Ndekupi Kwandinoenda Kunobatsirwa neMedare?

Zvemukati

• Ndekupi kwandingawane rubatsiro rwechokwadi rwekunzwisisa Medicare?
• SHIP / SHIBA
• Ndekupi kwandingawane rubatsiro rwekunyoresa muMedare?
• Zvekuchengetedzwa Kwemagariro
• Ndekupi kwandingawane rubatsiro kubatsira kubhadhara Medicare?
• Ndiani wandinosangana naye kana ndiri kubhadhara mari yepamusoro?
• Ndekupi kwandingawane rubatsiro kana mari yangu iri shoma?
• Medicaid
• Anokodzera Medicare Mubatsiri (QMB) chirongwa
• Inotsanangurwa yakaderera-inowana mari Medicare Mubatsiri (SLMB) chirongwa
• Inokodzera Individual (QI) chirongwa
• Vanokodzera Vakaremara Kushanda Vakasarudzika (QDWI) chirongwa
• Yakawedzera Rubatsiro
• Ko kana ini ndichida rumwe rubatsiro kupfuura izvo zvinopihwa izvi zvirongwa?
• PACE chirongwa
• NCOA inobatsira kuongorora
• Ndiani wandinotaura naye kana ndine matambudziko eMedare?
• Medicare Kodzero Center
• Senior Medicare Patrol (SMP)
• Kutora

• Nyika dzese dzine State Health Inishuwarenzi Rubatsiro Chirongwa (SHIP) kana State Hutano Inishuwarenzi Bhenefiti Advisors (SHIBA) kukubatsira iwe kudzidza zvakawanda nezveMedare zvirongwa uye maitiro ekunyoresa mazviri.
• Iyo Social Security Administration (SSA) inogona kukubatsira kunyorera online, uri munhu, kana parunhare.
• Zvirongwa zveFederal nehurumende zvinogona kubatsira iwe kubhadhara mari yeMedare.

Kufungidzira maitiro ekunyoresa muMedare, nzira yekusarudza chirongwa chakanakira iwe, uye mabhadhariro ako eprimiyamu anogona kutyisa, kunyangwe hazvo zviwanikwa zvakawanda zviripo.

Heano mafupi gwara rekukubatsira iwe kufamba nenzira, kunyangwe iwe uchida kunyatsonzwisisa zvirongwa uye mabhenefiti, kunyoresa muMedare, kana kuwana rubatsiro kubhadhara mari yeMedare.

(Uye kuti ikubatsire kutsanangura mazwi mazhinji emumazita uye mazwi auchasangana nawo munzira, ungangoda kuchengeta iyi Medicare glossary iri pedyo.)

Ndekupi kwandingawane rubatsiro rwechokwadi rwekunzwisisa Medicare?

Zvimwe zvezvinhu zveMedare zvinowirirana zvinoshamisa, izvo zvinoita kuti zvive nyore kunzwisisa. Zvimwe zvikamu zvinoshanduka gore rega rega - uye kushaya nguva dzakatarwa kana kushomeka mitengo kunogona kutungamira kune isingadiwe mari. Kana iwe uine mibvunzo nezve Medicare, heano mamwe akavimbika zviwanikwa zvekubvunza:

SHIP / SHIBA

Iyo State Health Inishuwarenzi Yekubatsira Chirongwa (SHIP) uye State Health Inishuwarenzi Inobatsira Vanopa mazano (SHIBA) ndeasina purofiti maratidziro anoshandirwa nevadzidzi, vasina rusaruro vanozvipira vanogona kukutungamira kuburikidza nesarudzo yako yeMedare. SHIP uye SHIBA vanachipangamazano uye makirasi anogona kukubatsira iwe kuziva:

• iyo inobatsira akasiyana siyana Medicare zvirongwa anovhara
• izvo izvo sarudzo sarudzo dziri munharaunda yako
• sei uye sei kunyoresa muMedare
• kuti ungawana sei rubatsiro rwekuvhara mari
• kodzero dzako dziri pasi peMedare

Kuti uwane zvimwe pamusoro penzvimbo yako yeShip office, shanyira webhusaiti yenyika kana kufona 877-839-2675. Iwe unogona zvakare kuwana runyorwa rwehurumende-ne-nyika SHIPI / SHIBA mafoni, kusanganisira nhamba dzenhare, pane ino Medicare saiti.

Ndekupi kwandingawane rubatsiro rwekunyoresa muMedare?

