Colorado Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Chikamu D zvirongwa
• Medicare Kubatsira zvirongwa
• Ndeapi maMedare Ekubatsira zvirongwa zviripo muColorado?
• Ndiani anokodzera zvirongwa zveMedicare Advantage muColorado?
• Ndirini pandinganyorese muchirongwa cheMedare Rekubatsira muColorado?
• Matipi ekunyoresa muMedare muColorado
• Colorado Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Uri kutengesa chirongwa cheMedarere muColorado? Kune akasiyana marongero anowanikwa kutenderana nezvose zvinodiwa.Tsvagurudza zvaunogona kusarudza usati wasarudza zano, uye tsvaga zvese zvaunoda kuti uzive nezve zvirongwa zveMedare muColorado.

Chii chinonzi Medicare?

Yekutanga Medicare (Chikamu A uye Chikamu B) inovhara chipatara uye zvakajairwa kurapwa. Kana iwe uine zera makumi matanhatu nemashanu kana kupfuura, iyi yehurumende-inobhadharwa mari yeinishuwarenzi chirongwa ichabatsira kuvhara yako ehutano mitengo Iwe unogona zvakare kukodzera Medicare kana iwe uri pasi pemakumi matanhatu nemashanu uye uine hurema kana chirwere chisingaperi.

Kuvhara pasi peMedicare yepakutanga kunosanganisira:

• kugara muchipatara
• kutarisira varwere
• kusarudzwa kwechiremba
• majekiseni uye chengetedzo
• amburenzi mabasa

Chikamu D zvirongwa

Medicare Chikamu D inovhara zvawanyora uye mishonga. Unogona kunyoresa muchikamu cheDhipatimendi D pamwe nezvikamu A uye B kuti uwedzere kufukidzwa uku.

Medicare Kubatsira zvirongwa

Medicare Kubatsira (Chikamu C) inopa kufukidzwa kwakazara kuburikidza nemakambani einishuwarenzi ehutano.

A Medicare Advantage chirongwa chinofukidza zvese zvakakosha senge chipatara uye zvekurapa mutengo, uye zvirongwa zvakawanda zvakare zvinopa kunyorerwa kwemishonga kunyorera. Iwe unogona kuwana yakawedzerwa kufukidzwa kwechiono, mazino, kunzwa, zvirongwa zvehutano, kana kunyange kutakurwa kuenda kunzvimbo dzekurapa.

Medicare Advantage kuronga maprimiyamu kazhinji kazhinji kupfuura izvo iwe zvaungabhadharira yekutanga Medicare, asi zvinoenderana nezvinodiwa nehutano hwako, izvi zvirongwa zvinogona kukubatsira iwe kuchengetedza kunze-kwehomwe mari mukufamba kwenguva.

Ndeapi maMedare Ekubatsira zvirongwa zviripo muColorado?

Dunhu rega rega muColorado rine rakasarudzika Medicare Advantage kuronga sarudzo, nemitengo yakasiyana, sarudzo dzekuvhara, uye vanopa network. Vatakuri vanotevera vanopa huwandu hweAdvanced Plans kuvagari veColorado.

• Aetna Medicare
• Nhetembo Bhuruu Muchinjikwa uye Bhuruu Shield
• Hutano Hwakajeka
• Cigna
• Bvisa Chitubu Hutano
• Denver Hutano Kurapa Chirongwa, Inc.
• Chishanu Hutano Zvirongwa
• Humana
• Kaiser Permanente
• UnitedHealthcare

Vatakuri vanosiyana nedunhu, saka ita shuwa kuti unosarudza chirongwa chinowanikwa munzvimbo yako.

Ndiani anokodzera zvirongwa zveMedicare Advantage muColorado?

Kuti uwane Medicare Advantage kukodzera, iwe unofanirwa kuve uine makore makumi matanhatu nemashanu kana kupfuura uye unosangana nezvinotevera zvinotevera:

• kunyoreswa mune yekutanga Medicare, ingave Chikamu A kana B (kana iwe ukaunganidza Railroad Retirement Board kana Social Security mabhenefiti, iwe unozongonyoreswa woga mune yekutanga Medicare)
• uve mugari weU.S. kana mugari wechigarire
• wakabhadhara Medicare mutero wemubhadharo uchiri kushanda kweanopfuura makore gumi

Iwe unogona zvakare kukodzera kana uri pasi pemakore makumi matanhatu nemashanu uye uine hurema kana chirwere chisingaperi senge kumagumo renal chirwere (ESRD) kana amyotrophic lateral sclerosis (ALS).

Ndirini pandinganyorese muchirongwa cheMedare Rekubatsira muColorado?

Pane akati wandei apo iwe paunogona kunyoresa muchirongwa cheMedicare Advantage muColorado.

Iwe unozogona kunyorera panguva yako yekutanga kunyoresa nguva (IEP) kutanga 3 mwedzi pamberi pako 65th mwedzi wekuzvarwa uye kupera 3 mwedzi mushure memwedzi wako wekuzvarwa mwedzi.

Iwe unogona zvakare kukodzera iyo yakakosha kunyoresa nguva kana iwe usati uchiri inishuwarenzi kubasa kana uine hurema.

Mushure meIEP, unogona kunyoresa chirongwa cheMedicare Advantage kana kushandura pakati pevanopa panguva yeMedicare Advantage yakavhurika kunyoresa nguva kubva muna Ndira 1 kusvika Kurume 31. Unogona zvakare kunyoresa muchirongwa kana kushandura kufukidza kwako panguva yeMedicare yekunyoresa gore kubva muna Gumiguru. kusvika Zvita 7.

