Chii chinonzi Medicare? Zvese zvaunoda Kuti Uzive Nezve Medicare Basics

Zvemukati

• Chii chinonzi Medicare?
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu C
• Medicare Chikamu D
• Medigap
• Chii chinofukidza Medicare?
• Chikamu A kufukidza
• Chikamu B kufukidza
• Chikamu C kufukidza
• Chikamu D kufukidza
• Kufungidzirwa kweMedigap
• Kukodzera kweMedare
• Kunyoresa muMedicare
• Ndezvipi zviripo?
• Chikamu A chinodhura
• Chikamu B chinodhura
• Chikamu C chinodhura
• Chikamu D chinodhura
• Medigap mutengo
• Ndeupi musiyano uripo pakati peMedicare neMedicaid?
• Kutora

• Medicare inishuwarenzi yehutano sarudzo inowanika kune vanhu vane makore makumi matanhatu nemashanu zvichikwira uye avo vane mamwe mamiriro ehutano kana hurema.
• ChekutangaMedicare (zvikamu A uye B) inovhara zvizhinji zvechipatara uye zvido zvekurapa.
• Zvimwe zvikamu zveMedicare (Chikamu C, Chikamu D, uye Medigap) zvirongwa zvakavanzika zveinishuwarenzi zvinopa mamwe mabhenefiti uye masevhisi.
• Mwedzi nemwedzi uye gore reMedare mari dzinosanganisira maprimiyamu, zvakabviswa, macopayments, uye coinsurance.

Medicare ihurumende-inobhadharwa neinishuwarenzi yehutano sarudzo iyo inowanikwa kuvaAmerican vane makore makumi matanhatu nemashanu zvichikwira uye avo vane mamwe mamiriro ehutano husingaperi uye hurema. Pane zvakawanda zvakasarudzika zvekuvharirwa kweMedare, saka zvakakosha kuti unzwisise kuti ndeipi mhando yekuvhara chirongwa chega chega chinogona kukupa.

Muchikamu chino, tichaongorora zvese zviripo nezvekuziva nezve izvo zvekutanga zveMedare, kubva kufukidza, kusvika kumitengo, kunyoresa, nezvimwe.

Chii chinonzi Medicare?

Medicare chirongwa chinotsigirwa nehurumende chinopa inishuwarenzi yehutano kuvaAmerican vane makore makumi matanhatu nemashanu zvichikwira. Vamwe vanhu vari pasi pemakore makumi matanhatu nemashanu uye vane hutano husingaperi mamiriro kana hurema vanogona zvakare kuve vanokodzera kufukidzwa kweMedare.

Medicare ine akawanda "zvikamu" zvaunogona kunyoresa mukati kune akasiyana marudzi ehutano hwekuvhara.

Medicare Chikamu A

Medicare Chikamu A, chinozivikanwawo seinishuwarenzi yechipatara, inovhara masevhisi aunogashira iwe paunenge wagamuchirwa kuchipatara kana chimwe chipatara chekuchengetedza varwere. Iko kune inobvisirwa kusangana uye mari yemari yekusimbiswa. Iwe unogona zvakare kubhadhara mubhadharo weChikamu A kufukidzwa, zvinoenderana neyako mari yaunowana.

Medicare Chikamu B

Medicare Chikamu B, inozivikanwawo seinishuwarenzi yekurapa, inovhara kunze kwekudzivirira, kuongororwa, uye kurapwa mabasa ane chekuita nemamiriro ako ehutano. Iko kune yegore rinobvisirwa uye wepamwedzi mubhadharo wekuvhara, pamwe nemari yemubhadharo yemari.

Pamwe chete, Medicare zvikamu A uye B zvinozivikanwa se "yekutanga Medicare."

Medicare Chikamu C

Medicare Chikamu C, inozivikanwawo seMedicare Kubatsira, inishuwarenzi yakasarudzika inosanganisa ese maviri Medicare Chikamu A uye Chikamu B masevhisi. Mazhinji zvirongwa zveMedare zvinobatsira zvakare zvinopa kuwedzera kufukidza kwemishonga yemishonga, chiratidzo, mazino, kunzwa, nezvimwe. Iwe unogona kubhadhara maprimiyamu emwedzi nemwedzi uye copays nezvirongwa izvi, kunyange hazvo imwe neimwe ine mari dzakasiyana.

Medicare Chikamu D

Medicare Chikamu D, inozivikanwawo seinyorerwo yemishonga yekuvhara mishonga, inogona kuwedzerwa paMedicare yepakutanga uye inobatsira kuvhara zvimwe zvemutero wemishonga yako. Iwe uchabhadhara yakasarudzika inobviswa uye premium yeiyi chirongwa.

