Tsanangudzo Dzakakosha dzeKubatsira Iwe Kufambisa Medicare

Zvemukati

• Amyotrophic lateral sclerosis (ALS)
• Kupararira kwenjodzi
• Nzvimbo dzeMedare & Medicaid Services (CMS)
• Kumbira
• Coinsurance
• Copay
• Kuvhara gap
• Inobviswa
• Donut hole
• Midziyo yekurapa inogara (DME)
• Kupera nhanho renal chirwere (ESRD)
• Yakawedzera Rubatsiro
• Formulary
• Kazhinji kunyoresa nguva
• Hutano Kuchengetedza Sangano (HMO) zvirongwa
• Imari-inoenderana pamwedzi yekugadzirisa huwandu (IRMAA)
• Yekutanga kunyoresa nguva
• Kunonoka kunyoresa chirango
• Medicaid
• Medicare Kubatsira (Chikamu C)
• Medicare-inogamuchirwa huwandu
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu C
• Medicare Chikamu D
• Medicare akachengetedza maakaundi
• Zvirongwa zveMedigap
• Vhura nguva yekunyora
• Kunyoresa kwekutanga
• Yekutanga Medicare
• Kunze-kwe-muhomwe mari
• Kunze kwehomwe kunonyanyisa
• Anopa mukana
• Anosarudzika Provider Sangano (PPO) zvirongwa
• Premium
• Mutarisiri wepuraimari (PCP)
• Yakavanzika Mari-Ye-Yebasa (PFFS) zvirongwa
• Zvirongwa Zvakakosha Zvezvirongwa (SNP)
• Yakakosha kunyoresa nguva (SEP)
• Yemagariro Kuchengetedzwa Kwekutonga (SSA)
• Makore maviri ekumirira nguva
• Kiredhiti kwebasa

Kunzwisisa mitemo uye mari yeMedare kunogona kukubatsira kuronga zvehutano hwako. Asi kuti unzwisise zvechokwadi Medicare, unofanira kutanga waziva nezvimwe zvakakosha - {textend} asi kazhinji zvinokanganisa - {textend} mazwi.

Kunyangwe iwe wakabata nezveinishuwarenzi munguva yakapfuura, Medicare ine mutauro wayo uye inoshandisa mazwi akasarudzika nemitsara inoshanda chete kune ayo marongero uye kufukidza. Kuziva zvinorehwa nemazwi aya uye mashandisiro awo kuMedare kunogona kukubatsira kuronga kuburikidza neruzivo, kufamba nenzira, uye kuita sarudzo yehutano yakanakisa iwe yaunogona.

Heano mazwi akajairika iwe aunogona kuona kana uchitsvaga yako Medicare sarudzo:

Amyotrophic lateral sclerosis (ALS)

ALS chirwere chinokonzeresa tsandanyama uye pakupedzisira chinotungamira kurufu. Inotumidzwawo kuti chirwere chaLou Gehrig, chakatumidzwa zita remutambi mukuru weligi baseball Lou Gehrig, uyo akafa neALS muna 1941.

Kana uine ALS, unokodzera Medicare kunyangwe usiri makore makumi matanhatu nemashanu. Uye unokodzera ipapo ipapo - {textend} pasina iyo makore maviri ekumirira nguva inowanzo fanirwa kukodzera kweMedare kana iwe uri pasi pemakore makumi matanhatu nemashanu uye uine hurema husingaperi.

Kupararira kwenjodzi

Iwe unotanga kugamuchira izvo zvinonzi zvine njodzi kufukidzwa kana iwe uchinge wasvika yakanyanya huwandu hwekunze-kwe-muhomwe kushandisa kwako kwako kunyorerwa zvinodhaka zvegore.

Muna 2020, kupararira kwakaipisisa kunotanga pamadhora mazana matatu nemazana matatu nemakumi matatu nemashanu. Ukangosvika pamari iyi, iwe unozobhadhara kopi diki chete kana kusimbiswa kwemari yegore rose rekubatsira.

