Isikhokelo sakho esipheleleyo kwiCandelo leMedare B

Umxholo

• Yintoni i-Medicare Icandelo B kwaye igubungela ntoni?
• Zeziphi iinkonzo ezingafakwanga yiCandelo B?
• Ngubani olungeleyo kwicandelo B?
• Ixabisa malini iCandelo B kwi-2021?
• Intlawulo yenyanga
• Ukutsalwa
• UQinisekiso
• Ikopi
• Ubuninzi bepokotho
• Ndingabhalisa nini kwiCandelo B?
• Ngubani obhalise ngokuzenzekelayo?
• Ngubani omele abhalise?
• Ndingasifaka nini isicelo?
• Ukuthatha

I-Medicare yinkqubo ye-inshurensi yezempilo kwabo baneminyaka engama-65 nangaphezulu kunye namanye amaqela athile. Inamalungu aliqela, elinye laliCandelo B.

Icandelo leMedicare B yinxalenye ye-Medicare ebonelela nge-inshurensi yezonyango. Ungayisebenzisa ukugubungela iinkonzo ezahlukeneyo zonyango. Qhubeka nokufunda ukuze ufumane iinkcukacha ezithe kratya malunga neCandelo B, kubandakanya nokugubungelayo, kubiza malini, kwaye kufuneka ubhalise nini.

Yintoni i-Medicare Icandelo B kwaye igubungela ntoni?

Kunye neCandelo A, iCandelo B lenza into ebizwa ngokuba yiMedicare yoqobo. Kuqikelelwa ukuba ekupheleni kuka-2016, iipesenti ezingama-67 zabantu abasebenzisa iMedicare babhaliswa kwiMedicare yoqobo.

Icandelo B ligubungela uluhlu lweenkonzo zonyango eziyimfuneko. Inkonzo igqitywe kunyango oluyimfuneko ukuba iyafuneka ukufumanisa isifo okanye ukunyanga imeko yempilo.

Eminye yemizekelo yeenkonzo ezichazwe kwiCandelo B yile:

• ukuthuthwa kwe-ambulensi engxamisekileyo
• ichemotherapy
• izixhobo zonyango ezizinzileyo njengezitulo ezinamavili, ii-walkers, kunye nezixhobo zeoksijini
• ukunakekelwa kwegumbi likaxakeka
• Ukucofwa kwezintso
• ukuvavanywa kwelabhoratri, njengokuvavanywa kwegazi kunye novavanyo lomchamo
• unyango lomsebenzi
• Olunye uvavanyo, olufana novavanyo lokucinga kunye nee-echocardiograms
• Unyango esibhedlele
• ulungiso lwenyama
• Ukutshintshwa

Icandelo B likwaquka ezinye iinkonzo zokuthintela ngokunjalo. Imizekelo ibandakanya:

• imilinganiselo yokuxinana kwamathambo
• Ukuvavanywa komhlaza njengaleyo yomhlaza webele, umbala, kunye nomhlaza webele
• Ukuhlolwa kwesifo sentliziyo
• Uvavanyo lweswekile
• Uvavanyo lwe-hepatitis B, hepatitis C, kunye ne-HIV
• izifo ezosulela ngokwabelana ngesondo
• Ukugonywa komkhuhlane, i-hepatitis B, kunye nesifo se-pneumococcal

Zeziphi iinkonzo ezingafakwanga yiCandelo B?

Kukho ezinye iinkonzo ezingagutyungelwanga yiCandelo B. Ukuba ufuna ezi nkonzo, kuyakufuneka uzihlawulele epokothweni. Eminye imizekelo yoku ibandakanya:

• uviwo lomzimba oluqhelekileyo
• uninzi lwamayeza amiselweyo
• ukhathalelo lwamazinyo, kubandakanya amazinyo okufakelwa
• uninzi lokhathalelo lombono, kubandakanya iiglasi zamehlo okanye iilensi zonxibelelwano
• izixhobo zokuva
• Unonophelo lwexesha elide
• utyando lwezithambiso
• ezinye iinkonzo zempilo ezinje ngokuthambisa kunye nokuthambisa

Ukuba ungathanda ukugubungela iziyobisi, unokuthenga isicwangciso seMedicare Part D. Izicwangciso zeCandelo D zinikezelwa ziinkampani zeinshurensi zabucala kwaye zibandakanya uninzi lwamachiza amiselweyo.

