Medicare Chikamu A Kuvhara: Izvo Zvaunofanirwa Kuziva kune 2021

Zvemukati

• Chii chinonzi Medicare Chikamu A?
• Chii chinonzi Medicare Chikamu A chinovhara?
• Chii chisina Medicare Chikamu A chisingavhare?
• Chii chinonzi Medicare Chikamu A chinodhura?
• Kune here imwe Medicare chipatara kufukidzwa?
• Ndiri kukodzera here kune Medicare Chikamu A?
• Maitiro ekunyoresa muMedare Chikamu A
• Kutanga kunyoresa
• Kunyorwa kwakakosha
• Kutora

Medicare ndiyo chirongwa cheinishuwarenzi chehutano chenyika muUnited States. Kana munhu aine makore makumi matanhatu nemashanu kana kupfuura kana aine mamwe marapirwo, vanogona kugamuchira Medicare kufukidzwa.

Nzvimbo dzeMedare uye Medicaid Services dzinomhanya Medicare, uye ivo vanokamura masevhisi muzvikamu A, B, C, uye D.

Medicare Chikamu A chinobatsira kubhadhara kana munhu achida chipatara. Kana iwe kana mumwe wako mukashanda uye mukabhadhara Medicare mutero kweanenge makore gumi, munokwanisa kuwana Medicare Chikamu A mahara.

Chii chinonzi Medicare Chikamu A?

Medicare Chikamu A chirongwa chekuvhara chipatara chevanhu vane makore makumi matanhatu nemashanu zvichikwira. Vagadziri veMedare vakafungidzira zvikamu zvakaita sebuffet.

Iwe waizogara uchigamuchira Chikamu A, saka iwe unenge uine kufukidzwa kwekugara muchipatara. Kana iwe usina inishuwarenzi yakavanzika uye uchida kufukidzwa kwakawanda, unogona kusarudza kubva kune mamwe mativi eMedicare.

Haufanire kunge uri pamudyandigere kusaina Medicare Chikamu A - iri bhenefiti iwe yaunogona kutanga kugamuchira nekukurumidza kana uchinge wasvitsa makore makumi matanhatu nemashanu. Vanhu vazhinji vanosarudza kuve neinishuwarenzi yakazvimirira (senge kubva kumushandirwi) uye Medicare.

Chii chinonzi Medicare Chikamu A chinovhara?

Nezvimwe zvisirizvo, Medicare Chikamu A chinofukidza anotevera masevhisi:

• Kuchengetwa kwechipatara. Izvi zvinofukidza chero bvunzo kana marapirwo aunoda iwe paunenge wagamuchirwa kuchipatara.
• Yakatemerwa imba hutano hutano. Kana iwe uchida kutarisirwa kubva kumubatsiri wehutano hwepamba mushure mekunge waburitswa muchipatara chemuchipatara, Medicare inovhara kurapwa kunodiwa iwe uchipora.
• Kuchengeta varwere. Paunenge iwe waita sarudzo yekutsvaga kurapwa kwehospital panzvimbo pekurapwa kwechirwere chisingaperi, Medicare inozobhadhara yakawanda yemitengo yako yehutano.
• Ipfupi-temu hunyanzvi hunyanzvi nzvimbo inogara. Kana iwe uchida hunyanzvi hwekuchengetwa kwekuchengetwa, Medicare inovhara kugara kwako uye masevhisi kweimwe yakati rebei yenguva.

Kuchengetwa kwechipatara muchipatara kunosanganisira mabasa akaita sekudya, mabasa ekuyamwisa, kurapwa kwepanyama, uye mishonga inonzi nachiremba yakakosha pakuchengetwa.

Medicare Chikamu A chinowanzo kungovhara mari yekushanyira mukamuri yechimbichimbi kana chiremba vakakubvumidza kuchipatara. Kana chiremba akasakubvuma uye iwe ukadzokera kumba, Medicare Chikamu B kana yako yega inishuwarenzi inogona kubhadhara mari yacho.

Chii chisina Medicare Chikamu A chisingavhare?

