Oregon Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Medicare yekuwedzera zvirongwa
• Chirongwa chemishonga yemishonga
• Medicare Kubatsira (Chikamu C) zvirongwa
• Ndeapi maMedare Ekubatsira marongero anowanikwa muOregon?
• Ndiani anokodzera Medicare muOregon?
• Ndirini pandinogona kunyoresa muMedare Oregon zvirongwa?
• Matipi ekunyoresa muMedare muOregon
• Medicare Oregon zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Kunyangwe iwe uri kutenga zvirongwa zveMedicare muOregon kekutanga kana uri kufunga nezvekuchinja yako yazvino Medicare kufukidza, zvakakosha kuti utange unzwisisa zvese zvaunogona kuita.

Verenga pamusoro kuti udzidze nezve akasiyana zvirongwa zveMedare zvinowanika muOregon, nguva dzekunyora, uye nezvimwe.

Chii chinonzi Medicare?

Medicare chirongwa cheinishuwarenzi chehutano chenyika chinotungamirwa nehurumende yemubatanidzwa. Inowanikwa kune vanhu vane makore makumi matanhatu nemashanu zvichikwira, pamwe neavo vezera ripi zvaro vane hurema kana hutano mamiriro.

Zvikamu A uye B zvinoumba iyo yekutanga Medicare yaunogona kuwana kubva kuhurumende. Kwemakore, chirongwa chekutanga cheMedare chakawedzera kuisa zvirongwa zvaunogona kutenga kubva kune vega veinishuwarenzi. Aya marongero anogona kuwedzera kana kutsiva kufukidza iwe kwaunowana pasi pekutanga Medicare.

Chikamu A inishuwarenzi yechipatara. Inobatsira kubhadhara mutengo we:

• inpatient hutano hwekuchengetedza mabasa iwe unopinda muchipatara
• kugara kwakaganhurirwa munzvimbo ine hunyanzvi yevanamukoti
• kutarisira varwere
• mamwe mashoma mabasa ehutano epamba

Kana iwe kana mumwe wako akabhadhara Medicare mutero wemubhadharo mukati memakore ako ekushanda, haufanire kubhadhara mari yechikamu A.

Chikamu B chinobatsira kubhadhara mari yekuchengetwa kwevarwere, zvakadai semasevhisi kana zvinhu zvaunogashira kubva kuna chiremba wako wekutanga kana nyanzvi, kusanganisira kuchengetedza kwekudzivirira. Iwe unobhadhara mubhadharo weChikamu B. Mari iyoyo inoenderana nezvinhu zvakasiyana, kusanganisira waunowana.

Zvikamu A uye B zvinofukidza akawanda masevhisi, asi pane zvakawanda izvo zvekutanga Medicare isingavhare. Iko hakuna kufukidzwa kwemishonga yekunyorera, kurapwa kwenguva refu, kana mazino, kuona, kana kunzwa mabasa.

Kunyangwe nemasevhisi Medicare anobhadhara, kufukidza haisi 100 muzana. Iwe unenge uchiri kubhadhara mari yakakosha kubva muhomwe kana iwe ukaona chiremba, senge copays, coinsurance, uye zvakabviswa.

Iwe unogona kuwedzera kufukidza kwako nekutenga zvirongwa zvinopihwa kuburikidza neyakavanzika mainishuwarenzi. Izvi zvinosanganisira Medicare yekuwedzera, inonyorwa mushonga, uye Medicare Advantage zvirongwa.

Medicare yekuwedzera zvirongwa

Medicare yekuwedzera zvirongwa, dzimwe nguva zvinonzi Medigap, wedzera kufukidza kune yako yekutanga Medicare. Vanogona kubatsira kudzikisa mari yaunobhadhara muhomwe kana iwe uchitsvaga kutarisirwa. Vanogona zvakare kuwedzera mazino, chiratidzo, kutarisirwa kwenguva refu, kana kumwe kufukidzwa.

Chirongwa chemishonga yemishonga

Chikamu cheD zvirongwa. Vanotarisa chete pakubatsira kubhadharira mitengo yemishonga.

Medicare Kubatsira (Chikamu C) zvirongwa

Medicare Advantage (Chikamu C) zvirongwa zvinopa chinongedzo che "zvese-mu-mumwe" kune yekutanga Medicare pamwe neyekuwedzera kufukidza. Panzvimbo pekuva nemubatanidzwa wezvirongwa zveveruzhinji uye zvakavanzika, unogona kuwana chirongwa cheMedicare Advantage icho chinosanganisira yakazara seti yemabhenefiti, kusanganisira kufukidzwa kwemishonga yekurapa, kuona uye mazino, kuchengetedza kwenguva refu, kunzwa, nezvimwe.

Uyezve, zvirongwa zveMedare zvinobatsira zvinowanzo sanganisira yakawanda yekuwedzera, yakadai sekudzikisira uye hutano uye zvirongwa zvehutano.

Ndeapi maMedare Ekubatsira marongero anowanikwa muOregon?

Aya anotevera makambani einishuwarenzi akazvimirira anopa Medicare Advantage zvirongwa muOregon:

• Aetna Medicare
• Atrio Hutano Zvirongwa
• Hutano Net
• Humana
• Kaiser Permanente
• Lasso Utano
• Moda Hutano Chirongwa, Inc.
• PacificSource Medicare
• Providence Medicare Kubatsira Zvirongwa
• Regence Bhuruu Yakayambuka BlueShield yeOregon
• UnitedHealthcare

Zvirongwa zvekupa zvinosiyana nedunhu, saka sarudzo dzako dzinoenderana nezvinowanikwa mudunhu raunogara.

