Iyini Imali Yezingxenye Zomuthi ngo-2021?

-Delile

• Yini iMedicare Part A?
• Ingabe ikhona imali ekhokhelwa iMedicare Part A?
• I-FAQ: Ngabe udinga ukubhalisa kwi-Medicare Part B uma ubhalisa ku-Part A?
• Ingabe zikhona ezinye izindleko zeMedicare Part A?
• I-FAQ: Siyini isikhathi seNgxenye A senzuzo?
• Ukunakekelwa esibhedlela
• Ukunakekelwa kwendawo yabahlengikazi abanamakhono
• Ukunakekelwa kwezempilo ekhaya
• Ukunakekelwa kwabahlengikazi
• Ukunakekelwa kwempilo yabagula ngengqondo
• I-FAQ: Ngabe ngizokhokha inhlawulo uma ngingabhalisi ku-Part A ngokushesha nje lapho sengifanelekile?
• Yini i-Medicare Part A cover?
• Yini engahambisani ne-Part A?
• Ukuthatha

Uhlelo lwe-Medicare lwakhiwe izingxenye eziningana. I-Medicare Part A kanye ne-Medicare Part B bakha lokho okubizwa ngokuthi yi-Medicare yasekuqaleni.

Abantu abaningi abaneNgxenye A ngeke kudingeke ukuthi bakhokhe imali ekhokhelwayo. Kodwa-ke, kunezinye izindleko, ezinjengokudonswa kwemali, ama-copay kanye nokuqinisekiswa kwemali ongayikhokha uma udinga ukunakekelwa esibhedlela.

Nakhu okudingeka ukwazi ngamaphrimiyamu nezinye izindleko ezihlobene neMedicare Part A.

Yini iMedicare Part A?

I-Medicare Part A ibhekwa njengomshwalense wesibhedlela. Kuyasiza ukumboza ezinye izindleko zakho ezikhungweni ezahlukahlukene zezokwelapha nezokunakekelwa kwezempilo lapho wamukelwa njengesiguli esingalaliswayo.

Abanye abantu bazobhaliswa ngokuzenzakalela kusigaba A lapho befaneleka. Abanye kuzofanele babhalisele yona ngeSocial Security Administration (SSA).

Ingabe ikhona imali ekhokhelwa iMedicare Part A?

Iningi labantu elibhalisa ku-Part A ngeke likhokhe imali ekhokhwa njalo ngenyanga. Lokhu kubizwa ngokuthi yi-Medicare Part A.

Ama-Medicare Part A amaphrimiyamu asuselwa enanini lezindawo umuntu akhokhe intela yeMedare ngaphambi kokubhalisa kwiMedicare. Izintela ze-Medicare ziyingxenye yentela ebanjiwe eqoqwe kuyo yonke inkokhelo oyitholayo.

Uma ungasebenzi inani eliphelele lamakota angama-40 (noma iminyaka eyi-10), nakhu ukuthi inani lePrim A Part lizoba malini ngo-2021:

Uma ubhalisa kuNgxenye A, uzothola ikhadi leMedicare ngeposi. Uma unesigaba se-Part A, ikhadi lakho le-Medicare lizothi "HOSPITAL" futhi libe nosuku lapho ukumbozwa kwakho kusebenza khona. Ungasebenzisa leli khadi ukuthola noma yimaphi amasevisi ahlinzekwa yiNgxenye A.

I-FAQ: Ngabe udinga ukubhalisa kwi-Medicare Part B uma ubhalisa ku-Part A?

Lapho ubhalisa kuNgxenye A, kuzodingeka futhi ukuthi ubhalise kuNgxenye B. I-Medicare Part B ihlanganisa izinsizakalo zokunakekelwa kwezempilo ezingalalisiwe njengokuqokwa kukadokotela.

Uzokhokha imali ekhokhwayo yenyanga ehlukile yalokhu kufakwa. Inani elijwayelekile le-Part B premium ngo-2021 lingu- $ 148.50, futhi abantu abaningi abaneNgxenye B bazokhokha leli nani.

Ingabe zikhona ezinye izindleko zeMedicare Part A?

Noma ngabe ukhokha imali ekhokhwa nyangazonke ye-Medicare Part A yakho noma cha, kunezinye izindleko ezihambisana neNgxenye A futhi. Lezi zindleko zizohluka ngokuya ngezinto ezifana nohlobo lwesikhungo ovunyelwe kulo nobude bokuhlala kwakho.

