Icandelo leMedareya yokuGubungela: Into ekufuneka uyazi nge-2021

Umxholo

• Yintoni iCandelo leMedicare A?
• Yintoni i-Medicare Part A cover?
• Yintoni engafakwanga yi-Medicare Part A?
• Yintoni indleko zecandelo lonyango?
• Ngaba ikhona enye indawo yokubambisa esibhedlele?
• Ngaba ndivumelekile kwi-Medicare Part A?
• Ungabhalisa njani kwiCandelo A le-Medicare
• Ubhaliso lokuqala
• Ubhaliso olulodwa
• Ukuthatha

I-Medicare yinkqubo ye-inshurensi yezempilo e-United States. Ukuba umntu uneminyaka engama-65 okanye ngaphezulu okanye uneemeko ezithile zonyango, banokufumana ukhuselo lweMedare.

Amaziko e-Medicare kunye neeNkonzo zeMedicaid ziqhuba i-Medicare, kwaye zahlula-hlula iinkonzo zibe ngamacandelo A, B, C, no-D.

Icandelo leMedicare A linceda ukuhlawula ukuba umntu ufuna iinkonzo zasesibhedlele. Ukuba wena okanye iqabane lakho nisebenze kwaye nihlawule irhafu ye-Medicare ubuncinci iminyaka eyi-10, unokulungela i-Medicare Part A simahla.

Yintoni iCandelo leMedicare A?

Icandelo leMedicare A sisicwangciso sokugubungela isibhedlele sabantu abaneminyaka engama-65 nangaphezulu. Abadali be-Medicare babecinga iindawo ezinjenge-buffet.

Uya kuhlala ufumana iCandelo A, ke uya kuba nesigqubuthelo sokuhlala esibhedlele. Ukuba awunayo i-inshurensi yabucala kwaye ufuna ukogquma okungaphezulu, unokukhetha kwezinye iindawo zeMedicare.

Akunyanzelekanga ukuba uthathe umhlala phantsi ukuze ubhalisele i-Medicare Part A - sisibonelelo ongaqala ukusifumana kwakamsinya nje xa ufikelela kwiminyaka engama-65. Abantu abaninzi bakhetha ukuba ne-inshurensi yabucala (efana nomqeshi) kunye neMedicare.

Yintoni i-Medicare Part A cover?

Ngaphandle kwezinye izinto, icandelo leMedicare A ligubungela ezi nkonzo zilandelayo:

• Ukunyamekela esibhedlele. Oku kubandakanya naluphi na uvavanyo okanye unyango oludingayo xa ungeniswe esibhedlele.
• Unonophelo lwempilo ekhaya. Ukuba ufuna ukhathalelo kumncedisi wempilo wasekhaya emva kokuba ukhululwe esibhedlele sokuhlala esibhedlele, i-Medicare iya kugubungela ukhathalelo oluyimfuneko lwezonyango ngelixa uchacha.
• Ukunyamekela. Nje ukuba wenze ukhetho lokufuna ukhathalelo lwe-hospice endaweni yonyango lwesifo esinganyangekiyo, i-Medicare iya kugubungela uninzi lweendleko zakho zokhathalelo lwempilo.
• Ixesha elifutshane leziko lononophelo lihlala. Ukuba ufuna ukhathalelo lweziko lobuchule, i-Medicare iya kukugubungela ukuhlala kwakho kunye neenkonzo ixesha elithile.

Unonophelo lwangaphakathi esibhedlele lubandakanya iinkonzo ezinje ngokutya, iinkonzo zokonga, unyango lomzimba, kunye namayeza athi ugqirha abalulekile kukhathalelo.

Icandelo leMedicare A lihlala ligubungela iindleko zegumbi likaxakeka xa undwendwela esibhedlele. Ukuba ugqirha akakuvumeli kwaye ubuyela ekhaya, i-Medicare Part B okanye i-inshurensi yakho yabucala inokuhlawula iindleko.

Yintoni engafakwanga yi-Medicare Part A?

