Shirye-shiryen Medicare na Iowa a cikin 2021

Wadatacce

• Menene Medicare?
• Asibiti na asali
• Amfanin Medicare
• Waɗanne tsare-tsaren Amfani da Ingancin ne ke cikin Iowa?
• Wanene ya cancanci Medicare a Iowa?
• Yaushe zan iya shiga cikin shirin Medicare Iowa?
• Nasihu don yin rajista a cikin Medicare a Iowa
• Iowa Medicare albarkatun
• Me zan yi a gaba?

Idan kana zaune a Iowa, zaka iya cancanta ga Medicare. Wannan shirin na tarayya yana ba da inshorar lafiya ga Iowans waɗanda ke da shekaru 65 ko sama, da kuma wasu ƙananan yara masu nakasa.

Idan kun kasance sababbi ga Medicare, ba koyaushe bane zaku iya gano zaɓin ɗaukarku. Wannan labarin yana ba da gabatarwa ga Medicare Iowa, gami da zaɓuɓɓukan Amfani da Medicare da yadda za a zaɓi shirin da ya dace da kai.

Menene Medicare?

Akwai zaɓuɓɓukan ɗaukar hoto biyu na Medicare a Iowa. Zaka iya zaɓar ko dai Medicare na asali ko Amfanin Medicare.

Asibiti na asali

Asalin Medicare ana kuma kiran shi Medicare na gargajiya. Ana bayar dashi ta hanyar gwamnatin tarayya kuma ya haɗa da:

• Kashi na A (inshorar asibiti). Sashi na A ya ƙunshi ayyuka da yawa da suka shafi asibiti, gami da zaman asibitin marasa lafiya da iyakantattun kulawar kayan jinya.
• Sashi na B (inshorar lafiya) Sashe na B ya haɗa da ɗaukar hoto don yawancin sabis na likita da na rigakafi, kamar ziyarar likita, gwajin jiki, da harba mura.

Asalin Medicare ba ya rufe komai, amma kamfanonin inshora suna ba da tsare-tsaren da za su iya taimakawa cike gibin. Idan kana buƙatar ɗaukar magani, za ka iya yin rajista don shirin Sashe na Medicare. Idan kuna buƙatar taimako don biyan kuɗin biyan kuɗin Medicare, kuɗin tsabar kudi, da ragi, za ku iya yin rijista don inshorar ƙarin inshorar Medigap).

Amfanin Medicare

A cikin Iowa, sauran zaɓinku shine shirin Amfani da Medicare. Waɗannan tsare-tsaren kamfanoni masu zaman kansu ne ke ba da su kuma gwamnati ke tsara su. Suna rufe dukkanin asibiti da sabis na likita kamar na asali na asali, amma galibi sun haɗa da ƙarin fa'idodi, kamar:

• takardar sayen magani magani
• ji, gani, ko hakori ɗaukar hoto

Waɗanne tsare-tsaren Amfani da Ingancin ne ke cikin Iowa?

Ya zuwa shekarar 2021, masu jigilar kayayyaki masu zuwa suna siyar da tsare-tsaren Fa'idodin Medicare a Iowa:

• Aetna Medicare
• HealthPartners UnityPoint Lafiya
• Humana
• Medica
• Medical Health Associates Health Plan, Inc.
• MediGold
• UnitedHealthcare

Waɗannan kamfanonin suna ba da shirye-shirye a cikin ƙananan hukumomi da yawa a Iowa. Koyaya, bayarda shirin Amfanin Medicare ya banbanta da yanki, don haka shigar da takamaiman lambar ZIP ɗinka lokacin neman tsare-tsaren inda kuke zaune.

Wanene ya cancanci Medicare a Iowa?

Idan kun kasance ƙasa da shekaru 65, kun cancanci Medicare Iowa idan:

• an gano ku tare da cututtukan ƙwayar cuta na ƙarshe (ESRD)
• an gano ku tare da amyotrophic lateral sclerosis (ALS)
• kuna samun Inshorar nakasa ta Social Security na akalla shekaru 2

Ga Iowans waɗanda ke cika shekaru 65, haɗuwa da ɗayan waɗannan ƙa'idodi masu zuwa ya sa ku cancanci Medicare:

• kai dai ɗan ƙasar Amurka ne ko kuma mazaunin dindindin wanda ya kasance a ƙasar aƙalla shekaru 5
• a halin yanzu kuna karɓar fa'idodin ritayar Social Security ko ku cancanci waɗannan fa'idodin

Akwai ƙarin ka'idojin cancanta don tsare-tsaren Fa'idodin Medicare a Iowa.Don samun cancanta, dole ne ku zauna a yankin sabis ɗin shirin kuma kuna da sassan Medicare A da B.

Yaushe zan iya shiga cikin shirin Medicare Iowa?

