Shirye-shiryen Magungunan Michigan a 2021

Wadatacce

• Medicare a cikin bayanan Michigan
• Zaɓuɓɓukan Medicare a cikin Michigan
• Asibiti na asali
• Amfanin Medicare a Michigan
• Shirye-shiryen kari na Medicare a Michigan
• Rajistar aikin likita a Michigan
• Nasihu don yin rajista a Medicare a Michigan
• Michigan Medicare albarkatun
• Me zan yi a gaba?
• Takeaway

Medicare shiri ne na tarayya wanda ke taimakawa tsofaffi da matasa masu nakasa su biya kuɗin kiwon lafiya. A duk faɗin ƙasar, kusan mutane miliyan 62.1 ke samun lafiyar su daga Medicare, gami da kusan mutane miliyan 2.1 a Michigan.

Idan kuna siyayya don shirin Medicare a cikin Michigan, kuna iya mamakin waɗanne zaɓuɓɓuka suke akwai da yadda za ku zaɓi shirin da ya dace da ku.

Medicare a cikin bayanan Michigan

Cibiyoyin Medicare & Medicaid Services (CMS) sun ba da rahoton waɗannan bayanan game da yanayin Medicare a cikin Michigan don shekara ta 2021:

• Jimlar mazauna Michigan dubu biyu da ɗari da hamsin da biyar sun shiga cikin Medicare.
• Matsakaicin kuɗin riba a kowane wata ya ragu a Michigan idan aka kwatanta da shekarar da ta gabata - daga $ 43.93 a 2020 zuwa $ 38 a 2021.
• Akwai tsare-tsaren Amfani da Medicare na 169 a cikin Michigan don 2021, idan aka kwatanta da tsare-tsare 156 a cikin 2020.
• Duk mazaunan Michigan tare da Medicare suna da damar siye shirin Amfani da Medicare, gami da tsare-tsare tare da dala $ 0.
• Akwai shirye-shiryen Medicare Sashe na D guda 29 wanda aka samo a cikin Michigan don 2021, idan aka kwatanta da shirye-shirye 30 a 2020.
• Duk mazaunan Michigan da keɓe-keɓaɓɓen shirin Sashi na D suna da damar zuwa wani shiri tare da mafi ƙarancin kuɗin wata fiye da yadda suka biya a 2020.
• Akwai manufofin Medigap daban-daban guda 69 da aka bayar a Michigan don 2021.

Zaɓuɓɓukan Medicare a cikin Michigan

A cikin Michigan, akwai manyan zaɓuɓɓuka guda biyu don ɗaukar nauyin Medicare: asalin Medicare da Amfanin Medicare. Asalin Medicare na gwamnatin tarayya, yayin da kamfanoni masu zaman kansu ke bayar da tsare-tsaren Medicare Advantage.

Asibiti na asali

Asibiti na asali yana da sassa biyu: Sashi na A da Sashi na B.

Sashi na A (inshorar asibiti) yana taimaka muku biyan kuɗin sabis kamar na asibiti a asibiti da ƙwarewar kayan aikin jinya.

Sashe na B (inshora na likita) yana taimaka muku biyan kuɗin sabis na likita da yawa, gami da ayyukan likitoci, binciken lafiya, da kuma kula da marasa lafiya.

Amfanin Medicare a Michigan

Shirye-shiryen Amfani da Medicare shine wata hanyar da zaka bi don samun tallafin Medicare. A wasu lokuta ana kiran su Sashi na C. Waɗannan tsare-tsaren haɗi dole ne su rufe dukkan ayyukan Medicare A da B. Sau da yawa, sun haɗa da Sashi na D, ma. Shirye-shiryen Amfani na Medicare na iya ba da ƙarin fa'idodi da yawa, kamar hangen nesa, haƙori, da kula da ji.

A matsayinka na mazaunin Michigan, kuna da zaɓuɓɓuka masu amfani na Medicare. Ya zuwa na 2021, kamfanonin inshora masu zuwa suna ba da shirin Amfani da Medicare a cikin Michigan:

• Aetna Medicare
• Cibiyar Kula da Blue
• Garkuwa da Blue Cross na Michigan
• HAP Manyan Plusari
• Humana
• Asibitin Kiwon Lafiya
• Amincewa da Medicare
• UnitedHealthcare
• WellCare
• Lafiya na Zing

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

Ga wasu Michiganders, akwai hanya ta uku don samun Medicare: MI Health Link. Waɗannan tsare-tsaren kulawa da kulawa don mutanen da suka shiga cikin Medicare da Medicaid.

Shirye-shiryen kari na Medicare a Michigan

Shirye-shiryen Medicare (Medigap) sune nau'in inshorar Medicare da kamfanoni masu zaman kansu ke siyarwa. An tsara su don taimakawa wajen biyan kuɗin Medicare na asali, kamar:

• tsabar kudin
• 'yan sanda
• cire kudi

Akwai shirye-shiryen Medigap guda 10, kuma kowannensu an bashi sunan harafi. Komai kamfanin da kuke amfani da shi, ɗaukar hoto da wani takaddun wasiƙa ya bayar dole ne ya kasance iri ɗaya. Koyaya, farashi da wadatar kowane shiri na iya bambanta dangane da jihar, gunduma, ko lambar ZIP inda kuke zaune.

A cikin Michigan, kamfanonin inshora da yawa suna ba da shirye-shiryen Medigap. Tun daga 2021, wasu kamfanonin da ke ba da shirye-shiryen Medigap a cikin Michigan sun haɗa da:

• AARP - UnitedHealthcare
• Garkuwa da Blue Cross na Michigan
• Cigna
• Mulkin mallaka Penn
• Humana
• Kiwon Lafiya
• Gona na Jiha

Gabaɗaya, kuna da manufofin Medigap daban-daban guda 69 waɗanda zaku iya zaɓa daga wannan shekarar idan kuna zaune a cikin Michigan.

