Umhlahlandlela Wakho Ophelele kwi-Medicare Part B

-Delile

• Yini iMedicare Part B futhi ihlanganisa ini?
• Yiziphi izinsizakalo ezingakhokhelwa yingxenye B?
• Ngubani ofanelekela i-Medicare Part B?
• Ibiza malini i-Medicare Part B ngo-2021?
• Iphrimiyamu yanyanga zonke
• Okudonswayo
• Coinsurance
• Amakhophi
• Ama-maximum aphuma ephaketheni
• Ngingabhalisa nini ku-Medicare Part B?
• Ngubani obhaliswa ngokuzenzakalela?
• Ngubani okumele abhalise?
• Ngingafaka nini isicelo?
• Ukuthatha

I-Medicare uhlelo lomshuwalense wezempilo walabo abaneminyaka engama-65 nangaphezulu namanye amaqembu athile. Siqukethe izingxenye eziningana, enye yazo eyiNgxenye B.

I-Medicare Part B yingxenye yeMedicare enikeza umshuwalense wezokwelapha. Ungayisebenzisa ukumboza izinsizakalo ezahlukahlukene zeziguli. Qhubeka nokufunda ukuze uthole imininingwane eyengeziwe ngeNgxenye B, kufaka phakathi lokho ekuhlanganayo, kubiza malini, nokuthi kufanele ubhalise nini.

Yini iMedicare Part B futhi ihlanganisa ini?

Kanye neNxenye A, Ingxenye B yakha lokho okubizwa ngokuthi yi-Medicare yasekuqaleni. Kulinganiselwa ukuthi ekupheleni konyaka ka-2016, amaphesenti angama-67 abantu abasebenzisa iMedicare babhaliswa kwiMedicare yangempela.

Ingxenye B ihlanganisa izinsizakalo ezahlukahlukene zokwelashwa ezidingekayo zokwelashwa. Isevisi inqunywa ukuthi iyadingeka yini kwezokwelapha uma kudingeka ukuxilonga kahle noma ukwelapha isimo sempilo.

Ezinye izibonelo zezinsizakalo ezihlanganiswe Ingxenye B yilezi:

• ezokuthutha eziphuthumayo ze-ambulensi
• ukwelashwa ngamakhemikhali
• imishini yezokwelapha ehlala isikhathi eside efana nezihlalo ezinamasondo, ama-walkers nemishini yomoya-mpilo
• ukunakekelwa kwegumbi lezimo eziphuthumayo
• ukucubungula izinso
• ukuhlolwa kwelabhoratri, njengokuhlolwa kwegazi nokuhlolwa kokuchama
• ukwelashwa emsebenzini
• okunye ukuhlolwa, njengokuhlolwa kwe-imaging nama-echocardiograms
• ukunakekelwa kwesibhedlela kanye nokunakekelwa kwempilo yengqondo
• ukwelashwa ngokomzimba
• ukufakelwa

Ingxenye B nayo ihlanganisa ezinye izinsizakalo zokuvimbela. Izibonelo zifaka:

• izilinganiso zamathambo
• ukuhlolwa komdlavuza njengaleyo yomdlavuza webele, we-colorectal, ne-prostate
• ukuhlolwa kwesifo senhliziyo nemithambo yegazi
• ukuhlolwa kwesifo sikashukela
• ukuhlolwa kwe-hepatitis B, i-hepatitis C, ne-HIV
• ukuhlola izifo ezithathelwana ngocansi (STI)
• ukugonywa komkhuhlane, isifo sokusha kwesibindi kohlobo B, nesifo se-pneumococcal

Yiziphi izinsizakalo ezingakhokhelwa yingxenye B?

Kukhona ezinye izinsizakalo ezingakhokhelwa yiNgxenye B. Uma udinga lezi zinsizakalo, kuzodingeka uzikhokhele ephaketheni. Ezinye izibonelo zazo zifaka:

• izivivinyo zomzimba ezijwayelekile
• imithi eminingi kadokotela
• ukunakekelwa kwamazinyo, kufaka phakathi amazinyo okufakelwa
• ukunakekelwa kombono okuningi, kufaka phakathi izibuko zamehlo noma amalensi wokuxhumana
• izinsiza-kuzwa
• ukunakekelwa kwesikhathi eside
• ukuhlinzwa kwezimonyo
• ezinye izinsizakalo zezempilo ezinjengokutholwa nokugcotshwa komzimba

Uma ungathanda ukutholakala kwezidakamizwa kadokotela, ungathenga uhlelo lwe-Medicare Part D. Amapulani engxenye D ahlinzekwa yizinkampani zomshuwalense ezizimele futhi afaka nemithi eminingi kadokotela.

