Malangizo Anu Onse a Medicare Part B

Zamkati

• Kodi Medicare Part B ndi chiyani ndipo imakhudza chiyani?
• Ndi ntchito ziti zomwe sizikupezeka ndi gawo B?
• Ndani ali woyenera Medicare Part B?
• Kodi Medicare Part B ndi ndalama zingati mu 2021?
• Mwezi uliwonse
• Zodulidwa
• Coinsurance
• Kukopera
• Ma maximums akuthumba
• Ndingalembetse liti ku Medicare Part B?
• Ndani amalembetsa?
• Ndani ayenera kulemba?
• Ndingagwiritse ntchito liti?
• Kutenga

Medicare ndi pulogalamu ya inshuwaransi yazaumoyo ya iwo omwe ali ndi zaka 65 kapena kupitilira apo komanso magulu ena. Amakhala ndi magawo angapo, limodzi mwa magawo ake ndi Gawo B.

Medicare Part B ndi gawo la Medicare lomwe limapereka inshuwaransi yamankhwala. Mutha kuyigwiritsa ntchito kuphimba ntchito zosiyanasiyana za odwala. Pitilizani kuwerenga kuti mudziwe zambiri za Gawo B, kuphatikiza zomwe zimafotokoza, mtengo wake, komanso nthawi yolembetsa.

Kodi Medicare Part B ndi chiyani ndipo imakhudza chiyani?

Pamodzi ndi Gawo A, Gawo B limapanga zomwe zimatchedwa choyambirira Medicare. Akuyerekeza kuti kumapeto kwa 2016, 67 peresenti ya anthu omwe amagwiritsa ntchito Medicare adalembetsa ku Medicare yoyambirira.

Gawo B limafotokoza zosiyanasiyana zamankhwala zofunika kuchipatala. Ntchito imatsimikiziridwa kuti ndi yofunikira pamankhwala ngati ikufunika kuti mupeze matenda kapena matenda.

Zitsanzo zina zantchito zomwe zakhudzidwa ndi Gawo B ndi:

• mayendedwe azadzidzidzi
• chemotherapy
• zida zachipatala zolimba monga ma wheelchair, walkers, ndi zida za oxygen
• chisamaliro cha chipinda chadzidzidzi
• dialysis ya impso
• kuyezetsa labotale, monga kuyezetsa magazi komanso kukodza m'madzi
• chithandizo pantchito
• mayesero ena, monga kuyesa zojambula ndi ma echocardiograms
• kuchipatala kuchipatala komanso chisamaliro chaumoyo
• chithandizo chamankhwala
• kuziika

Gawo B limanenanso zodzitetezera. Zitsanzo ndi izi:

• kuyeza kwa mafupa
• Kuwonetsedwa kwa khansa ngati komwe kumachitika chifukwa cha khansa ya m'mawere, yam'mimba, komanso ya prostate
• kuwunika kwamatenda amtima
• Kuyeza matenda ashuga
• Kuwonetsa matenda a hepatitis B, hepatitis C, ndi HIV
• kuyezetsa matenda opatsirana pogonana
• Katemera wa chimfine, hepatitis B, ndi matenda a pneumococcal

Ndi ntchito ziti zomwe sizikupezeka ndi gawo B?

Pali ntchito zina zomwe sizinakhudzidwe ndi Gawo B. Ngati mukufuna mautumikiwa, muyenera kuwalipira mthumba. Zitsanzo zina mwa izi ndi izi:

• kuyezetsa thupi nthawi zonse
• mankhwala ambiri akuchipatala
• Kusamalira mano, kuphatikizapo mano
• chisamaliro chambiri, kuphatikiza magalasi amaso kapena magalasi olumikizirana
• zothandizira kumva
• chisamaliro cha nthawi yayitali
• opaleshoni yokongoletsa
• chithandizo chamankhwala china monga kutema mphini ndi kutikita minofu

Ngati mungafune kulandira mankhwala akuchipatala, mutha kugula dongosolo la Medicare Part D. Mapulani a Part D amaperekedwa ndi makampani a inshuwaransi apadera ndipo amaphatikizira mankhwala ambiri akuchipatala.

