Icandelo le-Medicare A kunye ne-Medicare Icandelo B: Uyintoni umahluko?

Umxholo

• Yintoni iCandelo leMedicare A?
• Ukufaneleka:
• Iindleko
• Icandelo le-Medicare Icandelo le-premium ngo-2021
• Icandelo leMedicare A iindleko zokulaliswa esibhedlele
• Ezinye izinto ekufuneka uzazi
• Yintoni i-Medicare Icandelo B?
• Ukufaneleka:
• Iindleko
• Ezinye izinto ekufuneka uzazi
• Isishwankathelo seSahluko A kunye neCandelo B umahluko
• Amaxesha okubhaliswa kweMedicare A kunye neCandelo B
• Ukuthatha

Icandelo le-Medicare A kunye ne-Medicare Icandelo B ziinkalo ezimbini zokukhathalelwa kweziko lamaZiko ee-Medicare kunye neeNkonzo zeMedicaid.

Icandelo A ligubungela isibhedlele, ngelixa iCandelo B likhulu kutyelelo logqirha kunye neminye imiba yokhathalelo lonyango lwezigulana ezingalaliswayo. Ezi zicwangciso azikhuphisani, kodwa endaweni yoko zenzelwe ukuncedisana ukubonelela ngempilo kwiofisi kagqirha nasesibhedlele.

Yintoni iCandelo leMedicare A?

Icandelo leMedicare A ligubungela imiba emininzi yokhathalelo lwempilo enokuthi ibandakanye oku kulandelayo:

• ukunakekelwa kwexesha elifutshane kwiziko lokonga
• ukhathalelo lwempilo ekhaya
• Unonophelo lwehosisi
• Unonophelo lwangaphakathi esibhedlele

Ngesi sizathu, abantu bahlala bebiza iMedareare A kwicandelo lokugubungela esibhedlele.

Ukufaneleka:

Kwicandelo le-Medicare A ukufaneleka, kufuneka uhlangane nenye yezi ndlela zilandelayo:

• ube neminyaka engama-65 okanye ngaphezulu
• unokukhubazeka njengoko kuchazwe ngugqirha kwaye ufumana izibonelelo zoKhuseleko lweNtlalo ubuncinci iinyanga ezingama-24
• banesifo sezintso kwinqanaba
• bane-amyotrophic lateral sclerosis (ALS), ekwabizwa ngokuba sisifo sikaLou Gehrig

Nokuba ufumana okanye ungafumani iCandelo A ngaphandle kwepremiyamu kuxhomekeke kwimbali yakho (okanye yeqabane lakho).

Iindleko

Uninzi lwabantu abakulungeleyo ukufumana amayeza aluhlawuli iCandelo A. Kuyinyani ukuba wena okanye iqabane lakho nisebenze ubuncinci iikota ezingama-40 (malunga neminyaka elishumi) nibhatala irhafu ye-Medicare. Nokuba awusebenzanga ikota ezingama-40, usenakho ukuhlawula ipremiyamu yenyanga yonyango kwiCandelo A.

Icandelo le-Medicare Icandelo le-premium ngo-2021

Ukongeza kwiindleko zepremiyamu (eziyi- $ 0 yabantu abaninzi), zikhona ezinye iindleko ngokwe-deductible (into ekufuneka uyihlawule ngaphambi kokuba uMhlawumbi ahlawule) kunye noqinisekiso lwemali (uhlawula isahlulo kwaye i-Medicare ihlawula inxenye). Kwi-2021, ezi ndleko zibandakanya:

Icandelo leMedicare A iindleko zokulaliswa esibhedlele

Iintsuku zokulaliswa esibhedlele kwiintsuku ezingama-91 nangaphezulu zithathwa njengeentsuku zokugcina ubomi. Ufumana iintsuku ezingama-60 zobomi obugcinelwe ukusetyenziswa ebomini bakho. Ukuba uhamba ngaphaya kwezi ntsuku, unoxanduva lwazo zonke iindleko emva komhla wama-91.

Ixesha lokuxhamla liqala xa unesigulana kwaye liphela xa ungakhange ufumane unyango lwezigulana iintsuku ezingama-60 zilandelelana.

Nantsi into oza kuyibhatala kwiCandelo A iindleko zokuqinisekisa imali ngo-2021:

Ezinye izinto ekufuneka uzazi

Xa ufuna uncedo esibhedlele, ukubuyiselwa kwemali kwi-Medicare kuhlala kuxhomekeke ekubeni ugqirha ukubhengeza na njengesigulana okanye "phantsi koqwalaselo." Ukuba awuvunyelwanga ngokusemthethweni esibhedlele, icandelo leMedicare A aliyi kuyigubungela inkonzo (nangona iMedicare Part B inakho).

Kukwakho nemiba yokhathalelo lasesibhedlele engafakwanga yi-Medicare Part A. Oku kubandakanya iipilisi ezintathu zokuqala zegazi, ukhathalelo lwabucala, kunye negumbi labucala. Icandelo le-Medicare A lihlawulela igumbi labucala, kodwa ukuba amagumbi abucala onke asisibhedlele, i-Medicare ihlala ibabuyisela.

