Fahimtar Medicare Part B Cancanta

Wadatacce

• Menene bukatun cancanta don Medicare Sashe na B?
• Kuna da shekaru 65
• Kuna da nakasa
• Kuna da ESRD ko ALS
• Menene Medicare Part B ya rufe?
• Shin akwai wasu zaɓuɓɓuka don ɗaukar hoto makamancin haka?
• Medicare Kashi na C
• Sashin Kiwon Lafiya na D
• Madigap
• Takeaway

Idan kana neman yin rajista a Medicare a wannan shekara, yana da mahimmanci ka fahimci abubuwan cancanta na Medicare Part B.

Kai tsaye ka cancanci yin rajista a cikin Medicare Part B lokacin da ka cika shekaru 65 da haihuwa. Hakanan kun cancanci yin rajista a ƙarƙashin yanayi na musamman, kamar idan kuna da ganewar asali na nakasa ko ƙarshen cutar koda (ESRD).

A cikin wannan labarin, zamu bincika waɗanda suka cancanci Medicare Sashe na B, yadda ake yin rajista, da mahimman wa'adin aikin Medicare don kulawa.

Menene bukatun cancanta don Medicare Sashe na B?

Kashi na B na Medicare wani zaɓi ne na inshorar lafiya wanda zai iya samuwa ga mutane a Amurka da zarar sun kai shekaru 65.Koyaya, akwai wasu yanayi na musamman wanda zaku iya cancanci yin rajista a cikin Medicare Part B kafin shekarun 65.

A ƙasa, zaku sami buƙatun cancanta don yin rajista a cikin Sashin Kiwon Lafiya na B.

Kuna da shekaru 65

Kai tsaye ka cancanci shiga Medicare Part B da zarar ka cika shekaru 65. Kodayake kuna buƙatar jira don amfani da fa'idodin ku har zuwa ranar haihuwar ku ta 65, kuna iya yin rajista:

• Watanni 3 kafin cikar ka shekara 65
• a bikin cika shekaru 65 da haihuwa
• Watanni 3 bayan cikarka shekaru 65

Kuna da nakasa

Idan kuna da nakasa kuma kuna karɓar kuɗin nakasa, kun cancanci yin rajista a cikin Medicare Part B koda kuwa ba ku da shekaru 65. A cewar Hukumar Tsaro ta Tsaro, nakasawar cancanta na iya haɗawa da:

• cuta ta azanci
• cututtukan zuciya da jini
• rikicewar tsarin narkewa
• cututtukan jijiyoyin jiki
• tabin hankali

Kuna da ESRD ko ALS

Idan an ba ka cutar ta ESRD ko amyotrophic lateral sclerosis, kana da damar yin rajista a cikin Medicare Part B ko da kuwa ba ka kai shekara 65 ba.

Menene Medicare Part B ya rufe?

Sashin Kiwon Lafiya na B ya rufe ganewar asibiti, magani, da rigakafin yanayin kiwon lafiya.

Wannan ya hada da ziyartar dakin gaggawa, da kuma ayyukan kiwon lafiya na rigakafin kamar ziyarar likita, bincike da gwaje-gwajen bincike, da wasu rigakafin.

Shin akwai wasu zaɓuɓɓuka don ɗaukar hoto makamancin haka?

Kashi na B shine zaɓi ɗaya ne kawai wanda masu cin gajiyar Medicare suke samu. Koyaya, mafi kyawun ɗaukar hoto dominku zai dogara ne kacokam kan lafiyarku da yanayin kuɗi.

Sauran zaɓuɓɓukan ɗaukar hoto waɗanda za'a iya amfani dasu maimakon ko a hade tare da Medicare Part B sun haɗa da:

• Medicare Kashi na C
• Sashin Kiwon Lafiya na D
• Madigap

Medicare Kashi na C

Kashi na Medicare Sashe, wanda aka fi sani da Medicare Advantage, zaɓi ne da kamfanonin inshora masu zaman kansu suka bayar don masu cin gajiyar Medicare.

ya sami Amfani da Medicare ya zama sanannen zaɓi na Medicare, tare da kusan kashi ɗaya bisa uku na masu cin gajiyar zaɓin shirin Amfani akan Magungunan gargajiya.

