Yini i-Medicare Covers

-Delile

• Izinto ezi-5 Ongazi Ngazo Nge-Medicare
• Ingxenye yeMedicare A
• Iyini izindleko ze-Medicare Part A?
• Ingxenye yeMedare B
• Kubiza ini i-Medicare Part B?
• Ingxenye yeMedicare C
• Kubiza ini i-Medicare Part C?
• Ingxenye yeMedare D
• Kubiza ini i-Medicare Part D?
• Yini i-Medicare engayimbozi
• Ukuthatha

I-Medicare inezinketho ezinhlanu eziyinhloko ezinikeza izinzuzo zokunakekelwa kwezempilo kubantu abaneminyaka engama-65 nangaphezulu kanye nabantu abakhubazekile nezinye izimo ezingalapheki:

• I-Medicare Part A inikeza ukumbozwa okuyisisekelo kokulaliswa esibhedlela.
• I-Medicare ingxenye B ihlanganisa ukunakekelwa kweziguli ezifana nokuvakashelwa udokotela nokuhlolwa kokuxilongwa.
• I-Medicare Part C (Medicare Advantage) iyindlela yangasese ehlanganisa ukumbozwa kweNgxenye A neNgxenye B futhi inikeze izinzuzo ezengeziwe.
• I-Medicare Part D iwukusetshenziswa kwezidakamizwa kadokotela.
• Isengezo seMedicare (iMedigap) ngumshwalense wangasese osiza ukukhokhela izindleko zokuphuma ephaketheni ezinjenge-copays, i-coinsurance, kanye nezimali ezidonswayo.

Uma kukhulunywa ngokunakekelwa kwezempilo, kubalulekile ukwazi ukuthi yini okumboziwe nokuthi yini okungamboziwe. Ngoba kunezinhlelo eziningi ezahlukahlukene zeMedicare, kungadida ukwazi ukuthi yiluphi uhlelo oluzokunikeza ukumbozwa okulungile. Ngenhlanhla, kukhona amanye amathuluzi angenza kube lula kuwe.

I-Medicare wuhlelo lomshuwalense olunikezwa uhulumeni wesifundazwe kubantu abaneminyaka engama-65 nangaphezulu, kanye nabantu abakhubazekile nabantu abanezifo zesifo sezinso (ESRD), uhlobo lokuhluleka kwezinso.

Izinto ezi-5 Ongazi Ngazo Nge-Medicare

Kunezingxenye ezine kuhlelo lweMedicare: A, B, C, no D. Ingxenye ngayinye ihlanganisa izici ezahlukahlukene zokunakekelwa kwezempilo. Ungabhalisa engxenyeni eyodwa noma eziningi zeMedicare, kepha izingxenye ezivame kakhulu abantu ababhalise kuzo ziyizingxenye A no-B, ezaziwa njengeMedicare yangempela. Lezi zingxenye zihlanganisa iningi lezinsizakalo. Abantu imvamisa kufanele bakhokhe imali ekhokhwa njalo ngenyanga, kepha lokhu kuyehluka kakhulu ngokuya ngeholo.

Ingxenye yeMedicare A

I-Medicare Part A ihlanganisa izindleko zeziguli zesibhedlela lapho ungeniswa ngokusemthethweni esibhedlela nge-oda likadokotela. Inikeza izinzuzo zezinsizakalo ezinjenge:

• abahamba ngezinyawo nezihlalo ezinamasondo
• ukunakekelwa kwe-hospice
• ezinye izinsizakalo zezempilo zasekhaya
• ukumpontshelwa igazi

Ingxenye A ibuye inikeze ukumbozwa okulinganiselwe kwezindawo ezinabahlengikazi abanamakhono uma unesibhedlela esifanelekile sokuhlala esibhedlela - izinsuku ezintathu zilandelana okuvela kumyalelo osemthethweni wokungeniswa ezibhedlela obhalwe ngudokotela wakho.

Iyini izindleko ze-Medicare Part A?

Ngokuya ngemali oyitholayo, kungadingeka ukuthi ukhokhe imali ekhokhelwa ukukhishwa kweNgxenye A. Uma usebenze futhi wakhokha intela ye-FICA iminyaka eyi-10, awukhokhi i-premium yeNgxenye A. Kodwa-ke, Kungadingeka ukuthi ukhokhe imali ekhokhwayo noma idonselwa imali kunoma yiziphi izinsizakalo ezingaphansi kwe-Medicare Part A. Ungafaka isicelo sosizo noma usizo uma ungakwazi ' khokha.

Ngokusho kweMedicare, ngaphezu kokudonswa kwemali engu- $ 1,484, izindleko zakho zeNgxenye A ezingama-2021 zifaka:

• $ 0 i-coinsurance yezinsuku zokulaliswa esibhedlela 1-60
• Isikweletu esingu- $ 371 ngosuku ngezinsuku zokulaliswa esibhedlela okungu-61-90
• Imali engama-dollar angama-742 ngosuku lokuthola isibhedlela usuku lwama-91 nangaphezulu kosuku ngalunye lokugcina
• zonke izindleko zosuku ngalunye lokulaliswa ngaphezu kwezinsuku zakho zokugcina impilo
• akukho mali ekhokhwayo ngezinsuku ezingama-20 zokuqala zokunakekelwa kwezikhungo zabahlengikazi okugunyaziwe
• $ 185.50 ngosuku izinsuku ezingama-21-100 zokunakekelwa kwezikhungo zabahlengikazi okugunyaziwe
• zonke izindleko ngemuva kwezinsuku eziyi-101 zokunakekelwa kwezikhungo zabahlengikazi okugunyaziwe
• akukho mali ekhokhelwa ukunakekelwa kwe-hospice

Ukuze izinsizakalo zesibhedlela zimbozwe yi-Medicare, kufanele uvunyelwe futhi uthole ukunakekelwa esikhungweni esivunyelwe yi-Medicare.

