Zomwe Medicare Zimakwirira

Zamkati

• Zinthu 5 Zomwe Simungadziwe Zokhudza Medicare
• Medicare Gawo A
• Kodi Medicare Part A ndi yotani?
• Medicare Gawo B
• Kodi Medicare Part B ndi yotani?
• Medicare Gawo C
• Kodi Medicare Part C ndi yotani?
• Gawo la Medicare D.
• Kodi Medicare Part D imakhala yotani?
• Zomwe Medicare sizikuphimba
• Kutenga

Medicare ili ndi njira zazikulu zisanu zomwe zimapereka chithandizo chamankhwala kwa anthu azaka 65 kapena kupitilira apo komanso anthu olumala ndi zina zanthawi yayitali:

• Medicare Part A imapereka chithandizo choyambira kuchipatala.
• Medicare gawo B limafotokoza za chisamaliro cha odwala monga maulendo a dokotala ndi mayeso a matenda.
• Medicare Part C (Medicare Advantage) ndichinsinsi chomwe mungaphatikizire gawo la A ndi Gawo B ndikupereka zina zowonjezera.
• Medicare Part D ndikulemba mankhwala.
• Medicare supplement (Medigap) ndi inshuwaransi yaumwini yomwe imathandizira kulipira ndalama zotuluka munthumba monga ma copay, ma coinsurance, ndi zopereka.

Pankhani yazaumoyo, ndikofunikira kudziwa zomwe zaphimbidwa ndi zomwe sizikupezeka. Chifukwa pali mapulani osiyanasiyana a Medicare, zitha kukhala zosokoneza kudziwa dongosolo lomwe lingakupatseni chithandizo choyenera. Mwamwayi, pali zida zina zomwe zingakupangitseni kukhala kosavuta.

Medicare ndi pulani ya inshuwaransi yomwe boma la federal limapereka kwa anthu azaka zapakati pa 65 ndi kupitilira apo, komanso anthu olumala komanso anthu omwe ali ndi matenda amtsogolo (ESRD), mtundu wa impso.

Zinthu 5 Zomwe Simungadziwe Zokhudza Medicare

Pali magawo anayi a dongosolo la Medicare: A, B, C, ndi D. Gawo lililonse limafotokoza mbali zosiyanasiyana zamankhwala. Mutha kulembetsa gawo limodzi kapena angapo a Medicare, koma magawo omwe anthu ambiri amalembetsa ndi gawo A ndi B, lotchedwa Medicare yoyambirira. Magawo awa amakhudza ntchito zambiri. Nthawi zambiri anthu amalipira ndalama pamwezi, koma izi zimasiyanasiyana malinga ndi ndalama.

Medicare Gawo A

Medicare Part A imalipira zolipira kuchipatala mukavomerezedwa ku chipatala ndi lamulo la dokotala. Zimapindulitsa mautumiki monga:

• oyenda ndi mipando ya olumala
• chisamaliro cha odwala
• zina zothandizira kunyumba
• kuikidwa magazi

Gawo A limaperekanso chithandizo chochepa cha malo oyamwitsa aluso ngati mungakhale kuchipatala choyenera - masiku atatu motsatizana chifukwa chalamulo lolembedwera kuchipatala lolembedwa ndi dokotala wanu.

Kodi Medicare Part A ndi yotani?

Kutengera ndi zomwe mumapeza, mungafunike kulipira ndalama zoyambira kufalitsa gawo A. Ngati mwagwira ntchito ndikulipira misonkho ya FICA kwa zaka 10, simulipira gawo la Gawo A. Komabe, Muyenera kulipira ndalama kapena kuchotsera ntchito zilizonse pansi pa Medicare Part A. Mutha kulembetsa thandizo kapena kuthandizira ngati mungathe kulipira.

Malinga ndi Medicare, kuwonjezera pa kuchotsera $ 1,484, ndalama zanu mu 2021 Part A zimaphatikizapo:

• $ 0 chitsimikizo cha masiku ogona mchipatala 1-60
• $ 371 chitsimikizo patsiku masiku ogonekedwa 61-190
• $ 742 ndalama zatsiku patsiku lachipatala 91 ndi kupitirira tsiku lililonse losungira moyo
• zonse zofunika tsiku lililonse lachipatala pamasiku anu osungira moyo
• palibe chindapusa kwa masiku 20 oyambilira a chisamaliro chovomerezeka chovomerezeka
• $ 185.50 patsiku kwa masiku 21-100 a chisamaliro chovomerezeka cha malo oyamwitsa anthu ovomerezeka
• zonse zimafunikira pambuyo pa masiku 101 a chisamaliro chovomerezeka chovomerezeka
• palibe malipiro a chisamaliro cha anamwino

Kuti ntchito zachipatala zithandizidwe ndi Medicare, muyenera kuvomerezedwa ndikulandila m'malo ovomerezeka ndi Medicare.

