14 Inowanzo Bvunzwa Mibvunzo yeMedicare Inopindurwa
Zvemukati
- 1. Medicare inovhara chii?
- Yekutanga Medicare
- Medicare Chikamu A
- Medicare Chikamu B
- Medicare Chikamu C (Medicare Kubatsira)
- Medicare Chikamu D
- Medicare yekuwedzera (Medigap)
- 2. Mishonga yemishonga inovharwa neMedare here?
- Chikamu D
- Chikamu C
- 3.Ndini ndinokodzera kurapwa?
- 4. Ndirini pandinogona kunyoresa muMedare?
- 5. Medicare yakasununguka here?
- 6. Marii inodhura zvakadii muna 2021?
- Chikamu A
- Chikamu B
- Chikamu C
- Chikamu D
- Medigap
- 7. Chii chinonzi Medicare chinobviswa?
- 8. Chii chinonzi Medicare premium?
- 9. Chii chinonzi Medicare copay?
- 10. Chii chinonzi Medicare coinsurance?
- 11. Chii chinonzi Medicare kunze-kwehomwe yakanyanya?
- 12. Ndinogona here kushandisa Medicare kana ndiri kunze kwenyika yangu?
- 13. Ndini pandinogona kushandura zvirongwa zveMedare?
- 14. Chii chandinoita kana ndikarasa kadhi rangu reMedicare?
- Kutora
Kana iwe kana munhu waunoda achangosaina Medicare kana uri kuronga kusaina munguva pfupi, unogona kunge uine mimwe mibvunzo. Iyi mibvunzo inogona kusanganisira: Chii chinofukidzwa naMedare? Ndeipi chirongwa cheMedicare chichafukidza mishonga yangu yekunyorera? Mari yangu yemwedzi nemwedzi yeMedare ichave yakaita sei?
Muchikamu chino, tichaongorora misoro senge kufukidza, mutengo, uye zvimwe kubatsira kupindura mimwe yemibvunzo inowanzo bvunzwa yeMedare.
1. Medicare inovhara chii?
Medicare ine Chikamu A, Chikamu B, Chikamu C (Kubatsira), Chikamu D, uye Medigap - zvese izvi zvinopa kufukidzwa kwezvaunoda zvekurapa.
Yekutanga Medicare
Medicare Chikamu A uye Chikamu B vari pamwe chete vanozivikanwa seyepakutanga Medicare. Sezvaunenge uchidzidza, yekutanga Medicare inovhara chete zvido zvako zvekuchipatara uye izvo zvinodiwa pakurapa kana kudzivirira. Iyo haifukidze inonyorerwa zvinodhaka, zvegore mazino kana maonero ekuongorora, kana zvimwe zvinodhura zvine chekuita nekurapwa kwako.
Medicare Chikamu A
Chikamu A chinofukidza anotevera mabasa echipatara:
- chipatara chekuchengetwa kwechipatara
- inpatient yekudzoreredza kuchengetwa
- kushoma vane hunyanzvi hwekuchengeta nzvimbo
- kuchengetwa kwemusha wevanotarisira (kwete kwenguva refu)
- kushomeka kwehutano hwepamba
- kutarisira varwere
Medicare Chikamu B
Chikamu B chinofukidza mabasa ekurapa anosanganisira:
- kudzivirira kurapwa
- chirwere chekurapa
- kurapwa kwemamiriro ekurapa
- midziyo yezvokurapa yakasimba
- hutano hwepfungwa mabasa
- mimwe mishonga yekunze inorapwa
- telehealth services (sechikamu chemhinduro yazvino kune iyo COVID-19 kubuda)
Medicare Chikamu C (Medicare Kubatsira)
Medicare Kubatsira inzira yeMedare inopihwa nemakambani einishuwarenzi akazvimirira. Aya marongero anovhara epakutanga Medicare Chikamu A uye B masevhisi. Vazhinji vanopawo kufukidza mishonga yemishonga; mazino, kuona, uye kunzwa mabasa; kusimba masevhisi; uye nezvimwe.