Ingxenye yeMedare B

I-Medicare Part B ihlanganisa izinsizakalo zikadokotela wakho nokunakekelwa kwempilo okuvimbelayo, njengokuvakashelwa odokotela minyaka yonke nokuhlolwa. Abantu bavame ukuba nezingxenye A no-B ndawonye ukuze bathole okuningi. Isibonelo, uma uhlala esibhedlela, ukuhlala bekuzohlanganiswa ngaphansi kwe-Medicare Part A kanye nezinsizakalo zikadokotela ezizofakwa ngaphansi kweNgxenye B.

Ingxenye B ihlanganisa izinhlobo ezahlukahlukene zokuhlolwa nezinsizakalo, kufaka phakathi:

• ukuhlolwa komdlavuza, ukudangala, kanye nesifo sikashukela
• ambulensi kanye nezinsizakalo zomnyango ophuthumayo
• imishanguzo ne-hepatitis
• imishini yezokwelapha
• izimpahla zesifo sikashukela

Kubiza ini i-Medicare Part B?

Ezinye izindleko zeNgxenye B yakho ziyimali ekhokhwa nyangazonke engu- $ 148.50; kodwa-ke, i-premium yakho ingaba ngaphansi noma ngaphezulu noma ngaphansi ngokuya ngeholo lakho.

Amanye amasevisi ahlanganiswa ngaphansi kwe-Medicare Part B ngaphandle kwezindleko ezengeziwe kuwe uma ubona udokotela owamukela i-Medicare. Uma udinga insizakalo ngaphandle kwalokhu okuhlanganiswe yiMedicare, kuzofanele uzikhokhele leyo nsizakalo ngokwakho.

Ingxenye yeMedicare C

I-Medicare Part C, ebizwa nangokuthi i-Medicare Advantage, ithengiswa ngasese izinketho zomshuwalense ezibandakanya ukumbozwa okufanayo nezingxenye A no-B ngaphezu kwezinzuzo ezengeziwe ezinjengezinhlelo zemithi kadokotela, amazinyo, ukuzwa, umbono nabanye. Ukuze uthenge uhlelo lwe-Medicare Advantage, kufanele ubhalise kwi-Medicare yasekuqaleni.

Kubiza ini i-Medicare Part C?

Imvamisa ukhokha imali ekhokhelwa lezi zinhlelo, futhi kufanele ubone odokotela ngaphakathi kwenethiwekhi yakho. Ngaphandle kwalokho, ama-copayments noma ezinye izimali zingasebenza. Izindleko zakho ze-Medicare Part C zincike ohlotsheni lwecebo olikhethayo.

Ingxenye yeMedare D

I-Medicare Part D wuhlelo oluhlanganisa imishanguzo kadokotela engamboziwe yiNgxenye B, okuluhlobo lwemithi edinga ukwenziwa udokotela, njengokufakwa noma umjovo. Lolu hlelo luyazikhethela, kepha abantu abaningi bakhetha ukuba nalo ngakho-ke imishanguzo yabo iyahlanganiswa.

Kubiza ini i-Medicare Part D?

Izindleko zeMedicare Part D ziyahlukahluka kuye ngokuthi yiziphi izinhlobo zemithi oyithathayo, uhlelo onalo, nokuthi iyiphi ikhemisi oyikhethayo. Uzoba nemali oyikhokhayo futhi, kuye ngeholo lakho, kungadingeka ukhokhe ezinye izindleko. Kungadingeka futhi ukuthi wenze ama-copayments noma ukhokhe imali ebanjwayo.

Yini i-Medicare engayimbozi

Ngenkathi iMedicare ihlanganisa ukunakekelwa okuhlukahlukene, akuyona yonke into emboziwe. Ukunakekelwa kwamazinyo okuningi, izivivinyo zamehlo, izinsiza-kuzwa, ukukhishwa kwesikhumba, nanoma ikuphi ukuhlinzwa kwezimonyo akuhlanganiswa neMedicare yasekuqaleni.

I-Medicare ayihlanganisi ukunakekelwa kwesikhathi eside. Uma ucabanga ukuthi wena noma othandekayo uzodinga ukunakekelwa kwesikhathi eside, cabanga ngomshwalense ohlukile wokunakekelwa kwesikhathi eside.

Ukuthatha

• I-Medicare yakhiwe yizinhlobo eziyisihlanu eziyinhloko zokumbozwa, Ingxenye A, Ingxenye B, Ingxenye C, Ingxenye D, neMedigap. Lezi zinqumo zinikeza izinketho eziningi zokuhlangabezana nezidingo zakho zokunakekelwa kwezempilo.
• Ngenkathi iMedicare ihlanganisa izinsizakalo eziningi zokunakekelwa kwezempilo njengokulaliswa esibhedlela, ukuvakashelwa odokotela, nemithi kadokotela, kunezinsizakalo zezokwelapha ezingakwenzi.
• I-Medicare ayihlanganisi ukunakekelwa kwesikhathi eside, izinqubo zezimonyo, nokunye. Ungaxhumana nethuluzi lokumboza le-Medicare noma ushayele i-800-MEDICARE ukubona ukuthi insizakalo ethile ihlanganisiwe yini.

Funda le ndatshana ngeSpanishi