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Goorma ayaad isku diiwaangelin kartaa qorshaha caafimaadka laba geesoodka ah haddii aad haysato Medicaid iyo Medicare?
La Soo Geliyay: Janaayo 17, 2020
Taariikhda Ugu Dambaysay ee La Cusbooneysiiyay: Diseembar 01, 2023
Sidaas darteed, markaad ogaato inaad u-qalanto qorshaha caafimaadka ee laba geesoodka ah, maxaa xiga? Goorma ayaad isdiiwaangelin kartaa? Jawaabtu waxay ku xiran tahay xaaladaada gaarka ah. Hoos waxaa ku yaala waxa aad u baahan tahay inaad ogaato si aad u awooddo inaad u sheegto goorta aad isdiiwaangelin karto ama beddelan karto qorshaha caafimaadka ee laba geesoodka ah.
Hel hagahaaga qorshaha laba geesoodka ah oo bilaash ah
Wax kasta oo aad uga baahan tahay inaad ka ogaato qorshayaasha Laba Geesoodka ah ee Baahiyaha Gaarka ah oo ku jira hal hage oo habboon.
Ma ahan inaad sugto.
Muddada Diiwaangelinta Sannadlaha ah ee Medicare (AEP) waxay dhacdaa sanadkii hal mar gudaha xilliga dayrta. Taasi waa marka qof kasta oo u-qalma Medicare ay beddeli karaan qorshahooda caafimaadka Laakiin haddii aad u-qalanto Qorshaha Laba Geesoodka ah ee Dadka Qaba Baahiyaha Gaarka ah DSNP, ma ahan inaad sugto. Waxaa laga yaabaa inaad isla markiiba isdiiwaangeliso.
Waxaa laga yaabaa inaad u-qalanto inaad isdiiwaangeliso maanta haddii aad:
- Tahay 65 oo si cusub ugu qalanto Medicare ama qabto naafonimo loogu qalmi karo.
- Hawlgab noqonayso oo aad luminayso caymiskaaga jira.
- Ka guurtay aagga adeegga qorshahaaga Medicare ee jira.
- Qabto xaalad dabadheeraatay sida sonkorow ama wadna xanuun joogto ah.
- Hel macaashyada Medicaid.
Maxaa dhacaya haddii aad horay u haysatay Medicare iyo Medicaid labaduba?
Waxaad isku diiwaangelin kartaa ama beddeli kartaa laba qorshe hal mar Muddada Diiwaangelinta Gaarka ah (SEP) ama inta lagu gudajiro Muddada Diiwaangelinta Sannadlaha ah ee Medicare (AEP). Kadib marka aad isku diiwaangeliso qorshaha caafimaadka ee laba geesoodka ah uma baahnid inaad dib u cusboonaysiiso. Ilaa iyo inta aad u-qalmato, qorshaha caafimaadkaaga ee laba geesoodka ah ayaa si toos ah loo cusboonaysiin doonaa sannad kasta. Balse waxaad u baahan tahay inaad dib u caddayso Medicaid sanad walba si aad ugu qalanto qorshaha caafimaadka ee laba geesoodka ah.
Goorma ayuu caymiskaagu bilaabmayaa?
Taasi waxay ku xiran tahay markaad iska diiwaangeliso qorshaha caafimaadka oo laba geesoodka ah.
| Haddii Aad Isdiiwaangeliso: | Caymiskaaga Ayaa Bilaabanaya: |
| Marka ugu horraysa ee aad u-qalanto | Maalinta ugu horraysa ee bisha aad u-qalanto Medicare |
| Inta lagu jiro Muddada Diiwaangelinta Gaarka ah (SEP) | Maalinta ugu horraysa ee bisha soo socota |
| Inta lagu jiro Diiwaangelinta Sannadlaha ah (AEP) | Maalinta ugu horraysa ee sannadka soo socda |
Isku diiwaangeli sida ugu dhakhsaha badan ee aad awooddo.
Marka aad sida ugu dhakhsaha badan ee aad awooddo isku diiwaangeliso, waxaad si dhakhso ah ugu raaxaysan kartaa dhammaan dheefaha dheeraadka ah* ee la socda qorshaha caafimaadka ee laba geesoodka ah.
Taariikhaha muhiimka ah si aad isugu diyaariso Muddada Diiwaangelinta Sannadlaha ah ee Medicare:
| Taariikhda Muhiimka ah | Sharaxaada |
| Oktoobar 1 | Start looking for dual health plans available where you live |
| Oktoobar 15 | First day of AEP, when you can enroll or switch to a dual health plan for the next calendar year |
| Diseembar 7 | Last day you can enroll in a plan before AEP ends |
| Janaayo 1 | The day your new plan becomes active if you enroll during AEP |
*Dheefaha iyo sifooyinka way ku kala duwan yihiin qorshe/aag kasta. Xaddidaado iyo ka-dhaafitaano ayaa khuseeya.
Ogow qorshayaasha UnitedHealthcare ee ka jira aaggaaga
Qorshaha labada caymis ee loo qalmo ama macaashyada qorshaha Medicaid way isbeddeli karaan iyadoo ku xiran halka aad ku nooshahay. Ku raadi adigoo isticmaalaya koodhka cinwaankaaga si aad u hesho qorshaha saxda ah ee dabooli kara baahiyaha daryeelka caafimaadkaaga.