Ndeapi Mhando dzakasiyana dzeMedare?
Zvemukati
- Chii chinonzi Medicare Chikamu A?
- Chii chinonzi Medicare Chikamu B?
- Chii chinonzi Medicare Chikamu C (Medicare Advantage)?
- Chii chinonzi Medicare Chikamu D?
- Chii chinonzi Medicare yekuwedzera inishuwarenzi (Medigap)?
- Kutora
- Kufukidzwa kweMedare kunokamurwa muzvikamu zvinoverengeka izvo zvinovhara chimwe nechimwe chikamu chekutarisira.
- Medicare Chikamu A inovhara kurapwa kwevanorwara uye kazhinji haina kubhadharwa.
- Medicare Chikamu B inovhara kunze kwekurapa uye ine mari-inotangira mubhadharo.
- Medicare Chikamu C (Medicare Advantage) ndeye yakazvimiririra inishuwarenzi chigadzirwa chinosanganisa zvikamu A uye B nemamwe mabhenefiti.
- Medicare Chikamu D ndeye yakazvimiririra inishuwarenzi chigadzirwa inovhara mishonga yemishonga.
Medicare inopa kuchengetedza kwehutano kune vanhu vanopfuura makore makumi matanhatu nemashanu uye avo vakaremara kana mamwe mamiriro ehutano. Ichi chirongwa chakaomarara chine zvikamu zvakawanda, uye zvinosanganisira hurumende yemubatanidzwa uye veinishuwarenzi vega vanoshanda pamwechete kuti vape akasiyana siyana masevhisi uye zvigadzirwa.
Yekutanga Medicare inoumbwa nezvikamu A uye B. Iko kufukidza kunokutendera iwe kuti uende kuna vanachiremba nenzvimbo dzinogamuchira Medicare pasina kuwana mvumo kana mvumo yekutanga kubva kuchirongwa chako. Maprimiyamu uye macopayments anoshanda, asi anowanzo kuve mari-uye anogona kupihwa rubatsiro.
Medicare Kubatsira (Chikamu C) zvirongwa zvirongwa zvakavanzika zveinishuwarenzi. Aya marongero anosanganisa akawanda zvinhu zveMedare, senge zvikamu A uye B, nemamwe masevhisi, senge mushonga, mazino, uye kufukidzwa kwekuona. Ivo vanopa mamwe masevhisi, asi ivo vangangodhura zvakanyanya uye vanouya nemambure zvirambidzo.
Nepo sarudzo zhinji dzeMedicare dzichikupa kusununguka mukuvhara kwehutano hwako, zvinoreva zvakare kuti unofanirwa kufamba nekunzwisisa ruzivo rwakawanda.
Verenga pamusoro pekuparara kwakadzama kwezvikamu zvakasiyana zveMedare uye kuti vangakubatsira sei.
Chii chinonzi Medicare Chikamu A?
Medicare Chikamu A chikamu cheMedicare yekutanga inovhara yako mari yechipatara nekumwe kurapwa kwevanorwara. Vazhinji vanhu havabhadhare mari yemwedzi neChikamu A nekuti vakabhadhara muchirongwa kuburikidza nemitero mukati memakore avo ekushanda.
Kunyanya, Medicare Chikamu A chichafukidza:
- kugara muchipatara kwevarwere
- Kugara zvishoma munzvimbo ine hunyanzvi yevanamukoti
- gara muchipatara chenguva refu
- Kuchengetwa kwemusha wevanochengetwa isiri yenguva refu kana kuchengetwa
- kutarisira varwere
- chikamu-chenguva kana chenguva pfupi imba hutano hutano
Kuti uone kuti Medicare inovhara kugara kwako, unofanirwa:
- uve neodare repamutemo kubva kuna chiremba wako uchitaura kuti iwe unoda kurapwa kwehurwere kana kukuvara
- ita shuwa kuti nzvimbo yacho inogamuchira Medicare
- ita shuwa kuti une mazuva asara munguva yako yekubatsirwa kuti ushandise (kune hunyanzvi nzvimbo yekuyamwisa inogara)
- simbisa kuti Medicare nenzvimbo inobvumidza chikonzero chekugara kwako
Pasi peMedicare Chikamu A, unogona kutarisira kubhadhara zvinotevera mutengo muna 2021:
- hapana mubhadharo kana iwe ukashanda makumi mana emakumi mana (makore gumi) muhupenyu hwako uye wakabhadhara maMedicare mutero (iwe unobhadhara kusvika kumadhora 471 pamwedzi kana iwe uchishanda zvakadarika makumi mana emakota)
- $ 1,484 inobviswa pane imwe nguva yekubatsirwa
- mari yezuva nezuva yemari yemubhadharo inoenderana nehurefu hwekugara kwako muchipatara: $ 0 kwemazuva 1 kusvika 60, $ 371 pazuva kwemazuva 61 kusvika 90, uye $ 742 pazuva kwemazuva 91 uye zvichidarika.
