10 Nzira dzaunogona Kuchengetedza Pane Yako Medicare Maprimiyamu muna 2021

Zvemukati

• 1. Nyoresa panguva
• 2. Tsvaga kana iwe uchikodzera kuwana premium-isina Chikamu A
• 3. Mhan'ara kana mari yako yaenda pasi
• 4. Funga nezveMedare Kubatsira
• 5. Shamba uchitenderera
• 6. Tarisa muMedicaid
• 7. Nyorera chirongwa cheMedicare chekuchengetedza
• 8. Wana Medicare Yakawedzerwa Rubatsiro
• 9. Tarisa uone kana nyika yako iine State Pharmaceutical Assistance Chirongwa
• 10. Tsvagisa zvimwe zvirongwa zvehurumende
• Kutora

• Kunyoresa panguva, kumhan'ara shanduko mumari, uye kutenga kwakatenderedza zvirongwa zvinogona kubatsira kudzikisa maprimiyamu ako eMedare.
• Zvirongwa zvakaita seMedicaid, zvirongwa zvekuchengetwa kweMedare, uye Rubatsiro Rakawedzerwa zvinogona kubatsira kubhadhara mari yako yehutano.
• Imwe nyika inoti inogona zvakare kunge iine zvirongwa zvekubatsira kufukidza izvimari.

Zvichienderana nekuti ndeupi chikamu cheMedare kana chirongwa chaunosarudza, unogona kuve nemubhadharo wemwedzi wega. Izvo zvinodhura zvemaprimiyamu izvi zvinogona kuwedzera kumusoro.

Muchokwadi, inofungidzirwa kuti chikamu chimwe muzvina chevanhu vese vane Medicare vanoshandisa makumi maviri muzana kana kupfuura emari yavanowana pamaprimiyamu uye mamwe mabasa ekurapa asina kufumurwa.

Nekudaro, kune nzira dzinoverengeka dzekubatsira kuchengetedza pane ako maMedhemare maprimiyamu. Ramba uchiverenga kuti udzidze nezvenzira gumi dzaungashandisa kuchengetedza mitengo yako pasi.

1. Nyoresa panguva

Vanhu vazhinji vanozvinyora voga mune yekutanga Medicare (Chikamu A uye Chikamu B). Nekudaro, vamwe vanofanirwa kusaina.

Nguva yekutanga yaunogona kunyoresa muMedare iri panguva yako yekutanga kunyoresa nguva. Iyi inguva yemwedzi minomwe inoumbwa nemwedzi waunosvitsa makore makumi matanhatu nemashanu, pamwe nemwedzi mitatu pamberi nepashure.

Zvimwe zvikamu zveMedare zvinonoka kunyoresa zvikwereti. Izvi zvinoreva kuti iwe ungatofanira kubhadhara mari yekuwedzera pamubhadharo wako wemwedzi kana ukasanyoresa paunotanga kukodzera.

Heano ekupedzisira manyorero ekunyorwa sezvavanoshanda kumatunhu akasiyana eMedicare:

• Chikamu A. Mari yako yepamwedzi yemubhadharo inogona kuwedzera kusvika kusvika gumi muzana. Iwe uchabhadhara iyi yakawedzera mari yepamusoro kaviri nhamba yemakore iwe ungadai wakanyoresa muChikamu A asi hauna.
• Chikamu B. Mari yako yemubhadharo yemwedzi nemwedzi inogona kukwira ne10 muzana yeyakajairwa Chikamu Chikamu B pamwedzi wega wega wemwedzi gumi nemaviri yaungadai wakanyoresa muChikamu B, asi ukasarudza kusadaro. Iwe uchabhadhara izvi nguva yese yaunenge uine Chikamu B.
• Chikamu D. Iwe unogona kubhadhara mari yekuwedzera yeChikamu D maprimiyamu kana iwe ukaenda mazuva makumi matanhatu kana makumi matatu mushure mekutanga kwako kunyoresa nguva usina imwe nzira yekufanirwa yemishonga yekuvhara mishonga.

2. Tsvaga kana iwe uchikodzera kuwana premium-isina Chikamu A

Kuziva kana iwe uchizofanira kubhadhara mari yepamwedzi yeChikamu A kunogona kukubatsira kuronga kuti ndeupi rudzi rweMedicare rwekunyoresa mairi.

Vanhu vazhinji havabhadhare mari yemwedzi neChikamu A. Izvi zvinodaro nekuti vakabhadhara mitero yeMedare kwekota makumi mana (makore gumi) kana kudarika.