Zvakakoshawo kuziva kuti Medicare Chikamu A hachifukidze mari dzese dzechipatara. Hezvino zvinhu zvishoma izvo Chikamu A chisingazofukidze:

• Yako yekutanga matatu mapaundi eropa. Kana chipatara chakagamuchira ropa kubva kubhengi reropa, ungangofanira kubhadhara chero chinhu. Zvisinei, kana chipatara chichifanira kuwana ropa rakakosha kwauri, zvinokwanisika kuti ungatofanira kuribhadhara muhomwe.
• Makamuri ega. Nepo kurapwa kwevanorwara kuchisanganisira kugara mune imwe semiprivate room, iwe hauna kodzero yekuenda kune yega imba yekutarisira.
• Kuchengetwa kwenguva refu. Chikamu A chinongotarisirwa kupa rubatsiro panguva yekurwara kwakanyanya kana kukuvara. Kana iwe uine zvenguva refu zvekuchengetedza zvinodiwa, senge imba yevanotarisirwa, uchafanirwa kubhadhara yako wega yekugara tarisiro muhomwe.

Chii chinonzi Medicare Chikamu A chinodhura?

Paunoshanda, wako waunoshandira (kana iwe, kana iwe uri wega-unoshanda) anotora mari yeMedicare mutero. Chero bedzi iwe kana murume / mukadzi wako achishanda kwemakore gumi achibhadhara Mitero yemitero, unowana Medicare Chikamu A isina mubhadharo kana uine makore makumi matanhatu nemashanu.

Izvi hazvireve kuti iwe kana munhu waunoda munogona kufamba muchipatara uye ndokugamuchira rubatsiro rwemahara. Chikamu chekurapa A chinoda kuti ubhadhare chinobvisirwa kune kwako kurapwa kwevanorwara. Ye2021, aya madhora 1,484 panguva yega yega yekubatsirwa.

Kana iwe usingaite otomatiki kukodzera yemahara Chikamu A, iwe unogona achiri kutenga Chikamu A. Kune 2021, mari yemwedzi pamwedzi yechikamu A chikamu $ 471 kana iwe wakashanda isingasviki makota makumi matatu. Kana iwe wakabhadhara Medicare mutero kwemakumi matatu kusvika makumi matatu nemana makota, iwe waizobhadhara $ 259.

Kune here imwe Medicare chipatara kufukidzwa?

Kune zvimwe kune Medicare kupfuura Chikamu A - kune zvakare zvikamu B, C, uye D. Iwe kana mudiwa haufanire kushandisa chero zvimwe zvikamu. Vanoita mumwe nemumwe ane mari yemwedzi. Mienzaniso yemasevhisi akafukidzwa pasi peumwe neumwe anosanganisira:

• Chikamu B. Medicare Chikamu B inovhara zvimwe zvinoshandiswa pakushanya kwavanachiremba, zvekurapa, kuongororwa kuongororwa, uye mamwe mabasa ekurapa aungade.
• Chikamu C. Medicare Chikamu C (Medicare Advantage) inovhara masevhisi ezvikamu A naB. Inogona zvakare kuvhara mishonga yemishonga, mazino, uye chiratidzo, zvichienderana nechirongwa chaunosarudza. Mazhinji ezvirongwa izvi anoshanda kuburikidza ne "in-network" vanachiremba kana kuchengetedza kuendeswa kubva kuna chiremba wekutanga anotarisira kutarisira kwako.
• Chikamu D. Medicare Chikamu D inovhara mishonga yemishonga. Kunge Medicare zvikamu B uye C, iwe unofanirwa kubhadhara mari yekutanga kune ino kufukidza. Kune akatiwandei Chikamu D marongero emhando, uye unoatenga kubva kune yakazvimiririra inishuwarenzi.

