Cikakken Jagoran ku ga Sashin Kiwon Lafiya na B

Wadatacce

• Menene Medicare Part B kuma menene ya ƙunsa?
• Waɗanne ayyuka ne Sashi na B bai rufe su ba?
• Wanene ya cancanci Medicare Sashe na B?
• Nawa ne kudin Medicare Part B a 2021?
• Kudin wata-wata
• Masu cire kudi
• Adadin kuɗi
• Copays
• Matsakaicin-daga-aljihu
• Yaushe zan iya yin rajista a Medicare Part B?
• Wanene yake rajista ta atomatik?
• Wanene dole ne ya yi rajista?
• Yaushe zan iya nema?
• Takeaway

Medicare shiri ne na inshorar lafiya na tarayya don waɗanda suka kai 65 da mazan da sauran takamaiman ƙungiyoyi. Ya ƙunshi sassa da yawa, ɗayan daga cikinsu Sashi na B.

Kashi na B shine sashin Medicare wanda ke bada inshorar likita. Kuna iya amfani dashi don ɗaukar sabis na marasa lafiya daban-daban. Ci gaba da karatu don ƙarin koyo game da Sashi na B, gami da abin da ya ƙunsa, nawa ne, da lokacin yin rajista.

Menene Medicare Part B kuma menene ya ƙunsa?

Tare da Sashi na A, Sashe na B ya zama abin da ake kira Medicare na asali. An kiyasta cewa a ƙarshen 2016, kashi 67 na mutanen da ke amfani da Medicare sun shiga cikin Medicare na asali.

Sashi na B ya ƙunshi nau'ikan hidimar marasa lafiya da yawa da ake buƙata na likita. Sabis yana ƙaddara mahimmin likita idan ana buƙata don bincika ko magance yanayin kiwon lafiya.

Wasu misalan ayyukan da Sashe na B ya rufe sune:

• gaggawa motar asibiti
• jiyyar cutar sankara
• kayan aikin likita masu dorewa kamar kujerun guragu, masu tafiya, da kayan aikin oxygen
• kula dakin gaggawa
• maganin koda
• gwajin dakin gwaje-gwaje, kamar gwajin jini da binciken fitsari
• aikin likita
• wasu gwaje-gwajen, kamar su gwajin hoto da echocardiogram
• asibitin marasa lafiya da kula da lafiyar kwakwalwa
• gyaran jiki
• dasawa

Sashe na B kuma ya ƙunshi wasu ayyukan rigakafin. Misalan sun hada da:

• ma'aunin karfin kashi
• binciken kansa kamar na nono, ciwan kai, da kuma cutar sankara
• Nuna cututtukan zuciya da jijiyoyin jini
• binciken suga
• binciken cutar hepatitis B, hepatitis C, da HIV
• cututtukan da ake ɗauka ta hanyar jima'i (STI)
• allurar rigakafin mura, hepatitis B, da cutar pneumococcal

Waɗanne ayyuka ne Sashi na B bai rufe su ba?

Akwai wasu ayyuka waɗanda Sashe na B bai rufe su ba Idan kuna buƙatar waɗannan sabis ɗin, kuna buƙatar biya su daga aljihu. Wasu misalan waɗannan sun haɗa da:

• Nazarin jiki na yau da kullun
• yawancin magungunan magani
• hakori kula, ciki har da hakoran roba
• mafi yawan kulawar gani, gami da tabarau ko ruwan tabarau na tuntuba
• kayan jin magana
• kulawa na dogon lokaci
• tiyatar kwalliya
• madadin ayyukan kiwon lafiya kamar acupuncture da tausa

Idan kana son ɗaukar magungunan magani, zaka iya siyan shirin Medicare Part D. Insuranceungiyoyin inshora masu zaman kansu suna ba da shirye-shiryen Sashe na D kuma sun haɗa da yawancin ƙwayoyin magani.

