Shirye-shiryen Indiana Medicare a cikin 2021

Wadatacce

• Menene Medicare?
• Sashin Kiwon Lafiya A
• Sashin Kiwon Lafiya na B
• Sashe na C (Amfani da Kulawa)
• Sashin Kiwon Lafiya na D
• Inshorar ƙarin inshora (Medigap)
• Waɗanne tsare-tsaren Amfani da Medicare suke samuwa a cikin Indiana?
• Wanene ya cancanci Medicare a Indiana?
• Yaushe zan iya yin rajista a cikin shirin Medicare Indiana?
• Lokacin yin rajista na farko
• Janar rajista: Janairu 1 zuwa Maris 31
• Amfani da Medicare Anbude rijista: Janairu 1 zuwa Maris 31
• 1 bude Oktoba zuwa 31 ga Disamba
• Lokacin yin rajista na musamman
• Nasihu don yin rajista a Medicare a Indiana
• Indiana Medicare albarkatun
• Me zan yi a gaba?

Medicare shiri ne na inshorar lafiya ta tarayya wanda za'a samar wa mutane masu shekaru 65 ko sama da hakan, haka kuma ga waɗanda ke ƙasa da shekaru 65 waɗanda ke da wasu mawuyacin yanayi na rashin lafiya ko naƙasa.

Menene Medicare?

Shirye-shiryen Medicare a Indiana suna da sassa huɗu:

• Kashi na A, wanda shine kulawar asibiti
• Kashi na B, wanda shine kulawar marasa lafiya
• Sashe na C, wanda aka fi sani da Amfani da Medicare
• Kashi na D, wanda shine kewayawar magani

Lokacin da ka cika shekaru 65, za ka iya yin rijistar asalin Medicare (Sashi na A da Sashi na B).

Sashin Kiwon Lafiya A

Yawancin mutane sun cancanci samun ɗaukar hoto na A ba tare da ƙimar kowane wata ba. Idan baku cancanta ba, zaku iya siyan ɗaukar hoto.

Sashe na A ya haɗa da:

• ɗaukar hoto lokacin da aka shigar da kai asibiti don kulawa na ɗan gajeren lokaci
• iyakantaccen ɗaukar hoto don ƙwararrun mahimman kayan aikin kulawa da jinya
• wasu ayyukan kiwon lafiya na gida-lokaci
• hospice

Sashin Kiwon Lafiya na B

Sashe na B ya haɗa da:

• ziyarar likitoci
• kariya da bincike
• hoto da gwaje-gwajen gwaje-gwaje
• kayan aikin likita masu dorewa
• magunguna da sabis na marasa lafiya

Bayan sanya hannu don asali na asali, zaku iya yanke shawara ko kuna son shirin Amfani da Medicare (Sashe na C) ko shirin Medigap, da kuma ɗaukar maganin magani.

Sashe na C (Amfani da Kulawa)

Masu jigilar inshora masu zaman kansu suna ba da shirye-shiryen Amfani na Medicare a cikin Indiana wanda ke haɗa fa'idodin Medicare na asali tare da ɗaukar magungunan magani da sauran ayyuka, kamar haƙori ko hangen nesa. Takamaiman kewayon ya bambanta da tsari da kuma dako.

Wani fa'idodi na tsare-tsaren Fa'ida shine iyakar kashe-kashe na aljihun shekara-shekara. Da zarar kun isa iyakar shekara da shirin ya tsara, shirin ku zai biya sauran kuɗin da aka yarda da ku na Medicare don kulawar shekara.

Asalin Magungunan asali, a gefe guda, bashi da iyaka na shekara-shekara. Tare da sassan A da B, kuna biya

• abin cire kudi duk lokacin da aka shigar da kai asibiti
• ana cire kuɗin shekara-shekara don Sashe na B
• wani kaso na kuɗin likita bayan biyan kuɗin B na cire

Sashin Kiwon Lafiya na D

Sashe na D yana shirin rufe magunguna da allurai. Ana buƙatar irin wannan ɗaukar hoto, amma kuna da optionsan za optionsu options :ukan:

• saya tsarin Sashi na D tare da Asibitin asali
• yi rijista don shirin Amfanin Medicare wanda ya haɗa da ɗaukar Bayanin D
• sami daidaitaccen ɗaukar hoto daga wani shirin, kamar shirin da mai ɗaukar ma'aikata ya ɗauka

Idan baku da maganin siyar da magani kuma baku sa hannu a yayin rijistar farko ba, zaku biya bashin rajistar ƙarshen rayuwa.

Inshorar ƙarin inshora (Medigap)

Medigap na iya taimakawa wajen biyan kuɗaɗen aljihu. Akwai shirye-shiryen Medigap guda 10 waɗanda ke ba da ɗaukar hoto: A, B, C, D, F, G, K, L, M, da N.

