Kodi Medicare ndi Chiyani? Chilichonse Chimene Muyenera Kudziwa Zokhudza Zomangamanga za Medicare

Zamkati

• Medicare ndi chiyani?
• Medicare Gawo A
• Medicare Gawo B
• Medicare Gawo C
• Gawo la Medicare D.
• Kusinkhasinkha
• Kodi Medicare imaphimba chiyani?
• Gawo A Kuphunzira
• Chigawo B kufotokozera
• Kufotokozera gawo C
• Chigawo D kufotokozera
• Kuphunzira kwa Medigap
• Kuyenerera kwa Medicare
• Kulembetsa ku Medicare
• Kodi ndalamazo zimakhala zotani?
• Gawo A mtengo
• Gawo B ndalama
• Gawo C ndalama
• Gawo D ndalama
• Mitengo ya Medigap
• Kodi pali kusiyana kotani pakati pa Medicare ndi Medicaid?
• Kutenga

• Medicare ndi njira ya inshuwaransi yazaumoyo yomwe imapezeka kwa anthu azaka 65 kapena kupitilira apo komanso omwe ali ndi matenda ena kapena olumala.
• ChoyambiriraMedicare (gawo A ndi B) limafotokoza zambiri pazachipatala komanso zosowa zamankhwala.
• Mbali zina zaMedicare (Gawo C, Gawo D, ndi Medigap) ndi mapulani a inshuwaransi omwe amapereka maubwino ndi ntchito zina.
• Ndalama za Medicare mwezi ndi chaka zimaphatikizapo ndalama zoyambira, zochotseredwa, zolipiritsa, komanso chitsimikizo cha ndalama.

Medicare ndi njira yothandizira inshuwaransi yothandizidwa ndi boma yomwe imapezeka kwa anthu aku America omwe ali ndi zaka 65 kapena kupitilira apo komanso omwe ali ndi thanzi labwino komanso olumala. Pali njira zingapo zomwe mungapezere pofotokoza za Medicare, chifukwa chake ndikofunikira kuti mumvetsetse mtundu uliwonse wamaphunziro omwe angakupatseni.

Munkhaniyi, tifufuza zonse zomwe zingadziwe pazoyambira za Medicare, kuyambira kufalitsa, mtengo, kulembetsa, ndi zina zambiri.

Medicare ndi chiyani?

Medicare ndi pulogalamu yothandizidwa ndi boma yomwe imapereka inshuwaransi yazaumoyo kwa anthu aku America omwe ali azaka 65 kapena kupitilira apo. Anthu ena omwe ali ochepera zaka 65 ndipo ali ndi thanzi labwino kapena olumala atha kukhala oyenera kulandira chithandizo cha Medicare.

Medicare ili ndi "magawo" angapo omwe mungalembetse nawo mitundu ingapo yothandizira zaumoyo.

Medicare Gawo A

Medicare Part A, yomwe imadziwikanso kuti inshuwaransi ya chipatala, imakhudza ntchito zomwe mumalandira mukalandiridwa kuchipatala kapena malo ena azachipatala. Pali deductible yokomera komanso ndalama zolipirira ndalama. Muyeneranso kulipira ndalama zowonjezera gawo la A, kutengera mtundu wa ndalama zanu.

Medicare Gawo B

Medicare Part B, yomwe imadziwikanso kuti inshuwaransi ya zamankhwala, imafotokoza zithandizo zakuchipatala zothandizira, kuwunika, ndi chithandizo chamankhwala zokhudzana ndi thanzi lanu. Pali kuchotsera kwapachaka komanso kulipiritsa pamwezi pamwezi, komanso ndalama zolipirira ndalama.

Pamodzi, gawo la Medicare A ndi B limadziwika kuti "Medicare yoyambirira."

Medicare Gawo C

Medicare Part C, yomwe imadziwikanso kuti Medicare Advantage, ndi inshuwaransi yachinsinsi yomwe imakhudza ntchito zonse za Medicare Part A ndi Part B. Mapulogalamu ambiri a Medicare Advantage amaperekanso zowonjezera zowonjezera zamankhwala, masomphenya, mano, kumva, ndi zina zambiri. Mutha kulipira ndalama zolipirira pamwezi ndi zolipira pamalingaliro awa, ngakhale aliyense ali ndi mtengo wosiyanasiyana.

Gawo la Medicare D.