- zvese zvinodhura kana uri muchipatara kweanopfuura mazuva makumi mapfumbamwe mune imwe nguva yekubatsirwa uye wapfuura mazuva makumi matanhatu ekuchengetedza mazuva ehupenyu
Chii chinonzi Medicare Chikamu B?
Medicare Chikamu B chikamu cheMedicare yekutanga inovhara mitengo yekuchengetwa kwako kwekunze. Iwe uchabhadhara mari yepamwedzi yemubhadharo uyu zvichienderana nezinga rako remari.
Medicare Chikamu B inovhara mutengo wezvinhu zvakaita se:
- kushanya kwavanachiremba
- zvekurapa zvinodikanwa zvekurapa uye masevhisi
- mabasa ekudzivirira
- emergency ambulensi kutakura
- zvimwe zvekurapa
- inpatient uye outpatient hutano hwepfungwa mabasa
- imwe mishonga yekunze inorapwa
Kuti uve nechokwadi chekuti Medicare Chikamu B chinofukidza kusarudzwa kwako, sevhisi, kana zvekurapa, bvunza kana chiremba wako kana mupi webasa achigamuchira Medicare.Iwe unogona zvakare kushandisa iyo Medicare yekuvhara chishandiso kuti uone kana kwako kugadzwa kana sevhisi yakafukidzwa.
Pasi peMedicare Chikamu B, unogona kutarisira kubhadhara zvinotevera mutengo muna 2021:
- mubhadharo weinenge $ 148.50 pamwedzi (iyi mari inowedzera kana mari yako yega iri pamusoro pe $ 88,000 pagore kana $ 176,000 pagore kune vakaroora)
- $ 203 inobviswa pagore
- Makumi maviri muzana eMedicare-anotenderwa zviyero mushure mekunge yako yakabvisirwa yasangana yegore
Chii chinonzi Medicare Chikamu C (Medicare Advantage)?
Medicare Chikamu C (Medicare Advantage) ndeye yakazvimiririra inishuwarenzi chigadzirwa chinokupa iwe zvese kufukidzwa kweMedare zvikamu A uye B, pamwe nemamwe mabasa.
Mazhinji ezvehurongwa aya anopa kufukidzwa kwekunyorera mukuwedzera kune vepatient uye vekunze masevhisi. Bhenefiti senge mazino uye maonero ekuvhara anogona kuwedzerwa futi.
Iwe unogona kugadzirisa yako Medicare Advantage chirongwa zvichibva pane izvo iyo kambani iyo inotungamira yako chirongwa inopa uye izvo zvauri kuda kubhadhara.
Medicare ichabhadhara yakatarwa mari mwedzi wega wega kune wako Medicare Advantage chirongwa mupi kuti ape kune chikamu chekuvhara kwako.
Medicare Chikamu C zvirongwa zvinowanzo kuwira muzvikamu zvishoma zvakasiyana:
- Hutano Hwekuchengetedza Sangano (HMO) zvirongwa zvinoda kuti iwe ugamuchire nonemergency kutarisirwa kubva kune chaiwo vanopa mukati meyako chirongwa chenetiweki.
- Anosarudzika Provider Sangano (PPO) zvirongwa zvinokutendera iwe kushandisa vanopa chero mukati kana kunze kwenetiweki yako, asi iwe unobhadhara zvishoma kune in-network kuchengetwa.
- Yakavanzika Mari-ye-sevhisi (PFFS) zvirongwa zvakare zvinokutendera iwe kuti uone vatapi vari mukati kana kunze kwehurongwa hwetaneti; zvisinei, chirongwa chinoisa mitengo yezvichazobhadhara kune ayo nhengo masevhisi uye chii chako mugove uchave.
- Special Needs Plans (SNPs) zvirongwa zveMedicare Advantage zvakagadzirirwa vanhu vane zvimwe zvirwere kana mamiriro. Aya marongero anoenderana nemasevhisi uye kufukidza kune ako chaiwo mamiriro.
Medicare Chikamu C zvinodhura zvinosiyana zvichienderana nerudzi rwehurongwa uye mupi inishuwarenzi yaunosarudza.
Chii chinonzi Medicare Chikamu D?
Medicare Chikamu D chirongwa chinopa kufukidza mishonga yemishonga.
Ichi chirongwa cheMedicare chaunosarudza, asi kana ukasanyoresa paunotanga kukodzera, unogona kubhadhara zvikwereti paunosaina gare gare. Iwo mapenifomu anozoshanda chero bedzi iwe uine chirongwa chemushonga uye chichawedzerwa kumubhadharo wepayimendi yako yemwedzi.
