Iowa Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Yekutanga Medicare
• Medicare Kubatsira
• Ndeapi marongero eMedicare Anobatsira aripo muIowa?
• Ndiani anokodzera Medicare muIowa?
• Ndirini pandinogona kunyoresa muMedicare Iowa zvirongwa?
• Matipi ekunyoresa muMedare muIowa
• Iowa Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Kana iwe uchigara muIowa, unogona kukodzera Medicare. Iyi federal chirongwa chinopa inishuwarenzi yehutano kune veIowans vane makore makumi matanhatu nemashanu kana kupfuura, pamwe nevamwe vechidiki vakaremara.

Kana iwe uri mutsva kuMedare, hazvisi nyore nguva dzose kuti uone sarudzo dzako dzekuvhara. Ichi chinyorwa chinopa sumo kuna Medicare Iowa, kusanganisira Medicare Advantage sarudzo uye nzira yekusarudza chirongwa chakakukodzera.

Chii chinonzi Medicare?

Iko kune maviri maMedhire ekuvhara sarudzo muIowa. Iwe unogona kusarudza iyo yekutanga Medicare kana Medicare Advantage.

Yekutanga Medicare

Chekutanga Medicare inonziwo yechinyakare Medicare. Inopihwa kuburikidza nehurumende yemubatanidzwa uye inosanganisira:

• Chikamu A (inishuwarenzi yechipatara). Chikamu A chinofukidza akasiyana mabasa ane chekuita nechipatara, kusanganisira kugara muchipatara kwevarwere uye kushomeka kwevanamukoti vane hunyanzvi.
• Chikamu B (inishuwarenzi yekurapa). Chikamu B chinosanganisira kufukidzwa kweakawanda marapirwo anodikanwa uye mabasa ekudzivirira, akadai sekushanya kwachiremba, bvunzo dzepanyama, uye kurwara nefuruwenza.

Original Medicare haifukidze zvese, asi makambani einishuwarenzi anopa zvirongwa zvinogona kubatsira kuzadza maburi. Kana iwe uchida mishonga yemishonga inovhara, unogona kusaina chirongwa cheMedare Chikamu D. Kana iwe uchida rubatsiro kubhadhara Medicare copayments, coinsurance, uye zvakabviswa, unogona kusaina kune Medicare yekuwedzera inishuwarenzi Medigap).

Medicare Kubatsira

MuIowa, yako imwe sarudzo chirongwa cheMedicare Advantage. Zvirongwa izvi zvinopihwa nemakambani akazvimirira uye zvinotarisirwa nehurumende. Ivo vanovhara zvese zvakafanana chipatara uye zvekurapa masevhisi seyakatanga Medicare, asi ivo vanowanzo sanganisira mamwe mabhenefiti, akadai se:

• kunyorerwa zvinodhaka
• kunzwa, chiono, kana kuvhara mazino

Ndeapi marongero eMedicare Anobatsira aripo muIowa?

Kubva muna 2021, vatakuri vanotevera vanotengesa zvirongwa zveMedicare Advantage muIowa:

• Aetna Medicare
• HutanoPartners KubatanaPoint Hutano
• Humana
• Medica
• Medical Associates Hutano Chirongwa, Inc.
• MediGold
• UnitedHealthcare

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

Ndiani anokodzera Medicare muIowa?

Kana iwe uri mudiki pane zera makumi matanhatu nemashanu, unokodzera Medicare Iowa kana:

• wakaonekwa uine end stage renal chirwere (ESRD)
• wakamboonekwa uine amyotrophic lateral sclerosis (ALS)
• wanga uchiwana Inishuwarenzi Yekuremara Inishuwarenzi kweanopfuura makore maviri

Kune maIowans vari kutendeuka zera makumi matanhatu nemashanu, kusangana neimwe yeanotevera maitiro kunoita kuti uve unokodzera Medicare:

• uri mugari weU.S. kana mugari wechigarire anga ari munyika kweanenge makore mashanu
• iwe parizvino unogashira Social Security pamudyandigere kana unokodzera mabhenefiti aya

Pane mimwe mvumo yekufanirwa yezvirongwa zveMedicare Advantage muIowa.Kuti uve unokodzera, unofanirwa kugara munzvimbo yebasa reurongwa uye uine maMedare zvikamu A naB.

Ndirini pandinogona kunyoresa muMedicare Iowa zvirongwa?

