Kaalmada Kharashka Daryeelka Caafimaadka
Medicare
Kaa caawinaya inaad awood u yeelato daryeelka aad u baahan tahay.
Dheefta oo Kooban
Shaqaalaha daryeelka guriga ee xaqa u leh iyo taageerada shakhsi ahaaneed ee haysta Medicare, faa'iidooyinka Caawimada Kharashka Daryeelka Caafimaadka ayaa ka caawin doona kharashyada:
- Khidmadaha billaha ah ee Medicare Qeybta B (ilaa $164.90/bishii sanadka 2023)
- Khidmadaha billaha ah ee Medicare Qaybta D, Qorshayaasha Dheeraadka ah ama qorshayaasha Advantage (ilaa $50/bishii sanadka 2023)
- Kharashyada jeebka ka baxsan, sida kuwa laga jaro, lacag-wadaaga, ceymiska iyo warqadaha daawada ee adeegyada uu daboolo Medicare (ilaa $6,900 sanadka 2023)
Qadarka lacag-celinta waxa laga yaabaa inay isbedesho sannadba sannad.
Haddii aad u qalanto dheefaha Caawinta Kharashka Daryeelka Caafimaadka, waxaad heli doontaa Kaarka Dheefta ku habboonaanta (kaarka deynta Mastercard) si aad u bixiso kharashyadaada caafimaad ee jeebka ka baxsan. Kaarku waxa uu ka iman doonaa Ameriflex (Maamulaha Habboon ee Faa'iidooyinka). Si aad u hesho macluumaad dheeraad ah oo ku saabsan Kaarka Dukaameysiga ee Dheefta iyo sida loo isticmaalo, guji halkan.
Waxyaabaha Muhiimka ah ee ay Tahay in la Ogaado
- Haddii aad ka weyn tahay 65 (ama 65 jir saddexda bilood ee soo socda) oo aanad hore uga helin jeeg bille ah Lambarka Bulshada, waxaad u baahan tahay inaad iska diiwaangeliso si aad u hesho Medicare Qaybta A (Caymiska Cisbitaalka) iyo Qaybta B (Caymiska Caafimaadka). Waxaad iska diiwaan gelin kartaa onlaynka ah ssa.gov/benefits/medicare/ ama telefoon ahaan 1-800-772-1213.
- Haddii aad ka yar tahay 65 oo aad xaq u leedahay Sooshiyaal Sekiyuuritiga naafo darteed, waxa kale oo aad xaq u yeelan kartaa Medicare. Waa in lagugu ogeysiiyaa Lambarka Bulshada heerka u-qalmitaankaaga iyo talaabooyinkaaga xiga.
- Xusuusnow in Kaalmada Kharashka Daryeelka Caafimaadka ee Carewell SEIU 503 aysan ahayn mid ay kafaala-qaadaan loo-shaqeeyaha ama caymiska caafimaadka kooxda. Haddii aad si khaldan ugu warbixiso Maamulka Lambarka Bulshada in aad leedahay caynsanaan kooxeed, diiwaangelintaada Medicare dib ayaa loo dhigi karaa.
- Haddii aad u isticmaalaysay Kaarka Dukaameysiga ee Dheefta si aad u bixiso khidmadaha qorshaha Goob-Suuqeedka, hal farqi weyn oo u dhexeeya markaad aado Medicare waa inaadan u isticmaali karin Kaarka Dukaameysiga ee Dheefta khidmadaha Medicare. Taa beddelkeeda waxaad u baahan doontaa inaad codsato in laguu soo celiyo khidmadaha Medicare. Macluumaad dheeraad ah ayaa laga heli karaa Lacag celinta tabka hoose.
Waxaan munaasabado waxbarasho oo onleen ah ku bixinaynaa Zoom si lagaaga caawiyo inaad wax badan ka ogaato dheefahaaga Carewell!
Medicare iyo Kaalmada Kharashka Daryeelka Caafimaadka 101 – Jimcaha ugu horeeya ee bil walbo. (Munaasabadan waxa lagu bixiyaa Ingiriis oo kaliya wakhti xaadirkan.)
Kooxda Dheefaha ee Carewell iyo hay'addaha caymiska ee nala-hawlgalo, Valley Insurance Professionals, ayaa eegi doona waxyabaaha aasaasiga u ah Medicare iyo sida ka qaybgalayaasha xaqa u leh Medicare ay u isticmaali karaan dheefta Kaalmada Kharashka Daryeelka Caafimaadka.
