Lithini icandelo leMedicare ngendleko ngo-2021?

Umxholo

• Yintoni iCandelo leMedicare A?
• Ngaba ikhona ipremiyamu kwiCandelo A le-Medicare?
• I-FAQ: Ngaba kufuneka ubhalise kwi-Medicare Part B ukuba ubhalisa kwiCandelo A?
• Ngaba zikhona ezinye iindleko zeCandelo leMedicare A?
• I-FAQ: Liliphi ixesha lesibonelelo seCandelo A?
• Ukunyamekela esibhedlele
• Unonophelo lwezakhono zononophelo
• Ukhathalelo lwempilo ekhaya
• Ukunyamekela
• Unonophelo lwempilo yengqondo
• I-FAQ: Ngaba ndiza kuhlawula isohlwayo xa ndingabhalisi kwiCandelo A nje ukuba ndivumeleke?
• Yintoni i-Medicare Part A cover?
• Yintoni engenayo iCandelo A?
• Ukuthatha

Inkqubo ye-Medicare yenziwe ngamacandelo aliqela. Icandelo leMedicare A kunye neMedicare Icandelo B lenza into ekubhekiswa kuyo njengeMedicare yoqobo.

Uninzi lwabantu abaneCandelo A akuyi kufuneka bahlawule ipremiyamu. Nangona kunjalo, kukho ezinye iindleko, ezinjengezinto ezikhutshiweyo, iikopi kunye nokuqinisekiswa kwemali ekufuneka uhlawule xa ufuna ukhathalelo lwasesibhedlele.

Nantsi into ekufuneka uyazi malunga neepremiyamu kunye nezinye iindleko ezinxulumene ne-Medicare Icandelo A.

Yintoni iCandelo leMedicare A?

Icandelo lonyango i-inshurensi yesibhedlele. Kuyanceda ukuhlawula ezinye zeendleko zakho kumaziko ohlukeneyo ezonyango nawezonyango xa wamkelwa njengesigulana esingalaliswayo.

Abanye abantu baya kubhaliswa ngokuzenzekelayo kwiCandelo A xa befanelekile. Abanye kuya kufuneka bayityikitye ngokusebenzisa uLawulo loKhuseleko lweNtlalo (SSA).

Ngaba ikhona ipremiyamu kwiCandelo A le-Medicare?

Uninzi lwabantu olubhalise kwiCandelo A aluyi kuhlawula ipremiyamu yenyanga. Oku kubizwa ngokuba yi-Medicare Icandelo A.

Icandelo le-Medicare Icandelo le-premium lisekwe kwinani leekota umntu ahlawule irhafu ngaphambi kokuba abhalise kwi-Medicare. Imirhumo ye-Medicare yinxalenye yerhafu yokubamba eqokelelwe kuyo yonke intlawulo oyifumanayo.

Ukuba awusebenzanga ikota engama-40 iyonke (okanye iminyaka eli-10), nantsi imali eyipesenti yecandelo A iza kuxabisa ngo-2021:

Xa ubhalisa kwiCandelo A, uya kufumana ikhadi leMedicare ngeposi. Ukuba uneCandelo A lokugubungela, ikhadi lakho le-Medicare liya kuthi "ISIBHEDLELE" kwaye ube nomhla apho ukhuseleko lwakho lusebenza khona. Ungasebenzisa eli khadi ukufumana naziphi na iinkonzo ezihlawulwa yiCandelo A.

I-FAQ: Ngaba kufuneka ubhalise kwi-Medicare Part B ukuba ubhalisa kwiCandelo A?

Xa ubhalisa kwiCandelo A, kuya kufuneka uphinde ubhalise kwiCandelo B. I-Medicare Icandelo B ligubungela iinkonzo zonyango ezingalaliswayo njengokubekwa ngugqirha.

Uya kuhlawula ipremiyamu eyahlukileyo yenyanga yale ngxelo. Isixa semali esiyi-Part B seprimiyamu ngo-2021 yi- $ 148.50, kwaye uninzi lwabantu abaneCandelo B baya kuyibhatala le mali.

Ngaba zikhona ezinye iindleko zeCandelo leMedicare A?

Nokuba uhlawula ipremiyamu yenyanga kwi-Medicare Part A yakho okanye hayi, kukho ezinye iindleko ezinxulumene neCandelo A ngokunjalo. Ezi ndleko ziya kwahluka ngokuxhomekeka kwizinto ezifana nohlobo lwesibonelelo owamkelweyo kunye nobude bokuhlala kwakho.