Vanhu vasina kubhadhara Medicare mutero yeiyi nguva yenguva vachabhadhara mari yepamwedzi yeChikamu A. Muna 2021, ungangoda kubhadhara pakati pe $ 259 kusvika $ 471 pamwedzi kana usiri kukodzera kupihwa chikamu chepachena.

3. Mhan'ara kana mari yako yaenda pasi

Zvimwe zvikamu zveMedare zvinosanganisirwa nemari inoenderana nemubhadharo pamwedzi (IRMAA).

IRMAA imwezve yekuwedzera iyo inogona kuiswa kumabhadharo emwedzi neChikamu B uye Chikamu D mudzimba dzine mari dzakakwira. Izvi zvinotemerwa zvichibva pane yemari yemitero yekudzosa ruzivo kubva pamakore maviri apfuura.

Kana iwe parizvino uripa chiripo pamubhadharo wako wepamwedzi nekuda kweIRMAA, unogona kumhan'ara shanduko yemari nekuda kwechimwe chinhu senge kurambana, kufa kwemurume kana mukadzi, kana kudzikiswa kwebasa.

Iwe unogona kuita izvi nekufonera Social Security Administration (SSA), uchizadza Hupenyu-Kuchinja Chiitiko fomu, uye nekupa rakakodzera zvinyorwa. Iyo SSA inogona kushandisa iyi ruzivo kuti igone kudzikisa kana kubvisa iyo yekuwedzera.

4. Funga nezveMedare Kubatsira

Medicare Kubatsira (Chikamu C) zvirongwa zvinotengeswa nemakambani einishuwarenzi akazvimirira. Aya marongero anosanganisira zvese zvakafukidzwa pasi pekutanga Medicare uye zvinogona zvakare kusanganisira mamwe mabhenefiti senge mazino uye kuona kwekuvhara.

Chikamu C zvirongwa zvinowanzove nemari yepasi pamwedzi. Muchokwadi, zvinofungidzirwa kuti zvezvirongwa zviripo zveChechi C hazvina premium yemwedzi.

Nekuda kweizvi, Chikamu C zvirongwa zvinogona kunge zviri zvakanaka sarudzo kune avo vari kutsvaga yakaderera premium mitengo. Izvi zvinogona kunyatso kuitika kana iwe:

• havana kukodzera kuwana -mahara-Chikamu A
• unoda kubhadhara kunonoka kunyoresa zvikwereti zvezvikamu A uye B
• unofanirwa kubhadhara IRMAA pachikamu chako chePart B

5. Shamba uchitenderera

Kune zvimwe zvikamu zveMedare zvinotengeswa nemakambani akazvimirira. Izvi zvinosanganisira:

• Chikamu C (Chakanakira)
• Chikamu D (inonyorwa mishonga yekuvhara)
• Medigap (Medicare yekuwedzera inishuwarenzi)

Iwo maprimiyamu emwedzi nemwedzi ezvirongwa izvi anoiswa nemakambani ari kuvapa. Mari iyo iwe yauchabhadhara inogona kusiyanisa zvakanyanya neicho chakatarwa chirongwa, iyo kambani iri kuchipa iyo, uye nzvimbo yako.

Nekuda kweizvi, mutemo wakanaka wechigunwe kuenzanisa zvirongwa zvakawanda zvinopihwa munzvimbo yako usati wasarudza imwe. Medicare ine anobatsira ekuenzanisa maturusi ePart C uye Chikamu D zvirongwa, pamwe neMedigap kufukidza.

6. Tarisa muMedicaid

Medicaid mubatanidzwa wehurumende uye chirongwa chehurumende chinogona kubatsira vanhu vane mari shoma kana zviwanikwa kubhadhara mari yavo yehutano. Inogona zvakare kubatsira kuvhara masevhisi ayo asingawanzo kufukidzwa neMedare, senge kutarisirwa kwenguva refu.

Zvirongwa zveMedicaid zvinogona kusiyanisa kubva kudunhu kuenda kudunhu. Kuti uwane zvimwe pamusoro pemapurogiramu eMedicaid anowanikwa mudunhu rako, uye kuti uone kana uchikodzera, bata hofisi yeMedicaid yenyika yako.