Medigap

Medigap, inozivikanwawo seMedicare yekuwedzera inishuwarenzi, inogona zvakare kuwedzerwa kune yekutanga Medicare uye inobatsira kuvhara zvimwe zvako zvekunze-kwehomwe Medicare mutengo. Iwe uchabhadhara mari yakasarudzika yeiyi chirongwa.

Chii chinofukidza Medicare?

Kuvhara kwako kweMedare kunobva pane izvo zvikamu zveMedare iwe zvawakanyoresa.

Chikamu A kufukidza

Medicare Chikamu A chinofukidza mazhinji mabasa epachipatara, kusanganisira:

• chipatara chekuchengetwa kwechipatara
• inpatient rehab kuchengetedza
• inpatient kurapwa kwepfungwa
• kushoma vane hunyanzvi hwekuchengeta nzvimbo
• kushomeka kwehutano hwepamba
• kutarisira varwere

Medicare Chikamu A hachifukidze kunze kwevarapi vemuhospital services, senge dzimba dzekukurumidzira dzekushanyira dzisingakonzere kugara kwevanorwara. Pane kudaro, kunze kwechipatara mabasa akafukidzwa pasi peMedicare Chikamu B.

Chikamu A hachifukidze akawanda emakamuri echipatara zvinobatsira, zvakavanzika uye zvekuchengetwa, kana kuchengetwa kwenguva refu.

Chikamu B kufukidza

Medicare Chikamu B chinofukidza zvekurapa zvinodikanwa zvekudzivirira, kuongororwa, uye kurapwa, kusanganisira:

• mabasa ekudzivirira
• emergency ambulensi kutakura
• kuongororwa mabasa, sekuongororwa kweropa kana maX-ray
• marapirwo uye mishonga inopihwa neyehunyanzvi wezvehutano
• midziyo yezvokurapa yakasimba
• kiriniki yekutsvaga mabasa
• kunze kwehutano hutano hwepfungwa

Medicare Chikamu B inovhara akawanda mabasa ekudzivirira, kubva kuzvirwere kuongororwa kusvika kuhutano hwepfungwa kuongororwa. Inovharawo mamwe majekiseni, kusanganisira aya ehururu, hepatitis B, nemabayo.

Chikamu B hachifukidze mishonga inonyorwa yakawanda uye chinongopa kushomeka kwekuvhara mishonga.

Chikamu C kufukidza

Medicare Chikamu C chinofukidza zvese zviri pasi peyaMedare Chikamu A uye Chikamu B. Mazhinji Medicare Chikamu C anoronga zvakare:

• mishonga yemishonga
• mazino masevhisi
• mabasa ekuona
• kunzwa services
• zvirongwa zvekusimbisa muviri uye nhengo dzekurovedza muviri
• mamwe marongero ehutano

Haasi ese marongero eMedicare Advantage anovhara masevhisi ari pamusoro, saka zvakakosha kuti uenzanise zvaunogona kusarudza paunenge uchitenga uchitenderedza chirongwa chakanakisa cheMedare.

Chikamu D kufukidza

Medicare Chikamu D inovhara mishonga yemishonga. Imwe neimwe Medicare inorayirwa chirongwa chemushonga ine fomu, kana rondedzero yemishonga inogamuchirwa yakavharwa. Iyo formulary inofanirwa kunge iine angangoita maviri madhiragi pane yega yega inowanzo gadzirirwa madhiragi emishonga, pamwe ne:

• gomarara zvinodhaka
• anticonvulsants
• mishonga inodzvinyirira
• antipsychotic
• Mishonga yeHIV / AIDS
• immunosuppressant zvinodhaka

Kune mimwe mishonga yemishonga isingavharwi pasi peChikamu D, senge idzo dzinoshandiswa kurapa kusagadzikana kweiyo erectile zvinodhaka kana kupfuura-the-counter zvinodhaka.

Chirongwa chega chega chemishonga chinonyorwa chine mitemo yacho, saka zvakakosha kuti ufunge izvi kana uchienzanisa zvirongwa.

Kufungidzirwa kweMedigap

Kune parizvino gumi dzakasiyana zvirongwa zveMedigap iwe zvaunogona kutenga kuburikidza nemakambani einishuwarenzi akazvimirira. Zvirongwa zveMedigap zvinobatsira kuvhara mari yekunze-yehomwe inosanganisirwa nemasevhisi ako eMedare, ayo anogona kusanganisira:

• Chikamu A chinobviswa
• Chikamu A coinsurance uye zvipatara zvinodhura
• Chikamu Chikamu chekuchengetedzwa kwemakambani kana mari yekubhadhara mari
• Chikamu B chinobvisirwa uye pamwedzi yemari
• Chikamu B coinsurance kana mari yekubhadhara mari
• Chikamu B mari yakawandisa
• kuwedzerwa ropa (yekutanga matatu pints)
• hunyanzvi hwekuchengetedza nzvimbo mari yekusimbisa mari
• mari yekurapa uchifamba kunze kweUnited States

Izvo zvakakosha kuti uzive kuti zvirongwa zveMedigap hazvipe imwe yekuvharidzirwa kweMedare. Pane kudaro, ivo vanongobatsira chete nemitengo inosanganisirwa nehurongwa hweMedare iwe hwaunyoresa mairi.