Ehezve, kune mamwe masevhisi ayo ekutanga Medicare asingawanzo kufukidza. Dzimwe nguva, munhu ane inishuwarenzi yakavanzika iyo inogona kubhadhara aya masevhisi, kana ivo vanovabhadhara ivo-muhomwe. Mienzaniso inosanganisira:

• cosmetic kuvhiya
• mazino ekubiridzira
• magirazi emaziso kana malenzi ekutaurirana
• fittings kana bvunzo dzekunzwa rubatsiro
• kutarisirwa kwenguva refu
• mazhinji ekuchengetedza mazino masevhisi
• kugara uchichengeta tsoka

Kana usina chokwadi kana sevhisi yakafukidzwa pasi pemhando dzakasiyana dzeMedare, unogona kufonera 800-MEDICARE (800-633-4227) kubvunza.

Kana iwe kana munhu waunoda ari muchipatara, iwe unowanzo kuve nemushandi wenyaya wakapihwa iwe uyo anogona kubatsira kupindura mibvunzo nezve kufukidzwa kweMedare.

Ndiri kukodzera here kune Medicare Chikamu A?

Kana iwe parizvino uchigamuchira mabhenefiti eSocial Security uye uri pasi pemakore makumi matanhatu nemashanu, unozongo nyorwa muMedicare zvikamu A uye B paunosvitsa makore makumi matanhatu nemashanu ekuberekwa. Nekudaro, kana iwe parizvino usiri kuwana Yemagariro Chengetedzo, uchafanirwa kunyoresa zvine mutsigo muMedicare.

Chikamu chiri pazasi pekutanga kunyoresa chinotsanangura paunogona kutanga iko kunyoresa maitiro zvichienderana nezera rako.

Nekudaro, iwe unogona kukodzera Chikamu A pamberi penguva ino kana:

• une mamiriro ekurapa senge kumagumo nhanho chirwere (ESRD) kana amyotrophic lateral sclerosis (ALS)
• chiremba anozivisa hurema hunokutadzisa kushanda

Maitiro ekunyoresa muMedare Chikamu A

Kune nzira nhatu dzekunyora muMedare Chikamu A:

• Enda online kuSocialSecurity.gov uye tinya pa "Kunyoresa kweMedare".
• Fonera Hofisi Yemagariro Ekuchengetedza pa800-772-1213. Kana iwe uchida TTY, fona 800-325-0778. Iyi shumiro yakavhurwa Muvhuro kusvika Chishanu kubva 7am kusvika 7 pm
• Nyorera iwe pachako kune yako Yemunharaunda Hofisi Yekuchengetedza Hofisi. Dzvanya apa kuti uwane hofisi yako yemuno nekodhi yeZIP.

Kutanga kunyoresa

Unogona kutanga kunyoresa muMedare kwemwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu (izvi zvinosanganisira mwedzi waunosvitsa makore makumi matanhatu nemashanu) uye kusvika pamwedzi mitatu mushure mekuzvarwa kwako makumi matanhatu nemashanu. Semutemo wenguva dzose, kufukidza kwako kunozotanga muna Chikunguru 1 wegore raunonyoresa.

Kunyorwa kwakakosha

Pasi pemamwe mamiriro, unogona kukwanisa kunonoka kuMedare. Iyi nguva yenguva inozivikanwa seye chaiyo yekunyora nguva.

Iwe unogona kukodzera kunyoresa panguva ino kana iwe waive unoshanda nekambani yaive nevashandi vanopfuura makumi maviri pawakasvitsa makore makumi matanhatu nemashanu uye uine inishuwarenzi yehutano kuburikidza nebasa rako, mubatanidzwa, kana mukadzi.

Mune ino kesi, iwe unogona kunyorera Medicare Chikamu A mukati memwedzi misere mushure mekuvhara kwako kwekare kwapera.

Kutora

Kufamba nenyika yeMedare kunogona kuvhiringidza - kana iwe ukangotendeuka kana kuti wave pedyo nezera makumi matanhatu nemashanu, inyika itsva kwauri.

Neraki, pane zvakawanda zviwanikwa zvaunowana kwauri, kubva paInternet kuenda kufoni kuenda kune yako Yemunharaunda Security hofisi. Kana iwe uine chaiwo mubvunzo, aya masosi inzvimbo huru yekutanga.

Ichi chinyorwa chakagadziridzwa munaNovember 19, 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.