Kumvetsetsa Kuyenera kwa Medicare Part B

Zamkati

• Kodi zofunika pakuyang'anira Medicare Part B ndi ziti?
• Muli ndi zaka 65
• Muli ndi chilema
• Muli ndi ESRD kapena ALS
• Kodi Medicare Part B imaphimba chiyani?
• Kodi pali njira zina zofananira zomwezi?
• Medicare Gawo C
• Gawo la Medicare D.
• Kusinkhasinkha
• Kutenga

Ngati mukufuna kulembetsa ku Medicare chaka chino, ndikofunikira kumvetsetsa zofunikira za Medicare Part B.

Ndiye kuti ndinu woyenera kulembetsa ku Medicare Part B mukadzakwanitsa zaka 65. Muyeneranso kulembetsa pamikhalidwe yapadera, monga ngati mukudwala matenda olumala kapena aimpso (ESRD).

Munkhaniyi, tiwona amene ali woyenera kulandira Medicare Part B, momwe angalembetsere, komanso masiku ofunikira a Medicare oti azindikire.

Kodi zofunika pakuyang'anira Medicare Part B ndi ziti?

Medicare Part B ndi inshuwaransi yazaumoyo yomwe imapezeka kwa anthu ku United States akafika zaka 65.Komabe, pali zochitika zina zapadera zomwe mungayenerere kulembetsa ku Medicare Part B asanakwanitse zaka 65.

Pansipa mupeza zofunikira pakulembetsa ku Medicare Part B.

Muli ndi zaka 65

Mukuyenerera kukhala ndi Medicare Part B mukakwanitsa zaka 65. Ngakhale muyenera kudikirira kuti mugwiritse ntchito zabwino zanu mpaka tsiku lanu lobadwa la 65, mutha kulembetsa:

• Miyezi 3 musanabadwe zaka 65
• patsiku lanu la kubadwa kwa zaka 65
• Patatha miyezi 3 mutakwanitsa zaka 65

Muli ndi chilema

Ngati muli ndi chilema ndipo mukulandira ndalama zolemala, ndinu woyenera kulembetsa ku Medicare Part B ngakhale simunakwanitse zaka 65. Malinga ndi Social Security Administration, olumala oyenerera atha kukhala:

• zovuta zamagulu
• matenda amtima ndi magazi
• m'mimba dongosolo matenda
• matenda amitsempha
• matenda amisala

Muli ndi ESRD kapena ALS

Ngati mwapatsidwa matenda a ESRD kapena amyotrophic lateral sclerosis, ndinu oyenera kulembetsa ku Medicare Part B ngakhale simunakwanitse zaka 65.

Kodi Medicare Part B imaphimba chiyani?

Medicare Part B imakhudzana ndi matenda akunja, chithandizo, komanso kupewa matenda.

Izi zikuphatikiza kuyendera kuchipinda chodzidzimutsa, komanso ntchito zodzitetezera monga maulendo a adotolo, kuyezetsa ndi kuyesa kwa diaganostic, ndi katemera wina.

Kodi pali njira zina zofananira zomwezi?

Medicare Part B ndi njira imodzi yokha yomwe ingapezeke kwa omwe adzapindule ndi Medicare. Komabe, chithandizo chabwino kwambiri kwa inu chimadalira kwathunthu momwe muliri azachipatala komanso azachuma.

Zosankha zina zomwe zingagwiritsidwe ntchito m'malo mophatikiza ndi Medicare Part B ndi izi:

• Medicare Gawo C
• Gawo la Medicare D.
• Kusinkhasinkha

Medicare Gawo C

Medicare Part C, yomwe imadziwikanso kuti Medicare Advantage, ndi njira yoperekedwa ndi makampani a inshuwaransi apadera kwa omwe adzapindule ndi Medicare.

wapeza Medicare Advantage kukhala njira yotchuka ya Medicare, ndipo pafupifupi gawo limodzi mwa magawo atatu a omwe adzapindule ndikusankha Dongosolo Lopindulitsa kuposa Chikhalidwe cha Medicare.

