Indiana Medicare Cov Tswv Yim Npaj Noj Xyoo 2021

Zoo Siab

• Medicare yog dab tsi?
• Medicare Tshooj A
• Medicare Tshooj B
• Tshooj C (Medicare Advantage)
• Medicare Tshooj D
• Kev tuav pov hwm them Medicare ntxiv (Medigap)
• Cov phiaj xwm Medicare Advantage twg muaj nyob hauv Indiana?
• Leej twg muaj feem tsim nyog tau txais Medicare hauv Indiana?
• Thaum twg kuv thiaj tuaj yeem tso npe tau rau hauv Medicare Indiana cov phiaj xwm?
• Lub sijhawm nkag thaum xub thawj
• Tso npe dav dav: Lub Ib Hlis 1 txog Peb Hlis 31
• Medicare Advantage qhib kev rau npe nkag: Lub Ib Hlis 1 txog Lub Peb Hlis 31
• Medicare qhib rau npe nkag: Lub Kaum Hlis 1 txog Kaum Ob Hlis 31
• Lub sijhawm sau npe tshwj xeeb
• Cov lus qhia rau kev cuv npe hauv Medicare hauv Indiana
• Cov chaw muab kev pab hauv Indiana
• Kuv yuav ua licas txuas ntxiv mus?

Medicare yog tsoomfwv txoj kev npaj fajseeb khomob uas muaj rau cov neeg muaj hnub nyoog 65 lossis laus dua, thiab rau cov uas muaj hnub nyoog 65 xyoos rov saum uas muaj qee yam mob lossis mob xiam oob qhab.

Medicare yog dab tsi?

Cov phiaj xwm Medicare nyob hauv Indiana muaj plaub ntu:

• Ntu A, uas yog tsev khomob pw hauv tsev khomob
• Tshooj B, uas yog kev khomob sab nrauv
• Ntu C, tseem hu ua Medicare Advantage
• Tshooj D, uas yog ntawv yuav tshuaj

Thaum koj muaj 65 xyoo, koj yuav tso npe rau Medicare qub (Tshooj A thiab Ntu B).

Medicare Tshooj A

Feem ntau cov neeg tsim nyog tau txais Cov Kev Pov Hwm Tshooj A yam tsis muaj tus nqi txhua hli. Yog koj tsis tsimnyog tau txais, koj tuaj yeem yuav cov kev fajseeb khomob.

Ntu Ib qho kev pab muaj xws li:

• kev pab them nqi thaum koj mus pw hauv tsev kho mob rau kev saib xyuas ncua sijhawm
• tsuas muaj kev pab them nqi tsawg rau kev saib xyuas cov neeg laus lub tsev laus
• qee qhov ua haujlwm tu mob hauv tsev qee sij hawm
• tos txais qhua

Medicare Tshooj B

Cov kev pab hauv Tshooj B suav nrog:

• mus ntsib kws kho mob
• kev tiv thaiv thiab kev kuaj mob
• kev ntsuas yees duab thiab kev sim ntsuas
• ruaj cov khoom siv kho mob
• kev kho mob sab nrauv thiab kev pabcuam

Tom qab kos npe rau Medicare thawj zaug, koj tuaj yeem txiav txim siab seb koj puas xav tau Medicare Advantage (Tshooj C) txoj kev npaj kho mob lossis hom phiaj ntawv Medigap, nrog rau cov nqi them tshuaj.

Tshooj C (Medicare Advantage)

Cov pab kas phais ntiag tug muab Medicare Advantage cov phiaj xwm nyob rau hauv Indiana uas saib xyuas cov txiaj ntsig ntawm thawj Medicare nrog kev pab them tshuaj thiab lwm cov kev pab, xws li kev kho hniav lossis kho qhov muag. Cov kev fajseeb tshwj xeeb nws txawv nyob ntawm kev npaj thiab cov chaw pabcuam.

Lwm qhov txiaj ntsig ntawm Advantage cov phiaj xwm yog qhov nyiaj tawm ntawm kev siv nyiaj txhua xyoo. Thaum koj ncav lub peev xwm ib xyoos raws li tau teev tseg los ntawm txoj kev npaj them nqi, koj txoj kev npaj yuav them qhov seem ntawm koj cov nuj nqis Medicare-pom zoo rau kev khomob rau lub xyoo.

