Michigan Medicare Zvirongwa muna 2021

Zvemukati

• Medicare muMichigan ruzivo
• Medicare sarudzo muMichigan
• Yekutanga Medicare
• Medicare Kubatsira muMichigan
• Medicare yekuwedzera zvirongwa muMichigan
• Kunyoresa kweMedare kuMichigan
• Matipi ekunyoresa muMedare muMichigan
• Michigan Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?
• Kutora

Medicare chirongwa chemubatanidzwa chinobatsira vakuru vakura uye vechidiki vanhu vakaremara kubhadhara kwehutano. Munyika yese, vangangoita mamirioni 62.1 vanhu vanowana hutano hwavo kubva kuMedare, kusanganisira vangangoita mamirioni 2.1 vanhu muMichigan.

Kana iwe uchitsvaga zvirongwa zveMedare muMichigan, unogona kunge uchinetseka kuti ndeapi sarudzo aripo uye kuti ungasarudza sei chirongwa chakakukodzera.

Medicare muMichigan ruzivo

ICentre yeMedicare & Medicaid Services (CMS) yakashuma ruzivo runotevera nezveMedicare maitiro muMichigan pagore ra2021.

• Huwandu hwevanhu 2,100,051 vemuMichigan vakanyoreswa muMedare.
• Ivhareji Medicare Advantage mwedzi wepamberi yakaderera muMichigan uchienzaniswa negore rapfuura - kubva pamadhora 43.93 muna2020 kusvika $ 38 muna2021.
• Kune 169 Medicare Advantage zvirongwa zviripo muMichigan muna2021, zvichienzaniswa nezvirongwa gumi nematanhatu muna2020.
• Vese vagari veMichigan vane Medicare vanokwanisa kutenga chirongwa cheMedicare Advantage, kusanganisira zvirongwa zvine madhora ekutanga emadhora.
• Pane makumi maviri nemapfumbamwe akamira-ega Medicare Chikamu D zvirongwa zviripo muMichigan muna2021, zvichienzaniswa nezvirongwa makumi matatu muna2020.
• Vese vagari veMichigan vane yakazvimirira-yega Chikamu D chirongwa vanokwanisa kuwana chirongwa nemari yepasi yemwedzi yepayimusi pane yavakabhadhara mu2020.
• Kune makumi matanhatu neshanu akasiyana maMedigap marongero anopiwa muMichigan muna2021.

Medicare sarudzo muMichigan

MuMichigan, pane maviri makuru sarudzo dzeMedare kufukidza: yekutanga Medicare uye Medicare Advantage. Yekutanga Medicare inotarisirwa nehurumende yemubatanidzwa, nepo Medicare Advantage zvirongwa zvinopihwa nemakambani akazvimirira.

Yekutanga Medicare

Chekutanga Medicare ine zvikamu zviviri: Chikamu A uye Chikamu B.

Chikamu A (inishuwarenzi yechipatara) inobatsira iwe kubhadhara masevhisi akadai seanorapwa muchipatara kugara uye hunyanzvi hwekuchengetwa kwenzvimbo.

Chikamu B (inishuwarenzi yekurapa) inokubatsira iwe kubhadhara kune akawanda mabasa ekurapa, kusanganisira mabasa echiremba, kuongororwa kwehutano, uye kurapwa kwevanorapwa kunze.

Medicare Kubatsira muMichigan

Medicare Kubatsira zvirongwa ndeimwe nzira yekuwana yako Medicare kufukidzwa. Iwo dzimwe nguva anonzi Chikamu C. Aya marongero akasungwa anofanira kufukidza ese maMedicare zvikamu A neB mabasa. Kazhinji, ivo vanosanganisira Chikamu D, futi. Medicare Advantage zvirongwa zvinogona zvakare kupa akawanda akawanda mabhenefiti, senge chiratidzo, mazino, uye kunzwa kwekutarisira.