7. Nyorera chirongwa cheMedicare chekuchengetedza

Zvirongwa zvekuchengetedzwa kweMedare zvinogona kukubatsira iwe kubhadhara mari yemubhadharo wako weMedare. Unogona kukodzera MSP kana iwe:

• vanokodzera Chikamu A
• uve nemari kana pazasi pemuganhu wakatarwa, zvinoenderana nerudzi rweMSP
• vane zviwanikwa zvishoma, senge cheki yekutarisa kana yekuchengetedza, masheya, kana mabhondi

Kune mana marudzi eMSPs:

• 8. Wana Medicare Yakawedzerwa Rubatsiro

  Yakawedzerwa Rubatsiro chirongwa chinogona kubatsira vanhu vane mari shoma kana zviwanikwa kubhadhara mari inosanganisirwa neMedare mishonga yemishonga inorayirwa. Mienzaniso yemitengo yakafukidzwa neKuwedzera Rubatsiro ndiwo maprimiyamu emwedzi nemwedzi, anobvisirwa mari, uye macopay.

  Zvinofungidzirwa kuti rubatsiro rwunopihwa neExtra Rubatsiro rwunosvika madhora zviuru zvishanu pagore. Pamusoro pezvo, vanhu vari kushandisa Rakawedzerwa Rubatsiro havazodi kubhadhara iyo yekupedzisira kunyoresa chirango cheChikamu D zvirongwa.

  Kuti uwane rubatsiro rwekuwedzera rubatsiro, unofanirwa kusangana nemipimo yakatarwa pamari nemari. Kuti uone kana iwe uchikodzera rubatsiro rwekuwedzera uye kunyorera chirongwa ichi, shanyira iyo SSA's Yekuwedzera Rubatsiro saiti.

  Uyezve, vamwe vanhu vanokodzera otomatiki kune Rakawedzerwa Rubatsiro. Aya mapoka anosanganisira:

  • vanhu vane yakazara Medicaid kufukidza
  • avo vanogamuchira rubatsiro kubva kuMSP, kunyanya QMB, SLMB, kana chirongwa cheQI
  • vanhu vachiwana Supplemental Security Income mabhenefiti kubva kuSSA

  9. Tarisa uone kana nyika yako iine State Pharmaceutical Assistance Chirongwa

  Dzimwe nyika dzinogona kuve neHurumende Pharmaceutical Rubatsiro Chirongwa (SPAP). Aya mapurogiramu anogona kubatsira nemubhadharo wemishonga yekunyorerwa uye anogona zvakare kubatsira kuvhara Chikamu Chikamu D.

  Haasi ese matunhu ane SPAPs. Pamusoro pezvo, kufukidza uye kukodzera zvinodiwa zvinogona kusiyana nenyika. Medicare ine chishandiso chinobatsira chekutsvaga kuti uone kana nyika yako iine SPAP uye izvo zvinofukidzwa nechirongwa ichi.

  10. Tsvagisa zvimwe zvirongwa zvehurumende

  Pamusoro penzira dzese dzekuchengetedza-mari dzatataura pamusoro, mamwe matunhu anogona kunge aine zvimwe zvirongwa zvinogona kukubatsira iwe kuchengetedza pamaprimiyamu ako eMedare.

  Kuti uwane zvimwe, bata wako State Health Inishuwarenzi Rubatsiro Chirongwa (SHIP). Iwe unogona kuwana ruzivo rwehurumende yako kuburikidza ne SHIP webhusaiti.

  Kutora

  Izvo zvinodhura zveMedicare maprimiyamu zvinogona kuwedzera kumusoro. Nekudaro, pane dzimwe nzira dzaungashande kubatsira kubatsira kudzikisa mitengo.

  Dzimwe sarudzo dzekudzikisa mutengo kune chero munhu ane Medicare dzinosanganisira kuve nechokwadi chekunyoresa nenguva, kuzivisa shanduko mumari, uye kufunga nezvechikamu cheC Part C chinopesana neMedicare yekutanga.

  Kune zvekare zvirongwa zviripo kubatsira vanhu vane mari shoma kana zviwanikwa kubhadhara mutengo wehutano, kusanganisira maprimiyamu. Izvi zvinosanganisira Medicaid, MSPs, uye Rakawedzerwa Rubatsiro.

  Pamusoro pezvo, nyika yako inogona kunge iine zvimwe zvirongwa munzvimbo yekubatsira kudzikisa mutengo wehutano. Ive neshuwa yekutaurirana yako yenyika Hurumende Hutano Inishuwarenzi Rubatsiro Chirongwa kuti uwedzere ruzivo

  Ichi chinyorwa chakagadziridzwa munaNovember 17, 2020, kuratidza 2021 Medicare ruzivo.

  

  Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.