I-Medicare Part A vs. Medicare Part B: Uyini Umehluko?

-Delile

• Yini iMedicare Part A?
• Ukufaneleka
• Izindleko
• I-Medicare Part A premium ngo-2021
• Izindleko zeMedicare Part A ezibhedlela
• Ezinye izinto okufanele uzazi
• Yini iMedicare Part B?
• Ukufaneleka
• Izindleko
• Ezinye izinto okufanele uzazi
• Isifinyezo sokwehluka kwengxenye A no Part B
• Isikhathi sokubhaliswa kwe-Medicare Part A ne-Part B
• Ukuthatha

I-Medicare Part A ne-Medicare Part B yizici ezimbili zokuhlinzekwa kwezempilo okuhlinzekwa yi-Centers for Medicare & Medicaid Services.

Ingxenye A ukumbozwa kwesibhedlela, kuyilapho Ingxenye B ingeyokuvakasha kukadokotela nezinye izici zokunakekelwa kwezempilo kweziguli. Lezi zinhlelo akuzona ezokuncintisana, kepha kunalokho zihloselwe ukugcwalisana ukuze zinikeze ukunakekelwa kwezempilo ehhovisi likadokotela nasesibhedlela.

Yini iMedicare Part A?

I-Medicare Part A ihlanganisa izici eziningana zokunakekelwa kwezempilo okungafaka okulandelayo:

• ukunakekelwa kwesikhashana esikhungweni sabahlengikazi abanamakhono
• ukunakekelwa kwempilo okulinganiselwe ekhaya
• ukunakekelwa kwe-hospice
• ukunakekelwa kweziguli esibhedlela

Ngalesi sizathu, abantu bavame ukubiza ukusibhedlela kwe-Medicare Part A.

Ukufaneleka

Ngokufanelekela i-Medicare Part A, kufanele uhlangabezane nalezi zindlela ezilandelayo:

• ube neminyaka engama-65 noma ngaphezulu
• unokukhubazeka njengoba kunqunywe udokotela futhi uthola izinzuzo Zokuphepha Komphakathi okungenani izinyanga ezingama-24
• babe nesifo sesifo sokuphela kwesigaba
• bane-amyotrophic lateral sclerosis (ALS), eyaziwa nangokuthi isifo sikaLou Gehrig

Ukuthi uthola i-Part A noma cha ngaphandle kwe-premium kuncike kumlando wakho womsebenzi (noma womlingani wakho).

Izindleko

Abantu abaningi abafanelekela ukuthola iMedicare abakhokhi Ingxenye A. Lokhu kuyiqiniso uma wena noma oshade naye nisebenzele okungenani amakota angama-40 (cishe iminyaka eyishumi) nikhokha intela yeMedare. Noma ungasebenzelanga amakota angama-40, usengakhokha imali ekhokhwa nyangazonke ye-Medicare Part A.

I-Medicare Part A premium ngo-2021

Ngaphezu kwezindleko ze-premium (okungama- $ 0 kubantu abaningi), kunezinye izindleko maqondana nemali ekhishwayo (okumele ukhokhe ngaphambi kokuthi iMedicare ikhokhe) kanye ne-coinsurance (ukhokha ingxenye bese iMedicare ikhokha ingxenye ethile). Okwe-2021, lezi zindleko zifaka:

Izindleko zeMedicare Part A ezibhedlela

Izinsuku zokungeniswa esibhedlela kweziguli ezingama-91 nangaphezulu zibhekwa njengezinsuku zokugcina impilo. Uthola izinsuku zokugcina ezingama-60 zokuphila ongazisebenzisa esikhathini sempilo yakho. Uma udlula ngalezi zinsuku, unesibopho sazo zonke izindleko ngemuva kosuku lwama-91.

Isikhathi senzuzo siqala lapho uyisiguli esingalapheki futhi siphela lapho ungakatholi ukunakekelwa kweziguli izinsuku ezingama-60 zilandelana.

Nakhu ozokukhokha ezingxenyeni A zezindleko zokubuyiselwa kwemali esibhedlela ngo-2021:

Ezinye izinto okufanele uzazi

Uma udinga usizo esibhedlela, ukubuyiselwa kwemali kwe-Medicare kuvame kuncike ekutheni udokotela ukumemezela njengomuntu ogulayo noma "obhekiwe." Uma ungeniswe ngokusemthethweni esibhedlela, iMedicare Part A ngeke ikhulume ngale nsizakalo (yize iMedicare Part B ingase).

Kukhona nezici zokunakekelwa kwesibhedlela i-Medicare Part A engayifaki. Lokhu kufaka phakathi amapayipi amathathu okuqala egazi, ukunakekelwa kwangasese, negumbi elizimele. I-Medicare Part A ikhokhela ikamelo elizimele, kepha uma amakamelo azimele enikezwa isibhedlela sakho, iMedicare imvamisa izobabuyisela.