Nzvimbo dzeMedare & Medicaid Services (CMS)

CMS isangano remubatanidzwa rinotarisira Medicare neMedicaid, pamwe nezvivakwa zvinobvumirana navo. Mitemo yakaburitswa neCMS inoona kuti zvivakwa zvese zvinogamuchira Medicare neMedicaid kubhadhara zvinosangana nemimwe mitemo.

Kumbira

Chikumbiro chikumbiro chemubhadharo chinotumirwa kuchirongwa cheinishuwarenzi senge Medicare. Zvino, kungave Medicare kana iyo inishuwarenzi kambani inopa kufukidza ichagadzirisa chikumbiro uye kubhadhara mupi (wezvehutano wezvehutano kana nzvimbo). Medicare kana iyo inishuwarenzi kambani inogona kuramba chikumbiro kana sevhisi isina kuvharwa kana mamiriro anodikanwa asina kusangana.

Coinsurance

Mari yeinishuwarenzi yemubhadharo chikamu chemari yese yaunotarisira. Medicare Chikamu B ine mari yekusimbisa yemakumi maviri muzana eMedhi-inogamuchirwa huwandu hwakawanda akavharwa masevhisi. Izvi zvinoreva kuti Medicare ichabhadhara makumi masere muzana emutengo uye iwe unobhadhara makumi maviri muzana asara.

Copay

Kopa, kana kukopa, ndiyo mari yakatarwa yaunobhadhara kune rimwe basa. Zano rako rinobhadhara iyo yasara mutengo. Semuenzaniso, yako Medicare Advantage chirongwa chinogona kunge chiine $ 25 copay yekushanya kwese kwachiremba.

Kuvhara gap

Iyo yekuvhara gap, inonziwo iyo donut hole, inoreva nguva iyo iwe yaunogona kubhadhara yakawanda kune yako ekurapa madhiragi. Muna 2020, kana iwe nechirongwa chako cheMedare Chikamu D chabhadhara mari inosvika madhora mazana mana nemazana maviri kuenda kumitemo yako, iwe uri pamutemo mubako rekuvhara. Iyi nguva inopera kana uchinge wasvika iyo $ 6,350 inodiwa kuti ugamuchire nenjodzi.

Munguva yakapfuura, iri gwanza rekuvhara rakasiya vabatsiri veMedare vachibhadhara muhomwe kumishonga yavo yese yemishonga. Asi shanduko dzichangoburwa pamitemo yeinishuwarenzi neiyo Affordable Care Act yaita kuti mukana uyu uve nyore kubata.

Kutanga Ndira 1, 2020, pane kubhadhara zana muzana kubva muhomwe, iwe unobhadhara makumi maviri neshanu muzana emutengo wemichero yakafukidzwa yakajairika nemazita ezita paunenge uri mubako rekuvhara.

Inobviswa

Iyo inobviswa ndiyo iyo huwandu hwaunoda kubhadhara kubva muhomwe kuitira sevhisi chirongwa chako cheMedare chisati chabhadhara chero mutengo. Muna 2020, iyo Medicare Chikamu B inobviswa i $ 198.

Nekudaro, iwe unobhadhara iyo yekutanga $ 198 kunze kwehomwe yehutano hwehutano mabasa. Mushure meizvozvo, chirongwa chako cheMedare chinotanga kubhadhara.

Donut hole

Gomba redonut iri rimwe izwi rinoshandiswa kutsanangura mukaha wekuvhara pakati peChikamu D muganho wekubhadhara uye mubhadharo wakanyanya wegore.

Midziyo yekurapa inogara (DME)

DME inosanganisira zvekurapa zvaungangoda mumba mako kugadzirisa mamiriro. DME inosanganisira zvinhu zvakaita semota matangi eoksijeni uye zvekushandisa kana zvekufambisa zvinobatsira sekufamba. Yako Medicare Chikamu B chirongwa chinofukidza DME iyo iyo Medicare-inogamuchirwa chiremba yakaraira iwe.

