Delaware Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Zvazvinofukidza
• Medicare inodhura
• Ndeapi marongedzero eMedicare anowanikwa muDelaware?
• Hutano Kuchengetedza Sangano (HMO)
• Anosarudzika Provider Sangano (PPO)
• Nhoroondo yekuchengetedza zvekurapa (MSA)
• Yakavanzika Mari-yeBasa (PFFS)
• Yakakosha Zvidimbu Chirongwa (SNP)
• Zvirongwa zviripo muDelaware
• Ndiani anokodzera Medicare muDelaware?
• Ndirini pandinganyorese muzvirongwa zveMedicare Delaware?
• Kunyoresa kwechiitiko
• Kunyoresa kwegore negore
• Matipi ekunyoresa muMedare muDelaware
• Delaware Medicare zviwanikwa
• Delaware Medicare Rubatsiro Bureau (800-336-9500)
• Medicare.gov (800-633-4227)
• Chii chandinofanira kuita zvinotevera?

Medicare inishuwarenzi yehutano inochengetwa nehurumende iwe yaunogona kuwana kana uchinge wasvitsa makore makumi matanhatu nemashanu. Medicare muDelaware inowanikwawo kune vanhu vari pasi pemakore makumi matanhatu nematanhatu vanosangana nezvimwe zvinodiwa.

Chii chinonzi Medicare?

Medicare inosanganisira zvikamu zvina zvakakosha:

• Chikamu A: kuchengetwa muchipatara
• Chikamu B: kurapwa kwekunze
• Chikamu C: Medicare Kubatsira
• Chikamu D: mishonga yemishonga

Zvazvinofukidza

Chikamu chimwe nechimwe cheMedare chinofukidza zvinhu zvakasiyana:

• Chikamu A chinofukidza kuchengetwa kwaunogashira semunhu anorwara muchipatara uye kunosanganisira kuchengetwa kwevanochengeta varwere, kuchengetedzwa kushoma kwenzvimbo yekutarisira vane hunyanzvi kwenguva pfupi (SNF), uye mamwe masevhisi epamba-epamba.
• Chikamu B chinovhara kuchengetwa kwevarwere vekunze, sekushanya kwachiremba, kuchengetedzwa kwekudzivirira, uye mimwe michina yekurapa yakasimba.
• Chikamu C chinobatanidza kufukidzwa kwako kweChikamu A uye Chikamu B muchirongwa chimwe chete chingasanganisira zvimwe zvinobatsira, zvakadai sekuvhara mazino kana kuona. Aya marongero anowanzo sanganisira kunyorerwa zvinodhaka zvinodhaka zvakare.
• Chikamu D chinofukidza zvimwe kana zvese zvako zvekunyorerwa zvinodhaka kunze kwechipatara (mishonga yaunowana panguva yekugara muchipatara yakafukidzwa pasi peChikamu A).

Pamusoro pezvikamu zvina zvikuru, kune zvakare Medicare yekuwedzera inishuwarenzi zvirongwa. Kazhinji inonzi Medigap, aya marongero anovhara kunze-kwe-muhomwe mari senge macopay uye coinsurance izvo zvekutanga zvirongwa zveMedare hazviite uye zvinowanikwa kuburikidza nevoga inishuwarenzi vanotakura.

Iwe haugone kutenga ese maviri Chikamu C uye Medigap. Iwe unofanirwa kusarudza mhando imwe kana imwe.

Medicare inodhura

Zvirongwa zveMedicare muDelaware zvine zvimwe mari zvaunobhadharira kufukidza nekutarisirwa.

Chikamu A inowanikwa pasina mubhadharo wemwedzi chero bedzi iwe kana mumwe wako akashanda kwemakore gumi kana anopfuura mubasa uye akabhadhara mitero yeMedare. Iwe unogona zvakare kutenga kufukidza kana iwe ukasasangana nezvinodiwa zvekukodzera.Zvimwe zvinodhura zvinosanganisira:

• inodonhedzwa pese paunogamuchirwa kuchipatara
• mari yekuwedzera kana chipatara chako kana SNF inogara kwenguva yakareba kupfuura yakatarwa mazuva

Chikamu B ine fizi dzinoverengeka uye mutengo, kusanganisira:

• purogiramu yemwedzi
• inobviswa pagore
• copays uye makumi maviri muzana coinsurance mushure mekunge wabvisirwa mari yako

Chikamu C zvirongwa zvinogona kuve nemubhadharo wekuwedzera mabhenefiti anowanikwa kuburikidza nechirongwa. Iwe zvakare uchiri kubhadhara iyo Chikamu B premium.

