Kulembetsa Ogulitsa Siwo Wopanda Wanu Wokha
Kusankha ndondomeko ya Medicare kuli ngati kusewera chess. Mukusewera kuti mupambane, panopa, kuti mukhale ndi thanzi labwino. Izi sizikutanthauza kuti nthawi zonse mungasankhe bwino koposa. Uthenga wabwino ndikuti nthawi zonse mumakhala ndi mwayi wosintha njira yanu pamene nthawi yanu yotsatira ikubwera. Gwiritsani ntchito nthawi yolembera kuti musankhe ndondomeko yabwino ya Medicare.
Medicare's Open Registration Period
Nthawi Yowonjezera Yoyamba ndi nthawi imodzi chaka chilichonse pamene aliyense angathe kusintha ndondomeko ya Medicare. Kuyambira October 15 mpaka December 7, Kulembetsa kosavuta kumakupatsani:
- Sinthani kuchokera kuchiyambi Medicare kupita ku Medicare Advantage popanda kapangidwe kagawo ka D Part D komanso mosiyana
- Sintha pakati pa mapulani a Medicare Advantage popanda kapangidwe ka mankhwala a D Part D
- Sintha pakati pa mapulani a Medicare Part D
Izi zikuchitika, pangakhale nthawi zina mu chaka chomwe mukufuna kusintha ndondomeko ya Medicare. Pali ziwerengero zolembera zapadera zomwe muyenera kuzidziwa.
Nthawi Zowonjezera Zapadera Zokambirana ndi Mapulogalamu Ena Amagulu
Mutha kukhala oyenerera ku Medicare kuwonjezera pa mapulogalamu ena a zaumoyo. Ngati ndi choncho, mungakhale ndi Nthawi Zina Zolembetsera Zapadera.
- Thandizo Lowonjezereka. Ndondomeko iyi ya Medicare Savulumutsi imathandizira kulipilira ndalama za D Part D monga mapepala, ndalama zokwanira, komanso malipiro . Malingana ndi msinkhu wanu, ndalama zanu zingachepetse kapena mfulu. Pamene muli oyenerera pulogalamu yowonjezera yothandiza, ndinu omasuka kupanga kusintha kwa dongosolo la Medicare nthawi iliyonse. Komabe, mukataya mwayi wokonzekera pulogalamuyi, nthawi yanu yolembera yapadera idzasintha kuchokera ku January 1 mpaka March 31 okha.
- Medicaid. Ngakhale Medicare ndi pulogalamu yokonzera okalamba ndi olumala , Medicaid imafuna kusamalira anthu omwe ali ndi ndalama zochepa. Anthu akhoza kulandira Medicaid ndi Medicare. Kuvomerezeka kawiri kumakupatsani mwayi wosintha pakati pa malingaliro a Medicare nthawi iliyonse pamene mukulembetsa. Kutaya Medicaid kuyenerera kukupangitsa kukhala ndi miyezi iwiri ya Kulembetsa Kwambiri Kukonza ndondomeko.
- Ndondomeko Yophatikizapo Yonse Yophatikiza Okalamba (PACE). Pulogalamu yachipatala imeneyi imaperekedwa kwa anthu 55 kapena kuposerapo omwe amayenerera kukhala osowa nyumba yosamalirako. Popeza kuti PACE imapereka mankhwala oyenera , mwachitsanzo, kufalitsa monga mankhwala a Medicare Part D, simungathe kufunikira mankhwala a mankhwala a Medicare. Mungathe kuletsa malingaliro anu a Medicare Advantage kapena D Part nthawi iliyonse. Muyenera kuchoka pa PACE pa chifukwa chilichonse, muli ndi miyezi iwiri kuti mubwererenso pulogalamu iliyonse.
- Ndondomeko Yothandizira Mankhwala a State (SPAP). Ngakhale boma la federal likupereka thandizo linalake, mayiko ena amapereka mapulogalamu awo enieni a mankhwala osokoneza bongo. Mukhoza kusintha ku dongosolo la Medicare lomwe limapereka mankhwala ozunguza bongo nthawi imodzi chaka chilichonse kalendala ngati mukuyenerera imodzi mwa SPAPs.
- Zopindulitsa TRICARE kapena Zakale. Zikomo chifukwa cha utumiki wanu. Ngati muyeneredwa kuti mupeze chithandizo chamankhwala pogwiritsa ntchito ntchito ya usilikali, mudzapatsidwa mwayi wopeza mankhwala. Muli mfulu kuchotsa Medicare Advantage kapena dongosolo D gawo nthawi iliyonse popanda chilango.
Nthawi Zowonjezera Zapadera Zotsata Kusintha kwa Mankhwala Anu kapena Magulu Ena Amoyo
Kusintha kwa dongosolo lanu la Medicare kungakhale kosalamulidwa. Ngati mumadzipeza nokha, mungathe kukhala ndi nthawi yolembetsa yapadera.
- Boma la federal lingawononge mgwirizano ndi inshuwalansi yanu. Mukhoza kusintha ndondomeko yoyambira miyezi iwiri isanakwane ndipo mutatha mwezi umodzi mutatha mgwirizano.