Original Medicare, ntawm qhov tod tes, tsis muaj qhov txwv txhua xyoo. Nrog rau seem A thiab B, koj them

• yus them taus txhua zaus koj mus pw hauv tsev kho mob
• qhov yuav tsum tau them txhua xyoo rau Ntu B
• feem pua ​​ntawm cov nqi kho mob tom qab them Tshooj B feem cuam them tawm

Medicare Tshooj D

Tshooj D npaj them rau tshuaj thiab tshuaj txhaj tiv thaiv. Hom kev pab them nqi no yuav tsum muaj, tab sis koj muaj ob peb txoj kev xaiv:

• yuav Tshooj D txoj cai nrog Medicare qub
• rau npe rau Medicare Advantage txoj kev pab them nqi kho mob suav nrog Duav
• Tau txais kev pab them sib npaug los ntawm lwm txoj kev npaj, xws li txoj kev npaj pabcuam los ntawm cov tswv num

Yog tias koj tsis muaj kev pab them tshuaj thiab tsis kos npe rau nws lub sijhawm nkag tso npe, koj yuav raug rau lub txim tuag mus tag lub sijhawm.

Kev tuav pov hwm them Medicare ntxiv (Medigap)

Medigap tuaj yeem pab them cov nqi-ntawm-hnab ris. Muaj 10 Medigap “cov phiaj xwm” uas muab kev pab: A, B, C, D, F, G, K, L, M, thiab N.

Txhua qhov phiaj xwm muaj cov kev pab them nqi sib txawv, thiab tsis yog txhua txoj kev npaj raug muag nyob hauv txhua qhov chaw. Xav txog koj tus kheej qhov kev xav tau thaum tshuaj xyuas cov phiaj xwm Medigap, thiab siv Medicare txoj kev npaj nrhiav cov cuab yeej los xyuas seb cov phiaj xwm twg yog muag hauv koj tus lej ZIP.

Nyob ntawm txoj kev pab koj xaiv, Medigap them rau qee lossis tag nrho cov nqi Medicare:

• nqi them nyiaj
• paib pab
• tshem tawm
• cov neeg saib xyuas lub tsev laus
• pab kho mob xwm txheej ceev

Medigap tsuas pub siv rau thawj qhov Medicare nkaus xwb. Nws tsis tuaj yeem ua ke nrog Medicare Advantage (Tshooj C) cov phiaj xwm. Koj tsis tuaj yeem tso npe rau hauv Medicare Advantage thiab Medigap.

Cov phiaj xwm Medicare Advantage twg muaj nyob hauv Indiana?

Hauv Indiana, Medicare Advantage cov kev npaj nkag hauv xya pawg:

• Lub Koomhaum Saib Xyuas Kev Noj Qab Haus Huv (HMO) cov phiaj xwm. Hauv HMO, koj xaiv thawj tus kws khomob (PCP) los ntawm cov kws khomob koom tes nrog. Tus neeg ntawd tswj xyuas koj li kev saib xyuas, suav nrog kev xa mus rau cov kws tshwj xeeb. HMOs suav nrog cov tsev kho mob thiab cov chaw hauv lub network nrog rau.
• HMO nrog cov phiaj xwm kev pab cuam (POS) cov phiaj xwm. HMO nrog POS cov phiaj xwm kho mob sab nraum lawv cov koom tes nrog. Lawv feem ntau suav nrog tus nqi them nyiaj ntau dua rau kev kho mob sab nraud, tab sis qee tus nqi them.
• Cov Phiaj Xwm Ua Haujlwm Zoo Tshaj Lij (PPO) cov phiaj xwm. Cov phiaj xwm PPO muaj kev sib koom tes ntawm cov chaw muab kev saib xyuas thiab tsev kho mob thiab tsis tas yuav kom koj txais PCP xa mus ntsib tus kws kho mob tshwj xeeb. Kev saib xyuas sab nraum lub network yuav raug nqi ntau dua lossis tsis kam them tag nrho.
• Cov zov me nyuam-tswj hwm cov phiaj xwm tswj hwm (PSO). Hauv cov phiaj xwm no, cov muab kev pab tu saib xyuas kev pheej hmoo nyiaj txiag ntawm kev saib xyuas, yog li koj xaiv PCP los ntawm txoj kev npaj khomob thiab pom zoo siv txoj kev npaj khomob.
• Cov txhab nyiaj khaws nyiaj Medicare (MSAs). Ib qho MSA suav nrog txoj kev npaj them nqi kho mob siab nrog cov nyiaj khaws tseg rau cov nqi kho mob uas tsim nyog. Medicare them koj cov nqi them txhua hli thiab tso nyiaj npaum li cas hauv koj tus lej them nyiaj txhua xyoo. Koj tuaj yeem nrhiav kev khomob los ntawm ib tus kws khomob.
• Cov Kev Npaj Ua Tus Nqi Them Nyiaj-Rau-Kev Pabcuam (PFFS). Cov no yog cov pab kas phais ntiag tug uas tsim cov nyiaj them rov qab ncaj qha nrog cov muab kev pabcuam. Koj tuaj yeem xaiv ib tus kws kho mob lossis tsev kho mob uas yuav kam txais koj li PFFS txoj kev npaj; txawm li cas los xij, tsis yog txhua tus kws khomob yuav.
• Cov kev pab them nqi kev ntseeg sab kev ntseeg Lub hom phiaj. Cov phiaj xwm no yog HMOs, HMOs nrog POS, PPOs, lossis PSOs uas tsim los ntawm cov koom haum kev ntseeg lossis sab nraud. Kev rau npe nkag rau tsawg leej nyob hauv lub tsev haujlwm.