Ukongeza, i-Medicare Part C (i-Medicare Advantage) izicwangciso zibandakanya zonke iinkonzo ezigutyungelwe phantsi kwe-Medicare yasekuqaleni kunye nezinye iinkonzo ezongezelelweyo ezinje ngamazinyo, umbono, kunye neenkqubo zokuqina. Ukuba uyazi ukuba uya kuzifuna ezi nkonzo rhoqo, qwalasela isicwangciso seCandelo C.

Ngubani olungeleyo kwicandelo B?

Ngokubanzi, la maqela afanelekile kwiCandelo B:

• abaneminyaka engama-65 nangaphezulu
• abantu abakhubazekileyo
• abantu abanezifo zesifo sezintso (ESRD)

Umntu kufuneka alungele icandelo le-A elingena-premium ukuze afanelekele iCandelo B xa beqala ukubhalisa kwi-Medicare. Kuba abantu bahlala behlawula irhafu ye-Medicare ngelixa besebenza, uninzi lwabantu lunelungelo lokufumana i-premium ye-Part A kwaye banokubhalisa kwiCandelo B xa beqala ukufumana i-Medicare.

Ukuba ufuna ukuthenga iCandelo A, usengabhalisa kwiCandelo B. Nangona kunjalo, kufuneka uhlangabeze ezi mfuno zilandelayo:

• ube neminyaka engama-65 okanye ngaphezulu
• ube ngumhlali wase-United States, nokuba ngummi okanye umhlali ngokusisigxina ngokusemthethweni kangangeminyaka emi-5 eqhubekayo

Ixabisa malini iCandelo B kwi-2021?

Ngoku makhe sijonge kwiindleko nganye ezinxulunyaniswa neCandelo B ngo-2021.

Intlawulo yenyanga

Intlawulo yakho yanyanga le uyihlawula inyanga nenyanga kwi-B. Ngowama-2021, isiQendu B seprayimari yenyanga eyi- $ 148.50.

Abantu abanengeniso ephezulu yonyaka banokuhlawula iipremiyamu eziphezulu zenyanga. Ingeniso yakho yonyaka imiselwe ngokusekwe kwirhafu yakho evela kwiminyaka emibini edlulileyo. Ke nge-2021, le iya kuba kukubuyela kwakho kwirhafu ka-2019.

Kukho isohlwayo sokubhalisa emva kwexesha esinokuchaphazela iPrimiyamu yakho yenyanga ngenyanga. Uya kuyibhatala le nto ukuba awuzange ubhalise kwiCandelo B xa wawufanelekile.

Xa ufuna ukuhlawula isohlwayo sokubhalisa emva kwexesha, ipremiyamu yakho yenyanga inokunyuka inyuke iye kwiipesenti ezili-10 zepremiyamu esemgangathweni kwisithuba seenyanga ezili-12 ofanelwe yiCandelo B kodwa ungabhalisanga. Uya kuyibhatala lo gama nje ubhalisile kwiCandelo B.

Ukutsalwa

Ukuxhuzulwa yile nto kufuneka uyihlawule ngaphandle kwepokotho ngaphambi kokuba iCandelo B liqale ukukhusela iinkonzo. Ngo-2021, ukuxhuzulwa kweCandelo B yi- $ 203.

UQinisekiso

I-Coinsurance yipesenti yendleko zenkonzo ozihlawula epokothweni emva kokudibana nokutsalwa kwakho. Ngokwesiqhelo ama-20 epesenti kwiCandelo B.

Ikopi

ICopay sisixa esimiselweyo ohlawula ngaso inkonzo. Iikopi azihambelani neCandelo B. Nangona kunjalo, kukho iimeko ezithile apho unokufuna ukuhlawula enye. Umzekelo, ukuba usebenzisa iinkonzo zonyango lwezibhedlele.

Ubuninzi bepokotho

Umyinge wokuphuma epokothweni ngumda wokuba uza kuhlawula malini epokothweni ngeenkonzo ezigutyungelweyo enyakeni. I-Original Medicare ayinayo ipokotho ephezulu.

Ndingabhalisa nini kwiCandelo B?

Abanye abantu babhalise ngokuzenzekelayo kwi-Medicare yoqobo ngelixa abanye kuya kufuneka babhalise. Makhe siphonononge oku ngakumbi.

Ngubani obhalise ngokuzenzekelayo?