Bugu da ƙari, shirin Medicare Sashe na C (Amfani da Medicare) ya haɗa da duk ayyukan da aka rufe ƙarƙashin asalin Medicare da kuma wasu ƙarin sabis kamar haƙori, hangen nesa, har ma da shirye-shiryen motsa jiki. Idan kun san zaku buƙaci waɗannan sabis ɗin akai-akai, la'akari da shirin Sashe na C.

Wanene ya cancanci Medicare Sashe na B?

Gabaɗaya magana, waɗannan rukunin sun cancanci Sashe na B:

• wadanda shekarunsu suka wuce 65 da haihuwa
• mutanen da ke da nakasa
• mutanen da ke fama da cutar koda ta ƙarshe (ESRD)

Kowane mutum dole ne ya cancanci sashi na A kyauta kyauta don ya cancanci Sashe na B lokacin da suka fara yin rajista a Medicare. Saboda mutane sau da yawa suna biyan harajin Medicare yayin da suke aiki, yawancin mutane sun cancanci Sashi na A kyauta kuma zasu iya yin rajista a Sashi na B lokacin da suka fara cancanta ga Medicare.

Idan kuna buƙatar siyan Sashi na A, har yanzu kuna iya yin rajista a Sashe na B. Duk da haka, dole ne ku cika waɗannan buƙatun masu zuwa:

• kasance shekaru 65 ko tsufa
• zama mazaunin Amurka, ko dai ɗan ƙasa ko kuma mazaunin doka na dindindin aƙalla shekaru 5 masu ɗorewa

Nawa ne kudin Medicare Part B a 2021?

Yanzu bari mu bincika kowane farashin da ya haɗa da Sashi na B a 2021.

Kudin wata-wata

Adadin ku na kowane wata shine abin da kuke biya kowane wata don ɗaukar hoto na B. Don 2021, daidaitaccen Sashin B na kowane wata shine $ 148.50.

Mutanen da ke samun kuɗaɗen shiga shekara-shekara na iya biyan mafi girman kuɗin kowane wata. Adadin kuɗin shigar ku na shekara-shekara an ƙayyade ne bisa ga dawowar ku na haraji daga shekaru biyu da suka gabata. Don haka don 2021, wannan zai zama dawo da harajin ku na 2019.

Hakanan akwai ƙarshen hukuncin yin rajista wanda zai iya shafar kuɗin ku na B kowane wata. Za ku biya wannan idan ba ku yi rajista ba a cikin Sashi na B lokacin da kuka fara cancanta.

Lokacin da kake buƙatar biyan bashin rajistar marigayi, ƙimar kuɗin kowane wata na iya ƙaruwa zuwa kashi 10 cikin ɗari na darajar ƙimar kowane watanni na 12 da kuka cancanci Sashe na B amma ba ku shiga ba. Za ku biya wannan muddin kun shiga cikin Sashi na B.

Masu cire kudi

Kashewa shine abin da kuke buƙatar biya daga aljihu kafin Sashi na B ya fara ɗaukar sabis. Don 2021, abin da aka cire na Sashi na B shine $ 203.

Adadin kuɗi

Adadin inshora shine yawan kuɗin sabis ɗin da kuke biya daga aljihu bayan haɗuwa da abin da kuka cire. Wannan yawanci kashi 20 ne na Sashi na B.

Copays

Adana kuɗi shine adadin da kuka biya don sabis. Copays ba yawanci ake dangantawa da Sashi na B. Duk da haka, akwai wasu lokuta inda zaku buƙaci biya ɗaya. Misali shine idan kayi amfani da sabis na asibiti.

Matsakaicin-daga-aljihu

Matsakaicin-daga aljihun shine iyaka akan nawa za ku biya daga aljihu don ayyukan da aka rufe a cikin shekara. Asalin Medicare ba shi da matsakaicin-aljihu.

Yaushe zan iya yin rajista a Medicare Part B?

Wasu mutane suna rajista ta atomatik a cikin Medicare na asali yayin da wasu zasu buƙaci yin rajista. Bari mu kara bincika wannan.

