Florida Medicare Zvirongwa muna 2021

Zvemukati

• Kunzwisisa yako Medicare kufukidza sarudzo
• Chii chinonzi Medicare Kubatsira?
• Ndeapi maMedare Ekubatsira zvirongwa zviripo muFlorida?
• Ndiani anokodzera zvirongwa zveMedare muFlorida?
• Ndinganyore rini?
• Matipi ekunyoresa muMedare
• Zvishandiso
• Matanho anotevera

Kana iwe uri kutengesa kufukidzwa kweMedare muFlorida, iwe une zvakawanda zvekufunga kana uchisarudza chirongwa.

Medicare chirongwa chehutano chinopihwa kuburikidza nehurumende yemubatanidzwa kuvanhu vane makore makumi matanhatu nemashanu zvichikwira pamwe nevanhu vakaremara. Iwe unogona kuwana kufukidzwa zvakananga kubva kuhurumende kana kuburikidza nekambani yeinishuwarenzi yakazvimirira.

Kunzwisisa yako Medicare kufukidza sarudzo

Medicare inopfuura chirongwa chimwe chete. Kune akasiyana marongero uye zvikamu zvinovhara zvinhu zvakasiyana.

Chekutanga Medicare inotarisirwa nehurumende yemubatanidzwa. Inosanganisira zvikamu zviviri zvikuru, Chikamu A uye Chikamu B.

Chikamu A chinofukidza mabasa epachipatara. Izvi zvinosanganisira kurapwa kwevanorapwa mukati mechipatara kana nzvimbo yevanamukoti vane hunyanzvi, pamwe nehumwe hutano hwemba. Iwe ungangodaro usingade kubhadhara mari yechikamu cheA chikamu kana iwe kana mumwe wako akabhadhara muMedare kuburikidza nemutero wemubhadharo mukati memakore ako ekushanda. Izvi zvinoshanda kune vanhu vazhinji vane nhoroondo yebasa.

Chikamu B chinobhadhara mari zhinji yekurapa, senge sevhisi iwe yaunogamuchira kuhofisi yechiremba, kurapwa kwevarwere, zvekurapa, uye kuchengetedza kwekudzivirira. Iwe unowanzo bhadhara mubhadharo weChikamu B kufukidzwa.

Zvichienderana nezvido zvako zvehutano, yekutanga Medicare inogona kusapa zvakakwana kufukidzwa. Izvo hazvisanganise kufukidza kwemishonga yekunyorera, semuenzaniso. Uye kunze-kwe-muhomwe kudhura senge macopayments, coinsurance, uye zvakabviswa zvinowedzera kumusoro, izvo zvinogona kudhura kana iwe ukashandisa hutano zvakanyanya.

Kune dzimwewo sarudzo dzekuwedzera kufukidza kune yako Medicare chirongwa, icho chaunogona kutenga kubva kune yakazvimiririra inishuwarenzi kambani:

• Medicare yekuwedzera zvirongwa, dzimwe nguva zvinonzi zvirongwa zveMedigap, kubatsira kubhadhara mari iyo yekutanga Medicare isingavhare.
• Chikamu D zvirongwa zvinowedzera kufukidza kwemishonga yekunyorera.

Neimwe nzira, iwe zvakare une sarudzo yeiyo yakazara yakazara chirongwa inozivikanwa seMedicare Advantage chirongwa.

Chii chinonzi Medicare Kubatsira?

Medicare Kubatsira (Chikamu C) zvirongwa zvirongwa zvinopihwa kuburikidza nemakambani einishuwarenzi akazvimiririra uye inotsiviwa izere neMedicare yepakutanga. Aya marongero anovhara ese akafanana mabhenefiti ezvikamu A neB, uyezve mamwe.

Medicare Advantage zvirongwa zvinowanzo sanganisira kufukidzwa kwemishonga inonyorerwa, chiratidzo uye kutarisirwa kwemazino, manejimendi ehutano uye zvirongwa zvehutano, pamwe nezvimwe zvekuwedzera.

Ndeapi maMedare Ekubatsira zvirongwa zviripo muFlorida?

Vanoverengeka vevatakuri veinishuwarenzi vari kupa Medicare Advantage zvirongwa muFlorida muna 2021. Ivo vanosanganisira anotevera makambani:

• Aetna Medicare
• Allwell
• Ascension Yakazara
• AvMed Medicare
• Hutano Hwakajeka
• CarePlus Hutano Zvirongwa, Inc.
• Cigna
• Kuzvipira Utano
• Vanachiremba HealthCare Zvirongwa, Inc.
• Florida Bhuruu
• Rusununguko Hutano, Inc.
• HutanoSun Hutano Zvirongwa, Inc.
• Humana
• Lasso Utano
• MMM yeFlorida, Inc.
• Optimum HealthCare, Inc.
• Prominence Hutano Chirongwa
• Oscar
• Simply Hutano Hwokuronga, Inc.
• Solis Hutano Zvirongwa
• UnitedHealthcare
• WellCare

Aya makambani anopa zvirongwa mumatare mazhinji muFlorida. Nekudaro, Medicare Advantage chirongwa chinopihwa chinosiyana nedunhu, saka pinda yako chaiyo ZIP kodhi kana uchitsvaga zvirongwa kwaunogara.

