Kaalmada Kharashka Daryeelka Caafimaadka
Medicare
Kaa caawinaya inaad awood u yeelato daryeelka aad u baahan tahay.
Dheefta oo Kooban
Shaqaalaha daryeelka guriga iyo taageerada shakhsi ahaaneed ee xaqa u leh ee haysta Medicare, faa’iidooyinka Caawimada Kharashka Daryeelka Caafimaadka ayaa caawinaad ka geysanaya kharashyada:
- Khidmadaha billaha ah ee Medicare Qeybta B (ilaa $185/bishii sanadka 2025)
- Khidmadaha billaha ah ee Medicare Qaybta D, Supplement, ama qorshayaasha Advantage (ilaa $50/bishii sanadka 2025)
- Kharashyada jeebka ka baxsan, sida kuwa laga jaro, lacag-wadaaga, ceymiska iyo warqadaha daawada ee adeegyada uu daboolo Medicare (ilaa $7,165 sanadka 2025)
Qadarka dheefaha Kaalmada Kharashka Daryeelka Caafimaadka waxa laga yaabaa inay isbedesho sannadba sannad.
Haddii aad u qalanto dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare:
- Khidmadaha caymiska ee sida billaha ah loo bixiyo ayaa dib loo soo celiyaa iyadoo loo gudbinaayo codsiga Kaalmada Kharashka Daryeelka Caafimaadka Medicare. Marka codsigaaga la habeeyo oo la oggolaado, waxaad heli doontaa lacag celin bille ah oo ah khidmadahaaga caymiska ee sida billaha ah aad u bixiso.
- Waxaad heli doontaa Kaarka Dukaameysiga ee Dheefta (kaarka kiridhitka ee Mastercard-ka) si aad isaga bixiso kharashyadaada caafimaadka ee la daboolay ee aad jaabkaada ka bixisay. Kaarku waxa uu ka imanayaa Ameriflex (Maamulaha Kaarka Dukaameysiga ee Dheefta). Si aad u hesho macluumaad dheeraad ah oo ku saabsan Kaarka Dukaameysiga ee Dheefta iyo sida loo isticmaalo, guji halkan.
Haddii aad u qalanto Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare sanadka hadda oo aadna u qalantay sannadkii hore (ilaa 12 bilood oo la soo dhaafay), waxaad u soo gudbin kartaa dukumeentiyada loo baahan yahay labada sanoba isku mar.
- Tusaale ahaan, haddii aad ogaato Maarso 2025 in aad u-qalantay HCA ee Medicare Sebtembar-tii lasoo dhaafay ee 2024, kadib soo gudbi dukumeenti labada sanoba ah.
Waxyaabaha Muhiimka ah ee ay Tahay in la Ogaado
Codso Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare
Sannad kasta, waxaad codsaneysaa Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare adoo soo gudbinaya dukumentiyadan loo baahan yahay:
- Qaybta B: warqadaada Sooshiyaal Sekiyuuritiga ama Biilkaada Khidmada Caymiska Bil’laha ah ee Medicare.
- Qaybta D, Supplement, iyo/ama qorshaha Advantage: biilkaada khidmadaha caymiska ee sida billaha ah loo bixiyo
Ka eeg muunadaha biilasha khidmadaha caymiska ee sida billaha ah loo bixiyo ee Medicare halkan.
Waxaad u sameyn kartaa tan 1 ka mid ah 2 siyaabood:
1. Soo gudbi Foomka Codsashada Dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare: Foomkan waxa loo isticmaalaa in lagu soo gudbiyo dukumeentiyada loo baahan yahay si loo codsado in dib laguugu soo celiyo qayb ka mid ah khidmadaha caymiska sida billaha ah loo bixiyo ee Medicare oona loogu helo deeqo lacag kharashaadka caafimaadka ee uu qofka jeebkiisa ka bixiyo.
