Indiana Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Medicare Chikamu A
• Medicare Chikamu B
• Chikamu C (Medicare Kubatsira)
• Medicare Chikamu D
• Medicare yekuwedzera inishuwarenzi (Medigap)
• Ndeapi marongedzero eMedicare anowanikwa muIndiana?
• Ndiani anokodzera Medicare muIndiana?
• Ndirini pandinogona kunyoresa muMedicare Indiana zvirongwa?
• Yekutanga kunyoresa nguva
• Kunyoresa kwakawanda: Ndira 1 kusvika Kurume 31
• Medicare Kubatsira kuvhura kunyoresa: Ndira 1 kusvika Kurume 31
• Medicare yakavhurika kunyoresa: Gumiguru 1 kusvika Zvita 31
• Yakakosha kunyoresa nguva
• Matipi ekunyoresa muMedicare muIndiana
• Indiana Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Medicare chirongwa cheinishuwarenzi chehutano chehutano chinowanikwa kune vanhu vane makore makumi matanhatu nemashanu kana kupfuura, pamwe neavo vari pasi pemakore makumi matanhatu nemashanu vane hutano husingaperi kana hurema.

Chii chinonzi Medicare?

Medicare inoronga muIndiana ine zvikamu zvina:

• Chikamu A, chinova chipatara inpatient care
• Chikamu B, chinova chirwere chekunze
• Chikamu C, chinonziwo Medicare Advantage
• Chikamu D, chinova chinyoreso chemishonga chinodhaka

Paunosvitsa makore makumi matanhatu nemashanu ekuberekwa, iwe unogona kusaina yekutanga Medicare (Chikamu A uye Chikamu B).

Medicare Chikamu A

Vazhinji vanhu vanokodzera kuwana Chikamu A kufukidzwa pasina mubhadharo wemwedzi. Kana iwe usingakwanise, unogona kutenga kufukidzwa.

Chikamu A kufukidza chinosanganisira:

• kufukidza kana iwe uchigamuchirwa kuchipatara kwekuchengetwa kwenguva pfupi
• kuganhurirwa kufukidza kwenguva pfupi-yehunyanzvi hunyanzvi hwekuchengetedza nzvimbo
• mamwe masevhisi epamba-epamba epamba
• kurapa

Medicare Chikamu B

Chikamu B kufukidza kunosanganisira:

• kushanya kwavanachiremba
• kudzivirira kuongororwa uye kuongororwa
• imaging uye bvunzo dzemarabhoritari
• midziyo yezvokurapa yakasimba
• kurapwa kwekunze uye mabasa

Mushure mekusainira Medicare yekutanga, unogona kusarudza kana iwe uchida chirongwa cheMedicare Advantage (Chikamu C) kana chirongwa cheMedigap, pamwe nekunyorerwa kwemishonga.

Chikamu C (Medicare Kubatsira)

Yakasarudzika inishuwarenzi vanotakura vanopa Medicare Advantage zvirongwa muIndiana izvo zvinosunga mabhenefiti epakutanga Medicare neyekunyorerwa zvinodhaka kufukidzwa uye mamwe masevhisi, senge mazino kana kutarisirwa kwekuona. Kunyatso kufukidza kunosiyana nechirongwa uye anotakura.

Imwe bhenefiti yeAdvantage zvirongwa ndeyegore kunze-kwe-muhomwe mari yekushandisa. Kana ukangosvika pamuganhu wegore wakatarwa nehurongwa, chirongwa chako chinobhadhara iyo yasara yeMedicare-inogamuchirwa mari yekutarisirwa kwakavharwa kwegore.

