Kodi Medicare Part A Ndi Chiyani mu 2021?

Zamkati

• Kodi Medicare Part A ndi chiyani?
• Kodi pali phindu la Medicare Part A?
• FAQ: Kodi muyenera kulembetsa ku Medicare Part B ngati mulembetsa mu Gawo A?
• Kodi pali ndalama zina za Medicare Part A?
• FAQ: Kodi gawo la gawo A ndi liti?
• Kusamalira odwala kuchipatala
• Kusamalira malo oyamwitsa
• Chisamaliro chanyumba
• Kusamalira odwala
• Kusamalira odwala
• FAQ: Kodi ndilipira chindapusa ngati sindilembetsa nawo gawo A ndikangoyenerera?
• Kodi Medicare Part A imaphimba chiyani?
• Zomwe sizikutenga Part A?
• Kutenga

Pulogalamu ya Medicare ili ndi magawo angapo. Medicare Part A limodzi ndi Medicare Part B amapanga zomwe zimatchedwa Medicare zoyambirira.

Anthu ambiri omwe ali ndi Gawo A sadzayenera kulipira. Komabe, palinso ndalama zina, monga kuchotsera, ma copay, ndi chitsimikizo chomwe mungafunike kulipira ngati mukufuna chisamaliro cha chipatala.

Nazi zomwe muyenera kudziwa pamalipiro ndi ndalama zina zokhudzana ndi Medicare Part A.

Kodi Medicare Part A ndi chiyani?

Medicare Part A imawerengedwa kuti ndi inshuwaransi ya chipatala. Zimathandiza kulipirira zina mwa zolipira m'malo osiyanasiyana azachipatala ndi azaumoyo mukalandiridwa ngati odwala.

Anthu ena amangolembetsa nawo gawo A akakhala oyenerera. Ena adzalembetsa kudzera mu Social Security Administration (SSA).

Kodi pali phindu la Medicare Part A?

Anthu ambiri omwe amalembetsa gawo A sadzalipira mwezi uliwonse. Izi zimatchedwa Medicare Part A.

Malipiro a Medicare Part A amatengera kuchuluka kwa malo omwe munthu adalipira misonkho ya Medicare asanalembetse ku Medicare. Misonkho ya Medicare ndi gawo limodzi la misonkho yoletsa yomwe mumalandira yomwe mumalandira.

Ngati simunagwire ntchito zokwanira 40 kotala (kapena zaka 10), nazi ndalama zomwe Gawo A mtengo wake udzawonongere mu 2021:

Mukalembetsa mu Gawo A, mudzalandira khadi ya Medicare pamakalata. Ngati muli ndi gawo la Part A, khadi yanu ya Medicare idzanena "HOSPITAL" ndikukhala ndi tsiku lomwe kufalitsa kwanu kuli kothandiza. Mutha kugwiritsa ntchito khadi ili kuti mulandire ntchito zilizonse zomwe zili mu Gawo A.

FAQ: Kodi muyenera kulembetsa ku Medicare Part B ngati mulembetsa mu Gawo A?

Mukalembetsa mu Gawo A, mufunikanso kulembetsa gawo B. Gawo la Medicare Part B limafotokoza za chithandizo chamankhwala cha kuchipatala monga kusankhidwa kwa adotolo.

Mulipira ndalama zapadera pamwezi. Ndalama zoyambira mu Gawo B mu 2021 ndi $ 148.50, ndipo anthu ambiri omwe ali ndi Gawo B azilipira ndalamazi.

Kodi pali ndalama zina za Medicare Part A?

Kaya mumalipira chindapusa pamwezi pa Medicare Part A yanu kapena ayi, palinso ndalama zina zomwe zimakhudzana ndi Gawo A. Ndalama izi zimasiyanasiyana kutengera zinthu monga mtundu wa malo omwe mwalandilidwa komanso kutalika kwa malo okhala.

Ndalama zowonjezera zotulutsira mthumba zitha kuphatikizira izi:

• Zodulidwa: ndalama zomwe muyenera kulipira Gawo A lisanayambike kulipira mtengo wa chisamaliro chanu
• Zithunzi: kuchuluka kokhazikika komwe muyenera kulipira pantchito
• Coinsurance: Peresenti yomwe mumalipira pantchito mukakumana ndi deductible yanu

FAQ: Kodi gawo la gawo A ndi liti?

Nthawi zopindulitsa zimaperekedwa kwa ogona kuchipatala, kuchipatala, kapena malo oyamwitsa aluso.

Nthawi iliyonse yopindulitsa, Gawo A lidzafotokoza masiku anu oyambilira 60 (kapena masiku 20 oyamba a malo oyamwitsa aluso) mukakumana ndi kuchotsedwa. Pambuyo pa nthawi yoyamba iyi, muyenera kulipira ndalama zatsiku ndi tsiku.

Nthawi zopindulitsa zimayamba tsiku lomwe mwalandilidwa ngati wodwala ndipo mumatha masiku 60 mutachoka pamalopo. Simungayambire nthawi yatsopano yopindulitsa kufikira mutakhala kuti simumalandira chithandizo chamankhwala kwa masiku osachepera 60 otsatizana.

Kusamalira odwala kuchipatala

Umu ndi momwe ndalama zonsezi zimakhalira mchipatala mu 2021:

Kusamalira malo oyamwitsa

Malo oyamwitsa aluso amapereka chithandizo chakuchiritsa monga unamwino waluso, chithandizo chantchito, chithandizo chamankhwala, ndi ntchito zina kuthandiza odwala kuchira kuvulala ndi matenda.