Kuphatikiza apo, malingaliro a Medicare Part C (Medicare Advantage) akuphatikiza ntchito zonse zomwe zimayang'aniridwa ndi Medicare yoyambirira komanso ntchito zina monga mano, masomphenya, komanso mapulogalamu olimbitsa thupi. Ngati mukudziwa kuti mufunika mautumikiwa pafupipafupi, ganizirani dongosolo la Gawo C.

Ndani ali woyenera Medicare Part B?

Nthawi zambiri, maguluwa amayenera kulandira Gawo B:

• azaka 65 kapena kupitirirapo
• anthu olumala
• anthu omwe ali ndi matenda amphongo kumapeto (ESRD)

Munthu ayenera kulandira gawo laulere la A kuti ayenerere kulandira Gawo B akayamba kulembetsa ku Medicare. Chifukwa chakuti anthu nthawi zambiri amalipira misonkho ya Medicare pomwe akugwira ntchito, anthu ambiri amakhala oyenera kulandira Gawo A lopanda malipiro ndipo amathanso kulembetsa Gawo B akamakhala oyenera ku Medicare.

Ngati mukufuna kugula Gawo A, mutha kulembetsabe Gawo B. Komabe, muyenera kukwaniritsa izi:

• khalani azaka 65 kapena kupitilira apo
• kukhala wokhala ku United States, kaya ndi nzika kapena wovomerezeka mwalamulo kwa zaka zosachepera 5

Kodi Medicare Part B ndi ndalama zingati mu 2021?

Tsopano tiyeni tiwone mtengo uliwonse wogwirizana ndi Gawo B mu 2021.

Mwezi uliwonse

Kulipira kwanu pamwezi ndi zomwe mumalipira mwezi uliwonse kuti mupeze gawo B. Kwa 2021, muyezo woyenera wa Gawo B pamwezi ndi $ 148.50.

Anthu omwe amapeza ndalama zambiri pachaka amatha kulipira ndalama zowonjezera mwezi uliwonse. Ndalama zanu zapachaka zimatsimikiziridwa kutengera msonkho wanu wazaka ziwiri zapitazo. Chifukwa chake 2021, iyi ikhala msonkho wanu wa 2019.

Palinso chilango cholembetsa mochedwa chomwe chingakhudze gawo lanu loyamba la Gawo B mwezi uliwonse. Mulipira izi ngati simunalembetse mu Gawo B pomwe munali oyenerera.

Mukayenera kulipira chindapusa cholembetsa, ndalama zanu pamwezi zimatha kukwera mpaka 10% ya mtengo woyenera pamiyezi 12 iliyonse yomwe munali oyenera Gawo B koma simunalembetse. Mulipira izi bola ngati mwalembetsa mu Gawo B.

Zodulidwa

Chotsalira ndichomwe muyenera kulipira mthumba Gawo B lisanayambire ntchito. Kwa 2021, deductible ya Part B ndi $ 203.

Coinsurance

Coinsurance ndiye kuchuluka kwa mtengo wantchito yomwe mumalipira mthumba mukakumana ndi deductible yanu. Izi ndizopitirira 20 peresenti ya Gawo B.

Kukopera

Copay ndi ndalama zomwe mumalipira kuti mugwire ntchito. Ma kopi samalumikizidwa ndi Gawo B. Komabe, pali zina zomwe mungafunike kulipira imodzi. Chitsanzo ndi ngati mumagwiritsa ntchito othandizira odwala kuchipatala.

Ma maximums akuthumba

Kutalikirana kwa thumba ndi malire pamomwe mudzayenera kulipira m'thumba pazantchito zokutidwa mchaka. Medicare Yoyamba ilibe mthumba.

Ndingalembetse liti ku Medicare Part B?

Anthu ena amalembetsa ku Medicare yoyambirira pomwe ena adzafunika kulembetsa. Tiyeni tione izi mopitirira.

