I-Medicare Part A Coverage: Okudingeka Ukwazi ngo-2021

-Delile

• Yini iMedicare Part A?
• Yini i-Medicare Part A cover?
• Ngabe i-Medicare Part A ayimbozi ini?
• Iyini izindleko ze-Medicare Part A?
• Ingabe kukhona okunye ukufakwa kwesibhedlela seMedicare?
• Ngifanelekile ukuthola iMedicare Part A?
• Ungabhalisa kanjani kwi-Medicare Part A
• Ukubhaliswa kokuqala
• Ukubhaliswa okukhethekile
• Ukuthatha

I-Medicare wuhlelo lukazwelonke lomshuwalense wezempilo e-United States. Uma umuntu eneminyaka engama-65 noma ngaphezulu noma enezimo ezithile zezokwelapha, angathola ukufakwa kwe-Medicare.

Izikhungo zeMedicare neMedicaid Services zisebenzisa iMedicare, futhi zihlukanisa izinsizakalo zibe izingxenye A, B, C, noD.

IMedicare Part A iyasiza ukukhokha uma umuntu edinga usizo lwasesibhedlela. Uma wena noma oshade naye nisebenza futhi nakhokha intela ye-Medicare okungenani iminyaka eyishumi, ungafanelekela iMedicare Part A mahhala.

Yini iMedicare Part A?

I-Medicare Part A uhlelo lokuhlinzekwa kwesibhedlela sabantu abaneminyaka engama-65 nangaphezulu. Abadali be-Medicare babecabanga izingxenye ezifana ne-buffet.

Uzohlala uthola i-Part A, ngakho-ke uzoba nokutholakala kokuhlala esibhedlela. Uma ungenayo imishwalense yangasese futhi ufuna ukumbozwa okwengeziwe, ungakhetha kwezinye izingxenye zeMedicare.

Akudingeki ukuthi uthathe umhlalaphansi ukuze ubhalisele iMedicare Part A - kuyinzuzo ongaqala ukuyithola ngokushesha nje lapho uba neminyaka engama-65. Abantu abaningi bakhetha ukuba nomshuwalense wangasese (njengalowo ovela kumqashi) nakuMedicare.

Yini i-Medicare Part A cover?

Ngaphandle kokunye okuhlukile, iMedicare Part A ihlanganisa izinsizakalo ezilandelayo:

• Ukunakekelwa esibhedlela. Lokhu kuhlanganisa noma yikuphi ukuhlolwa noma ukwelashwa okudingayo lapho ungeniswe esibhedlela.
• Ukunakekelwa kwezempilo ekhaya okulinganiselwe. Uma udinga ukunakekelwa kumsizi wezempilo wasekhaya ngemuva kokukhishwa esibhedlela sokugula, i-Medicare izokhipha ukunakekelwa okudingekayo ngokwezempilo ngenkathi ululama.
• Ukunakekelwa kwabahlengikazi. Lapho usukhethe ukukhetha ukufuna ukunakekelwa kwe-hospice esikhundleni sokwelashwa kwesifo esibulalayo, i-Medicare izokhokha izindleko zakho eziningi zokunakekelwa kwezempilo.
• Indawo yokuhlala yabahlengikazi abanesikhathi esifushane ihlala. Uma udinga ukunakekelwa kwendawo yokunakekela abanamakhono, i-Medicare izokwemboza ukuhlala kwakho nezinsizakalo isikhathi esithile.

Ukunakekelwa kweziguli esibhedlela kufaka phakathi izinsizakalo ezifana nokudla, izinsizakalo zabahlengikazi, ukwelashwa ngokomzimba, kanye nemithi udokotela athi kubalulekile ekunakekelweni.

I-Medicare Part A imvamisa ihlanganisa kuphela izindleko zokuvakashelwa kwamagumbi okuphuthumayo uma udokotela ekungenisa esibhedlela. Uma udokotela engakuvumeli futhi ubuyela ekhaya, iMedicare Part B noma umshwalense wakho wangasese ungakhokhela izindleko.

Ngabe i-Medicare Part A ayimbozi ini?