Kupera nhanho renal chirwere (ESRD)

ESRD inhanho yekupedzisira yechirwere cheitsvo, chinonzi chirwere cheitsvo. Itsvo dzevanhu vane ESRD hadzichashandi. Vanoda dialysis kurapwa kana itsvo kuisirwa.

Kana iwe uine ESRD, unogona kugamuchira Medicare pasina iyo yemakore maviri-ekumirira nguva, kunyangwe iwe uri pasi pemakore makumi matanhatu nemashanu.

Yakawedzera Rubatsiro

Rakawedzerwa Rubatsiro chirongwa cheMedare chinobatsira vatori vechikamu kubhadhara mutengo weMedicare Chikamu D. Zvirongwa zvekuwedzera zvekubatsira zvinoenderana nemari yaunowana uye zvinogona kukubatsira iwe nemari yeshuwarenzi kana mari yepamberi.

Formulary

A formulary irondedzero yemishonga iyo yakasarudzika Chikamu D chirongwa chinofukidza. Kana iwe ukatora mushonga uyo usiri pane yako chirongwa fomu, iwe unofanirwa kubhadhara kubva muhomwe kana kukumbira chiremba wako kuti ape imwe yakafanana mishonga iyo yako chirongwa inovhara.

Kazhinji kunyoresa nguva

Iwe unogona kunyoresa mune yekutanga Medicare (zvikamu A neB) gore rega pakati paNdira 1 naKurume 31. Izvi zvinozivikanwa seyakajairika kunyoresa nguva. Kuti ushandise hwindo iri, uchafanirwa kuve unokodzera Medicare asi usati watowana kufukidzwa.

Hutano Kuchengetedza Sangano (HMO) zvirongwa

Medicare Kubatsira (Chikamu C) zvirongwa zvinogona kupihwa mune mashoma mafomati, zvichienderana nenzvimbo yako. HMOs inozivikanwa chirongwa chekubatsira. Uine HMO, iwe unofanirwa kushandisa seti network yevanopa zvehutano zvivakwa uye zvivakwa kana iwe uchida yako Medicare chirongwa chekuvhara mari. Iwe unogona zvakare kudiwa kuti usarudze wekutanga chiremba uye uwane kutumirwa kubva kuna iye chiremba kana iwe uchida kuona nyanzvi.

Imari-inoenderana pamwedzi yekugadzirisa huwandu (IRMAA)

VeMedare vanobatsirwa vanoita mari inodarika madhora mazana masere nemakumi mashanu ezviuru vachabhadhara zvinopfuura zvakajairwa $ 144.60 Chikamu B pamwedzi mubhadharo. Iyi yakawedzera premium inonzi IRMAA. Iyo inowedzera mari yako, iyo yakawanda IRMAA yako ichave iri, inosvika pakukwira kwemadhora mazana masere nemakumi masere nepfumbamwe.

Yekutanga kunyoresa nguva

Yako yekutanga kunyoresa nguva iwadhi yemwedzi minomwe inotanga mwedzi mitatu mwedzi usati wasvika makore makumi matanhatu nemashanu ekuberekwa kwako. Apa ndipo paunotanga kunyoresa kuMedare. Nguva yekunyora inopera mwedzi mitatu mushure memwedzi wako wekuzvarwa.

Semuenzaniso, kana iwe ukasvitsa makore makumi matanhatu nemashanu muna Nyamavhuvhu 2020, yako yekutanga kunyoresa nguva yaizotanga kubva Chivabvu 2020 kusvika Mbudzi 2020.

Kunonoka kunyoresa chirango

Kana iwe ukasanyoresa muchikamu B paunotanga kuve unokodzera Medicare, ungangoda kubhadhara kunonoka kunyoresa chirango kana iwe uchinyoresa.