Medicare Chikamu D
Medicare Chikamu D chinobatsira kuvhara mitengo yemishonga yekunyorera. Medicare Chikamu D zvirongwa zvinotengeswa nemakambani einishuwarenzi akazvimirira uye zvinogona kuwedzerwa kune yekutanga Medicare.
Medicare yekuwedzera (Medigap)
Zvirongwa zveMedigap zvinobatsira kuvhara mitengo inosanganisirwa neyekutanga Medicare. Izvi zvinogona kusanganisira kubvisa, kubhadharwa mari, uye kukopa. Zvimwe zvirongwa zveMedigap zvakare zvinobatsira kubhadhara mari yekurapa yaungaite kana uchifamba kunze kwenyika.
2. Mishonga yemishonga inovharwa neMedare here?
Original Medicare inovhara mimwe mishonga. Semuyenzaniso:
- Medicare Chikamu A inovhara mishonga inoshandiswa pakurapa kwako kana iwe uri muchipatara. Iyo zvakare inovhara mimwe mishonga inoshandiswa panguva yehutano hwepamba kana kuchengetwa kwehospital.
- Medicare Chikamu B inovhara mimwe mishonga inoendeswa kunzvimbo dzekunze, senge hofisi yechiremba. Chikamu B chinofukidzawo majekiseni ekudzivirira chirwere.
Kuti uwane zvakakwana mishonga yemishonga inoputirwa neMedare, unofanirwa kunyoresa muMedare Chikamu D kana chirongwa cheMedare Chikamu C chine mishonga yekuvhara.
Chikamu D
Medicare Chikamu D chinogona kuwedzerwa kune yekutanga Medicare kuti ubatsire kuvhara mutengo wemishonga yako yemishonga. Chikamu chega chega Chikamu D chine fomura, irwo runyorwa rwemishonga yekunyorera yauchazovhara. Iyi mishonga yemishonga inowira mumatanho akasarudzika, anowanzo kuverengerwa nemutengo uye mhando. Ese Medicare Chikamu D zvirongwa zvinofanirwa kufukidza ingangoita miviri mishonga mumapoka makuru emishonga.
Chikamu C
Mazhinji zvirongwa zveMedare zvinobatsira zvinopawo kunyorerwa kwemishonga. Kunge Medicare Chikamu D, chirongwa chega chega cheAdvantage chichava nemitemo yemaitiro uye yekuvhara. Ingo gara uchifunga kuti mamwe maMedicare Health Maintenance Organisation (HMO) uye Akafarirwa Provider Organisation (PPO) marongero anogona kubhadharisa yakawanda kune ako mareferenzi kana iwe ukashandisa kunze-kwe-network maparamasi.
3.Ndini ndinokodzera kurapwa?
Vanhu vekuAmerican vane makore makumi matanhatu nemashanu zvichikwira vanongo gadzirira kunyoresa muMedare. Vamwe vanhu vari pasi pemakore makumi matanhatu nemashanu vane hurema kwenguva refu vanokodzera. Heano maitiro anoita kukodzera kweMedare:
- Kana iwe uri kutendeuka makore makumi matanhatu nemashanu ekuberekwa, unokodzera kunyoresa muMedare mwedzi mitatu usati wasvika makore makumi matanhatu nemashanu ekuberekwa uye kusvika pamwedzi mitatu mushure.
- Kana iwe uchigashira mabhenefiti emwedzi pamwedzi kuburikidza neSocial Security Administration kana Railroad Retirement Board, unokodzera Medicare mushure memwedzi makumi maviri nemana.
- Kana iwe uine amyotrophic lateral sclerosis (ALS) uye unogamuchira mabhenefiti emwedzi pamwedzi, unokodzera Medicare nekukasira.
