Loluphi uVavanyo lweMedicare

Umxholo

• Izinto ezi-5 onokungazazi malunga ne-Medicare
• Icandelo lezaMayeza A
• Yintoni indleko zecandelo lonyango?
• Icandelo leMedare B
• Iindleko zeCandelo leMedare B zithini?
• Icandelo lonyango Medic C
• Ixabisa ntoni indleko zeCandelo leMedare?
• Icandelo leMedare D
• Yimalini indleko zecandelo lonyango?
• Yintoni i-Medicare engayigubungeliyo
• Ukuthatha

I-Medicare ineendlela ezintlanu eziphambili ezinikezela ngezibonelelo zononophelo kubantu abaneminyaka engama-65 nangaphezulu kunye nabantu abakhubazekileyo kunye nezinye iimeko ezingapheliyo:

• Icandelo le-Medicare A libonelela ngesibhedlele esibalulekileyo.
• Icandelo le-Medicare B ligubungela ukhathalelo lwezigulana ezingalaliswayo njengotyelelo logqirha kunye novavanyo lokuqonda isifo.
• I-Medicare Icandelo C (i-Medicare Advantage) lukhetho lwabucala oludibanisa icandelo A kunye neCandelo B lokugubungela kwaye libonelele ngezibonelelo ezongezelelweyo.
• Icandelo lonyango i-Medicare Icandelo D kukugubungela amayeza.
• Unyango lweMedare (iMedigap) yi-inshurensi yabucala enceda ukuhlawula iindleko eziphuma epokothweni ezinje ngee-copays, i-coinsurance, kunye ne-deductibles.

Xa kuziwa kukhathalelo lwempilo, kubalulekile ukwazi ukuba yintoni egqunyiweyo kunye nengafumanekiyo. Ngenxa yokuba kukho izicwangciso ezininzi ezahlukeneyo zeMedare, kunokuba nokudideka ukwazi ukuba leliphi icebo eliza kukunika ingxelo efanelekileyo. Ngethamsanqa, kukho ezinye izixhobo ezinokwenza kube lula kuwe.

I-Medicare sisicwangciso seinshurensi esibonelelwa ngurhulumente wabantu abaneminyaka engama-65 nangaphezulu, kunye nabantu abakhubazekileyo kunye nabantu abanesifo se-renal (ESRD), uhlobo lokungaphumeleli kwezintso.

Izinto ezi-5 onokungazazi malunga ne-Medicare

Kukho amacandelo amane kwisicwangciso seMedicare: A, B, C, kunye no-D. Icandelo ngalinye ligubungela imiba eyahlukeneyo yokhathalelo lwempilo. Ungabhalisa kwicandelo elinye okanye nangaphezulu kwiMedicare, kodwa ezona ndawo zixhaphakileyo abantu ababhalisa kuzo ziinxalenye A kunye no-B, ezaziwa njengeMedicare yoqobo. La malungu agubungela uninzi lweenkonzo. Ngokuqhelekileyo abantu kufuneka bahlawule i-premium yenyanga, kodwa oku kuyahluka ngokubanzi ngokusekelwe kumvuzo.

Icandelo lezaMayeza A

Icandelo leMedicare A ligubungela iindleko zezigulana xa ungeniswe esibhedlele ngokomyalelo kagqirha. Inika izibonelelo zeenkonzo ezinje:

• abahambahambayo kunye nezitulo ezinamavili
• Unonophelo lwehosisi
• ezinye iinkonzo zononophelo lwempilo ekhaya
• utofelo-gazi

Icandelo A likwabonelela ngoncedo olunqongopheleyo kwizibonelelo zabongikazi ukuba unendawo yokuhlala esibhedlele esifanelekileyo- iintsuku ezintathu zilandelelana ezibangelwe kukuyalelwa esibhedlele ngugqirha.

Yintoni indleko zecandelo lonyango?

Kuxhomekeke kwingeniso yakho, kuya kufuneka uhlawule ipremiyamu yesahlulo se-A. Ukuba usebenze kwaye uhlawule irhafu ye-FICA kangangeminyaka eli-10, awuhlawuli mali kwiCandelo A. Nangona kunjalo, kungafuneka uhlawule ikopi okanye unciphise nayiphi na inkonzo ephantsi kweMedicare Part A. Ungafaka isicelo soncedo okanye uncede ukuba unako ' Ukuhlawula.

Ngokwe-Medicare, ukongeza kwi-1,484 yeedola, kwiindleko zakho zeNxalenye A ye-2021 zibandakanya:

• Isiqinisekiso semali esiyi- $ 0 seentsuku zokulaliswa esibhedlele 1-60
• Uqinisekiso lweedola ezingama-371 ngosuku ngeentsuku zokulaliswa esibhedlele 61-90
• Ama-742 eedolarensi yemini ngosuku lokulaliswa esibhedlele ngosuku lwama-91 nangaphaya kwemini nganye yogcino lobomi
• Zonke iindleko zosuku ngalunye lokulaliswa esibhedlele ngaphezulu kweentsuku zakho zokulondolozwa ebomini
• Akukho ntlawulo kwiintsuku ezingama-20 zokuqala zononophelo lwezakhono zononophelo
• $ 185.50 ngemini kangangeentsuku ezingama-21-100 zononophelo lwendawo evunyiweyo
• Zonke iindleko emva kweentsuku ezili-101 zololongo oluvunyiweyo lwezakhono zononophelo
• Akukho ntlawulo ngokunyamekela abaguli

Ukuze iinkonzo zesibhedlele zigutyungelwe yiMedicare, kuya kufuneka uvunyiwe kwaye ufumane unonophelo kwiziko elamkelweyo lonyango.