Kazhinji, iwe unobhadhara yekuwedzera gumi muzana yegore rega iwe iwe usina kunyoreswa. Mari yechirango inowedzerwa kumubhadharo wako wepamwedzi weprimiyamu.

Iwe haugone kubhadhara kunonoka kunyoresa chirango kana iwe uchikodzera iyo yakakosha kunyoresa nguva.

Medicaid

Medicaid chirongwa cheinishuwarenzi chehutano chakagadzirirwa vanhu vane mari shoma.Zvirongwa zveMedicaid zvinotungamirwa nedunhu rega rega, saka mitemo uye zvakaringana ruzivo rwechirongwa zvinogona kusiyana.

Kana iwe uchikodzera kuwana Medicaid, unogona kuishandisa pamwe neMedare uye kudzikisa kana kubvisa yako kunze-kwe-muhomwe mari.

Medicare Kubatsira (Chikamu C)

Medicare Kubatsira zvirongwa zvinonziwo Medicare Chikamu C zvirongwa. Ivo vanopihwa nemakambani akazvimiririra ayo anobvumirana neMedare.

Zvirongwa zvekubatsira zvinotora nzvimbo yeMedicare yepakutanga (Chikamu A uye Chikamu B). Ese Medicare Advantage zvirongwa zvinofanirwa kufukidza zvese zvinofukidza A uye B kuvhara. Uyezve, zvirongwa zvakawanda zvinowedzera kuwedzera kufukidzwa kwezvinhu zvakaita sekuchengeta mazino, mabasa ekuona, kana mishonga.

Medicare Kubatsira zvirongwa zvine yavo yemaprimiyamu, inobvisirwa mari, uye zvimwe zvekunze-kwehomwe mari.

Medicare-inogamuchirwa huwandu

Medicare yakamisikidza mitengo iyo yaichabhadhara kuitira mabasa ehutano. Iyi yakatarwa mutengo inonzi iyo Medicare-inogamuchirwa huwandu. Zvese zvehutano zvivakwa zvinogamuchira Medicare zvakabvuma kubhadharisa aya anotenderwa mari kuitira masevhisi.

Medicare Chikamu A

Medicare Chikamu A inishuwarenzi yechipatara. Inovhara kugara kwako muchipatara, pamwe nekugara munzvimbo dzekuchengetedza kwenguva refu. Iwe unogona zvakare kuwana kumwe kufukidzwa kwehutano hwepamba kana kuchengetwa kwehospital.

Medicare Chikamu B

Medicare Chikamu B inishuwarenzi yekurapa. Inovhara zvinhu zvakaita sekushanyirwa nachiremba, kushanyirwa nenyanzvi, hutano hwepfungwa, uye nhare yekurapa yakasimba. Chikamu B zvakare chinofukidza kutarisirwa nekukurumidza nekushanyira kuimba yekukurumidzira.

Medicare Chikamu C

Medicare Kubatsira dzimwe nguva kunonzi Medicare Chikamu C. Aya mazwi maviri anoreva chirongwa chimwe chete. Nekudaro, chikamu Chikamu C chirongwa cheAdvantage.

Medicare Chikamu D

Medicare Chikamu D chakaparadzaniswa chakapararira chemishonga yemishonga. Medicare zvikamu A uye B zvinopa chete mashoma ekurapa ekurapa zvinodhaka kufukidza, saka vamwe vanobatsirwa vanosarudza kutenga yekuwedzera kufukidzwa neChikamu D chirongwa. Yako Chikamu D chirongwa chichava neyakasiyana premium.

Medicare akachengetedza maakaundi

A Medicare savings account (MSA) rudzi rwechirongwa cheMedicare Advantage ine yakaderedzwa yakakwenenzverwa uye akaundi yakachengetedzwa yakasungirirwa. MSA inoronga kuisa mari muaccount account, iyo inogona kushandiswa kubhadhara mari yekurapa usati wasangana neyako inobviswa.