- Kana iwe uchinge waonekwa kuti une yekupedzisira nhanho renal chirwere (ESRD) uye wakave nekutsinhwa kweitsvo kana kuda dialysis, unokodzera kunyoresa muMedare.
4. Ndirini pandinogona kunyoresa muMedare?
Kune akati wandei ekunyoresa nguva yeMedare. Ukangosangana nezvinodiwa zvekukodzera, unogona kunyoresa panguva dzinotevera.
| Nguva | Mazuva | Zvinotarisirwa |
|---|---|---|
| kutanga kunyoresa | Mwedzi mitatu pamberi uye 3 mwedzi mushure mekuzvarwa kwako makumi matanhatu nemashanu | kutendeuka zera 65 |
| Medigap kutanga kunyoresa | pazuva rako rekuzvarwa re65th uye kwemwedzi mitanhatu mushure | makore makumi matanhatu nemashanu |
| kunyoresa kwese | Ndira 1 – Kurume. 31 | ane makore makumi matanhatu nemashanu kana kupfuura uye haasati anyoresa muMedare |
| Chikamu D kunyoresa | Kubvumbi 1 – Chikumi. 30 | ane makore makumi matanhatu nemashanu kana kupfuura uye haasati anyoresa chirongwa cheMedare chemishonga |
| kuvhura kunyoresa | Gumiguru 15 – Zvita. 7 | vakatonyoresa muChikamu C kana Chikamu D |
| kunyorwa kwakakosha | kusvika pamwedzi misere mushure mekuchinja kwehupenyu | wakaona shanduko, senge yekuenda kunzvimbo nyowani yekuvhara, chirongwa chako cheMedare chakaraswa, kana iwe wakarasikirwa neinishuwarenzi yako wega |
Mune zvimwe zviitiko, kunyoresa kweMedare kunongoerekana kwaitika. Semuenzaniso, iwe unozonyorwa wega muMedicare yekutanga kana iwe uri kugamuchira zviremerwa uye uye:
- Uri kutendeuka makore makumi matanhatu nemashanu mumwedzi mina inotevera.
- Wakagamuchira mari yekuremara kwemwedzi makumi maviri nemana.
- Wakaonekwa uine ALS.
5. Medicare yakasununguka here?
Mamwe marongero eMedicare Advantage anoshambadzwa sehurongwa hwe "mahara". Kunyange zvirongwa izvi zvingave zvisina mubhadharo, hazvisi zvemahara: Uchatofanira kubhadhara zvimwe zvekubuda muhomwe.
6. Marii inodhura zvakadii muna 2021?
Chikamu cheMedare chimwe nechimwe chaunonyoresa chine mari inosanganisirwa nazvo, kusanganisira maprimiyamu, zvakaderedzwa, macopayments, uye kubhadharwa kwemari.
Chikamu A
Mariro yeMedare Chikamu A inosanganisira:
- mubhadharo wepose kubva $ 0 kusvika $ 471 pamwedzi, zvinoenderana nemari yako yaunowana
- inobviswa pamadhora 1,484 panguva yebhenefiti
- mari yemubhadharo ye $ 0 kwemazuva makumi matanhatu ekutanga ekugara muchipatara, kusvika pamutengo wakazara wemasevhisi zvichienderana nekuti unogamuchirwa kwenguva yakareba sei
Chikamu B
Mariro yeMedare Chikamu B inosanganisira:
- mubhadharo we $ 148.50 kana kupfuura pamwedzi, zvichienderana nemari yaunowana
- inobviswa ye $ 203
- mari yemubhadharo yemakumi maviri muzana emutengo wemari yako inobvumidzwa neMedare-sevhisi
- chibhadharo chakawandisa chinosvika gumi neshanu muzana kana mutengo wemasevhisi ako ari pamusoro pehuwandu hwakatenderwa
Chikamu C
Medicare Chikamu C mutengo unosiyana zvichienderana nenzvimbo yako, mupi wako, uye nemhando yekuvhara chirongwa chako chaunopa.
