Ndeipi Medicare Yemahara?
Zvemukati
- Ndezvipi zvikamu zveMedare zvakasununguka?
- Medicare Chikamu A mahara here?
- Medicare Chikamu A chemahara here kana ndine hurema?
- Medicare Chikamu B mahara here?
- Medicare Chikamu C (Medicare Advantage) yemahara?
- Medicare Chikamu D mahara here?
- Medicare Supplement (Medigap) yakambosununguka here?
- Kutora
- Medicare haina mahara asi inobhadharwa muhupenyu hwako hwese kuburikidza nemitero yaunobhadhara.
- Iwe haufanire kubhadhara mari yekutanga yeMedare Chikamu A, asi iwe unogona kunge uchiri necopay.
- Izvo iwe zvaunobhadharira Medicare zvinoenderana nekuti wakashanda kwenguva yakareba sei, kuti unoita zvakadii izvozvi, uye zvirongwa zvipi zvaunosarudza.
- Kufananidza zvirongwa zveMedare kunogona kukubatsira kusarudza sarudzo dzakanakisa dzemamiriro ako ega.
Medicare haina mahara; zvisinei, havazi vese vanozobhadhara mari yekutanga. Kune akasiyana mapurogiramu eMedare, uye mamwe anosarudzika. Mari yaunobhadhara inoenderana nezvirongwa zvaunosarudza, uye hwakawanda sei hupenyu hwako hwawakashanda uchishanda nekubhadhara muMedare system kuburikidza nemitero yako.
Nepo Medicare isiri yemahara yemahara, vanhu vazhinji havazobhadhara mari yepamwedzi yekutarisirwa kwekutanga. Medicare chirongwa cheinishuwarenzi chehutano chehutano chaunokodzera pazera remakore makumi matanhatu nemashanu kana uine mamwe matambudziko ehutano kana hurema. Iwe unobhadhara muMedicare system muhupenyu hwako hwese hwekushanda sechikamu chemitero yako uye unowana mabhenefiti eiyi mipiro mushure mehupenyu kana kana ukaonekwa uine hurema.
Ramba uchiverenga kuti uwane kuti ndezvipi zvikamu zvechirongwa zvinosanganisirwa muvharo yako "yemahara" uye ndedzipi sarudzo dzingakutorera iwe zvakanyanya.
Ndezvipi zvikamu zveMedare zvakasununguka?
Kune akatiwandei akasiyana maMedicare zvirongwa kana zvikamu, imwe neimwe ichishandira zvakasiyana hutano zvido. Chimwe nechimwe chezvirongwa izvi chakasiyana pamwedzi pamitengo yemaprimiyamu, macopayments, uye zvakaderedzwa.
Nepo vanhu vangangotarisa zvimwe zvezvirongwa nemasevhisi "zvemahara," iwo ari iwo chaiwo marongero mapurogiramu aunobhadhara iwe mukati memakore ako ekushanda. Kana iwe usina mari yemwedzi yemwedzi yechirongwa cheMedare, imhaka yekuti iwe wakatoisa mari muchirongwa ichocho. Nekudaro, havazi vese vanogamuchira masevhisi aya pasina muripo.
Medicare Chikamu A mahara here?
Medicare Chikamu A inoita kunge "yemahara," asi ndeimwe yemabhenefiti awakabhadhara chaiko kuburikidza nemitero yawakabhadhara mukati memakore ako ekushanda. Vanhu vazhinji havazobhadhara mari yemwedzi pamwedzi yeMedare Chikamu A, iyo inovhara kuchipatara chevanorapwa nekuchengetwa kwemusha wevanotarisira vakwegura, pamwe nekuchengetedza varwere uye mamwe mabasa ehutano epamba. Mari chaidzo dzeChikamu A zvinoenderana nemamiriro ako uye kuti wakashanda kwenguva yakareba sei.
Iwe haubhadhare mari yemwedzi pamwedzi yeMedare Chikamu A kana iwe uri mukuru kune zera makumi matanhatu nemashanu uye chero cheizvi chinoshanda:
- Iwe unogashira mabhenefiti kubva kuSocial Security.
- Iwe unogashira mabhenefiti emudyandigere kubva kuRailroad Retirement Board.
- Iwe kana mumwe wako akashandira hurumende uye makatambira Medicare kufukidzwa.