Zvirongwa zveMedigap

Zvirongwa zveMedigap zvirongwa zvekuwedzera zvinokubatsira iwe kubhadhara mari yekubuda muhomwe yeMedicare yepakutanga. Pane gumi akasiyana zvirongwa zveMedigap.

Zvirongwa izvi zvinopihwa nemakambani anobvumirana neMedare. Mari yako yeMedigap inogona kusiyana zvichienderana nedunhu rako.

Vhura nguva yekunyora

Vhura nguva yekunyoresa inoitika panguva yakatarwa gore rega rega, kubva Gumiguru 15 kusvika Zvita 7. Munguva yeiyo yakavhurika kunyoresa hwindo, unogona kusaina chirongwa cheAdvantage, kutenga Medigap, nezvimwe.

Kunyoresa kwekutanga

Yako yepakutanga kunyoresa nguva ndipo paunotanga kunyoresa muMedare. Izvi zvinowanzoitika panguva yekutanga kunyoreswa, muye-7-mwedzi hwindo kutenderedza 65th yako yekuzvarwa. Kana iwe uri pasi pemakore makumi matanhatu nemashanu, zvinogona zvakare kuve makore maviri mushure mekunge iwe watanga kugamuchira Social Security hurema mabhenefiti.

Yekutanga Medicare

Medicare zvikamu A uye B pamwe zvinowanzo kunzi seyaMedical yepakutanga, kana echinyakare Medicare. Chekutanga Medicare haina kusanganisira Chikamu C (Zvirongwa zvekubatsira), Chikamu D, kana zvirongwa zveMedigap.

Kunze-kwe-muhomwe mari

Mari dzako dzekunze-muhomwe ndidzo mari dzaunobhadharira hutano hwako. Zvinogona kusanganisira yako inobvisirwa, mari yeinokoshesesa, uye mari yekubhadhara.

Kunze kwehomwe kunonyanyisa

Iyo yekunze-kwehomwe yakakwira chivharo pane iyo mari yaunobhadhara kune anotenderwa ekuchengetwa kwehutano masevhisi mune chero rakatarwa gore. Kana ukangosvika pamari iyi, Medicare ichatora mutengo wese wezviitiko zvinotenderwa.

Kunze-kwe-muhomwe ma maximums anosanganisira kukopa uye mari yemari yekusimbiswa. Chete Medicare Kubatsira (Chikamu C) zvirongwa zvine izvo. Imwe neimwe Medicare Kubatsira chirongwa inogona kuseta iyi huwandu, saka inogona kusiyana. Muna 2020, iyo yekunze-kwehomwe yakakwira haigone kudarika $ 6,700 pagore.

Anopa mukana

Iye anotora chikamu anotora chikamu mupi wehutano wehutano uyo anobvumirana neMedare kuti ape sevhisi kana ndiani ari chikamu chenetiweki yehurongwa hweHMO kana PPO. Vatori vechikamu vanotora chikamu vakabvuma kugamuchira iyo Mari-inogamuchirwa mari yekubatira uye kurapa vanobatsirwa veMedare.

Anosarudzika Provider Sangano (PPO) zvirongwa

PPOs ndeimwe mhando inozivikanwa yehurongwa hweMedare Inobatsira. Kunge HMO, maPPO anoshanda neyakagadzirirwa network yevanopa. Uine PPO, zvakadaro, unogona kuenda kunze kwenetiweki yako kana iwe uchida kubhadhara yakakwira kukopa kana mari yemari yekusimbisa.

Premium

Iyo premium imari yemwedzi wega iwe yaunobhadhara yeinishuwarenzi Sezvo vanhu vazhinji vasingabhadhare mari yeMedare Chikamu A, iwe unowanzo bhadhara mubhadharo weChikamu B chete kana iwe uine yekutanga Medicare. Chikamu chePrim B muna 2020 chiri $ 144.60.

Medicare Kubatsira zvirongwa, Chikamu D zvirongwa, uye zvirongwa zveMedigap zvinotengeswa nemakambani einishuwarenzi akazvimirira. Izvi zvinogona kubhadharisa mwero wakasiyana zvichienderana nekambani kana chirongwa chaunosarudza.

