Yako Yakazara Nongedzo kune Medicare Chikamu B

Zvemukati

• Chii chinonzi Medicare Chikamu B uye inovhara chii?
• Ndeapi masevhisi asina kufukidzwa neChikamu B?
• Ndiani anokodzera Medicare Chikamu B?
• Marii sei Chikamu Chikamu B chinodhura muna 2021?
• Mwedzi wepamberi
• Zvinobviswa
• Coinsurance
• Copays
• Kunze-kwe-muhomwe maximums
• Ndirini pandinogona kunyoresa muMedare Chikamu B?
• Ndiani anonyoreswa?
• Ndiani anofanira kusaina?
• Ndingaite rini kunyorera?
• Kutora

Medicare chirongwa cheinishuwarenzi chehutano chevaya vane makore makumi matanhatu nemashanu zvichikwira nemamwe mapoka chaiwo. Inosanganisira zvikamu zvinoverengeka, chimwe chacho chiri Chikamu B.

Medicare Chikamu B chikamu cheMedare chinopa inishuwarenzi yekurapa. Unogona kuishandisa kuvhara akasiyana ekurapa masevhisi. Ramba uchiverenga kuti udzidze zvimwe zvakawanda nezve Chikamu B, kusanganisira izvo zvinovhara, zvakadii, uye nguva yekunyora.

Chii chinonzi Medicare Chikamu B uye inovhara chii?

Pamwe neChikamu A, Chikamu B chinogadzira izvo zvinonzi izvo zvekutanga Medicare. Inofungidzirwa kuti pakupera kwegore ra2016, 67 muzana yevanhu vanoshandisa Medicare vakanyoreswa mune yekutanga Medicare.

Chikamu B chinofukidza akasiyana siyana ezvekurapa anodikanwa ekurapa varwere. Sevhisi inotemerwa pakurapwa kana zvichidikanwa kuti unyatso kuongorora kana kurapa hutano.

Mimwe mienzaniso yemasevhisi akafukidzwa neChikamu B ndeaya:

• emergency ambulensi kutakura
• chemotherapy
• midziyo yekurapa yakasimba semawiricheya, vanofamba, uye okisijeni michina
• kuchengetedzwa kwekamuri rekukurumidzira
• itsvo dialysis
• Kuongororwa murabhoritari, senge kuongororwa ropa uye kuongorora urinal
• kurapwa kurapa
• kumwe kuyedzwa, kwakadai sekufungidzira bvunzo uye echocardiograms
• chipatara chepachipatara uye hutano hwepfungwa
• kurapa kwepanyama
• shanduko

Chikamu B chinofukidzawo mamwe mabasa ekudzivirira zvakare. Mienzaniso inosanganisira:

• zviyero zvepfupa
• gomarara rinovhenekwa rakaita seriya remazamu, macolorectal, uye gomarara reprostate
• chirwere chemwoyo kuongororwa
• chirwere cheshuga kuongorora
• kuongororwa kwehepatitis B, hepatitis C, uye HIV
• chirwere chepabonde (STI) kuongorora
• majekiseni efuruwenza, hepatitis B, uye pneumococcal chirwere

Ndeapi masevhisi asina kufukidzwa neChikamu B?

Kune mamwe masevhisi asina kuvharwa neChikamu B. Kana iwe uchida masevhisi aya, uchafanirwa kuribhadhara ivo muhomwe. Mimwe mienzaniso yeiyi inosanganisira:

• kugara uchiongorora muviri
• mishonga yakawanda yemishonga
• kutarisirwa mazino, kusanganisira mazino ekugezera
• kutarisirwa kwakawanda kwekuona, kusanganisira magirazi emaziso kana malensi ekutaurirana
• zvinobatsira kunzwa
• kutarisirwa kwenguva refu
• cosmetic kuvhiya
• mamwe mabasa ehutano senge kugadziriswa uye kukwiza muviri

Kana iwe uchida kunyorerwa kwemishonga yekunyorera, unogona kutenga chirongwa cheMedare Chikamu D. Chikamu cheD zvirongwa chinopihwa nemakambani einishuwarenzi akazvimirira uye anosanganisira mazhinji emishonga yemishonga.