Chikamu D kuronga mari kunosiyana zvichienderana nekuvhara.

Medigap kuronga mari kunosiyana zvichienderana nezano raunosarudza.

Ndeapi marongedzero eMedicare anowanikwa muDelaware?

Zvirongwa zveMedare zvinobatsira zvinotenderwa neCentre yeMedicare neMedicaid Services (CMS) uye zvinowanikwa kuburikidza nemakambani einishuwarenzi akazvimirira. Zvakanakira zvinosanganisira:

• ako ese mabhenefiti kubva kune yega yega chikamu cheMedicare chakafukidzwa pasi pechimwe chirongwa
• mamwe mabhenefiti ayo ekutanga Medicare asinga sanganise, akadai mazino, chiono, kunzwa, kutakura kuenda kunzvimbo dzekurapa, kana kuendesa kumba chikafu
• kunze-kwe-muhomwe ma maximums e $ 7,550 (kana pasi)

Kune mashanu marudzi eMedhi Advantage zvirongwa muDelaware. Ngatitarisei pamhando yega yega inotevera.

Hutano Kuchengetedza Sangano (HMO)

• Unosarudza wekutanga wekuchengeta (PCP) uyo anotungamira kutarisirwa kwako.
• Iwe unofanirwa kushandisa vanopa uye zvivakwa mukati meiyo HMO network.
• Kazhinji unoda kuendeswa kubva kune wekutanga wekuchengeta (PCP) kuti uone nyanzvi.
• Kuchengeta kunze kwenetiweki hakuwanzo kuvharwa kunze kwekukurumidzira.

Anosarudzika Provider Sangano (PPO)

• Kuchengetedza kubva kuvanachiremba kana zvivakwa mukati meiyo chirongwa chePPO network yakafukidzwa.
• Kuchengeta kunze kwenetwork kunogona kudhura, kana kusakwanisa kuvharwa.
• Iwe haudi kuendeswa kuti uone nyanzvi.

Nhoroondo yekuchengetedza zvekurapa (MSA)

• Aya marongero anosanganisa chirongwa chepamusoro chinobviswa chehutano uye account yekuchengetedza.
• Medicare inopa imwe mwero wemari gore rega rega kubhadhara mari (unogona kuwedzera zvimwe).
• MSAs inogona chete kushandiswa kune anokwanisa marapirwo emari.
• Kuchengetwa kweMSA hakuna mutero (kune anokwanisa mari yekurapa) uye unowana mubhadharo wemutero.

Yakavanzika Mari-yeBasa (PFFS)

• PFFS zvirongwa zvisina network yevanachiremba kana zvipatara; unogona kusarudza kuenda chero kupi kunogamuchira chirongwa chako.
• Vanotaurirana zvakananga nevanopa uye vanoona kuti une chikwereti chakadii chebasa.
• Havasi vese vanachiremba kana zvivakwa zvinogamuchira izvi zvirongwa.

Yakakosha Zvidimbu Chirongwa (SNP)

• SNPs dzakagadzirirwa vanhu vanoda kutarisirwa kwakarongeka uye vanosangana nezvimwe hunhu.
• Iwe unofanirwa kuve wakasarudzika-unokodzera Medicare neMedicaid, uine imwe kana kupfuura mamiriro ehutano husingaperi, uye / kana kugara mumusha unochengeterwa vakwegura.

Zvirongwa zviripo muDelaware

Aya makambani anopa zvirongwa mumatare mazhinji muDelaware:

• Aetna Medicare
• Cigna
• Humana
• Lasso Utano
• UnitedHealthcare

Medicare Inobatsira chirongwa chinopihwa chinosiyana nedunhu, saka pinda yako chaiyo ZIP kodhi kana uchitsvaga zvirongwa kwaunogara.

Ndiani anokodzera Medicare muDelaware?

Kuti uve unofanirwa neMedare, unofanirwa kuve:

• Makore makumi matanhatu nemashanu kana kupfuura
• mugari weU.S. kana mugari zviri pamutemo kwemakore mashanu kana kudarika

Kana iwe uri mudiki pane zera makumi matanhatu nemashanu, unogona kuwana zvirongwa zveMedicare muDelaware kana iwe:

• kuve neitsvo kuisazve kana kupera chikamu renal chirwere (ESRD)
• ndine amyotrophic lateral sclerosis (ALS)
• vanga vachigamuchira Social Security kana Railroad Retirement Board mabhenefiti kwemwedzi makumi maviri nemana

Unogona kushandisa chishandiso cheMedicare kuti uone kana uchikodzera.