Guji halkan si aad u hesho faahfaahin dheeraad ah.
Eeg Xaq u Yelashada
Macluumaadkan waxaa loogu talagalay dadka qaata Medicare: Dadka waayeelka ah ee 65 jirka ah iyo sidoo kale dadka waaweyn ee ka yar 65 ee naafada ah. Maamulka Lambarka Bulshada ayaa go'aamiya u-qalmitaankaaga dheefaha Medicare.
Si aad u aragto haddii aad u qalanto Kaalmada Kharashka Daryeelka Caafimaadka, fadlan buuxi su'aalahan u-qalmitaanka.
Diiwaangelinta
Talaabooyinka diwaangelinta
Si aad isu diiwaan geliso Caawinta Kharashka Daryeelka Caafimaadka, waxaad u baahan doontaa:
Buuxi waraaqaha Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare ee loo baahan yahay
Foomamka Warqadaha ah ee Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare (Dijitaal ah)
Foomamkani waxay siinayaan kooxda Dheefaha Carewell SEIU 503 iyo la-hawlgalayaasheeda ogolaansho sharci ah si ay kaaga caawiyaan cilmi-baaris ku samaynta, diiwaangelinta iyo ilaalinta caymiskaaga Medicare (Medicare Supplement, Advantage ama Part D plan).
Waa inaad buuxiso warqadahan marka koowaad ee aa aad u wareegto caymiska Medicare, iyo markale wakhti kasta oo wax laga baddelo caymiska.
Soo gudbi foomka sheegashada lacag celinta
U soo gudbi foomka dalabka lacag celinta Carewell SEIU 503 oo wata caddaynta khidmadaada caymiska bil'laha ah ee Qaybta B iyo caddaynta khidmadahaaga caymiska Qaybta D, Supplement, ama Advantage, haddii ay jiraan.
Foomka Magdhawga Medicare (Dijitaal) Caddaynta Qaybta B, isticmaal Sooshiyaal Sekiyuuritiga ee sannadlaha ah. Caddaynta ugu badan ee Qaybta D, Faa'iidada, ama khidmadaha Dheeraadka ah waa qaansheegta tusinaysa qaddarka caymiska ee qorshahaas.
Ikhtiyaar
Haddii aad jeclaan lahayd inaad ku hesho lacagtaada Medicare lacag wareejinta elektrooniga ah, fadlan buuxi foomkan Lacag Wareejinta Elektrooniga ah ee ammaanka ah oo wata sawirka jeegga la joojiyay.
Foomka Lacag Wareejinta Elektrooniga ah (Dijitaal ah)
Carewell SEIU 503 ayaa kuu magdhawi karta kharashyadaada Medicare ee sanadki kalandarka ee la soo dhaafay, haddii aad xaq u lahayd dheefaha Kaalmada Kharashka Daryeelka Caafimaadka wakhtigaas. Fadlan soo gudbi Medicare Reimbursement Claim Form (Foomka Sheegashada Lacag-celinta Medicare) oo leh:
- Caddaynta bixinta khidmadaha adeegga ceymiskaaga bil'laha ah ee sanadki hore ee Qaybta B, iyo sidoo kale Qaybta D, khidmadaha bil'laha ah ee caymisyada Supplemental, ama Advantage, haddii ay jiraan;
- Rasiidhada muujinaya kharashyadaada caafimaadka ee aad jaabka ka bixiso ee adeegyada ay dabarto Medicare.
Xaqiijinta Diiwaangelinta
Waxaad ogaan doontaa inaad ka qoran tahay Kaalmada Kharashka Daryeelka Caafimaadka ee caymiskaaga Medicare marka:
- Aad ku hesho jeeg boostada ama lacag wareejinta elektrooniga ah oo ku dhacda akoonkaaga bangiga kuwaas oo ah khidmadahaaga caymiska bil'laha ah oo aad ka hesho Carewell SEIU 503.
- Aad ku hesho Kaarka Dukaameysiga ee Dheefta boostada si aad isaga bixiso kharashyadaada caafimaadka ee aad jaabka ka bixiso.
- Aad boostada ku hesho xirmo soo dhawayn ah oo ka socota Carewell SEIU 503 oo leh macluumaadka ku saabsan caymiskaaga, siyaasadaha asturnaanta, iyo Su'aalaha Inta Badan La Is Weydiiyo ee ku saabsan isticmaalka Kaarka Dukaameysiga ee Dheefta.