Idan kun cancanci Medicare, zaku iya yin rajista a wasu lokuta a cikin shekara. Waɗannan lokutan sun haɗa da:

• Lokacin yin rajista na farko. Idan kun fara cancanta lokacin da kuka cika shekaru 65, za ku iya yin rijista a wannan tsawon watanni 7. Yana farawa watanni 3 kafin watan da ka cika shekaru 65 ya ƙare watanni 3 bayan watan haihuwar ka 65th.
• Lokacin shiga rajista na Medicare. Lokacin yin rajista na shekara-shekara yana faruwa tsakanin Oktoba 15 da Disamba 7. A wannan lokacin, zaku iya shiga shirin Amfani da Medicare ko sauya zuwa sabon shirin.
• Amfani da damar Medicare lokacin bude rajista. Idan kun riga kun kasance cikin shirin Amfani da Medicare, zaku iya canzawa zuwa wani tsakanin Janairu 1 da Maris 31 kowace shekara.

Wasu al'amuran rayuwa, kamar rasa aikin da zai samar maka da kiwon lafiya, zai haifar da wani lokacin yin rajista na musamman. Wannan yana ba ku zarafin yin rajista don Medicare a waje da daidaitattun lokutan yin rajista.

A wasu lokuta, ana iya yi maka rajista don Medicare ta atomatik. Idan kun cancanci saboda nakasa, zaku sami Medicare bayan kun karɓi watanni 24 na Inshorar Rashin Lafiya na Social Security. Hakanan za'a yi rijistar kai tsaye lokacin da ka cika shekaru 65 idan ka riga ka sami fa'idodin ritaya na Social Security.

Nasihu don yin rajista a cikin Medicare a Iowa

Lokacin da kake cin kasuwa don tsare-tsaren riba na Medicare, taƙaita abubuwan da kake zaɓa na iya zama matsi. Don sauƙaƙe aikin, kiyaye waɗannan abubuwan a zuciya yayin siyayya a kusa.

• Kasafin kudinka. Kafin zabar tsari, yanke shawara nawa zaka iya kashewa. Yi la'akari da ba kawai kuɗin kowane wata ba, amma sauran farashin ɗaukar hoto, kamar tsabar kuɗaɗen ajiya, biyan kuɗi, da ragi.
• Likitocin ku. Lokacin da kuka shiga shirin Amfani da Medicare, yawanci kuna samun kulawa daga likitoci a cikin hanyar sadarwar shirin. Idan kana son ci gaba da ganin likitocin ka na yanzu, ka tabbata sun kasance a cikin hanyar sadarwa.
• Yanayin ɗaukar hoto yana buƙata. Shirye-shiryen Amfani na Medicare na iya ɗaukar sabis ɗin da Medicare na asali baya yi, kuma waɗannan ƙarin fa'idodin sun bambanta daga shirin zuwa shirin. Idan kuna buƙatar takamaiman fa'idodi, kamar kulawar hakora ko kulawar gani, tabbatar shirinku yayi musu.
• Bukatun lafiyar ku. Idan kana da cutar rashin lafiya na yau da kullun, kamar su cutar kansa ko wata cuta ta atomatik, ƙila kana so ka shiga Tsarin Buƙatu na Musamman. Waɗannan tsare-tsaren suna tsara ayyukansu da hanyoyin sadarwar mai bayarwa don dacewa da bukatun mutane tare da takamaiman yanayi.

Iowa Medicare albarkatun

Akwai albarkatun taimako da yawa waɗanda zasu iya taimaka muku fahimtar Medicare Iowa, gami da:

• Babban Shirin Bayanai na Inshorar Kiwan Lafiya (SHIIP) 800-351-4664
• Gwamnatin Tsaro ta Jama'a 800-772-1213

Me zan yi a gaba?

Lokacin da lokaci yayi don yin rajista a Medicare, zaku iya:

• Yi rajista don sassan Medicare A da B. Don samun Medicare, tuntuɓi Social Security Administration. Akwai aikace-aikacen kan layi, amma idan kun fi so, zaku iya ziyartar ofishin Tsaro na yankinku ko ku kira 800-772-1213.
• Shago don shirin Medicare a Medicare.gov. Kayan aikin mai nemo shirin na Medicare yana sauƙaƙa siyayya don shirin Medicare a Iowa. Bayan shigar da lambar ZIP dinka, zaku ga jerin tsare-tsaren da zaku iya zaba.
• Yi magana da mai ba da shawara na Medicare. Idan kuna buƙatar taimako don kwatanta shirye-shiryen Medicare a yankinku, tuntuɓi Iowa SHIIP. Mai ba da gudummawar SHIIP na iya taimaka muku fahimtar zaɓin likitanku da kuma yanke shawara game da ɗaukar hoto.

An sabunta wannan labarin a ranar 7 ga Oktoba, 2020 don yin la'akari da bayanan Medicare na 2021.

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.