Nevada Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Chikamu A
• Chikamu B
• Chikamu C (Medicare Kubatsira)
• Chikamu D
• Medicare yekuwedzera inishuwarenzi (Medigap)
• Ndeapi marongedzero eMedicare anowanikwa muNevada?
• Ndiani anokodzera Medicare muNevada?
• Ndirini pandinganyorese muzvirongwa zveMedicare Nevada?
• Yekutanga kunyoresa nguva (IEP)
• Kazhinji kunyoresa nguva
• Medicare Kubatsira kuvhura kunyoresa
• Vhura nguva yekunyora
• Nguva dzakakosha dzekunyora (SEPs)
• Matipi ekunyoresa muMedare muNevada
• Nevada Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Kana iwe uchigara muNevada uye uine makore makumi matanhatu nemashanu ekuberekwa kana kupfuura, unogona kukodzera kuMedare. Medicare inishuwarenzi yehutano kuburikidza nehurumende yemubatanidzwa. Iwe unogona zvakare kuve unokodzera kana iwe uri pasi pemakore makumi matanhatu nemashanu uye ukasangana nezvimwe zvinodiwa pakurapa.

Verenga pamusoro kuti udzidze nezve yako Medicare sarudzo muNevada, riini uye sei kunyoresa, uye anotevera matanho.

Chii chinonzi Medicare?

• Yekutanga Medicare: inovhara pekugara muchipatara uye kurapwa kwevanorwara kunze kwezvikamu A neB
• Medicare Kubatsira: zvakavanzika hutano inishuwarenzi inoronga iyo inosunga iwo iwo mabhenefiti seakatanga Medicare uye inogona zvakare kupa imwe yekuwedzera yekuvhara nzira
• Medicare Chikamu D: izvi zvakavanzika zveinishuwarenzi zvirongwa zvinonyorera zvakatemwa zvinodhaka zvinodhaka
• Medicare yekuwedzera inishuwarenzi (Medigap): zvirongwa zvinopa kufukidzwa kubatsira kubhadhara zvakabviswa, macopay, coinsurance, uye mamwe maMedare ari kunze kwehomwe mutengo.

Chikamu A

Chikamu A chinofukidza kuchengetwa muchipatara, chakakomba kuwana chipatara, kana yakaganhurirwa nguva munzvimbo ine hunyanzvi yekuyamwisa.

Kana iwe uchikodzera kuwana premium-yemahara Chikamu A, hapana mari yemwedzi pamubhadharo uyu. Iwe unozokwereta chinobviswa pese paunogamuchirwa kuti utarisirwe.

Kana iwe usingakodzeri chikamu A usina mubhadharo, unogona kuwana Chikamu A asi uchafanirwa kubhadhara mari yepamberi.

Chikamu B

Chikamu B chinofukidza kumwe kurapwa kunze kwechipatara, kusanganisira:

• kushanyira chiremba wako
• kudzivirira
• lab miedzo, kuongororwa kuongororwa, uye kufungidzira
• midziyo yezvokurapa yakasimba

Iwo maprimiyamu emwedzi wega echikamu B zvirongwa zvinoshanduka gore rega rega.

Chikamu C (Medicare Kubatsira)

Vakasarudzika veinishuwarenzi vanopawo Medicare Advantage (Chikamu C) zvirongwa. Medicare Advantage zvirongwa zvinopa iwo iwo mabhenefiti akafanana nezvikamu A uye B zveMedicare yepakutanga asi anowanzo kuve nekuwedzera kufukidzwa (aine imwezve yekuwedzera) iyo inogona kusanganisira:

• mazino, kuona, uye kunzwa kwekunzwa
• migero yewiricheya
• dhiri rekudya kumba
• zvekufambisa zvinodiwa

Iwe uchiri kuda kunyoresa muzvikamu A uye Chikamu B uye ubhadhe chikamu Chikamu B kana iwe uchinyoresa muchirongwa cheMedicare Advantage.

Chikamu D

Wese munhu ari paMedare anokodzera kupihwa mishonga yekunyorera (Chikamu D), asi zvinongopihwa kuburikidza neinishuwarenzi yakazvimirira. Izvo zvakakosha kuenzanisa zvirongwa nekuti mutengo uye kufukidza zvinosiyana.

Medicare yekuwedzera inishuwarenzi (Medigap)

Medicare yekuwedzera inishuwarenzi (Medigap) inobatsira kuvhara-kwe-muhomwe mari yezvikamu A uye B. Aya marongero anopihwa kuburikidza vega veinishuwarenzi vanopa.

