Virginia Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Ndeapi maMedare Ekubatsira zvirongwa zviripo muVirginia?
• Ndiani anokodzera Medicare muVirginia?
• Ndirini pandinogona kunyoresa muMedicare Virginia zvirongwa?
• Matipi ekunyoresa muMedare muVirginia
• Virginia Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Medicare inopa inishuwarenzi yehutano kufukidza kweanopfuura mamirioni makumi matanhatu nemaviri emamerica, kusanganisira 1.5 miriyoni maVirginia. Iyi purogiramu yehurumende inovhara avo vanopfuura makore makumi matanhatu nemashanu ekuberekwa, uye vechidiki vechidiki vakaremara.

Muchikamu chino, tichaongorora kuti Medicare inoshanda sei, ndiani anokodzera, maitiro ekunyoresa, uye matipi ekutenga zvirongwa zveMedare muVirginia.

Chii chinonzi Medicare?

Kana iwe uchigara muVirginia, unogona kusarudza pakati pekutanga Medicare uye chirongwa cheMedicare Advantage. Ose ari maviri maMedare, asi anopa ako mabhenefiti munzira dzakasiyana.

Chekutanga Medicare inotungamirwa nehurumende, nepo Medicare Advantage zvirongwa zvinotengeswa nemakambani einishuwarenzi akazvimirira.

Original Medicare ine zvikamu zviviri:

• Chikamu A (inishuwarenzi yechipatara). Iwo masevhisi akafukidzirwa neChikamu A anosanganisira kurapwa kwevanorwara muzvipatara uye kwenguva pfupi-hunyanzvi hunyanzvi hwekuchengeta. Chikamu A chinopihwa mari neMitero yemitero, saka vanhu vazhinji havafanirwe kubhadhara mari yemwedzi yazvo.
• Chikamu B (inishuwarenzi yekurapa). Chikamu B chinofukidza zvinhu zvakaita sechiremba, kurapwa kwevarwere, uye mabasa ekudzivirira. Chikamu B mari inosiyana zvichienderana nemari yaunowana.

Yekutanga Medicare haibhadhare zana muzana yemari yebasa. Mushure mekusangana neinobvisirwa mari, ungangoda kubhadhara coinsurance kana makopi. Kana iwe uchida rubatsiro kubhadhara izvi zvinodhura, unogona kuwana Medicare yekuwedzera inishuwarenzi, inonziwo Medigap. Aya marongero anotengeswa nemakambani akazvimirira.

MuVirginia, iwe unogona zvakare kusainira kunyorerwa mishonga yemishonga. Zvirongwa izvi zvinozivikanwa seMedare Chikamu D, uye zvinopihwa nemakambani akazvimirira. Chirongwa chemushonga chinogona kukubatsira iwe kubhadharira zvese zvakajairika uye zita rezita mishonga yemishonga.

Medicare Kubatsira (Chikamu C) zvirongwa ndeimwe sarudzo muVirginia. Ivo vanopa ese Medicare zvikamu A uye B masevhisi, uye kazhinji Chikamu D, mune imwechete nyore chirongwa. Zvichienderana nechirongwa chaunosarudza, vanogona kuvhara mabhenefiti ekuwedzera, senge mazino, kunzwa, uye kuona kwekuona. Mamwe marongero eMedicare Anobatsira anotovhara nhengo dzekurovedza muviri uye zvimwe zvinobatsira.

Ndeapi maMedare Ekubatsira zvirongwa zviripo muVirginia?

Makambani mazhinji einishuwarenzi anopa zvirongwa zveMedicare Advantage muVirginia, kusanganisira zvinotevera:

• Aetna
• Nhetembo Bhuruu Muchinjikwa Bhuruu Shivhi
• Nhetembo UtanoVachengeti
• Humana
• Innovation Hutano
• Kaiser Permanente
• Optima
• UnitedHealthcare

Aya makambani anopa zvirongwa mumatare mazhinji muVirginia. Nekudaro, Medicare Advantage chirongwa chinopihwa chinosiyana nedunhu, saka pinda yako chaiyo ZIP kodhi kana uchitsvaga zvirongwa kwaunogara.

Ndiani anokodzera Medicare muVirginia?

Pane nzira shoma dzaungakwanise kuwana Medicare muVirginia, kusanganisira:

• Iwe une makore makumi matanhatu nemashanu kana kupfuura. Kana iwe uri mugari weU.S. kana mugari wechigarire anga ari munyika kweanopfuura makore mashanu, uchave unokodzera kana wasvitsa makore makumi matanhatu nemashanu.
• Ykana iwe uwane Inishuwarenzi Yekuremara Inishuwarenzi (SSDI). Kana iwe uine hurema uye unogamuchira SSDI, iwe unokodzera Medicare mushure memakore maviri-ekumirira nguva.
• Iwe une yekupedzisira nhanho renal chirwere (ESRD) kana amyotrophic lateral sclerosis (ALS). Iwe unokodzera Medicare chero zera kana iwe waonekwa uine ESRD kana ALS.