2. Si sugan u gal MyCarewell503.org (lagu heli karo Ingiriis):
- Guji “View or Update health Info (Eeg ama Cusbooneysii Macluumaadka Caafimaadka)” ama “policy (qandaraas caymis)” ee ku hoos qoran Medical Insurance Info (Macluumaadka Caymiska Caafimaadka) ee bogga Dhaashboodhka
- Guji “add health insurance (ku dar caymis caafimaad)” ama “add another policy (ku dar qandaraas caymis oo kale)”
- Haddii aad horeyba u lahayd qandaraas caymis, waxaad u baahan tahay inaad “Terminate this policy (Joojiso qandaraaskan caymis)” taariikhda ka horraysa wakhtiga uu bilaabmayo Medicare-kaaga ama maalinta u dambaysa ee bisha hadda lagu jiro oona gujisaa “Save (Keydi)” ka hor intaadan gujin “Add Another Policy (Ku dar Qandaraas Caymis oo Kale)”
- Gudaha tusmada hoos u dhaadhaca “Policy Type (Nooca Qandaraaska Caymis)”, dooro waxaad ugu baahan tahay inaad cusboonaysiiso:
- “Medicare B”; ama
- “Medicare Part D, Advantage, ama qorshaha Supplement”
- Geli taariikhda iyo qadarka khidmada caymiska ee sida billaha ah loo bixiyo
Kasoo guurista caymiska Goob-suuqeedka iya u soo guurista Medicare
- Haddii aad heleyso dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee qorshaha ceymiska Goob-suuqeedka ee ay Carewell-ansixisay (HealthCare.gov), xaqiiji inaad isaga diiwaangeliso Medicare A iyo B adoo u maraaya Soshal Sekuritiga sida ugu dhakhsaha badan. Waxaad markaa ka codsan kartaa HCA Medicare marka aad isdiiwaangeliso.
- Haddii aad hadda haysato Kaarka Dukaameysiga ee Dheefta (BCC) sabab ah inaad u helayso dheefaha HCA qorshaha Goob-suuqeedka:
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- Hal farqi oo weyn ee Medicare waa inaadan u isticmaali karin BCC khidmadaha caymiska billaha ah ee Medicare. Taa beddelkeeda, waxaad u baahan tahay inaad codsato dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare si dib laguugu soo celiyo qayb ka mid ah khidmadahaaga caymiska ee billaha ah ee Medicare-ka.
- Waxaad sidoo kale u isticmaashaa inaad ku bixiso isla kaadhkan kharashyada jeebka aad ka baxineyso ee Medicare (caymis wadaagyada go’an ee ay daboosho Medicare, caymis wadaagyada boqolleyda ah, kharashyada lacagaha haraaga lacag jarista kadib, iyo daawoyinka dhakhtarku qoro ee Medicare inta aad u sii qalanto Kaalmada Kharashka Daryeelka Caafimaadka). Ma heli doontid kaar cusub marka aad ka soo guurto qorshaha Goob-suuqeedka oo aadna u soo guurto Medicare.
- Ka xusuusin ahaan, SEIU 503 Caawinta Kharashka Daryeelka Caafimaadka aysan ahayn mid ay kafaala-qaadaan loo-shaqeeyaha ama caymiska caafimaadka kooxda. Haddii aad si khaldan ugu warbixiso Maamulka Soshal Sekuritiga in aad leedahay caynsanaan kooxeed markaad isdiiwaangeliso, iska-diiwaangelintaada Medicare dib ayaa loo dhigi karaa. Haddi ay sidani dhacdo, ganaax lacageed ayuu qiimayn karaa Soshal Sekuritiga.
Macluumaadka Aasaasiga ah ee Medicare
- Waxaad haysataa wakhti xaddidan oo aad isaga diiwaangeliso Medicare oo loo yaqaan Muddada Is-diiwaangelinta ee Hore – 3 bilood ka hor dhalashadaada, bisha dhalashadaada, iyo 3 bilood ka dib bisha dhalashadaada. Haddii aadan is-diiwaangelin inta lagu jiro Xilliga Is-diiwaangelinta ee Hore, ganaax lacageed ayaa laga yaabaa in ay qiimeeyso Soshal Sekuritiga.
- Waxaad isaga diiwaangelin kartaa onlaynka Medicare A iyo B barta gov/benefits/medicare/ama aad ka wici kartaa Maamulka Soshal Sekuritiga lanbarka 1-800-772-1213.