Kubalulekile futhi ukwazi ukuthi iMedicare Part A ayikhokhi zonke izindleko zesibhedlela. Nazi izinto ezimbalwa iNgxenye A engeke izimboze:

• Amapayipi akho okuqala ama-3 wegazi. Uma isibhedlela sithola igazi ebhange legazi, kungenzeka ungakhokhi lutho. Kodwa-ke, uma isibhedlela kufanele sikutholele igazi elikhethekile, kungenzeka kungadingeka ukuthi ulikhokhele ephaketheni.
• Amakamelo angasese. Ngenkathi ukunakekelwa kwabagulayo kubandakanya ukuhlala egumbini elizimele, awunalo ilungelo lokuthola igumbi elizimele ngesikhathi unakekelwa.
• Ukunakekelwa kwesikhathi eside. Ingxenye A ihloselwe ukuhlinzeka ukunakekelwa kuphela ngesikhathi sokugula kakhulu noma ukulimala. Uma unezidingo zokunakekelwa zesikhathi eside, njengekhaya lasebekhulile, kuzofanele ukhokhele ukunakekelwa kwakho okuhlala ephaketheni.

Iyini izindleko ze-Medicare Part A?

Uma usebenza, umqashi wakho (noma wena, uma uzisebenza) ukhipha imali yentela yeMedare. Uma nje wena noma oshade naye nisebenza iminyaka eyishumi nikhokha intela ye-Medicare, uthola i-Medicare Part A ngaphandle kwe-premium uma uneminyaka engama-65 ubudala.

Lokho akusho ukuthi wena noma othandekayo ungangena esibhedlela futhi uthole ukunakekelwa kwamahhala. Ingxenye Yezokwelapha A idinga ukuthi ukhokhe imali ebanjwayo ukuze unakekele abagulayo. Okwe-2021, lokhu kungu- $ 1,484 ngasikhathi ngasinye senzuzo.

Uma ungafaneleki ngokuzenzakalela ngeNgxenye A yamahhala, usengathenga Ingxenye A. Ngo-2021, imali oyikhokha nyangazonke yeNgxenye A ingu- $ 471 uma ngabe usebenze ngaphansi kwamakota angu-30. Uma ukhokhe intela yeMedicare ngamakamelo angama-30 kuya kwangu-39, uzokhokha u- $ 259.

Ingabe kukhona okunye ukufakwa kwesibhedlela seMedicare?

Kunokuningi kwi-Medicare kuneNgxenye A - kukhona nezingxenye B, C, no-D. Wena noma othandekayo akudingeki usebenzise noma yiziphi ezinye izingxenye. Benza ngamunye abe ne-premium yenyanga. Izibonelo zezinsizakalo ezihlanganiswe ngaphansi ngakunye zifaka:

• Ingxenye B. I-Medicare Part B ihlanganisa ezinye izindleko zokuvakashelwa odokotela, imishini yezokwelapha, ukuhlolwa kokuxilongwa, kanye nezinye izinsizakalo zeziguli ezingaludinga.
• Ingxenye C. I-Medicare Part C (Medicare Advantage) ihlanganisa izinsiza zezingxenye A no-B. Ingase futhi ihlanganise imishanguzo kadokotela, amazinyo, nokubona, kuye ngohlelo olukhethayo. Eziningi zalezi zinhlelo zisebenza odokotela "abasebenza ngaphakathi" noma ukuthola ukuthunyelwa kudokotela wokunakekelwa okuyisisekelo ophethe ukunakekelwa kwakho.
• Ingxenye D. I-Medicare Part D ihlanganisa imishanguzo kadokotela. Njengengxenye ye-Medicare B no-C, kufanele ukhokhe imali ekhokhwayo yalokhu kufakwa. Kunezinhlobo eziningi zohlelo lweNgxenye D, futhi uzithenga kumhlinzeki womshwalense wangasese.

Vele, kukhona ezinye izinsizakalo i-Medicare yasekuqaleni engavami ukuzibandakanya. Kwesinye isikhathi, umuntu unomshuwalense wangasese ongakhokhela lezi zinsizakalo, noma azikhokhele ephaketheni. Izibonelo zifaka:

• ukuhlinzwa kwezimonyo
• amazinyo okufakelwa
• izibuko noma amalensi oxhumana nawo
• ukufakwa noma izivivinyo zezinsiza-kuzwa
• ukunakekelwa kwesikhathi eside
• izinsizakalo eziningi zokunakekelwa kwamazinyo
• ukunakekelwa kwezinyawo okuvamile

Uma ungenasiqiniseko sokuthi insizakalo imbozwe ngaphansi kwezinhlobo ezahlukahlukene ze-Medicare, ungashayela i-800-MEDICARE (800-633-4227) ukubuza.

