North Dakota Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Zvikamu A uye B
• Chikamu C
• Chikamu D
• Medigap
• Ndeapi marongedzero eMedicare anowanikwa muNorth Dakota?
• Ndiani anokodzera Medicare muNorth Dakota?
• Ndirini pandinogona kunyoresa muMedare North Dakota?
• Kutanga kunyoresa (mwedzi minomwe kutenderedza 65th yako yekuzvarwa)
• Kunyoresa zvakajairika (Ndira 1 kusvika Kurume 31) uye kunyoresa kwegore (Gumiguru 15 kusvika Zvita 7)
• Kunyorwa kwakakosha
• Matipi ekunyoresa muMedare muNorth Dakota
• Medicare zviwanikwa muNorth Dakota
• Chii chandinofanira kuita zvinotevera?

Medicare chirongwa cheinishuwarenzi chehutano chinotsigirwa nehurumende chinowanikwa muNorth Dakota kune vanhu vane makore makumi matanhatu nemashanu zvichikwira kana avo vane mamwe mamiriro ehutano kana hurema.

Kubva pakutanga Medicare kusvika kufukidza zvinodhaka uye zvirongwa zveAdvantage muNorth Dakota, Medicare ine huwandu hwezvirongwa uye sarudzo dzekuvhara kuti zvienderane nebhajeti rako uye nehutano hwako zvaunoda.

Chii chinonzi Medicare?

Paunenge uchitarisa zvaunogona kusarudza pakuronga kweMedare muNorth Dakota, iwe unofanirwa kutanga wasarudza padanho rekuvhara raunoda.

Zvikamu A uye B

Chekutanga Medicare inoronga muNorth Dakota inopa hurumende-inobhadharwa mari inishuwarenzi yehutano kuchipatara nekurapwa. Chekutanga Medicare inogona kukamurwa kuita Chikamu A (inishuwarenzi yechipatara) uye Chikamu B (inishuwarenzi yekurapa).

Yekutanga Medicare kufukidza inosanganisira:

• inpatient uye outpatient chipatara kuchengetwa
• bvunzo dzepanyama dzegore negore
• lab miedzo
• kushomeka, chikamu-chenguva-yenguva imba yehutano
• yakashomeka, pfupi-kwenguva pfupi hunyanzvi huremu hwekuchengeta
• amburenzi mabasa
• hutano hwepfungwa

Vazhinji vanhu vanonyoreswa muChikamu A pavanosvitsa makore makumi matanhatu nemashanu ekuberekwa.

Chikamu C

Medicare Advantage (Chikamu C) inoronga muNorth Dakota inopihwa neyavo veinishuwarenzi vanotakura, uye ivo vanopa yakawandisa yehutano hwekuvhara kupfuura yekutanga Medicare.

Kubatsira kuronga kufukidza kunosanganisira:

• zvese zvekutanga Medicare inovhara
• kufukidzwa kwemishonga kune yakatarwa rondedzero yemishonga
• sarudzo yekusarudzika yemamwe masevhisi akadai mazino, kunzwa, kana kuona

Chikamu D

Kunyorerwa mishonga yemishonga kunopihwa neyakavanzika vehutano inishuwarenzi vanotakura seChikamu D kuronga. Iwe unogona kuwedzera chikamu Chikamu D kune yako yekutanga Medicare North Dakota chirongwa cherubatsiro kufukidza mutengo wemishonga yako.

Zano rega rega rine yakasarudzika rondedzero yemishonga yakafukidzwa, inozivikanwa seye formulary. Nekudaro, kana uchienzanisa zvirongwa zveChikamu D, tarisa runyorwa uchipesana nemitemo yauri kutora kuti uve nechokwadi chekuti dzakabatanidzwa.

Medigap

Medicare yekuwedzera (Medigap) zvirongwa muNorth Dakota zvinopihwa neyakavanzika vatakuri veinishuwarenzi, uye vanovhara kunze-kwehomwe kudhura senge copays uye coinsurance iyo yekutanga Medicare inoronga isingaite.

Iwe haugone kutenga ese maviri Chikamu C uye Medigap. Iwe unofanirwa kunyoreswa mune yekutanga Medicare uye unogona kusarudza chero Chikamu C kana Medigap.

Ndeapi marongedzero eMedicare anowanikwa muNorth Dakota?