Mariro yeMedare Chikamu C inosanganisira:
- Chikamu A chinodhura
- Chikamu B chinodhura
- mubhadharo wemwedzi wega weChikamu C chirongwa
- inobviswa pagore pagore reChikamu C
- chirongwa chedhiragi chinobviswa (kana chirongwa chako chikabatanidza kunyorerwa kwemishonga)
- mari yemubhadharo kana huwandu hwemakopi pakushanya kwachiremba mumwe nemumwe, kushanya kwenyanzvi, kana kudzoreredzwa kwemushonga
Chikamu D
Mariro yeMedare Chikamu Chikamu D inosanganisira:
- purogiramu yemwedzi
- inobviswa pagore ye $ 445 kana yakaderera
- mari yemubhadharo kana huwandu hwemakopi emishonga yako yekunyorera zvinodhaka
Medigap
Zvirongwa zveMedigap zvinobhadharisa yakasarudzika yemwedzi wega wega iyo inokanganiswa nehurongwa hwako hweMedigap, nzvimbo yako, huwandu hwevanhu vakanyoreswa muchirongwa, nezvimwe. Asi zvirongwa zveMedigap zvakare zvinobatsira kuvhara zvimwe zvemitengo yekutanga Medicare.
7. Chii chinonzi Medicare chinobviswa?
Medicare inobviswa ndiyo huwandu hwemari yaunoshandisa kubva muhomwe gore rega (kana nguva) yemasevhisi ako pamberi peMedicare kufukidzwa kunopinda mukati. Medicare zvikamu A, B, C, uye D zvese zvine mari dzinobviswa.
| 2021 yakanyanya kubviswa | |
|---|---|
| Chikamu A | $1,484 |
| Chikamu B | $203 |
| Chikamu C | inosiyana nehurongwa |
| Chikamu D | $445 |
| Medigap | inosiyana nehurongwa ($ 2,370 yePlans F, G & J) |
8. Chii chinonzi Medicare premium?
Iyo Medicare premium ndiyo mari yemwedzi wega yaunobhadhara kuti unyoreswe muchirongwa cheMedare. Chikamu A, Chikamu B, Chikamu C, Chikamu D, uye Medigap vese vanobhadharisa maprimiyamu emwedzi.
| 2021 maprimiyamu | |
|---|---|
| Chikamu A | $ 0- $ 471 (zvichibva pamakore akashanda) |
| Chikamu B | $148.50 |
| Chikamu C | inosiyana nechirongwa ($ 0 +) |
| Chikamu D | $ 33.06 + (base) |
| Medigap | inosiyana nechirongwa uye kambani yeinishuwarenzi |
9. Chii chinonzi Medicare copay?
A Medicare copayment, kana copay, ndiyo mari yaunofanirwa kubhadhara muhomwe nguva dzese dzaunogamuchira masevhisi kana kuzadza mushonga wemishonga.
Medicare Advantage (Chikamu C) inoronga kubhadharisa mwero wakasiyana wekushanya kwachiremba uye kwenyanzvi. Zvimwe zvirongwa zvinokweretesa yakakwira macopayments kune vekunze-kwe-network vanopa.
Medicare zvinodhaka zvirongwa zvinobhadharisa akasiyana macompayments emishonga zvichienderana nehurongwa formulary uye tier danho remishonga iwe yaunotora. Semuenzaniso, tier 1 zvinodhaka zvinowanzoitwa generic uye zvisingadhuri.
Mapepa ako chaiwo anoenderana nechero Rubatsiro kana Chikamu D chirongwa chaunosarudza.
10. Chii chinonzi Medicare coinsurance?
Medicare coinsurance ndiyo muzana yaunobhadhara muhomwe yemutengo wemabasa ako anotenderwa neMedare.