Yekutanga Medicare, kune rumwe rutivi, haina muganho wegore. Nezvikamu A uye B, iwe unobhadhara

• inodonhedzwa pese paunogamuchirwa kuchipatara
• inobviswa pagore kwechikamu B
• chikamu chemari yekurapa mushure mekubhadhara Chikamu B chakabviswa

Medicare Chikamu D

Chikamu D inoronga kufukidza mishonga yekunyorera uye majekiseni. Rudzi urwu rwekufukidza runodiwa, asi iwe une mashoma sarudzo:

• tenga chikamu cheD chikamu D neyekutanga Medicare
• kusaina chirongwa cheMedicare Chekubatsira icho chinosanganisira kufukidza Chikamu D
• tora kufukidzwa kwakaenzana kubva kune chimwe chirongwa, senge chirongwa chinotsigirwa nemushandirwi

Kana iwe usina hunyanzvi hwekuvhara mishonga uye usingaisainira iyo panguva yekutanga kunyoresa, iwe unobhadhara yeupenyu hwese kunonoka kunyoresa chirango.

Medicare yekuwedzera inishuwarenzi (Medigap)

Medigap inogona kubatsira kubhadhara kunze-kwe-muhomwe mari. Pane gumi "zvirongwa" zvinopa kufukidzwa: A, B, C, D, F, G, K, L, M, naN.

Zano rega rega rine kufukidza kwakati siyanei, uye haasi marongero ese anotengeswa munzvimbo dzese. Funga zvaunoda iwe wega kana uchiongorora zvirongwa zveMedigap, uye shandisa iyo Medicare chirongwa chekutsvaga chishandiso kuti uone kuti ndedzipi zvirongwa zvinotengeswa mune yako ZIP kodhi.

Zvichienderana nechirongwa chaunosarudza, Medigap inovhara zvimwe kana zvese izvi zvinodhura zveMedare:

• copayments
• coinsurance
• kubviswa
• hunyanzvi hwekuchengetedza nzvimbo
• kurapwa kwekukurumidzira

Medigap inowanikwa kuti ishandiswe chete neyekutanga Medicare. Haikwanise kusanganiswa nezvirongwa zveMedicare Advantage (Chikamu C). Iwe haugone kunyoresa mune ese Medicare Kubatsira uye Medigap.

Ndeapi marongedzero eMedicare anowanikwa muIndiana?

MuIndiana, Medicare Advantage zvirongwa zvinowira pasi pezvikamu zvinomwe:

• Hutano Kuchengetedza Sangano (HMO) zvirongwa. Mune iyo HMO, iwe unosarudza wekutanga wekutarisira (PCP) kubva kuchirongwa cheneti yevanachiremba. Munhu iyeye anoronga kutarisirwa kwako, kusanganisira kuendeswa kune nyanzvi. HMOs dzinosanganisira zvipatara uye zvivakwa mukati metiweki zvakare.
• HMO ine poindi yebasa (POS) zvirongwa. HMO ine POS zvirongwa zvinofukidza kuchengetedza kunze kwenetiweki. Izvo zvinowanzo sanganisira yakakwira kunze-kwe-muhomwe mitengo yekunze-kwe-network kuchengetedza, asi imwe yemutengo iyoyo yakafukidzwa.
• Anosarudzika Provider Sangano (PPO) zvirongwa. PPO zvirongwa zvine network yevanopa rubatsiro uye zvipatara uye hazvidi kuti iwe uwane PCP yekuendesa kuti uone nyanzvi. Kuchengetedza kunze kwenetwork kunogona kudhura zvakanyanya kana kutadza kuvharwa zvachose.
• Mupiro-anotsigirwa akarongeka ekuchengetedza zvirongwa (PSO). Mune izvi zvirongwa, vanopa vanotora njodzi dzemari dzekuchengetedza, saka unosarudza PCP kubva kuchirongwa uye unobvuma kushandisa vanopa chirongwa.
• Medicare ekuchengetedza maakaunzi (MSAs). Iyo MSA inosanganisira yakakwira-inobvisirwa hurongwa hweinishuwarenzi neaccount account yeanokwanisa marapirwo emari. Medicare inobhadhara maprimiyamu ako uye inoisa imwe huwandu muaccount yako gore rega rega. Unogona kutsvaga rubatsiro kubva kuna chero chiremba.
• Yakavanzika Mari-ye-sevhisi (PFFS) zvirongwa. Aya ndiwo marongero epamhepo einishuwarenzi ayo anoisa mitengo yekudzorera yakanangana nevatapi. Iwe unogona kusarudza chero chiremba kana chivakwa chinogamuchira yako PFFS chirongwa; zvisinei, havazi vese vanopa vanozodaro.
• Vanonamata Fraternal Inobatsira Sangano zvirongwa. Aya marongero maHMO, maHMO anePOS, PPOs, kana maPSOs akagadzirwa nesangano rechitendero kana rehama. Kunyoresa kunogona kungogumira kune vanhu vari mukati mesangano irori.

