Kodi Ndingaleke Liti ku Dongosolo Langa la Medicare Advantage?

Zamkati

• Kodi ndingalowe nawo liti kapena kusiya dongosolo la Medicare Advantage?
• Kulembetsa koyamba
• Tsegulani olembetsa
• Kulembetsa mwapadera
• Zifukwa zotayira kapena kusintha mapulani anu
• Momwe mungasankhire nkhani yoyenera kwa inu
• Masitepe otsatira: Momwe mungalembetsere kapena kusintha mapulani
• Kutenga

• Mapulani a Medicare Advantage amapereka chithandizo cha Medicare choyambirira koma nthawi zambiri amakhala ndi maubwino ena.
• Mukangolembetsa Medicare Advantage, zomwe mungasankhe kuti musiye kapena kusintha mapulani anu zimakhala ndi nthawi zina.
• Munthawi izi, mutha kubwerera ku Medicare yoyambirira kapena sinthani dongosolo lina la Medicare Advantage.

Mwachita kafukufuku wanu ndikupanga kudumpha kuchokera ku Medicare yoyambirira kupita ku Medicare Advantage. Koma chimachitika ndi chiyani mukasintha malingaliro anu kapena mukawona kuti si malingaliro oyenera kwa inu? Ngati mukufuna kulembetsa kapena kusintha mapulani anu a Medicare Advantage, muyenera kudikirira kuti mulembetse windows, yofanana ndi yomwe mudayamba kulembetsa.

Tiwerengera nthawi iliyonse ya kulembetsa, tifotokozere mtundu wamapulani omwe mungasankhe munthawizi, momwe mungasankhire dongosolo labwino kwambiri kwa inu, ndi zina zambiri.

Kodi ndingalowe nawo liti kapena kusiya dongosolo la Medicare Advantage?

Medicare Advantage ndichosankha cha Medicare chomwe mumagula kudzera kwa inshuwaransi yaokha. Zimaphatikizapo mbali zonse za Medicare zoyambirira (Gawo A ndi Gawo B) kuphatikiza ntchito zowonjezera kapena zosankha monga Medicare Part D yolembetsera mankhwala ndi inshuwaransi yowonjezera.

Amadziwikanso kuti Medicare Part C, Medicare Advantage ndi njira yophatikizira payokha yomwe imapereka chithandizo chokwanira cha kuchipatala kwa odwala ndi kuchipatala ndi zina zowonjezera ndi ntchito.

Kulembetsa koyamba

Mutha kulembetsa ku Medicare Advantage mukakhala woyamba kulandira Medicare. Mumakhala woyenera ku Medicare patsiku lanu lobadwa la 65, ndipo mutha kulembetsa nawo pulogalamuyi patadutsa miyezi 7 (miyezi itatu musanakwanitse zaka 65, mwezi wokumbukira kubadwa kwanu, ndi miyezi itatu mutatha).

Ngati mungalembetse panthawiyi, ndipamene mungayembekezere kuti kufalitsa kumayamba:

• Ngati mungalembetse pa Miyezi 3 isanachitike tsiku lanu lobadwa la 65, kufalitsa kwanu kumayambira tsiku loyamba la mwezi mutakwanitsa zaka 65 (mwachitsanzo: tsiku lanu lobadwa ndi Meyi 15 ndipo mulembetsa mu February, Epulo, kapena Marichi, kufalitsa kwanu kudzayamba pa Meyi 1).
• Ngati mulembetsa mkati mwa mwezi tsiku lanu lobadwa, kufalitsa kwanu kudzayamba mwezi umodzi mutatha kulembetsa.
• Ngati mungalembetse pa Patatha miyezi itatu tsiku lanu lobadwa, kubisa kwanu kumayamba miyezi iwiri kapena itatu mutatha kulembetsa.