Haddii aadan helin lacag-celintaada khidmadaha caymiska ee Medicare 10-ka bisha, fadlan ka wac Carewell SEIU 503 lambarka 1-844-503-7348.
Fadlan xor u noqo inaad naga soo wacdo si aad u xaqiijiso u-qalmitaankaaga Kaalmada Kharashka Daryeelka Caafimaadka lambarka 1-844-503-7348.
Faahfaahinta Dheefaha
Isticmaal Dheeftan
Adigoo Isticmaalaya kaarkaaga
U isticmaal kaadhkaaga waxtarka kharashyada jeebka ka baxsan ee ay daboolayso Medicare Qaybta B, Qaybta D, Qorshayaasha Dheeraadka ah iyo Faa'iidada, sida lacagaha lagaa jarayo, lacag-wadaaga, gunnada, iyo warqadaha daawada. Waxaa laga yaabaa in lagu weydiiyo inaad muujiso caddaynta kharashyadaada, markaa hayso Sharaxaada Faa'iidooyinka iyo dhammaan rasiidhada.
Ma isticmaali kartid kaadhka waxtarka leh:
- ee khidmadaha Medicare (hoos ka eeg macluumaadka habka lacag-celinta ee khidmadaha Medicare);
- daryeelka ilkaha, daryeelka aragga iyo adeegyada maqalka;
- kharashyada caafimaadka ee ay helaan xaaskaaga ama kuwa kugu tiirsan.
Ballan qabso
Fadlan ka hubi bixiyaha xanaanada caafimaadkaaga ka hor inta aanad ballan samayn si aad u hubiso in bixiyahaaga uu ku jiro Medicare iyo adeegyada lagu dabooli doono caymiskaaga Medicare.
Xafidi Dheeftaada
Si loo hubiyo inaad sii wadato helista faa'iidooyinka Caawimada Kharashka Daryeelka, fadlan xasuusnoow:
- Inaad soo gudbiso warqadahaaga saacadaha la shaqeeyay iyo/ama foojarada mushhaharka dhamaadka wakhti kasta oo lacag bixin;
- Inaad iska ilaaliso inaad soo diiwaangeliso eber (0) saacadood oo ah saacadaha shaqada u xaqa leh – oo sidoo kale loo yaqaano saacadaha kooxda gorgortanka – 2 bilood oo isku xigta. Inaad 2 bilood soo gudbiso saacado shaqo oo eber (0) ah waxay keeni kartaa inaad lumiso u-qalmitaankaaga faa'iidooyinka Carewell SEIU 503, oo ay ku jirto Caawinta Kharashka Daryeelka Caafimaadka;
- Inay ahaato tii ugu danbeeyay xogtaada khaaska ee ay hayaan Carewell SEIU 503 iyo loo-shaqeeyahaaga (gobolka, degmada, ama dallaalayda);
- Inaad ku siiso khidmadahaaga caymiska shirkada caymiska waqtigii loogu talagalay, ama shirkadaada caymiska ayaa joojin karta qorshahaaga caymsika;
- Inaad hubiso oo aad ka jawaabto boostada kaaga imaanaysa Carewell SEIU 503, shirkada caymiskaaga, Ameriflex, iyo Maamulka Sooshiyaal Sekiyuuritiga;
- Inaad la socoto xaraynta cashuurtaada.
Magdhawyo
Lacag-celinta Premium Medicare
Haddii aadan helin lacag-celintaada khidmadaha caymiska ee Medicare 10-ka bisha, fadlan ka wac Carewell SEIU 503 lambarka 1-844-503-7348.
Foomka Sheegashada Lacag-celinta Medicare (Digital)
U isticmaal Foomka Sheegashada Lacag-celinta Medicare si aad u soo celiso kharashaadkaaga caymiska ee Medicare.
Waxaad u baahan doontaa inaad soo gudbiso foom lacag celin ah oo ay ku jiraan caddaynta khidmadahaaga Qaybta B, iyo khidmadahaaga Qaybta D, Qorshayaasha Dheeraadka ah, ama Advantage plans, haddii ay jiraan. Tani waxay u baahan tahay in loo gudbiyo Carewell SEIU 503 marka ugu horraysa ee aad xaq u yeelato Kaalmada Kharashka Daryeelka Caafimaadka, iyo mar kasta oo qaddarka khidmada caymiskaagu is beddelo (badanaa hal mar sannadkii).