Zvekuchengetedzwa Kwemagariro

Iyo Social Security Administration (SSA) inotarisira iyo Medicare online application maitiro. Vanhu vazhinji vanozokwanisa kupedzisa kunyorera mune angangoita maminetsi gumi. Iwe pamwe haufanire kunge uine chero mamwe magwaro aripo paunoshandisa.

Kana usiri fan of online application, unogona zvakare kunyorera nefoni. Fonera 800-772-1213 pakati pa7 am na7 pm kubva Muvhuro kusvika Chishanu. Kana iwe uri matsi kana mumwe munhu ane nyaya dzekunzwa, unogona kushandisa iyo TTY sevhisi pa800-325-0778.

Nekuti mazhinji maSA mahofisi emahara anoramba akavharwa nekuda kwe COVID-19 zvirambidzo, kunyorera mumunhu kunogona kunge kwakaoma izvozvi. Asi iwe uchiri kugona kubata yako yemuno munda hofisi kuti ubatsirwe uchishandisa iyi Social Security hofisi locator.

Nekuda kwekuti nzvimbo zhinji dzekupa zano dzeSHIP dzakamisa misangano yemunhu, dzimwe nyika dziri kupa rubatsiro kuburikidza nemakirasi eMedicare chaiwo. Kuti uwane makirasi ane ruzivo runoshanda kunzvimbo yako, shanyira webhusaiti yeSHIP uye tinya pane "SHIP locator." Makirasi mazhinji anowanikwa muchiSpanish uye muchiChirungu.

Ndekupi kwandingawane rubatsiro kubatsira kubhadhara Medicare?

Unogona kunyoresa muMedare zvisinei nezinga rako remari. Vanhu vazhinji havabhadhare chero chinhu kuMedicare Chikamu A (chipatara) kufukidzwa. Kune Chikamu B (chekurapa) kufukidza, vanhu vazhinji vanobhadhara mubhadharo we $ 144.60 muna 2020.

Ndiani wandinosangana naye kana ndiri kubhadhara mari yepamusoro?

Kana yako mari yaunowana iri pamusoro kudarika $ 87,000, unogona kubhadhara mari inoenderana nemubhadharo pamwedzi (IRMAA). Kana iwe wakagamuchira IRMAA chiziviso uye iwe uchifunga kuti zvinoenderana nezvisirizvo zvemari yekuwana kana iwe wakambove neshanduko huru muhupenyu hwako sezvo yako yemari yakaverengerwa, unogona kukwidza sarudzo.

Bata hofisi yeSSA iri munharaunda yako uchishandisa ino shamba hofisi locator kana nekufonera iyo yenyika SSA mutero-wakasununguka pa800-772-1213. Iwe unozofanirwa kuzadza fomu iri kuti utaure chiitiko chinoshandura hupenyu.

Ndekupi kwandingawane rubatsiro kana mari yangu iri shoma?

Kana mari yako yaunogumira, unogona kukodzera kubatsirwa kubhadhara mari yako yepamberi nezvakabviswa. Aya ndiwo mamwe mapurogiramu anogona kukubatsira nemari yeMedare.

Medicaid

Kana iwe uri mubatsiri weMedicare nemari shoma kana zviwanikwa, unogona kukodzera kuMedicaid. Medicaid chirongwa chinoshandiswa nehurumende yemubatanidzwa pamwe nehurumende dzenyika. Iyo inobhadhara kune mamwe mabhenefiti ayo Medicare isingape.

Iwe unogona kunyoreswa mune ese ari maviri Medicare neMedicaid panguva imwe chete, zvisinei nekuti une yekutanga Medicare (Chikamu A uye Chikamu B) kana chirongwa cheMedicare Advantage (Chikamu C).

Anokodzera Medicare Mubatsiri (QMB) chirongwa

Iyo QMB chirongwa chimwe chezvirongwa zvina zvekubatsira zvakagadzirwa neDhipatimendi reHutano neHuman Services (HHS). Kunyangwe hHS yakatanga zvirongwa izvi, izvozvi zvinoshandiswa nehurumende dzenyika.

Ichi chirongwa chinobatsira vanhu vanosangana nemiganhu yemari kubhadhara kune:

• Chikamu A maprimiyamu
• Chikamu cheprimamu
• kubviswa
• coinsurance
• copayments

Kana iwe uri muchirongwa cheQMB, chiremba wako uye vanopa hutano vanobvumirwa kukubhadharira mari shoma chete yemishonga yekunyorera ($ 3.90 muna 2020). Ivo havabvumidzwe kukubhadharira iwe sevhisi uye zvimwe zvinhu zvakafukidzwa neMedare.