Ngati mutasankha dongosolo la Medicare Advantage mukamalembetsa koyamba, mutha kusintha njira ina ya Medicare Advantage kapena kubwerera ku Medicare yoyambirira mkati mwa miyezi itatu yoyambirira.

Tsegulani olembetsa

Mutatha kulembetsa nthawi yoyamba kulembetsa, pamakhala kangapo pachaka chonse pomwe mungasinthe kapena kusiya kufalitsa kwanu kwa Medicare Advantage. Nthawi izi zimachitika nthawi yofanana chaka chilichonse.

• Nthawi yolembetsa ku Medicare (Okutobala 15-Disembala 7). Iyi ndi nthawi chaka chilichonse yomwe mutha kuwunika momwe mukulembera ndikusintha ngati pakufunika kutero. Munthawi imeneyi, mutha kusintha mapulani anu a Medicare, kulembetsa ku Medicare Advantage kapena Medicare Part D, kapena kusintha njira kuchokera ku Medicare Advantage kupita ku ina.
• Nthawi yachisankho ya Medicare Advantage pachaka chilichonse (Januware 1 – Marichi 31). Munthawi imeneyi, mutha kusintha kuchokera ku Medicare Advantage kubwerera ku Medicare yoyambirira komanso mosemphanitsa. Mutha kusintha mapulani osiyanasiyana a Medicare Advantage kapena kuwonjezera kufalitsa kwa Medicare Part D.

Kulembetsa kapena kusintha mapulani munthawi imeneyi kungakuthandizeni kupewa zilango zolembetsa mochedwa.

Kulembetsa mwapadera

Pali zochitika zina zapadera zomwe simungathe kuzilamulira, monga kusamukira kudera lomwe dongosolo lanu silikugwira ntchito. M'mikhalidwe yamtunduwu, Medicare imakupatsani mwayi wosintha nthawi zina popanda chilango.

Nthawi zolembetsa zapadera zimachitika mukamawafuna. Mwachitsanzo, ngati mwasamuka ndipo dongosolo lanu la Medicare Advantage silikukhudza dera lomwe mukukhala, nthawi yanu yolembetsa imatha kuyamba mwezi musanasamuke kenako miyezi iwiri mutasamuka. Nthawi zolembetsa zapadera zimayamba mukawafuna ndipo zimatha pafupifupi miyezi iwiri chichitikireni mwambowu.

Zitsanzo zina zochepa za izi zitha kukhala:

• mwasamukira kapena kutuluka kuchipatala chogona (malo oyamwitsa aluso, okhala ndi othandizira, ndi zina zambiri)
• simulinso woyenera kulandira chithandizo cha Medicaid
• Mumapatsidwa chiphaso kudzera mwa olemba anzawo ntchito kapena mgwirizano
  

Tikambirana zina mwazifukwa zomwe mungafune kusintha mapulani mu gawo lotsatira.

Kaya zosowa zanu zasintha, mwasamuka, kapena simukukonda dongosolo lanu lamakono, nthawi zosiyanasiyana zolembetsa zimakupatsani mwayi wosintha. Izi sizikutanthauza kuti muyenera kubwerera ku Medicare yoyambirira - nthawi zonse mutha kusintha njira imodzi ya Medicare Advantage kupita ku ina. Mukuthanso kusintha kusintha kwa mankhwala omwe mumalandira.

Zifukwa zotayira kapena kusintha mapulani anu

Ngakhale kuyesetsa kwakukulu kukupanga chisankho choyambirira pamalingaliro a Medicare, mungafunikire kusintha pazifukwa zosiyanasiyana. Mwina dongosololi lidasintha zopereka zake, kapena zosowa zanu zasintha.

Ngati dongosolo lanu la Medicare Advantage silikukwaniritsa zosowa zanu, mungafune kubwerera ku Medicare yoyambirira kapena kusintha mapulani a Part C. Mungafunike kuwonjezera kapena kusintha dongosolo lanu la mankhwala, kusinthana ndi dongosolo la Medicare Advantage lomwe limakhudzana ndi othandizira kapena ntchito zosiyanasiyana, kapena mupeze dongosolo lomwe limakhudza malo atsopano.

