I-Medicare yamemezela ukuhlaziywa kwe-Medicare echithwayo, i-coinsurance kunye namaxabiso e-premium ka-2016. Oku kunika ulwazi olunzulu malunga nokunyuka kwi-premium kunye nezigulane ze-Medicare ezidityanisiweyo kuya kufuneka zijongane nonyaka ozayo.
Kanye nje nge-FYI, ndabhalisa isishwankathelo esifutshane somvuzo kunye nexabiso lemali. Le ngcaciso ingasetyenziselwa ukwazisa izigulane zakho malunga neenzuzo zabo zeMedare kunye nokuqokelela iintlawulo zangaphambili ezigulane zakho zeMedare.
Qinisekisa ukuba abasebenzi bakho bentlawulo kunye nabasebenzi be-ofisi yangaphambili bayazi ngolu tshintsho.
I-Medicare Icandelo leNtsholongwane
I-Medicare Ingxenye A (Intshuwalense yebhedlele): Uninzi lwabantu lufumana iCandelo A ngokukhawuleza xa liba ngu-65 ngaphandle kokuhlawula i-premium. Into kuphela eyokuthintela umntu ukuba afanelekile kwiCandelo A ukungaphumeleli ukuhlawula irhafu ye-Medicare ngelixa bona okanye iqabane lakhe lisebenza.
I-Medicare Icandelo A libizwa ngokuba yi-inshurensi yesibhedlele kuba inceda ukuhlawula ukunyamekela isigulane esifumene nesilwanyana esibhedlele esibhedlele, isibhedlele esifikeleleko esibalulekileyo, indawo yokunakekelwa kwabanobuchule (SNF), ukunakekelwa kwezibhedlele kunye nokunakekelwa kwempilo ekhaya. Amanye amaCandelo e-Medicare Part A aquka:
Isigulane sihlala
Unonophelo onesiqinisekiso kunye neenkonzo zokubuyisela, ukubonelela kunye nokutya
Unyango kunye nenkxaso ye-hospice (ngaphandle kwenkathalo yasekhaya)
Iinkonzo zoncedo lwezempilo lwaseKhaya, kuphela ixesha lokunyamekela ngononophelo, ukunakekelwa kwimizimba, imisebenzi, kunye nezonyango, izixhobo zonyango ezizinzileyo kunye nezinto
I-Medicare Icandelo A elihlawulelwa yi-DRG (Ukuxilongwa kwamaqela ahlobene). Ii-DRG zinikezwa udidi olusekelwe kwiinkcukacha zokuxilongwa kwe-ICD-9, iikhowudi ze-CPT kunye ne-HCPCS, iingxaki okanye iimeko ezikhoyo ekungenisweni, isimo sokukhutshwa, iminyaka yobudala kunye nesondo. Iintlawulo ze-DRG nazo zisekelwe kwithuba elithile elithile elilinganayo leentsuku eziyimfuneko ukuze unyango olwaneleyo.
Deductible
I-Deductible ngexesha elizuziweyo, i-$ 1,288.00
Coinsurance
Ngeentsuku 1-60, i-$ 0.00 ngosuku
Kwiintsuku 61-90, i-$ 322.00 ngemini
Kwiintsuku 91-150, i-644.00 yee-day yokugcina indawo yokuphila
Indawo yokuLondolozwa kwabasebenzi
Kwiintsuku ezingama-21 kwi-100, i-$ 161.00 ngemini
Iintlawulo zeeNyanga
I-Base Premium - i-$ 411.00 ngenyanga
I-Premium ye-Base kunye ne-10% ngaphezulu-$ 447.70 ngenyanga
I-Premium ye-Base ne-45% yokunciphisa - i-226.00 yeenyanga ngenyanga (30-39 iikota zengxelo)
I-Premium ye-Base ne-45% yokunciphisa kunye ne-10% ngaphezulu-i-$ 246.40 ngenyanga
I-Medicare Icandelo B I-inshurensi yonyango eyongezelelweyo
I-Medicare Ingxenye B (I-inshurensi yezoNyango eYongezelelweyo): Le nxalenye ye-Medicare yinto yokuzikhethela kwizigulane ezifikelela kwiminyaka engama-65 kwaye ihlawule i-premium yenyanga. Icandelo B libandakanya iinkonzo ezininzi ezingabandakanywa yiCandelo A. Ezinye zazo ziquka:
Ukutyelela iofisi
Iinkonzo zesibhedlele ezingaphandle
Uphulo lomzimba olusisigxina, lomsebenzi kunye nentetho
Iinkonzo zebhubhoratri zonyango
Ukunyamekela
Izixhobo zonyango ezizinzileyo (DME)
Izixhobo zonyango, izibuko zamehlo kunye nezixhobo zobufebe
Iinkonzo ze-ambulance
Uluhlu olupheleleyo lwezinto, tyelela iCMS.gov.
I-Medicare Part B ihlawula ngeShedyuli yeSiza. Ishedyuli yentlawulo yoluhlu olupheleleyo lweemirhumo ezisetyenziswe yi-Medicare kwi-fee-to-service basis.
Deductible
Ukuchithwa ngonyaka, i-$ 166.00
Coinsurance
- 20%
Iintlawulo zeeNyanga
Iphathwe kakubi - $ 104.90 ngenyanga
Akunakunobungozi - $ 121.80
Kubalulekile ukuqonda iimfuno zokuhlawula i-Medicare ezingaba nzima kakhulu. Cinga ngokuya kwiimviwo kunye namathuba. Ababoneleli kufuneka baqinisekise ukuba abo bajongene nokulungiselela nokuhambisa amabango kwi-Medicare bayazi izikhokelo ezifanelekileyo zokungeniswa.
Kukho abathengisi abaninzi abafumanekayo ukuze bafumane ulwazi olusisiseko sokufumana ulwazi ngeemfuno zeMagare kunye nesimo sangoku.
Ukufaneleka kwamagulane
Imbali yebango
Izinzuzo
I-Medicare Secondary Payer (MSP) Ulwazi
Imihla yokubhaliswa kweMSP
I-Medicare Benevantage Information
Imihla yokubhaliswa kweeMedare
Ulwazi olungakumbi malunga nokuhlawula kwiMedare
Abanikezeli beeNkonzo zezonyango baneentsuku ezingama-365 ukususela mhla umguli ekhutshwe ngayo kwi-bill ye-Medicare yokuhlawula. Iintlawulo zeMedare ziyakwenziwa kwiofisi yezokwelapha iintsuku ezili-13 kwikhalenda ukususela kumhla weMedarethi ufumana ibango elihlambulukileyo.