Iyo 2020 yemwedzi pamari miganho yeiyo QMB chirongwa ndeiyi:

• Mumwe nemumwe: $ 1,084
• Vakaroora: $ 1,457

Iyo 2020 zviwanikwa miganho yeiyo QMB chirongwa ndeiyi:

• Mumwe nemumwe: $ 7 860
• Vakaroora: $ 11,800

Kuti ubatsirwe kunyorera chirongwa cheQMB, shanyira ino saiti yeMedare uye sarudza nyika yako kubva kumenyu.

Aya mapurogiramu anotsanangura sosi semari yauinayo mukutarisa kana kusevha account, masheya, mabhondi, uye zvivakwa (kunze kwekumba kwako). "Resource" haisanganisi imba yaunogara, mota yako, fanicha, kana zvinhu zvako wega.

Inotsanangurwa yakaderera-inowana mari Medicare Mubatsiri (SLMB) chirongwa

Ichi chirongwa chehurumende chinogona kukubatsira iwe kuwana mari yekubhadhara yako Chikamu B ma premium. Kuti ukwanise, unofanirwa kunyoreswa muMedare uye unosangana neimwe miganho yemari.

Iyo 2020 yemwedzi pamari miganho yechirongwa cheSLMB ndeiyi:

• Mumwe nemumwe: $ 1,296
• Vakaroora: $ 1,744

Iyo 2020 sosi miganho yechirongwa cheSLMB ndeiyi:

• Mumwe nemumwe: $ 7 860
• Vakaroora: $ 11,800

Kunyorera chirongwa cheSLMB, shanyira ino saiti yeMedicare uye sarudza yako mamiriro kubva kumenyu.

Inokodzera Individual (QI) chirongwa

Iyo QI chirongwa chinotungamirwa nenyika yako. Inobatsira vanobatsirwa veMedicare nemari shoma yavanobhadhara kubhadhara yavo chikamu chepiri B. Kunyorera chirongwa ichi, shanyira ino Medicare saiti uye sarudza yako mamiriro kubva kumenyu.

Iyo 2020 yemwedzi pamari miganho yechirongwa cheQI ndeiyi:

• Mumwe nemumwe: $ 1,456
• Vakaroora: $ 1,960

Iyo 2020 sosi miganho yechirongwa cheQI ndeiyi:

• Mumwe nemumwe: $ 7 860
• Vakaroora: $ 11,800

Vanokodzera Vakaremara Kushanda Vakasarudzika (QDWI) chirongwa

Ichi chirongwa chinokubatsira iwe kubhadharira chero Chikamu A premium iwe yawe chikwereti. Kunyorera chirongwa ichi, shanyira ino Medicare saiti uye sarudza yako mamiriro kubva kumenyu.

Iyo 2020 yemwedzi pamari miganho yechirongwa cheQDWI ndeiyi:

• Mumwe nemumwe: $ 4,339
• Vakaroora: $ 5 833

Iyo 2020 sosi miganho yechirongwa cheQDWI ndeiyi:

• Mumwe nemumwe: $ 4,000
• Vakaroora: $ 6,000

Yakawedzera Rubatsiro

Kana iwe uchikodzera iyo QMB, SLMB, kana QI zvirongwa, iwe unozongoerekana uchikodzera iyo Yekuwedzera Rubatsiro chirongwa futi. Ichi chirongwa chinokubatsira iwe kubhadharira Medicare tsamba yekunyorera zvinodhaka.

Rakawedzerwa Rubatsiro rwoga runovandudza gore rega kunze kwekunge mari yako kana zviwanikwa zvachinja. Zviziviso zvinotumirwa munaGunyana (pabepa grey) kana paine shanduko mune yaunowana kana zviwanikwa uye iwe unofanirwa kunyorera zvakare. Zviziviso zvinotumirwa muna Gumiguru (pabepa reorenji) kana macopayments ako ari kuchinja.

Uchadaro kwete unofanirwa kupedzisa kunyorera kana iwe uine Medicare uye iwe zvakare unogashira Supplemental Security Income (SSI) kana kana iwe uine zvese zviri zviviri Medicare neMedicaid. Mumamiriro ezvinhu aya, iwe unowana Yakawedzera Rubatsiro otomatiki.

Zvikasadaro, kana iwe ukasangana nemiganhu yemari, unogona kunyorera Yekuwedzera Rubatsiro pano. Kana iwe uchida rubatsiro kuzadza kunyorera, unogona kufonera Social Security pa800-772-1213 (TTY: 800-325-0778).