- Inta lagu jiro Muddada Diiwaangelinta ee Hore, iyo inta lagu jiro Open Enrollment (Muddada Diiwaangelinta Sannadlaha ah) ee Medicare (sannad kasta laga bilaabo Oktoobar 15 ilaa Diseembar 7), waxaad iska qori kartaa Part D, Supplement, ama qorshaha Advantage ee aad doorato. Waxa kale oo aad isbeddel ku samayn kartaa qorshahaaga caymis ee horeyba u sii jiray inta lagu jiro wakhtigan. Shuraakadeena ee jooga Valley Insurance Professionals ayaa kaa caawin kara inaad isdiiwaangeliso caymiska dheeraadka ah ee Medicare. Ka wac iyaga 503-480-0499, adigoo gujinaaya tirada 7 si aad u sahamiso fursadahaaga.
- Haddii aad ka yar tahay 65 oo aad xaq u leedahay Sooshiyaal Sekiyuuritiga naafo darteed, waxa kale oo aad xaq u yeelan kartaa Medicare. Maamulka Soshal Sekuritigu waa inuu ku ogeysiiyaa marxalada u-qalmitaankaaga iyo talaabooyinkaaga xiga.
- Si aad u hesho caawimo dheeraad ah, ka eeg ilaha caawimmada Dheefta Caymiska Caafimaadka ee Waayeelka (SHIBA) barta shiba.oregon.gov.
- Ka xusuusin ahaan, SEIU 503 Caawinta Kharashka Daryeelka Caafimaadka aysan ahayn mid ay kafaala-qaadaan loo-shaqeeyaha ama caymiska caafimaadka kooxda. Haddii aad si khaldan ugu warbixiso Maamulka Soshal Sekuritiga in aad leedahay caynsanaan kooxeed markaad isdiiwaangeliso, iska-diiwaangelintaada Medicare dib ayaa loo dhigi karaa. Haddi ay sidani dhacdo, ganaax lacageed ayuu qiimayn karaa Soshal Sekuritiga.
Waxa kale oo aad ku soo biiri kartaa dhacdooyinkayaga onlaynka ah adigoo u soo maraaya Zoom si ay kaaga caawiyaan inaad wax badan ka barato oo aadna ugu hesho jawaabo su’aalaha ku saabsaan dheefahaaga Medicare iyo Carewell!
Learn & Connect (Baro & Ku Xidho): Medicare iyo Kaalmada Kharashka Daryeelka Caafimaadka 101 – Jimcaha ugu horeeya ee bil walbo. (Munaasabadan waxa lagu bixiyaa Ingiriisi wakhti xaadirkan.)
Inta lagu jiro siminaaradan tooska ah ee interneetka ka dhacaaya, kooxda Dheefaha Carewell iyo la-hawlgalayaashayada dhinaca caymiska, Xirfadlayaasha Caymiska ee Valley (Valley Insurance), waxay dib u eegaan aasaaska Medicare, oo ay ku jiraan sida iyo goorta la iska diiwaangelinaayo. Waxaan sidoo kale sharaxnaa sida ka qaybgalayaasha Medicare ee u qalma ay u isticmaali karaan dheefta Kaalmada Kharashka Daryeelka Caafimaadka si ay uga caawiso bixinta khidmadaha ceymis ee bilaha ah iyo qaar ka mid ah kharashyada uu qofku jeebkiisa ka bixiyo ee la daboolay.
Guji halkan wixii macluumaad dheeraad ah.
Eeg Xaq u Yeelashadaada
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.
Codso Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare
Gudbi dukumeentiyada loo baahan yahay
Sannad kasta, waxaad codsaneysaa Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare adoo soo gudbinaya dukumentiyadan loo baahan yahay:
- Qaybta B: warqadaada Sooshiyaal Sekiyuuritiga ama Biilkaada Khidmada Caymiska Bil’laha ah ee Medicare.
- Qaybta D, Supplement, iyo/ama qorshaha Advantage: biilkaada khidmadaha caymiska ee sida billaha ah loo bixiyo
Ka eeg muunadaha biilasha khidmadaha caymiska ee sida billaha ah loo bixiyo ee Medicare halkan.