Wanene yake rajista ta atomatik?

Groupungiyoyin da ke rajista ta atomatik a cikin Medicare na asali sune:

• waɗanda ke cika shekaru 65 kuma tuni suna samun fa'idodin yin ritaya daga Social Security Administration (SSA) ko Railway Retirement Board (RRB)
• mutanen da shekarunsu ba su kai 65 ba da nakasa waɗanda ke karɓar fa'idodin nakasa daga SSA ko RRB tsawon watanni 24
• mutanen da ke fama da cutar kwayar halitta (ALS) waɗanda ke samun fa'idar rashin ƙarfi

Yana da mahimmanci a lura cewa kodayake za a sanya ku ta atomatik, Sashe na B yana da son rai. Kuna iya zaɓar jinkirta Sashi B idan kuna so. Yanayi daya inda wannan zai iya faruwa shine idan kun riga kun rufe ta wani shirin ta hanyar aiki ko abokin aure.

Wanene dole ne ya yi rajista?

Ka tuna cewa ba duk wanda ya cancanci samun Medicare na asali bane za'a yi rajistarsa ​​kai tsaye. Wasu za su buƙaci yin rajista ta ofishin SSA:

• Waɗanda ke cika shekaru 65 kuma a halin yanzu ba su samun fa'idodin yin ritaya daga SSA ko RRB na iya yin rijista fara watanni 3 kafin su cika shekaru 65.
• Mutane tare da ESRD na iya yin rajista a kowane lokaci - lokacin da ɗaukar aikin ku zai fara na iya bambanta.

Yaushe zan iya nema?

• Lokacin yin rajista na farko. Wannan taga ce ta watanni 7 kusa da ranar haihuwar ku ta 65 lokacin da zaku iya rajistar Medicare. Yana farawa watanni 3 kafin watan haihuwar ka, ya haɗa da watan haihuwar ka, kuma ya ƙara watanni 3 bayan ranar haihuwar ka. A wannan lokacin, zaku iya yin rajista don duk sassan Medicare ba tare da hukunci ba.
• Bude lokacin yin rajista (15 ga Oktoba – 7 ga Disamba). A wannan lokacin, zaku iya canzawa daga Asibitin asali (sassan A da B) zuwa Sashin C (Amfanin Medicare), ko daga Sashin C baya zuwa Asibitin asali. Hakanan zaka iya canza shirin Sashe na C ko ƙara, cire, ko canza shirin Sashe na D.
• Janar lokacin yin rajista (Janairu 1 – Maris 31). Kuna iya yin rajista a cikin Medicare a wannan lokacin idan baku shiga ba yayin lokacin rijistar ku na farko.
  • Lokacin yin rajista na musamman. Idan ka jinkirta yin rajistar Medicare saboda wani dalili da aka yarda da shi, daga baya za ka iya yin rajista a yayin lokacin yin rajista na musamman. Kuna da watanni 8 daga ƙarshen ɗaukar aikin ku ko ƙarshen aikin ku don yin rajista ba tare da hukunci ba.

Takeaway

Kashi na B shine sashin Medicare wanda ke kula da ayyukan marasa lafiyar marasa lafiya. Hakanan ya ƙunshi wasu ayyukan rigakafin. Yana daga cikin Medicare na asali

Mutanen da ke da shekaru 65 ko sama da haka, suna da nakasa, ko ESRD sun cancanci Sashe na B. Kudaden sashin B sun haɗa da na kowane wata, da za a cire, da kuma biyan kuɗi. Ba a rufe wasu sabis ɗin ta Sashe na B kuma za a buƙaci a biya su daga aljihu.

Mutane da yawa suna yin rajista ta atomatik a cikin Asibiti na asali. Wasu za su yi rajista ta hanyar SSA. Ga waɗannan mutane, yana da mahimmanci a kula da lokacin ƙarshe na yin rajista.

An sabunta wannan labarin a Nuwamba 16, 2020, don yin tunani game da 2021 bayanin Medicare.

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.