Montana Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Yekutanga Medicare
• Medicare Kubatsira (Chikamu C) uye Medicare Chikamu D
• Ndeapi mapiro eMedhirevhista anowanikwa muMontana?
• Ndiani Anokodzera Medicare muMontana?
• Ndirini pandinogona kunyoresa muMedicare Montana zvirongwa?
• Matipi ekunyoresa muMedare muMontana
• Montana Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Medicare inoronga muMontana inopa huwandu hwesarudzo dzekuvhara. Kunyangwe iwe uchida yekutanga kufukidzwa kuburikidza neyekutanga Medicare kana yakazara yakazara Medicare Advantage chirongwa, Medicare Montana inopa mukana wekuwana hutano hutano mabasa mudunhu.

Chii chinonzi Medicare?

Medicare Montana chirongwa cheinishuwarenzi chehutano chinotsigirwa nehurumende. Inopa rubatsiro rwehutano kune vanhu vane makore makumi matanhatu nemashanu zvichikwira uye avo vane zvimwe zvirwere zvisingaperi kana hurema.

Kune zvikamu zvakati wandei muMedare, uye kunzwisisa zvikamu izvi zvichakubatsira iwe kusarudza rakakodzera chirongwa cheMedare muMontana.

Yekutanga Medicare

Chekutanga Medicare ndiyo yekutanga inshuwarisi yekuvhara chirongwa. Yakaputswa kuita zvikamu zviviri: Chikamu A uye Chikamu B.

Chikamu A, kana inishuwarenzi yepachipatara, haina mubhadharo kune avo vanokodzera kuwana maSocial Security mabhenefiti. Chikamu A chinofukidza:

• chipatara chekuchengetwa kwechipatara
• kutarisira varwere
• kushomeka kufukidza kune vane hunyanzvi hwekuchengetedza nzvimbo
• mamwe masevhisi epamba-epamba epamba

Chikamu B, kana inishuwarenzi yekurapa, inovhara:

• kunze kwekuchengetwa kwechipatara nekuvhiyiwa
• hutano kuongororwa kweshuga, chirwere chemwoyo, uye gomarara
• basa reropa
• vanachiremba vakawanda vanoshanyira
• amburenzi mabasa

Medicare Kubatsira (Chikamu C) uye Medicare Chikamu D

Medicare Advantage (Chikamu C) zvirongwa zvinopihwa kuburikidza nemakambani einishuwarenzi akazvimirira kwete vemasangano ehurumende. Izvi zvinoreva kuti iwe unenge uine zvakawanda zvakawanda sarudzo maererano nemasevhisi akafukidzwa uye mari yeprimiyamu.

Medicare Kubatsira zvirongwa muMontana kufukidza:

• zvese zvipatara uye zvekurapa zvakafukidzwa neyekutanga Medicare zvikamu A uye B
• sarudza mishonga yemishonga inovhara
• mazino, kuona, uye kunzwa kwekunzwa
• kugwinya nhengo
• mamwe mabasa ekufambisa

Medicare Chikamu D zvirongwa zvemushonga zvemushonga zvinopa kufukidza kudzikisa mari yako yekubuda muhomwe. Kune akasiyana marongero emishonga, imwe neimwe ichivhara mishonga yakasiyana. Aya marongero anogona kuwedzerwa kune yako yekutanga Medicare kufukidza. Chikamu D chichafukidzawo mutengo wemishonga yakawanda.

Kusarudza iyo chaiyo yekuvharira zvichibva pane zvako zvehutano zvinodiwa zvinogona kukutungamira kuti usarudze yekutanga Medicare pamwe neChikamu D kufukidzwa, kana iwe ungangoda kuongorora ako Medicare Advantage kuronga sarudzo muMontana.

Ndeapi mapiro eMedhirevhista anowanikwa muMontana?