Waxaad u sameyn kartaa tan 1 ka mid ah 2 siyaabood:
1. Soo gudbi Foomka Codsashada Dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare: Foomkan waxa loo isticmaalaa in lagu soo gudbiyo dukumeentiyada loo baahan yahay si loo codsado in dib laguugu soo celiyo qayb ka mid ah khidmadaha caymiska sida billaha ah loo bixiyo ee Medicare oona loogu helo deeqo lacag kharashaadka caafimaadka ee uu qofka jeebkiisa ka bixiyo.
2. Si sugan u gal MyCarewell503.org (lagu heli karo Ingiriis):
- Guji “View or Update health Info (Eeg ama Cusbooneysii Macluumaadka Caafimaadka)” ama “policy (qandaraas caymis)” ee ku hoos qoran Medical Insurance Info (Macluumaadka Caymiska Caafimaadka) ee bogga Dhaashboodhka
- Guji “add health insurance (ku dar caymis caafimaad)” ama “add another policy (ku dar qandaraas caymis oo kale)”
- Haddii aad horeyba u lahayd qandaraas caymis, waxaad u baahan tahay inaad “Terminate this policy (Joojiso qandaraaskan caymis)” taariikhda ka horraysa wakhtiga uu bilaabmayo Medicare-kaaga ama maalinta u dambaysa ee bisha hadda lagu jiro oona gujisaa “Save (Keydi)” ka hor intaadan gujin “Add Another Policy (Ku dar Qandaraas Caymis oo Kale)”
- Gudaha tusmada hoos u dhaadhaca “Policy Type (Nooca Qandaraaska Caymis)”, dooro waxaad ugu baahan tahay inaad cusboonaysiiso:
- “Medicare B”; ama
- “Medicare Part D, Advantage, ama qorshaha Supplement”
- Geli taariikhda iyo qadarka khidmada caymiska ee sida billaha ah loo bixiyo
Xaqiijinta Dheefaha Kaalmada Kharashka Daryeelka Caafimaadka
Waxaad ogtahay in laguugu ansixiyay Kaalmada Kharashka Daryeelka Caafimaadka 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 (BCC) boostada si aad isaga bixiso kharashyadaada caafimaadka ee aad jaabka ka bixiso.
Haddii aad hadda leedahay BCC sababtoo ah waxaad u helaysaa dheefaha HCA qorshe Goob-suuqeed, waxaad sidoo kale u isticmaaleysaa kaadhkan kharashyada jeebka aad ka bixineyso ee Medicare. Ma heli doontid kaar cusub marka aad ka soo guurto qorshaha Goob-suuqeedka oo aadna u soo guurto Medicare.
Waa inaad heshaa lacag-celintaada khidmadaha caymiska ee billaha ah ee Medicare 15-ka bisha.
Haddii aad uga baahan tahay caawimo wakiilada caymiska ee la-hawlgalayaasheena jooga Valley Insurance Professionals (VIP) kaaga ah qorshaha Medicare, Supplement ama Advantage, buuxi Warqaddaha VIP ee Medicare. Foomamkani waxay siinayaan Valley Insurance Professionals ogolaansho sharci ah si ay kaaga saacideeyaan cilmi-baaris ku samaynta, diiwaangelinta iyo ilaalinta caymiskaaga Qorshahaaga caymiska ee Medicare Supplement, Advantage, ama Part D.
Ka wac Carewell SEIU 503 lambarka 1-844-503-7348:
- Haddii aadan helinta lacagtaada ceymiska ah ee billaha ee Medicare 15-ka bisha.
- Si aad ballan uga qabsato VIP.
- Si aad u xaqiijiso u-qalmitaankaada Kaalmada Kharashka Daryeelka Caafimaadka.
Lacag-celinta Lacagaha Jeebka Laga Bixiyo
Tallaabooyinka lagu helo Magdhawga
Si dib laguugu soo celiyo kharashaadka aad xaqa u leedahay ee aad ka bixisay lacagtaada halkii aad ka bixin lahayd Kaarka Dukaameysiga ee Dheefta, waxaad u baahan tahay:
Lacag-celinada Kharashyada Medicare ee Uu Qofka Jaabkiisa Ka Bixiyo
Haddii aad ku bixisay wax ah kharashyada jeebka laga bixiyo ee u-qalma lacagahaaga halkii aad uga bixin lahayd Kaarka Dukaameysiga ee Dheefta, waxaad u baahan tahay inaad gudbiso Foomka Sheegashada Lacag-celinta ee Ameriflex.