Kukodzera kweMedare

Vazhinji vanhu vanokodzera kutanga kunyoresa mune yekutanga Medicare mwedzi mitatu pamberi pemakore makumi matanhatu nemashanu ekuberekwa kwavo. Zvisinei, kune mamwe mamiriro ezvinhu apo iwe unogona kuve unokodzera kufukidzwa kweMedare chero zera. Izvi zvinosanganisa zvinosanganisira:

• Humwe hurema. Kana iwe uchigashira mabhenefiti emwedzi pamwedzi kuburikidza neSocial Security Administration kana Railroad Retirement Board (RRB), unokodzera Medicare mushure memwedzi makumi maviri nemana.
• Amyotrophic lateral sclerosis (ALS). Kana iwe uine ALS uye unogashira Social Security kana RRB mabhenefiti, unokodzera Medicare kubva pamwedzi wekutanga.
• End danho renal chirwere (ESRD). Kana iwe uine ESRD, iwe unobva wakodzera kunyoresa muMedare.

Pane imwe nguva vakanyoresa muMedare zvikamu A uye B, vanokodzera maAmerican vanogona kunyoresa muchirongwa cheMedicare Advantage.

Kunyoresa muMedicare

Vanhu vazhinji vanokodzera kufukidzwa neMedare vanofanirwa kunyoresa panguva dzekunyora. Iyo nguva uye nguva dzakatarwa dzekunyora kweMedare dzinosanganisira:

• Kutanga kunyoresa. Izvi zvinosanganisira mwedzi mitatu zvisati zvaitika, mwedzi uye mwedzi mitatu mushure mekusvitsa makore makumi matanhatu nemashanu.
• Kunyoresa kwakawanda. Izvi zvinobva muna Ndira 1 kusvika Kurume 31 kana iwe wakarasikirwa nenguva yako yekutanga yekunyora. Zvisinei, mari yekunyora yekupedzisira inogona kushanda.
• Kunyorwa kwakakosha. Iyi sarudzo yeimwe nhamba yemwedzi zvinoenderana nechikonzero chako chekukodzera.
• Kunyoresa kweMedigap. Izvi zvinosanganisira mwedzi mitanhatu mushure mekusvitsa makore makumi matanhatu nemashanu ekuberekwa.
• Medicare Chikamu D kunyoresa. Izvi zvinobva muna Kubvumbi 1 kusvika Chikumi 30 kana wakarasikirwa nenguva yako yekutanga yekunyoresa.
• Vhura kunyoresa. Unogona kushandura kufukidza kwako kubva Gumiguru 15 kusvika Zvita 7 gore rega rega kana iwe uchida kunyoresa mukati, kudonhedza, kana kushandura chirongwa cheMedare.

Iwe unozongo nyorwa wega muMedicare zvikamu A uye B kana:

• urikusvitsa makore makumi matanhatu nemashanu mukati memwedzi mina uye wanga uchiwana mabhenefiti ehurema
• hausi kutendeuka zera makumi matanhatu nemashanu asi wanga uchigamuchira mibairo yekuremara kwemwedzi makumi maviri nemana
• hausi kutendeuka zera makumi matanhatu nemashanu asi wakaonekwa uine ALS kana ESRD

Kune vanhu vasina kunyoreswa muMedicare, iwe unofanirwa kunyoresa kuburikidza neSocial Security webhusaiti. Kana iwe ukasaina kusaina panguva yekunyoresa nguva, pane zvirango zvekunonoka kunyoresa.

Ndezvipi zviripo?

Mari yako yeMedare inoenderana nerudzi rwehurongwa hwaunayo.

