Medicare Chikamu A vs. Medicare Chikamu B: Ndeupi Musiyano?

Zvemukati

• Chii chinonzi Medicare Chikamu A?
• Kukodzera
• Mariro
• Medicare Chikamu Chekutanga muna 2021
• Medicare Chikamu A zvipatara zvinodhura
• Zvimwe zvinhu zvekuziva
• Chii chinonzi Medicare Chikamu B?
• Kukodzera
• Mariro
• Zvimwe zvinhu zvekuziva
• Pfupiso yeChikamu A uye Chikamu B misiyano
• Medicare Chikamu A uye Chikamu B kunyoresa nguva
• Kutora

Medicare Chikamu A uye Medicare Chikamu B zvinhu zviviri zvekuchengetwa kwehutano nzvimbo dzeMentare neMedicaid Services dzinopa.

Chikamu A ndechekuvharirwa kuchipatara, nepo Chikamu B chiri chakanyanya kushanya kwachiremba uye zvimwe zvinhu zvekurapwa kwekunze. Aya marongero haasi makwikwi, asi pachinzvimbo anoitirwa kuti vabatsirane kuti vape kufukidzwa kwehutano kuhofisi yechiremba nekuchipatara.

Chii chinonzi Medicare Chikamu A?

Medicare Chikamu A chinofukidza akati wandei zvinhu zvehutano zvinogona kusanganisira zvinotevera:

• kuchengetwa-kwenguva pfupi munzvimbo yevanamukoti vane hunyanzvi
• kushomeka kwehutano hwepamba
• kutarisira varwere
• kurapwa kwevanorapwa muchipatara

Nechikonzero ichi, vanhu vanowanzo daidza Medicare Chikamu A chipatara.

Kukodzera

Kune Medicare Chikamu A kukodzera, iwe unofanirwa kusangana neimwe yeanotevera maitiro:

• kuva nemakore makumi matanhatu nemashanu kana kupfuura
• kuva nehurema sekusarudzwa nachiremba uye nekutambira Social Security mabhenefiti kwemwedzi ingangosvika makumi maviri nemana
• vane chirwere chekupedzisira renal chirwere
• vane amyotrophic lateral sclerosis (ALS), inozivikanwawo sehosha yaLou Gehrig

Kunyangwe iwe kana kwete iwe unogashira Chikamu A chisina mubhadharo zvinoenderana neyako (kana yemumwe wako) nhoroondo yebasa.

Mariro

Vazhinji vanhu vanokodzera Medicare havabhadhare Chikamu A. Izvi ichokwadi kana iwe kana mumwe wako mukashanda makumi mana makumi mana (makore gumi) muchibhadhara mitero yeMedare. Kunyangwe iwe ukasashandira makumi mana emakota, iwe unogona achiri kubhadhara pamwedzi mubhadharo weMedicare Chikamu A.

Medicare Chikamu Chekutanga muna 2021

Mukuwedzera kune mari yepayimusi (inova $ 0 kune vanhu vazhinji), kune zvimwe zvinodhura maererano neinobviswa (zvaunofanira kubhadhara Medicare isati yabhadhara) uye coinsurance (iwe unobhadhara chikamu uye Medicare inobhadhara chikamu). Ye2021, izvi zvinoshandiswa zvinosanganisira:

Medicare Chikamu A zvipatara zvinodhura

Inpatient chipatara mazuva makumi mapfumbamwe nemapfumbamwe zvichikwira zvinoonekwa seanochengetwa mazuva ehupenyu. Iwe unogashira makumi matanhatu ehupenyu mazuva ekuchengetera ekushandisa pamusoro pehupenyu hwako. Kana iwe ukapfuura mazuva ano, iwe uri mutoro wezvese zvinodhura mushure mezuva 91.

Nguva yekubatsirwa inotanga kana iwe uri murwere uye inopera kana usati wagamuchira kurapwa kwevarwere kwemazuva makumi matanhatu akateedzana.

Hezvino izvo zvauchabhadhara muChikamu A chipatara chemari yekusimbiswa yemari muna 2021:

Zvimwe zvinhu zvekuziva

Kana iwe uchida rubatsiro muchipatara, Medicare kudzoreredzwa kazhinji kunoenderana nekuti chiremba anokuzivisa iwe seanorwara here kana "ari pasi pekucherechedzwa." Kana iwe usina kubvumidzwa zviri pamutemo kuchipatara, Medicare Chikamu A hachifukidze sevhisi (kunyangwe Medicare Chikamu B chichigona).

Kune zvekare zvimwe zvekuchengetwa kwechipatara izvo Medicare Chikamu A isingavhare. Izvi zvinosanganisira ekutanga matatu mapendi eropa, kuchengetwa kwevanamukoti vega, uye imba yega. Medicare Chikamu A chinobhadharira kamuri-yega kamuri, asi kana makamuri epachivande zvese zvako zvinopihwa kuchipatara, Medicare inowanzovadzorera.

