Illinois Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Ndeapi maMedare Ekubatsira zvirongwa zviripo muIllinois?
• Ndiani anokodzera Medicare muIllinois?
• Ndingaite rini kunyoresa muMedare Illinois zvirongwa?
• Matipi ekunyoresa muMedare muIllinois
• Illinois Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Medicare chirongwa cheinishuwarenzi chehutano chehutano chinobatsira vanhu vane makore makumi matanhatu nemashanu nekure kubhadharira kurapwa kwakakodzera. Iwe unogona zvakare kuve unokodzera kana iwe uri mudiki pane zera makumi matanhatu nemashanu uye uchigara uine humwe hurema. MuIllinois, vangangoita mamirioni 2.2 vanhu vakanyoreswa muMedare.

Chinyorwa ichi chichatsanangura sarudzo yeMedicare muIllinois muna2021, kusanganisira zvirongwa zveMedare zvinobatsira uye zvekufunga nezvako paunenge uchitsvaga kufukidza.

Chii chinonzi Medicare?

Paunosaina Medicare muIllinois, unogona kusarudza yekutanga Medicare kana chirongwa cheMedicare Advantage.

Chekutanga Medicare, dzimwe nguva inonzi yechinyakare Medicare, inoitiswa nehurumende. Inosanganisira Chikamu A (inishuwarenzi yechipatara) uye Chikamu B (inishuwarenzi yekurapa).

Chikamu A chinofukidza kugara kwechipatara uye kumwe kurapwa kwevanorwara, nepo Chikamu B chichifukidza mabasa mazhinji ekurapwa, kusanganisira kushanya kwavanachiremba uye mabasa ekudzivirira.

Kana iwe ukanyoresa mune yekutanga Medicare, unogona kusarudza kusaina kune mamwe marudzi ekuwedzera ekuvhara. Mitemo yeMedigap inovhara imwe yemitengo yehutano iyo Medicare yekutanga isingaite, senge ako macopayments uye madhiri. Kana iwe uchida kufukidzwa kwezvinodhaka, iwe unogona zvakare kusainira kune yakamira-yega chirongwa chemushonga, chinozivikanwa seChikamu D.

Medicare Kubatsira (Chikamu C) zvirongwa zvinokupa imwe nzira yekutora yako Medicare kufukidzwa. Aya marongero anopihwa nemakambani einishuwarenzi akazvimirira, uye anosanganisira ese maMedicare zvikamu A neB mabasa

Medicare Advantage zvirongwa muIllinois zvinogona kupa mamwe akawanda mabhenefiti ayo asina kuverengerwa mune yekutanga Medicare, senge:

• kunzwa, chiono, uye kutarisira mazino
• kunyorerwa zvinodhaka
• zvirongwa zvehutano
• over-the-counter zvinodhaka zvinodhaka

Ndeapi maMedare Ekubatsira zvirongwa zviripo muIllinois?

Mazhinji zvirongwa zveMedare zvinobatsira zvinowanikwa kune vagari veIllinois. Izvi zvinotevera inishuwarenzi vanotakura vanopa Medicare Advantage zvirongwa muIllinois:

• Aetna Medicare
• Ascension Yakazara
• Bhuruu Muchinjikwa uye Bhuruu Shield yeIllinois
• Hutano Hwakajeka
• Cigna
• Bvisa Chitubu Hutano
• Humana
• Lasso Utano
• ZvakawandaCare
• UnitedHealthcare
• WellCare
• Zing Hutano

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

Ndiani anokodzera Medicare muIllinois?

Mitemo yekukodzera yeMedicare inosiyana zvichienderana nezera rako. Kana iwe uri mudiki pane zera makumi matanhatu nemashanu, unogona kukodzera mune chero eaya mamiriro:

• wakamboonekwa uine end stage renal chirwere (ESRD) kana amyotrophic lateral sclerosis (ALS)
• wave paSocial Security Disability Insurance (SSDI) kwemakore maviri.

Kana iwe uri kusvitsa makore makumi matanhatu nemashanu ekuberekwa, unokodzera Medicare muIllinois mune chero eaya mamiriro.

• unogara muUnited States uye uri mugari weU.S. kana mugari wechigarire
• unenge watogashira Social Security pamudyandigere kana unokodzera iwo

Ndingaite rini kunyoresa muMedare Illinois zvirongwa?