Yini iMedicare Part B?

I-Medicare Part B ihlanganisa ukuvakasha kodokotela, ukwelashwa kweziguli, imishini yezokwelapha eqinile, futhi, kwezinye izimo, imishanguzo kadokotela. Abanye abantu bayibiza futhi ngokuthi "umshuwalense wezokwelapha."

Ukufaneleka

Ukuze ufaneleke kwi-Medicare Part B, kufanele ube neminyaka engama-65 noma ngaphezulu futhi ube yisakhamuzi sase-U.S. Labo abahlala ngokomthetho futhi unomphela e-United States okungenani iminyaka emihlanu ilandelana nabo bangafanelekela ukuthola i-Medicare Part B.

Izindleko

Izindleko zeNgxenye B zixhomeke ekutheni ubhalise nini kwi-Medicare nasezingeni lakho leholo. Uma ubhalise ku-Medicare ngesikhathi sokubhalisa esivulekile futhi imali yakho engenayo ingadluli ku- $ 88,000 ngo-2019, uzokhokha u- $ 148.50 ngenyanga nge-premium yakho ye-Medicare Part B ngo-2021.

Kodwa-ke, uma wenza u- $ 500,000 noma ngaphezulu njengomuntu oyedwa noma ngaphezulu kwama- $ 750,000 njengombhangqwana ogcwalisa ngokuhlanganyela, uzokhokha u- $ 504.90 ngenyanga nge-premium yakho yengxenye B ngo-2021.

Uma uthola izinzuzo ku-Social Security, i-Railroad Retirement Board, noma i-Office of Personnel Management, lezi zinhlangano zizodonsa i-Medicare ekhishwayo ngaphambi kokukuthumela izinzuzo zakho.

Imali ekhishwa minyaka yonke ka-2021 ingama- $ 203.

Uma ungabhaliseli i-Medicare Part B esikhathini sakho sokubhalisa (imvamisa lapho usuneminyaka engama-65), kungadingeka ukhokhe inhlawulo yokubhalisa emuva kwesikhathi njalo ngenyanga.

Uma usuhlangabezane nemali yakho ekhishelwe iMedicare Part B, uvame ukukhokha amaphesenti angama-20 wemali yesevisi evunyelwe yi-Medicare ngenkathi i-Medicare izokhokha amaphesenti angama-80 asele.

Ezinye izinto okufanele uzazi

Kungenzeka ukuthi ungaba yisiguli esingalalisiwe esibhedlela futhi ukhokhele kokubili iMedicare Part A no Part B ukukhokhela izici zokuhlala kwakho. Isibonelo, abanye odokotela noma ongoti abakubona esibhedlela bangakhokhelwa ngeMedicare Part B. Kodwa-ke, iMedicare Part A izokhokhela izindleko zokuhlala kwakho nezindleko ezihlobene nokuhlinzwa okudingekayo ngokwezokwelapha.

Isifinyezo sokwehluka kwengxenye A no Part B

Ngezansi uzothola ithebula elihlinzeka ngokufingqiwe komehluko omkhulu phakathi kwengxenye A nengxenye B:

Isikhathi sokubhaliswa kwe-Medicare Part A ne-Part B

Uma wena noma othandekayo uzobhalisa kwi-Medicare kungekudala (noma ushintshe izinhlelo), ungaphuthelwa yilezi zinsuku ezibalulekile:

• Isikhathi sokuqala sokubhalisa: izinyanga ezi-3 ngaphambi kosuku lwakho lokuzalwa olungu-65, inyanga yosuku lwakho lokuzalwa, nezinyanga ezintathu emva kosuku lwakho lokuzalwa olungu-65
• Ukubhaliswa okujwayelekile: NgoJanuwari 1 kuya ku-Mashi 31 we-Medicare Part B uma ungabhalisanga ngesikhathi sakho sokubhalisa sokuqala
• Ukubhalisa okuvulekile: Ngo-Okthoba 15 kuya kuDisemba 7 ukubhaliswa noma izinguquko kwe-Medicare Advantage kanye neNgxenye D

Ukuthatha

I-Medicare Part A ne-Medicare Part B ziyizingxenye ezimbili ze-Medicare yasekuqaleni ezisiza ndawonye ukumboza iningi lezidingo zakho zokunakekelwa kwezempilo ngokusiza ukukhokhela izindleko zesibhedlela nezokwelapha.

Ukubhalisa kulezi zinhlelo ngendlela efike ngesikhathi (izinyanga ezi-3 ngaphambi kwezinyanga ezi-3 ngemuva kosuku lwakho lokuzalwa lwama-65) kubalulekile ekwenzeni izinhlelo zibe ngamanani aphansi ngangokunokwenzeka.

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.