Gawo la Medicare A Coverage: Zomwe Muyenera Kudziwa Zokhudza 2021

Zamkati

• Kodi Medicare Part A ndi chiyani?
• Kodi Medicare Part A imaphimba chiyani?
• Kodi Medicare Part A sichikuphimba chiyani?
• Kodi Medicare Part A ndi yotani?
• Kodi pali chithandizo china chamankhwala kuchipatala?
• Kodi ndine woyenera ku Medicare Part A?
• Momwe mungalembetsere ku Medicare Part A
• Kulembetsa koyamba
• Kulembetsa mwapadera
• Kutenga

Medicare ndi pulogalamu ya inshuwaransi yadziko lonse ku United States. Ngati munthu ali ndi zaka 65 kapena kupitilira apo kapena ali ndi matenda ena, atha kulandira chithandizo cha Medicare.

Centers for Medicare ndi Medicaid Services amayendetsa Medicare, ndipo amagawa ntchito m'magawo A, B, C, ndi D.

Medicare Part A imathandiza kulipira ngati munthu akufuna thandizo lachipatala. Ngati inu kapena mnzanu mudagwira ndikulipira misonkho ya Medicare kwa zaka zosachepera 10, mutha kulandira Medicare Part A kwaulere.

Kodi Medicare Part A ndi chiyani?

Medicare Part A ndi njira yothandizira anthu kuchipatala kwa anthu azaka 65 kapena kupitilira apo. Opanga a Medicare amalingalira magawo ngati buffet.

Nthawi zonse mumalandira Gawo A, chifukwa chake mumakhala ndi chiphaso chogona kuchipatala. Ngati mulibe inshuwaransi yapadera ndipo mukufuna kufotokozedwa kwambiri, mutha kusankha mbali zina za Medicare.

Simusowa kuti mupume pantchito kuti mulembetse ku Medicare Part A - ndi phindu lomwe mungayambe kulandira mukangofika zaka 65. Anthu ambiri amasankha kukhala ndi inshuwaransi yachinsinsi (monga yochokera kwa owalemba ntchito) ndi Medicare.

Kodi Medicare Part A imaphimba chiyani?

Kupatula zina, Medicare Part A imafotokoza izi:

• Kusamalira odwala kuchipatala. Izi zimakhudza mayeso aliwonse kapena chithandizo chomwe mungafunike mutalandiridwa kuchipatala.
• Chithandizo chochepa chanyumba. Ngati mukufuna chisamaliro kuchokera kwa mthandizi wathanzi mukamasulidwa kuchipatala, Medicare ipereka chithandizo chamankhwala mukamachira.
• Kusamalira odwala. Mukasankha chisankho chofuna chithandizo chamankhwala m'malo mokalandira chithandizo cha matenda osachiritsika, Medicare idzalipira ndalama zambiri zomwe mumalandira.
• Malo osamalira anthu okalamba kwakanthawi. Ngati mukufuna chisamaliro chamwino, Medicare idzakwaniritsa nthawi yanu yokhala ndi ntchito kwakanthawi.

Kusamalira odwala kuchipatala kumaphatikizapo ntchito monga chakudya, ntchito zaunamwino, chithandizo chamankhwala, ndi mankhwala omwe dokotala akuti ndiofunikira pa chisamaliro.

Medicare Part A nthawi zambiri imangotenga ndalama zakuyendera kuchipatala mwadzidzidzi ngati dokotala akukulowetsani kuchipatala. Ngati dokotala sakukuvomerezani ndipo mubwerera kunyumba, Medicare Part B kapena inshuwaransi yanu yangayekha ikhoza kulipira ndalamazo.

Kodi Medicare Part A sichikuphimba chiyani?

Ndikofunikanso kudziwa kuti Medicare Part A siyimalipira zonse kuchipatala. Nazi zinthu zochepa zomwe Gawo A sizikuphimba:

• Mapiritsi anu atatu oyamba amwazi. Ngati chipatala chilandila magazi kuchokera ku banki yosungira magazi, mwina simuyenera kulipira chilichonse. Komabe, ngati chipatala chimayenera kukupezerani magazi apadera, ndizotheka kuti mufunika kulipira thumba.
• Zipinda zapadera. Ngakhale chisamaliro cha kuchipatala chimaphatikizapo kukhala mchipinda chobisalira, mulibe ufulu wokhala m'chipinda chapadera mukamamusamalira.
• Kusamalira kwanthawi yayitali. Gawo A limangopereka chisamaliro pakadwala kapena kuvulala kwambiri. Ngati muli ndi zosowa zanthawi yayitali, monga nyumba yosungira okalamba, muyenera kulipira ndalama zanyumba yanu mthumba.

Kodi Medicare Part A ndi yotani?

Mukamagwira ntchito, abwana anu (kapena inu, ngati ndinu odzigwira nokha) amatenga ndalama za misonkho ya Medicare. Malingana ngati inu kapena mnzanu mumagwira ntchito kwa zaka 10 mumalipira misonkho ya Medicare, mumalandira Medicare Part A popanda chiwongola dzanja mukakhala ndi zaka 65.

Izi sizikutanthauza kuti inu kapena wokondedwa wanu mutha kupita kuchipatala ndikulandila chisamaliro chaulere. Gawo Lachipatala A limafuna kuti mulipire kuchotsera kuchipatala chanu. Kwa 2021, iyi ndi $ 1,484 nthawi iliyonse yopindulitsa.

