Kodi Medicare Part B Malipiro Owonjezera Ndi Chiyani?

Zamkati

• Kodi Medicare Part B ndi chiyani?
• Kodi ndalama za Medicare Part B zowonjezera ndi ziti?
• Momwe mungapewere milandu yoonjezera ya Medicare Part B
• Kodi Medigap amalipira chindapusa cha Medicare Part B?
• Kutenga

• Madokotala omwe savomereza gawo la Medicare atha kukulipirani ndalama zokwana 15 peresenti kuposa zomwe Medicare akufuna kulipira. Ndalamayi imadziwika kuti chiwongola dzanja chowonjezera cha Medicare Part B.
• Muli ndi udindo wolipiritsa ndalama za Medicare Part B kuphatikiza pa 20% ya ndalama zomwe Medicare amavomereza zomwe mudalipira kale pantchito yanu.
• Chiwongola dzanja cha Part B sichiwerengera gawo lanu lachigawo B deductible.
• Medigap Plan F ndi Medigap Plan G onsewa amafotokoza za Medicare Part B zolipira.

Kuti mumvetsetse gawo la Gawo B, muyenera kumvetsetsa gawo la Medicare. Ntchito ya Medicare ndi mtengo womwe Medicare idavomereza kuchipatala. Opereka ovomerezeka ndi Medicare amavomereza gawo la Medicare.

Iwo omwe savomereza gawo la Medicare atha kulipiritsa ndalama zochulukirapo kuposa kuchuluka komwe kuvomerezedwa ndi Medicare pazithandizo zamankhwala. Mtengo wapamwamba kuposa ndalama zovomerezeka ndi Medicare umadziwika kuti Part B zolipiritsa.

Ngakhale milandu yambiri ya Part B itha kukulipirani ndalama zambiri, mutha kuwapewa.

Kodi Medicare Part B ndi chiyani?

Medicare Part B ndi gawo la Medicare lomwe limakhudzana ndi ntchito za odwala, monga kupita kukaonana ndi azachipatala komanso njira zodzitetezera. Medicare Part A ndi Medicare Part B ndiwo magawo awiri omwe amapanga Medicare yoyambirira.

Zina mwazinthu zomwe zimakhudzidwa ndi Gawo B ndi izi:

• Katemera wa chimfine
• Kuwonetsetsa kwa khansa ndi matenda ashuga
• ntchito zantchito zadzidzidzi
• chisamaliro chaumoyo
• ntchito zama ambulansi
• kuyezetsa labotale

Kodi ndalama za Medicare Part B zowonjezera ndi ziti?

Osati akatswiri onse azachipatala omwe amavomereza ntchito ya Medicare. Madokotala omwe amalandira ntchitoyi avomera kulandira ndalama zovomerezeka ndi Medicare ngati malipiro awo onse.

Dokotala yemwe samalandira gawo akhoza kukulipiritsani mpaka 15 peresenti kuposa kuchuluka kovomerezeka ndi Medicare. Kuchulukaku kumadziwika kuti gawo la B lowonjezera.

Mukawona dokotala, wogulitsa katundu, kapena wothandizira amene akulandira ntchito, dziwani kuti mudzangopatsidwa ndalama zokhazokha zovomerezeka ndi Medicare. Madokotala ovomerezedwa ndi Medicare amatumiza bilu ya ntchito zawo ku Medicare, m'malo mongokupatsani. Medicare imalipira 80 peresenti, ndiye mumalandira bilu ya 20% yotsalayo.

Madokotala omwe sivomerezedwa ndi Medicare atha kufunsa kuti mulipire kwathunthu kutsogolo. Mudzakhala ndi udindo wolipidwa ndi Medicare kwa 80 peresenti ya ndalama zomwe Medicare imavomereza.