Mutarisiri wepuraimari (PCP)

PCP yako ndiye chiremba anokuona iwe kuitira kugara uchidzivirira uye kudzivirira, senge epanyama epagore. Pasi peimwe Medicare Inobatsira HMO inoronga, iwe unofanirwa kushanda pamwe ne-in-network PCP. Uye kana iwe uchida kutarisirwa kwakasarudzika, PCP yako ichafanirwa kuita kuti uendese kune yako chirongwa chekufukidza kuchengetwa uku.

Yakavanzika Mari-Ye-Yebasa (PFFS) zvirongwa

Chirongwa chePFFS isiri mhando yakajairika yeMedicare Advantage chirongwa icho chisina network kana chinoda kuti iwe uve nachiremba wekutanga. Pane kudaro, iwe uchabhadhara yakatarwa mari kune yega sevhisi iwe yaunogamuchira kubva kune chero Medicare-inogamuchirwa nzvimbo.

Zvirongwa Zvakakosha Zvezvirongwa (SNP)

Mamwe makambani anopa Medicare Advantage zvirongwa zvinozivikanwa seSNPs. SNP yakagadzirirwa avo vanobatsirwa vane zvakakosha zvemari kana zvehutano zvinodiwa.

Semuenzaniso, iwe unogona kuona SNPs yakanangana ne:

• vanhu vanogara munzvimbo dzekuyamwisa
• vanhu vane mari shoma
• vanhu vanogadzirisa chirwere chisingaperi sechirwere cheshuga

Yakakosha kunyoresa nguva (SEP)

SEP hwindo rinokutendera kuti unyore muMedare kunze kwekutanga kana akajairwa kunyoresa nguva mafuremu. SEPs dzinoitika kana iwe uine hukuru hupenyu shanduko, senge kutamira kune nyowani yekuvhara nzvimbo kana kuenda pamudyandigere kubva kubasa iro raive richipa yako hutano inishuwarenzi.

Mushure mekuchinja kwako kana chiitiko chehupenyu, uchave uine mwedzi-misere hwindo yekusainira Medicare. Kana iwe ukanyoresa panguva ino, haubhadhare kunonoka kunyoresa chirango.

Yemagariro Kuchengetedzwa Kwekutonga (SSA)

Iyo Social Security Administration (SSA) inesangano remubatanidzwa rinotarisa pamudyandigere uye nehurema mabhenefiti. Kana iwe ukatambira SSA mabhenefiti, unogona kugamuchira Medicare Chikamu A premium-yemahara. Kana iwe wanga uchigashira Social Security hurema mabhenefiti kwemakore maviri, iwe unozongo nyorwa muMedicare, kunyangwe iwe uri pasi pemakore makumi matanhatu nemashanu.

Makore maviri ekumirira nguva

Unogona kuwana Medicare kana uri pasi pemakore makumi matanhatu nemashanu uye uine hurema husingaperi. Iwe unozofanirwa kufanirwa neSocial Security hurema mari uye uigamuchire kwemakore maviri pamberi pekuvharwa kweMedare kunotanga. Izvi zvinozivikanwa seyemakore maviri ekumirira nguva.

Izvo zvakakosha kuti uzive kuti ino yemakore maviri-ekumirira nguva haishande kune vanhu vane ESRD kana ALS.

Kiredhiti kwebasa

Kiredhiti kekushandira ndiko kunoona kukodzera kwako kweSocial Security mabhenefiti uye chikamu chisina mubhadharo Chikamu A. Iwe unowana macredit ebasa pachiyero chechina pagore - {textend} uye unowanzoda zvikwereti makumi mana kuti ugamuchire-isina-chikamu Chikamu A kana SSA mabhenefiti . Vashandi vadiki vanove vakaremara vanogona kukodzera nezvikwereti zvishoma.

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.