Kowane shiri yana da ɗan ɗaukar hoto daban-daban, kuma ba duk shirye-shiryen ake siyarwa a kowane yanki ba. Yi la'akari da bukatun mutum yayin yin nazarin shirye-shiryen Medigap, kuma yi amfani da kayan aikin mai nemo shirin Medicare don ganin waɗanne tsare-tsare ake siyarwa a cikin lambar ZIP ɗinka.

Dogaro da shirin da kuka zaba, Medigap yana ɗaukar wasu ko duk waɗannan kuɗin Medicare:

• sake biya
• tsabar kudin
• cire kudi
• gwani wurin kulawa da kulawa
• gaggawa likita

Medigap yana samuwa don amfani kawai tare da Medicare na asali. Ba za a iya haɗa shi da shirin Medicare Advantage (Sashe na C) ba. Ba za ku iya yin rijista ba a cikin duka Amfanin Medicare da Medigap.

Waɗanne tsare-tsaren Amfani da Medicare suke samuwa a cikin Indiana?

A cikin Indiana, Shirye-shiryen Amfanin Medicare ya faɗi ƙasa da rukuni bakwai:

• Maungiyar Kula da Lafiya (HMO) ta shirya. A cikin HMO, zaɓi zaɓi mai ba da kulawa na farko (PCP) daga cibiyar sadarwar likitoci. Wannan mutumin yana kula da kulawar ku, gami da miƙa wa kwararru. HMOs sun haɗa da asibitoci da kayan aiki a cikin hanyar sadarwa kuma.
• HMO tare da shirin sabis (POS). HMO tare da shirin POS sun rufe kulawa a wajen hanyar sadarwar su. Gabaɗaya sun haɗa da tsada mafi tsada daga aljihun kuɗi don kulawa da hanyar sadarwar, amma wasu daga cikin kuɗin an rufe su.
• Shirye-shiryen Mai Ba da Agaji (PPO). Shirye-shiryen PPO suna da cibiyar sadarwar masu ba da kulawa da asibitoci kuma baya buƙatar ku sami takaddama na PCP don ganin ƙwararren masani. Kulawa a wajen hanyar sadarwar na iya tsada ko kuma ba za a rufe ta kwata-kwata ba.
• Shirye-shiryen kulawa mai kulawa da mai bayarwa (PSO). A cikin waɗannan tsare-tsaren, masu ba da sabis suna ɗaukar haɗarin kuɗi na kulawa, don haka zaɓi zaɓi PCP daga shirin kuma ku yarda da amfani da masu samar da shirin.
• Asusun ajiyar kuɗi na Medicare (MSAs). MSA ta ƙunshi babban tsarin inshora mai ragi tare da asusun ajiya don ƙwararrun kuɗin likita. Medicare na biyan kuɗaɗen ku kuma saka wasu adadin a cikin asusunka kowace shekara. Kuna iya neman kulawa daga kowane likita.
• Shirye-shiryen Biyan Kudi na Kasuwanci (PFFS). Waɗannan su ne tsare-tsaren inshorar masu zaman kansu waɗanda ke saita farashi kai tsaye tare da masu samarwa. Zaka iya zaɓar kowane likita ko kayan aikin da zasu karɓi shirinka na PFFS; Koyaya, ba duk masu samarwa zasu.
• Shirye-shiryen Beneungiyar Amfani da ternalan uwanmu na Addini. Wadannan tsare-tsaren sune HMOs, HMOs tare da POS, PPOs, ko PSOs waɗanda ƙungiyar addini ko ta 'yan uwantaka ta ƙirƙira. Mayarin rajista na iyakance ga mutanen da ke cikin wannan ƙungiyar.

Hakanan ana samun Shirye-shiryen Bukatun Musamman (SNPs) idan kuna buƙatar ƙarin haɗin kai. Waɗannan tsare-tsaren suna ba da ƙarin ɗaukar hoto da taimako.

Kuna iya samun SNP idan kun:

• sun cancanci duka Medicaid da Medicare
• da yanayi ɗaya na yau da kullun ko naƙasa
• zama a cikin gidan kulawa na dogon lokaci

Waɗannan kamfanonin inshorar suna ba da tsare-tsaren Amfanin Medicare a Indiana:

• Aetna
• Allwell
• Wakar Blue Cross da Blue Garkuwa
• Wakar Kirsimeti
• CareSource
• Humana
• Shirye-shiryen Kiwon Lafiya na Jami'ar Indiana
• Lafiya Lasso
• MyTruAbubuwan amfani
• UnitedHealthcare
• Lafiya na Zing

Akwai tsare-tsare daban-daban a kowane yanki na Indiana, don haka zaɓinku ya dogara da inda kuke zama da lambar ZIP ɗinku. Ba duk shirye-shirye ake samu a kowane yanki ba.

Wanene ya cancanci Medicare a Indiana?

Don samun cancanci shirin Medicare Indiana, dole ne:

• ka cika shekaru 65 ko sama da haka
• zama ɗan ƙasar Amurka ko mazaunin doka na shekaru 5 ko fiye

Kuna iya cancanta kafin shekaru 65 idan kun:

• ya sami Inshorar Rashin Lafiya na Tsaro (SSDI) ko Amfanin Ritaya na Railroad (RRB) na tsawon watanni 24
• suna da cutar koda ta ƙarshe (ESRD) ko dashen koda
• suna da amyotrophic lateral sclerosis (ALS), wanda kuma aka sani da cutar Lou Gehrig

Yaushe zan iya yin rajista a cikin shirin Medicare Indiana?