Special Needs Plans (SNPs) inowanikwawo kana uchida humwe hutarisiro hwakarongeka. Aya marongero anopa kuwedzera kufukidza uye rubatsiro.

Unogona kuwana SNP kana iwe:

• inokodzera kune ese Medicaid uye Medicare
• une imwe kana yakawanda isingagumi kana inoremadza mamiriro
• gara munzvimbo yekuchengetedza kwenguva refu

Aya mainishuwarenzi anotakura anopa Medicare Advantage zvirongwa muIndiana:

• Aetna
• Allwell
• Nhetembo Bhuruu Muchinjikwa uye Bhuruu Shield
• Nhetembo UtanoVachengeti
• CareSource
• Humana
• Indiana University Hutano Zvirongwa
• Lasso Utano
• MyTruAdvantage
• UnitedHealthcare
• Zing Hutano

Zvirongwa zvakasiyana zvinowanikwa munzvimbo yega yega yeIndiana, saka zvaunogona kusarudza zvinoenderana nekwaunogara uye nekodhi yako yeZIP. Haasi ese marongero anowanikwa munzvimbo dzese.

Ndiani anokodzera Medicare muIndiana?

Kuti uve unokodzera zvirongwa zveMedicare Indiana, unofanira:

• ave nemakore makumi matanhatu nemashanu zvichikwira
• uve mugari weU.S. kana mugari zviri pamutemo kwemakore mashanu kana kudarika

Unogona kukodzera usati wave nemakore makumi matanhatu nemashanu kana iwe:

• vakagamuchira Social Security Disability Insurance (SSDI) kana Railroad Retirement Bhenefiti (RRB) kwemwedzi makumi maviri nemana
• vane chirwere chekupedzisira renal chirwere (ESRD) kana itsvo kuisazve
• vane amyotrophic lateral sclerosis (ALS), inozivikanwawo sehosha yaLou Gehrig

Ndirini pandinogona kunyoresa muMedicare Indiana zvirongwa?

Vamwe vanhu vanozvinyoresa voga muMedare, asi vazhinji vanofanirwa kusaina panguva yekunyoresa chaiyo.

Yekutanga kunyoresa nguva

Kutanga 3 mwedzi pamberi pemwedzi wekuzvarwa kwako makumi matanhatu nemashanu, unogona kunyoresa muMedare. Zvako mabhenefiti zvichatanga zuva rekutanga remwedzi wako wekuzvarwa.

Kana iwe ukarasikirwa ino yekutanga nguva yekusaina, iwe unogona achiri kunyoresa mukati memwedzi wekuzvarwa kwako uye kwemwedzi mitatu mushure, asi kufukidzwa kuchanonoka.

Munguva yekutanga kunyoresa nguva, unogona kunyoresa muzvikamu A, B, C, uye D.

Kunyoresa kwakawanda: Ndira 1 kusvika Kurume 31

Kana iwe wakarasikirwa neako ekutanga kunyoresa nguva, iwe unogona kunyoresa kutanga kwegore rega, asi kufukidzwa kwako hakuzotanga kusvika muna Chikunguru 1. Kunonoka kunyoreswa kunogona zvakare kureva kuti iwe uchabhadhara chirango pese paunosaina kusaina.