Ndirini pandinogona kunyoresa muMedicare Virginia zvirongwa?

Iwe unogona kungozvinyoresa wega muMedicare zvikamu A uye B kana iwe uri mune imwe yeanotevera mamiriro:

• Iwe uri mudiki pane zera makumi matanhatu nemashanu uye une hurema. Paunenge uchinge wagamuchira Yemagariro Kuchengetedzwa kwehurema kwemwedzi makumi maviri nemana, iwe unowana Medicare otomatiki.
• Uri kutendeuka zera makumi matanhatu nemashanu uye uwane Zvemagariro Chengetedzo. Kana iwe uri kutogashira Social Security pamudyandigere, yako Medicare kufukidza ichatanga otomatiki paunosvitsa makore makumi matanhatu nemashanu ekuberekwa.

Kana iwe usingawani Medicare otomatiki, unogona kusaina panguva yeimwe yenguva dzinotevera dzekunyora:

• Yekutanga Kunyoresa Nguva. Iyi mwedzi yemwedzi minomwe ndiyo mukana wako wekutanga wekutora Medicare kana uchinge wasvitsa makore makumi matanhatu nemashanu ekuberekwa. Inotanga mwedzi mitatu pamberi pemwedzi wekuzvarwa kwako makumi matanhatu nemashanu uye inopera mwedzi mitatu mushure memwedzi wako wekuzvarwa.
• Medicare Yakavhurika Kunyoresa Nguva. Pakati paGumiguru 15 naDecember 7 gore rega rega, unogona kushandura yako Medicare kufukidza. Panguva ino, unobvumidzwa kusaina chirongwa cheMedicare Advantage.
• Medicare Kubatsira Kuvhura Kunyoresa Nguva. Kubva muna Ndira 1 kusvika Kurume 31 gore rega rega, unogona kuchinjira kune rakasiyana chirongwa cheMedicare Advantage.

Kana iwe ukasangana nezvimwe zviitiko zvehupenyu, iwe unogona kukodzera iyo yakakosha kunyoresa nguva. Izvi zvinoreva kuti iwe unogona kusainira Medicare kunze kwenguva yekunyoresa yegore. Iwe unogona kuve neakakosha kunyoresa nguva kana iwe ukarasikirwa neako mushandirwi hutano hurongwa, semuenzaniso.

Matipi ekunyoresa muMedare muVirginia

Paunenge uchifunga pakati pekutanga Medicare uye Medicare Kubatsira, uye zvikamu zvakasiyana uye zvinowedzerwa, chengeta zvinhu izvi mupfungwa:

• CMS nyeredzi chiyero. Iwo maCentre eMedicare & Medicaid Services (CMS) anoshandisa shanu-nyeredzi mhando yepamusoro sisitimu yekubatsira iwe kuenzanisa iwo mhando yezvirongwa zveMedare. Zvirongwa zvakaverengerwa zvinokwana makumi mashanu neshanu zvinhu, zvinosanganisira kuchengetedza pamwe nekubata vatengi.
• Chiremba network. Kana iwe ukabatana nechirongwa cheMedicare Advantage, iwe kazhinji unofanirwa kuona vanachiremba muurongwa hwetiweki. Kana iwe uine chiremba chaunofarira, tsvaga kuti ndeapi marongero avanopinda nawo usati wasarudza zano rako.
• Ronga mutengo. Paunosaina chirongwa cheMedicare Advantage, ungangoda kubhadhara mari yepamwedzi pamusoro peiyo Medicare chikamu B premium. Zvimwe zvinodhura zvekutarisa zvinosanganisira zvakabviswa muhurongwa, kubhadharwa mari, uye mapayipi.
• Akavhara masevhisi. Medicare Advantage zvirongwa zvinogona kuvhara masevhisi ayo ekutanga Medicare asingaite, akadai mazino, kunzwa, kana kuona kuona. Kana paine mamwe masevhisi aunoziva iwe auchazoda, ita shuwa kuti chirongwa chako chinovafukidza.

Virginia Medicare zviwanikwa

Medicare chirongwa chakaomarara, saka usazeze kubvunza mibvunzo. Kuti udzidze zvakawanda, unogona kubata:

• Virginia Insurance Counselling & Rubatsiro Chirongwa: 800-552-3402
• Iyo Yemagariro Kuchengetedzwa Kwekutonga: 800-772-1213

Chii chandinofanira kuita zvinotevera?

Paunenge wagadzirira kutanga kutenga chirongwa cheMedare, unogona:

• Bata iyo Social Security Administration kuti usayine Medicare. Unogona kusarudza kunyorera online, uri munhu, kana pamusoro pefoni.
• Shanyira Medicare.gov kuti uwane zvirongwa zveMedare muVirginia.
• Bata iyo Virginia Insurance Counselling & Rubatsiro Chirongwa kana iwe uchida rubatsiro kuenzanisa sarudzo dzeMedare.

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.