Kana iwe uchikodzera Medicare, unogona kusaina pane dzimwe nguva mukati megore. Nguva idzi dzinosanganisira:

• Yekutanga kunyoresa nguva. Iyi mwedzi yemwedzi minomwe inowanikwa kune vanhu vanokodzera Medicare pavanosvitsa makore makumi matanhatu nemashanu. Inotanga mwedzi mitatu mwedzi usati wasvitsa makore makumi matanhatu nemashanu uye inopera mwedzi mitatu mushure memwedzi wako wekuzvarwa.
• Yegore yakavhurika kunyoresa nguva. Iyo yegore yakavhurika kunyoresa nguva inotangira kubva Gumiguru 15 kusvika Zvita 7. Kana iwe ukanyoresa kuchirongwa cheMedicare Advantage panguva ino, yako itsva yekuvhara ichatanga muna Ndira 1.
• Medicare Kubatsira yakavhurika kunyoresa nguva. Kubva muna Ndira 1 kusvika Kurume 31 gore rega rega, unogona kuchinjira kune rakasiyana chirongwa cheMedicare Advantage. Kana iwe ukaita shanduko, yako nyowani yekuvhara inotanga pazuva rekutanga remwedzi mushure meinishuwarenzi wawana chako chikumbiro.
• Yakakosha kunyoresa nguva. Kana iwe ukasangana nezvimwe zviitiko zvehupenyu, iwe unobvumidzwa kusaina kuMedare kunze kwenguva dzekunyoresa dzegore. Iwe unogona kuve neakakosha kunyoresa nguva kana iwe ukarasikirwa neako mushandirwi hutano kufukidzwa, semuenzaniso.

Mune mamwe mamiriro ezvinhu, unogona kunyoreswa Medicare otomatiki. Kana iwe uchikodzera Medicare nekuda kwekuremara, iwe unozonyoresa mushure mekutambira SSDI cheki kwemwedzi makumi maviri nemana. Kana iwe ukawana Railroad Retirement mabhenefiti kana Social Security pamudyandigere mabhenefiti, iwe unozonyoresa iwe paunosvitsa makore makumi matanhatu nemashanu ekuberekwa.

Matipi ekunyoresa muMedare muIllinois

Pane zvinhu zvakawanda zvekufunga nezvako iwe uchiongorora akawanda maMedare zvirongwa muIllinois. Kuti uwane chirongwa chinokodzera zvakanyanya zvaunoda, funga izvi zvinhu:

• Akavhara masevhisi. Medicare Advantage zvirongwa zvinogona kuvhara masevhisi ayo ekutanga Medicare asingaite, akadai mazino, kuona, kana kunzwa kwekunzwa. Vamwe vanotopa zvipo, senge nhengo dzekurovedza muviri. Tarisa zvirongwa zvinofukidza masevhisi aunoda kana aunoda.
• Mutengo. Mutengo weMedicare Advantage zvirongwa zvinosiyana. Kune mamwe marongero, iwe unogona kubhadhariswa chirongwa chemwedzi wega wega mukuwedzera kune iyo Medicare Chikamu B premium. Kopa, mari yemari, uye zvakabviswa zvinokanganisawo mari yako yekunze-muhomwe.
• Provider network. Kana iwe ukajoinha chirongwa cheMedicare Advantage, ungangoda kuwana rubatsiro kubva kuna vanachiremba nezvipatara munetiweki yako. Iwe ungangoda kubvunza vako varipo vezvehutano vatapi kana ivo vachitora chikamu muzvirongwa iwe zvauri kufunga.
• Nzvimbo yebasa. Chekutanga Medicare inopa kufukidza pasirese, nepo Medicare Advantage zvirongwa zvinoshandira nzvimbo dzakaganhurirwa. Kana iwe ukaronga kufamba, iwe ungasarudza chirongwa cheMedare chinopa mafambiro kana vashanyi mabhenefiti.
• Ratings. Gore rega rega, iyo Centers yeMedare & Medicaid Services (CMS) mitengo inoronga kubva kune imwe kusvika kune shanu nyeredzi. Aya nyeredzi ratings zvinoenderana nebasa revatengi, mhando yekutarisirwa, uye zvimwe zvinhu. Kuti utarise chiyero chepurani, enda kuCMS.gov uye utore pasi iyo Star Ratings Chokwadi Sheet.

Illinois Medicare zviwanikwa

Medicare chirongwa chakaomarara, asi pane zviwanikwa zvinogona kukubatsira kuti unzwisise zvaunogona kusarudza.

Kuti uwane rumwe ruzivo nezve Medicare muIllinois, unogona kubata Senior Health Insurance Program, iyo inopa mahara, one-on-one kuraira nezve Medicare uye nedzimwe sarudzo dzehutano inishuwarenzi.

Chii chandinofanira kuita zvinotevera?

Paunenge wagadzirira kutenga chirongwa cheMedare, izvi ndizvo zvaunogona kuita zvinotevera:

• Kuti usayine Medicare zvikamu A uye B, bata iyo Social Security Administration.Iwe unogona kufona 800-772-1213, shanyira hofisi yako yemunharaunda yeSocial Security, kana kushandisa Social Security's online Medicare application.
• Kana iwe uchifarira zvirongwa zveMedicare Advantage muIllinois, unogona kuenzanisa zvirongwa paMedicare.gov. Kana iwe ukaona zano raunoda, iwe unogona kunyoresa online.

Ichi chinyorwa chakagadziridzwa muna Gumiguru 2, 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.