Ndeapi Medicare Anovhara

Zvemukati

• Zvinhu Zvishanu Zvaungasaziva Nezve Medicare
• Medicare Chikamu A
• Chii chinonzi Medicare Chikamu A chinodhura?
• Medicare Chikamu B
• Chii chinonzi Medicare Chikamu B chinodhura?
• Medicare Chikamu C
• Chii chinonzi Medicare Chikamu C chinodhura?
• Medicare Chikamu D
• Chii chinonzi Medicare Chikamu D chinodhura?
• Izvo Medicare isingavhare
• Kutora

Medicare ine sarudzo shanu dzakakosha dzinopa rubatsiro rwehutano kune vanhu vane makore makumi matanhatu nemashanu zvichikwira uye vanhu vakaremara uye mamwe mamiriro asingaperi.

• Medicare Chikamu A chinopa pekutanga chipatara kufukidza.
• Medicare chikamu B inovhara kunze kwekurapwa sekushanya kwachiremba uye bvunzo dzekuongorora.
• Medicare Chikamu C (Medicare Advantage) sarudzo yakasarudzika inosanganisa Chikamu A uye Chikamu B kufukidza uye inopa mamwe mabhenefiti.
• Medicare Chikamu D inorayirwa kunyorera zvinodhaka.
• Medicare yekuwedzera (Medigap) inishuwarenzi yakazvimiririra iyo inobatsira kuvhara kunze-kwe-muhomwe kudhura senge copays, coinsurance, uye zvinokamurwa.

Kana zvasvika kune hutano, zvakakosha kuti uzive chakavharidzirwa uye chii chisina kuvharwa. Nemhaka yekuti kune zvirongwa zvakawanda zvakasiyana zveMedare, zvinogona kuvhiringidza kuziva kuti ndeipi hurongwa inokupa iko kufukidzwa chaiko. Neraki, pane zvimwe zvishandiso zvinogona kuita kuti zvive nyore kwauri.

Medicare chirongwa cheinishuwarenzi chinopihwa nehurumende yemubatanidzwa yevanhu vane makore makumi matanhatu nemashanu zvichikwira, pamwe nevanhu vakaremara uye vanhu vane chirwere chinopera renal (ESRD), rudzi rweitsvo kutadza.

Zvinhu Zvishanu Zvaungasaziva Nezve Medicare

Pane zvikamu zvina pachirongwa cheMedicare: A, B, C, uye D. Chikamu chimwe nechimwe chinofukidza akasiyana maitiro ehutano. Iwe unogona kunyoresa mune chimwe kana zvimwe zvikamu zveMedare, asi zvikamu zvakajairika vanhu vanonyoresa muzvikamu A neB, zvinozivikanwa seMedicare yekutanga. Izvi zvikamu zvinofukidza huwandu hweshumiro. Vanhu vanowanzo fanirwa kubhadhara mari yemwedzi, asi izvi zvinosiyana zvakanyanya zvichibva pamari.

Medicare Chikamu A

Medicare Chikamu A inovhara kuchipatara zvinodhura kana iwe uchigamuchirwa zviri pamutemo kuchipatara nemutemo wechiremba. Inopa mabhenefiti emasevhisi se:

• vanofamba uye mawiricheya
• kutarisira varwere
• mamwe mabasa epamba ehutano
• kuwedzerwa ropa

Chikamu A chinopawo kufukidzwa kushoma kwenzvimbo dzine hunyanzvi dzevanamukoti kana iwe uchikodzera kugara muchipatara kwevarwere - mazuva matatu akateedzana zvichikonzerwa nemutemo wekubvumirwa kwevanopinda muchipatara wakanyorwa nachiremba wako.

Chii chinonzi Medicare Chikamu A chinodhura?

Zvichienderana nemari yaunowana, ungatofanira kubhadhara mubhadharo wechikamu cheA chikamu. Kana iwe wakashanda uye ukabhadhara mitero yeFICA kwemakore gumi, iwe haubhadhare mari yechikamu A. Zvisinei, Ungatofanira kubhadhara macopayments kana kubvisirwa chero masevhisi pasi peMedare Chikamu A. Unogona kunyorera rubatsiro kana rubatsiro kana uchikwanisa ' t kubhadhara.

Zvinoenderana neMedicare, pamusoro pe $ 1,484 inobviswa, yako 2021 Chikamu A mutengo unosanganisira:

• $ 0 coinsurance yemazuva ekuchipatara 1-60
• $ 371 yekusimbiswa kwemari pazuva rekugara muchipatara mazuva 61-90
• $ 742 yekusimbiswa kwemari pazuva rekugara muchipatara zuva 91 uye kupfuura kwezuva rega rega rekuchengetedza zuva
• mutengo wese wezuva rega rega rekuchipatara pamusoro pehupenyu hwako hwekuchengetedza mazuva
• hapana muripo wemazuva makumi maviri ekutanga enzvimbo yekubvumidza vane hunyanzvi vanotarisirwa
• $ 185.50 pazuva kwemazuva makumi maviri kusvika kumazana ezana renzvimbo yekubvumidza vane hunyanzvi vanotarisirwa
• zvese zvinodhura mushure memazuva zana nemakumi mapfumbamwe enzvimbo yekubvumidzwa yevanamukoti vane chitupa
• hapana muripo wekuchengeta varwere

Kuti masevhisi ekuvharirwa neMedare, unofanirwa kubvumidzwa uye kupihwa rubatsiro mune inzvimbo inogamuchirwa neMedare.