SeMichigan anogara, iwe une akawanda Medicare Advantage sarudzo. Kubva muna2021, anotevera inishuwarenzi makambani anopa Medicare Advantage zvirongwa muMichigan:

• Aetna Medicare
• Blue Kuchengeta Network
• Blue Cross Blue Shield yeMichigan
• HAP Senior Plus
• Humana
• Chinonyanya kukosha Health Medicare
• Kuvimbika Medicare Kubatsira
• UnitedHealthcare
• WellCare
• Zing Hutano

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

Kune vamwe Michiganders, pane nzira yechitatu yekuwana Medicare: MI Health Link. Aya marongero ekuchengetedza ekuchengetedza ndeeevanhu vakanyoreswa mune ese Medicare neMedicaid.

Medicare yekuwedzera zvirongwa muMichigan

Medicare yekuwedzera (Medigap) marongero imhando yeinishuwarenzi yeMedare inotengeswa nemakambani akazvimirira. Izvo zvakagadzirirwa kubatsira kufukidza epakutanga Medicare mutengo, senge:

• coinsurance
• copays
• kubviswa

Kune gumi zvirongwa zveMedigap, uye yega yega inopihwa zita retsamba. Hazvina mhosva kuti iwe unoshandisa kambani ipi, kufukidzwa kunopihwa neimwe tsamba tsamba kunofanirwa kunge kwakafanana. Nekudaro, mutengo uye kuwanikwa kwechirongwa chimwe nechimwe kunogona kusiyana zvichienderana nedunhu, dunhu, kana kodhi kodhi kwaunogara.

MuMichigan, makambani mazhinji einishuwarenzi anopa zvirongwa zveMedigap. Kubva muna2021, mamwe emakambani ari kupa zvirongwa zveMedigap muMichigan anosanganisira:

• AARP - UnitedHealthcare
• Blue Cross Blue Shield yeMichigan
• Cigna
• Colonial Penn
• Humana
• Chinonyanya kukosha Utano
• State Farm

Pakazara, une makumi matanhatu neshanu marongero eMedigap anowanikwa kusarudza kubva gore rino kana uchigara kuMichigan.

Kunyoresa kweMedare kuMichigan

Kana iwe ukatambira Social Security pamudyandigere mabhenefiti, iwe ungangodaro unokwanisa kuve wakanyoreswa muMedicare kana iwe uchinge wasvitsa makore makumi matanhatu nemashanu. Iwe unogona zvakare kuve unonyoreswa otomatiki pakutanga kwemwedzi wako wechi25 paSSDI kana iwe uri mudiki mukuru ane hurema.

Kana iwe usati wakanyoreswa muMedare, unogona kusaina pane dzimwe nguva mukati megore. Iyi inotevera nguva yekunyora inowanikwa.

• Yekutanga kunyoresa nguva. Kana iwe uchikodzera Medicare pazera makumi matanhatu nemashanu, unogona kusaina mukati memwedzi minomwe-yekutanga kunyoresa nguva. Iyi nguva inotanga mwedzi mitatu mwedzi usati wasvitsa makore makumi matanhatu nemashanu, unosanganisira mwedzi wako wekuzvarwa, uye unopera mwedzi mitatu mushure memwedzi wako wekuzvarwa.
• Medicare yakavhurika kunyoresa nguva. Kana iwe uine Medicare, iwe unogona kuita shanduko kune yako yekuvhara pakati paGumiguru 15 naDecember 7 gore rega. Izvi zvinosanganisira kujoina chirongwa cheMedicare Advantage.
• Medicare Kubatsira yakavhurika kunyoresa nguva. Pakati paNdira 1 kusvika Kurume 31 gore rega rega, vanhu vane Medicare Advantage zvirongwa vanogona kuchinja kwavo kufukidza. Panguva ino, unogona kuchinjira kuchirongwa chitsva cheMedicare Advantage kana kudzokera kuMedicare yekutanga.
• Nguva dzakakosha dzekunyora. Iwe unogona kusaina pane dzimwe nguva dzegore kana iwe ukaona zvimwe zviitiko zvehupenyu, sekurasikirwa neako mushandi-based hutano chirongwa kana kuzvipira kune imwe nyika.