Kwakhona kubalulekile ukwazi ukuba i-Medicare Part A ayihlawuli zonke iindleko zesibhedlele. Nazi izinto ezimbalwa iCandelo A elingazukuzigubungela:

• Iipilisi zakho zokuqala ezi-3 zegazi. Ukuba isibhedlele sifumana igazi kwibhanki yegazi, kusenokungafuneki ukuba uhlawule nantoni na. Nangona kunjalo, ukuba isibhedlele kufuneka sifumane igazi elikhethekileyo, kusenokwenzeka ukuba kuya kufuneka uhlawule ngalo epokothweni.
• Amagumbi abucala. Ngelixa ukhathalelo lwe-inpatient lubandakanya ukuhlala kwigumbi elingena mntu, awunalungelo lokuya kwigumbi labucala ngexesha lokhathalelo lwakho.
• Unonophelo lwexesha elide. Icandelo A lenzelwe kuphela ukubonelela ngononophelo ngexesha lokugula kakhulu okanye ukonzakala. Ukuba uneemfuno zokhathalelo lwexesha elide, ezinje ngekhaya labongikazi, kuya kufuneka uhlawulele indawo yokuhlala yakho epokothweni.

Yintoni indleko zecandelo lonyango?

Xa usebenza, umqeshi wakho (okanye wena, ukuba uyazisebenza) uthatha imali kwiirhafu zeMedare. Ngethuba nje wena okanye iqabane lakho lisebenza iminyaka eyi-10 ukuhlawula irhafu ye-Medicare, ufumana i-Medicare Part A ngaphandle kwepremiyamu xa uneminyaka engama-65.

Oko akuthethi ukuba wena okanye umntu omthandayo unokungena esibhedlele kwaye ufumane ukhathalelo lwasimahla. Icandelo lonyango A lifuna ukuba ubhatale imali yokutsalwa kunyango lwakho lwangaphakathi. Nge-2021, le yi- $ 1,484 yexesha ngalinye lesibonelelo.

Ukuba awuzilungelanga ngokuzenzekelayo iCandelo A lasimahla, usengathenga iCandelo A. Ngowama-2021, ipremiyamu yenyanga kwiCandelo A iyi- $ 471 ukuba usebenze ngaphantsi kweekota ezingama-30. Ukuba uhlawule irhafu ye-Medicare kwiikota ezingama-30 ukuya kwezingama-39, ubuya kuhlawula i-259 yeedola.

Ngaba ikhona enye indawo yokubambisa esibhedlele?

Kukho okungakumbi kwi-Medicare kuneCandelo A - kukwakho namacandelo B, C, no-D. Wena okanye umntu omthandayo akufuneki usebenzise naliphi na elinye icandelo. Benza nganye nganye ibe nepremiyamu yenyanga. Imizekelo yeenkonzo ezifakwe phantsi kwento nganye ibandakanya:

• Icandelo B. Icandelo leMedicare B ligubungela ezinye iindleko zotyelelo logqirha, izixhobo zonyango, ukuhlolwa koxilongo, kunye nezinye iinkonzo zezigulana ezingalaliswayo ezinokufuneka.
• Icandelo C. Icandelo le-Medicare Icandelo C (i-Medicare Advantage) ligubungela iinkonzo zamacandelo A no-B. Inokubandakanya amayeza amiselweyo, amazinyo kunye nombono, kuxhomekeke kwisicwangciso osikhethayo. Uninzi lwezi zicwangciso lusebenza koogqirha “abakwi-network” okanye ukufumana ukuthunyelwa kugqirha ophambili olawula ukhathalelo lwakho.
• Icandelo D. Icandelo leMedicare D ligubungela amayeza amiselweyo. Njengamacandelo e-Medicare B kunye no-C, kuya kufuneka uhlawule ipremiyamu kolu khuselo. Kukho iintlobo zesicwangciso seCandelo D, kwaye uzithenga kwi-inshurensi yabucala.

Ewe kunjalo, kukho ezinye iinkonzo ezithi iiMedicare zoqobo azihlali zigubungela. Ngamanye amaxesha, umntu une-inshurensi yabucala enokuthi ihlawule ezi nkonzo, okanye bazihlawulele epokothweni. Imizekelo ibandakanya:

• utyando lwezithambiso
• amazinyo emboleko
• iiglasi zamehlo okanye iilensi zonxibelelwano
• izixhobo okanye iimviwo zezixhobo zokuncedisa ukuva
• Unonophelo lwexesha elide
• Uninzi lweenkonzo zonyango lwamazinyo
• ukhathalelo lwenyawo rhoqo

Ukuba awuqinisekanga ukuba inkonzo igutyungelwe phantsi kweentlobo ezahlukeneyo zeMedicare, ungatsalela umnxeba 800-MEDICARE (800-633-4227) ukubuza.