Zina mwazifukwa zosintha mapulani ndi izi:

• mwasuntha
• mwataya kufalitsa kwanu kwapano
• muli ndi mwayi wopeza chinsinsi kuchokera kwina, monga wolemba anzawo ntchito kapena mgwirizano
• Medicare imaliza mgwirizano wake ndi pulani yanu
• wothandizira anu asankha kuti asaperekenso pulani yanu
• mumayenereranso ntchito zina, monga Thandizo lowonjezera kapena dongosolo la zosowa zapadera

Zonse zomwe zili pamwambazi zikuyenererani kuti mudzakhale olembetsa mwapadera.

Momwe mungasankhire nkhani yoyenera kwa inu

Pali zifukwa zambiri zofunika kuziganizira mukamasankha dongosolo la Medicare, ndipo zosowa zanu kapena ndalama zanu zingasinthe panjira. Ganizirani zomwe mungasankhe mosamala pachiyambi, kusunga zosowa zanu zaposachedwa komanso zamtsogolo komanso bajeti yanu.

Mapulani a Medicare Advantage amapereka zina zowonjezera koma amawononga kuposa Medicare yoyambirira. Zina mwazomwe mumalipira patsogolo ndi Medicare Advantage zitha kukupulumutsirani nthawi yayitali, makamaka pazithandizo zowonjezera monga chithandizo chamankhwala, masomphenya ndi chisamaliro cha mano.

Ngati mupita ndi dongosolo la Medicare Advantage, muyenera kuunikiranso za mapulani a dongosololi komanso ngati omwe akukuthandizani omwe akukhalani kapena omwe mumawakonda ali pa intaneti. Yerekezerani mapulani mosamala kuti mupeze zomwe zikugwirizana ndi zosowa zanu.

Muyeneranso kuwunikiranso zomwe mungasankhe mukalandira mankhwala, poganizira mapulani omwe amakhudza mankhwala anu. Ndondomeko iliyonse iyenera kufotokoza za mtengo wamankhwala osiyanasiyana. Onetsetsani kuti zomwe mukufuna zikupezeka pamtengo womwe mungakwanitse.

Masitepe otsatira: Momwe mungalembetsere kapena kusintha mapulani

Mukasankha kusiya kapena kusintha dongosolo lanu la Medicare Advantage, gawo loyamba ndikulembetsa dongosolo latsopano lomwe mwasankha. Chitani izi polemba pempho lolembetsa ndi pulani yatsopanoyi nthawi yolembetsa kapena yapadera kuti mupewe zilango. Mukasayina ndi pulani yatsopano ndikuyamba kufalitsa kwanu, mudzachotsedwa pamalingaliro anu am'mbuyomu.

Ngati mukuchoka ku Medicare Advantage kuti mubwerere ku Medicare yoyambirira, mutha kuyimbira 800-MEDICARE kuti muyambirenso ntchito zoyambirira za Medicare.

Mukakumana ndi mavuto, mutha kulumikizana ndi Social Security Administration, yomwe imayendetsa pulogalamu ya Medicare, kapena SHIP yakwanu (State Health Insurance Assistance Program).

Kutenga

• Madongosolo a Medicare Advantage amakulitsa pazantchito ndi kufalitsa koperekedwa ndi Medicare yoyambirira, koma atha kukhala owonjezera.
• Ngati mwalembetsa dongosolo la Medicare Advantage, mutha kusintha mapulani a Advantage kapena kubwerera ku Medicare yoyambirira munthawi inayake.
• Pofuna kupewa zilango, muyenera kusintha kapena kusiya mapulani munthawi yolembetsa kapena yapachaka, kapena fufuzani kuti muwone ngati mukuyenera kulembetsa.

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.