Ngokwengeziwe, izinhlelo zeMedicare Part C (Medicare Advantage) zifaka zonke izinsizakalo ezimbozwe ngaphansi kwe-Medicare yasekuqaleni kanye nezinye izinsizakalo ezingeziwe ezinjengamazinyo, umbono, kanye nezinhlelo zokuqina. Uma wazi ukuthi uzowadinga lawa masevisi njalo, cabanga ngohlelo lwengxenye C.

Ngubani ofanelekela i-Medicare Part B?

Ngokuvamile, la maqembu afanelekile Ingxenye B:

• labo abaneminyaka engama-65 nangaphezulu
• abantu abakhubazekile
• abantu abanesifo sesifo sezinso (ESRD)

Umuntu kufanele afanelekele i-Part A engena-premium ukuze afanelekele neNgxenye B lapho ekwazi okokuqala ukubhalisa kwi-Medicare. Ngenxa yokuthi abantu bavame ukukhokha intela ye-Medicare ngenkathi besebenza, abantu abaningi bayayifanelekela i-Part A engakhokhelwa nge-premium futhi bangabhalisa futhi ku-Part B lapho beqala ukuthola i-Medicare.

Uma udinga ukuthenga ingxenye A, usengabhalisa kuNgxenye B. Kodwa-ke, kufanele uhlangabezane nalezi zidingo ezilandelayo:

• ube neminyaka engama-65 noma ngaphezulu
• ube ngumhlali wase-United States, kungaba yisakhamizi noma umhlali osemthethweni ngokusemthethweni okungenani iminyaka emihlanu eqhubekayo

Ibiza malini i-Medicare Part B ngo-2021?

Manje ake sibheke izindleko ngakunye ezihambisana neNgxenye B ngonyaka ka-2021.

Iphrimiyamu yanyanga zonke

Iphrimiyamu yakho yanyanga zonke yilokho okhokha inyanga ngayinye ukuthola ingxenye B. Ngo-2021, i-premium ejwayelekile Yengxenye B yanyanga zonke ingu- $ 148.50.

Abantu abanemiholo ephezulu yonyaka kungadingeka bakhokhe amaphrimiyamu aphezulu enyanga. Imali yakho engenayo yonyaka inqunywa ngokususelwa ekubuyiseleni kwakho intela kusuka eminyakeni emibili edlule. Ngakho-ke ngo-2021, lokhu kuzoba ukubuyiselwa kwakho kwentela ka-2019.

Kukhona nesijeziso sokubhaliswa sekwedlule isikhathi esingathinta imali yakho ekhokhwa ngenyanga ka-Part B. Uzokhokha lokhu uma ungabhalisanga ku-Part B ngesikhathi uqala ukufaneleka.

Lapho udinga ukukhokha inhlawulo yokubhaliswa sekwedlule isikhathi, i-premium yakho yanyanga zonke ingakhuphuka ifike kumaphesenti ayi-10 we-premium ejwayelekile esikhathini ngasinye sezinyanga eziyi-12 obukade ulungele i-Part B kodwa ungabhalisanga. Uzokhokha lokhu inqobo nje uma ubhalise kusigaba B.

Okudonswayo

Okudonswayo yilokho okudingayo ukuthi ukhokhe ephaketheni ngaphambi kokuthi Ingxenye B iqale ukumboza izinsizakalo. Ngonyaka ka-2021, imali ekhishwa engxenyeni B ingu- $ 203.

Coinsurance

I-Coinsurance iphesenti lezindleko zensizakalo oyikhokhela ephaketheni ngemuva kokuhlangabezana nemali oyidonsile. Lokhu ngokuvamile kungamaphesenti angama-20 eNgxenye B.

Amakhophi

I-copay yinani elibekiwe olikhokhela insizakalo. Ama-Copays awahlotshaniswa noNgxenye B. Kodwa-ke, kunezimo ezithile lapho kungadingeka ukuthi ukhokhe eyodwa. Isibonelo ukuthi ngabe usebenzisa izinsizakalo zabangalaliswa esibhedlela.

Ama-maximum aphuma ephaketheni

Isamba esiphume ephaketheni umkhawulo wokuthi kuzodingeka ukhokhe malini ephaketheni ngezinsizakalo ezihlanganisiwe phakathi nonyaka. I-Original Medicare ayinayo isilinganiso esiphezulu esikhwameni.

Ngingabhalisa nini ku-Medicare Part B?

Abanye abantu babhaliswa ngokuzenzakalela kwi-Medicare yangempela kanti abanye bazodinga ukubhalisa. Ake sihlole lokhu ngokuqhubekayo.