Usati wanyoresa muchirongwa cheMedicare Advantage, iwe unotanga kutanga wanyoresa muMedicare yekutanga.

Matipi ekunyoresa muMedare muColorado

Usati wanyoresa chirongwa cheMedare, funga zvakadzama nezve rudzii rwekuvhara kwaunoda.

Paunenge uchitenga chirongwa chakakodzera kwauri, verenga ongororo dzevanoverengeka vanotakura, uye ongorora mutengo. Enzanisa zvirongwa nekutarisa zvakabviswa, kufukidzwa kwezvinodhaka kana macopay, uye chirongwa chekutanga.

Zvibvunze mibvunzo iyi:

• Mari yangu yemaprimiyamu yakawanda zvakadii, mari dzinobvisirwa mari, uye imwe mari yekuchengetwa kwehutano, uye ndinazvo here zvandinoda?
• Ndiri kufara here nachiremba wangu wazvino, kana ndingadai ndakagadzirira kuchinjira kunetiweki chiremba? Sechikamu chekutsvaga kwako, fonera hofisi yechiremba wako kuti ubvunze zvirongwa zvavanogamuchira. Tsvaga zano rinozovhara zvakagadzwa nachiremba wako kana kutsvaga chiremba wemambure.
• Marii yandinobhadhara muhomwe pagore mumushonga wekunyora? Kana iwe ukatora mishonga yenguva dzose, chirongwa chemishonga chinorayirwa kana chirongwa cheAdvantage chinogona kukuchengetedza mari.
• Pane here chemishonga iri nani padyo? Kuchinja khemisi yako kunogona kubatsira kudzikisa mutengo wemishonga. Iyo pharmacy iri pakona iri nyore, asi chemishonga kudarika dhorobha inogona kukupa zvirinani kufukidza, uye ichikuchengetera iwe mari pane zvaunonyorwa mwedzi wega.

Iwe unogona zvakare kutarisa kunaka kwechirongwa uchishandisa iyo CMS nyeredzi ratings system. Iyi nyeredzi-shanu ratidziro inoenderana nebasa rehurongwa gore rapfuura, uye chiyero chepamusoro zvinoreva kuti chirongwa ichi chiri kupa kufukidzwa kukuru. Kusarudza chirongwa chine 4- kana 5star ratidziro ichave nechokwadi chekuti iwe uchawana kufukidzwa iwe kwaunoda, uye kuwana nyore nyore ese ehutano masevhisi aunoda.

Colorado Medicare zviwanikwa

Kuti uwane rumwe ruzivo nezve epakutanga Medicare uye Medicare Advantage zvirongwa muColorado, tsvaga rubatsiro. Unogona kuwana rumwe ruzivo nekubata:

• Hurumende Hutano Inishuwarenzi Yekubatsira Chirongwa (SHIP): 888-696-7213. Taura nemupi wezano weSHIP, tora rumwe ruzivo nezveMedare, gamuchira rubatsiro rwekunyoresa, uye uone kana uchikwanisa kuwana Zvirongwa zveRubatsiro rweMitero yakaderera kubhadhara mari dzeMedare muColorado.
• Colorado Dhipatimendi reMitemo Inodzora: 888-696-7213. Tsvaga SHIP Nzvimbo, dzidza nezve kunyoreswa kwemishonga, tsvaga maMessage, uye uwane vakuru veMedare patrol.
• Old Age Pension Hutano uye Kurapa Kuchengeta Chirongwa (OAP). Wana rubatsiro kana iwe uchigamuchira Old Age Pension asi usingakwanise kune Hutano wekutanga Colorado. Nhamba dzekuonana dzinosiyana nedunhu.
• Kunyorerwa zvinodhaka zvinodhaka zviwanikwa. Tsvaga ruzivo rwekuti ungatenga sei yakaderera-mutengo mushonga mushonga, uye dzidza zvakawanda nezve zvirongwa zvekubatsira varwere.
• Medicare: 800-633-4227. Wana rumwe ruzivo nezvehurongwa hweMedare, kufukidza, uye vatakuri muColorado.
• Railroad Retirement Bhodhi: 877-772-5772. Kana iwe uchikodzera kuwana mabhenefiti kubva kuRailroad Retirement Board, tsvaga ruzivo rwese rwaunoda nekutaurirana navo zvakananga.

Chii chandinofanira kuita zvinotevera?

Ongorora yako inishuwarenzi yehutano muna 2021, uye uwane iyo Medicare Advantage chirongwa chinoshanda kwauri.

• Sarudza mhando yeMedicare Advantage chirongwa chaunoda, uye sarudza yako bhajeti.
• Enzanisa Advantage Plans muColorado, tarisa iyo CMS nyeredzi ratings, uye ita shuwa kuti zvirongwa iwe zvauri kutarisa zvinowanikwa munzvimbo yako.
• Paunenge iwe wawana chirongwa chakakodzera, shanyira webhusaiti yeanotakura kuti uwane rumwe ruzivo, zadza fomu rekunyora mapepa, kana kufonera anotakura kuti atange maitiro ekunyorera parunhare.

Kunyangwe iwe uchisarudza yekutanga Medicare kufukidza kana chirongwa cheMedare Kubatsira, ita shuwa kuti unonyatsoongorora zvaunogona, uye gadzirira hutano hwakanaka 2021.

Ichi chinyorwa chakagadziriswa muna Gumiguru 6, 2020 kuratidza 2021 ruzivo rweMedare.

Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.