Kunyorerwa mishonga yemishonga kunofanirwa kupihwa padanho repamusoro rakagadzwa neMedare. Asi zvirongwa zvakasiyana zvinogona kusarudza mishonga yavanonyora mumazita avo emishonga, kana mafomura. Yakawanda mishonga yemishonga inorongedzwa boka rakavhara mishonga ne:
- formulary, irwo runyorwa rwemishonga yekunyorerwa yakafukidzwa muchirongwa - kazhinji zvine sarudzo mbiri kana mbiri dzeboka rimwe nerimwe remishonga kana chikamu
- generic mishonga inogona kutsiviwa neyemazita-zita mishonga ine zvakafanana maitiro
- Zvirongwa zvine tiered izvo zvinopa akasiyana siyana emazinga emishonga (generic chete, generic pamwe zita zita, uye zvichingodaro) kune huwandu hwecompayments inowedzera nemishonga yako mitengo
Mutengo weMedicare Chikamu D zvirongwa zvinoenderana nehurongwa hwaunosarudza uye nemishonga ipi yaunoda. Iwe unogona kuenzanisa mutengo weakasiyana Medicare mishonga yemishonga zvirongwa online nekudzvanya pano.
Chii chinonzi Medicare yekuwedzera inishuwarenzi (Medigap)?
Medicare yekuwedzera inishuwarenzi, kana Medigap, marongero epachivande einishuwarenzi zvigadzirwa zvinoitirwa kubatsira kubhadhara mari isingabhadharwe neMedare zvikamu A, B, C, kana D. Aya marongero anosarudzika.
Zvirongwa zveMedigap zvinogona kubatsira kuvhara Mari mari se:
- copayments
- coinurances
- kubviswa
Shanduko diki diki dzakaitwa kuchirongwa cheMedigap muna2020.
Zvirongwa zveMedigap hazvichakwanise kushandiswa kubhadhara iyo Medicare Chikamu B inobviswa. Izvi zvinoreva kuti mhando mbiri dzeMedigap zvirongwa - Chirongwa C uye Chirongwa F - dzakamira kutengeswa kunhengo nyowani kubva muna Ndira 1, 2020. Vanhu vakatove nehurongwa uhu, zvakadaro, vanokwanisa kuchengeta kufukidzwa kwavo.
Zvirongwa zveMedigap zvinogona kusabhadharira mari dzese dzekunze, asi iwe unogona kuwana iyo inonyatsokodzera zvaunoda zvemari uye zvehutano. Iwe une akasiyana siyana ehurongwa uye ekufukidza mazinga aunosarudza kubva.
Heano mhedziso yezvimwe zvezvirongwa gumi zveMedigap zvinofukidza:
| Medigap chirongwa | Kuvhara |
|---|---|
| Ronga A | Medicare Chikamu A kudhara mari uye mutengo wemazuva makumi matatu nemakumi matatu nemashanu ekuchengetwa mushure mekubatsira kweMedare kwapera, Chikamu B kubhadharwa kwemari kana kukopwa, ekutanga matatu mapendi ekuisirwa ropa, uye yekuchengetwa kwevarwere mari yekuchengetedzwa kana macopayment. |
| Ronga B | Medicare Chikamu A mari yekuchengetedzwa uye mari yemazuva makumi matatu nemakumi matatu nemashanu ekuchengetwa mushure mekubatsira kweMedare kwapera, Chikamu B chemari kana macopayments, ekutanga matatu mapendi ekuwedzerwa ropa, ekuchengetwa kwevanochengetwa mari yekuchengetedzeka kana macopayment, uye Chikamu chako A chinobviswa. |
| Ronga C | Medicare Chikamu A kukosheswa uye mutengo wemazuva makumi matatu nemakumi matatu nemashanu ekuchengetwa mushure mekubatsira kweMedare kwapera, Chikamu B kubhadharwa kwemari kana kukopwa, ekutanga matatu mapendi ekuwedzerwa ropa, ekuchengetwa kwehosipa mari yekuchengetedzwa kana macopayments, hunyanzvi hwekuchengetwa kwenzvimbo yemari, chikamu chako A chinobviswa. , Chikamu chako B chinobviswa *, uye dzimwe nyika nzira dzekushambadzira dzinosvika makumi masere muzana |
| Ronga D | Medicare Chikamu A kudhara uye kudhura kwekutarisirwa kwemazuva makumi matatu nemakumi matatu nemashanu mushure meMedare mabhenefiti apera, Chikamu B kubhadhariswa kana kukopwa, ekutanga matatu mapendi ekuisirwa ropa, ekuchengetwa kwehospital chengetedzo kana macopayment, makoresheni emahofisi ehunyanzvi ane hunyanzvi, Chikamu chako A inobviswa, uye yekune dzimwe nyika kuchinjana kusvika ku80% |
