Medicare Part A vs. Medicare Part B: Pali kusiyana kotani?

Zamkati

• Kodi Medicare Part A ndi chiyani?
• Kuyenerera
• Mtengo
• Medicare Part A premium mu 2021
• Medicare Part A kuchipatala ndalama
• Zinthu zina zoti mudziwe
• Kodi Medicare Part B ndi chiyani?
• Kuyenerera
• Mtengo
• Zinthu zina zoti mudziwe
• Chidule cha kusiyana kwa Gawo A ndi Gawo B
• Nthawi zolembetsa za Medicare Part A ndi Part B
• Kutenga

Medicare Part A ndi Medicare Part B ndi mbali ziwiri zachitetezo chaumoyo zomwe Centers for Medicare & Medicaid Services zimapereka.

Gawo A limafotokozeredwa kuchipatala, pomwe Gawo B ndilofunika kwambiri pamaulendo azachipatala komanso mbali zina zamankhwala azachipatala. Mapulaniwa satsutsana nawo, koma amayenera kuti azithandizana kuti apereke chithandizo chamankhwala kuofesi ndi kuchipatala.

Kodi Medicare Part A ndi chiyani?

Medicare Gawo A limafotokoza mbali zingapo zamankhwala zomwe zingaphatikizepo izi:

• chisamaliro chakanthawi kochepa kumalo osamalira anthu okalamba
• chithandizo chamankhwala chochepa kunyumba
• chisamaliro cha odwala
• chisamaliro cha odwala kuchipatala

Pachifukwa ichi, anthu nthawi zambiri amawatcha kuti chipatala cha Medicare Part A.

Kuyenerera

Kuti mukwaniritse kuyenera kwa Medicare Part A, muyenera kukwaniritsa izi:

• khalani azaka 65 kapena kupitilira apo
• Ali ndi chilema monga dokotala adanenera ndipo amalandila phindu la Social Security kwa miyezi yosachepera 24
• ali ndi matenda otupa am'magazi
• ali ndi amyotrophic lateral sclerosis (ALS), yotchedwanso matenda a Lou Gehrig

Kaya mungalandire Gawo A popanda chiwongola dzanja zimadalira mbiri yanu (kapena ya mnzanu) yantchito.

Mtengo

Anthu ambiri omwe amayenera kulandira Medicare salipira Gawo A. Izi ndizowona ngati inu kapena mnzanu mumagwira ntchito pafupifupi 40 kotala (pafupifupi zaka 10) kulipira misonkho ya Medicare. Ngakhale simunagwire ntchito yokwanira 40 kotala, mutha kulipira ndalama zoyambira pamwezi pa Medicare Part A.

Medicare Part A premium mu 2021

Kuphatikiza pa mtengo wamtengo wapatali (womwe ndi $ 0 kwa anthu ambiri), pali ndalama zina malinga ndi kuchotseredwa (zomwe muyenera kulipira Medicare isanapereke) ndi chitsimikizo cha ndalama (mumalipira gawo ndipo Medicare amalipira gawo). Kwa 2021, ndalamazi zikuphatikiza:

Medicare Part A kuchipatala ndalama

Masiku opitilira kuchipatala odwala 91 kapena kupitilira apo amaonedwa kuti ndi masiku osungira moyo wonse. Mumalandira masiku 60 osungitsa nthawi yoti muzigwiritsa ntchito pamoyo wanu. Mukapitilira masiku ano, ndiye kuti mudzakhala ndiudindo pazolipira zonse mukatha tsiku 91.

Nthawi yopindulitsa imayamba mukakhala wodwala ndipo imathera pomwe simunalandire chithandizo chamankhwala kwa masiku 60 motsatizana.

Izi ndi zomwe mudzalipira mu gawo A ndalama zolipirira kuchipatala mu 2021:

Zinthu zina zoti mudziwe

Mukafuna thandizo kuchipatala, kubwezeredwa ndalama kwa Medicare nthawi zambiri kumadalira ngati dokotala akunena kuti ndinu wodwala kapena "woyang'aniridwa." Ngati simunalandilidwe ku chipatala, Medicare Part A silingakwaniritse ntchitoyi (ngakhale Medicare Part B itha).