Lezi zindleko ezengeziwe zokuphuma ephaketheni zingafaka:

• Okudonswayo: inani odinga ukulikhokha ngaphambi kokuthi Ingxenye A iqale ukumboza izindleko zokunakekelwa kwakho
• Amakhophi: inani elinqunyiwe okufanele ulikhokhele insizakalo
• Coinsurance: Amaphesenti owakhokhela izinsizakalo ngemuva kokuthi uhlangane nokudonswayo kwakho

I-FAQ: Siyini isikhathi seNgxenye A senzuzo?

Isikhathi sokuhlomula sifaka isicelo sokuhlala kwabangalaliswa esibhedlela, esikhungweni sempilo yengqondo, noma esikhungweni sabahlengikazi abanamakhono.

Isikhathi ngasinye somhlomulo, Ingxenye A izofinyelela ngokuphelele ezinsukwini zakho zokuqala ezingama-60 (noma ezinsukwini ezingama-20 zokuqala zesikhungo sabahlengikazi abanamakhono) ngemuva kokuthi uhlangane nokudonswayo kwakho. Ngemuva kwalesi sikhathi sokuqala, kuzodingeka ukhokhe i-coinsurance yansuku zonke.

Izinkathi zemihlomulo ziqala ngosuku owamukelwa ngalo njengolaliswa esibhedlela futhi luphela ezinsukwini ezingama-60 ngemuva kokuphuma esikhungweni. Ngeke uqale inkathi entsha yomhlomulo uze uphelelwe ukunakekelwa kweziguli okungenani izinsuku ezingama-60 ezilandelanayo.

Ukunakekelwa esibhedlela

Nakhu ukuthi ngayinye yalezi zindleko ingena kanjani esibhedlela ngo-2021:

Ukunakekelwa kwendawo yabahlengikazi abanamakhono

Izikhungo zabahlengikazi abanamakhono zinikeza ukunakekelwa kokuvuselelwa njengabahlengikazi abanekhono, ukwelashwa emsebenzini, ukwelashwa ngokomzimba, nezinye izinsiza ukusiza iziguli ukuthi zilulame ekulimaleni nasekuguleni.

I-Medicare Part A ihlanganisa izindleko zokunakekelwa esikhungweni sabahlengikazi abanamakhono; kodwa-ke, kunezindleko okufanele ukhokhe futhi. Nakhu ozokukhokhela ukuhlala esikhungweni sabahlengikazi abanamakhono ngesikhathi ngasinye senzuzo ngo-2021:

Ukunakekelwa kwezempilo ekhaya

I-Medicare Part A ihlanganisa izinsizakalo zezempilo zesikhashana zesikhashana ezimeni ezithile ezifanelekayo. I-Medicare kufanele ivume izinsizakalo zakho zezempilo zasekhaya. Uma uvunyelwe, awunakukhokha lutho ngezinsizakalo zokunakekelwa kwezempilo ekhaya.

Uma udinga noma yimiphi imishini yezokwelapha eqinile ngalesi sikhathi, njengokuhlinzekwa kokwelapha ngokomzimba, ukunakekelwa kwamanxeba, namadivayisi okusiza, ungahle ubhekane namaphesenti angama-20 ezindleko ezivunyelwe yi-Medicare zalezi zinto.

Ukunakekelwa kwabahlengikazi

Uma nje abahlinzeki obakhethayo bevunyelwe yi-Medicare, i-Medicare Part A izobhekelela ukunakekelwa kwe-hospice. Yize izinsiza ngokwazo zivame ukungabizi, kungahle kube nezimali ezithile ozodingeka uzikhokhe njenge:

• ukukhokhwa okungadluli ku- $ 5 ngomuthi ngamunye kadokotela wokuqeda izinhlungu nokulawulwa kwezimpawu uma uthola ukunakekelwa kwe-hospice ekhaya
• Amaphesenti ama-5 wemali evunyelwe yi-Medicare yokunakekelwa kokuphefumula ngaphakathi
• izindleko ezigcwele zokunakekelwa kwamakhaya asebekhulile, njengoba i-Medicare ingakhokhi ukunakekelwa kwamakhaya asebekhulile ngesikhathi se-hospice noma nganoma yisiphi esinye isikhathi

Ukunakekelwa kwempilo yabagula ngengqondo

I-Medicare Part A ihlanganisa ukunakekelwa kwempilo yabagula ngaphakathi. kodwa-ke, kukhona izindleko okungadingeka ukuthi uzikhokhe.

