Chii chinonzi Medicare Chikamu A Mutengo muna 2021?
Zvemukati
- Chii chinonzi Medicare Chikamu A?
- Iko kune kwekutanga kweMedicare Chikamu A?
- MIBVUNZO: Unofanirwa kunyoresa muMedicare Chikamu B kana iwe ukanyoresa muChikamu A?
- Pane here zvimwe zvinodhura zveMedare Chikamu Chikamu A?
- MIBVUNZO: Ndeipi chikamu Chikamu chebatsiro?
- Kuchengetwa kwechipatara
- Unyanzvi hwekuchengeta nzvimbo
- Kuchengetwa kwepamba
- Kuchengeta varwere
- Inpatient hutano hwepfungwa hutano
- MIBVUNZO: Ndichabhadhara chirango here kana ndikasanyoresa muChikamu A nekukurumidza pandiri kukodzera?
- Chii chinonzi Medicare Chikamu A chinovhara?
- Chii chisingatauri Chikamu A?
- Kutora
Iyo Medicare chirongwa chakaumbwa nezvakawanda zvikamu. Medicare Chikamu A pamwechete neMedicare Chikamu B vanogadzira izvo zvinonzi sepakutanga Medicare.
Vanhu vazhinji vane Chikamu A havafanirwe kubhadhara mari yepamberi. Zvisinei, kune zvimwe zvinodhura, zvakadai semadeductibles, copays, uye coinsurance iwe unogona kubhadhara kana iwe uchida kurapwa kuchipatara.
Hezvino izvo zvaunoda kuziva nezve maprimiyamu uye zvimwe zvinodhura zvine chekuita neMedare Chikamu A.
Chii chinonzi Medicare Chikamu A?
Medicare Chikamu A inoonekwa seinishuwarenzi yechipatara. Izvo zvinobatsira kuvhara zvimwe zvemitengo yako kunzvimbo dzakasiyana dzekurapa nehutano kana iwe uchigamuchirwa seinpatient.
Vamwe vanhu vanozozvinyoresa voga muChikamu A kana vava kukodzera. Vamwe vachatofanira kuzvinyorera kuburikidza neSocial Security Administration (SSA).
Iko kune kwekutanga kweMedicare Chikamu A?
Vanhu vazhinji vanonyoresa muChikamu A havazobhadhara mari yemwedzi. Izvi zvinonzi premium-yemahara Medicare Chikamu A.
Medicare Chikamu A maprimiyamu anoenderana nenhamba yekota munhu akabhadhara Medicare mutero asati anyoresa muMedare. Mitero yeMedare ndeimwe yemitero inobvisirwa mari kubva pamabhadharo ese aunogashira.
Kana usati washanda huwandu hwemakumi mana emakota (kana makore gumi), heuno huwandu hweChikamu A premium chinodhura muna 2021:
| Yese makota iwe yawakabhadhara Medicare mutero | 2021 Chikamu Chekutanga pamwedzi |
|---|---|
| 40 kana kupfuura | $0 |
| 30–39 | $259 |
| < 30 | $471 |
Paunonyoresa muChikamu A, unozogamuchira kadhi reMedare mune tsamba. Kana iwe uine Chikamu A kufukidza, yako Medicare kadhi ichati "HOSPITAL" uye uve nezuva iro iro rako rekuvhara rinoshanda. Unogona kushandisa kadhi iri kugamuchira chero masevhisi akafukidzwa neChikamu A.
MIBVUNZO: Unofanirwa kunyoresa muMedicare Chikamu B kana iwe ukanyoresa muChikamu A?
Kana iwe ukanyoresa muChikamu A, iwe unozofanira zvakare kunyoresa muChikamu B. Medicare Chikamu B chinovhara kunze kwehutano hutano semaitiro ekugadzwa kwachiremba.
Iwe unozobhadhara yakasarudzika yemwedzi weprimiyamu yeichi chinyorwa. Chiyero chePrim B chikamu mu2021 i $ 148.50, uye vanhu vazhinji vane Chikamu B vachabhadhara mari iyi.
Pane here zvimwe zvinodhura zveMedare Chikamu Chikamu A?
Kunyangwe iwe uchibhadhara mari yemwedzi pamwedzi yeMedare yako Chikamu A kana kwete, pane zvimwe zvinodhura zvinosanganisirwa neChikamu A futi. Mari idzi dzinozosiyana zvichienderana nezvinhu zvakaita serudzi rwechivakwa chawakabvumidzwa uye nekureba kwekugara kwako.