- Mumasowa mankhwala osokoneza bongo. Kaya muli ndi ndondomeko yothandizira aboma, mgwirizano wothandizira, kapena ndondomeko ina yathanzi, muyenera kudziwa ngati dongosololi likupereka mankhwala oyenera. Ngati pazifukwa zilizonse, ndondomekoyi sichikudziwitseni bwino za izi kapena ngati asintha chithunzi chawo kuti chithandizo chawo sichithandizidwa, muli ndi miyezi iwiri yosintha malingaliro a Medicare.
- Mumataya mwayi wopezera thanzi lina. Mungathe kusintha ndondomeko yanu ya Medicare mkati mwa miyezi iwiri ngati mutataya mwayi wopeza chithandizo chamankhwala ena, kuphatikizapo phindu la COBRA, ndondomeko zaumoyo zothandizidwa ndi abwana, zopindulitsa za asilikali, kapena zopindulitsa.
- Mukufuna kulembetsa mu-Five-Star Plan. Ngati pali 5-Star Medicare Advantage kapena gawo D gawo lanu, mukhoza kulemba kwa nthawi iliyonse kuyambira December 8 ndi kutha pa November 30.
- Ndondomeko yanu ya inshuwaransi siyimanganso dongosolo lanu la Medicare la chaka chomwe chikubwera. Mukhoza kusintha ndondomeko yanu kuchokera pa December 8 mpaka February 28/29.
Nthawi Zowonjezera Zapadera Zochokera Kumene Mukukhala
Mosiyana ndi Original Medicare ( Gawo A ndi Gawo B ) zomwe zimapereka kufanana komwe kulikonse kumene mumakhala m'dzikoli, Medicare Advantage ndi D Part D akukonzekera pa intaneti. Kusuntha kungasinthe madera anu a utumiki wa Medicare, kuchititsa kufunika kosintha ndondomeko.
Mwapatsidwa Nthawi Zowonjezera Zapadera kuti musinthe ndondomeko izi:
- Mumalowa kapena kupita kunja kwa chipatala chodziwa bwino ntchito kapena kuchipatala cha nthawi yaitali. Pamene mukukhala mu bungwe, mukhoza kusintha ndondomeko nthawi iliyonse. Mukachoka pa malowa, muli ndi miyezi iŵiri kuti musinthe mapulani.
- Mumasuntha ku adilesi ya US kunja kwa mapulogalamu anu a pakali pano kapena kupita ku adiresi ya US mu intaneti yanu yamakono koma pomwe pali njira zina zowonjezera zomwe zilipo tsopano. Nthawi yanu yolembetsa yapadera imadalira pamene mudziwitsa ndondomeko yanu yokhudza kusamuka kwanu. Ngati muwawuza musanayambe kusuntha, mutha kusintha ndondomeko mwezi umodzi usanafike mpaka miyezi iwiri mutatha kusintha. Mukawauza mutatha kusamuka, mumapatsidwa mwezi umene mumawadziwitsa komanso miyezi iwiri kuti musinthe.
Pakhoza kukhala nthawi zina pamene mwalembetsa ku Medicare koma simungathe kugwiritsa ntchito phindu. Zosankha zanu zingasinthe pamene mutapeza mwayi wogwiritsa ntchito Medicare.
Mwapatsidwa miyezi iwiri yokha yolembetsa nthawi yapadera kuti musinthe ndondomeko izi:
- Mumasulidwa kundende. Medicare salipira chifukwa cha chisamaliro chomwe chinalandidwa m'ndende, ngakhale ngati mwalembetsa mwakhama pulogalamuyi. M'malo mwake, dongosolo la chilango limalimbikitsa ndalamazo.
- Mumabwerera ku United States mutakhala m'dziko linalake. Medicare salipiritsa chisamaliro ku mayiko akunja , kupatula nthawi zosawerengeka ndipo kawirikawiri kokha mwazidzidzidzi.
Izi sizikutanthauza kuti simuyenera kupereka malipiro anu a Medicare mukakhala kunja kwa dziko kapena ngati mutsekeredwa m'ndende. Kulipira malipiro anu kungachititse kuti mutha kuchotsedwa pa pulogalamu ya Medicare, ndikusiyirani popanda zosankha zaumoyo mukamabwerera ku United States kapena mutatulutsidwa m'ndende.
Mawu ochokera
Kulembetsa Otsegula si nthawi yokha yomwe mungasinthe malingaliro a Medicare chaka chonse. Pali ziwerengero zolembera zapadera zomwe mungagwiritse ntchito pogwiritsa ntchito kusintha kwa ndondomeko yanu ya Medicare panopa, pazomwe mukuyenera kulandira mapulogalamu ena azaumoyo, ngakhale komwe mukukhala. Dziwani ufulu wanu ndipo gwiritsani ntchito mwayi umenewu kuti musankhe dongosolo lomwe likugwirizana ndi zosowa zanu.
> Zotsatira:
> PACE. Medicare.gov. https://www.medicare.gov/your-medicare-costs/help-paying-costs/pace/pace.html.
> Mavuto apadera (Nthawi Zowonjezera Zapadera). Medicare.gov. https://www.medicare.gov/sign-up-change-plans/when-can-i-join-a-health-or-drug-plan/special-circumstances/join-plan-special-circumstances.html.
> Mapologalamu othandizira ma ARV. Medicare.gov. https://www.medicare.gov/pharmaceutical-assistance-program/state-programs.aspx.
> Zimene Agulu Ayenera Kudziwa . Webusaiti ya Social Security Administration. https://www.ssa.gov/pubs/EN-05-10133.pdf.