Isibonelo, kufanele ukhokhe amaphesenti angama-20 ezindleko ezivunyelwe yi-Medicare zezinsizakalo zezempilo yengqondo ezivela kodokotela nakubelaphi abanelayisense lapho ungeniswa esikhungweni njengesiguli esingalaliswayo.

Nakhu ukuthi indawo yokuhlala ngaphakathi yezempilo yengqondo izohlala kanjani ngo-2021:

I-FAQ: Ngabe ngizokhokha inhlawulo uma ngingabhalisi ku-Part A ngokushesha nje lapho sengifanelekile?

Uma ungafanele ukuthola Ingxenye A engena-premium futhi ukhethe ukungayithengi lapho uqala ukubhalisela i-Medicare, ungahle ube ngaphansi kwesijeziso sokubhaliswa sekwedlule isikhathi. Lokhu kungadala ukuthi iphrimiyamu yakho yanyanga zonke inyuke ize ifike kumaphesenti ayi-10 unyaka nonyaka ungabhalisi kwiMedicare Part A ngemuva kokuthi ufanelekile.

Uzokhokha le-premium ekhushulwe kabili kunani leminyaka obukade ulifanele i-Part A, kodwa awuzange uyibhalisele. Isibonelo, uma ubhalisa eminyakeni engu-3 ngemuva kokufaneleka, uzokhokha imali ekhokhwayo eyengeziwe iminyaka engu-6.

Yini i-Medicare Part A cover?

Ingxenye A ivame ukuhlanganisa lezi zinhlobo zokunakekelwa ezilandelayo:

• ukunakekelwa esibhedlela
• ukunakekelwa kwezempilo yengqondo
• ukunakekelwa kwendawo yabahlengikazi abanamakhono
• ukuvuselelwa kweziguli
• isibhedlela
• ukunakekelwa kwempilo ekhaya

Umbozwe ngaphansi kweNgxenye A kuphela uma ungeniswa esikhungweni njengesiguli esingalaliswayo (ngaphandle kwalapho kunakekelwa kwempilo ekhaya). Ngakho-ke, kubalulekile ukubuza abahlinzeki bakho bokunakekela uma ubhekwa njengesiguli esingalaliswayo noma isiguli esingalaliswayo ngosuku ngalunye lokuhlala kwakho. Ukuthi uthathwa njengomuntu olaliswa ngaphakathi noma ongalali kungathinta ukumbozwa kwakho nokuthi kufanele ukhokhe malini.

Yini engahambisani ne-Part A?

Ngokuvamile, Ingxenye A ayihlanganisi ukunakekelwa kwesikhathi eside. Ukunakekelwa kwesikhathi eside kubhekisa ekunakekelweni okungenampilo kokuphila kwansuku zonke kwabantu abakhubazekile noma abagula isikhathi eside. Isibonelo kungaba uhlobo lokunakekelwa olunikezwa endaweni yokuhlala yokusizwa.

Ngokwengeziwe, Ingxenye A ngeke ikhokhele isibhedlela esingalaliswayo noma isikhungo sempilo yengqondo sihlala ngaphezu kwezinsuku zakho zokugcina impilo. Unezinsuku zokugcina ezingama-60 sezonke ongazisebenzisa uma uyisiguli esingalapheki kwesinye salezi zikhungo ngemuva kokuba lapho izinsuku ezingama-90.

Izinsuku zokugcina impilo azigcwaliswa. Uma usuzisebenzisile zonke, ubhekene nazo zonke izindleko. Isibonelo, uma usebenzise zonke izinsuku zakho ezibekiwe ngesikhathi sezibhedlela ezingalali zangaphambilini zihlala ngaphezu kwezinsuku ezingama-90, ubhekene nazo zonke izindleko uma ukuhlala kwakho kwesiguli okulandelayo kudlula izinsuku ezingama-90.

Ukuthatha

I-Medicare Part A ihlanganisa ukuhlala kwabangalaliswayo, njengalabo basesibhedlela noma esikhungweni sabahlengikazi abanamakhono. Ngokubambisana nengxenye B, lezi zingxenye zakha iMedicare yangempela.

Iningi labantu alikhokhi imali ekhokhwa njalo ngenyanga yeNgxenye A, kodwa kunezinye izindleko ezihambisana neNgxenye A lapho kungadingeka ukuthi ukhokhe njengokudonswa kwemali, ama-copay kanye nokuqinisekisa imali.

Lo mbhalo uvuselelwe ngoNovemba 13, 2020, ukukhombisa imininingwane ye-2021 Medicare.

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.