Medicare Gawo B

Medicare Gawo B limafotokoza ntchito zamankhwala ndi chithandizo chodzitchinjiriza, monga maulendo a pachaka azachipatala ndi mayeso. Anthu nthawi zambiri amakhala ndi magawo A ndi B limodzi kuti afotokoze zambiri. Mwachitsanzo, ngati mungakhale mchipatala, ndalamazo zitha kupezeka pansi pa Medicare Part A ndipo ntchito za adotolo zithandizidwa ndi Gawo B.

Gawo B limayesa mayeso ndi ntchito zosiyanasiyana, kuphatikiza:

• kuyezetsa khansa, kukhumudwa, ndi matenda ashuga
• ambulansi ndi ntchito zantchito zadzidzidzi
• Katemera wa fuluwenza ndi chiwindi
• zipangizo zamankhwala
• matenda a shuga

Kodi Medicare Part B ndi yotani?

Zina mwazigawo za Gawo B ndizopangira $ 148.50 pamwezi; komabe, ndalama zanu zimatha kukhala zochepa kapena zochepa kutengera momwe mumalandirira.

Ntchito zina zimaphimbidwa pansi pa Medicare Part B popanda zina zowonjezera kwa inu ngati muwona dokotala yemwe amalandira Medicare. Ngati mukufuna ntchito kunja kwa zomwe Medicare ikulipira, mudzayenera kulipirira nokha.

Medicare Gawo C

Medicare Part C, yomwe imadziwikanso kuti Medicare Advantage, imagulitsidwa payokha njira zomwe mungasankhe inshuwaransi zomwe zimaphatikizapo kufotokozera komweko monga gawo A ndi B kuphatikiza phindu lina monga mapulani azamankhwala, mano, kumva, masomphenya, ndi ena. Kuti mugule dongosolo la Medicare Advantage, muyenera kulembetsa ku Medicare yoyambirira.

Kodi Medicare Part C ndi yotani?

Nthawi zambiri mumalipira ndalama zambiri pazinthu izi, ndipo mumayenera kukawona madotolo mkati mwa netiweki yanu. Kupanda kutero, zolipiritsa kapena zolipiritsa zina zitha kugwiritsidwa ntchito. Mtengo wanu wa Medicare Part C umadalira mtundu wamapulani omwe mungasankhe.

Gawo la Medicare D.

Medicare Part D ndi dongosolo lomwe limakhudza mankhwala omwe simunapatsidwe Gawo B, omwe ndi mtundu wa mankhwala omwe amafunika kuperekedwa ndi dokotala, monga kulowetsedwa kapena jakisoni. Ndondomekoyi ndiyotheka, koma anthu ambiri amasankha kukhala nayo kuti mankhwala awo aziphimbidwa.

Kodi Medicare Part D imakhala yotani?

Mtengo wa Medicare Part D umasiyana kutengera mtundu wa mankhwala omwe mumamwa, dongosolo lomwe muli nalo, ndi mankhwala omwe mungasankhe. Mudzakhala ndi ndalama zoyambira kulipira ndipo, kutengera ndalama zomwe mumapeza, mungafunikire kulipira ndalama zowonjezera. Muyeneranso kupanga ndalama zolipira kapena kulipira deductible.

Zomwe Medicare sizikuphimba

Ngakhale Medicare imasamalira chisamaliro chosiyanasiyana, sizinthu zonse zomwe zimaphimbidwa. Kusamalira mano, mayeso amaso, zothandizira kumva, kutema mphini, ndi maopaleshoni ena azodzikongoletsa sanaphimbidwe ndi Medicare yoyambirira.

Medicare sikutanthauza chisamaliro cha nthawi yayitali. Ngati mukuganiza kuti inu kapena wokondedwa wanu mufunika chisamaliro cha nthawi yayitali, lingalirani za inshuwaransi yotalikilapo.

Kutenga

• Medicare ili ndi mitundu isanu yayikulu yophimba, Gawo A, Gawo B, Gawo C, Gawo D, ndi Medigap. Zosankhazi zimapereka zosankha zambiri kuti mukwaniritse zosowa zanu zaumoyo.
• Ngakhale Medicare imagwira ntchito zambiri zamankhwala monga kuchipatala, kupita kwa adotolo, ndi mankhwala akuchipatala, pali ntchito zamankhwala zomwe sizitero.
• Medicare sikuphimba chisamaliro cha nthawi yayitali, njira zodzikongoletsera, ndi ena. Mutha kuwona chida chothandizira ku Medicare kapena kuyimbira 800-MEDICARE kuti muwone ngati ntchito inayake yaphimbidwa.

Werengani nkhaniyi m'Chisipanishi