Medicare Chikamu A inobhadharira yakakwira mari yemari inowedzerwa nguva yaunogara muchipatara. Muna 2021, Chikamu A coinurance ndeye $ 371 kwemazuva echipatara 60 kusvika 90 uye $ 742 kwemazuva 91 zvichikwira.
Medicare Chikamu B inobhadharisa seti yemari yekusimbisa yemakumi maviri muzana.
Medicare Chikamu D inoronga kubhadharisa mari yemubhadharo yakaenzana nenzira yakafanana neyemakopi, kazhinji kune yakakwira tier, zita rezita mishonga - uye inongogara ichikubhadharira iwe kungave kopayiri kana koresheni asi kwete zvese zviri zviviri.
11. Chii chinonzi Medicare kunze-kwehomwe yakanyanya?
Iyo Medicare kunze-kwehomwe yakakwira ndiyo muganho wekuti iwe uchabhadhara zvakadii muhomwe kune ako ese Medicare mutengo mune rimwe gore. Iko hakuna muganho pakubuda-kwe-muhomwe mari mune yekutanga Medicare.
Zvese zvirongwa zveMedicare Advantage zvine gore rinobuda muhomwe muhomwe, iro rinosiyana zvichienderana nechirongwa chawakanyoresa. Kunyoresa muchirongwa cheMedigap kunogona kubatsira kudzikisa mari dzegore rose dzekunze kwehomwe.
12. Ndinogona here kushandisa Medicare kana ndiri kunze kwenyika yangu?
Yekutanga Medicare inopa kufukidza pasirese kune vese vanobatsirwa. Izvi zvinoreva kuti iwe wakafukidzirwa kunze kwekunze kwehutano kurapwa.
Medicare Advantage zvirongwa, kune rimwe divi, zvinopa kufukidza chete kune iyo nyika yaunogara, asi vamwe vangangopawo mu-network masevhisi kunze kwenyika.
Kunyangwe iwe uine yekutanga Medicare kana Medicare Kubatsira, iwe unofanirwa kugara uine chokwadi chekuti mupi wauri kushanyira anotambira Medicare kupihwa.
13. Ndini pandinogona kushandura zvirongwa zveMedare?
Kana iwe wakanyoreswa muchirongwa cheMedare uye uchida kuchinja chirongwa chako, unogona kuzviita panguva yekuvhura yakavhurika nguva, inotangira kubva Gumiguru 15 kusvika Zvita 7 gore rega rega.
14. Chii chandinoita kana ndikarasa kadhi rangu reMedicare?
Kana iwe warasikirwa nekadhi rako reMedicare, unogona kuraira kutsiva kubva kuSocial Security webhusaiti. Ingo pinda muakaunti yako uye kumbira kutsiva pasi pe "Kudzoreredza Magwaro" tebhu. Iwe unogona zvakare kukumbira yekutsiva kadhi nekufonera 800-MEDICARE.
Zvinogona kutora mazuva makumi matatu kuti ugamuchire kadhi rako reMedicare. Kana iwe uchida kadhi rako rechirongwa nguva iyoyo isati yasvika, unogona kupirinda kopi yacho nekupinda muakaundi yangu yeMedicare.
Kutora
Kunzwisisa Medicare kunogona kunzwa kunetesa, asi kune zvakawanda zviwanikwa zvaunazvo. Kana iwe uchida rubatsiro rwekuwedzera kusaina kuMedare kana uine mibvunzo isina kupindurwa, hezvino zvimwe zvekuwedzera zviwanikwa zvinogona kubatsira:
- Medicare.gov ine ruzivo nezvevanopa vemuno, mafomu akakosha, mabhuku anobatsira kurodha pasi, uye nezvimwe.
- CMS.gov ine ruzivo rwechizvino-zvino nezve zvemutemo shanduko shanduko uye kugadzirisa kuchirongwa cheMedicare.
- SSA.gov inokutendera iwe kuti uwane account yako yeMedare uye zvimwe Zvekuchengetedza Zvemagariro uye zveMedare.
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.
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