| Ronga F | Medicare Chikamu A kudhara uye kudhura kwekutarisirwa kwemazuva makumi matatu nemakumi matatu nemashanu mushure meMedare mabhenefiti apera, Chikamu B kubhadhariswa kana kukopwa, ekutanga matatu mapendi ekuisirwa ropa, ekuchengetwa kwehospital chengetedzo kana macopayment, makoresheni emahofisi ehunyanzvi ane hunyanzvi, Chikamu chako A inobviswa, Chikamu chako B chinobvisirwa *, Chikamu B chinodhura icho chako chaunobhadharisa chinodarika icho chinotenderwa neMedare (mari yakawandisa), nekushambadzira kwekune dzimwe nyika kusvika ku80% |
| Ronga G | Medicare Chikamu A kudhara uye kudhura kwekutarisirwa kwemazuva makumi matatu nemakumi matatu nemashanu mushure meMedare mabhenefiti apera, Chikamu B kubhadhariswa kana kukopwa, ekutanga matatu mapendi ekuisirwa ropa, ekuchengetwa kwehospital chengetedzo kana macopayment, makoresheni emahofisi ehunyanzvi ane hunyanzvi, Chikamu chako A inobviswa, Chikamu B chinodhura icho mupi wako anobhadharisa kupfuura izvo zvinobvumirwa neMedare (mari yakawandisa), uye kuchinjisa kwekune dzimwe nyika kusvika makumi masere muzana |
| Ronga K | Medicare Chikamu A kubhadharwa mari uye mutengo wemazuva makumi matatu nemakumi matatu nemashanu ekuchengetwa mushure mekunge mabhenefiti eMedare apera, 50% yeChikamu B kubhadhariswa kana kukopwa, 50% yemutengo wependi yekutanga matatu yekuwedzerwa ropa, 50% yehospital yekuchengetwa kwemari kana macopayments, 50% yemari yemadhora kune vane hunyanzvi hunyanzvi zvivakwa, 50% yeChikamu chako A inobvisirwa - pamwe neyakare-muhomwe muganho we $ 6,220 ye2021 |
| Ronga L | Medicare Chikamu A kubhadharwa mari uye mutengo wekutarisirwa kwemazuva makumi matatu nemakumi matatu nemashanu mushure mekubatsira kweMedare kwapera, 75% yeChikamu B kubhadhariswa kana kukopwa, 75% yemutengo wependi yekutanga matatu yekuisirwa ropa, 75% yehospital yekuchengetwa kwemari kana macopayments, 75% yemari yemari yemadhora kune vane hunyanzvi hunyanzvi, 75% yeChikamu chako A inobviswa - ine muganho wekunze kwehomwe we $ 3,110 ye2021 |
| Ronga M | Medicare Chikamu A kubhadharwa mari uye mutengo wemazuva makumi matatu nemakumi matatu nemashanu ekuchengetwa mushure mekubatsira kweMedare kwapera, Chikamu B kubhadharwa kwemari kana kukopwa, ekutanga matatu mapendi ekuwedzerwa ropa, ekuchengetwa kwehosipa mari yekuchengetedzwa kwemari kana kukopa, kukosheswa kwenzvimbo dzevanamukoti vane hunyanzvi, 50% Chikamu chako A chinobviswa, uye kwekune dzimwe nyika kuchinjana kusvika ku80% |
| Ronga N | Medicare Chikamu A kudhara uye kudhura kwekutarisirwa kwemazuva makumi matatu nemakumi matatu nemashanu mushure meMedare mabhenefiti apera, Chikamu B kubhadhariswa kana kukopwa, ekutanga matatu mapendi ekuisirwa ropa, ekuchengetwa kwehospital chengetedzo kana macopayment, makoresheni emahofisi ehunyanzvi ane hunyanzvi, Chikamu chako A inobviswa, uye yekune dzimwe nyika kuchinjana kusvika ku80% |
* Mushure meNdira 1, 2020, vanhu vatsva kuMedare havagone kushandisa zvirongwa zveMedigap kubhadhara iyo Medicare Chikamu B inobviswa. Asi kana iwe watove wakanyoreswa muMedare uye chirongwa chako parizvino chiri kuripa, unogona kuchengeta iro zano uye bhenefiti.
Kutora
Zvinogona kutora nguva uye nesimba kupepeta nemhando dzakawanda dzeMedare zvirongwa. Asi idzi sarudzo dzinokupa yakawanda sarudzo kana zvasvika pakufukidza uye mutengo wehutano hwako.
Paunotanga kukodzera kuMedare, ita chokwadi chekutarisa zvese zvikamu zvaro kuti uwane yakanakira iwe uye dzivisa zvirango gare gare.
Ichi chinyorwa chakagadziridzwa munaNovember 17, 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.
Yakakurudzirwa Nesu
