani a Medicare Advantage?
Mutha kusintha mapulani a Medicare Advantage panthawi yolembetsa chaka chilichonse komanso munthawi yotsatira pambuyo pazochitika zina pamoyo. Nayi masiku ndi malamulo enieni a nthawi yomwe mungasinthe mapulani a Medicare Advantage.
Nthawi yoyamba kulembetsa
Mutha kusintha dongosolo lanu la Medicare Advantage nthawi iliyonse mukamalembetsa koyamba.
Ngati mukuyenerera kukhala Medicare kutengera msinkhu wanu, kulembetsa kwanu koyambirira kumayamba miyezi itatu isanakwane mwezi wazaka 65 zakubadwa kwanu, kuphatikiza mwezi wanu wobadwa, ndikupitilira miyezi itatu pambuyo pake. Pazonse, nthawi yoyamba kulembetsa imatha miyezi 7.
Ngati mukuyenerera Medicare potengera kulumala, nthawi yanu yoyamba kulembetsa imayamba miyezi itatu musanathe mwezi wa 25 kuti mulandire Social Security Disability Insurance kapena Railroad Retirement Board, kuphatikiza mwezi wanu wa 25, ndikupitilira miyezi itatu pambuyo pake.
Kulembetsa kwa Medicare Zopindulitsa
Mutha kusintha mapulani anu nthawi iliyonse munthawi yolembetsa ya Medicare Advantage kuyambira Januware 1 mpaka Marichi 31 chaka chilichonse. Iyi ndi nthawi yolembetsedwera ku Medicare.
Zosintha zomwe mumapanga zidzayamba patsiku loyamba la mwezi wotsatira mwezi womwe mwasintha.
Tsegulani nthawi yolembetsa
Mutha kusintha mapulani anu a Medicare Advantage nthawi iliyonse munthawi yachisankho, yomwe imadziwika kuti kulembetsa. Izi zimayamba kuyambira Okutobala 15 mpaka Disembala 7 chaka chilichonse. Zosintha zomwe mupange zidzayamba pa Januware 1 chaka chotsatira.
Nthawi zolembetsa zapadera
Zochitika zina m'moyo zimatha kuyambitsa mwayi wosintha dongosolo lanu la Medicare Advantage. Mukasamukira kumalo ena, zosankha zanu zimasintha, kapena mukakumana ndi zovuta zina pamoyo wanu, Medicare ikhoza kukupatsani nthawi yolembetsa.
Pano pali chidule cha zochitikazo ndi zomwe mungachite:
| Izi zikachitika ... | Ndingathe… | Ndili ndi izi kuti ndisinthe… |
|---|---|---|
| Ndimachoka m'dera lomwe ndimagwira ntchito | sinthani njira yatsopano ya Medicare Advantage kapena Part D | Miyezi iwiri * |
| Ndikusuntha ndipo mapulani atsopano amapezeka komwe ndimakhala | sinthani njira yatsopano ya Medicare Advantage kapena Part D | Miyezi iwiri * |
| Ndikubwerera ku United States | lowani ku Medicare Advantage kapena Part D dongosolo | Miyezi iwiri * |
| Ndimachoka kapena kupita kumalo osungira anthu aluso kapena malo osamalira anthu kwanthawi yayitali | lowani ku Medicare Advantage kapena Part D plan, sinthani mapulani a Medicare Advantage, kapena kusiya Medicare Ubwino ndikusinthira ku Medicare yoyambirira | malingana ngati mukukhala mu malowa ndi miyezi 2 mutachoka |
| Ndatulutsidwa m'ndende | lowani ku Medicare Advantage kapena Part D dongosolo | Miyezi iwiri * |
| Sindikuyeneranso kulandira Medicaid | lowani ku Medicare Advantage kapena Part D plan, sinthani mapulani a Medicare Advantage, kapena kusiya Medicare Ubwino ndikusinthira ku Medicare yoyambirira | Miyezi itatu * |
| Ndilibe inshuwaransi yazaumoyo kuchokera kwa abwana anga kapena mgwirizanowu | lowani ku Medicare Advantage kapena Part D dongosolo | Miyezi iwiri * |
| Ndikulembetsa dongosolo la PACE | kusiya Medicare Advantage kapena Part D dongosolo | nthawi iliyonse |
| Medicare idatsutsa dongosolo langa | sinthani mapulani a Medicare Advantage | kukhazikika pamlandu |
| Medicare imamaliza dongosolo langa | sinthani mapulani a Medicare Advantage | kuyambira miyezi iwiri dongosololi lisanathe mpaka mwezi umodzi litatha |