Iyi yekuwedzera-ye-muhomwe mari inogona kusanganisira:
- Zvinobviswa: iyo mari yaunoda kubhadhara chikamu Chikamu A chisati chatanga kuvhara mitengo yekutarisirwa kwako
- Copays: chitsama chakatarwa chaunofanira kubhadhara kuitira sevhisi
- Coinsurance: Iyo pesenti iyo iwe yaunobhadhara kune masevhisi mushure mekunge iwe wasangana neyako deductible
MIBVUNZO: Ndeipi chikamu Chikamu chebatsiro?
Nguva dzekubatsirwa dzinonyorera kugara kwechipatara muchipatara, nzvimbo yehutano hwepfungwa, kana nzvimbo yekuyamwisa vane hunyanzvi.
Penguva yega yega yekubatsira, Chikamu A chichafukidza kuwanda kwemazuva makumi matanhatu ekutanga (kana mazuva makumi maviri ekutanga enzvimbo yevanamukoti vane hunyanzvi) mushure mekusangana neyakabviswa. Mushure menguva yekutanga iyi, iwe uchafanirwa kubhadhara mari yezuva nezuva.
Nguva dzekubatsirwa dzinotanga zuva raunotambirwa seanorwara uye rinopera mazuva makumi matanhatu wabva panzvimbo. Iwe hautange nguva nyowani yekubatsirwa kudzamara wave kunze kwekuchengetwa kwevarwere kwemazuva makumi matanhatu akateedzana.
Kuchengetwa kwechipatara
Heano maitiro eimwe neaya emari inodhura kupinda muchipatara kugara mu2021:
| Kureba kwekugara | Mari yako |
|---|---|
| inobvisirwa kusangana kune yega nguva yekubatsirwa | $1,484 |
| mazuva 1-60 | $ 0 yemari yemazuva ese |
| mazuva 61-90 | $ 371 yemari yemari zuva rega |
| zuva 91 uye mberi (unogona kushandisa anosvika makumi matanhatu emazuva ekuchengetera mazuva) | $ 742 yemari zuva rega rega |
| mushure memazuva ese ehupenyu akachengetedzwa mazuva achishandiswa | zvese zvinodhura |
Unyanzvi hwekuchengeta nzvimbo
Zvivakwa zvehunyanzvi zvine hunyanzvi zvinopa rubatsiro rwekuvandudza zvakaita sehunyanzvi vane hunyanzvi, kurapwa pabasa, kurapwa kwemuviri, uye mamwe mabasa kubatsira varwere kupora kubva mukukuvara uye kurwara.
Medicare Chikamu A inovhara mutengo wekutarisirwa munzvimbo ine hunyanzvi yekuyamwisa; zvisinei, pane mari yaunofanira kubhadhara zvakare. Hezvino izvo iwe zvauchabhadhara kwekugara munzvimbo ine hunyanzvi nzvimbo yevanamukoti panguva yega yega yekubatsira nguva muna 2021:
| Kureba kwekugara | Mari yako |
|---|---|
| mazuva 1–20 | $0 |
| mazuva 21-100 | $ 185.50 yemari zuva rega |
| zuva 101 uye mberi | zvese zvinodhura |
Kuchengetwa kwepamba
Medicare Chikamu A chinofukidza epfupi-kwenguva epamba mabasa ekuchengetedza hutano mune mamwe mamiriro akakodzera. Medicare inofanira kubvumidza yako epamba hutano mabasa. Kana ukabvumidzwa, haugone kubhadhara chero chinhu kune epamba mabasa ehutano.
Kana iwe uchida chero chinhu chakasimba chinorapwa panguva ino, senge kurapa kwemuviri, zvekuchengetedza maronda, uye zvigadzirwa zvekubatsira, iwe unogona kuve unoitisa makumi maviri muzana emitengo inobvumidzwa neMedare yezvinhu izvi.
Kuchengeta varwere
Chero bedzi mupi (s) waunosarudza ari Medicare-anotenderwa, Medicare Chikamu A chichafukidza kutarisira varwere. Kunyangwe iwo masevhisi pachawo achiwanzove asina mutengo, panogona kunge paine mari yauchazodikanwa kubhadhara yakadai se:
- mari yekubhadhara isingasvike pamadhora mashanu pamushonga wega wega wekurapa uye kudzora kwezviratidzo kana uri kugamuchira kurapwa kumba
- 5 muzana yemari inobvumidzwa neMedicare yekurapa kwekurapa kwepatient
- mutengo wakazara wekuchengetwa kwemusha wevanotarisirwa, sezvo Medicare isingabhadhari yekuchengetwa kwemusha wevanotarisirwa panguva yekuriritira kana chero imwe nguva
Inpatient hutano hwepfungwa hutano
Medicare Chikamu A inovhara inpatient hutano hwepfungwa hutano; zvisinei, pane mari iwe yaunogona kudiwa kuti ubhadhare.
