Ndezvipi Medicare Chikamu B Kuwedzeredza Mari?

Zvemukati

• Chii chinonzi Medicare Chikamu B?
• Ndeapi ari Medicare Chikamu B akawandisa mhosva?
• Nzira yekudzivirira Medicare Chikamu B yakawandisa mhosva
• Medigap inobhadhara here Medicare Chikamu B mari yakawandisa?
• Kutora

• Vanachiremba vasingagamuchire Medicare basa vanogona kukubhadharira kusvika gumi muzana kubva muzana kupfuura iyo Medicare inoda kubhadhara. Iyi mari inozivikanwa seMedare Chikamu Part B chakanyanya kubhadharisa.
• Iwe uri mutoro weMedare Chikamu B mari dzakapfuura mukuwedzera kune makumi maviri muzana yemari yakabvumidzwa neMedare iwe watobhadhara kusevhisi.
• Chikamu B mari yakawandisa haiverengi kune yako yegore Chikamu B inobviswa.
• Medigap Chirongwa F uye Medigap Chirongwa G zvese zvinofukidza Medicare Chikamu B zvakawandisa mhosva.

Kuti unzwisise Chikamu B mari yakawandisa, unofanira kutanga unzwisisa Medicare kupihwa. Medicare kupihwa ndiyo mutengo unobvumirwa naMedare kune rimwe basa rekurapa. Medicare-vanobvumidzwa vanopa vanogamuchira Medicare kupihwa.

Avo vasingagamuchire basa reMedicare vanogona kubhadharisa mari inopfuura iyo yakatenderwa neMedare-mari yekurapa. Mariro pamusoro pemutengo unobvumidzwa neMedare-anozivikanwa seChikamu B chemari dzinowedzerwa.

Kunyangwe Chikamu B chakawandisa mhosva dzinogona kukwidza zvichikudhura zvakanyanya, unogona kuzvidzivirira.

Chii chinonzi Medicare Chikamu B?

Medicare Chikamu B chikamu cheMedare chinobata kunze kwevarwere, sekushanya kwachiremba nekuchengetedza kwekudzivirira. Medicare Chikamu A uye Medicare Chikamu B ndizvo zvikamu zviviri zvinogadzira yekutanga Medicare.

Mamwe masevhisi Chikamu B anovhara anosanganisira:

• mushonga wefuruwenza
• gomarara uye chirwere cheshuga kuongororwa
• emergency emergency services
• hutano hwepfungwa
• amburenzi mabasa
• rabhoritari kuyedzwa

Ndeapi ari Medicare Chikamu B akawandisa mhosva?

Haasi vese vezvechiremba vanogamuchira Medicare basa. Vanachiremba vanogamuchira kupihwa basa vakabvuma kugamuchira iyo Medicare-yakatenderwa mari semubhadharo wavo uzere.

Chiremba uyo asingagamuchire kupihwa anogona kukubhadharisa kusvika gumi neshanu muzana kupfuura mari yakatenderwa neMedare. Iyi yekuwandisa inozivikanwa seChikamu B chakanyanya kubhadharisa.

Paunoona chiremba, mutengesi, kana mupi anogamuchira basa, unogona kuvimbiswa kuti iwe uchabhadharwa chete iyo Marian-inogamuchirwa mari. Ava vanachiremba-vanotenderwa vanachiremba vanotumira chikwereti chebasa ravo kuMedare, pane kukupa iwe. Medicare inobhadhara makumi masere muzana, uyezve unogashira bhiri reiyo yasara makumi maviri muzana.

Vanachiremba vasiri Medicare-vanotenderwa vanogona kukubvunza iwe kubhadhara kuzere kumberi. Iwe uchave nebasa rekudzoserwa mari neMedare kwemakumi masere muzana emari yakagamuchirwa neMedare-bhiri rako.