Ngati simukuyenerera kulandira Gawo A laulere, mutha kugulabe Gawo A. Kwa 2021, ndalama zoyambira mwezi uliwonse za Gawo A ndi $ 471 ngati mwagwira ntchito yochepera makumi atatu. Mukalipira misonkho ya Medicare kwa magawo 30 mpaka 39, mumalipira $ 259.

Kodi pali chithandizo china chamankhwala kuchipatala?

Pali zambiri ku Medicare kuposa Gawo A - palinso magawo B, C, ndi D. Inu kapena wokondedwa simuyenera kugwiritsa ntchito gawo lina lililonse. Amachita chilichonse pamwezi. Zitsanzo zamautumiki omwe amapezeka pansi pa izi ndi awa:

• Gawo B. Medicare Part B imalipira zolipira pamaulendo azachipatala, zida zamankhwala, kuyezetsa matenda, ndi zina zothandizira odwala zomwe mungafune.
• Gawo C. Medicare Part C (Medicare Advantage) imagwira ntchito zamagawo A ndi B. Zitha kuphatikizanso mankhwala akuchipatala, mano, ndi masomphenya, kutengera dongosolo lomwe mwasankha. Zambiri mwazinthuzi zimagwira ntchito kudzera mwa madokotala a "in-network" kapena kupeza kutumizidwa kuchokera kwa dokotala woyang'anira wamkulu yemwe amayang'anira chisamaliro chanu.
• Gawo D. Medicare Part D imafotokoza za mankhwala omwe mwalandira. Monga gawo la Medicare B ndi C, muyenera kulipira ndalama zowonjezera. Pali mitundu ingapo yamapulani a Part D, ndipo mumagula kuchokera kwa inshuwaransi yabizinesi.

Zachidziwikire, pali ntchito zina zomwe choyambirira Medicare samafotokoza kawirikawiri. Nthawi zina, munthu amakhala ndi inshuwaransi yawokha yomwe imatha kulipira ntchitozi, kapena amalipirira mthumba. Zitsanzo ndi izi:

• opaleshoni yokongoletsa
• Mano ovekera
• magalasi amaso kapena magalasi olumikizirana nawo
• zovekera kapena mayeso a zothandizira kumva
• chisamaliro cha nthawi yayitali
• malo ambiri othandizira mano
• chisamaliro cha mapazi nthawi zonse

Ngati simukudziwa ngati ntchitoyi ili ndi mitundu yosiyanasiyana ya Medicare, mutha kuyimbira 800-MEDICARE (800-633-4227) kuti mufunse.

Ngati inu kapena wokondedwa wanu muli kuchipatala, nthawi zambiri mumakhala ndi munthu amene amakuthandizani kuyankha mafunso okhudza Medicare.

Kodi ndine woyenera ku Medicare Part A?

Ngati mukulandira zabwino za Social Security ndipo muli ndi zaka zosakwana 65, mudzangolembetsa ku Medicare magawo A ndi B mukakwanitsa zaka 65. Komabe, ngati simukupeza Social Security, muyenera kulembetsa ku Medicare.

Gawo ili m'munsiyi polembetsa koyambirira likufotokoza nthawi yomwe mungayambitsire kulembetsa kutengera msinkhu wanu.

Komabe, mutha kuyenerera Gawo A isanafike nthawi iyi ngati:

• muli ndi matenda monga matenda otsiriza a matenda a m'mimba (ESRD) kapena amyotrophic lateral sclerosis (ALS)
• adokotala amalengeza kulemala komwe kumakulepheretsani kugwira ntchito

Momwe mungalembetsere ku Medicare Part A

Pali njira zitatu zolembetsera mu Medicare Part A:

• Pitani pa intaneti ku SocialSecurity.gov ndikudina "Kulembetsa Kwa Medicare".
• Imbani foni ku Social Security office pa 800-772-1213. Ngati mukufuna TTY, imbani 800-325-0778. Ntchitoyi imatsegulidwa Lolemba mpaka Lachisanu kuyambira 7 koloko mpaka 7 koloko masana.
• Lemberani panokha kuofesi ya Social Security Office. Dinani apa kuti mupeze ofesi yakwanuko ndi ZIP code.

Kulembetsa koyamba

Mutha kuyamba kulembetsa ku Medicare miyezi itatu musanakwanitse zaka 65 (izi zikuphatikiza mwezi womwe mumakwanitsa zaka 65) mpaka miyezi itatu mutakwanitsa zaka 65. Monga mwalamulo, kufalitsa kwanu kumayamba pa Julayi 1 chaka chomwe mwalembetsa.

Kulembetsa mwapadera

Nthawi zina, mutha kulembetsa ku Medicare mochedwa. Nthawi imeneyi imadziwika kuti nthawi yolembetsa yapadera.

Mutha kukhala woyenera kulembetsa panthawiyi ngati mukanalembedwa ntchito ndi kampani yomwe inali ndi antchito opitilira 20 mukakwanitsa zaka 65 ndipo muli ndi inshuwaransi yazaumoyo kudzera pantchito yanu, mgwirizano, kapena wokwatirana naye.

Poterepa, mutha kulembetsa ku Medicare Part A mkati mwa miyezi 8 kuchokera pomwe nkhani yanu yam'mbuyomu idatha.

Kutenga

Kuyenda mdziko la Medicare kumatha kukhala kosokoneza - ngati mutangotembenuka kapena mukuyandikira zaka 65, ndi dziko latsopano kwa inu.

Mwamwayi, pali zinthu zambiri zomwe mungapeze, kuchokera pa intaneti kupita pafoni kupita kuofesi yachitetezo chanu. Ngati muli ndi funso linalake, magwero awa ndi malo abwino kuyamba.

Nkhaniyi idasinthidwa pa Novembala 19, 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.