Iwe unogona zvakare kukodzera kuwana premium-yemahara Medicare Chikamu A kana iwe uri pasi pemakore makumi matanhatu nemashanu uye chero cheizvi chinoshanda:
- Wakatambira Social Security hurema mabhenefiti kwemwedzi makumi maviri nemana.
- Wakatambira Railroad Retirement Board kuremara kwemwedzi makumi maviri nemana.
- Iwe une yekupedzisira nhanho renal chirwere.
Kana iwe usingaite mhando ye premium-yemahara Medicare Chikamu A, iwe unozobhadhara mari yekutanga zvichienderana nenhamba yekota iwe yawakashanda muhupenyu hwako.
| Nguva yenguva yakashanda (uye yakabhadharwa muMedare) | Mwedzi weprimiyamu muna 2021 |
|---|---|
| <Makumi makumi matatu (masvondo mazana matatu) | $471 |
| Makumi makumi matatu nesere kusvika makumi matatu nemakumi matatu (masvondo 360–468) | $259 |
Nepo Chikamu A chichifukidza kurapwa kwako kwevarwere uye zvimwe zvido zvehutano hwepamba, iwe unozofanira zvakare kuve neChipiri B kufukidzwa kwekumwe kushanya kwekurapa uye kuchengetedza kwekudzivirira.
Medicare Chikamu A chemahara here kana ndine hurema?
Kune hurema hwakati wandei hunokodzera kubhadharwa pasina mubhadharo pasi peMedicare Chikamu A. Iyo Social Security Administration inotsanangura hurema uhwo hunokukwanisira iwe kuwana premium-yemahara Medicare Chikamu A, asi kazhinji nyaya dzekurapa dzinotarisirwa kugara kweinopfuura gore kana zvinoguma nerufu zvinokodzera izvi mabhenefiti.
Medicare Chikamu B mahara here?
Medicare Chikamu B chirongwa cheinishuwarenzi chehutano inishuwarenzi inovhara ekurapwa kwevanorapwa kunze kwekushanya kwachiremba nekuchengetedza kwekudzivirira. Izvo hazvipe premium-yemahara sarudzo senge Chikamu A. Maprimamendi emwedzi nemwedzi anobhadhariswa zvichibva padanho rako remari, asi havazi vese vanogashira bhiri remari yavo.
Yako Medicare Chikamu B chekutanga chinobviswa otomatiki kubva kune ako emwedzi mabhenefiti cheki kana iwe uchigamuchira chero cheanotevera:
- Social Security inobatsira
- kubhadhara kubva kuRailroad Retirement Board
- kubhadhara kubva kuHofisi yeVashandi Management
Kune avo vanobhadhara chikamu B chikamu, mhosva dzinosiyana zvichienderana nezinga rako remari. Mari yegore negore kubva ku2019 inoshandiswa kuverenga izvo zvauchabhadhara muna 2021.
| Mari yega yega yegore | Couple yemubatanidzwa wepagore mari | Mwedzi wepamberi |
|---|---|---|
| ≤ $88,000 | ≤ $176,000 | $148.50 |
| > $88,000–$111,000 | > $176,000–$222,000 | $207.90 |
| > $111,000–$138,000 | > $222,000–$276,000 | $297 |
| > $138,000–$165,000 | > $276,000–$330,000 | $386.10 |
| > $165,000–< $500,00 | > $330,000–< $750,000 | $475.20 |
| ≥ $500,000 | ≥ $750,000 | $504.90 |
Mamwe marongero eMedigap anovhara mitengo yeiyo Medicare Chikamu B inobviswa. Zvisinei, muna 2015 mutemo wakadzikwa (iyo Medicare Access uye CHIP Reauthorization Act ya2015 [MACRA]) iyo yakaita kuti zvive zvisiri pamutemo kune zvirongwa zveMedare Supplement (Medigap) kubhadhara chikamu B chinobviswa kune vakanyoresa nyowani kutanga muna 2020.
Nepo vanhu vaitova nehurongwa hwaibhadhara iyi premium vanochengeta kufukidzwa kwavo, kubva muna Ndira 1, 2020, vatsva veMedare vakanyoresa kusagona kusaina zvirongwa zvekuwedzera izvo zvinobhadhara chikamu chePrim B. Zvisinei, kana iwe watove wakanyoresa muMedare uye uine chirongwa cheMedigap icho chinobhadhara chikamu B chakabviswa, unogona kuzvichengeta.