Semuyenzaniso:

• Chiremba wako anogamuchira basa. Wako mushandi anogamuchira Medicare anogona kubhadharisa madhora mazana matatu ekuyedzwa kwe-muhofisi. Chiremba wako aigona kutumira iyo bhiri yakananga kuMedare, pane kuti akumbire iwe kubhadhara iyo yose mari. Medicare yaizobhadhara makumi masere muzana emutemo ($ 240). Chiremba wako anozokutumira chikwereti chemakumi maviri muzana ($ 60). Saka, yako yakazara-ye-muhomwe mutengo ingave $ 60.
• Chiremba wako haagamuchire basa. Kana iwe pachinzvimbo uchienda kuna chiremba asingagamuchire Medicare basa, vanogona kukubhadharisa madhora mazana matatu nemakumi matatu nemashanu pakuedzwa kumwe-muhofisi. Iyo yekuwedzera madhora makumi mashanu neshanu muzana kubva muzana pane zvaungabhadharwe nachiremba wako wenguva dzose; huwandu uhwu chikamu chePart B chakadarika chaji. Panzvimbo pekutumira chikwereti chakananga kuMedare, chiremba anokukumbira kuti ubhadhare iyo yose mari kumberi. Izvo zvaizove kwauri kuti uise chikumbiro neMedare kuti ubhadharwe.Kubhadharwa ikoko kwaizoenzana ne80 muzana chete yemari yakabvumidzwa neMedare ($ 240). Mune ino kesi, yako yakazara-ye-muhomwe mutengo ingave $ 105.

Chikamu B mari yakawandisa haina kuverenga kune yako Chikamu B inobviswa.

Nzira yekudzivirira Medicare Chikamu B yakawandisa mhosva

Usafungidzira kuti chiremba, mutengesi, kana mupi anogamuchira Medicare. Pane kudaro, gara uchibvunza kana ivo vachigamuchira basa usati waverenga musangano kana sevhisi. Ipfungwa yakanaka kupeta-tarisa, kunyangwe navanachiremba vawakamboona.

Dzimwe nyika dzakapa mitemo inoita kuti zvive zvisiri pamutemo kuti vanachiremba vabhadharise Medicare Chikamu B mari yakawandisa. Aya anoti ndeaya:

• Connecticut
• Massachusetts
• Minnesota
• New York
• Ohio
• Pennsylvania
• Rhode Island
• Vermont

Kana iwe uchigara mune chero eaya masere matunhu, haufanire kunetseka nezve Chikamu B chakapfuura mhosva paunoona chiremba mudunhu rako. Iwe uchiri kukwanisa kubhadhariswa Chikamu B mari yakawandisa kana iwe ukawana kurapwa kubva kune mupi ari kunze kwenyika yako asingagamuchire kupihwa basa.

Medigap inobhadhara here Medicare Chikamu B mari yakawandisa?

Medigap ndeyekuwedzera inishuwarenzi iwe yaunogona kufarira kutenga kana uine yekutanga Medicare. Mitemo yeMedigap inobatsira kubhadhara izvo zvipenga zvakasara mune yekutanga Medicare. Izvi zvinodhura zvinosanganisira zvakabviswa, macopayments, uye coinsurance.

Iwo marongero maviri eMedigap anofukidza Chikamu B mhosva dzakapfuura ndeidzi:

• Medigap Chirongwa F. Chirongwa F hachichawanikwe kune vazhinji vatsva veMedare. Kana iwe ukave unokodzera Medicare pamberi paNdira 1, 2020, iwe unogona achiri kutenga Plan F. Kana iwe parizvino uine Chirongwa F, unokwanisa kuchichengeta.
• Medigap Chirongwa G. Plan G chirongwa chakabatanidzwa kwazvo chinofukidza zvakawanda zvezvinhu zvekutanga Medicare zvisingaiti. Kufanana nezvirongwa zvese zveMedigap, zvinotora mari yemubhadharo yemwedzi nemwedzi kuwedzera kune yako Chikamu B premium.

Kutora

• Kana chiremba wako, mutengesi, kana mupi asingagamuchire basa reMedare, vanogona kukubhadharisa kusvika kune inopfuura iyo Marian-inogamuchirwa chiyero chebasa rako rekurapa. Iyi overage inonzi seChikamu B yakawandisa kubhadharisa.
• Iwe unogona kudzivirira kuti ubhadhare Chikamu B mari yakawandisa nekuona chete maMedare-anotenderwa vanopa.
• Medigap Chirongwa F uye Medigap Chirongwa G zvese zvinofukidza Chikamu B zvakapetwa mhosva. Asi iwe unogona kunge uchifanira kubhadhara wako wekurapa mupi kumberi uye kumirira kudzoserwa.