Ku dar risiidhada muujinaya kharashyadaada caafimaadka ee aad jaabka ka bixisay ee adeegyada ay dabarto Medicare iyo Dukumiintigaaga Sharaxaadaha Dheefaha (EOB), ilaa 12-ki bilood ee la soo dhaafay. Haddii aad u qalanto Kaalmada HCA-ga Medicare sanadka hadda oo aadna u qalantay sannadkii hore (ilaa 12 bilood oo la soo dhaafay), waxaad u soo gudbin kartaa dukumeentiyada loo baahan yahay labada sanoba isku mar.
Tusaale ahaan, haddii aad ogaato Maarso 2025 in aad u-qalantay HCA ee Medicare Sebtembar-tii lasoo dhaafay ee 2024, kadib soo gudbi dukumeenti labada sanoba ah.
Wixii ah magdhawyada kharashyada medicare ee uu qofka jaabkiisa ka bixiyo isticmaal:
Furo Lacag Wareejinta Elektrooniga ah
Haddii aad jeclaan lahayd inaad ku hesho magdhawyadaada si degdeg ah oo badqab badan, isku diiwaangeli debaajiga tooska ah adoo u maraaya MyCarewell503. Waa inaa soo raaciso nuqulka jeeg maran ee erayga ‘void’ ku qoran tahay, warqada bangiga, ama bayaanada bangiga.
Faahfaahinta Dheefaha
Isticmaal Dheeftan
Adigoo Isticmaalaya kaarkaaga
U isticmaal Kaarkaaga Dukaameysiga ee Dheefta (BCC) kharashyada jeebka ka baxsan ee ay daboolayso Medicare Qaybta B, Qaybta D, Qorshyaasha Supplement iyo Advantage, sida lacagaha lagaa jarayo, lacag-wadaaga, gunnada, iyo daawo-qoritaannada dhakhtareed. Waxaa laga yaabaa in lagu weydiiyo inaad muujiso caddaynta kharashyadaada, markaa hayso Sharaxaada Faa’iidooyinka iyo dhammaan rasiidhada.
Uma isticmaali kartid Kaarka Dukaameysiga ee Dheefta:
- Khidmadaha caymiska bil’laha ah ee Medicare (kor ka eeg macluumaadka habka lacag-celinta ee khidmadaha caymiska bil’laha ah ee Medicare);
- Daryeelka ilkaha, daryeelka aragga iyo adeegyada maqalka;
- Kharashyada jeebka laga bixiyo ee adeegyada ilkaha, araga, iyo/ama maqalka;
- Kharashyada caafimaadka ee xaaskaaga/seeygaaga ama kuwa kugu tiirsan;
- Lacag kala bixitaanka ATM-yada ama in lagu soo celiyo lacag yar markaad wax iibsaneyso;
- Kharashyada alaabta ama adeegyada aanu qorshahaaga caymiskaaga caafimaadku daboolin;
- Kharashyada khidmada caymiska ee qof kasta oo aan ahayn shirkadaada caymiska caafimaad ee hadda;
- Kharashyada aad gashay inta aanad u qalmin dheefaha Kaalmada Kharashka Daryeelka
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 ayaa lagu daboolaa sida hoos imaata caymiskaaga Medicare.
Xafido 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 0 saacadood oo ah saacadaha shaqada ee xaqa leh — oo sidoo kale loo yaqaano saacadaha kooxda gorgortanka — 2 bilood oo isku xigta. Inaad 2 bilood soo gudbiso saacado shaqo oo 0 ah waxay keeni kartaa inaad lumiso u-qalmitaankaaga faa’iidooyinka Carewell SEIU 503, oo ay ku jirto Kaalmada Kharashka Daryeelka Caafimaadka;
- Kaga yagleel macluumaadkaaga shakhsi ahaaneed kuwii ugu danbeeyay 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 Sekuritiga.