Kuti mulembetse ku Medicare Part C, muyenera kulembetsa kale mu gawo A ndi B.

Pansi pa pulani ya Medicare Advantage, nthawi zambiri mudzakwiriridwa ndi:

• ntchito zachipatala
• chithandizo chamankhwala
• mankhwala osokoneza bongo
• mano, masomphenya, ndi mautumiki akumva
• mautumiki ena, monga kukhala olimba

Ngati muli ndi dongosolo la Medicare Part C, limatenga malo a Medicare yoyambirira.

Gawo la Medicare D.

Medicare Part D ndizowonjezera mankhwala omwe mumalandira kwa aliyense amene walembetsa ku Medicare yoyambirira.

Ngati mukufuna kulembetsa nawo gawo la D, mufunika kuwonetsetsa kuti mutero posachedwa. Ngati simulembetsa nawo gawo C, Gawo D, kapena mankhwala ofanana nawo pakadutsa masiku 63 kuchokera pomwe mudalembetsa koyamba, mudzakumana ndi chilango chamuyaya.

Ngati mwalembetsa mu gawo C, simudzafunika Medicare Part D.

Kusinkhasinkha

Medigap ndi njira ina yowonjezera kwa aliyense amene adalembetsa ku Medicare yoyambirira. Medigap yapangidwa kuti ithandizire kulipira ndalama zomwe zimagwirizanitsidwa ndi Medicare, monga ndalama zoyambira, zochotseredwa, ndi ma copay.

Ngati mwalembetsa mu gawo C la C, simungathe kulembetsa nawo kufalitsa kwa Medigap.

Ndikofunikira kwambiri kuti musaphonye masiku aliwonse a Medicare, chifukwa izi zitha kukupangitsani kukumana ndi zilango mochedwa komanso mipata pakufalitsa kwanu. Nayi nthawi yomwe Medicare amayenera kuyang'anitsitsa:

• Kulembetsa koyambirira. Mutha kulembetsa ku Medicare Part B (ndi Gawo A) miyezi itatu isanachitike, mwezi wa, ndi miyezi itatu mutakwanitsa zaka 65.
• Kulembetsa kwa Medigap. Mutha kulembetsa mu mfundo zowonjezera za Medigap mpaka miyezi 6 mutakwanitsa zaka 65.
• Kulembetsa mochedwa. Mutha kulembetsa mu dongosolo la Medicare kapena dongosolo la Medicare Advantage kuyambira Januware 1-Marichi 31 ngati simunalembetse pomwe munali oyenerera.
• Kulembetsa kwa Medicare Part D. Mutha kulembetsa nawo gawo la D D kuyambira Epulo 1-Juni 30 ngati simunalembetse pomwe munali oyenerera.
• Konzani kulembetsa kosintha. Mutha kulembetsa, kusiya, kapena kusintha gawo lanu la C kapena Gawo D kuyambira Okutobala 15 mpaka Disembala 7, panthawi yolembetsa.
• Kulembetsa mwapadera. Mikhalidwe yapadera, mutha kuyenerera kulembetsa kwa miyezi 8.

Kutenga

Kuyenerera kwa Medicare Part B kumayambira anthu ambiri aku America ali ndi zaka 65. Ziyeneretso zapadera, monga kulemala ndi matenda ena, zingakupangitseni kukhala oyenera kulembetsa nawo gawo B koyambirira.

Ngati mukufuna kufotokozedwa kwambiri kuposa zomwe Gawo B limapereka, njira zina zowonjezera zimaphatikizapo Gawo C, Gawo D, ndi Medigap.

Ngati mukufuna kulembetsa ku Medicare kufalitsa kwamtundu uliwonse, samalani kwambiri nthawi yomwe adzalembetsedwe ndikuyendera tsamba la Social Security kuti muyambe.

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.

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