I-Medicare yamemezela ukubuyekezwa kwe-Medicare deductible, coinsurance, kanye namazinga e-premium ka-2016. Lokhu kunikeza ulwazi oluthe xaxa ngokunyuka kuya esikhwameni seminyaka yonke kanye neziguli ze-Medicare ezidonswayo kuzodingeka zibhekane nonyaka ozayo.
Njenge-FYI, ngibhale isifingqo esifushane sokubanjiswa kwezimali nokubambisana. Lolu lwazi lungasetshenziselwa ukwazisa iziguli zakho ngezinzuzo zabo zeMedare kanye nokuqoqa izinkokhelo zangaphambili ezigulini zakho zeMedare.
Qinisekisa ukuthi abasebenzi bakho bokukhokhisa nabasebenzi basehhovisi base-front bayazi ukuthi lezi zinguquko zikhona.
I-Medicare Part A A Hospital Insurance
I-Medicare Ingxenye A (Umshwalense Wezibhedlela): Iningi labantu lithola Ingxenye A ngokushesha uma beba ngu-65 ngaphandle kokukhokha i-premium. Into kuphela eyovimbela umuntu ukuthi angafanelekile kwiNgxenye A ukwehluleka ukukhokha intela yeMedare ngenkathi yena noma oshade naye besebenza.
I-Medicare Ingxenye A ibizwa ngokuthi umshuwalense wesibhedlela ngoba isiza ukukhokhela ukunakekelwa kwesiguli esitholwa esibhedlela esibhedlela, isifo esibhedlela esibucayi, indawo yokuhlengikaza enekhono (SNF), ukunakekelwa kwezempilo nokunakekelwa kwezempilo. Amanye ama-Medicare Part A amasevisi afaka:
Ukuhlala iziguli
Ukunakekela abanekhono kanye nezinsiza zokuvuselela, ukuhlinzeka nokudla
Ukwelashwa nokusekelwa kwe-hospice (ngaphandle kokunakekela ekhaya)
Izinsizakalo zezempilo zasekhaya, ukunakekelwa kokunakekelwa kwamakhono okuhlala ngesikhathi esisodwa, imithi yomzimba, yokusebenza, nokukhuluma, imishini yokwelapha ehlala isikhathi eside, kanye nempahla
I-Medicare Ingxenye A ekhokhwa yi-DRG (Ukuxilongwa Amaqembu Ahlobene). I-DRG inikezwa ukuhlelwa ngokusekelwe enhlanganisweni ye-ICD-9 yokutholakala kwamakhodi, amakhodi wenqubo ye-CPT ne-HCPCS, izinkinga noma izimo ezikhona ekungenisweni, isimo sokukhulelwa, iminyaka nobulili. Izinkokhelo ze-DRG nazo zisekelwe esikhathini esithile esiyizinombolo ezidingekayo zokwelashwa okwanele.
Deductible
I-Deductible isikhathi ngasinye sokuhlomula, i-$ 1,288.00
Coinsurance
Izinsuku 1-60, $ 0.00 ngosuku
Izinsuku 61-90, $ 322.00 ngosuku
Izinsuku 91-150, $ 644.00 ngosuku lokugcina impilo yonke
Isikhungo sosizo lwezokwelapha
Izinsuku ezingu-21 kuya kwezingu-100, $ 161.00 ngosuku
Izinkokhelo
I-Base Premium - $ 411.00 ngenyanga
I-Base Premium kanye nokukhishwa okungu-10% - $ 447.70 ngenyanga
I-Premium ye-Base ne-45% yokunciphisa - i-$ 226.00 ngenyanga (30-39 quarter of coverage)
I-Base Premium ene-45% yokunciphisa kanye nokukhishwa okungu-10% - $ 246.40 ngenyanga
Medicare Part B Umshwalense Wezokwelapha Ongeziwe
I-Medicare Part B (Umshwalense Wezokwelapha Ongeziwe): Le ngxenye yeMedare ikhetha ukuzikhethela iziguli ezifinyelela eminyakeni engama-65 futhi zikhokhisa i-premium yenyanga. Ingxenye B ihlanganisa izinsizakalo eziningi ezingabhekwa yiNgxenye A. Ezinye zazo zihlanganisa:
Ukuvakasha kwehhovisi lesidokotela
Izinsizakalo ezibhedlela ezingaphandle
Ukwelashwa okusemzimbeni, emsebenzini nokukhuluma
Izinsizakalo ze-laboratory zemitholampilo
Ukunakekelwa Okuvimbelayo
Imishini yokwelashwa ehlala njalo (DME)
Izinto zokwelapha, ama-eyelasses, namadivayisi we-prosthetic
Ambulance services
Ukuze uthole uhlu oluphelele lwezinto, vakashela i-CMS.gov.
I-Medicare Part B ikhokha ngeHlelo lokuHlelwa. Uhlelo lokukhokhisa luhlu oluphelele lwezindleko ezisetshenziswa yi-Medicare ngemali yokukhokhela imali.
Deductible
Ideductible ngonyaka, $ 166.00
Coinsurance
I-20% ye-coinsurance
Izinkokhelo
Iphethwe ingozi - $ 104.90 ngenyanga
Akuhambisani nokubamba okungenangozi - $ 121.80
Kubalulekile ukuqonda izidingo zokukhokhisa zeMedare ezingaba nzima kakhulu. Cabanga ngokuya ezifundweni zemicimbi namathuba. Abahlinzeki kumele baqinisekise ukuthi labo abathintekayo ukulungiselela nokuhambisa izimangalo zikaMedare bayazazi iziqondiso neziqondiso ezifanele zokuhambisa.
Kukhona abathengisi abaningana abatholakalayo ukuthola ulwazi olusesikhathini samanje mayelana nezinzuzo zemithi yesiguli nesimo samanje.
Ukufaneleka kwesineke
Umlando wesimangalo
Izinzuzo
Ulwazi lwe-Medicare Secondary Payer (MSP)
Izinsuku zokubhalisa ze-MSP
Ulwazi lwe-Medicare Advantage
Izinsuku zokubhalisa ze-Medicare Advantage
Ulwazi oluthe xaxa mayelana nokukhokhwa kwemali ku-Medicare
Abahlinzeki behhovisi lezokwelapha banezinsuku ezingu-365 kusukela ngosuku isiguli esikhishwa ngayo ku-Billare ukukhokha. Imali ekhokhelwa i-Medicare yenziwa ngokujwayelekile ehhovisi lezokwelapha izinsuku ezingu-13 zekhalenda kusukela ngosuku uMedarethi athola ngayo isimangalo esihlanzekile.