Matipi ekunyoresa muMedare muMichigan

Kusarudza chirongwa cheMedare muMichigan chisarudzo chakakura. Hezvino zvimwe zvinhu zvaungade kufunga nezvazvo paunenge uchitenga uchitenderera:

• Provider network. Kana iwe ukasarudza kunyoresa muchirongwa cheMedicare Advantage, iwe kazhinji unofanirwa kuwana yako chengetedzo kubva kune-mu-network vanopa. Usati wasayina, tsvaga kana vanachiremba, zvipatara, uye zvivakwa zvaunoshanyira zviri chikamu chehurongwa hwetaneti.
• Nzvimbo yebasa. Chekutanga Medicare inowanikwa pasirese, asi zvirongwa zveMedicare Advantage zvinoshanda nzvimbo diki dzebasa. Tsvaga kuti nzvimbo yega yega yebasa ndeipi, pamwe neicho kufukidzwa kwauinako kana ukaenda kunze kwenzvimbo yebasa.
• Kunze-kwe-muhomwe mari. Iwe ungangoda kubhadhara maprimiyamu, anodonhedzwa, kana makopi ekubhadhara kwako Medicare. Medicare Advantage mapurani ane gore repamusoro rinobuda kunze-kwehomwe mutengo. Ita shuwa kuti chirongwa chaunosarudza chinokwana mubhajeti rako.
• Kubatsirwa. Medicare Advantage zvirongwa zvinoda kuvhara masevhisi akafanana neaya ekutanga Medicare, asi anogona kupa mamwe mabhenefiti, akadai sekurapa mazino kana kuona. Ivo vanogona zvakare kupa zvinobatsira zvakadai sehutano zvirongwa uye pamusoro-the-counter zvinodhaka.
• Imwe yako yekuvhara. Dzimwe nguva, kusaina chirongwa cheMedare Kubatsira zvinoreva kurasikirwa nemubatanidzwa wako kana kufukidzwa nevashandirwi. Kana iwe uchitova nekuvhara, tsvaga kuti zvichakanganiswa sei neMedare usati waita chero sarudzo.

Michigan Medicare zviwanikwa

Kana iwe uchida kudzidza zvakawanda nezvehurongwa hweMedare muMichigan, zvinotevera zviwanikwa zvinogona kubatsira:

• Iyo Michigan Medicare / Medicaid Rubatsiro Chirongwa, 800-803-7174
• Kuchengetedzwa Kwemagariro, 800-772-1213

Chii chandinofanira kuita zvinotevera?

Kana iwe wagadzirira kusaina kuMedare, kana kana iwe uchida kudzidza zvakawanda nezveMedicare Advantage zvirongwa muMichigan:

• Bata iyo Michigan Medicare / Medicaid Rubatsiro Chirongwa kuti uwane mahara rubatsiro rwehutano kubatsirwa uye kubatsira kufamba neMedare.
• Pedzisa online kubatsirwa kunyorera paSocial Security webhusaiti, kana kunyorera mukati-munhu paSocial Security hofisi.
• Enzanisa zvirongwa zveMedare Kubatsira paMedare.gov, uye nyora muchirongwa.

Kutora

• Vanenge mamirioni 2.1 mamirioni vanhu muMichigan vakanyoreswa muMedare muna 2020.
• Kune makambani mazhinji einishuwarenzi akazvimirira oga anopa mhando dzakasiyana dzeMedicare Advantage muMichigan.
• Pakazara, mari yemubhadharo yemwedzi nemwedzi yakadzikira ye2021 Medicare Advantage zvirongwa muMichigan.
• Kune zvakare kune akati wandei Chikamu D uye Medigap sarudzo kana iwe uchigara kuMichigan uye uchifarira kutenga iwo marongero.

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.