Zvirongwa zveMedigap zvinogona kunge zvakanaka kana iwe uine yakakwira mari yehutano kubva kubva pakutanga Medicare isina yegore yekubuda muhomwe mari yekushandisa. Zvirongwa zveMedigap zvinogona kubatsira kudzikamisa kushushikana kwakatenderedza mari isingazivikanwe yekurapa kana ukasarudza imwe ine muhomwe muhomwe.

Ndeapi marongedzero eMedicare anowanikwa muNevada?

Medicare Kubatsira zvirongwa muNevada zvinowira mumapoka mana:

Hutano Kuchengetedza Sangano (HMO). Uine HMO, hanya yako inoenderana nachiremba wekutanga (PCP) mudanho rehurongwa uyo anokuendesa kune nyanzvi sezvazvinodiwa. Kana iwe ukabuda kunze kwenetiweki kune chero chinhu kunze kwekuchengetedzwa kwekukurumidzira kana dialysis, pamwe haizofukidzwe. Izvo zvakakosha kuti uverenge uye uteedzere ese marongero emitemo.

Pyakatumirwa Provider Masangano (PPO). PPO zvirongwa zvine network zvevanachiremba uye zvivakwa zvinopa masevhisi akafukidzwa pasi pechirongwa chako. Iwe haudi kuendeswa kunoona nyanzvi, asi iwe unogona kunge uchiri kuda kuve nePCP yekugadzirisa kutarisira kwako. Kuchengeta kunze kweneti kunodhura kwakawanda.

Yakavanzika Mari-Ye-Service(PFFS). Uine PFFS, unogona kuenda kune chero chiremba-anotenderwa chiremba kana nzvimbo, asi ivo vanotaurirana yavo mitero. Haasi wese mupi anogamuchira aya marongero, saka tarisa kana vanachiremba vako vaunofarira vachitora chikamu usati wasarudza iyi sarudzo.

Yakakosha Zvidimbu Chirongwa (SNP). SNPs inowanikwa kune vanhu vanoda huwandu hwepamusoro hwekuchengetedza manejimendi pamwe nekubatana. Unogona kuve unokodzera SNP kana iwe:

• vane mamwe mamiriro ehutano, akadai sekupera kweiyo renal chirwere (ESRD), chirwere cheshuga, kana isingagumi moyo mamiriro
• inokodzera maMedare maviri neMedicaid (maviri anokodzera)
• gara mumusha unochengeterwa vakwegura

Medicare Advantage zvirongwa muNevada zvinopihwa neinotevera inishuwarenzi vanotakura:

• Aetna Medicare
• Kurongedza Hutano Hurongwa
• Allwell
• Nhetembo Bhuruu Muchinjikwa uye Bhuruu Shield
• Humana
• Imperial Inishuwarenzi Makambani, Inc.
• Lasso Utano
• Prominence Hutano Chirongwa
• SarudzaHutano
• Senior Care Plus
• UnitedHealthcare

Havasi vese vanotakura vanopa zvirongwa mumatunhu ese eNevada, saka sarudzo dzako dzinozosiyana zvichienderana nekodhi yako yeZIP.

Ndiani anokodzera Medicare muNevada?

Iwe unokodzera Medicare kana iwe uine makore makumi matanhatu nemashanu kana kupfuura uye mugari kana mugari wepamutemo weUnited States kwemakore mashanu apfuura kana kupfuura.

Kana iwe uri pasi pemakore makumi matanhatu nemashanu, unogona kukodzera kana iwe:

• vanogashira mabhenefiti kubva kuRailroad Retirement Board kana Social Security
• vane ESRD kana ndivo vanogamuchira itsvo kuisazve
• ndine amyotrophic lateral sclerosis (ALS)

Kuti uwane Medicare Chikamu A pasina mubhadharo wemwedzi wega, iwe kana mumwe wako munofanirwa kuzadzisa izvo zvinodiwa nekushanda mune basa uko kwamakabhadhara Medicare mutero kwegumi kana anopfuura makore.

Unogona kushandisa chishandiso cheMedicare pamhepo chinokodzera kuona kukodzera kwako.

Ndirini pandinganyorese muzvirongwa zveMedicare Nevada?

Chekutanga Medicare, Medicare Kubatsira, uye zvirongwa zveMedigap zvakaisa nguva apo iwe paunogona kunyoresa kana kuchinja zvirongwa uye kufukidza. Kana ukarasikirwa nenguva yekunyora, unogona kuzobhadhara chirango gare gare.

Yekutanga kunyoresa nguva (IEP)

Iwindo rekutanga rekunyoresa ndere paunosvitsa makore makumi matanhatu nemashanu. Unogona kunyoresa chero nguva mumwedzi mitatu pamberi, mwedzi wa, kana mwedzi mitatu mushure mekuzvarwa kwako makumi matanhatu nemashanu.