Medicare Chikamu B

Medicare Chikamu B inovhara masevhisi echiremba uye kuchengetedza kwehutano, sekushanya kwechiremba kwegore uye bvunzo. Vanhu vanowanzo kuve nezvikamu A uye B pamwechete kuti vawane kufukidzwa zvakanyanya. Semuenzaniso, kana iwe ukagara muchipatara, iko kugara kwacho kwaizovharwa pasi peMedicare Chikamu A uye mabasa echiremba angavharwa pasi peChikamu B.

Chikamu B chinofukidza akasiyana siyana bvunzo uye masevhisi, kusanganisira:

• kuongorora kenza, kushushikana, uye chirwere cheshuga
• ambulensi uye emergency department services
• furuwenza uye hepatitis majekiseni
• zvekurapa zvekushandisa
• chirwere cheshuga

Chii chinonzi Medicare Chikamu B chinodhura?

Zvimwe zveChikamu chako B zvinodhura mari yemwedzi nemwedzi ye $ 148.50; zvisinei, mari yako yepamberi inogona kunge iri shoma kana yakawanda kana shoma zvichienderana nemari yaunowana.

Mamwe masevhisi akafukidzwa pasi peMedicare Chikamu B pasina muripo wekuwedzera kwauri kana iwe ukaona chiremba anotambira Medicare. Kana iwe uchida sevhisi kunze kweicho chakafukidzwa neMedicare, iwe uchafanirwa kubhadhara iyo sevhisi iwe pachako.

Medicare Chikamu C

Medicare Chikamu C, chinonziwo Medicare Advantage, inotengeswa zvakavanzika sarudzo dzeinishuwarenzi dzinosanganisira kufukidzwa kumwechete sezvikamu A neB mukuwedzera pamamwe mabhenefiti senge mishonga yemishonga yekurapa, mazino, kunzwa, kuona, nevamwe. Kuti utenge chirongwa cheMedare Kubatsira, unofanirwa kunyoreswa mune yekutanga Medicare.

Chii chinonzi Medicare Chikamu C chinodhura?

Iwe unowanzo kubhadhara mubhadharo wezvirongwa izvi, uye unofanirwa kuona vanachiremba mukati mekweti yako. Zvikasadaro, macopayments kana imwe fizi inogona kushanda. Yako Medicare Chikamu C mutengo zvinoenderana nerudzi rwechirongwa chaunosarudza.

Medicare Chikamu D

Medicare Chikamu D chirongwa chinofukidza mishonga yemishonga isingavharwe neChikamu B, ayo ari mhando yemishonga inoda kupihwa nachiremba, sekumukiswa kana jekiseni. Urongwa uhwu hunosarudzika, asi vanhu vazhinji vanosarudza kuve nahwo kuitira kuti mishonga yavo ifukidzwe.

Chii chinonzi Medicare Chikamu D chinodhura?

Mutengo weMedicare Chikamu D unosiyana zvichienderana nemhando dzipi dzemishonga dzaunotora, chirongwa chauinacho, uye iyo pharmacy yaunosarudza. Iwe unenge uine mubhadharo wekubhadhara uye, zvichienderana nemari yako, ungatofanira kubhadhara mari yekuwedzera. Iwe unogona zvakare kuita macopayments kana kubhadhara inobviswa.

Izvo Medicare isingavhare

Ipo Medicare inovhara akasiyana siyana ekuchengetedza, kwete zvese zvakavharwa. Kuchengetwa kwemazino kwakawanda, bvunzo dzemaziso, rubatsiro rwekunzwa, kugadziriswa, uye chero kuvhiya kwekuzora hakuna kuvharwa neMedicare yekutanga.

Medicare haifukidze kuchengetwa kwenguva refu. Kana iwe uchifunga kuti iwe kana munhu waunoda achazoda kutarisirwa kwenguva refu, funga imwe yakasarudzika-refu-refu yekuchengetedza inishuwarenzi.

Kutora

• Medicare inoumbwa nemhando shanu dzekuvhara, Chikamu A, Chikamu B, Chikamu C, Chikamu D, uye Medigap. Idzi sarudzo dzinopa sarudzo dzakawanda kusangana nezvinodiwa zvehutano.
• Ipo Medicare ichifukidza akawanda mabasa ehutano sekuchengetwa muchipatara, kushanyirwa nachiremba, uye mishonga yemishonga, kune mabasa ekurapa ayo asingaiti.
• Medicare haifukidze kuchengetwa kwenguva yakareba, cosmetic nzira, uye zvimwe. Unogona kubvunza chimbo chekufukidza cheMedicare kana kufonera 800-MEDICARE kuti uone kana sevhisi chaiyo yakavharwa.

Verenga chinyorwa ichi muchiSpanish