Chii chinonzi Medicare Chikamu B?

Medicare Chikamu B chinofukidza kushanya kwavanachiremba, kurapwa kwevanorapwa kunze, midziyo yekurapa yakasimba, uye, mune dzimwe nguva, mishonga yemishonga. Vamwe vanhu vanozvitiwo "inishuwarenzi yekurapa."

Kukodzera

Kune kukodzera kweMedare Chikamu B, unofanirwa kunge uine makore makumi matanhatu nemashanu kana kupfuura uye mugari wemuU.S. Avo vakagara zviri pamutemo uye zvechigarire muUnited States kweanopfuura makore mashanu akateedzana vanogona zvakare kukodzera Medicare Chikamu B.

Mariro

Mutengo weChikamu B zvinoenderana kana iwe wakanyoresa muMedare uye neyako mari yaunowana. Kana iwe wakanyoresa muMedare panguva yakavhurika yekunyoresa uye yako mari isina kudarika $ 88,000 muna 2019, iwe uchabhadhara $ 148.50 pamwedzi kune yako Medicare Chikamu B premium muna 2021.

Nekudaro, kana iwe ukaita madhora mazana mashanu ezviuru kana kudarika semunhu mumwe kana anopfuura madhora mazana manomwe nemakumi mashanu semurume nemukadzi vachinyora pamwe chete, muchabhadhara madhora 504.90 pamwedzi kune chikamu chenyu chepamuviri muna 2021.

Kana iwe ukatambira mabhenefiti kubva kuSocial Security, iyo Railroad Retirement Board, kana Hofisi yeVashandi Management, aya masangano anozobvisa iyo Medicare inobviswa isati yakutumira yako mabhenefiti.

Iyo yegore inobviswa yegore ra2021 i $ 203.

Kana iwe ukasaina kusaina Medicare Chikamu B munguva yako yekunyoresa (kazhinji chaipo kutenderera paunosvitsa makore makumi matanhatu nemashanu), ungangofanira kubhadhara yekupedzisira kunyoresa chirango pamwedzi.

Paunenge uchinge wasangana neyako inobvisirwa Medicare Chikamu B, iwe unowanzo bhadhara makumi maviri muzana eiyo Medicare-inogamuchirwa sevhisi yemari apo Medicare ichabhadhara iyo yasara makumi masere muzana.

Zvimwe zvinhu zvekuziva

Zvinogoneka kuti iwe unogona kunge uri inpatient muchipatara uye uine zvese zviri zviviri Medicare Chikamu A uye Chikamu B kubhadhara pazvinhu zvekugara kwako. Semuenzaniso, vamwe vevanachiremba kana vehunyanzvi vanokuona muchipatara vanogona kubhadharwa kuburikidza neMedicare Chikamu B. Zvisinei, Medicare Chikamu A chinobhadhara mutengo wekugara kwako uye zvinodhura zvine chekuita nekuvhiya kunodiwa kuchipatara.

Pfupiso yeChikamu A uye Chikamu B misiyano

Pazasi iwe unowana tafura iyo inopa mhedziso yemakakatanwa makuru pakati peChikamu A uye Chikamu B:

Medicare Chikamu A uye Chikamu B kunyoresa nguva

Kana iwe kana munhu waunoda achizonyoresa muMedare munguva pfupi (kana kushandura zvirongwa), usapotsa idzi nguva dzakatarwa:

• Yekutanga kunyoresa nguva: mwedzi mitatu pamberi pekuzvarwa kwako makumi matanhatu neshanu, mwedzi wekuzvarwa kwako, uye mwedzi mitatu mushure mekuzvarwa kwako makumi matanhatu nemashanu
• Kunyoresa kwakawanda: Ndira 1 kusvika Kurume 31 weMedicare Chikamu B kana iwe usina kunyoresa panguva yako yekutanga kunyoresa nguva
• Vhura kunyoresa: Gumiguru 15 kusvika Zvita 7 yeMedicare Kubatsira uye Chikamu D kunyorerwa zvirongwa zvemushonga kunyoresa kana shanduko

Kutora

Medicare Chikamu A uye Medicare Chikamu B zvikamu zviviri zveMedare yepakutanga izvo pamwe zvinobatsira kufukidza zvakawanda zvehutano hwako zvinodiwa nekubatsira kubhadhara kuchipatara nemari yekurapa.

Kunyoresa mune aya marongero panguva yakakodzera (mwedzi mitatu pamberi pemwedzi mitatu mushure mekuzvarwa kwako makumi matanhatu nemashanu) zvakakosha kuti zvirongwa zvive zvakaderera-mutengo sezvinobvira.

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.