Ndani amalembetsa?

Magulu omwe amalembetsa ku Medicare yoyambirira ndi awa:

• iwo omwe ali ndi zaka 65 ndipo alandila kale ndalama zochoka pantchito kuchokera ku Social Security Administration (SSA) kapena Railroad Retirement Board (RRB)
• anthu ochepera zaka 65 ndi olumala omwe akhala akulandila phindu lochokera ku SSA kapena RRB kwa miyezi 24
• anthu omwe ali ndi amyotrophic lateral sclerosis (ALS) omwe akupeza zopunduka

Ndikofunika kuzindikira kuti ngakhale mutangolembetsa, Gawo B ndi lodzifunira. Mutha kusankha kuchedwetsa Gawo B ngati mungafune. Zomwe zitha kuchitika ndi izi ngati mudaphimbidwa kale ndi dongosolo lina kudzera muntchito kapena mnzanu.

Ndani ayenera kulemba?

Kumbukirani kuti si onse omwe ali oyenerera kulandira Medicare yoyambirira omwe angalembetsedwe. Ena adzafunika kulemba kudzera ku ofesi ya SSA:

• Iwo omwe ali ndi zaka 65 ndipo sanalandire ndalama zopuma pantchito kuchokera ku SSA kapena RRB atha kulembetsa miyezi itatu asanakwanitse zaka 65.
• Anthu omwe ali ndi ESRD amatha kulembetsa nthawi iliyonse - pomwe kufalitsa kwanu kungayambike mosiyanasiyana.

Ndingagwiritse ntchito liti?

• Nthawi yoyamba kulembetsa. Ili ndi zenera la miyezi 7 kuzungulira tsiku lanu lobadwa la 65 pomwe mutha kulembetsa ku Medicare. Imayamba miyezi itatu mwezi wanu wobadwa usanachitike, umaphatikizapo mwezi wakubadwa kwanu, ndipo imafikira miyezi itatu mutabadwa. Munthawi imeneyi, mutha kulembetsa magawo onse a Medicare popanda chindapusa.
• Nthawi yolembetsa yotseguka (Okutobala 15 – Disembala 7). Munthawi imeneyi, mutha kusintha kuchokera ku Medicare yoyambirira (gawo A ndi B) kupita ku Gawo C (Medicare Advantage), kapena kuchokera ku Gawo C kubwerera ku Medicare yoyambirira. Muthanso kusintha mapulani a Gawo C kapena kuwonjezera, kuchotsa, kapena kusintha dongosolo la Gawo D.
• Nthawi yolembetsa (1 Januware-Marichi 31). Mutha kulembetsa ku Medicare panthawiyi ngati simunalembetse nthawi yanu yoyamba kulembetsa.
  • Nthawi yolembetsa yapadera. Ngati mwachedwetsa kulembetsa ku Medicare pazifukwa zomveka, mutha kulembetsa pambuyo pake munthawi yolembetsa. Muli ndi miyezi 8 kuyambira kumapeto kwa nkhani yanu kapena kumapeto kwa ntchito yanu kuti mulembe popanda chindapusa.

Kutenga

Medicare Part B ndi gawo la Medicare lomwe limafotokoza zofunikira pazachipatala. Ikufotokozanso zopewera. Ndi gawo la Medicare yoyambirira

Anthu omwe ali ndi zaka 65 kapena kupitilira apo, ali ndi chilema, kapena ESRD ali oyenera Gawo B. Mtengo wa gawo B umaphatikizapo malipiro apamwezi, kuchotsera ndalama, ndi ndalama zandalama kapena copay. Ntchito zina sizinakhudzidwe ndi Gawo B ndipo zimayenera kulipiridwa mthumba.

Anthu ambiri amalembetsa ku Medicare yoyambirira. Ena adzayenera kulemba kudzera mu SSA. Kwa anthuwa, ndikofunikira kulabadira nthawi yomwe ophunzira adzalembetsedwe.

Nkhaniyi idasinthidwa pa Novembala 16, 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.