Medicare Chikamu C (Medicare Advantage) yemahara?
Medicare Chikamu C (Medicare Advantage) marongero epachivande einishuwarenzi zvirongwa zvinobatanidza izvo zvinhu zvese zviri zviviri Medicare Chikamu A uye Medicare Chikamu B, pamwe nemamwe masevhisi. Makambani akazvimirira anowana mari kubva kuMedare, saka mamwe marongero anogona kuramba achipa "mahara" kana kudzikiswa mari yepamwedzi.
Dzakananga Chikamu C premium mutengo unosiyana nehurongwa. Kune akasiyana siyana ebasa sarudzo, mhando dzekuvhara, uye mitengo yezvirongwa zveMedare Chikamu C. Vamwe vanotovhara masevhisi senge bvunzo dzemaziso, kutarisirwa kwemazino, zvinobatsira kunzwa, uye zvirongwa zvemuviri.
Zvirongwa zvisingapi mari yemwedzi pamwedzi zvinogona kunge zvichine zvimwe zvinodhura, zvakadaro, senge copays, coinsurance, uye zvinokamurwa. Mazhinji mapurani, zvisinei, anosanganisira ekunze-kwe-muhomwe maiyamu. Medicare inopa chishandiso chepamhepo kuenzanisa mutengo uye masevhisi anosanganisirwa neMedare Advantage zvirongwa zvinopihwa munzvimbo yako.
Medicare Chikamu D mahara here?
Medicare Chikamu D inovhara mishonga yemushonga uye inobhadharwa kuburikidza nemabhizimusi uye imwe mari. Zvirongwa zveMedare zvinobatsira zvinogona kusanganisira kufukidzwa kwekunyorerwa, asi iwe unenge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchipa mushonga wako.
Premium mutengo unosiyana nenzvimbo uye kuronga, uye iwe unogona kushanda nachiremba wako kuti uve nechokwadi chekuti mishonga yaunorongedzerwa inosanganisirwa mune rezvinodhaka runyorwa (inonzi formulary) iyo inogamuchirwa neMedicare. Kana yako mishonga isiri pane yakatenderwa runyorwa, chiremba wako anogona kukumbira izvo zvekusarudzika kana kusarudza imwe mishonga.
Medicare Supplement (Medigap) yakambosununguka here?
Medigap (Medicare Supplement) marongero anowanikwa kuburikidza nemakambani einishuwarenzi akazvimirira. Ivo havana mahara asi vanogona kukubatsira iwe kuchengetedza mari pane imwe Medicare chirongwa chinodhura.
Zvimwe zvirongwa zveMedigap, zvakaita seC uye F, zvaishandiswa kuvhara Medicare Chikamu B zvakaderedzwa. Izvi hazvingashanduke kune vanhu vanotova nezvirongwa izvi, asi vanhu vatsva kuMedare mushure meNdira 1, 2020 havachakwanise kutenga zvirongwa izvi.
Medicare inopa chishandiso chepamhepo kutsvaga zvirongwa zveMedigap munzvimbo yako. Iwe unogona kuenzanisa premium mari uye izvo zvinoteedzera uye zvakabviswa zvinoshanda. Medigap mabhenefiti anokanda mukati mushure mezvakakosha zvirongwa zveMedare seChikamu A uye Chikamu B kufukidzwa kwapera.
Kutora
- Medicare kufukidza kwakaomarara, uye kune zvakawanda zvekufunga zvakasarudzika kune ako mamiriro.
- Iko hakuna zvachose "mahara" zvirongwa zveMedare. Wakashanda kwenguva yakareba sei, yakawanda sei iwe yaunogadzira, uye kuti yakawanda sei iwe yaunokwanisa kubhadhara sekubvisirwa mari usati wabatsirwa mabhenefiti mune zvese zvinhu zvinobatanidzwa pakuverenga yako Medicare mutengo.
- Nepo paine zvimwe zvirongwa zvinopa zvakaderera kana "zvemahara" maprimiyamu, enzanisa zvirongwa uye funga zvese zvakabhadharwa zvinosanganisirwa, zvinosanganisira zvakabviswa, macopayments, uye koresheni yemari.
Ichi chinyorwa chakagadziridzwa munaNovember 20, 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.
Zvinonakidza Nhasi
Atripla (efavirenz / emtricitabine / tenofovir disoproxil fumarate)