Ndiani anokodzera Medicare muOregon?

Kukodzera kweMedare kunoenderana nezera rako kana chinzvimbo chehutano. Iwe unokodzera kunyoresa kana uri:

• ane makore makumi matanhatu nemashanu kana kupfuura
• vadiki pane zera makumi matanhatu nemashanu uye vane hurema hunokodzera
• chero zera uye ane magumo enhanho renal chirwere (ESRD) kana amyotrophic lateral sclerosis (ALS)

Ndirini pandinogona kunyoresa muMedare Oregon zvirongwa?

Kana kukodzera kwako kweMedare kuri kwezera-based, unogona kutanga maitiro ekunyoresa mwedzi mitatu mwedzi usati wasvika makore makumi matanhatu nemashanu ekuberekwa kwako. Ino ndiyo nguva yako yekutanga yekunyora. Izvo zvinogara kwemwedzi mitatu mushure memwedzi umo iwe unosvitsa makore makumi matanhatu nemashanu ekuberekwa.

Zvinowanzoita zvine musoro kunyoresa mune angangoita Chikamu A panguva yekutanga kunyoresa, nekuti iwe unokodzera kuwana Chikamu A mabhenefiti pasina kubhadhara mari yepamberi.

Kana iwe kana mumwe wako mukasarudza kuenderera mberi muchishanda uye muchiramba muchikodzera kupihwa mari nevashandirwi, ungangoda kurega kunyoresa muChikamu B kana chero chinongedzo chekuwedzera. Mumamiriro ezvinhu akadaro, iwe unokodzera iyo yakakosha kunyoresa nguva gare gare.

Iwe unogona kuita shanduko kune iripo huripo chirongwa cheMedare kana kunyoresa kekutanga muMedare panguva yakavhurika yekunyora nguva kubva muna Gumiguru kusvika Zvita 7.

Kune zvakare Medicare Advantage yakavhurika kunyoresa nguva gore rega. Panguva ino, unogona kushandura kufukidza kubva kune yekutanga Medicare kuenda kuchirongwa cheMedicare Advantage. Iyo yakavhurika kunyoresa nguva yeMedicare Advantage zvirongwa zvinobva muna Ndira 1 kusvika Kurume 31.

Matipi ekunyoresa muMedare muOregon

Kana uchitenga zvirongwa zveMedicare muOregon, iwe uchazoda kuziva kuti makambani einishuwarenzi akazvimirira ane zvakawanda zvinoshanduka, kuti vagone kuronga zvirongwa zvavo nenzira dzakasiyana.

Semuenzaniso, mamwe marongero eMedicare Advantage anogona kunge ari marongero ehutano Hutano (HMO), zvinoda kuti iwe usarudze chiremba wekutanga anotarisira kuchengetwa kwako uye anofanira kukupa kutumira kana uchida kuona nyanzvi.

Vamwe vanogona kuve Vanosarudzwa Vanopa Sangano (PPO) marongero anokupa iwe mukana kune vanopa netiweki ehunyanzvi hwese pasina kudikanwa kwekutumirwa.

Nderupi rwurongwa runonzwisisika kwauri? Izvo zvinoenderana nemamiriro ako ega uye zvaunofarira. Ungangoda kufunga iyi inotevera mibvunzo kana uchiyera zvaunogona kuita:

• Mari yakawanda zvakadii iri kuda kundibhadharira? Mari yemaprimiyamu yakawanda zvakadii? Pane zviripo-zve-muhomwe zvinodhura pandinoona chiremba kana kuzadza mushonga?
• Ndichakwanisa here kuwana vanachiremba nezvipatara zvakandinakira? Iyo network inosanganisa vanopa ini ini ndatova nehukama navo? Ndichavharwa here kana ndichida kuchengetwa ndiri kufamba?
• Ndedzipi mhando dzezvirongwa zvinosanganisirwa? Zvirongwa izvi zvaizondibatsira here?

Medicare Oregon zviwanikwa

Izvi zviwanikwa zvinogona kubatsira kana iwe uchida kudzidza zvakawanda nezveMedare zvirongwa muOregon:

• Senior Health Insurance Inobatsira Rubatsiro, kuburikidza neOregonHealthCare.gov
• Medicare.gov, iyo yepamutemo Medicare webhusaiti
• Zvekuchengetedzwa Kwemagariro

Chii chandinofanira kuita zvinotevera?

Paunenge wagadzirira kutora nhanho inotevera yekunyoresa muMedare, funga zviito izvi:

• Ita imwezve tsvakiridzo mune yako yega sarudzo sarudzo. Rondedzero iri pamusoro inogona kuve nzvimbo yekutanga yekutarisa mukati meMedicare Advantage zvirongwa muOregon. Zvinogona zvakare kubatsira kubatana nemumiriri weinishuwarenzi uyo anogona kupa yakawanda yakatarisana nhungamiro.
• Kana iwe parizvino uchikodzera kunyoresa, unogona kutanga maitiro nekuzadza online application pane iyo SSA webhusaiti. Iyo saiti inotobatanidza yekutarisa iyo inonongedza iyo ruzivo iwe yauchazoda kuisa.

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.