Ndiani anokodzera zvirongwa zveMedare muFlorida?

Medicare kufukidza inowanikwa kune vanhu avo:

• vane makore makumi matanhatu nemashanu kana kupfuura
• vari pasi pemakore makumi matanhatu nemashanu uye vane hurema
• ane zera ripi uye ane magumo echirwere chetsvo (ESRD) kana amyotrophic lateral sclerosis (ALS)

Ndinganyore rini?

Kune vanhu vazhinji, yako yekutanga Medicare Florida kunyoresa nguva inotanga mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu uye inogara kwemwedzi mitatu mushure mekusvitsa makore makumi matanhatu nemashanu.

Kana iwe ukasarudza kusanyoresa panguva yako yekutanga kunyoresa nguva, iwe uchave nemukana zvakare panguva yakavhurika yekunyora nguva, iyo inomhanya kubva muna Ndira 1 kusvika Kurume 31 gore rega.

Kana iwe kana mumwe wako muchienderera mberi muchishanda, mungasarudza kusanyoresa muMedicare kufukidzwa kwekurapa (Chikamu B) izvozvi. Mune zviitiko izvi, iwe unogona kuve unokodzera iyo yakakosha kunyoresa nguva yekusarudza mukati gare gare.

Asi ramba uchifunga, haufanire kugara wakanyoreswa muchirongwa chehutano cheboka rako. Unogona kuona kuti Medicare inopa zvirinani kufukidza kwemari shoma kunyangwe iwe uchiramba uchishanda izere-nguva.

Matipi ekunyoresa muMedare

Chirongwa cheMedicare chakanakira iwe chinoenderana nezvinhu zvinoverengeka zvinogona kusiyana zvichienderana nezvaunoda kana mamiriro. Funga zvinotevera kana uchisarudza chirongwa:

• Enzanisa hurongwa hwehurongwa. Kana iwe uri kusarudza chirongwa cheMedicare Chakanakira, ziva kuti izvi zvirongwa zvinouya nenzira dzakasiyana siyana dzekugadzira. Izvo zvakakosha kuti unzwisise mashandiro echirongwa uye kuti zvingakanganisa sei kutarisira kwako. Iwe unofarira here kuva nechengeti wekutanga chiremba anotarisira kutarisira kwako (HMO)? Kana iwe ungadai uchida kuona chero nyanzvi mune network pasina kuwana kutumira (PPO)?
• Funga nezvezvinodhura. Yakawanda sei maprimiyamu, macopayments, anodonhedzwa, kana zvimwe zvinodhura? Kana iwe uchikodzera kufukidzwa kuburikidza newaunoshandira, iwo madhiri aya anoenzaniswa sei nesarudzo yako yazvino yeboka yekuvhara?
• Tarisa wongororo. Ona zviri kutaurwa nevamwe vatengi nezvehurongwa hwavo. Maitiro ekudaidzira anoshanda mushe? Basa revatengi rine hushamwari uye rinoshanda here? Verenga wongororo pamhepo kana kubvunza kutenderedza kana iwe uchiziva vamwe vanhu vakanyoreswa muMedare Advantage zvirongwa.
• Wongorora mupiro network. Kana iwe uine chiremba chaunoda, tsvaga chirongwa chinosanganisira ivo mune iyo Medicare Florida network. Mamwe marongero anogona kuve nenzvimbo dzakaganhurirwa dzekufukidza dzisina kuenzana nenzvimbo. Iyo nguva yekuziva iri usati wanyoresa.
• Tenga zvigadzirwa zvinokodzera iwe. Medicare Advantage zvirongwa zvinowanzo sanganisira yakawanda yekuwedzera - mitengo nezvirongwa zvinogona kukubatsira kuti ugare uine hutano uye uchibudirira. Tsvaga izvo zvinoenderana nemararamiro ako uye zvichakubatsira iwe.

Zvishandiso

Kuti udzidze zvakawanda nezvehurongwa hweMedicare muFlorida, tarisa izvi zviwanikwa.

• SHINE (Kushumira Inishuwarenzi Yehutano Inodiwa nevakuru), chirongwa chemahara chinopihwa neFlorida Dhipatimendi reVakuru uye yako yemunharaunda Area Agency pane Kukwegura.
• Nyika yeFlorida Medicare & Medicaid

Matanho anotevera

Wakagadzirira kutora matanho anotevera mukunyora muchirongwa cheMedare muFlorida? Ungangoda kufunga nezvezviito izvi:

• Bata neMedicare Florida inishuwarenzi mumiriri anogona kukubatsira kuti unzwisise sarudzo dzako dzeMedare uye kukutorera makotesheni kubva kuzvirongwa zvakasiyana zvekukubatsira kuenzanisa.
• Tarisa kumusoro kuronga ruzivo pamhepo kuburikidza neinzvimbo inishuwarenzi vanotakura.
• Zadza online Medicare application kuburikidza neSocial Security Administration. Iwe unogona kuzadza fomu mune zvishoma semaminitsi gumi uye haufanire kuendesa zvinyorwa ipapo ipapo.

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.