Ezi ndleko zaphuma epokothweni zinokubandakanya:

• Ukutsalwa: imali ekufuneka uyihlawule ngaphambi kokuba iCandelo A liqale ukugubungela iindleko zokhathalelo lwakho
• Iikopi: isixa esimiselweyo ekufuneka usihlawule ngenkonzo
• Uqinisekiso: Ipesenti ohlawula ngayo iinkonzo emva kokuba udibene nokutsalwa kwakho

I-FAQ: Liliphi ixesha lesibonelelo seCandelo A?

Amaxesha okuxhamla afaka isicelo sokuhlala esibhedlele, kwiziko lempilo yengqondo, okanye kwiziko labongikazi abanezakhono.

Ngexesha ngalinye lesibonelelo, iCandelo A liya kugubungela ngokupheleleyo iintsuku zakho zokuqala ezingama-60 (okanye iintsuku zokuqala ezingama-20 zeziko labongikazi abanezakhono) emva kokuba udibene nokutsalwa kwakho. Emva kweli xesha lokuqala, kuyakufuneka uhlawule isiqinisekiso semali yemihla ngemihla.

Amaxesha ezibonelelo aqala kumhla owamkelwe kuwo njengesigulana kunye nokuphela kweentsuku ezingama-60 emva kokuba umkile kweso sibonelelo. Awuyi kuqala ixesha elitsha lokuxhamla de ube ungaphandle kokunyamekela izigulane ubuncinane iintsuku ezingama-60 ezilandelelanayo.

Ukunyamekela esibhedlele

Nantsi indlela yokuba nganye yezi ndleko ihlale esibhedlele ngo-2021:

Unonophelo lwezakhono zononophelo

Iindawo zononophelo ezinezakhono zibonelela ngononophelo lwentuthuzelo njengonesi onesakhono, unyango lomsebenzi, unyango lomzimba, kunye nezinye iinkonzo ukunceda abaguli ukuba bachache konzakala nasekuguleni.

Icandelo leMedicare A ligubungela iindleko zokhathalelo kwiziko labongikazi abanezakhono; Nangona kunjalo, kukho iindleko oya kuthi uhlawule nazo. Nantsi into oza kuyibhatala ngokuhlala kwiziko labongikazi abanezakhono ngexesha ngalinye lesibonelelo ngo-2021:

Ukhathalelo lwempilo ekhaya

Icandelo leMedicare A ligubungela iinkonzo zononophelo lwempilo lwasekhaya elifutshane kwiimeko ezithile ezifanelekileyo. I-Medicare kufuneka ivume iinkonzo zekhaya lakho. Ukuba uvunyiwe, awunakuhlawula nto ngeenkonzo zonyango lwasekhaya.

Ukuba ufuna naziphi na izixhobo zonyango ezomeleleyo ngeli xesha, ezinje ngokubonelela ngonyango, ukubonelela ngononophelo lwamanxeba, kunye nezixhobo zoncedo, unokuba noxanduva lweepesenti ezingama-20 zeendleko ezivunyiweyo zeMedicare zezi zinto.

Ukunyamekela

Ngethuba nje umboneleli okhethiweyo uyamkelwa yi-Medicare, i-Medicare Part A iya kubandakanya ukunakekelwa kwe-hospice. Nangona iinkonzo ngokwazo zihlala zingenazindleko, kunokubakho intlawulo oya kucelwa ukuba uyihlawule enje:

• Ukuhlawulwa kwemali engaphezulu kwe- $ 5 kwichiza ngalinye lokuyalela ukuba unciphise iintlungu kunye nolawulo lweempawu ukuba ufumana ukhathalelo lwe-hospice ekhaya
• Iipesenti ezintlanu zeMali evunyiweyo ye-Medicare yokunyamekela abaguli
• indleko ezipheleleyo zononophelo lwasekhaya, njengoko i-Medicare ingahlawuleli ukhathalelo lwamakhaya ngexesha lokunyamekela abaguli okanye nangaliphi na elinye ixesha

Unonophelo lwempilo yengqondo

Icandelo leMedicare A ligubungela ukhathalelo lwempilo yengqondo; Nangona kunjalo, kukho iindleko onokucelwa ukuba uzihlawule.