Dib u cusbeysiin
Sannad kasta, waxaad codsaneysaa Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare adoo soo gudbinaya dukumentiyadan loo baahan yahay:
- Qaybta B: warqadaada Sooshiyaal Sekiyuuritiga ama Biilkaada Khidmada Caymiska Bil’laha ah ee Medicare.
- Qaybta D, Supplement, iyo/ama qorshaha Advantage: biilkaada khidmadaha caymiska ee sida billaha ah loo bixiyo
Ka eeg muunadaha biilasha khidmadaha caymiska ee sida billaha ah loo bixiyo ee Medicare halkan.
Waxaad u sameyn kartaa tan 1 ka mid ah 2 siyaabood:
- Soo gudbi Foomka Codsashada Dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee Medicare: Foomkan waxa loo isticmaalaa in lagu soo gudbiyo dukumeentiyada loo baahan yahay si loo codsado in dib laguugu soo celiyo qayb ka mid ah khidmadaha caymiska sida billaha ah loo bixiyo ee Medicare oona loogu helo deeqo lacag kharashaadka caafimaadka ee uu qofka jeebkiisa ka bixiyo.
- Si sugan u gal MyCarewell503.org (oo hadda lagu heli karo Ingiriis):
- Guji “View or Update health Info (Eeg ama Cusbooneysii Macluumaadka Caafimaadka)” ama “policy (qandaraas caymis)” ee ku hoos qoran Medical Insurance Info (Macluumaadka Caymiska Caafimaadka) ee bogga Dhaashboodhka
- Guji “add health insurance (ku dar caymis caafimaad)” ama “add another policy (ku dar qandaraas caymis oo kale)”
- Haddii aad horeyba u lahayd qandaraas caymis, waxaad u baahan tahay inaad “Terminate this policy (Joojiso qandaraaskan caymis)” taariikhda ka horraysa wakhtiga uu bilaabmayo Medicare-kaaga ama maalinta u dambaysa ee bisha hadda lagu jiro oona gujisaa “Save (Keydi)” ka hor intaadan gujin “Add Another Policy (Ku dar Qandaraas Caymis oo Kale)”
- Gudaha tusmada hoos u dhaadhaca “Policy Type (Nooca Qandaraaska Caymis)”, dooro waxaad ugu baahan tahay inaad cusboonaysiiso:
- “Medicare B”; ama
- “Medicare Part D, Advantage, ama qorshaha Supplement”
- Geli taariikhda iyo qadarka khidmada caymiska ee sida billaha ah loo bixiyo
Maamulka Sooshiyaal Sekiyuuritiga waxy guud ahaan ku dhawaaqeen khidmadaha Qaybta B oo cusub Nofeembar. Haddii aad leedahay qorshaha Qaybta D, Supplement, ama Advantage, waa inaad hesho biilkaaga cusub Diseembar. Fadlan buuxi tillaabooyinka kore isla marka aad ogaato khidmadaha cusub.
Luminta Xaq Yeelashada
Inaad lumiso dheefaha Carewell SEIU 503 kama dhigno inaad luminayso ceymiskaaga caafimaadka ee Medicare! Balse dhamaadka bisha muddadaada sugitaanka, Kaarkaaga Dukaameysiga ee Dheefta (BCC) ayaa la xirayaa mana heli doontid lacag celinta bil’laha ah ee qorshayaasha caymiska ee Qaybta B iyo/ama Qaybta D, Supplement, ama Advantage.
Ha tuurin kaarkaaga BCC! Haddii aad xaq u yeelato Kaalmada Kharashka Daryeelka Caafimaadka mar labaad, waxaad awoodi doontaa inaad mar kale isticmaasho kaarkaaga.
Waxa Ay Tahay in La Sameeyo Markaad Dib U Kasbanayso Xaq U Yeelashada Hay'adda ee Dheefaha Kadib Markaad Lumiso
Markaad dib u hesho xaq u yeelashada dheefaha, waxaa kuu bilaabaneysa inaad hesho magdhawga khidmadaha bil’laha ah waxaadna u isticmaali kartaa Kaarka Dukaameysiga ee Dheefta inaad ku maareyso kharashyada aad jaabkaaga ka bixisay.
