Vermont Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Ndeapi marongedzero eMedicare anowanikwa muVermont?
• Ndiani anokodzera Medicare muVermont?
• Ndingaite rini kunyoresa muMedicare Vermont zvirongwa?
• Matipi ekunyoresa muMedare muVermont
• Vermont Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Kana iwe uchigara muVermont uye uchikodzera kunyoresa muMedare, kana kana iwe uchizokwanisa kuve unokodzera, kutora nguva kuti unzwisise zvizere sarudzo dzako dzekuvhara dzinogona kukubatsira iwe kusarudza yakanakisa kufukidzwa kwezvaunoda.

Medicare chirongwa chinotsigirwa nehurumende cheinishuwarenzi chehutano chevanhu vane makore makumi matanhatu nemashanu kana kupfuura uye avo vane hurema.Pane zvikamu zveMedare iwe unogona kuwana zvakananga kubva kuhurumende uye zvakare zvikamu zvaunogona kutenga kubva kumakambani einishuwarenzi akazvimirira kuti uwedzere kana kutsiva iko kufukidzwa.

Verenga pamusoro kuti udzidze zvakawanda nezve Medicare uye yako yekuvhara sarudzo.

Chii chinonzi Medicare?

Medicare inoumbwa nezvikamu zvakasiyana. Zvikamu A uye B ndizvo zvikamu zvaunogona kuwana kubva kuhurumende. Pamwe chete, ivo vanogadzira izvo zvinozivikanwa seyakatanga Medicare:

• Chikamu A inishuwarenzi yechipatara. Izvo zvinobatsira kubhadhara iyo mari yekuchengetwa kwevanorwara iwe yaunowana muchipatara, kuchengetwa kwevanorapa varwere, kuchengetwa kushoma kune avo vane hunyanzvi nzvimbo yekuyamwisa, uye mamwe mashoma mabasa ehutano epamba
• Chikamu B chinobatsira kubhadhara kurapwa kwevarwere vekunze, senge masevhisi uye izvo zvaunowana kana iwe uchienda kuhofisi yechiremba, kusanganisira kuchengetedzwa kwekudzivirira.

Kana iwe kana mumwe wako mukashanda kwemakore gumi, mungangodaro musingafanirwe kubhadhara mari yechikamu A. Izvi zvinodaro nekuti pamwe makatobhadhara icho kuburikidza nemutero wemubhadharo. Iyo premium yaunobhadhara yechikamu B inoenderana nezvinhu zvakaita semari yako.

Yekutanga Medicare inobhadhara yakawanda, asi kune maburi mukuvhara. Iwe uchiri kufanira kubhadhara kunze-kwehomwe mari kana iwe uchienda kuchipatara kana kunoona chiremba. Uye hapana kufukidzwa zvachose pazvinhu zvakaita semazino, kuona, kuchengetedza kwenguva refu, kana mishonga yemishonga. Kana iwe uchida kuwedzerwa kufukidzwa, unogona kutenga zvirongwa kubva kune vega mainishuwarenzi izvo zvinogona zvakanyanya kuwedzera yako kufukidza.

Medicare yekuwedzera zvirongwa ndizvo zvirongwa zvaunogona kutenga kuti ubatsire kuvhara izvo zvipenga mukuvhara. Aya dzimwe nguva anonzi zvirongwa zveMedigap. Ivo vanogona kubatsira kudzikisira mutengo wecopays uye coinsurance, uye inogona zvakare kupa kufukidzwa kwemazino, chiratidzo, kana kwenguva refu yekuchengetedza masevhisi.

Chikamu D zvirongwa zvinonyatso batsira kubhadhara mutengo wemishonga yekunyorera.

Medicare Advantage (Chikamu C) zvirongwa zvinopa imwe "mu-imwe" imwe nzira yekuwana zvikamu A neB kubva kuhurumende, pamwe nekuwedzeredza kufukidza kuburikidza nevanozvimiririra.

Medicare Advantage zvirongwa zvinotsiva zvizere maMedare ekutanga. Mutemo weFederal unoda kuti vafukidze ese akafanana masevhisi seyekutanga Medicare. Ivo zvakare vane yekuwedzera kufukidza, senge izvo iwe zvaungawana kubva kune zvinowedzera uye Chikamu Chikamu D zvirongwa, zvakavakirwa muzvirongwa zvakasiyana. Medicare Kubatsira zvirongwa kazhinji kunopawo zvinowedzerwa zvakadai sehutano uye zvirongwa zvehutano, uye nhengo dzemitengo.

Ndeapi marongedzero eMedicare anowanikwa muVermont?