Palinso mbali zina za chisamaliro cha kuchipatala zomwe Medicare Part A sichitchula. Izi zikuphatikiza ma painti atatu oyamba amwazi, chisamaliro chapayekha, ndi chipinda chapadera. Medicare Part A imalipira chipinda chapadera, koma ngati zipinda zapadera ndizoperekedwa kuchipatala, Medicare nthawi zambiri imawabwezera.

Kodi Medicare Part B ndi chiyani?

Medicare Part B imakhudza kuyendera kwa madotolo, chithandizo chamankhwala akunja, zida zolimba zamankhwala, ndipo, nthawi zina, mankhwala akuchipatala. Anthu ena amatchedwanso "inshuwaransi yamankhwala."

Kuyenerera

Kuti mukhale woyenera ku Medicare Part B, muyenera kukhala wazaka 65 kapena kupitilira apo komanso nzika yaku U.S. Iwo omwe akhala mwalamulo komanso kwamuyaya ku United States kwazaka zosachepera 5 motsatizana amathanso kulandira Medicare Part B.

Mtengo

Mtengo wa Gawo B umadalira nthawi yomwe mudalembetsa ku Medicare ndi momwe mumalandirira. Ngati munalembetsa ku Medicare panthawi yolembetsa ndipo ndalama zanu sizinapitirire $ 88,000 mu 2019, mudzalipira $ 148.50 pamwezi pa Medicare Part B yanu yoyamba mu 2021.

Komabe, ngati mupanga $ 500,000 kapena kupitirirapo kapena kupitirira $ 750,000 ngati banja likulemba limodzi, mudzalipira $ 504.90 pamwezi pa gawo lanu la Part B mu 2021.

Ngati mulandila zabwino kuchokera ku Social Security, Railroad Retirement Board, kapena Office of Personnel Management, mabungwewa amatenga Medicare deductible asanakutumizireni zabwino zanu.

Deductible yapachaka ya 2021 ndi $ 203.

Ngati simulembetsa ku Medicare Part B munthawi yanu yolembetsa (nthawi zambiri mukamakwanitsa zaka 65), mumayenera kulipira chindapusa pamwezi.

Mukakumana ndi kuchotsedwa kwa Medicare Part B, mumalipira 20% ya ndalama zovomerezeka ndi Medicare pomwe Medicare amalipira 80% yotsalayo.

Zinthu zina zoti mudziwe

Ndizotheka kuti mutha kukhala wodwala kuchipatala ndikukhala ndi Medicare Part A ndi Part B kulipira pazomwe mukukhala. Mwachitsanzo, ena mwa madotolo kapena akatswiri omwe amakuwonani kuchipatala atha kubwezeredwa kudzera mu Medicare Part B. Komabe, Medicare Part A ipereka ndalama zakukhala kwanu komanso ndalama zokhudzana ndi kuchipatala koyenera.

Chidule cha kusiyana kwa Gawo A ndi Gawo B

Pansipa mupeza tebulo lomwe limafotokoza mwachidule kusiyana kwakukulu pakati pa Gawo A ndi Gawo B:

Nthawi zolembetsa za Medicare Part A ndi Part B

Ngati inu kapena wokondedwa wanu mulembetsa ku Medicare posachedwa (kapena kusintha mapulani), musaphonye masiku omaliza awa:

• Nthawi yoyamba kulembetsa: miyezi 3 isanakwane 65 tsiku lobadwa, mwezi wakubadwa kwanu, ndi miyezi 3 mutabadwa 65
• Kulembetsa wamba: Januware 1 mpaka Marichi 31 ku Medicare Part B ngati simunalembetse panthawi yanu yoyamba kulembetsa
• Kulembetsa: Ogasiti 15 mpaka Disembala 7 kulembetsa kapena kusintha kwa Medicare Advantage ndi Part D

Kutenga

Medicare Part A ndi Medicare Part B ndi magawo awiri a Medicare oyambilira omwe onse pamodzi amathandizira kuthana ndi zosowa zanu zothandizira pothandizira kulipira kuchipatala ndi ndalama zamankhwala.

Kulembetsa mapulaniwa munthawi yake (miyezi itatu isanakwane miyezi itatu mutakwanitsa zaka 65) ndikofunikira kuti mapulaniwo akhale otsika mtengo momwe angathere.

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.