Lacag-celinta Lacagaha Jeebka Laga Bixiyo
Foomka Lacag-celinta Ameriflex (Digital)
Haddii aad kubixisay wax ah kharashkyada jeebka laga bixiyo ee xaqa leh lacagahaaga gaarka ah, waxaad u baahan doontaa inaad u gudbiso foomka sheegashada magdhawga Carewell SEIU 503. Fadlan raaci nuqulka rasiidhkaaga ama dukumiintiga Sharaxaadaha Dheefaha. Tani waxay dhici kartaa haddii aad hesho adeegyo ka dib marka aad xaq u yeelato Kaalmada Kharashka Daryeelka Caafimaadka balse ka hor inta aadan helin Kaarka Dukaameysiga ee Dheefta.
Debaajiga tooska ah
Foomka Lacag Wareejinta Elektrooniga ah (Dijitaal ah)
Waxaan kugula talineynaa in aad isdiiwaangeliso deebaaji toos ah si aad u hesho lacag celintaada si dhakhso ah: haddii aad buuxiso foomka deebaajiga tooska ah, lacag celintaada waxaa lagu soo dhejin doonaa akoonkaaga dhamaadka bisha soo socota. Haddii aad filayso in jeeg lagugu soo celiyo, waxay ku qaadan doontaa 5 ilaa 15 maalmood oo shaqo xafiiska boostada si uu jeegga u keeno. Haddii laga soo gudbay wax ka badan 15 maalmood oo shaqo tan iyo markii aad gudbisay macluumaadkaaga lacag celinta, waxaad ku hubin kartaa xaalada lacag celintaada adigoo ka wacaya Carewell SEIU 503 lambarka 1-844-503-7348.
Dib u cusbeysiin
Si aad u sii waddo helista Kaalmada Kharashka Daryeelka Caafimaadka ee caymiskaaga Medicare, fadlan xasuuso inaad:
- U buuxiso foomka sheegashada magdhawga oo cusub khidmadaha Qaybta B haddii khidmadaada ay isbedeshay — oo ay la socoto caddaynta qaddarka khidmadaada cusub.
- U buuxiso foomka sheegashada magdhawga oo cusub sanad walba haddii aad leedahay Qaybta D, Supplemental, iyo/ama Advantage plan -oo ay la socoto caddaynta qaddarka khidmadaada cusub.
- Soo gudbi waraaqaha Medicare mar labaad haddii aad wax isbeddel ah ku samaysay caymiskaaga sida ku darista Qaybta D ama Advantage plan.
Maamulka Sooshiyaal Sekiyuuritiga waxy guud ahaan ku dhawaaqeen khidmadaha Qaybta B oo cusub Nofeembar. Haddii aad leedahay Advantage, Qaybta D, or Ceymiska Dheeraadka ah, waa inaad hesho biilkaaga cusub Diseembar. Fadlan buuxi tillaabooyinka kore isla marka aad ogaato khidmadaha cusub.
Macluumaadka Meesha Lagala Xidhiidho
Valley Insurance Professionals
1-503-480-0499 (ballaarinta 7)
Sababaha loola xidhiidho Valley Insurance Professionals:
- Haddii aad u wareegayso caymiska Medicare: xilliga isdiiwaangelintaada bilowga ah waxay bilaabmaysaa saddex bilood ka hor dhalashadaada 65-aad, ama taariikhda dhaqangalka ee Qaybta B ee naafanimadaada, kadibna waxay sii socon doontaa saddex bilood — a soo wac wakhti kasta muddadan lixda bilood si aad nagala hadasho doorashooyinkaaga qorshaha Medicare!
- Haddii aad rabto inaad iska diiwaangeliso Qaybta D, Qorshaha Kaalmada ama Faa'iidada , guud ahaan iska qori kartaa qorshayaashaas muddada diiwaangelintaada hore ama inta u dhaxaysa Oktoobar 15 iyo Diseembar 7.
Xafiiska Amniga Bulshada
La xidhiidh Xafiiska Sooshiyaal Sekiyuuritiga si aad iskuugu diiwaangeliso Medicare Qaybta A iyo B. La xidhiidh Xafiiska Sooshiyaal Sekiyuuritiga isla marka ay bilaabato wakhtiga isdiiwaangelintaada hore, saddex bilood ka hor dhalashadaada 65-aad.
Apply online: www.ssa.gov/benefits/medicare
Ka coso Moobaylka: 1-800-772-1213 laga bilaabo 7 subaxnimo ilaa 7 galabnimo, Isniin – Jimco. Haddii aad tahay dhagool ama maqal kugu adag, waxaad wici kartaa TTY 1-800-325-0778.