Cov phiaj xwm Xav Tau Tshwj Xeeb (SNPs) kuj tseem muaj yog tias koj xav tau kev saib xyuas ntau dua. Cov phiaj xwm no muab kev pab ntxiv thiab cov kev pab.

Koj tuaj yeem tau txais SNP yog tias koj:

• tsim nyog rau ob qho Medicaid thiab Medicare
• muaj ib lossis ntau lub cev ntev lossis mob tsis taus
• nyob hauv lub tsev laus

Cov tuam txhab tuav pov hwm no muab cov phiaj xwm Medicare Advantage hauv Indiana:

• Aetna
• Txhua tus
• Anthem Blue Hla thiab Xiav Xiav
• Anthem HealthKeepers
• CareSource
• Neej Neeg Dab
• Indiana University Cov Tswv Yim Npaj Noj Qab Haus Huv
• Lasso Kho Mob
• MyTruAdvantage
• UnitedHealthcare
• Zing Noj Qab Haus Huv

Muaj cov phiaj xwm sib txawv hauv txhua lub xeev Indiana, yog li koj cov kev xaiv nyob ntawm qhov chaw koj nyob thiab koj tus ZIP code. Tsis yog txhua txoj kev npaj muaj nyob hauv txhua qhov chaw.

Leej twg muaj feem tsim nyog tau txais Medicare hauv Indiana?

Yuav kom tsim nyog rau Medicare Indiana cov phiaj xwm, koj yuav tsum:

• muaj hnub nyoog 65 xyoos los yog tshaj saud
• tau xam xaj meskas los sis muaj ntaub ntawv nyob tebchaws no tau 5 xyoos lossis tshaj saud

Koj yuav tsim nyog ua ntej koj muaj 65 xyoos yog tias koj:

• tau nyiaj Social Security Disability Insurance (SSDI) lossis Railroad Retirement Benefits (RRB) li ntawm 24 lub hlis
• muaj mob raum ntu kawg (ESRD) lossis hloov raum
• muaj amyotrophic lateral sclerosis (ALS), tseem hu ua Lou Gehrig's kab mob

Thaum twg kuv thiaj tuaj yeem tso npe tau rau hauv Medicare Indiana cov phiaj xwm?

Qee tus neeg tau cuv npe hauv Medicare, tab sis feem ntau yuav tsum tau sau npe thaum lub sijhawm nkag raug.

Lub sijhawm nkag thaum xub thawj

Pib 3 lub hlis ua ntej lub hlis uas koj muaj 65 xyoos, koj tuaj yeem tso npe rau hauv Medicare. Koj cov txiaj ntsig yuav pib thawj hnub ntawm koj lub hli yug.

Yog tias koj tsis tuaj sau npe thaum lub sijhawm ntxov, koj tseem tuaj yeem sau npe thaum lub sijhawm koj lub hnub yug thiab rau 3 lub hlis tom qab, tabsis kev fajseeb yuav qeeb.

Lub sijhawm thawj lub sijhawm nkag, koj tuaj yeem tso npe hauv ntu A, B, C, thiab D.

Tso npe dav dav: Lub Ib Hlis 1 txog Peb Hlis 31

Yog tias koj qhaj pib lub sijhawm nkag, koj tuaj yeem tso npe thaum pib ntawm txhua xyoo, tab sis koj cov kev pab yuav tsis pib kom txog thaum Lub Xya Hli 1. Cov ntawv sau npe qeeb yuav txhais tau tias koj yuav raug nplua thaum twg koj kos npe.

Tom qab tso npe dav dav, koj tuaj yeem tso npe rau Medicare Advantage txij lub Plaub Hlis 1 txog Lub Rau Hli 30.

Medicare Advantage qhib kev rau npe nkag: Lub Ib Hlis 1 txog Lub Peb Hlis 31

Yog tias koj twb tau tso npe rau hauv Medicare Advantage txoj kev npaj lawm, koj tuaj yeem hloov cov phiaj xwm lossis hloov rov mus rau qhov qub Medicare thaum lub sijhawm no.