Uyezve, Medicare Chikamu C (Medicare Advantage) zvirongwa zvinosanganisira zvese masevhisi akafukidzwa pasi peiyo yekutanga Medicare pamwe nemamwe masevhisi ekuwedzera senge mazino, maonero, uye kunyange zvirongwa zvemuviri. Kana iwe uchiziva kuti iwe unozoda aya masevhisi kazhinji, funga nezve Chikamu C chirongwa.

Ndiani anokodzera Medicare Chikamu B?

Kazhinji kutaura, aya mapoka anokodzera Chikamu B:

• vane makore makumi matanhatu nemashanu zvichikwira
• vanhu vakaremara
• vanhu vane chirwere chekupedzisira renal chirwere (ESRD)

Mumwe munhu anofanirwa kuwana chikamu chisina mubhadharo Chikamu A kuti avezve anokodzera Chikamu B kana vatanga kunyoresa muMedare. Nekuti vanhu kazhinji vanobhadhara Mitero yemitero ivo vachiri kushanda, vanhu vazhinji vanokodzera kuwana-isina-chikamu Chikamu A uye vanogona zvakare kunyoresa muChikamu B pavanotanga kukodzera kuMedare.

Kana iwe uchida kutenga Chikamu A, unogona kunyoresa muChikamu B. Zvisinei, unofanira kusangana nezvinotevera zvinodiwa.

• kuva nemakore makumi matanhatu nemashanu kana kupfuura
• uve mugari weUnited States, angave mugari kana mugari wepamutemo anogara kweinenge makore mashanu anoteedzana

Marii sei Chikamu Chikamu B chinodhura muna 2021?

Zvino ngatitarisei kune imwe neimwe yemitengo inosanganisirwa neChikamu B muna 2021.

Mwedzi wepamberi

Mari yako yemubhadharo yemwedzi nemwedzi ndiyo yaunobhadhara pamwedzi wega wega kuChikamu B. Yezana 2021, yakajairwa Chikamu B pamwedzi mubhadharo ndeye $ 148.50.

Vanhu vane mari yepamusoro yegore rose vangatofanira kubhadhara mari yepamusoro yemwedzi. Mari yako yegore rose inotemerwa zvichibva pamutero wako wekudzoka kubva makore maviri apfuura. Saka zve2021, iyi ichave yako 2019 mutero wekudzoka.

Kune zvekare chirango chekunonoka chakanonoka chinogona kukanganisa chikamu chako chePrim B pamwedzi. Iwe uchabhadhara izvi kana iwe usina kunyoresa muChikamu B pawakatanga kukodzera.

Paunenge uchida kubhadhara chirango chekunonoka kunonoka, mari yako yemwedzi wega wega inogona kuwedzera kusvika kumagumi muzana ezviyero zveprimiyamu yega yega yemwedzi gumi nemaviri yawakange wakakodzera Chikamu B asi hauna kunyoresa. Iwe uchabhadhara izvi chero bedzi iwe wakanyoreswa muChikamu B.

Zvinobviswa

Iyo inobviswa ndiyo yaunofanirwa kubhadhara kunze-kwe-muhomwe Chikamu B chisati chatanga kuvhara masevhisi. Kwegore ra2021, chinobvisirwa Chikamu B chiri $ 203.

Coinsurance

Coinsurance ndiyo muzana yemutengo webasa raunobhadhara muhomwe mushure mekusangana neyako yakadhonzwa. Izvi zvinowanzova zvikamu makumi maviri kubva muzana zveChikamu B.

Copays

Copay ndiyo yakatarwa mari yaunobhadhara pabasa. MaCopays haawanzo kusanganiswa neChikamu B. Nekudaro, pane zvimwe zviitiko apo ungangoda kubhadhara imwe. Muenzaniso ndewe kana iwe ukashandisa zvipatara zvekubatsira varwere.

Kunze-kwe-muhomwe maximums

Iyo yekunze-kwehomwe yakanyanya muganho wekuti yakawanda sei iwe yaunofanirwa kubhadhara kubva muhomwe yeakafukidzwa masevhisi mukati megore. Yekutanga Medicare haina huwandu hwekunze-muhomwe.

Ndirini pandinogona kunyoresa muMedare Chikamu B?

Vamwe vanhu vanonyoreswa otomatiki muMedare yepakutanga apo vamwe vachizoda kusaina. Ngationgororei izvi zvakare.