Ameriflex
1-888-868-3539
Markaad soo wacayso, fadlan isu sheeg inaad tahay shaqaalaha daryeelka guriga iyo taageerada shaqsiyeed ee helaya dheefaha Carewell SEIU 503, oo sidoo kale hayso Kaarkaaga Dukaameysiga ee Dheefta.
Bogga onlaynka ah ee Ameriflex
Halkan riix si aad waxbadan uga ogaato ablikeeshinka mobeelka ee Ameriflex
Sababaha loola xiriiri karo Ameriflex:
- Si aad u hubiso hadhaaga kaadhkaaga Faa'iidada, dib u eeg taariikhda lacag bixinta, dalbo kaadhka beddelka, iwm.
- Haddii kaadhkaagii ku haboona ee dheefaha la diiday oo aanad awoodin inaad lacag bixiso
SHIBA (Barnaamijka Caawinta Caymiska Caafimaadka ee Waayeelka)
1-800-722-4134 (wicitaanka bilaashka ah)
Waybsaydhka SHIBA ee Oregon.gov site
Kala xiriir SHIBA wixii talo ah ee ku saabsan:
- Sida la iskuugu diiwaangeliyo Medicare
- Sida loo buuxiyo waqtiyada kama dambaysta ah loogana fogaado ganaaxyada
- Xuquuqda iyo ilaalinta
- Daboolista iyo ka saarida
- Xeerarka lagu helo manfacyada
- Kharashyada la xidhiidha Medicare
Ogoow: La-taliyayaasha SHIBA waxay u badan tahay inaysan ka warqabin dheefaha Carewell SEIU 503 umana qalmaan inay ka jawaabaan su'aalaha ku saabsan iyaga.
Su'aalaha Inta Badan Laisweeydiiyo
Akhri su'aalaha caadiga ah ee ku saabsan Kaalmada Kharashka Daryeelka Caafimaadka ee caymiska Medicare. Arag Su'aalaha Badanaa La Isweydiiyo wixii macluumaad dheeraad ah.
Waxaad sidookale dhigaalo dheerad oo ku saabsan Medicare ka heli kartaa boggeena intarnetka ee, seiu503training.org.
Macluumaadka dadka u gudbaya Medicare
Haddii aad hadda ku jirto qorshaha caymiska Goobta-Suuqeedka, waxaad u baahan doontaa inaad qaado tillaabooyin aad ku joojinayso qorshahaaga goobta Suuqa maalin ka hor inta uusan qorshahaaga Medicare bilaabin. Wakiilada jooga Valley Insurance Professionals ayaa laga yaabaa inay ka caawiyaan taas – wac 1-844-503-7348 si aad u hesho kaalmo. Sidoo kale, haddii aad hore u haysatay Kaarka Dukaameysiga ee Dheefta, fadlan yuusan kaa fakanin. Waxaad sii wadi kartaa inaad u isticmaasho lacagta lagaa jaro, khidmadaha adegga ceymiska, kharashyada lacagaha haraaga lacag jarista kadib, iyo daawoyinka dhakhtarku qoro ee Medicare inta aad u sii qalanto Kaalmada Kharashka Daryeelka Caafimaadka. Sikastaba ha ahaatee, uma isticmaali kartid Kaarkaaga Dukaameysiga ee Dheefta khidmadahaaga Medicare.
Immisa lacag ah ayaa ku jirta Kaarkayga Dukaameysiga ee Dheefta?
Kaarka Dukaameysiga ee Dheefta waxa hore loogu sii shubay lacagta sannadlaha ah ee lagu bixinayo khidmadaha adegga ceymiska ee caafimaadka iyo daawooyinka dhakhtarku qoro, lacgaha la jaro, iyo kharashyada lacagaha haraaga lacag jarista kadib ee adeegyada caymiska leh iyo dawooyinka dhakhtarku qoray. Sanadka 2023, lacagtaasi waa $6,900, laakiin tani way isbedeli kartaa sanadba sanadka ka dambeeya.
Miyuu Hadhaagayga haray u wareegayaa qaddarka lacagta sanadka soo socda?
Maya. Qadarka ugu badan ee laguu soo celin karo kharashyada la daboolay ee galay sanad kasta waa qadar go'an ee sanadkaas. Qayb kasta oo aan la isticmaalin sanadkan looma wareejin karo in lagu bixiyo kharashaadka la galay sanadka soo socda.