Medicare Tshooj A vs. Medicare Tshooj B: Dab tsi Yog Qhov Sib Txawv?

Zoo Siab

• Medicare Tshooj A yog dab tsi?
• Kev Muaj Cai Tau Txais
• Cov nqi
• Medicare Tshooj A hwm hauv 2021
• Medicare Tshooj A nqi tsev kho mob
• Lwm yam paub
• Medicare Tshooj B yog dab tsi?
• Kev Muaj Cai Tau Txais
• Cov nqi
• Lwm yam paub
• Cov ntsiab lus ntawm Tshooj A thiab Ntu B sib txawv
• Medicare ntu A thiab Ntu B lub sij hawm rau npe
• Cov nqa mus

Medicare Tshooj A thiab Medicare Tshooj B yog ob yam kev them nqi kho mob Cov Chaw Pabcuam rau Medicare & Medicaid Cov Kev Pabcuam muaj.

Ntu A yog kev fajseeb khomob hauv tsev kho mob, hos Tshooj B yog ntau rau kev mus ntsib kws khomob thiab lwm yam kev khomob sab nrauv. Cov phiaj xwm no tsis yog kev sib tw, tab sis nws tsuas yog npaj los ua kom sib luag kom tau kev pab them nqi kho mob ntawm kws kho mob lub chaw ua haujlwm thiab tsev kho mob.

Medicare Tshooj A yog dab tsi?

Medicare Tshooj A npog ntau yam ntawm kev saib xyuas kev noj qab haus huv uas suav nrog cov hauv qab no:

• kev tu xyuas luv luv hauv ib lub tsev laus
• txwv kev tu mob hauv tsev
• tsev kho mob
• pw kho mob hauv tsev kho mob

Vim li no, tib neeg feem ntau hu rau Medicare Part A kev pab them nqi kho mob hauv tsev kho mob.

Kev Muaj Cai Tau Txais

Txog Medicare Qhov Muaj Cai Tau Txais, koj yuav tsum muaj raws li ib qhov hauv qab no:

• muaj hnub nyoog 65 xyoos los yog tshaj saud
• muaj kev tsis taus raws li kws kho mob tau txiav txim thiab tau txais cov txiaj ntsim kev pab Xaus Saus tsawg kawg yog 24 lub hlis
• mob raum ntu kawg mob raum
• muaj amyotrophic lateral sclerosis (ALS), tseem hu ua Lou Gehrig's kab mob

Txheeb xyuas koj los yog tsis tau txais Ntu A yam tsis them nyiaj nyob ntawm koj (lossis koj tus txij nkawm) cov haujlwm yav dhau los.

Cov nqi

Feem ntau cov tib neeg uas tsim nyog tau Medicare tsis them rau Ntu A. Qhov no muaj tseeb yog tias koj lossis koj tus txij nkawm tau ua haujlwm tsawg kawg 40 lub hlis (kwv yees li 10 xyoo) them Medicare se. Txawm hais tias koj tsis ua haujlwm rau 40 lub quarters, koj tseem tuaj yeem them tus nqi them txhua hli rau Medicare Tshooj A.

Medicare Tshooj A hwm hauv 2021

Ntxiv rau tus nqi hwm (uas yog $ 0 rau ntau tus neeg), muaj lwm cov nqi hauv qhov yuav txiav tawm (koj yuav tsum them ua ntej Medicare them) thiab npib (koj them ib feem thiab Medicare them ib feem). Rau xyoo 2021, cov kev siv nyiaj no suav nrog:

Medicare Tshooj A nqi tsev kho mob

Cov tsev kho mob pw hauv tsev kho mob hnub 91 thiab siab dua yog suav tias yog cov hnub so nyob mus ib txhis. Koj tau txais 60 lub sijhawm tshwj tseg nyob rau hnub siv los siv thaum lub sijhawm ntawm koj lub neej. Yog tias koj mus dhau lub sijhawm dhau hnub no, koj yuav lav tag nrho cov nqi tom qab hnub 91.

Lub sijhawm tau txais txiaj ntsig pib thaum koj yog neeg pw thiab xaus thaum koj tsis tau txais kev saib xyuas sab hauv rau 60 hnub nyob uake.

Nov yog qhov koj yuav them nyob rau Tshooj A nqi them pw tsev kho mob them nqi nyob rau xyoo 2021:

Lwm yam paub

Thaum koj xav tau kev pab hauv tsev kho mob, Medicare qhov them nyiaj rov qab feem ntau nyob ntawm seb tus kws kho mob tshaj tawm tias koj yog neeg pw lossis "hauv kev soj ntsuam." Yog tias koj tsis tau tso cai nyob hauv tsev khomob, Medicare Tshooj A yuav tsis them rau cov kev khomob (txawm hais tias Medicare Tshooj B yuav yog).

Nws kuj tseem muaj cov kev kho mob hauv tsev kho mob uas Medicare Tshooj A tsis pab them rau. Cov no suav nrog thawj 3 pints ntawm cov ntshav, kev saib xyuas tus kheej, thiab chav tsev ntiav. Medicare Tshooj A them rau ib chav tsev kho mob ib nrab, tab sis yog chav ntiav yog tag nrho koj cov tsev kho mob muaj, Medicare feem ntau yuav them nyiaj rov qab.

Medicare Tshooj B yog dab tsi?