Mushure mekunyorwa kwakawanda, unogona kusaina Medicare Kubatsira kubva Kubvumbi 1 kusvika Chikumi 30.

Medicare Kubatsira kuvhura kunyoresa: Ndira 1 kusvika Kurume 31

Kana iwe watove wakanyoreswa muchirongwa cheMedicare Advantage, iwe unogona kuchinja marongero kana kudzokera kumashure kune yekutanga Medicare panguva ino.

Medicare yakavhurika kunyoresa: Gumiguru 1 kusvika Zvita 31

Iyo zvakare inonzi iyo yegore kunyoresa nguva, ino inguva iwe yaunogona:

• chinja kubva pakutanga Medicare kuenda kuMedicare Kubatsira
• chinja kubva Medicare Kubatsira kuenda kune yekutanga Medicare
• chinja kubva kune imwe Medicare Advantage chirongwa ichienda pane chimwe
• chinja kubva kune imwe Medicare Chikamu D (chirongwa chemushonga) kuenda kune chimwe

Yakakosha kunyoresa nguva

Iwe unogona kunyoresa muMedare pasina kumirira kunyoresa kuvhurika nekukodzera iyo yakakosha kunyoresa nguva. Izvi zvinowanzoitika kana ukarasikirwa nechuru pasi pechirongwa chinotsigirwa nevashandirwi, buda kunze kwenzvimbo yako yekuvhara nzvimbo, kana chirongwa chako chisisipo nekuda kwechimwe chikonzero.

Matipi ekunyoresa muMedicare muIndiana

Izvo zvakakosha kuti uongorore zvaunoda zvehutano uye verenga yega yega chirongwa zvakanyatsonaka kuti iwe ugone kusarudza iyo inopa yakanakisa kufukidzwa kwezvaunoda. Nyatso kufunga:

• kunyangwe iwe uchida yekutanga Medicare kana Medicare Kubatsira
• kana vanachiremba vako vaunoda vari munetiweki yeMedicare Advantage
• izvo iyo premium, inobviswa, copay, coinsurance, uye kunze-kwehomwe mari ndeyechirongwa chega chega

Kuti udzivise chirango chekunonoka kunonoka, nyorera kune ese mativi eMedare (A, B, uye D) kana kuve nechokwadi chekuti une zvimwe zvekufukidza, senge chirongwa chinotsigirwa newaunoshandira, kana uchinge wasvitsa makore makumi matanhatu nemashanu.

Indiana Medicare zviwanikwa

Kana iwe uchida rumwe ruzivo kana kubatsira kunzwisisa kwako Medicare sarudzo muIndiana, izvi zviwanikwa zviripo:

• Indiana Dhipatimendi reInishuwarenzi, 800-457-8283, iyo inopa kuongororwa kweMedare, zvinobatsira zvinongedzo zveMedare, uye kubatsira kubhadhara Medicare
• Indiana State Health Insurance Chirongwa (SHIP), 800-452-4800, uko vanozvipira vanopindura mibvunzo uye vanokubatsira iwe nekunyoresa kweMedare
• Medicare.gov, 800-633-4227

Chii chandinofanira kuita zvinotevera?

Heano matipi ekukubatsira iwe kunyoresa muMedare:

• Unganidza chero marekodhi kana ruzivo nezveyako mirairo uye mamiriro ekurapa.
• Kumbira chiremba wako kuti ndeipi inishuwarenzi kana zvirongwa zveMedicare zvavanogamuchira kana kutora chikamu mazviri.
• Sarudza kuti yako yekunyoresa nguva iri uye maka makarenda yako.
• Saina chikamu cheA chikamu A uye Chikamu B, wobva wasarudza kana iwe uchida chirongwa cheMedicare Advantage.
• Sarudza chirongwa chine kufukidza chaunoda uye vanopa iwe vaunoda.

Ichi chinyorwa chakagadziridzwa munaNovember 20, 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.