Ngubani obhaliswa ngokuzenzakalela?

Amaqembu abhaliswa ngokuzenzakalela ku-Medicare yasekuqaleni yilawa:

• labo abaleminyaka yobudala engama-65 futhi asebevele bathola imihlomulo yomhlalaphansi kwaSocial Security Administration (SSA) noma kwiRoadroad Retirement Board (RRB)
• abantu abangaphansi kweminyaka engama-65 abakhubazekile abebethola imihlomulo yokukhubazeka kwi-SSA noma i-RRB izinyanga ezingama-24
• abantu abane-amyotrophic lateral sclerosis (ALS) abathola izinzuzo zokukhubazeka

Kubalulekile ukuthi wazi ukuthi noma uzobhaliswa ngokuzenzakalela, u-Part B ungowokuzithandela. Ungakhetha ukubambezela ingxenye B uma ufisa. Isimo esisodwa lapho lokhu kungenzeka khona uma usuvele umbozwe olunye uhlelo ngomsebenzi noma ngoshade naye.

Ngubani okumele abhalise?

Khumbula ukuthi akuwona wonke umuntu ofanelekela ukuthola iMedicare yangempela ozobhaliswa ngokuzenzakalela. Abanye bazodinga ukubhalisa ngehhovisi le-SSA:

• Labo abahlanganisa iminyaka engama-65 futhi okwamanje abazitholi izinzuzo zomhlalaphansi ku-SSA noma i-RRB bangabhalisa ukuqala kwezinyanga ezintathu ngaphambi kokuba babe neminyaka engama-65.
• Abantu abane-ESRD bangabhalisa nganoma yisiphi isikhathi - lapho ukumbozwa kwakho kuzoqala kungahluka.

Ngingafaka nini isicelo?

• Isikhathi sokuqala sokubhalisa. Leli windi lezinyanga eziyi-7 elizungeze usuku lwakho lokuzalwa lwama-65 lapho ungabhalisela khona iMedicare. Iqala ezinyangeni ezintathu ngaphambi kwenyanga yakho yokuzalwa, ifaka nenyanga yosuku lwakho lokuzalwa, futhi inweba izinyanga ezintathu ngemuva kosuku lwakho lokuzalwa. Ngalesi sikhathi, ungabhalisela zonke izingxenye zeMedicare ngaphandle kwesijeziso.
• Isikhathi sokubhalisa esivulekile (ngo-Okthoba 15 – Disemba 7). Ngalesi sikhathi, ungashintsha kusuka ku-Medicare yasekuqaleni (izingxenye A no-B) uye kuNgxenye C (Medicare Advantage), noma usuke kwiNgxenye C ubuyele ku-Medicare yasekuqaleni. Ungashintsha futhi izinhlelo ze-Part C noma ungeze, ususe, noma ushintshe uhlelo lwengxenye D.
• Isikhathi sokubhaliswa okujwayelekile (Januwari 1 – Mashi 31). Ungabhalisa ku-Medicare ngalesi sikhathi esinqunyelwe uma ungabhalisanga ngesikhathi sokubhalisa kwakho kokuqala.
  • Isikhathi sokubhalisa esikhethekile. Uma ubambezele ukubhaliswa kwe-Medicare ngesizathu esivunyelwe, kamuva ungabhalisa ngesikhathi sokubhalisa esikhethekile. Unezinyanga eziyi-8 ukusuka ekugcineni kokumbozwa kwakho noma kokuphela komsebenzi wakho ukuze ubhalise ngaphandle kwenhlawulo.

Ukuthatha

I-Medicare Part B yingxenye yeMedicare ehlanganisa izinsizakalo zezokwelapha ezidingekayo. Iphinde ihlanganise ezinye izinsizakalo zokuvimbela. Kuyingxenye ye-Medicare yasekuqaleni

Abantu abaneminyaka engama-65 noma ngaphezulu, abanokukhubazeka, noma i-ESRD bayakufanelekela Ingxenye B. Izindleko zengxenye B zifaka amaphrimiyamu nyangazonke, imali ekhishwayo, kanye ne-coinsurance noma i-copay. Amanye amasevisi awahlanganiswa yiNgxenye B futhi azodinga ukukhokhwa ephaketheni.

Abantu abaningi babhaliswa ngokuzenzakalela kwi-Medicare yasekuqaleni. Abanye kuzodingeka babhalise nge-SSA. Kulaba bantu, kubalulekile ukunaka izikhathi zokugcina zokubhalisa.

Lo mbhalo uvuselelwe ngoNovemba 16, 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.