Kana iwe ukanyoresa pamberi pemwedzi wako wekuzvarwa, kufukidza kwako kunozotanga mwedzi waunosvitsa makore makumi matanhatu nemashanu. Kana iwe ukamirira kusvika kune rako rekuzvarwa mwedzi kana kuti gare gare, pachave nekunonoka kwemwedzi miviri kana mitatu pamberi pekuvhara kwatanga.

Munguva yeIEP yako unokwanisa kusaina zvikamu zveA, B, uye D.

Kazhinji kunyoresa nguva

Kana iwe wakarasikirwa neIEP yako uye uchida kusaina yekutanga Medicare kana kushandura sarudzo sarudzo, unogona kuita izvi panguva yekunyora yakawanda nguva. Iyo yakajairika kunyoresa nguva inoitika gore rega pakati Ndira 1 uye Kurume 31, asi kufukidzwa kwako hakuzotanga kusvika Chikunguru 1.

Iwe unokwanisa kusainira zvikamu A uye B kana kushandura kubva pakutanga Medicare kuenda kuMedicare Advantage panguva yakajairika yekunyora nguva.

Medicare Kubatsira kuvhura kunyoresa

Iwe unogona kuchinja kubva kune imwe Medicare Advantage chirongwa kuenda kune imwe kana kuchinjira kune yekutanga Medicare panguva yeMedicare Advantage yakavhurika kunyoreswa. Medicare Kubatsira kuvhurika kunyoresa kunoitika gore rega pakati Ndira 1 uye Kurume 31.

Vhura nguva yekunyora

Panguva yekunyoresa pachena, unogona kunyoresa muchikamu cheC Part C (Medicare Advantage) kekutanga kana kusaina chikamu cheD chikamu D kana iwe usina kuzviita panguva yeIEP.

Vhura kunyoresa kunoitika gore rega pakati Gumiguru 15 naDecember 7.

Nguva dzakakosha dzekunyora (SEPs)

SEPs dzinokutendera iwe kunyoresa kunze kwakajairwa kunyoresa nguva kune zvimwe zvikonzero, sekurasikirwa neanoshandira-anotsigirwa chirongwa, kana kubuda kunze kwako chirongwa chebasa nzvimbo. Nenzira iyi, haufanire kumirira kunyoresa kuvhurika.

Matipi ekunyoresa muMedare muNevada

Uine sarudzo dzakawanda dziripo, zvakakosha kuti utarise mari yehutano hwako uye zvaunoda gore rega rega kuti uone chirongwa chakanakira iwe.

Kana iwe uchitarisira yakakwira hutano hwekutarisira mutengo mune rinouya gore, iwe ungangoda iyo Medicare Advantage chirongwa saka mutengo unovharwa mushure mekusvika kunze-kwe-muhomwe max. Chirongwa cheMedigap chinogona kubatsira zvakare nemari yepamusoro yekurapa.

Zvimwe zvinhu zvekutarisa ndezvi:

• mwedzi wepayimari mutengo
• inobviswa, copays, uye coinsurance
• vanopa muurongwa network

Iwe unogona kudzokorora iyo CMS nyeredzi ratings kuti uone kuti zvakadii zvimwe zvirongwa zvinowanisa pahunhu uye kugutsikana kwemurwere.

Nevada Medicare zviwanikwa

Kuti uwane rumwe ruzivo nezve Medicare zvirongwa muNevada, svikira kune chero anotevera zviwanikwa.

• Hurumende Hutano Inishuwarenzi Chirongwa (SHIP): 800-307-4444
• SeniorRx yekubatsira kubhadhara mishonga yekunyorera: 866-303-6323
• Ruzivo nezveMedigap uye MA zvirongwa
• Medicare yekuwedzera chiyero chishandiso
• Medicare: fonera 800-MEDICARE (800-633-4227) kana enda kune Medicare.gov

Chii chandinofanira kuita zvinotevera?

Kuti uwane uye unyore muMedare muNevada:

• Sarudza zvido zvako zvehutano uye zvinogona kuve zvehutano zvegore rega rega kuti ugone kusarudza iyo chaiyo chirongwa, kusanganisira yekuwedzera kana Chikamu D kufukidzwa.
• Zvirongwa zvekutsvaga zvinowanikwa kubva kune vanotakura munzvimbo yako.
• Maka makarenda ako panguva chaiyo yekunyora kuitira kuti usazopotsa kusaina.

Chinyorwa ichi chakagadziridzwa munaNovember 13, 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.