Medicare Advantage zvirongwa muNorth Dakota zvese zvinopihwa neyakavanzika vatakuri veinishuwarenzi. Mutakuri wega wega anopa akasiyana einishuwarenzi zvirongwa neakasiyana maficha ekuvhara uye premium mitengo.

Vanopa uye zvirongwa zvinosiyana nedunhu, saka kana uchitsvaga zvirongwa zveMedicare Advantage muNorth Dakota, ita shuwa kuti uri kutarisa chete pane anowanikwa mune yako ZIP kodhi nedunhu.

Vatakuri vakanyorwa pazasi vanopa Medicare-inogamuchirwa Chikamu C inoronga kuvagari veNorth Dakota:

• Aetna
• HutanoPartners
• Humana
• Lasso Utano
• Medica
• InoteveraBlue yeNorth Dakota
• UnitedHealthcare

Ndiani anokodzera Medicare muNorth Dakota?

Iwe unofanirwa kusangana chete mashoma emitengo yekufanirwa yezvirongwa zveMedare muNorth Dakota:

• Unofanira kunge uine makore makumi matanhatu nemashanu zvichikwira
• iwe unofanirwa kuve mugari weUS kana mugari wechigarire weUnited States

Iwe uri pasi pemakore makumi matanhatu nemashanu here? Iwe unogona kunge uchiri kukodzera kuMedare kana:

• une hurema
• wanga uchiwana mibairo yekuremara kubva kuSocial Security kwemwedzi makumi maviri nemana kana kudarika
• une chirwere chisingaperi senge magumo renal chirwere (ESRD) kana amyotrophic lateral sclerosis (ALS)

Ndirini pandinogona kunyoresa muMedare North Dakota?

Iwe unenge uine mikana yakati wandei yekunyoresa muMedare kana kushandura kufukidzwa kwako. Izvo zvakakosha kuti utarise misi kuti usarasikirwe nemukana wekuita chero shanduko iwe yaunoda.

Kutanga kunyoresa (mwedzi minomwe kutenderedza 65th yako yekuzvarwa)

Wako wekutanga mukana wekunyoresa muMedare zvirongwa muNorth Dakota i7-mwedzi hwindo kutenderedza 65 yako yekuzvarwa. Iwe unogona kutanga maitiro ekunyoresa mwedzi mitatu zuva rako rekuzvarwa risati rasvika. Inoenderera mukati memwedzi wako wekuzvarwa uye kwemwedzi mitatu mushure mekuzvarwa kwako.

Iyi nguva yekutanga yekunyora inogona kutanga otomatiki neSocial Security Administration, asi iwe unenge uchiri kuda kusarudza kana iwe uchida kunyoresa muchirongwa chemushonga kana chirongwa cheAdvantage.

Kunyoresa zvakajairika (Ndira 1 kusvika Kurume 31) uye kunyoresa kwegore (Gumiguru 15 kusvika Zvita 7)

Mushure mekunyoresa muMedare, iwe unenge uine mikana miviri pagore yekuongororazve yako yazvino kufukidza, kuita shanduko kuzvirongwa zvako, chinja kune Advantage chirongwa, kana kusiya chirongwa cheAdvantage uye dzokera kune yekutanga Medicare North Dakota.

Munguva yekunyora yakawanda kubva muna Ndira 1 kusvika Kurume 31 uye iyo yakavhurika kunyoresa nguva kubva Gumiguru 15 kusvika Zvita 7, unogona kuita shanduko kune yako yekuvhara. Ziva kuti Medicare Advantage yakavhurika kunyoresa kunoitika kubva muna Ndira 1 kusvika Kurume 31.

Kunyorwa kwakakosha

Wakambotamira kudunhu nyowani kana kusiya basa rako? Iwe unogona kuita shanduko kune yako yazvino kufukidzwa kana kunyoresa muMedicare zvirongwa muNorth Dakota panguva yakakosha yekunyoresa nguva. Mimwe mamiriro ezvinhu anozoguma mune yakatarwa nguva yekunyora inosanganisira:

• kufambira kunze kwehuwandu hwenhepfenyuro yako yazvino
• kuenda kunzvimbo yekuchengetedza kwenguva refu
• kujoina chirongwa cheChirongwa cheZvose-chinosanganisira Kuchengeta Vakwegura (PACE) chirongwa
• kurasikirwa neavashandirwi-anotsigirwa nehutano hwekuvhara
• kunyoresa muvashandi-vanotsigirwa nezvehutano hwekuvhara