Mwachitsanzo:

• Dokotala wanu amalandira ntchito. Dokotala wanu yemwe amalandira Medicare atha kulipiritsa $ 300 kukayezetsa ofesi. Dokotala wanu amatumiza ngongoleyo ku Medicare, m'malo mongokufunsani kuti mulipire ndalama zonsezo. Medicare amalipira 80 peresenti ya ndalamazo ($ 240). Dokotala wanu amatha kukutumizirani bilu ya 20% ($ 60). Chifukwa chake, mtengo wanu wonse wathumba ukhoza kukhala $ 60.
• Dokotala wanu savomereza ntchito. Ngati m'malo mwake mupita kwa dokotala yemwe savomereza gawo la Medicare, atha kukulipirani $ 345 pamayeso omwewo muofesi. Zowonjezera $ 45 ndi 15 peresenti kuposa zomwe dokotala wanu wamba amalipiritsa; ndalamayi ndi gawo B lowonjezera. M'malo motumiza ngongoleyo ku Medicare, adokotala angakufunseni kuti mulipire ndalama zonsezo kutsogolo. Zikadakhala kwa inu kuti mufotokozere za Medicare kuti zibwezeretsedwe.Kubwezera kumeneku kudzakhala kofanana ndi 80% yokha ya ndalama zovomerezeka ndi Medicare ($ 240). Poterepa, ndalama zanu zonse zakuthumba zitha kukhala $ 105.

Chiwongola dzanja cha Part B sichimawerengera gawo B deductible.

Momwe mungapewere milandu yoonjezera ya Medicare Part B

Musaganize kuti dokotala, wogulitsa katundu, kapena wothandizira amalandira Medicare. M'malo mwake, nthawi zonse funsani ngati avomera ntchito musanalembetse nthawi kapena ntchito. Ndibwino kuwunika kawiri, ngakhale ndi madotolo omwe mudawawonapo kale.

Mayiko ena apereka malamulo omwe amaletsa madokotala kulipiritsa ndalama za Medicare Part B. Izi ndi izi:

• Connecticut
• Massachusetts
• Minnesota
• New York
• Ohio
• Pennsylvania
• Rhode Island
• Vermont

Ngati mukukhala kumayiko asanu ndi atatu awa, simuyenera kuda nkhawa kuti Gawo B lipitirire ndalama mukadzawona dokotala m'boma lanu. Mutha kulipilitsabe Part B milandu yochulukirapo ngati mungalandire chithandizo chamankhwala kuchokera kwa omwe amapereka kunja kwa dziko lanu yemwe savomera.

Kodi Medigap amalipira chindapusa cha Medicare Part B?

Medigap ndi inshuwaransi yowonjezera yomwe mungafune kugula ngati muli ndi Medicare yoyambirira. Ndondomeko za Medigap zimathandizira kulipira mipata yomwe idatsalira mu Medicare yoyambirira. Izi zimaphatikizapo kuchotsera, kukopera ndalama, komanso kulipiritsa ndalama.

Mapulani awiri a Medigap omwe amafotokoza milandu yochulukirapo ya Gawo B ndi awa:

• Ndondomeko ya Medigap F. Plan F sichikupezeka kwa omwe apindula kwambiri ndi Medicare. Ngati munayamba kulandira Medicare isanafike Januware 1, 2020, mutha kugulabe Plan F. Ngati muli ndi Plan F, mutha kuyisunga.
• Ndondomeko ya Medigap G. Plan G ndi dongosolo lophatikizira lomwe limakhudza zinthu zambiri zoyambirira Medicare satero. Monga mapulani onse a Medigap, zimawononga ndalama pamwezi kuphatikiza pa gawo lanu la Part B.

Kutenga

• Ngati dokotala wanu, wogulitsa, kapena wothandizira sakuvomereza gawo la Medicare, atha kukulipirani ndalama zoposa zomwe Medicare zimavomereza kuchipatala. Kuchulukaku kumatchedwa kuti gawo B lowonjezera ndalama.
• Mutha kupewa kulipira gawo B zolipira powona okha omwe akuvomerezedwa ndi Medicare.
• Mapulani a Medigap F ndi Plan Medigap G onsewa amafotokoza zolipira za Part B. Koma mungafunikire kulipira wothandizira wanu kutsogolo ndikudikirira kubwezeredwa.