Wasu mutane suna yin rajista ta atomatik a cikin Medicare, amma yawancin suna buƙatar yin rajista yayin lokacin yin rajista daidai.

Lokacin yin rajista na farko

Farawa watanni 3 kafin watan haihuwar shekara 65, zaku iya shiga cikin Medicare. Fa'idodin ku zasu fara ranar farko na watan haihuwar ku.

Idan baku manta da wannan lokacin shiga na farko ba, zaku iya yin rijista a cikin watan haihuwarku da tsawon watanni 3, amma ɗaukar hoto zai jinkirta.

Yayin lokacin yin rajista na farko, zaku iya yin rajista a cikin sassan A, B, C, da D.

Janar rajista: Janairu 1 zuwa Maris 31

Idan ka rasa lokacin yin rijista na farko, zaka iya yin rajista a farkon kowace shekara, amma ɗaukarka ba zai fara ba har sai Yuli 1. Late rejista na iya ma nufin za ka biya hukunci a duk lokacin da ka yi rajista.

Bayan yin rajista gaba ɗaya, zaku iya yin rijista don Amfani da Medicare daga Afrilu 1 zuwa Yuni 30.

Amfani da Medicare Anbude rijista: Janairu 1 zuwa Maris 31

Idan kun riga kun shiga cikin shirin Amfani da Medicare, zaku iya canza tsare-tsaren ko ku koma zuwa Medicare na asali a wannan lokacin.

1 bude Oktoba zuwa 31 ga Disamba

Hakanan ana kiransa lokacin yin rajista na shekara-shekara, wannan shine lokacin da zaku iya:

• canzawa daga Asibiti na asali zuwa Amfanin Medicare
• canza daga Amfani da Medicare zuwa Asibitin na asali
• sauya daga shirin Amfani da Medicare zuwa wani
• canzawa daga shirin Medicare Part D (takardar sayan magani) zuwa wani

Lokacin yin rajista na musamman

Kuna iya yin rajista a cikin Medicare ba tare da jiran buɗe rajista ba ta hanyar cancantar lokacin yin rajista na musamman. Wannan zai faru ne galibi idan kuka rasa ɗaukar hoto a ƙarƙashin shirin mai ɗaukar nauyi na mai ba da horo, ku ƙaura daga yankin shirinku, ko kuma ba a sake samun shirinku saboda wasu dalilai.

Nasihu don yin rajista a Medicare a Indiana

Yana da mahimmanci a kimanta bukatun lafiyar ku kuma karanta kowane shiri a hankali don ku zaɓi ɗaya wanda ke ba da mafi kyawun ɗaukar hoto don bukatun ku. Yi hankali a hankali:

• ko kuna buƙatar Medicare na asali ko Amfanin Medicare
• idan likitocin da kuka fi so suna cikin hanyar sadarwar likitancin
• menene mafi kyawun, cirewa, biyan kuɗi, tsabar tsabar kuɗi, da tsadar kuɗin aljihun kowane shirin

Don kauce wa hukuncin ƙarshen yin rajista, yi rajista ga dukkan sassan Medicare (A, B, da D) ko tabbatar cewa kuna da sauran ɗaukar hoto, kamar shirin da mai ɗaukar nauyi ya yi, lokacin da kuka cika shekaru 65.

Indiana Medicare albarkatun

Idan kuna buƙatar ƙarin bayani ko taimakawa fahimtar hanyoyin zaɓuɓɓukan likitanku a cikin Indiana, waɗannan wadatar suna nan:

• Ma'aikatar Inshora ta Indiana, 800-457-8283, wanda ke ba da bayyananniyar likitanci, hanyoyin taimako na Medicare, da taimakawa biyan Medicare
• Shirin Inshorar Kiwon Lafiya na Jihar Indiana (SHIP), 800-452-4800, inda masu sa kai ke amsa tambayoyi kuma suna taimaka muku wajen yin rajistar Medicare
• Medicare.gov, 800-633-4227

Me zan yi a gaba?

Anan akwai matakai don taimaka maka shiga cikin Medicare:

• Tattara duk wani bayanai ko bayanai game da takardunku da yanayin lafiyar ku.
• Tambayi likitanku wane inshora ko shirin Medicare da suka yarda ko shiga ciki.
• Ayyade lokacin yin rajistar ku kuma yiwa kalandarku alama.
• Yi rajista don Sashi na A da Sashi na B, sannan yanke shawara idan kuna son shirin Amfani da Medicare.
• Ickauki shiri tare da ɗaukar hoto da kuke buƙata da masu samarwa da kuke so.

An sabunta wannan labarin a ranar Nuwamba 20, 2020, don yin tunani game da 2021 bayanin Medicare.

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.