Kana chirongwa cheMedicare Chakanakira chichiita kunge chingave chakakodzera iwe, anotevera makambani einishuwarenzi akazvimirira anopa izvi zvirongwa muVermont:

• MVP Hutano Kutarisira
• UnitedHealthcare
• Vermont Bhuruu Kubatsira
• WellCare

Medicare Inobatsira chirongwa chinopihwa chinosiyana nedunhu, saka pinda yako chaiyo ZIP kodhi kana uchitsvaga zvirongwa kwaunogara.

Ndiani anokodzera Medicare muVermont?

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)

Ndingaite rini kunyoresa muMedicare Vermont zvirongwa?

Kana yako Medicare kukodzera kuri kuvimba nezera, yako yekutanga kunyoresa nguva inotanga mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu uye inoenderera kwemwedzi mitatu mushure. Munguva ino, zvinowanzoita zvine musoro kunyoresa muchikamu chidiki A.

Kana iwe kana mumwe wako mukaramba muchikwanisa kupihwa mari nehutano-inotsigirwa nemushandirwi, unogona kusarudza kuivhara uye usanyore kuChikamu B kana chero Medicare yekuwedzera kufukidza izvozvi. Kana zvirizvo, iwe unokodzera iyo yakakosha kunyoresa nguva gare gare.

Iko kune zvakare yakavhurika kunyoresa nguva gore rega, panguva iyo iwe yaunogona kunyoresa kekutanga nguva kana kushandura zvirongwa. Iyo yegore kunyoresa nguva yekutanga Medicare ndiGumiguru 1 kusvika Zvita 7, uye yakavhurika kunyoreswa nguva yeMedicare Advantage zvirongwa ndiNdira 1 kusvika Kurume 31.

Matipi ekunyoresa muMedare muVermont

Kana zvasvika pakunyoresa muzvirongwa zveMedicare muVermont, iwe uchazoda kunyatso tarisa yakawanda yezvinhu zvakafanana zvaungabvunza kana uchinyoresa chero chirongwa chehutano:

• Chii chinonzi mutengo chimiro? Maprimiyamu akakwira zvakadii? Uye chii chikamu chako chemutengo kana iwe ukaona chiremba kana kuzadza mushonga?
  • Ndeupi rudzi rwehurongwa? Medicare Advantage mapurani anodikanwa kuti afukidze ese mabhenefiti akafanana neyekutanga Medicare asi ave nekuchinjika muchirongwa dhizaini. Mamwe marongero anogona kunge ari Health Maintenance Organisation (HMO) marongero anoda kuti iwe usarudze wekutanga wekutarisira mupi uye uwane kutumira kune kwakakosha kutarisirwa. Vamwe vanogona kuve Vanosarudzwa Vanopa Sangano (PPO) zvirongwa zvinokupa mukana kune vehunyanzvi vehunyanzvi pasina kutumirwa.
• Inopa network inokodzera zvaunoda here? Inosanganisira here vanachiremba nezvipatara zvakakunakira? Ko zvakadii nezvevanopa rubatsiro iwe watove nehukama navo uye ungangoda kuramba uchiona zvekutarisirwa?

Vermont Medicare zviwanikwa

Izvi zvinotevera zviwanikwa zvinogona kubatsira kana iwe uchida kudzidza zvakawanda nezve yako Medicare sarudzo muVermont:

• Central Vermont Kanzuru nezve Kukwegura. Fonera Mukuru Werubatsiro pa 800-642-5119 nemibvunzo kana kuwana rubatsiro pakunyoresa muMedare zvirongwa muVermont.
• Medicare.gov
• Zvekuchengetedzwa Kwemagariro

Chii chandinofanira kuita zvinotevera?

Paunenge wagadzirira kufambira mberi nekunyoresa muMedare muVermont, funga nhanho idzi:

• Ita imwezve tsvakiridzo mune yako yega sarudzo sarudzo. Rondedzero iri pamusoro inzvimbo huru yekutanga kutsvaga zvirongwa zveMedare muVermont. Iwe unogona zvakare kufonera iyo Vermont Council paAging's Senior Helpline pa800-624-5119 kune wega kubvunza pane yako Medicare chirongwa sarudzo.
• Unogona kufunga nezvekushanda nemumiririri ane hunyanzvi mukutengesa zvirongwa zveMedare muVermont uye anogona kukuraira pane zvaungasarudze zvekuvhara.
• Kana iwe parizvino uri panguva yekunyora, zadza online online Medicare application paSocial Security Administration webhusaiti. Iko kunyorera kunotora zvishoma semaminetsi gumi uye hakudi chero magwaro ekupedzisa.

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 haifambise bhizinesi reinishuwarenzi mune chero nzira uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.