Zvirongwa zvekubatsira zvinopihwa nenhamba dzinoverengeka dzeinishuwarenzi dzehutano dzinosiyana zvichienderana nenzvimbo yako. Aya marongero akagadzirirwa kusangana nezvinodiwa zvehutano zvemunharaunda, saka ive shuwa kuti uri kutsvaga zvirongwa zviripo mudunhu rako. Aya ndiwo anopa inishuwarenzi ehutano kuMontana:

• Bhuruu Muchinjikwa uye Bhuruu Shield yeMontana
• Humana
• Lasso Utano
• PacificSource Medicare
• UnitedHealthcare

Imwe yeaya ega einishuwarenzi ehutano vatakuri vane akati wandei marongero aunosarudza kubva, aine akati wandei mazinga eprimiyamu, saka tarisa zvese zviri zviviri mubhadharo mubhadharo uye iwo rondedzero yeakavharwa ezvehutano mabasa kana uchienzanisa zvirongwa.

Ndiani Anokodzera Medicare muMontana?

Medicare inoronga muMontana inobatsira vanhu kana vasvitsa makore makumi matanhatu nemashanu uye avo vane mamwe mamiriro asingagumi kana hurema. Vanhu vazhinji vanozvinyora voga muMedare Chikamu A kuburikidza neSocial Security.

Pazera remakore makumi matanhatu nemashanu, unogona zvakare kusarudza kunyoresa muChikamu B, Chikamu D, kana chirongwa cheMedicare Advantage. Kuti uve unokodzera zvirongwa zveMedare muMontana unofanirwa kuve:

• ane makore makumi matanhatu nemashanu kana kupfuura
• anogara zvachose kuMontana
• mugari weU.S.

Vakuru vari pasi pemakumi matanhatu nemashanu vanogona zvakare kukodzera kufukidzwa kweMedare. Kana iwe uine hurema kana chirwere chisingaperi senge amyotrophic lateral sclerosis (ALS) kana yekupedzisira renal chirwere (ESRD), unogona kukodzera Medicare. Zvakare, kana iwe wanga uchinge uchigamuchira Social Security Kuremara Inishuwarenzi mabhenefiti kwemwedzi makumi maviri nemana, iwe unokodzera Medicare muMontana futi.

Ndirini pandinogona kunyoresa muMedicare Montana zvirongwa?

Kunyangwe kana kuti kwete iwe wakango nyorwa muMedicare Chikamu A, iwe unozokodzera kutanga kunyoresa nguva (IEP) paunosvitsa makore makumi matanhatu nemashanu. Unogona kutanga maitiro ekunyoresa mwedzi mitatu zuva rako rekuzvarwa risati rasvika, uye iyo IEP ichawedzera imwe mwedzi mitatu. mushure mekuzvarwa kwako. Nekudaro, kana iwe ukanyoresa mushure mekuzvarwa kwako, kufukidza kutanga mazuva kuchanonoka.

Munguva yeIEP yako, unogona kunyoresa muChikamu B, Chikamu D, kana chirongwa cheMedicare Advantage. Kana iwe ukasanyoresa muChikamu D panguva yeIEP yako, uchafanirwa kubhadhara kunonoka kunyoresa chirango pane yako Chikamu D premium mune ramangwana.

Iwe unogona kunyoresa muMedicare Advantage zvirongwa muMontana kana chirongwa cheChikamu B panguva yeMedicare yakavhurika kunyoresa nguva kubva muna Gumiguru kusvika Zvita 7 gore rega. Munguva ino, iwe unogona kuita shanduko kune yako yehutano yekuvhara. Iwe unozogona ku:

• kunyoresa muchirongwa cheMedicare Advantage kana uchitova neMedicare yekutanga
• kunyoresa muchirongwa chemushonga
• kusabvisa chirongwa cheMedicare Advantage uye dzokera kune yekutanga Medicare
• chinja pakati peMedicare Advantage zvirongwa muMontana
• chinja pakati pezvirongwa zvemushonga