| Medicare siyikonzanso dongosolo langa | sinthani mapulani a Medicare Advantage | kuyambira Dis 8 mpaka tsiku lomaliza mu Feb |
| Ndine woyenera kulandira Medicare ndi Medicaid | kujowina, kusintha, kapena kusiya mapulani a Medicare Advantage | kamodzi pa Jan-Mar, Apr-Jun, ndi Jul – Sep |
| Ndilembetsa nawo pulogalamu ya State Pharmaceutical Assistance (kapena kutaya dongosolo) | lowetsani dongosolo la Medicare Advantage ndi Gawo D | kamodzi pachaka cha kalendala |
| Ndimasiya mfundo zanga za Medigap ndikalowa nawo dongosolo la Medicare Advantage | kusiya Medicare Ubwino ndikulowa nawo Medicare yoyambirira | Miyezi 12 mutangoyamba kulowa nawo dongosolo la Medicare Advantage |
| Ndili ndi Ndondomeko Yakusowa Kwapadera koma ndilibenso chosowa chapadera | sinthani dongosolo la Medicare Advantage kapena Part D | Patatha miyezi itatu chisomo chitha |
| Ndimalowa nawo dongosolo lolakwika chifukwa cholakwika ndi wogwira ntchito ku feduro | lowani ku Medicare Advantage kapena Part D plan, sinthani mapulani a Medicare Advantage, kapena kusiya Medicare Advantage ndikusinthira ku Medicare yoyambirira | Miyezi iwiri * |
| Medicare imapereka nyenyezi za 5 ku pulani m'dera langa | sinthani dongosolo la nyenyezi zisanu la Medicare Advantage | kamodzi pakati pa Dis 8 ndi Nov 30 |
*Funsani Mankhwala kuti mumve zambiri nthawi ikayamba.
Ndani ali woyenera ku Medicare Advantage?
Kuti muyenerere dongosolo la Medicare Advantage, muyenera kulembetsa ku Medicare yoyambirira (Gawo A ndi Gawo B). Muyeneranso kukhala mdera la inshuwaransi lomwe limapereka mapulani a Medicare Advantage kwa omwe adzapindule nawo.
Kuti muyenerere kukhala ndi Medicare yoyambirira, muyenera kukhala nzika yaku US kapena kukhala okhazikika mwalamulo kwa zaka zosachepera 5 ndikukwaniritsa gawo limodzi kapena angapo mwa awa:
- ali ndi zaka 65 kapena kupitirira
- kukhala wolumala
- ali ndi amyotrophic lateral sclerosis (ALS)
- ali ndi matenda am'magazi am'magazi (ESRD)
Kodi mapulani a Medicare Advantage ndi ati?
Mapulani a Medicare Advantage (Gawo C) ndi inshuwaransi yazaumoyo yomwe amagulitsidwa ndi makampani a inshuwaransi. Amapereka kufotokozera komweko monga Medicare yoyambirira (Gawo A ndi Gawo B), kuphatikiza maubwino ena.
Kutengera ndi dongosololi, zina mwazabwinozo zitha kuphatikizira mano, kumva, kuwona, komanso kuphimba mankhwala. Mutha kufananiza mapulani pogwiritsa ntchito chida chopezera mapulani a Medicare. Izi zikuthandizani kuti muwone kufalitsa ndi mitengo yomwe ilipo pafupi nanu.
Kutenga
Mutha kusintha mapulani anu a Medicare Advantage mwa:
- mwina kuwonjezera kapena kusiya kugwiritsa ntchito mankhwala osokoneza bongo
- kusintha njira ina ya Medicare Advantage
- kubwerera ku Medicare yapachiyambi, kapena wopanda dongosolo la mankhwala
Chofunikira kudziwa ndikuti mutha kusintha mapulani anu nthawi zina zokha pachaka. Mutha kusintha nthawi iliyonse mukamalembetsa miyezi 7. Muthanso kusintha nthawi yolembetsa yotseguka kugwa kulikonse.
Nthawi ina yomwe mungasinthe ndi nthawi yolembetsa ku Medicare Advantage koyambirira kwa chaka chilichonse. Kuphatikiza apo, zosintha zina m'moyo zimakupatsani mwayi wosintha mapulani anu munthawi yolembetsa.
Mukakhala okonzeka kusinthana, dziwani kuti mutha kupeza thandizo ndikupeza ndikulembetsa mu dongosolo loyenera.
Nkhaniyi idasinthidwa pa Novembala 17, 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.
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