Kana iwe uchida rumwe ruzivo nezve Yakawedzerwa Rubatsiro muSpanish, ungangoda kutarisa iyi vhidhiyo.

Ko kana ini ndichida rumwe rubatsiro kupfuura izvo zvinopihwa izvi zvirongwa?

PACE chirongwa

Kana iwe uine makore makumi mashanu nemashanu kana kudarika uye uchida kuchengetwa kwemusha wevanotarisirwa, unogona kukodzera chirongwa cheZvose-Zvinosanganisira Kuchengeta Vakwegura (PACE) chirongwa, icho chinokutendera iwe kuti ugamuchire akasiyana siyana masevhisi akafanana neaya iwe waungade. pinda munzvimbo yevanamukoti vane hunyanzvi. Aya masevhisi, zvakadaro, iwe unopihwa kwauri kuburikidza nevekumusha- uye munharaunda-based-vehutano vatapi, uye ivo vanobhadhara zvishoma.

Kana iwe uine Medicaid, PACE haizokudhara chero chinhu. Kana iwe uine Medicare, iwe unobhadhara mari yemwedzi pamwedzi yechengetedzo yako uye nemitemo. Kana iwe usina kana Medicare kana Medicaid, iwe unogona achiri kubhadhara uri wega kuti utore chikamu muchirongwa.

Kuti uone kana uchigara mune imwe yenyika makumi matatu nenhatu dzinopa zvirongwa zvePACE, shanyira ino webhusaiti yeMedicare.

NCOA inobatsira kuongorora

Sangano reNational Council pamusoro peKuchembera (NCOA) rinopa bhenefiti yekutarisa kuti ikubatsire iwe kuwana rubatsiro rwemuno nezvose kubva kuMedare mari yekufambisa uye pekugara.

Iwe unongoda kupindura mibvunzo mishoma kudzikisira nzvimbo yako uye nerudzi rwekubatsira iwe kwauri kutsvaga, uye iyo NCOA ichakubatanidza iwe kune runyorwa rwezvirongwa zvinogona kukubatsira iwe. Iyo NCOA dhatabhesi ine zvinopfuura zviuru zviviri nemazana mashanu ezvirongwa zvinobatsira vanhu kudunhu rese.

Ndiani wandinotaura naye kana ndine matambudziko eMedare?

Kana iwe uchida kutaura kune mumwe munhu nezvekodzero dzako pasi peMedicare, kana kana iwe uchida kuudza dambudziko nemupi wezvehutano, heano mamwe maitiro aunofunga.

Medicare Kodzero Center

Iyo Medicare Kodzero Center isangano repasirese risingabatsiri iro rinopa kuraira, dzidzo, uye kukurudzira kune vanobatsirwa neMedare. Iwe unogona kutaura kune mumiriri nekudana 800-333-4114 kana kushanyira webhusaiti yayo.

Senior Medicare Patrol (SMP)

Kana iwe uchifunga kuti paita kukanganisa mune yako Medicare kubhadharisa kana iwe uchifungidzira Medicare kubiridzira, unogona kusvika kune iyo SMP. SMP inzvimbo yezve zviwanikwa yenyika inobhadharwa nezvipo kubva kuHurumende yeCommunity Living, inova chikamu cheHHS.

SMP inzvimbo yakanaka yekuenda kune ruzivo rwazvino nezveMedicare-zvine chekuita neshungu. Nhare yekubatsira yenyika ndeye 877-808-2468. Vanachipangamazano vanoshandira runhare rwunozokwanisa kukuisa iwe mukubatana nehofisi yako SMP hofisi.

Kutora

• Kuwana rubatsiro neMedare kunogona kubatsira kuona kuti iwe wawana chirongwa chakakodzera, kunyoresa panguva, uye chengetedza yakawanda mari paMedare inodhura sezvinobvira.
• Kushanda nenyanzvi muhurongwa hwenyu hweSHIP uye SHIBA zvirongwa inzira yakanaka yekupindura mibvunzo iwe yaunogona kuve nayo usati, panguva, uye mushure mekunyora maitiro.
• Kutsvaga zvimwe nezve nyika uye federal Medicare zvirongwa zvekuchengetedza zvinogona kubatsira iwe kudzikisira mitengo, uye kuziva kuti ndiani waunosheedza kana iwe ukaona dambudziko kunogona kukuchengetedza kubva pakuva nyajambwa wekubiridzira kana kushungurudzwa.

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.