Medicare Part D, yomwe imadziwikanso kuti mankhwala omwe mumalandira, imatha kuwonjezeredwa pa Medicare yoyambirira ndipo imakuthandizani kulipirira zina mwa mankhwala omwe mumalandira. Mulipira deductible yapadera komanso ndalama zoyambirira pa pulani iyi.

Kusinkhasinkha

Medigap, yomwe imadziwikanso kuti Medicare supplemental inshuwaransi, imathanso kuwonjezeredwa ku Medicare yoyambirira ndipo imakuthandizani kulipirira zina mwa zomwe mumalipira Medicare. Mulipira payokha payekhapayekha.

Kodi Medicare imaphimba chiyani?

Kuphunzira kwanu kwa Medicare kumatengera magawo omwe mwalembedwera Medicare.

Gawo A Kuphunzira

Medicare Part A imafotokoza zambiri pazipatala, kuphatikizapo:

• chisamaliro cha kuchipatala
• chisamaliro cha inpatient rehab
• chisamaliro cha odwala matenda opatsirana
• chisamaliro chochepa chothandizira okalamba
• chithandizo chamankhwala chochepa kunyumba
• chisamaliro cha odwala

Medicare Part A siyikupereka chithandizo chamankhwala kuchipatala, monga kuyendera zipinda zamwadzidzidzi zomwe sizimapangitsa kuti ogonekedwa. M'malo mwake, ntchito zachipatala zakunja zimayikidwa pansi pa Medicare Part B.

Gawo A silikukhudzana ndi zinthu zambiri m'zipinda zachipatala, chisamaliro chapayekha ndi zosunga, kapena chisamaliro cha nthawi yayitali.

Chigawo B kufotokozera

Medicare Part B imafunikira zithandizo zakuchipatala zodziwikiratu, zithandizo, komanso chithandizo chamankhwala, kuphatikiza:

• ntchito zodzitetezera
• mayendedwe azadzidzidzi
• ntchito zowunikira, monga kuyesa magazi kapena X-ray
• chithandizo ndi mankhwala operekedwa ndi akatswiri azaumoyo
• zida zamankhwala zolimba
• ntchito zofufuza zachipatala
• chithandizo chamankhwala cham'maganizo

Medicare Part B imafotokoza ntchito zingapo zodzitetezera, kuyambira kuwunika matenda mpaka kuyezetsa matenda amisala. Amakhudzanso katemera wina, kuphatikizapo wa chimfine, hepatitis B, ndi chibayo.

Gawo B silikunena za mankhwala omwe amalandira ndipo limangopereka mankhwala ochepa.

Kufotokozera gawo C

Medicare Part C imafotokoza zonse pansi pa choyambirira cha Medicare Part A ndi Part B. Madongosolo ambiri a Medicare Part C amatchulanso:

• mankhwala osokoneza bongo
• ntchito zamano
• ntchito zowonera
• misonkhano yakumvetsera
• mapulogalamu olimbitsa thupi komanso umembala wa masewera olimbitsa thupi
• zina zowonjezera zaumoyo

Sizinthu zonse za Medicare Advantage zomwe zimafotokoza ntchito zomwe zili pamwambapa, chifukwa chake ndikofunikira kufananiza zomwe mungasankhe mukamagula njira yabwino kwambiri ya Medicare Advantage.

Chigawo D kufotokozera

Medicare Part D imafotokoza za mankhwala omwe mwalandira. Dongosolo lililonse la mankhwala a Medicare limakhala ndi formulary, kapena mndandanda wa mankhwala ovomerezeka omwe amaphimbidwa. The formulary iyenera kukhala ndi mankhwala osachepera awiri pagulu lililonse la mankhwala, komanso:

• mankhwala a khansa
• anticonvulsants
• mankhwala opatsirana pogonana
• mankhwala opatsirana
• Mankhwala a HIV / AIDS
• mankhwala osokoneza bongo

Pali mankhwala ena omwe simunaphatikizidwe ndi Gawo D, monga omwe amagwiritsidwa ntchito pochiza matenda osokoneza bongo kapena mankhwala owonjezera.

Ndondomeko iliyonse yamankhwala yomwe muli ndi mankhwala ili ndi malamulo ake, chifukwa chake ndikofunikira kuganizira izi poyerekeza mapulani.