Medicare qhib rau npe nkag: Lub Kaum Hlis 1 txog Kaum Ob Hlis 31

Kuj tseem hu ua lub sijhawm rau npe nkag txhua xyoo, qhov no yog lub sijhawm uas koj yuav:

• hloov ntawm Medicare thawj zaug mus rau Medicare Advantage
• hloov los ntawm Medicare Advantage mus rau thawj Medicare
• hloov los ntawm ib qho phiaj xwm Medicare Advantage mus rau lwm qhov
• hloov los ntawm Medicare Part D (tshuaj muab tshuaj) kom them rau lwm

Lub sijhawm sau npe tshwj xeeb

Koj tuaj yeem tso npe rau hauv Medicare tsis tas tos qhib kev rau npe los ntawm kev tsim nyog rau lub sijhawm nkag tshwj xeeb. Qhov no yuav tshwm sim feem ntau yog tias koj poob qhov kev pab them nqi raws li phiaj xwm kev txhawb nqa los ntawm chaw ua haujlwm, tsiv tawm ntawm koj txoj kev npaj kev pab them nqi, lossis koj txoj kev npaj tsis muaj qee yam vim li cas.

Cov lus qhia rau kev cuv npe hauv Medicare hauv Indiana

Nws yog ib qho tseem ceeb uas yuav tau ntsuam xyuas koj cov kev xav tau kev noj qab haus huv thiab nyeem txhua lub phiaj xwm kom zoo, koj tuaj yeem xaiv qhov uas muaj qhov kev pov hwm zoo tshaj plaws rau koj cov kev xav tau. Ua tib zoo xav:

• txawm hais tias koj xav tau daim npav Medicare lossis Medicare Advantage qub
• yog tias koj cov kws kho mob xav tau nyob hauv Medicare Advantage phiaj xwm 's network
• dab tsi tus nqi them, qhov txiav tawm, cov nqi them, cov nqi them ntawm tus nqi, thiab tus nqi them tus nqi sab nraud yog rau txhua qhov phiaj xwm

Txhawm rau zam kev rau txim nkag lig, sau npe rau txhua ntu ntawm Medicare (A, B, thiab D) lossis paub tseeb tias koj muaj lwm yam kev pab them nqi, xws li kev npaj txhawb los ntawm cov tswv haujlwm, thaum koj muaj 65 xyoo.

Cov chaw muab kev pab hauv Indiana

Yog tias koj xav tau cov ntaub ntawv ntxiv lossis pab nkag siab txog koj cov kev xaiv Medicare hauv Indiana, cov kev pab no muaj:

• Indiana Lub Tuam Txhab Saib Xyuas Nyiaj Pov Hwm, 800-457-8283, uas qhia txog Medicare, kev sib pab zoo rau Medicare, thiab pab them rau Medicare
• Indiana Cov Nyiaj Pab Nyiaj Pov Hwm Kev Nyab Xeeb (SHIP), 800-452-4800, uas cov neeg ua haujlwm pab dawb teb cov lus nug thiab pab koj txog kev rau npe Medicare
• Medicare.gov, 800-633-4227

Kuv yuav ua licas txuas ntxiv mus?

Nov yog cov lus qhia los pab koj sau npe rau hauv Medicare:

• Sau txhua cov ntaub ntawv lossis ntaub ntawv hais txog koj cov tshuaj thiab kev mob.
• Nug koj tus kws kho mob seb qhov kev pab them nqi kho mob lossis Medicare txoj kev pab them nqi lawv txais lossis koom nrog rau hauv.
• Xav seb koj lub sijhawm teev npe nkag yog dab tsi thiab cim koj lub caij nyoog.
• Sau npe rau Ntu A thiab Tshooj B, tom qab ntawd txiav txim siab yog tias koj xav tau Medicare Advantage txoj kev npaj khomob.
• Xaiv lub phiaj xwm nrog qhov kev pab koj xav tau thiab cov chaw muab kev pabcuam koj nyiam.

Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 20, 2020, kom pom zoo 2021 Cov ntaub ntawv Medicare.

Cov ntaub ntawv ntawm lub vev xaib no tuaj yeem pab koj txiav txim siab tus kheej txog kev tuav pov hwm, tab sis nws tsis yog yuav pab tswv yim txog kev yuav khoom lossis kev siv cov khoom pov hwm lossis kev tuav pov hwm. Healthline Media yuav tsis hloov lag luam ntawm kev tuav pov hwm tsis hais yam twg thiab tsis tau ntawv tso cai raws li cov tuam txhab pov hwm lossis cov neeg tsim khoom hauv ib cheeb tsam ntawm Teb Chaws Asmeskas. Healthline Media tsis tau qhia lossis pom zoo rau ib tog neeg thib peb uas ua lag luam ntawm kev tuav pov hwm.