Chikamu A chinodhura

Medicare Chikamu A mutengo unosanganisira:

• Chikamu A shoma: zvakaderera se $ 0 (isina-chikamu Chikamu-cheA) kana chakakwira kunge $ 471 pamwedzi, zvinoenderana nekuti iwe kana murume / mukadzi wako wakashanda kwenguva yakareba sei paupenyu hwako
• Chikamu A chinobviswa: $ 1,484 panguva yekubatsirwa
• Chikamu A coinsurance: kubva pamadhora 0 kusvika pamutengo wakazara wemasevhisi zvichienderana nehurefu hwekugara kwako

Chikamu B chinodhura

Medicare Chikamu B mutengo unosanganisira:

• Chikamu B chekutanga: kutanga pa $ 148.50 pamwedzi kana kupfuura, zvichibva pamari yako
• Chikamu B chinobviswa: $ 203 pagore
• Chikamu B coinsurance: 20 muzana yemari inobvumidzwa neMedare-Medicare yeakavharwa Chikamu Chikamu B

Chikamu C chinodhura

Iwe uchazobhadhara iyo yekutanga Medicare mutengo kana iwe uchinyoresa muMedare Chikamu C. Medicare Advantage zvirongwa zvinogona zvakare kubhadharisa hurongwa hwezvirongwa, izvo zvinogona kusanganisira:

• mwedzi wepamberi
• gore rinobviswa
• kunyorerwa zvinodhaka kunoderedzwa
• copayments uye coinsurance

Iyi Medicare Advantage chirongwa chehurongwa chinogona kusiyana zvichienderana nekwaunogara uye mupi weinishuwarenzi waunosarudza.

Chikamu D chinodhura

Iwe uchabhadhara mari yakasarudzika yehurongwa hweMedare Chikamu D, pamwe nemari dzekubhadhara dzemishonga yako yekunwa. Aya macopayment zviyero zvinosiyana zvichibva pane izvo zvekutanga "tier" yako yemishonga mishonga inowira mairi. Zano rega rega rine mari dzakasiyana uye zvinodhaka zvinosanganisirwa mumatanho avo.

Medigap mutengo

Iwe uchabhadhara mari yakasarudzika yemutemo weMedigap. Zvisinei, ramba uchifunga kuti zvirongwa zveMedigap zvakagadzirirwa kubatsira kubvisa zvimwe zvezvimwe zvekutanga zveMedare.

Dzimwe dzenzira dzekubhadhara yako Medicare bhiri mwedzi wega inosanganisira:

• Webhusaiti yeMedicare, ine debit kana kiredhiti kadhi
• netsamba, uchishandisa cheki, odha yemari, kana fomu rekubhadhara

Imwe nzira yekubhadhara yako Medicare bhiri inonzi Medicare Easy Pay. Medicare Nyore Kubhadhara ibasa remahara iro rinokutendera iwe kubhadhara yako yemwedzi nemwedzi Medicare Chikamu A uye Chikamu B mapuramu kuburikidza ne otomatiki bhangi rinobvisa.

Kana iwe wakanyoreswa muMedare zvikamu A uye B, iwe unogona kuwana zvimwe zvakawanda nezve maitiro ekunyoresa muMedicare Easy Pay nekudzvanya pano.

Ndeupi musiyano uripo pakati peMedicare neMedicaid?

Medicare chirongwa cheinishuwarenzi chehutano chinotsigirwa nehurumende chinowanikwa kumaAmerican ane makore makumi matanhatu nemashanu zvichikwira uye avo vane mamwe mamiriro kana hurema.

Medicaid chirongwa cheinishuwarenzi chehutano chinotsigirwa nehurumende chinowanikwa kune vanokodzera maAmerica nemari shoma.

Iwe unogona kuve unokodzera kune ese ari maviri Medicare uye Medicaid kufukidzwa. Kana izvi zvikaitika, Medicare ichave yako yekutanga inishuwarenzi kufukidza uye Medicaid ichave yako yechipiri inishuwarenzi kufukidza kubatsira nemari uye nemamwe masevhisi asina kufukidzwa neMedare.

Kukodzera kweMedicaid kunosarudzwa nenyika yega yega uye kunoenderana nezvinotevera maitiro:

• mari yegore rose
• saizi yemhuri
• chinzvimbo chemhuri
• chinzvimbo chekuremara
• chinzvimbo chekuva mugari wenyika

Unogona kuona kana uchikodzera kufukidzwa neMedicaid nekutaurirana kana kushanyira hofisi yemunharaunda yako kuti uwane rumwe ruzivo.

Kutora

Medicare inozivikanwa inishuwarenzi yehutano sarudzo yevaAmerican vane makore makumi matanhatu nemashanu zvichikwira kana vane hurema. Medicare Chikamu A chinobata mabasa epachipatara, nepo Medicare Chikamu B ichifukidza mabasa ekurapa.

Medicare Chikamu D chinobatsira kuvhara mishonga yemishonga, uye chirongwa cheMedigap chinobatsira kuvhara Medicare premium uye mari yekusimbisa mari. Medicare Advantage zvirongwa zvinopa iko nyore kwesarudzo dzese dzekuvhara munzvimbo imwe.

Kuti uwane uye unyore muchirongwa cheMedare munzvimbo yako, shanyira Medicare.gov uye shandisa online online finder chishandiso.

Chinyorwa ichi chakagadziridzwa munaNovember 18, 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.