Maine Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu C
• Medicare Chikamu D
• Ndeapi maMedare Ekubatsira zvirongwa zviripo muMaine?
• Ndiani anokodzera Medicare muMaine?
• Ndirini pandinogona kunyoresa muMedare Maine zvirongwa?
• Yekutanga kunyoresa nguva
• Kunyoresa kwakawanda: Ndira 1 kusvika Kurume 31
• Vhura nguva yekunyora: Gumiguru 15 kusvika Zvita 7
• Yakakosha kunyoresa nguva
• Matipi ekunyoresa muMedare muMaine
• Maine Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Iwe unowanzo kuve unokodzera kurapwa kwehutano hweMedicare paunosvitsa makore makumi matanhatu nemashanu ekuberekwa. Medicare chirongwa cheinishuwarenzi chehutano chinopa zvirongwa mudunhu rese. Medicare Maine ine akati wandei sarudzo dzekuvhara dzaungasarudza kubva, kuti ugone kusarudza yakanakisa mutambo wezvaunoda.

Tora nguva yekuona kukodzera kwako, tsvagisa marongero akasiyana siyana, uye tsvaga zvimwe nezve kunyoresa muMedare zvirongwa muMaine.

Chii chinonzi Medicare?

Pakutanga kuona, Medicare inogona kuratidzika kunge yakaoma. Iyo ine akawanda mativi, akasiyana siyana ekuvhara sarudzo, uye huwandu hwemaprimiyamu. Kunzwisisa Medicare Maine kuchakubatsira iwe kuita sarudzo yakakunakira iwe.

Medicare Chikamu A

Chikamu A chikamu chekutanga cheMedicare yekutanga. Iyo inopa yakakosha Medicare kufukidzwa, uye kana iwe uchikodzera kuSocial Security mabhenefiti, iwe uchagamuchira Chikamu A mahara.

Chikamu A chinosanganisira:

• kuchengetwa muchipatara
• kushomeka kufukidza kune vane hunyanzvi hwekuchengeta (SNF) kutarisirwa
• kuganhurirwa kufukidzwa kwevamwe-venguva-yenguva imba yekurapa masevhisi
• kutarisira varwere

Medicare Chikamu B

Chikamu B chikamu chechipiri cheMedicare yekutanga. Ungangoda kubhadhara maprimiyamu echikamu B. Inobata:

• kugadzwa kwavanachiremba
• kudzivirira
• zvishandiso senge vanofamba uye mawiricheya
• kurapwa kwekunze
• lab miedzo uye X-ray
• hutano hwepfungwa mabasa

Medicare Chikamu C

Chikamu C (Medicare Advantage) zvirongwa muMaine zvinopihwa kuburikidza neyakavanzika hutano vatakuri vakatakurwa neMedicare. Vanopa:

• iyo imwecheteyo yekuvhara seyakare yekutanga Medicare (zvikamu A uye B)
• kunyorerwa zvinodhaka
• mamwe masevhisi, akadai sekuona, mazino, kana zvido zvekunzwa

Medicare Chikamu D

Chikamu D inonyorerwa mishonga inodzidziswa inopihwa kuburikidza neyakavanzika inishuwarenzi vanotakura. Inopa kufukidzwa kwemishonga yako yemishonga.

Zano rega rega rinofukidza rakasiyana rondedzero yemishonga, inozivikanwa seyakaumbwa. Saka, usati wanyoresa muchikamu cheChikamu D, unofanirwa kuona kuti mishonga yako ichafukidzwa.

Ndeapi maMedare Ekubatsira zvirongwa zviripo muMaine?

Kana iwe ukanyoresa mune yekutanga Medicare, iwe unogashira inotsigirwa-nehurumende inishuwarenzi yehutano kufukidzwa kune yakatarwa rondedzero yechipatara neyekurapa masevhisi.