Ndiani anonyoreswa?

Mapoka anonyoresa otomatiki muMedare yepakutanga ndeaya:

• avo vari kutendeuka zera makumi matanhatu nemashanu uye vachitowana mabhenefiti kubva kuSocial Security Administration (SSA) kana iyo Railroad Retirement Board (RRB)
• vanhu vari pasi pemakore makumi matanhatu nemashanu vane hurema avo vanga vachigamuchira mabhenefiti ekuremara kubva kuSSA kana RRB kwemwedzi makumi maviri nemana
• vanhu vane amyotrophic lateral sclerosis (ALS) vari kuwana mabhenefiti ekuremara

Izvo zvakakosha kuti uzive kuti kunyangwe uchizonyorwa wega, Chikamu B ndechekuzvidira. Unogona kusarudza kunonoka Chikamu B kana uchida. Imwe mamiriro ezvinhu apo izvi zvinogona kuitika ndeyekuti iwe watove wakafukidzwa neimwe chirongwa kuburikidza nebasa kana murume kana mukadzi.

Ndiani anofanira kusaina?

Rangarira kuti havazi vese vanokodzera yekutanga Medicare vanozonyoresa voga. Vamwe vachazoda kusaina kuburikidza nehofisi yeSSA:

• Ivo vari kutendeuka makore makumi matanhatu nemashanu uye vasiri kuwana parizvino mabhenefiti kubva kuSSA kana RRB vanogona kusaina kutanga mwedzi mitatu vasati vasvitsa makore makumi matanhatu nemashanu.
• Vanhu vane ESRD vanogona kusaina chero nguva - apo kufukidzwa kwako kuchatanga kungasiyana.

Ndingaite rini kunyorera?

• Yekutanga kunyoresa nguva. Iyi i7-mwedzi hwindo kutenderedza 65 yako yekuzvarwa paunogona kusaina kuMedare. Inotanga mwedzi mitatu mwedzi wako wekuzvarwa usati wasvika, unosanganisira mwedzi wekuzvarwa kwako, uye unowedzera mwedzi mitatu mushure mekuzvarwa kwako. Munguva ino, iwe unogona kunyoresa kumatunhu ese eMedare pasina chirango.
• Vhura nguva yekunyoresa (Gumiguru 15-Zvita 7). Munguva ino, unogona kushandura kubva pakutanga Medicare (zvikamu A uye B) kuenda kuChikamu C (Medicare Advantage), kana kubva kuChikamu C kudzokera kune yekutanga Medicare. Iwe unogona zvakare kushandura Chikamu C zvirongwa kana kuwedzera, kubvisa, kana kushandura Chikamu Chikamu D.
• Nguva yekunyora yakawanda (Ndira 1-Kurume 31). Iwe unogona kunyoresa muMedare panguva ino yenguva kana iwe usina kunyoresa panguva yako yekutanga kunyoresa nguva.
  • Yakakosha kunyoresa nguva. Kana iwe wakanonoka kunyoreswa kweMedarere nekuda kwechikonzero chakatenderwa, unogona kunyoresa gare gare panguva yakatarwa yekunyora nguva. Iwe une mwedzi misere kubva kumagumo eako kufukidza kana kupera kwebasa rako kusaina pasina chirango.

Kutora

Medicare Chikamu B chikamu cheMedare chinobata mabasa ekurapa anodikanwa ekurapa. Iyo inovharawo mamwe mabasa ekudzivirira. Icho chikamu cheMedicare yekutanga

Vanhu vane makore makumi matanhatu nemashanu kana kupfuura, vane hurema, kana ESRD vanokodzera Chikamu B. Mari dzechikamu B dzinosanganisira maprimiyamu emwedzi nemwedzi, inobviswa, uye mari yeinishuwarenzi kana copay. Mamwe masevhisi haana kufukidzwa neChikamu B uye anoda kubhadharwa muhomwe.

Vanhu vazhinji vanozvinyora voga mune yekutanga Medicare. Vamwe vanofanirwa kusaina kuburikidza neSSA. Kune vanhu ava, zvakakosha kuti vateerere nguva yekunyora.

Chinyorwa ichi chakagadziridzwa munaNovember 16, 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.