Uma wena noma othandekayo usesibhedlela, imvamisa uzoba nesisebenzi secala esinikezwe wena esingakusiza ukuphendula imibuzo mayelana nokutholakala kwe-Medicare.

Ngifanelekile ukuthola iMedicare Part A?

Uma okwamanje uthola izinzuzo zokuphepha Komphakathi futhi ungaphansi kweminyaka yobudala engama-65, uzobhaliswa ngokuzenzakalela ezingxenyeni ze-Medicare A no-B lapho uhlanganisa iminyaka engama-65 ubudala. Kodwa-ke, uma okwamanje ungakutholi ukuphepha kwezenhlalakahle, kuzofanele ubhalise ngenkuthalo kwi-Medicare.

Isigaba esingezansi sokubhaliswa kokuqala sichaza ukuthi ungaqala nini inqubo yokubhalisa ngokuya ngeminyaka yakho.

Kodwa-ke, ungafanelekela Ingxenye A ngaphambi kwalesi sikhathi uma:

• unezimo zezokwelapha ezifana nesifo sesifo sokugcina (ESRD) noma i-amyotrophic lateral sclerosis (ALS)
• udokotela umemezela ukukhubazeka okukugcina ungasebenzi

Ungabhalisa kanjani kwi-Medicare Part A

Kunezindlela ezintathu zokubhalisa kwi-Medicare Part A:

• Iya ku-inthanethi ku-SocialSecurity.gov bese uchofoza ku- “Medicare Enrolment“.
• Shayela ihhovisi Lezokuphepha Komphakathi ku-800-772-1213. Uma udinga i-TTY, shayela ku-800-325-0778. Le nkonzo ivulwa ngoMsombuluko kuze kube uLwesihlanu kusuka ngo-7 ekuseni kuya ku-7 ebusuku.
• Faka isicelo mathupha eHhovisi Lezokuphepha Komphakathi. Chofoza lapha ukuthola ihhovisi langakini ngekhodi ye-ZIP.

Ukubhaliswa kokuqala

Ungaqala ukubhalisa kwi-Medicare izinyanga ezintathu ngaphambi kokuba ube neminyaka engama-65 ubudala (lokhu kufaka phakathi inyanga ohlanganisa iminyaka engama-65) kuze kufike ezinyangeni ezintathu ngemuva kosuku lwakho lokuzalwa lwama-65. Njengomthetho ojwayelekile, ukumbozwa kwakho kuzoqala ngoJulayi 1 wonyaka obhalisayo.

Ukubhaliswa okukhethekile

Ngaphansi kwezimo ezithile, ungakwazi ukufaka isicelo sekwedlule isikhathi se-Medicare. Le nkathi yesikhathi yaziwa njengesikhathi sokubhalisa esikhethekile.

Ungakufanelekela ukubhalisa ngalesi sikhathi uma ngabe uqashwe yinkampani ebinabasebenzi abangaphezu kwama-20 lapho uneminyaka engama-65 ubudala futhi unomshuwalense wezempilo ngomsebenzi wakho, inyunyana noma owakwakho.

Kulokhu, ungafaka isicelo seMedicare Part A zingakapheli izinyanga eziyi-8 ngemuva kokuthi ukumbozwa kwakho kwangaphambilini kuphelile.

Ukuthatha

Ukuzulazula emhlabeni weMedicare kungadideka - uma uvele uphenduke noma ususondela eminyakeni yobudala engama-65, yizwe elisha lakho.

Ngenhlanhla, kunezinsizakusebenza eziningi ongazithola, kusukela kwi-inthanethi kuya ocingweni kuye ehhovisi lakho lezeNhlalakahle. Uma unombuzo othile, le mithombo iyindawo enhle yokuqala.

Lo mbhalo uvuselelwe ngoNovemba 19, 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.