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

• Yekutanga kunyoresa nguva. Kana iwe uchitanga kukodzera kana iwe uchinge wasvitsa makore makumi matanhatu nemashanu, unogona kusaina panguva ino yemwedzi minomwe. Inotanga mwedzi mitatu mwedzi usati wasvitsa makore makumi matanhatu nemashanu uye inopera mwedzi mitatu mushure memwedzi wekuzvarwa kwako makumi matanhatu nemashanu.
• Medicare yakavhurika kunyoresa nguva. Iyo yegore yakavhurika kunyoresa nguva inoitika pakati paGumiguru 15 naDecember 7. Panguva ino, iwe unogona kujoina chirongwa cheMedicare Advantage kana kuchinjira kuchirongwa chitsva.
• Medicare Kubatsira yakavhurika kunyoresa nguva. Kana iwe uchitova mune chirongwa cheMedicare Advantage, unogona kuchinjira kune imwe pakati paNdira 1 naKurume 31 gore rega.

Zvimwe zviitiko zvehupenyu, sekurasikirwa nebasa rinokupa iwe hutano hwekuvhara, zvinotangisa yakatarwa nguva yekunyora. Izvi zvinokupa iwe mukana wekusainira Medicare kunze kweyakajairwa kunyoresa nguva.

Mune zvimwe zviitiko, unogona kunyoreswa kuMedare otomatiki. Kana iwe uchikodzera nekuda kwekuremara, iwe unowana Medicare mushure mekunge wagamuchira mwedzi makumi maviri nemana yeSocial Security Disability Insurance. Iwe unozosainiswazve otomatiki kana iwe uchinge wasvitsa makore makumi matanhatu nemashanu kana iwe uchitove uchiwana Social Security mari yekubatira.

Matipi ekunyoresa muMedare muIowa

Paunenge uchitsvaga zvirongwa zveMedicare Advantage, kudzikisira sarudzo dzako kunogona kukuvadza. Kuita kuti maitiro acho ave nyore, chengeta zvinhu izvi mupfungwa paunenge uchitenga uchitenderera.

• Yako bhajeti. Usati wasarudza zano, sarudza kuti ungakwanise kushandisa marii. Funga kwete chete mapurimendi emwedzi wega wega, asi imwe mari yekuvhara, yakadai seyekusimbiswa kwemari, makopi, uye zvakaderedzwa.
• Vanachiremba vako. Kana iwe ukajoinha chirongwa cheMedicare Advantage, iwe unowanzo kupihwa rubatsiro kubva kuna vanachiremba vari muchirongwa che network. Kana iwe uchida kuramba uchiona varapi vako varipo, ita shuwa kuti vari mumambure.
• Kuvhara kwako kunoda. Medicare Advantage zvirongwa zvinogona kuvhara masevhisi ayo ekutanga Medicare asingaiti, uye aya mabhenefiti ekuwedzera anosiyana kubva pakuronga kuronga. Kana iwe uchida chairo mabhenefiti, senge kutarisirwa kwemazino kana kutarisirwa kwekuona, ita shuwa kuti chirongwa chako chinovapa.
• Utano hwako hunoda. Kana iwe uine hutano husingaperi mamiriro, senge kenza kana chirwere chemuviri, ungangoda kujoina Special Needs Chirongwa. Aya marongero anoenderana masevhisi avo uye evanopa netiweki kuti akwane zvirinani zvido zvevanhu vane mamwe mamiriro.

Iowa Medicare zviwanikwa

Kune zvakawanda zvinobatsira zviwanikwa zvinogona kukubatsira iwe kunzwisisa Medicare Iowa, kusanganisira:

• Senior Hutano Inishuwarenzi Ruzivo Chirongwa (SHIIP) 800-351-4664
• Iyo Yemagariro Kuchengetedzwa Kwekutonga 800-772-1213

Chii chandinofanira kuita zvinotevera?

Kana yave nguva yekunyora muMedare, unogona:

• Saina kune Medicare zvikamu A uye B. Kuti uwane Medicare, bata iyo Social Security Administration. Iko kune online application, asi kana iwe uchida, iwe unogona kushanyira yako yemuno Social Security hofisi kana kufona 800-772-1213.
• Tenga zvirongwa zveMedare kuMedare.gov. Iyo yepamhepo Medicare chirongwa chekutsvaga chishandiso chinoita kuti zvive nyore kutenga kune Medicare zvirongwa muIowa. Mushure mekupinda yako ZIP kodhi, iwe uchaona yakadzama runyorwa rwezvirongwa iwe zvaunogona kusarudza kubva.
• Taura nemupi wezano weMedicare. Kana iwe uchida rubatsiro kuenzanisa zvirongwa zveMedare munzvimbo yako, bata Iowa SHIIP. Muzvipiri weSHIIP anogona kukubatsira kuti unzwisise sarudzo dzako dzeMedare uye nekuita zvimwe zvakavanzika zvekuvhara sarudzo.

Chinyorwa ichi chakagadziriswa muna Gumiguru 7, 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.