Medicare Advantage inoronga muMaine, kune rimwe divi, inopa yakasarudzika nzira dzekuvhara uye akati wandei mazinga eprimiyamu, ese akagadzirirwa kuenderana nezvinodiwa zvevakuru vakuru. Vatakuri veMedicare Advantage zvirongwa muMaine ndeizvi:

• Aetna
• AMH Hutano
• Harvard Pilgrim Hutano Kuchengeta Inc.
• Humana
• Martin's Point Generations Kubatsira
• UnitedHealthcare
• WellCare

Kusiyana neyekutanga Medicare, inova chirongwa chenyika, ava voga inishuwarenzi vanopa vanosiyana kubva kudunhu kuenda kudunhu - kunyangwe pakati pematare Paunenge uchitsvaga zvirongwa zveMedicare Advantage muMaine, ive shuwa kuti uri kungo fananidza zvirongwa zvinopa kufukidzwa mudunhu rako.

Ndiani anokodzera Medicare muMaine?

Sezvaunofunga nezvesarudzo dzako, zvinobatsira kuziva nezvekukodzera zvinodiwa kune zvirongwa zveMedare muMaine. Iwe unozokodzera Medicare Maine kana iwe:

• vane makore makumi matanhatu nemashanu zvichikwira
• vari pasi pemakore makumi matanhatu nemashanu uye vane chirwere chisingaperi, senge kumagumo renal chirwere (ESRD) kana amyotrophic lateral sclerosis (ALS)
• vari pasi pemakore makumi matanhatu nemashanu uye vakagamuchira Social Security hurema mabhenefiti kwemwedzi makumi maviri nemana
• mugari weU.S. kana mugari wechigarire

Iwe unozokodzera kupihwa premium-yemahara Chikamu A kufukidzwa kuburikidza neMedare Maine kana iwe:

• wakabhadhara Medicare mutero kwegumi remakore ako ekushanda
• gamuchira mabhenefiti emudyandigere kubva kuSocial Security kana iyo Railroad Retirement Board
• vaive mushandi wehurumende

Ndirini pandinogona kunyoresa muMedare Maine zvirongwa?

Yekutanga kunyoresa nguva

Nguva yakanakisa yekunyora muMedare zvirongwa muMaine iri panguva yako yekutanga kunyoresa nguva. Izvi zvinokutendera iwe kuti uwane kufukidzwa kwaunoda kubva panguva yaunosvitsa makore makumi matanhatu nemashanu ekuberekwa.

Yako yekutanga kunyoresa nguva iwadhi yemwedzi minomwe inotanga mwedzi mitatu izere usati wasvika makore makumi matanhatu nemashanu ekuberekwa, inosanganisira mwedzi wako wekuzvarwa, uye unoenderera kwemwedzi mitatu yekuwedzera mushure mekuzvarwa kwako.

Kana iwe uchikodzera kuSocial Security mabhenefiti, iwe unozongo nyorwa wega mune yekutanga Medicare Maine.

Munguva ino yenguva, iwe unogona kunyoresa muchikamu cheDanho D kana chirongwa cheMedigap.

Kunyoresa kwakawanda: Ndira 1 kusvika Kurume 31

Kuvharidzirwa kweMedare kunofanirwa kuongororwa gore rega rega sezvo hutano hwako hunoda kuchinja kana zvirongwa zvichichinja marongero avo ekuvhara.

Nguva yekunyorwa kwakawanda iri kubva muna Ndira 1 kusvika Kurume 31. Iyo inokutendera iwe kusaina kweMedicare yekutanga kana usati watoita zvakadaro. Iwe unogona zvakare kushandisa ino nguva kunyoresa muMedicare Advantage zvirongwa kana Chikamu Chikamu kufukidzwa.

Vhura nguva yekunyora: Gumiguru 15 kusvika Zvita 7

Iyo yakavhurika kunyoresa nguva inotangira kubva Gumiguru 15 kusvika Zvita 7. Ndiyo imwe nguva apo iwe paunogona kuchinja kufukidza.

Munguva ino, iwe unozogona kuchinjisa pakati peMedare maAdvantage marongero muMaine, dzokera kune yekutanga Medicare kufukidza, kana kunyoresa mune yekunyorera mishonga yekuvhara.