Icandelo leMedare B

Icandelo leMedicare B ligubungela iinkonzo zikagqirha kunye nokhathalelo lwempilo, njengokundwendwela ugqirha kunye novavanyo lonyaka. Abantu bahlala benamacandelo A kunye no-B kunye ukuze bafumane eyona nkxaso. Umzekelo, ukuba uhlala esibhedlele, ukuhlala kuya kugqunywa phantsi kwecandelo leMedicare A kunye neenkonzo zikagqirha ziya kugutyungelwa phantsi kweCandelo B.

Icandelo B ligubungela uluhlu olubanzi lweemvavanyo kunye neenkonzo, kubandakanya:

• Ukuvavanywa komhlaza, uxinzelelo kunye neswekile
• i-ambulensi kunye neenkonzo zesebe likaxakeka
• ugonyo kunye hepatitis
• izixhobo zonyango
• Izinto zeswekile

Iindleko zeCandelo leMedare B zithini?

Ezinye zeendleko zeCandelo B yipremiyamu yenyanga eyi- $ 148.50; Nangona kunjalo, ipremiyamu yakho inokuba ngaphantsi okanye ngaphezulu okanye ngaphantsi ngokuxhomekeke kumvuzo wakho.

Ezinye iinkonzo zigutyungelwe phantsi kweCandelo B le-Medicare ngaphandle kweendleko ezongezelelweyo kuwe ukuba ubona ugqirha owamkela i-Medicare. Ukuba ufuna inkonzo engaphandle kwento egutyungelwe yiMedicare, kuya kufuneka uyihlawulele ngokwakho le nkonzo.

Icandelo lonyango Medic C

I-Medicare Icandelo C, ekwabizwa ngokuba yiMedicare Advantage, ithengiswa ngasese ukhetho lweinshurensi olubandakanya ukugquma okufanayo njengenxalenye ye-A kunye ne-B ukongeza kwizibonelelo ezongezelelweyo ezinje ngezicwangciso zamachiza amiselweyo, amazinyo, ukuva, umbono, kunye nabanye. Ukuze uthenge isicwangciso se-Medicare Advantage, kufuneka ubhalise kwi-Medicare yasekuqaleni.

Ixabisa ntoni indleko zeCandelo leMedare?

Uhlala uhlawula ipremiyamu kwezi zicwangciso, kwaye kuya kufuneka ubone oogqirha ngaphakathi kwenethiwekhi yakho. Ngaphandle koko, iintlawulo okanye ezinye iifizi zingasebenza. Iindleko zakho zeCandelo leMedare C zixhomekeke kuhlobo lwesicwangciso osikhethileyo.

Icandelo leMedare D

Icandelo lonyango i-Medicare Icandelo D sisicwangciso esigubungela amayeza amiselweyo angakhankanywanga kwiCandelo B, oluhlobo lonyango olufunekayo ukuba lilawulwe ngugqirha, njengokufakwa okanye inaliti. Esi sicwangciso siyakhethwa, kodwa abantu abaninzi bakhetha ukuba nayo ukuze amayeza abo agutyungelwe.

Yimalini indleko zecandelo lonyango?

Iindleko zeCandelo le-Medicare D ziyahluka ngokuxhomekeka ekubeni zeziphi iintlobo zamayeza owathathayo, isicwangciso onaso, kunye nekhemisi oyikhethayo. Uya kuba nepremiyamu yokuhlawula kwaye, ngokuxhomekeke kumvuzo wakho, kuya kufuneka uhlawule iindleko ezongezelelweyo. Kuya kufuneka wenze iicopayments okanye uhlawule imali enokutsalwa.

Yintoni i-Medicare engayigubungeliyo

Ngelixa i-Medicare igubungela uluhlu olubanzi lokhathalelo, ayizizo zonke izinto ezigutyungelweyo. Uninzi lononophelo lwamazinyo, uviwo lwamehlo, izixhobo zokuva, ukwenza i-acupuncture, kunye nalo naluphi na utyando lwezithambiso alugutyungelwanga yiMedicare yoqobo.

I-Medicare ayigubungeli ukhathalelo lwexesha elide. Ukuba ucinga ukuba wena okanye umntu omthandayo uya kufuna ukhathalelo lwexesha elide, jonga umgaqo-nkqubo weinshurensi yokhathalelo lwexesha elide eyahlukileyo.

Ukuthatha

• I-Medicare iqulathe iintlobo ezintlanu eziphambili zokugubungela, Icandelo A, Icandelo B, Icandelo C, Icandelo D, kunye neMedigap. Olu khetho lubonelela ngeendlela ezininzi zokuhlangabezana neemfuno zakho zokhathalelo lwempilo.
• Ngelixa i-Medicare igubungela iinkonzo ezininzi zononophelo lwempilo njengokulaliswa esibhedlele, ukutyelelwa ngugqirha, kunye nonyango lwamayeza, kukho iinkonzo zonyango ezingasebenziyo.
• I-Medicare ayigubungeli ukhathalelo lwexesha elide, iinkqubo zokuthambisa, kunye nabanye. Unokuqhagamshelana nesixhobo sokugubungela iMedicare okanye utsalele i-800-MEDICARE ukubona ukuba ngaba inkonzo ethile igqunyiwe.

Funda eli nqaku ngeSpanish