Matipi ekunyoresa muMedare muNorth Dakota

Uine sarudzo dzakawanda dzekuvhara - uye zvese zvirongwa zvehurumende uye zvakavanzika zvekusarudza kubva - zvinotora nguva kuyera zvaunogona kuita, enzanisa zvirongwa, uye uwane imwe inoenzanisa zvido zvehutano hwako uye bhajeti rako razvino. Heano mamwe matanho aunogona kutevera:

1. Tanga kutsvaga kwako uchishandisa yako ZIP kodhi kana uchitsvaga mapiritsi emishonga kana Medicare Advantage zvirongwa muNorth Dakota. Nenzira iyi, haungatambise nguva yako uchiverenga zvakadhindwa zvakadhindwa zvezvirongwa zvisina kana kupihwa mudunhu rako.
2. Tevere, dana hofisi yechiremba wako. Vazhinji varapi vanogamuchira yekutanga Medicare kufukidzwa asi vanoshanda nevashoma chete vashoma vega veinishuwarenzi vanopa. Tsvaga kuti ndevapi vatakuri vavanogamuchira.
3. Chechitatu, nyora rondedzero izere yemushonga wako uye nepamusoro-pe-mishonga. Kana iwe uri kufunga nezve Chikamu C (Medicare Advantage) kana Chikamu Chikamu D chirongwa, tarisa runyorwa urwu maringe nerondedzero yemishonga inovharwa nehurongwa hwese.
4. Parizvino, iwe unofanirwa kuve uine pfupi runyorwa rwezvirongwa zvekusarudza kubva. Tsvaga kuti ndeapi marongero enhengo akafunga nezve chirongwa chega chega nekutarisa nyeredzi yayo. Muhurongwa hwekuyera nyeredzi, nhengo dzinoyera chirongwa chavo pachiyero che1 kusvika ku5, zvinoenderana nekugutsikana kwavakaita mugore rapfuura. Iyi sisitimu inoratidzira zvirongwa zvinoenderana nehurongwa hwekupindura, zvichemo zvevamiririri, uye basa revatengi, pakati pezvimwe zvikamu. Vavarira kusarudza chirongwa chine chiyero-chenyeredzi ina kana kupfuura, kana zvichibvira.

Medicare zviwanikwa muNorth Dakota

Kana iwe uchida kuwana zvimwe zviwanikwa nezvehurongwa hweMedare muNorth Dakota, unogona kubata ako emunharaunda masangano chero nguva. Izvi ndizvo zvekuchengetedza mupfungwa:

• Iyo State Health Insurance Counselling (SHIC) chirongwa. Iyo SHIC chirongwa chinokupa iwe yemahara kurairwa nezve Medicare kana imwe hutano inishuwarenzi yekuvhara. Unogona kufonera SHIC pa888-575-6611.
• Dhipatimendi reVakuru uye Sevhisi Services. Bata Vakwegura uye Vakwegura Services (855-462-5465) kuti uwane zvimwe nezve kubatsirwa kurarama, kuchengetwa kwemusha, uye kutarisirwa kwenguva refu.
• North Dakota Senior Medicare Patrol. Iyo Medicare Patrol inoona uye inodzivirira Medicare kubiridzira uye kushungurudzwa kuburikidza nekusvitsa, dzidzo, uye kuraira. Unogona kusvika Medicare Patrol pa800-233-1737.

Chii chandinofanira kuita zvinotevera?

Kana iwe uchisvika pamakore makumi matanhatu nemashanu kana kuti wave kuda kuenda pamudyandigere, enzanisa zvirongwa zveMedare muNorth Dakota kuti uwane iyo inonyatso kusangana nehutano hwako uye bhajeti zvido. Rangarira ku:

• Sarudza padanho rekuchengetwa kwehutano iwe hwaungade kuva nahwo. Iwe unogona kusarudza kubva pakati pekutanga Medicare, yakawedzera Chikamu D chinodhaka chirongwa, kana chirongwa cheMedicare Advantage muNorth Dakota kuti uwane huwandu hwakazara.
• Dzikisa kutsva kwako uchishandisa matanho ari pamusoro uye sarudza pane ako epamusoro marongero.
• Bata Medicare, mutakuri wezano, kana chipangamazano weko SHIC wezano kuti uwane mazano pazvirongwa kana kutanga maitiro ekunyoresa kana iwe wafunga nezvehurongwa.

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.