Gawo la Medicare A limalipira mtengo wa chisamaliro m'malo osamalira anthu okalamba; komabe, pali zolipira zomwe muyenera kulipira. Izi ndi zomwe mudzalipire kuti mukhale malo osungira anthu aluso nthawi iliyonse yopindula mu 2021:

Chisamaliro chanyumba

Medicare Part A imafotokoza zaumoyo wanthawi yayitali pantchito zina zoyenera. Medicare iyenera kuvomereza chithandizo chanyumba yanu. Ngati avomerezedwa, simungamalipire chilichonse kuchipatala.

Ngati mukufuna zida zamankhwala zolimba panthawiyi, monga chithandizo chamankhwala, zoperekera chisamaliro cha zilonda, ndi zida zothandizira, mutha kukhala ndi gawo la 20% ya mtengo wovomerezeka ndi Medicare wa zinthuzi.

Kusamalira odwala

Malingana ngati wothandizira omwe mungasankhe akuvomerezedwa ndi Medicare, Medicare Part A idzayang'anira chisamaliro cha odwala. Ngakhale mautumiki omwewo nthawi zambiri amakhala opanda mtengo, pakhoza kukhala zolipira zomwe mungafunike kulipira monga:

• ndalama zolipirira zosaposa $ 5 pa mankhwala aliwonse omwe munthu akupatsani kuti muchepetse ululu komanso kuwongolera zizindikilo ngati mukulandira kunyumba kunyumba
• 5% ya ndalama zomwe Medicare amavomereza kuti azisamalira odwala
• mtengo wathunthu wosamalira nyumba zosungira anthu okalamba, popeza Medicare salipira chisamaliro cha nyumba zosamalirako okalamba kapena nthawi ina iliyonse

Kusamalira odwala

Medicare Part A imakhudza chithandizo chamankhwala opatsirana mwachipatala; komabe, pali zolipira zomwe mungafunike kuti mulipire.

Mwachitsanzo, muyenera kulipira 20% ya mtengo wovomerezeka ndi Medicare wothandizira amisala kuchokera kwa madotolo ndi othandizira omwe ali ndi zilolezo mukaloledwa kupita kuchipatala ngati wodwala.

Umu ndi momwe malo okhala odwala matenda amisala azikhala mu 2021:

FAQ: Kodi ndilipira chindapusa ngati sindilembetsa nawo gawo A ndikangoyenerera?

Ngati simukuyenera kulandira Gawo A lopanda premium ndikusankha kuti musagule mukayamba kulembetsa ku Medicare, mutha kulandira chilango chakumapeto. Izi zitha kupangitsa kuti ndalama zomwe mumalandira mwezi uliwonse zizikwera mpaka 10 peresenti chaka chilichonse osalembetsa ku Medicare Part A mukatha kulandira.

Mulipira ndalama zowonjezeredwa izi kawiri kuchuluka kwa zaka zomwe munali oyenerera Gawo A, koma simunalembetse. Mwachitsanzo, ngati mungalembetse zaka 3 mutakhala oyenerera, mudzalipira ndalama zowonjezera zaka 6.

Kodi Medicare Part A imaphimba chiyani?

Gawo A nthawi zambiri limafotokoza mitundu iyi ya chisamaliro:

• chisamaliro cha chipatala
• chisamaliro chaumoyo
• kusamalira maluso oyamwitsa
• kukonzanso odwala
• chipatala
• chithandizo chamankhwala kunyumba

Mumangophimbidwa ndi Gawo A ngati mungaloledwe kuchipatala ngati wodwala (pokhapokha kuchipatala chakunyumba). Chifukwa chake, ndikofunikira kufunsa omwe amakusamalirani ngati mumawawona ngati odwala kapena odwala tsiku lililonse. Kaya mumadziwika kuti ndinu wodwala wodwala kapena wodwalayo angakhudze kufalitsa kwanu komanso kuchuluka kwa zomwe muyenera kulipira.

Zomwe sizikutenga Part A?

Nthawi zambiri, Gawo A silikutanthauza chisamaliro cha nthawi yayitali. Kusamalira kwanthawi yayitali amatanthauza chisamaliro chosachiritsika chokhala ndi moyo watsiku ndi tsiku kwa anthu olumala kapena matenda azaka zazitali. Chitsanzo chingakhale mtundu wa chisamaliro choperekedwa kumalo okhala othandizira.

Kuphatikiza apo, Gawo A silimalipira kuchipatala kapena malo opatsirana amisala kupitirira masiku anu osungira moyo. Muli ndi masiku osungira okwanira 60 omwe mungagwiritse ntchito ngati ndinu odwala mu malo amodzi mutakhala komweko masiku 90.

Masiku osungira moyo wonse sadzazidwanso. Mukazigwiritsa ntchito zonsezi, mumakhala ndi udindo pazolipira zonse. Mwachitsanzo, ngati munagwiritsa ntchito masiku anu onse osungidwa mzipatala zam'mbuyomu masiku opitilira 90, muli ndiudindo pazolipira zonse ngati wodwala wodwala wodwalayo apitilira masiku 90.

Kutenga

Medicare Part A imakhudza kugona kwa odwala, monga omwe ali kuchipatala kapena malo oyamwitsa aluso. Pamodzi ndi Gawo B, magawo awa amapanga Medicare yoyambirira.

Anthu ambiri samalipira ndalama pamwezi pa Gawo A, koma pali ndalama zina zomwe zimakhudzana ndi Gawo A zomwe mungafunike kulipira monga zochotseredwa, ma copay, komanso ndalama zandalama.

Nkhaniyi idasinthidwa pa Novembala 13, 2020, kuti iwonetse zambiri za 2021 Medicare.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.