Ukuba wena okanye umntu omthandayo usesibhedlele, uhlala unetyala elinikezelweyo onokukunceda uphendule imibuzo malunga nokugubungela iMedicare.

Ngaba ndivumelekile kwi-Medicare Part A?

Ukuba ngoku ufumana izibonelelo zoKhuseleko lweNtlalo kwaye ungaphantsi kweminyaka engama-65, uya kubhaliswa ngokuzenzekelayo kumacandelo e-Medicare A no-B xa uneminyaka engama-65 ubudala. Nangona kunjalo, ukuba awufumani Okhuseleko lweNtlalo okwangoku, kuya kufuneka ubhalise ngokukuko kwi-Medicare.

Icandelo elingezantsi kubhaliso lokuqala licacisa ukuba ungaqala nini inkqubo yobhaliso ngokusekwe kubudala bakho.

Nangona kunjalo, unokulungela iCandelo A ngaphambi kweli xesha ukuba:

• uneemeko zonyango ezinje ngesifo se-renal sokugqibela (i-ESRD) okanye i-amyotrophic lateral sclerosis (ALS)
• Ugqirha uxela ukukhubazeka okugcina ungasebenzi

Ungabhalisa njani kwiCandelo A le-Medicare

Zintathu iindlela zokubhalisa kwiCandelo le-Medicare:

• Yiya kwi-Intanethi kwiSocialSecurity.gov kwaye ucofe ku "Ubhaliso lweMedare".
• Tsalela umnxeba kwi-Ofisi yoKhuseleko lweNtlalo ku-800-772-1213. Ukuba ufuna i-TTY, tsalela umnxeba ku-800-325-0778. Le nkonzo ivulwa ngoMvulo ukuya ngoLwesihlanu ukusuka nge-7 ukuya kweye-7 ngorhatya.
• Faka isicelo ngokwakho kwi-Ofisi yoKhuseleko lweNtlalo. Cofa apha ukuze ufumane iofisi yakho yendawo ngekhowudi ye-ZIP.

Ubhaliso lokuqala

Ungaqala ukubhalisa kwi-Medicare kwiinyanga ezi-3 ngaphambi kokuba ube neminyaka engama-65 ubudala (oku kubandakanya inyanga oguqula ngayo iminyaka engama-65) ukuya kuthi ga kwiinyanga ezi-3 emva kosuku lwakho lokuzalwa lwama-65. Njengomgaqo ngokubanzi, ukugubungela kwakho kuya kuqala nge-1 kaJulayi kunyaka obhalise ngawo.

Ubhaliso olulodwa

Ngaphantsi kweemeko ezithile, unokukwazi ukufaka isicelo emva kwexesha kwi-Medicare. Eli xesha lexesha laziwa ngokuba lixesha elilodwa lobhaliso.

Unokufanelekela ukubhalisa ngeli xesha ukuba ubuqeshwe yinkampani ebinabasebenzi abangaphezulu kwama-20 xa uneminyaka engama-65 ubudala kwaye une-inshurensi yezempilo ngomsebenzi wakho, umanyano okanye iqabane.

Kule meko, unokufaka isicelo seCandelo leMedicare A ngaphakathi kweenyanga ezisi-8 emva kokuba ingxelo yakho yangaphambili iphelile.

Ukuthatha

Ukuhambahamba kwilizwe le-Medicare kunokudideka-ukuba ujikile nje okanye usondela kwiminyaka engama-65, lihlabathi elitsha kuwe.

Ngethamsanqa, zininzi izibonelelo ezikhoyo kuwe, ukusuka kwi-intanethi ukuya kwifowuni kwiofisi yakho yoKhuseleko lweNtlalo. Ukuba unombuzo othile, le mithombo yindawo elungileyo ukuqala.

Eli nqaku lahlaziywa ngo-Novemba 19, 2020, ukubonisa ulwazi ngo-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.