Rajistar aikin likita a Michigan

Idan ka karɓi fa'idodin ritaya na Tsaro na Social Security, wataƙila za a yi rajistar kai tsaye a cikin Medicare lokacin da ka cika shekaru 65. Hakanan za a iya sanya ku ta atomatik a farkon watanku na 25 a kan SSDI idan kun kasance ƙaramin yaro da nakasa.

Idan bakayi rajista ta atomatik a Medicare ba, zaka iya yin rajista a wasu lokuta a cikin shekara. Akwai lokacin yin rajista masu zuwa:

• Lokacin yin rajista na farko. Idan kun cancanci Medicare a 65, zaku iya yin rijista yayin lokacin rijistar farko na watanni 7. Wannan lokacin yana farawa watanni 3 kafin watan da kuka cika shekaru 65, ya haɗa da watan haihuwar ku, kuma ya ƙare watanni 3 bayan watan haihuwar ku.
• Lokacin shiga rajista na Medicare. Idan kana da Medicare, zaka iya yin canje-canje ga ɗaukar hoto tsakanin Oktoba 15 zuwa 7 ga Disamba kowace shekara. Wannan ya haɗa da shiga shirin Amfani da Medicare.
• Amfani da damar Medicare lokacin bude rajista. Tsakanin 1 ga Janairu da 31 ga Maris kowace shekara, mutanen da ke da shirin Amfani da Medicare na iya canza ɗaukar aikinsu. A wannan lokacin, zaku iya canzawa zuwa sabon shirin Amfani da Medicare ko komawa asalin Medicare.
• Lokaci na yin rajista na musamman. Kuna iya yin rajista a wasu lokuta na shekara idan kun sami wasu abubuwan rayuwa, kamar rasa shirin kiwon lafiya na mai aikin ku ko aikin sa kai a wata ƙasa.

Nasihu don yin rajista a Medicare a Michigan

Zaɓin shirin Medicare a Michigan babban yanke shawara ne. Ga wasu abubuwan da kuke so kuyi tunani yayin siyayya a kusa:

• Cibiyar sadarwar. Idan ka zaɓi yin rajista a cikin shirin Amfani da Medicare, gabaɗaya kana buƙatar samun kulawa daga masu samar da hanyar sadarwa. Kafin ka yi rajista, gano idan likitoci, asibitoci, da wuraren da ka ziyarta suna cikin tsarin sadarwar shirin.
• Yankin sabis. Asalin Medicare na asali yana nan a duk ƙasar, amma tsare-tsaren Amfani da Medicare yana ba da ƙananan yankuna sabis. Gano menene yankin sabis ɗin kowane shiri, da kuma abin da kuke da shi idan kun fita waje yankin sabis.
• Kudaden daga-aljihu. Wataƙila kuna buƙatar biyan kuɗi, ragi, ko kuma biyan kuɗaɗen ɗaukar kuɗin aikin likita. Shirye-shiryen Amfanin Medicare suna da matsakaicin tsada na aljihun shekara. Tabbatar cewa shirin da kuka zaba zai dace da kasafin ku.
• Fa'idodi. Shirye-shiryen Amfani na Medicare suna buƙatar ɗaukar ayyuka iri ɗaya kamar na Medicare na asali, amma suna iya ba da ƙarin fa'idodi, kamar haƙori ko hangen nesa. Hakanan zasu iya ba da riba kamar shirye-shiryen zaman lafiya da magunguna masu kanti.
• Sauran ɗaukarku. Wani lokaci, yin rijista don shirin Amfani da Medicare yana nufin rasa ƙungiyar ku ko ɗaukar aikin ku. Idan kun riga kun sami ɗaukar hoto, bincika yadda cutar zata shafe shi kafin yanke shawara.

Michigan Medicare albarkatun

Idan kuna son ƙarin koyo game da shirin Medicare a Michigan, albarkatun masu zuwa na iya zama masu taimako:

• Shirin Taimakon Michigan / Medicaid Taimako, 800-803-7174
• Tsaro na Lafiya, 800-772-1213

Me zan yi a gaba?

Idan kun kasance a shirye don yin rajista don Medicare, ko kuma idan kuna son ƙarin koyo game da shirin Amfani da Medicare a Michigan:

• Tuntuɓi Shirin Taimakon Michigan / Medicaid don samun shawarwari na fa'idodin kiwon lafiya kyauta da taimakawa kewaya Medicare.
• Kammala aikace-aikacen fa'idodin kan layi akan gidan yanar gizon Tsaro na Social, ko aikawa kai tsaye a ofishin Tsaro na Social.
• Kwatanta tsare-tsaren Amfani da Medicare a Medicare.gov, kuma shiga cikin shirin.

Takeaway

• Kimanin mutane miliyan 2.1 a cikin Michigan suka shiga cikin Medicare a cikin 2020.
• Akwai kamfanonin inshora masu zaman kansu da yawa waɗanda ke ba da nau'ikan Medicare Amfani a cikin Michigan.
• Gabaɗaya, farashin farashi na kowane wata ya ragu don shirye-shiryen Amfani da Medicare na 2021 a cikin Michigan.
• Hakanan akwai zaɓuɓɓuka na ɓangaren D da na Medigap da yawa idan kuna zaune a cikin Michigan kuma kuna da sha'awar siyan waɗannan tsare-tsaren.

An sabunta wannan labarin a ranar 2 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.