Kuwongolera kwanu kwa Medicare kulembetsa kulembetsa

Kampani

Kulembetsa momasuka ndi mawu azaumoyo omwe amatanthauza nthawi yomwe mumatha kulembetsa chaka chatsopano, kapena kusintha mapulani a inshuwaransi yanu.

Mutha kutero poyamba kulembetsa ku Medicare kwa miyezi isanu ndi iwiri kuyambira miyezi itatu musanabadwe zaka 65, kapena nthawi yoikika mutakhala woyenera kulumala. Kapena, ngati mumagwira ntchito yopitilira zaka 65, muli ndi miyezi isanu ndi itatu yolembetsa pambuyo posiya dongosolo lomwe amakuthandizani. Nthawi ziwiri zolembetsa ku Medicare ndizosiyana ndi kulembetsa kwa Medicare.

Kodi Medicare imalembetsa kulembetsa liti?

Kulembetsa poyera kwa Medicare kumachitika pakati Ogasiti 15 kuti Disembala 7 pachaka. Kuphunzira kwanu kwatsopano kwa Medicare kudzayamba pa Januware 1 chaka chamawa.

Nthawiyo idapangidwa kuti ikupatseni nthawi yochuluka yosankhira dongosolo loyenera, kwinaku mukuwonetsetsa kuti olembetsa amakhala ndi makhadi awo atsopano nthawi yomwe mapulani ayamba.

Ikani chizindikiro mu pulani yanu, kapena ikani chochitika chapa Google chakalendara. Madetiwo sasintha chaka ndi chaka.

Kodi nthawi yolembetsa ku Medicare ndi yotani?

Madongosolo a Medicare amasintha chaka ndi chaka. Izi zikutanthauza kuti asing'anga ndi ma pharmacies ophatikizidwa ndi netiweki, kapena mtengo wothandizira zaumoyo ukhoza kukhala wosiyana. Ndipo momwemonso mikhalidwe yanu. Mwinamwake muli ndi thanzi labwino lomwe limabwera ndi mankhwala atsopano, ndipo izi zimasintha dongosolo lanu la mankhwala. Kapenanso, mwina mudachitidwapo opaleshoni posachedwa, ndipo kuchira kwanu kumafunikira akatswiri atsopano omwe simukuwafotokozera. Mwinamwake, muli ndi ndondomeko ya nyenyezi ziwiri, ndipo mwazindikira kuti mukufuna kukonzanso dongosolo la nyenyezi zisanu.

Chaka chilichonse, mapulani a Part D mankhwala ndi Medicare Advantage amatha kusintha zinthu zambiri pofotokoza, a Diane Omdahl,purezidenti komanso woyambitsa wa 65 Kuphatikizidwa , chithandizo chothandizira ku Medicare. Akupitiriza,Zosintha zomwe zingachitike pamagawo azithandizo la mankhwala a Part D ndi awa:

• umafunika
• mawonekedwe ake
• gawo la mankhwala
• deductible yapachaka
• zopereka kapena ndalama zandalama
• Malamulo owerengera (njira yothandizira, chilolezo choyambirira)
• zopezera mankhwala
• mavoti nyenyezi

Omdahl akufotokoza kuti mapulani a Medicare Advantage amathanso kusintha zambiri pofotokoza zaumoyo, kuphatikiza:

• ndalama zoyambira pamwezi
• malire apachaka ogwiritsira ntchito kuthumba
• kuchotsera kuchipatala pachaka
• ndalama zotulutsira mthumba (zolipiritsa, ndalama za ndalama, mankhwala osokoneza bongo)
• netiweki ya omwe amapereka
• nyenyezi (zabwino) mavoti
• maubwino osankha, monga masomphenya kapena kuphimba mano

Kulembetsa momasuka ndi nthawi yoti musinthe zina ndi zina kuti inshuwaransi yanu iwonetse zakusintha kwanu. Mutha kusintha kuchokera ku Original Medicare kupita ku Medicare Advantage, kusintha mapulani a Medicare Advantage, kapena kulembetsa zatsopano kapena kusintha mapulani omwe alipo a Medicare Part D.

ZOKHUDZA: Kodi ndingagwiritse ntchito SingleCare ngati ndili pa Medicare?

Kodi mungadziwe bwanji ngati mukufuna kusintha mapulani a Medicare?

Nthawi zonse ndibwino kuti muwunikenso zomwe dongosolo lanu likukutumizirani kuti muwonetsetse kuti palibe zosintha zomwe zikukukhudzani, mongaUmboni Wopezeka (EOC) ndi Chidziwitso Cha Chaka Chosintha (ANOC). Ngati mwachita izi, ndipo mukusangalala ndi kufalitsa kwanu kapena zosowa zanu sizinasinthe, simuyenera kuchita kalikonse panthawi yolembetsa.

Ngati pulani yanu yatha, muyenera kulandira chidziwitso chosakonzanso pofika Okutobala 2 kuchokera kwa omwe akukuthandizani.

Ndi malingaliro ati a Medicare omwe amapezeka?

Mutha kuyamba kuwunika zomwe mungasankhe polembetsa olembetsa pa Okutobala 1. Pali chatsopano Wopeza Mapulani a Medicare chida cha 2020, pokhapokha mutasankha kugwiritsa ntchito chida chakale, tsambalo limawoneka losiyana. Zina mwazinthuzi ndi monga:

• Ndondomeko ya Medigap
• Ndondomeko ya Medigap
• Medicare Gawo A
• Medicare Gawo B
• Gawo B loyamba
• Medicare Gawo C
• Dongosolo lowonjezera la Medicare

Mutha kuyerekezera zosankha poyang'ana Mankhwala kapena kuyimba 1-800-MEDICARE. Mutha kunena wothandizirana nthawi iliyonse kuti mulankhule ndi woimira. Kapena, ngati simukudziwa choti muchite, pakhoza kukhala gulu lodzipereka , monga Zombo , mdera lanu omwe amathandizira okalamba kulembetsa dongosolo labwino kwambiri la Medicare.

Kodi kulembetsa kwa Medicare ndikofanana ndi kulembetsa kwa ACA?

Msika wa mapulani a Care Act omwe angakwanitse kukhala ndi nthawi yolembetsa. Ndondomeko zaumoyozi zimapangidwira anthu omwe ali ndi under- kapena osalimbikitsidwa, ndipo nthawi zambiri si a anthu omwe ali oyenera kulandira Medicare.

Kodi mungatani ngati mwaphonya kulembetsa koyambirira kapena kotseguka?

Ngati simunalembetse ku Medicare panthawi yomwe munayamba kulembetsa ndipo simukuyenera kulembetsa, mutha kulembetsa nthawi yolembetsa kuyambira Januware 1 mpaka Marichi 31 chaka chilichonse, ngakhale mutha kulipira chindapusa kapena ndalama zowonjezera chifukwa cholembetsa mochedwa.

Kuyambira mu 2019, mutha kusinthanso kuchokera ku Medicare Advantage kupita ku Original Medicare kapena kusinthana ndi njira ina ya Medicare Advantage panthawiyi.