Kuphunzira kwa Medigap

Pali madongosolo 10 osiyanasiyana a Medigap omwe mungagule kudzera m'makampani a inshuwaransi apadera. Mapulani a Medigap amathandizira kulipira ndalama zotulutsira mthumba zogwirizana ndi ntchito zanu za Medicare, zomwe zingaphatikizepo:

• Gawo A deductible
• Gawo A chitsimikizo cha ndalama komanso kuchipatala
• Gawo A chitsimikizo cha kuchipatala kapena ndalama zolipira
• Gawo B deductible komanso mwezi uliwonse
• Gawo B ndalama zowonongera ndalama kapena zolipira
• Chiwongola dzanja cha Part B
• kuikidwa magazi (mapiritsi atatu oyamba)
• maluso aubwino wothandizira okalamba
• ndalama zamankhwala poyenda kunja kwa United States

Ndikofunika kudziwa kuti mapulani a Medigap samapereka zowonjezera zowonjezera za Medicare. M'malo mwake, amangothandiza pazomwe zimayenderana ndi mapulani a Medicare omwe mudalembetsa.

Kuyenerera kwa Medicare

Anthu ambiri ali ndi mwayi woyamba kulembetsa ku Medicare yoyambirira miyezi itatu asanakwanitse zaka 65. Komabe, pali zochitika zina pomwe mungakhale oyenera kulandira chithandizo cha Medicare msinkhu uliwonse. Izi ndi monga:

• Zolemala zina. Ngati mumalandira zabwino mwezi uliwonse kudzera mu Social Security Administration kapena Railroad Retirement Board (RRB), ndiye kuti mukuyenera kulandira Medicare pambuyo pa miyezi 24.
• Amyotrophic lateral sclerosis (ALS). Ngati muli ndi ALS ndipo mumalandira zabwino za Social Security kapena RRB, ndiye kuti mukuyenera kulandira Medicare kuyambira mwezi woyamba.
• Mapeto a matenda a impso (ESRD). Ngati muli ndi ESRD, ndiye kuti mukuyenera kulembetsa ku Medicare.

Mukalembetsa ku Medicare magawo A ndi B, aku America oyenerera atha kulembetsa dongosolo la Medicare Advantage.

Kulembetsa ku Medicare

Anthu ambiri omwe akuyenera kulandira chithandizo cha Medicare ayenera kulembetsa munthawi yolembetsa. Nthawi ndi masiku omaliza olembetsa ku Medicare ndi awa:

• Kulembetsa koyamba. Izi zimaphatikizapo miyezi itatu isanafike, mwezi wa, ndi miyezi itatu mutakwanitsa zaka 65.
• Kulembetsa wamba. Izi zikuchokera pa Januware 1 mpaka Marichi 31 ngati mwaphonya nthawi yoyamba kulembetsa. Komabe, ndalama zolembetsa mochedwa zingagwire ntchito.
• Kulembetsa mwapadera. Izi ndizotheka kwa miyezi ingapo kutengera chifukwa chomwe mungakwaniritsire.
• Kulembetsa kwa Medigap. Izi zikuphatikiza miyezi 6 mutakwanitsa zaka 65.
• Kulembetsa kwa Medicare Part D. Izi kuyambira pa Epulo 1 mpaka Juni 30 ngati mwaphonya nthawi yanu yoyamba kulembetsa.
• Tsegulani olembetsa. Mutha kusintha kusintha kwanu kuyambira pa Okutobala 15 mpaka Disembala 7 chaka chilichonse ngati mukufuna kulembetsa, kusiya, kapena kusintha dongosolo la Medicare.

Mudzalembetsedwa ku Medicare gawo A ndi B ngati:

• mukukhala ndi zaka 65 mkati mwa miyezi inayi ndipo mwakhala mukulandira zopunduka
• simukufika zaka 65 koma mwakhala mukulandira zopindulitsa kwa miyezi 24
• simukutenga zaka 65 koma mwapezeka ndi ALS kapena ESRD

Kwa anthu omwe samangolembetsa ku Medicare, muyenera kulembetsa kudzera pa tsamba la Social Security. Ngati simulembetsa nthawi yolembetsa, pali zilango zolembetsa mochedwa.

Kodi ndalamazo zimakhala zotani?

Ndalama zanu za Medicare zimadalira mtundu wamtundu wanji womwe muli nawo.