Ndirini pandinganyorese muzvirongwa zveMedicare Delaware?

Kuti ugamuchire Medicare kana Medicare Advantage unofanirwa kunyoresa panguva chaiyo.

Kunyoresa kwechiitiko

• Yekutanga kunyoresa nguva (IEP) iwindo remwedzi minomwe kutenderedza 65th yako yekuzvarwa, kutanga mwedzi mitatu pamberi uye kuenderera kwemwedzi mitatu mushure mekuzvarwa kwako. Kana iwe ukasaina usati wasvitsa makore makumi matanhatu nemashanu ekuberekwa, kufukidzwa kwako kunotanga mumwedzi wako wekuzvarwa. Kunyoresa mushure menguva ino kunoreva kunonoka mukuvhara.
• Nguva dzakakosha dzekunyora (SEPs) inguva dzakatarwa apo iwe paunogona kusaina kunze kwekunyoresa kuvhurika kana iwe ukarasikirwa nekuvhara nekuda kwezvikonzero zvakasiyana, kusanganisira kurasikirwa nechirongwa-chinotsigirwa chirongwa kana kufambira kunze kwenzvimbo yako yekuvhara nzvimbo.

Kunyoresa kwegore negore

• Kunyoresa kwakawanda(Ndira 1 kusvika Kurume 31): Kana iwe usina kunyorera Medicare panguva yako IEP, unogona kunyoresa muChikamu A, Chikamu B, Chikamu C, uye Chikamu D zvirongwa. Iwe unogona kubhadhara chirango chekusaina kunonoka.
• Medicare Kubatsira kuvhura kunyoresa (Ndira 1 kusvika Kurume 31): Unogona kuchinjira kuchirongwa chitsva kana iwe watove paMedare Kubatsira kana iwe unogona kuenderera neyekutanga Medicare.
• Vhura kunyoresa(Gumiguru 15 kusvika Zvita 7): Unogona kuchinja pakati pekutanga Medicare uye Medicare Advantage, kana kusainira Chikamu D kana usina kunyoresa panguva yako yeIEP.

Matipi ekunyoresa muMedare muDelaware

Kusarudza chirongwa chakakodzera kunoenderana nezvinotevera zvinhu:

• yako yehutano inoda
• zvakafungidzirwa mari
• madhokotera api (kana zvipatara) aunoda kuona kuti atarisirwe

Delaware Medicare zviwanikwa

Unogona kuwana mhinduro kumibvunzo yako yeMedicare Delaware kubva kumasangano aya:

Delaware Medicare Rubatsiro Bureau (800-336-9500)

• iyo State Health Insurance Assistance Chirongwa (SHIP), yaimbozivikanwa se ELDERinfo
• kurairwa pachena kune vanhu vane Medicare
• nzvimbo dzekupa mazano dzemunharaunda muDelaware yese (fona 302-674-7364 kuti uwane yako)
• rubatsiro rwemari kubatsira kubhadhara Medicare

Medicare.gov (800-633-4227)

• inoshanda senzvimbo yepamutemo yeMedicare
• yakadzidzisa vashandi pakufona kuti vabatsire kupindura yako Medicare mibvunzo
• ine chirongwa chekutsvaga chekubatsira iwe kuti uwane inowanika Medicare Kubatsira, Chikamu D, uye zvirongwa zveMedigap munzvimbo yako

Chii chandinofanira kuita zvinotevera?

Heano matanho ako anotevera ekutsvaga yakanakisa Medicare kufukidza kuzadzisa zvaunoda:

• Sarudza kana iwe uchida yekutanga Medicare kana Medicare Kubatsira.
• Sarudza Medicare Advantage kana Medigap mutemo, kana zvichibvira.
• Ziva yako yekunyoresa nguva uye nguva dzakatarwa.
• Unganidza zvinyorwa senge rondedzero yemishonga yekunwa yaunotora uye chero mamiriro ehutano aunawo.
• Kumbira chiremba wako kana vachibvuma Medicare, uye ndeipi Medicare Advantage network yavari.

Ichi chinyorwa chakagadziridzwa munaNovember 10, 2020, kuratidza 2021 Medicare ruzivo.

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.