Don yin rajista a cikin Medicare Part C, dole ne a riga an sanya ku a cikin sassan A da B.

A karkashin shirin Masarufin Amfani, gabaɗaya za a rufe ku don:

• sabis na asibiti
• sabis na kiwon lafiya
• magungunan ƙwayoyi
• hakori, hangen nesa, da ayyukan ji
• servicesarin ayyuka, kamar su mambobin motsa jiki

Idan kuna da shirin Medicare Part C, zai maye gurbin asalin Medicare.

Sashin Kiwon Lafiya na D

Sashin Kiwon Lafiya na D shine ƙarin magani ne akan duk wanda yayi rajista a cikin Medicare na asali.

Idan kuna sha'awar yin rijista a cikin zancen Sashe na D, zaku so tabbatar da yin hakan da wuri-wuri. Idan bakayi rajista a kowane bangare na C ba, Sashi na D, ko kuma ɗaukar maganin daidai a cikin kwanaki 63 na rijista ta farko, zaku fuskanci hukunci na dindindin.

Idan kun shiga cikin shirin Sashe na C, ba za ku buƙaci Sashe na Medicare Sashe na D.

Madigap

Medigap wani zaɓi ne na ƙarawa don duk wanda yayi rajista a cikin Medicare na asali. An tsara Medigap don taimakawa wajen ɗaukar nauyin wasu alaƙa da ke tattare da Medicare, kamar farashi, ragi, da kuma biyan kuɗi.

Idan kayi rajista a cikin shirin Sashe na C, ba za ka iya yin rajista a cikin ɗaukar Medigap ba.

Yana da matukar mahimmanci kada ku rasa duk wani wa'adin aikin likita, saboda wannan na iya haifar muku da fuskantar azabtarwa ta ƙarshe da rata a cikin ɗaukarku. Anan ne kwanakin ƙarshe na Medicare don kulawa da hankali ga:

• Rijista na asali Kuna iya yin rajista a cikin Medicare Sashe na B (da Sashi na A) watanni 3 kafin, watan, da watanni 3 bayan ranar haihuwar 65th.
• Rijistar Medigap Kuna iya yin rajista cikin ƙarin manufofin Medigap na tsawon watanni 6 bayan kun cika shekaru 65.
• Rijistar ƙarshe. Kuna iya yin rajista a cikin shirin Medicare ko shirin Amfani da Medicare daga Janairu 1 – Maris 31 idan baku sa hannu ba lokacin da kuka fara cancanta.
• Rijistar Medicare Part D Kuna iya yin rajista a cikin shirin Sashe na D daga Afrilu 1 – Yuni 30 idan ba ku yi rajista ba lokacin da kuka fara cancanta.
• Shirya canjin canjin. Kuna iya yin rajista, fita daga, ko canza sashinku na C ko Sashe na D daga Oktoba 15 zuwa Disamba 7, a lokacin buɗe rajistar.
• Rijista na musamman. A karkashin yanayi na musamman, zaku iya cancanta don lokacin yin rajista na musamman na watanni 8.

Takeaway

Cancantar Medicare Sashe na B ya fara ne ga yawancin Amurkawa a shekara 65. ificationswarewa na musamman, kamar nakasa da wasu sharuɗɗan kiwon lafiya, na iya sa ku cancanci yin rajista a Sashe na B da wuri.

Idan kuna buƙatar ƙarin ɗaukar hoto fiye da abin da Sashin B ke bayarwa, ƙarin zaɓuɓɓukan ɗaukar hoto sun haɗa da Sashe na C, Sashe na D, da Medigap.

Idan kuna sha'awar yin rajista a cikin ɗaukar hoto na Medicare na kowane nau'i, ba da hankali sosai ga ƙayyadaddun lokacin yin rajista kuma ziyarci gidan yanar gizon Tsaro na Social don farawa.

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.

Karanta wannan labarin a cikin Mutanen Espanya