Gawo A mtengo

Medicare Part A mtengo umaphatikizapo:

• Gawo A umafunika: kutsika mpaka $ 0 (Gawo lopanda premium) kapena $ 471 pamwezi, kutengera momwe inu kapena mnzanu wagwirira ntchito nthawi yayitali
• Gawo A deductible: $ 1,484 pa nthawi yopindulitsa
• Gawo A chitsimikizo: kuyambira $ 0 mpaka mtengo wathunthu wantchito kutengera kutalika kwa nthawi yomwe mukukhala

Gawo B ndalama

Mtengo wa Medicare Part B umaphatikizapo:

• Gawo B premium: kuyambira $ 148.50 pamwezi kapena kupitilira apo, kutengera zomwe mumapeza
• Gawo B deductible: $ 203 pachaka
• Gawo B chitsimikiziro: 20% ya ndalama zovomerezeka ndi Medicare zothandizidwa ndi Gawo B

Gawo C ndalama

Mukalipira ndalama zoyambirira za Medicare mukalembetsa ku Medicare Part C. Mapulani a Medicare Advantage amathanso kulipiritsa ndalama, zomwe zingaphatikizepo izi:

• kulipira pamwezi
• deductible chaka chilichonse
• Mankhwala amachotsedwa
• copayments ndi coinsurance

Ndondomeko iyi ya Medicare Advantage imatha kusiyanasiyana kutengera komwe mumakhala komanso inshuwaransi yomwe mungasankhe.

Gawo D ndalama

Mulipira payokha payokha dongosolo la Medicare Part D, komanso ndalama zolipirira mankhwala anu. Ndalama zolipirira izi zimasiyanasiyana kutengera mtundu wa mankhwala omwe mumalandira. Dongosolo lirilonse limakhala ndi mtengo wosiyanasiyana ndi mankhwala ophatikizidwa mgulu lawo.

Mitengo ya Medigap

Mulipira payokha payokha mfundo za Medigap. Komabe, kumbukirani kuti mapulani a Medigap cholinga chake ndikuthandizira kuthetsa zina mwa zoyambirira za Medicare.

Zina mwa njira zolipira ngongole yanu ya Medicare mwezi uliwonse ndi monga:

• Tsamba la Medicare, lokhala ndi debit kapena kirediti kadi
• mwa makalata, pogwiritsa ntchito cheke, dongosolo la ndalama, kapena fomu yolipira

Njira ina yolipira ngongole yanu ya Medicare imatchedwa Medicare Easy Pay. Medicare Easy Pay ndi ntchito yaulere yomwe imakupatsani mwayi wolipira ndalama zanu zapamwezi za Medicare Part A ndi Part B kudzera kubanki basi.

Ngati mwalembetsa ku Medicare magawo A ndi B, mutha kudziwa zambiri zamomwe mungalembetsere ku Medicare Easy Pay podina apa.

Kodi pali kusiyana kotani pakati pa Medicare ndi Medicaid?

Mankhwala ndi pulogalamu ya inshuwaransi yazaumoyo yomwe boma limapereka kwa anthu aku America azaka 65 kapena kupitilira apo komanso omwe ali ndi mavuto ena kapena olumala.

Mankhwala ndi pulogalamu ya inshuwaransi yothandizidwa ndi boma yomwe ikupezeka kwa aku America oyenerera omwe amalandila ndalama zochepa.

Mutha kukhala oyenera kulandira chithandizo cha Medicare ndi Medicaid. Izi zikachitika, Medicare ndiye amene adzakhale inshuwaransi yanu yayikulu ndipo Medicaid idzakhala inshuwaransi yanu yachiwiri kuti muthandizire ndalama komanso ntchito zina zomwe Medicare saziphimba.

Kuyenerera kwa Medicaid kumasankhidwa ndi boma lililonse ndipo kutengera izi:

• Chuma chonse pachaka
• kukula kwa banja
• udindo wabanja
• chilema
• Unzika

Mutha kuwona ngati mukuyenera kulandira chithandizo cha Medicaid polumikizana kapena kuchezera kuofesi yantchito yakomweko kuti mumve zambiri.

Kutenga

Medicare ndi njira yodziwika bwino ya inshuwaransi yaumoyo kwa anthu aku America omwe ali ndi zaka 65 kapena kupitilira apo kapena olumala. Medicare Part A imakhudza ntchito zachipatala, pomwe Medicare Part B imakhudza ntchito zamankhwala.

Medicare Part D imathandizira kulipira mtengo wamankhwala, ndipo dongosolo la Medigap limathandizira kubweza mtengo wa Medicare premium ndi ndalama zachitetezo. Mapulani a Medicare Advantage amapereka mwayi wazosankha zonse m'malo amodzi.

Kuti mupeze ndikulembetsa dongosolo la Medicare mdera lanu, pitani ku Medicare.gov ndikugwiritsa ntchito chida chopezeka pa intaneti.

Nkhaniyi idasinthidwa pa Novembala 18, 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.