Amaqela abhalise ngokuzenzekelayo kwi-Medicare yoqobo ngala:

• abo baneminyaka yobudala engama-65 kwaye sele befumana izibonelelo zomhlala-phantsi kuLawulo loKhuseleko lweNtlalo (SSA) okanye kwiBhodi yomhlala-phantsi yoLoliwe (RRB)
• Abantu abangaphantsi kweminyaka engama-65 abakhubazekileyo abafumana izibonelelo zokukhubazeka kwi-SSA okanye kwiRRB kangangeenyanga ezingama-24
• Abantu abane-amyotrophic lateral sclerosis (ALS) abafumana izibonelelo zokukhubazeka

Kubalulekile ukuba uqaphele ukuba nangona uza kubhaliswa ngokuzenzekelayo, iCandelo B linokuzithandela. Unokukhetha ukulibazisa iCandelo B ukuba unqwenela njalo. Imeko enye apho oku kunokwenzeka ukuba sele ugqityiwe lelinye icebo ngomsebenzi okanye iqabane.

Ngubani omele abhalise?

Khumbula ukuba ayinguye wonke umntu ofanelekileyo kwi-Medicare yoqobo oya kubhaliswa ngokuzenzekelayo. Abanye kuya kufuneka babhalise kwi-ofisi ye-SSA:

• Abo baneminyaka engama-65 ubudala kwaye okwangoku abafumani zibonelelo zomhlala-phantsi kwi-SSA okanye kwi-RRB banokubhalisa ukuqala kwiinyanga ezi-3 ngaphambi kokuba babe neminyaka engama-65.
• Abantu abane-ESRD bangabhalisela nanini na-xa i-coverage yakho iya kuqala iyahluka.

Ndingasifaka nini isicelo?

• Ixesha lokubhalisa lokuqala. Le festile yeenyanga ezi-7 ejikeleze usuku lwakho lokuzalwa lwama-65 xa ungabhalisela i-Medicare. Iqala kwiinyanga ezintathu ngaphambi kwenyanga yakho yokuzalwa, ibandakanya inyanga yokuzalwa kwakho, kwaye yandisa iinyanga ezi-3 emva komhla wokuzalwa kwakho. Ngeli xesha, ungabhalisela onke amalungu e-Medicare ngaphandle kwesigwebo.
• Ixesha lokubhalisa elivulekileyo (nge-15 ka-Okthobha ukuya kwe-7 kaDisemba). Ngeli xesha, unokutshintsha ukusuka kwi-Medicare yoqobo (icandelo A kunye no-B) ukuya kwiCandelo C (i-Medicare Advantage), okanye ukusuka kwiCandelo C ukubuyela kwi-Medicare yoqobo. Unokutshintsha izicwangciso zeCandelo C okanye ukongeza, ususe, okanye utshintshe isicwangciso seCandelo D.
• Ixesha lokubhaliswa ngokubanzi (ngoJanuwari 1 – Matshi 31). Ungabhalisa kwi-Medicare ngeli xesha lexesha ukuba awuzange ubhalise ngexesha lakho lokuqala lokubhalisa.
  • Ixesha elithile lobhaliso. Ukuba ulibazisile ukubhaliswa kwe-Medicare ngesizathu esivunyiweyo, ungaphinda ubhalise ngexesha lokubhaliswa okukhethekileyo. Uneenyanga ezisi-8 ukusuka esiphelweni sesigqubuthelo sakho okanye ukuphela kwengqesho yakho ukuze ubhalise ngaphandle kwesigwebo.

Ukuthatha

I-Medicare Icandelo B yinxalenye ye-Medicare egubungela iinkonzo zonyango ezinganyanzelekanga. Ikwaquka ezinye iinkonzo zokuthintela. Inxalenye yonyango lokuqala

Abantu abaneminyaka engama-65 okanye ngaphezulu, abakhubazekileyo, okanye i-ESRD banelungelo kwiCandelo B. Iindleko zecandelo B zibandakanya iipremiyamu zanyanga zonke, ezokutsalwa, kunye ne-coinsurance okanye i-copay. Ezinye iinkonzo azigutyungelwanga yiCandelo B kwaye kuya kufuneka zihlawulwe epokothweni.

Abantu abaninzi babhalise ngokuzenzekelayo kwi-Medicare yoqobo. Abanye kuya kufuneka babhalise nge-SSA. Aba bantu, kubalulekile ukuba banikele ingqalelo kumhla obekiweyo wokubhalisa.

Eli nqaku lahlaziywa ngo-Novemba 16, 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.