Yakakosha kunyoresa nguva

Mamwe mamiriro ezvinhu anotendera iwe kunyoresa muMedare Maine kana kuita shanduko kuchirongwa chako kunze kweaya akajairwa ekunyoresa nguva. Iwe unogona kukodzera kunyoresa kunyoresa nguva kana iwe:

• kurasikirwa neako mushandi inishuwarenzi yehutano kufukidzwa
• buda kunze kwenzvimbo yako yekuvhara nzvimbo
• enda kumusha unochengeterwa vakwegura

Matipi ekunyoresa muMedare muMaine

Sezvo iwe uchiyera zvaunogona kusarudza uye uchienzanisa zvirongwa zveMedare muMaine, tevera aya matipi:

• Tsvaga paunenge uchikodzera kunyoresa uye, kana zvichibvira, kunyoresa panguva yako yekutanga kunyoresa nguva.
• Taura kuhofisi yechiremba wako uye uone kuti ndeapi ma network. Yekutanga Medicare inovhara vanachiremba vazhinji; zvisinei, muchivande mhanyisa Medicare Advantage zvirongwa muMaine zvinoshanda nemamwe maratidziro madhokotera munzvimbo dzese. Ita shuwa kuti chiremba wako ari mumvumo yakabvumidzwa yechero chirongwa chauri kufunga nezvacho.
• Kana iwe uri kufunga nezve chirongwa chemushonga kana chirongwa cheAdvantage, gadzira runyorwa ruzere rwemishonga yako yese. Wobva waenzanisa iyi rondedzero uchipesana neyakafukidzwa inopihwa nechero zano mune yayo formulary kuti uve nechokwadi chekuti mishonga yako inosanganisirwa.
• Tarisa uone kuti hurongwa hwese hwaita zvakadii, uye tarisa ratings yemhando yepamusoro kana nyeredzi rating system. Ichi chiyero chinoratidza kuti chirongwa chakarongwa sei pahunhu hwekurapwa, kuronga manejimendi, uye ruzivo rweimwe nhengo. Chirongwa chine 5-nyeredzi chiyero chakaitwa nemazvo. Iwe unogona kunge uchigutsikana nehurongwa hwakadai kana ukasangana nezvimwe zvese zvaunoda.

Maine Medicare zviwanikwa

Aya anotevera masangano emunyika anogona kupa rumwe ruzivo nezve epakutanga Medicare uye Medicare Advantage zvirongwa muMaine:

• Nyika yeMaine Kuchembera & Akaremara Services. Fonera 888-568-1112 kana tsvaga rumwe ruzivo online nezve nharaunda uye rutsigiro rwepamusha, kutarisirwa kwenguva refu, uye State Health Insurance Assistance Program (SHIP) kuraira, pamwe nezano nezveMedare.
• Bureau yeInishuwarenzi. Fonera 800-300-5000 kana tarisa webhusaiti kuti uwane rumwe ruzivo nezveMedicare mabhenefiti nemitengo.
• ZveMutemo Services kune Vakwegura. Nezvemahara epamutemo kuraira nezve hutano inishuwarenzi, zvirongwa zveMedare, Kuchengetedzwa Kwemagariro, kana pension pundutso, fona 800-750-535 kana tarisa pamhepo.

Chii chandinofanira kuita zvinotevera?

Sezvo iwe uchiswedera pamakore ako makumi matanhatu nemashanu ekuberekwa, tanga kutsvaga zvakawanda pamusoro pehurongwa hweMedare muMaine uye enzanisa sarudzo dzako dzekuvhara. Iwe unogona zvakare kuda kuita zvinotevera:

• Funga nezve masevhisi ehutano aungade kuwana, uye uwane chirongwa chinowirirana kwete bhajeti yako chete, asi hutano hwako hunodawo futi.
• Shandisa kero yako yeZIP kana uchitsvaga zvirongwa kuti uve nechokwadi chekuti uri kutarisa kune iwo chete aunowana.
• Fonera Medicare, kana chirongwa cheAdvantage kana Chikamu cheD mupi, kubvunza chero inotevera mibvunzo uye kutanga maitiro ekunyoresa.

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.