Medicare Tshooj B yuav them cov nqi mus ntsib kws kho mob, kho sab nraud, khoom siv kho mob ruaj khov, thiab, muaj qee kis, siv tshuaj kho mob. Qee tus neeg kuj hu nws ua "ntawv pov hwm kho mob."

Kev Muaj Cai Tau Txais

Txog kev tsim nyog rau Medicare Part B, koj yuav tsum muaj hnub nyoog 65 xyoos los yog laus dua thiab ntawv xam xaj Asmeskas. Cov neeg uas muaj cai nyob hauv Tebchaws Meskas tsawg kawg 5 xyoos ua ke los tseem muaj feem tau txais Medicare Tshooj B.

Cov nqi

Tus nqi rau Tshooj B yog nyob ntawm thaum koj nkag rau Medicare thiab koj li theem khwv tau. Yog tias koj tso npe rau Medicare nyob rau lub caij qhib nkag thiab koj cov nyiaj tau tsis tshaj $ 88,000 hauv 2019, koj yuav them $ 148.50 tauj ib hlis rau koj qhov Medicare Tshooj B hwm nyob hauv 2021.

Txawm li cas los xij, yog tias koj khwv tau $ 500,000 lossis ntau dua raws li tus kheej lossis ntau dua $ 750,000 raws li nkawm niam txiv ua ntawv thov ua ke, koj yuav tau them $ 504.90 tauj ib hlis rau koj Tshooj B hwm nyob hauv 2021.

Yog tias koj tau txais txiaj ntsig los ntawm Xaus Saus, Pawg Neeg Ciav Haujlwm Saib Xyuas Kev So Haujlwm, lossis Chaw Haujlwm Tswj Xyuas Cov Neeg Ua Haujlwm, cov koomhaum no yuav txiav tawm hauv Medicare uantej txiav tawm uantej xa koj cov nyiaj pab.

Cov nyiaj txiav tawm txhua xyoo rau 2021 yog $ 203.

Yog tias koj tsis rau npe rau Medicare Part B hauv koj lub sijhawm nkag (feem ntau yog thaum koj muaj hnub nyoog 65 xyoos), koj yuav tsum them tus nqi nplua rau lub sijhawm them qeeb.

Thaum koj ua tau koj feem them ua koj feem tau them rau Medicare Tshooj B, feem ntau koj yuav them 20 feem pua ​​ntawm Medicare kev pab pom zoo kev pab nyiaj hos Medicare yuav them 80 feem pua ​​ntxiv.

Lwm yam paub

Tej zaum koj yuav yog pw hauv tsev kho mob thiab muaj Medicare Part A thiab Tshooj B them rau txhua yam koj nyob. Piv txwv li, qee tus kws kho mob lossis kws kho mob tshwj xeeb uas pom koj hauv tsev kho mob tej zaum yuav tau them rov qab los ntawm Medicare Tshooj B. Txawm li cas los xij, Medicare Tshooj A yuav them rau cov nqi koj nyob thiab cov nqi uas cuam tshuam nrog kev phais mob tsim nyog.

Cov ntsiab lus ntawm Tshooj A thiab Ntu B sib txawv

Hauv qab no koj yuav pom cov kab lus uas qhia qhov dav dav ntawm qhov txawv tseem ceeb ntawm Ntu A thiab Ntu B:

Medicare ntu A thiab Ntu B lub sij hawm rau npe

Yog tias koj lossis ib tus uas koj hlub yuav rau npe rau Medicare sai (lossis pauv kev npaj), tsis txhob nco cov sijhawm tseem ceeb no:

• Lub sijhawm nkag thaum pib: lub 3 hlis ua ntej koj 65 xyoos, lub hli hnub yug, thiab 3 hlis tom qab koj 65 xyoos
• Kev rau npe dav dav: Lub Ib Hlis 1 txog Lub Peb Hlis 31 rau Medicare Tshooj B yog tias koj tsis rau npe thaum lub sijhawm koj nkag pib
• Qhib rau npe nkag: Lub Kaum Hlis 15 txog Kaum Ob Hlis 7 rau Medicare Advantage thiab Tshooj D tshuaj yuav npaj rau npe nkag lossis hloov pauv

Cov nqa mus

Medicare Tshooj A thiab Medicare Tshooj B yog ob feem ntawm Medicare qub uas ua ke pab them feem ntau ntawm koj cov kev xav tau kev noj qab haus huv los ntawm kev pab them cov nqi tsev kho mob thiab nqi kho mob.

Kev nkag rau hauv cov phiaj xwm no raws sij hawm (3 lub hlis ua ntej mus rau 3 hlis tom qab koj lub hnub yug 65 xyoos) yog qhov tseem ceeb rau kev npaj ua kom cov nqi qis dua li sai tau.

Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 19, 2020, kom pom zoo 2021 Cov ntaub ntawv Medicare.

Cov ntaub ntawv ntawm lub vev xaib no tuaj yeem pab koj txiav txim siab tus kheej txog kev tuav pov hwm, tab sis nws tsis yog yuav pab tswv yim txog kev yuav khoom lossis kev siv cov khoom pov hwm lossis kev tuav pov hwm. Healthline Media yuav tsis hloov lag luam ntawm kev tuav pov hwm tsis hais yam twg thiab tsis tau ntawv tso cai raws li cov tuam txhab pov hwm lossis cov neeg tsim khoom hauv ib cheeb tsam ntawm Teb Chaws Asmeskas. Healthline Media tsis tau qhia lossis pom zoo rau ib tog neeg thib peb uas ua lag luam ntawm kev tuav pov hwm.