Umzekelo, kuya kufuneka uhlawule iipesenti ezingama-20 zeendleko ezivunyiweyo ze-Medicare zeenkonzo zempilo yengqondo ezivela koogqirha kunye neetheraphisti ezinelayisensi xa usamkelwa kwiziko njengesigulana esingalaliswayo.

Nantsi indawo yokuhlala kwezigulana ezingalaliyo kwi-2021:

I-FAQ: Ngaba ndiza kuhlawula isohlwayo xa ndingabhalisi kwiCandelo A nje ukuba ndivumeleke?

Ukuba awulungelanga ukufumana icandelo A elingena-premium kwaye ukhethe ukungalithengi xa uqala ukubhalisa kwi-Medicare, unokufumana isohlwayo sokubhaliswa kade. Oku kunokubangela ukuba ipremiyamu yakho yenyanga inyuke ukuya kuthi ga kwiipesenti ze-10 ngonyaka ongabhalisanga kwi-Medicare Part A emva kokuba uvumelekile.

Uya kuyibhatala le nyuselo inyusiweyo kabini isixa seminyaka obukade ulungele iCandelo A, kodwa khange uyisayinele. Umzekelo, ukuba ubhalisa iminyaka emi-3 emva kokuba ubufanelekile, uya kuhlawula ipremiyamu eyongeziweyo iminyaka emi-6.

Yintoni i-Medicare Part A cover?

Icandelo A lihlala ligubungela ezi ndidi zononophelo zilandelayo:

• ukhathalelo lwesibhedlele
• ukhathalelo lwempilo yengqondo
• Unonophelo lwezakhono zononophelo
• ukuvuselelwa
• isibhedlele
• ukhathalelo lwempilo ekhaya

Ugqunywe kuphela phantsi kweCandelo A ukuba ungeniswe kwiziko njengesigulana (ngaphandle kokuba kukhathalelo lwempilo ekhaya). Ke ngoko, kubalulekile ukubuza ababoneleli bakho ukuba ukhathalelwa njengesigulana okanye isigulana sangaphandle ngosuku ngalunye lokuhlala kwakho. Nokuba uthathwa njengesigulana esinganyangekiyo okanye isigulana esingalaliswayo sinokuchaphazela isigubungelo sakho kunye nokuba uza kuhlawula malini.

Yintoni engenayo iCandelo A?

Ngokubanzi, iCandelo A aliquki ukhathalelo lwexesha elide. Unonophelo lwexesha elide ibhekisa kukhathalelo olungelonyango kunyango lwemihla ngemihla kubantu abakhubazekileyo okanye abagula ixesha elide. Umzekelo uya kuba luhlobo lokhathalelo olunikezelwa kwindawo yokuhlala encedisiweyo.

Ukongeza, iCandelo A alizukuhlawulela isibhedlele sangaphakathi okanye izibonelelo zempilo yengqondo zihlala ngaphaya kweentsuku zakho zokugcina ubomi. Unenani elipheleleyo leentsuku ezingama-60 zokugcina onokuzisebenzisa ukuba uyalaliswa kwezi zibonelelo emva kokuba ubekhona kwiintsuku ezingama-90.

Iintsuku zokugcina zobomi azizaliswanga. Nje ukuba uzisebenzise zonke, unoxanduva lwazo zonke iindleko. Umzekelo, ukuba usebenzise zonke iintsuku zakho zokugcina ngexesha lesibhedlele esingalaliswayo sangaphambili sihlala ngaphezulu kweentsuku ezingama-90, unoxanduva lwazo zonke iindleko ukuba ukuhlala kwakho kwesigulana okulandelayo kudlula ngaphezulu kweentsuku ezingama-90.

Ukuthatha

Icandelo leMedicare A ligubungela ukuhlala esibhedlele, njengalezo zisesibhedlele okanye kwiziko lokonga. Ndawonye neCandelo B, la malungu enza iMedicare yoqobo.

Uninzi lwabantu aluhlawuli i-premium yenyanga kwiCandelo A, kodwa kukho ezinye iindleko ezinxulumene neCandelo A onokucelwa ukuba uhlawule njengemali ekhutshiweyo, iikopi kunye nokuqinisekiswa kwemali.

Eli nqaku lahlaziywa ngo-Novemba 13, 2020 ukubonisa ulwazi lwango-2021 lonyango.

Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.