Haddii aad kaydsatay kaarkaaga BCC, waxaad wali awood u lahaan doontaa inaad isticmaasho, marka laga reebo in la dhaafay taariikhda dhicitaanka ee korka kaga qoran.
Haddii aadan haysanin kaarka BCC oo ansax ah, ka wac Ameriflex lambarka 1-888-868-3539 si aad u dalbato kaar cusub.
Haddii aad jirto 65 ama wax ka weyn oo aanad u qalmin inaad iska diwaangeliso Medicare, waxa laga yaabaa inaad u qalanto inaad iska diiwaan geliso qorshe caymis caafimaadka oo laga heli karo Goob-suuqeedka. Wixii su’aalo ah ee ku saabsan u qalmitaankaada, nagala soo xiriir lambarka 1-844-503-7348.
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 Supplement ama Advantage , 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.
Ku codso onleen ahaan: www.ssa.gov/benefits/medicare
Ku codso wicitaanka taleefonka: 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 Kaarkaaga Dukaameysiga ee Dheefta 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 bogga Oregon.gov
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 Iska Weydiiyo wixii macluumaad dheeraad ah.
Waxaad sidoo kale dhigaalo dheerad oo ku saabsan Medicare ka heli kartaa boggeena intarnetka ee bogga Khayraadka.
Macluumaadka dadka u gudbaya Medicare
Haddii aad hadda ku jirto qorshaha caymiska Goobta-Suuqeedka, waxaad u baahan doontaa inaad qaado tillaabooyin aad ku soo af-jareyso qorshahaaga Goob-suuqeedka (barta HealthCare.gov) maalin ka hor inta uusan qorshahaaga Medicare bilaabin.
Waxaad ku burin kartaa qorshahaaga Goob-suuqeedka adigoo:
- Ka wacaaya Goob-suuqeedka lambarka 1-800-318-2596 oona ka codsanaayo burinta qorshahaaga caymiska Goob-suuqeedka ama onleen ahaan barta HealthCare.gov; ama
- Ka helaayo caawinaad wakiiladda jooga Valley Insurance Professionals— wac 1-844-503-7348 si aad ballan uga qabsato.
Haddii aad hadda haysato Kaarka Dukaameysiga ee Dheefta (BCC) sabab ah inaad u helayso dheefaha HCA qorshaha Goob-suuqeedka:
- Hal farqi oo weyn ee Medicare waa inaadan u isticmaali karin BCC khidmadaha caymiska billaha ah ee Medicare. Taa beddelkeeda, waxaad u baahan tahay inaad codsato dheefaha Kaalmada Kharashka Daryeelka Caafimaadka Medicare taasoo dib kuugu soo celineyso qayb ka mid ah khidmadahaaga caymiska ee billaha ah ee Medicare-ka.
- Waxaad sidoo kale u isticmaashaa inaad ku bixiso isla kaadhkan kharashyada jeebka aad ka baxineyso ee Medicare (caymis wadaagyada go’an ee ay daboosho Medicare, caymis wadaagyada boqolleyda ah, kharashyada lacagaha haraaga lacag jarista kadib, iyo daawoyinka dhakhtarku qoro ee Medicare inta aad u sii qalanto Kaalmada Kharashka Daryeelka Caafimaadka). Ma heli doontid kaar cusub marka aad ka soo guurto qorshaha Goob-suuqeedka oo aadna u soo guurto Medicare.
Immisa lacag ah ayaa ku jirta Kaarkayga Dukaameysiga ee Dheefta?
Kaarka Dukaameysiga ee Dheefta (BCC) waxa hore loogu sii shubay lacagta sannadlaha ah ee lagu bixinayo khidmadaha adegga ceymiska ee caafimaadka iyo daawooyinka dhakhtarku qoro, lacagaha la jaro, iyo kharashyada lacagaha haraaga lacag jarista kadib ee adeegyada caymiska leh iyo dawooyinka dhakhtarku qoray. Sanadka 2025, lacagtaasi waa $7,165, laakiin tani way isbedeli kartaa sanadba sanadka ka dambeeya.
Haddii aad qabtid wax su’aalo ah oo ku saabsan BCC-gaaga, ka wac Ameriflex lambarka 1-888-868-3539.
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.