Medicare yakazivisa kuvandudzwa kweMedarered deductible, coinsurance, uye mizinga yepamusoro ye 2016. Izvi zvinopa ruzivo rwakakwana pamusoro pekuwedzera kune pegore rose uye varwere vakagadzirirwa kubva kuMedare vachafanirwa kutarisana mugore rinouya.
Kungofanana neFYI, ndakanyora muchidimbu muchidimbu chechibvumirano uye chekubhadharisa mari. Iyi ruzivo inogona kushandiswa kuzivisa varwere vako nezvemishonga yavo yeMedare pamwe nekuunganidza mari yepamusoro kubva kuMedarere varwere.
Iva nechokwadi chokuti vashandi vako vebhadha uye vashandi vepahofisi vasati vaziva nezvekuchinja uku.
Medicare Chikamu A Inishuwarenzi yeUpatara
Medicare Chikamu A (Inishuwarenzi yezvipatara): Vanhu vazhinji vanowana Chikamu A pakarepo pavanenge vava nemakore 65 vasina kubhadhara mubayiro. Chinhu chimwe chete chinogona kudzivirira munhu kuti ave akakodzera kuChikamu A chiri kukundikana kubhadhara Medicare mitero ivo ivo kana mudzimai wavo vari kushanda.
Medicare Chikamu A inonzi inshuwarhu yepatara nokuti inobatsira kubhadhara kuchengetwa kwomurwere anogamuchira muchipatara chirwere chekushaya chirwere, chirwere chakakosha chinosvika, chiremba unyanzvi hwekuziva (SNF), hospice uye kutarisira utano hwepamusha. Mamwe Medicare Chikamu A mazano anosanganisira:
Inpatient kugara
Unyanzvi hwekurapa nehutano hwekuvandudza, zvinhu uye zvokudya
Chiremba uye rubatsiro rwekuchengetedza varwere (kunze kwekuchengetwa kwemusha)
Mishonga yehutano yehutano huripo, nguva yega yega yeunyanzvi hwekuchengetedza, muviri, basa, uye marapirwo ekurapa, zvigadzirwa zvemishonga zvakasimba, uye zvinhu
Medicare Chikamu A inobhadhara neDGG (Kuziva Maererano Neboka). DGG dzinopiwa chirongwa chinoenderana nekubatanidzwa kweCI-9 kuongorora zviratidzo, CPT uye HCPCS nzira dzekuita, zvinetso kana mamiriro ezvinhu zviripo pakugamuchira, kusunungurwa kwehutano, makore uye zvepabonde. Mitsara yeDGG inowanikwa pane imwe nguva iyo inowanikwa nhamba yemazuva anodiwa pakurapa kwakakwana.
Deductible
Deductible panguva yekubatsira, $ 1,288.00
Coinsurance
Kwemazuva 1-60, $ 0.00 pazuva
Kwemazuva 61-90, $ 322.00 pazuva
Kwemazuva 91 kusvika ku50, $ 644.00 kuburikidza nekuchengetedza zuva reupenyu
Skilled Nursing Facility
Kwemazuva 21 kusvika 100, $ 161.00 pazuva
Premiums
Base Premium - $ 411.00 pamwedzi
Base Premium pamwe nekuwedzera kwe10% - $ 447.70 pamwedzi
Base Premium ine 45% kuderedzwa - $ 226.00 pamwedzi (30-39 roga yekugovera)
Base Premium ine 45% kuderedza uye 10% mubhadharo - $ 246.40 pamwedzi
Medicare Chikamu B Kuwedzera Kwemishonga Inishuwarenzi
Medicare Chikamu B (Kuwedzerwa Kwemishonga Inishuwarenzi): Chikamu ichi cheMedare chinosarudzira kune varwere mumwe chete vanosvika makore makumi matanhatu uye vanobhadhara purogiramu yemwedzi. Chikamu B inosanganisira zvizhinji zvisingabatanidzwi neChikamu A. Zvimwe zvacho zvinosanganisira:
Physician office visits
Outpatient hospital hospitals
Kunze kwepanyama, basa rekuita uye kutaura
Clinical laboratory services
Kudzivirira Kuchengetedza
Zvigadzirwa zvechiremba zvinogara kwenguva refu (DME)
Zvigadzirwa zvemishonga, magirazi emaziso, uye maitiro eprosthetic
Ambulance services
Kuti uwane ruzivo rwakakwana rwezvinhu, shanyira CMS.gov.
Medicare Chikamu B inobhadhara neHedhi yeHedheni. Imwe purogiramu yekubhadhara ndeye kukwana kwakakwana kwemari inoshandiswa neMurengeti pamutero-we-kushanda.
Deductible
Deductible gore, $ 166.00
Coinsurance
20% coinsurance
Premiums
Yakachengetedza mungozi - $ 104.90 pamwedzi
Hazvikwanisi kubata zvakashata - $ 121.80
Zvakakosha kunzwisisa zvinorehwa neMurengeti zveMedare zvinogona kunge zvakaoma. Funga kuenda kunekudzidzira zviitiko nemikana. Vapiro vanofanira kuve nechokwadi kuti avo vane basa rokugadzirira uye kuendesa zvirevo kuMedarere vanoziva zvakakodzera kutumira mitemo nemirau.
Kune vatengesi vatengesi vanowanika kuwana ruzivo rwepamusoro-kune-zuva ruzivo pamusoro pemutano weMurega wemararamiro uye chimiro chazvino.
Murefu akakodzera
Nhoroondo yenyaya
Batsirwa
Medicare Secondary Payer (MSP) Mashoko
MSP mazuva ekunyora
Medicare Makomborero Mashoko
Medicare Kubatsira mazuva ekunyora
Mamwe Mashoko Pamusoro Pokubhadhara Mishonga
Vatapi vehofisi yezvipatara vane mazuva 365 kubva pazuva iyo murwere anobva abudiswa kuti apiwe Medicare kubhadhara. Medicare zvikwereti zvinowanzoitwa kuhofisi yezvokurapa 13 mazuva ekarenda kubva pazuva raMedare rinogamuchira kudai kwakachena.