Yintoni i-Medicare Icandelo B?

Icandelo leMedicare B ligubungela utyelelo loogqirha, unyango lwezigulana ezingalaliswayo, izixhobo zonyango ezizinzileyo, kwaye, kwezinye iimeko, amayeza kagqirha. Abanye abantu bakwabiza ngokuba yi "inshurensi yezonyango."

Ukufaneleka:

Ukufaneleka kweMigangatho B, kufuneka ube neminyaka engama-65 okanye ngaphezulu kwaye ube ngummi wase-US. Abo bahlala ngokusemthethweni e-United States iminyaka emi-5 ubuncinci ngokulandelelana banokufumana i-Medicare Icandelo B.

Iindleko

Iindleko zeCandelo B zixhomekeke xa ubhalise kwi-Medicare nakwinqanaba lakho lomvuzo. Ukuba ubhalise kwi-Medicare ngexesha lokubhaliswa okuvulekileyo kwaye umvuzo wakho awuzange udlule kwi-88,000 yeedola ngo-2019, uya kuhlawula i-148.50 ngenyanga ngenyanga kwi-premium yakho ye-Medicare Part B ngo-2021.

Nangona kunjalo, ukuba wenza i-500,000 yeedola okanye ngaphezulu njengomntu ongaphezulu okanye ngaphezulu kwe- $ 750,000 njengesibini esifayilanayo ngokudibeneyo, uya kuhlawula i-504.90 yeedola ngenyanga ngePrimiyamu yeCandelo B ngo-2021.

Ukuba ufumana izibonelelo zoKhuseleko lweNtlalo, iBhodi yoMhlala-phantsi yoLoliwe, okanye iOfisi yoLawulo lwaBasebenzi, le mibutho iya kuyitsala iMedicare ngaphambi kokuba ikuthumele izibonelelo.

Ukutsalwa konyaka kwe-2021 yi- $ 203.

Ukuba awuyikubhalisela i-Medicare Part B ngexesha lokubhalisa (ngokuqhelekileyo xa ujikeleza iminyaka engama-65), unokufuneka uhlawule isohlwayo sokubhaliswa emva kwexesha rhoqo ngenyanga.

Emva kokuba udibana nokutsalwa kwakho kwi-Medicare Part B, uhlala uhlawula iipesenti ezingama-20 zexabiso elamkelweyo lenkonzo ngelixa i-Medicare ihlawula iipesenti ezingama-80 ezisele.

Ezinye izinto ekufuneka uzazi

Kungenzeka ukuba unokuba ngumguli wesibhedlele kwaye ube ne-Medicare Part A kunye neCandelo B ukuhlawula izinto zokuhlala kwakho. Umzekelo, abanye oogqirha okanye iingcali ezikubona esibhedlele zinokubuyiselwa ngeMedicare Part B. Nangona kunjalo, icandelo leMedicare A liya kugubungela iindleko zokuhlala kwakho kunye neendleko ezinxulumene notyando oluyimfuneko.

Isishwankathelo seSahluko A kunye neCandelo B umahluko

Apha ngezantsi uyakufumana itafile ebonelela ngesishwankathelo somahluko ophambili phakathi kweCandelo A kunye neCandelo B:

Amaxesha okubhaliswa kweMedicare A kunye neCandelo B

Ukuba wena okanye umntu omthandayo uya kubhalisa kwi-Medicare kungekudala (okanye utshintshe izicwangciso), ungaphoswa yile mihla ibalulekileyo:

• Ixesha lokubhalisa lokuqala: iinyanga ezi-3 ngaphambi kokuzalwa kwakho kwama-65, inyanga yokuzalwa kwakho, kunye neenyanga ezi-3 emva kosuku lwakho lokuzalwa lwama-65
• Ubhaliso ngokubanzi: NgoJanuwari 1 ukuya ku-Matshi 31 kwiCandelo B le-Medicare ukuba awuzange ubhalise ngexesha lakho lokuqala lokubhalisa
• Ubhaliso oluvulekileyo: Nge-Okthobha i-15 ukuya nge-7 ka-Disemba kwi-Medicare Advantage kunye neCandelo D ukubhaliswa kwezicwangciso zeziyobisi okanye utshintsho

Ukuthatha

I-Medicare Icandelo A kunye ne-Medicare Icandelo B ngamacandelo amabini e-Medicare yoqobo athi ngokudibeneyo ancedise uninzi lweemfuno zakho zokhathalelo lwempilo ngokunceda ukuhlawula iindleko zesibhedlele kunye nezonyango.

Ukubhalisa kwezi zicwangciso ngexesha elifanelekileyo (iinyanga ezi-3 ngaphambi kweenyanga ezi-3 emva kosuku lwakho lokuzalwa lwama-65) kubalulekile ekwenzeni izicwangciso njengeendleko eziphantsi kangangoko kunokwenzeka.

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.