Zvirongwa zveMedare zvinoshanduka gore rega rega, saka ungangoda kuongorora kuongorora kwako nguva nenguva. Mune iyo Medicare Advantage yakavhurika kunyoresa nguva kubva muna Ndira 1 kusvika Kurume 31, iwe unogona kuita shanduko imwe kune yako yekuvhara inosanganisira:

• switching from one Medicare Advantage plan to another
• kurega kubva pachirongwa cheMedicare Advantage uye kudzokera kuMedare yepakutanga

Kana iwe uchangobva kurasikirwa nevashandirwi kufukidza, wabva kunze kwenzvimbo yekuvhara, kana kukodzera kuMedare Montana nekuda kwekuremara, unogona kunyorera yakatarwa nguva yekunyorera kunyorera Medicare kana kuita shanduko kune yako yekuvhara.

Matipi ekunyoresa muMedare muMontana

Pane zvakawanda zvekutarisa kana uchienzanisa zvirongwa zveMedare muMontana, asi nenguva shoma nekutsvagisa, unogona kunzwa uine chivimbo muchisarudzo chako. Heano mashoma matipi ekukubatsira iwe kusarudza chirongwa chinozadzikisa zvaunoda:

• Nyora pasi zvese zvaunoda zvehutano. Izvi zvinodiwa here zvakafukidzwa neyekutanga Medicare? Kana zvisiri, tsvaga Medicare Advantage zvirongwa muMontana zvinopa kufukidzwa kwaunoda, uye zvichiri mubhajeti rako.
• Nyora pasi mishonga yako yese. Chirongwa chega chega chemishonga uye chirongwa cheAdvantage chinofukidza mishonga yakasiyana, saka ita shuwa kuti iwe unowana chirongwa chinopa yakakodzera mishonga yekuvhara mishonga.
• Ziva kune iyo inishuwarenzi network iyo chiremba wako ari. Wese wega wega inishuwarenzi anotakura anoshanda ne-mu-network vanopa, saka ita shuwa kuti chiremba wako anotenderwa nehurongwa hwauri kufunga.

Montana Medicare zviwanikwa

Unogona kuziva zvakawanda nezve Medicare Montana, kana kuwana zvimwe zviwanikwa, nekutaurirana:

Medicare (800-633-4227). Unogona kufonera Medicare kuti uwane rumwe ruzivo nezve zvirongwa zvakapihwa, uye kune mamwe matipi ekuenzanisa Advantage Zvirongwa mudunhu rako.

Montana Dhipatimendi reHuzhinji Hutano neHuman Services, Vakuru uye Yakareba-Nguva Yekuchengetedza Chikamu (406-444-4077). Tsvaga ruzivo nezve chirongwa cheSHIP rubatsiro, nharaunda mabasa, uye sarudzo dzekuchengetedza kumba.

Commissioner weSecurity uye Inishuwarenzi (800-332-6148). Tora rutsigiro rweMedare, tsvaga zvimwe nezve nguva yekunyoresa, kana kugamuchira rubatsiro rwemunhu-wega.

Chii chandinofanira kuita zvinotevera?

Sezvo iwe uchitsvaga yako sarudzo sarudzo, nyatsoongorora zvauri kuita zvehutano zvinodiwa uye bhajeti kuti uve nechokwadi chekuti zvirongwa zvauri kufunga zvichachengetedza kana kusimudzira hupenyu hwako.

• Iva nechokwadi chekuti zvirongwa zvauri kuenzanisa zvese zvinopihwa mudunhu rako uye zip code.
• Verenga iyo CMS nyeredzi ratings ezvirongwa iwe zvauri kufunga. Zvirongwa zvine 4- kana 5-nyeredzi nyeredzi zvakaverengerwa sezvirongwa zvikuru.
• Fonera iyo Inobatsira chirongwa mupi kana kuwana yavo webhusaiti kuti uwane rumwe ruzivo.
• Kutanga maitiro ekunyorera parunhare kana online.

Ichi chinyorwa chakagadziridzwa munaNovember 10, 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.