Semuenzaniso, iwe unofanirwa kubhadhara makumi maviri kubva muzana eMedhi-anotenderwa mitengo yehutano hwepfungwa kubva kuna vanachiremba uye vane marezinesi varapi kana iwe uchigamuchirwa kune imwe nzvimbo seinpatient.
Heano maitiro einpatient hutano hwepfungwa pekugara unodhura muna 2021:
| Kureba kwekugara | Mari yako |
|---|---|
| inobvisirwa kusangana kune yega nguva yekubatsirwa | $1,484 |
| mazuva 1-60 | $ 0 yemari yemazuva ese |
| mazuva 61-90 | $ 371 yemari yemari zuva rega |
| mazuva 91 nekupfuura, panguva iyo iwe yaunoshandisa yako yehupenyu akachengeterwa mazuva | $ 742 yemari zuva rega rega |
| mushure memazuva makumi matanhatu emazuva ese akachengetedzwa ave kushandiswa | zvese zvinodhura |
MIBVUNZO: Ndichabhadhara chirango here kana ndikasanyoresa muChikamu A nekukurumidza pandiri kukodzera?
Kana iwe usiri kukodzera kupihwa-isina-chikamu Chikamu A uye wosarudza kusatenga icho paunotanga kugona kunyoresa muMedare, unogona kunge uri pasi pechirango chekunonoka kunonoka. Izvi zvinogona kukonzeresa kuti mari yako yemubhadharo yemwedzi uwedzere kusvika kusvika gumi muzana yegore rega rega iwe usanyorese muMedicare Chikamu A mushure mekukodzera.
Iwe uchabhadhara iyi yakawedzera mari yepamuviri zvakapetwa huwandu hwemakore iwe wawakakodzera Chikamu A, asi hauna kuzvinyorera. Semuenzaniso, kana iwe ukanyoresa makore matatu mushure mekunge iwe uchikodzera, iwe uchabhadhara iyo yakawedzera premium yemakore matanhatu.
Chii chinonzi Medicare Chikamu A chinovhara?
Chikamu A chinowanzo bata anotevera marudzi ekuchengetedza:
- kuchengetwa muchipatara
- hutano hwepfungwa
- hunyanzvi hwekuchengetedza nzvimbo
- inpatient kugadzirisa
- kurapa
- hutano hwepamba
Iwe unongovharwa pasi peChikamu A kana iwe uchigamuchirwa kune imwe nzvimbo seinpatient (kunze kwekunge iri imba yekurapa). Naizvozvo, zvakakosha kuti ubvunze vanokuchengeta kana iwe uchifungidzirwa seanorapika kana wekunze pazuva rega rekugara kwako. Kunyangwe iwe uchifungidzirwa seanorwara kana anorapa anogona kukanganisa kufukidza kwako uye kuti yakawanda sei yaunofanira kubhadhara.
Chii chisingatauri Chikamu A?
Kazhinji, Chikamu A hachifukidze kuchengetwa kwenguva refu. Kuchengetwa kwenguva refu zvinoreva kusarapwa kwekurarama kwezuva nezuva kune vanhu vakaremara kana chirwere chenguva refu. Muenzaniso unenge uri rudzi rwekuchengetedzwa kunopihwa panzvimbo yekubatsira yakabatsirwa.
Pamusoro pezvo, Chikamu A hachibhadhare kuchipatara chevanorwara kana nzvimbo yehutano hwepfungwa inogara kupfuura mazuva ako ekuchengetedza ehupenyu. Une mazuva makumi matanhatu ekuchengetera aunogona kushandisa kana uri inpatient mune chimwe chezvivakwa izvi mushure mekunge wavapo kwemazuva makumi mapfumbamwe.
Mazuva ese akachengetwa mazuva haana kuzadzikiswa. Kana uchinge washandisa ese, iwe ndiwe uno mutoro wezvese zvinodhura. Semuenzaniso, kana iwe wakashandisa ese ako ekuchengetedza mazuva panguva yapfuura inpatient chipatara inogara kwenguva inopfuura mazuva makumi mapfumbamwe, iwe ndiwe uno mutariri wezvese zvinodhura kana wako anotevera anorwara achigara anopfuura mazuva makumi mapfumbamwe.
Kutora
Medicare Chikamu A chinovhara kugara kwechipatara, senge kune avo vari muchipatara kana nzvimbo ine hunyanzvi yekuyamwisa. Pamwe pamwe neChikamu B, zvikamu izvi zvinoumba yekutanga Medicare.
Vanhu vazhinji havabhadhare mari yemwedzi pamwedzi yechikamu A, asi kune zvimwe zvinodhura zvinosanganisirwa neChikamu A izvo iwe zvaungazodikanwa kubhadhara semadonhwe, macopay, uye kusimbiswa kwemari.
Chinyorwa ichi chakagadziridzwa munaNovember 13, 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.
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