Ndobhadhara Sei Medicare?

Zvemukati

• Mhedziso
• Ndiani anokodzera kufukidzwa kweMedare?
• Zano rimwe nerimwe rinodhura zvakadii?
• Medicare Chikamu A - Chipatara
• Medicare Chikamu B - Kurapa / kushanya kwachiremba
• Medicare Chikamu C - Zvirongwa zvekubatsira (chipatara, chiremba, uye mushonga)
• Medicare Chikamu D - Kunyorerwa zvinodhaka
• Iwe unogona sei kudzikisa Medicare mutengo?

Mhedziso

Kana iwe uri kufunga nezve kuenda pamudyandigere, haungatombotanga kuronga zvakanyanya kare. Zviri nani kutanga kuronga kanokwana mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu. Izvi zvinokubatsira iwe kuita sarudzo ine ruzivo uye kudzivirira zvirango zvekutadza nguva yekunyora.

Ndiani anokodzera kufukidzwa kweMedare?

Kana iwe wave kuda kusvika makumi matanhatu nemashanu kana kuti watove nemakore makumi matanhatu nemashanu kana kupfuura, unofanirwa kupindura mibvunzo mishoma yakakosha:

• Iwe uri mugari weU.S. kana mugari wepamutemo?
• Wakave wakagara muUnited States kwenguva isingasviki makore mashanu?
• Wakamboshanda makore angangoita gumi muMedicare-yakafukidzwa basa kana wakapa zvakaenzana kuburikidza wega-basa mutero?

Kana iwe ukapindura hongu kune iyi yese mibvunzo, iwe unokodzera kunyoresa muMedare. Kana iwe ukasasangana nematanho aya, unogona kunyoresa muMedare asi iwe unofanirwa kubhadhara mari yemwedzi wega wega.

Kune vanhu vazhinji, Medicare Chikamu A (muchipatara) muchapihwa kwamuri pasina muripo. Medicare Chikamu B (chiremba anoshanyira / kurapwa) kwechinyakare chirongwa cheMedare chirongwa chakasarudzwa.

Iwe unozobhadhara mubhadharo mwedzi wega wega weMedare Chikamu B. Kana iwe ukawana Social Security, Railroad Retirement Board, kana Hofisi yeVashandi Management mabhenefiti, chikamu chako chePrim B chinobviswa otomatiki kubva kubhadharo yako yekubhadhara. Ukasawana mari dzekubatsirwa idzi, unowana bhiri.

Kana iwe uchifarira Medicare Advantage Plans (inosanganisa kufukidza) kungave kuburikidza nekutanga kunyoresa kana shanduko mukuvhara, une zvakawanda zvinhu zvekufunga nezvazvo. Chinokosha ndechekutarisa chirongwa chinosangana nezvose zvaunoda uye zvinokwana mukati mebhajeti rako.

Iwe uchabhadhara akakwira epamwedzi maprimiyamu mukutsinhana yakaderera kunze-kwehomwe mari. Muzviitiko zvakawanda, pachave nekubvisirwa mari uye macopay kune mazhinji ekurapa masevhisi, zvigadzirwa, uye maitiro. Kana iwe ukasarudza Medicare Chirongwa D (chinyoreso) kufukidza, iwe uchazobhadharawo mari yemwedzi.

Zano rimwe nerimwe rinodhura zvakadii?

Imwe neimwe chirongwa cheMedare chine zvipo zvakasiyana uye nemitengo yakasiyana. Hezvino tarisiro pamitengo inosanganisirwa nechirongwa chega chega, kusanganisira maprimiyamu, macopay, uye kunze-kwehomwe mari.

Medicare Chikamu A - Chipatara

Kune vanhu vazhinji, Chikamu A chinopihwa kwauri pasina muripo. Kana iwe uchida kutenga Chikamu A, iwe unobhadhara kusvika kumadhora mazana mana nemakumi manomwe nenomwe pamwedzi wega wega.

Mari inobvisirwa madhora 1,364 inofanirwa kubhadharwa nemubatsiri weinishuwarenzi (iwe) panguva yega yega yekubatsirwa.

Mari dzekubhadhara dzinoenderana nenhamba yemazuva ekurapwa muchipatara.

Mari yekunonoka kunonoka inogona kuenzana ne10 muzana yemari yako yekutanga. Iyo fizi inobhadharwa kaviri iyo nhamba yemakore iwe yausina kunyoresa.

Iko hakuna kwekunze-kwehomwe yakakwira kune iyo mari yaunobhadhara.

Medicare Chikamu B - Kurapa / kushanya kwachiremba

Vanhu vazhinji vanobhadhara $ 135.30 mwedzi wega wega. Vamwe vari pamwero wepamusoro-soro vanobhadhara zvakanyanya.

Iyo inobviswa ndeye $ 185 pagore. Mushure mekunge yako yakabviswa yasangana, iwe unowanzobhadhara makumi maviri muzana emitengo yemasevhisi.

Unogona kutarisira kubhadhara:

• $ 0 yeMedicare-inogamuchirwa marabhoritari masevhisi
• $ 0 yemabasa epamba ekuchengetedza hutano
• 20 muzana yemari inobvumidzwa neMedare yemidziyo yekurapa yakasimba, senge wekufamba, wiricheya, kana mubhedha wechipatara
• 20 muzana yezvekunze kwehutano hutano hwepfungwa
• 20 muzana yemabasa epachipatara evarwere

Mari yekunonoka kunonoka inogona kuenzana ne10 muzana yemari yako yekutanga. Iyo fizi inobhadharwa kaviri iyo nhamba yemakore iwe yausina kunyoresa.

Iko hakuna kwekunze-kwehomwe yakakwira kune iyo mari yaunobhadhara.

Medicare Chikamu C - Zvirongwa zvekubatsira (chipatara, chiremba, uye mushonga)

Chikamu C chemari yepamwedzi pamwedzi inosiyana zvichienderana nemari yako yaunotaura kwemakore maviri, sarudzo dzekubatsira, uye chirongwa chaicho.

Mari iwe yaunobhadhara yeChipi C inobviswa, makopi, uye mari yekusimbisa inosiyana nechirongwa.

Kufanana neyechinyakare Medicare, Advantage Zvirongwa zvinoita kuti iwe ubhadhare chikamu chemutengo wekuvharwa kwehutano mabasa. Mugove wako webhiri unowanzo kubva pamakumi maviri kubva muzana kusvika makumi mana muzana kana kupfuura, zvinoenderana nekutarisirwa kwaunowana.

Ese Advantage Zvirongwa zvine muganho wegore pane ako ekunze-muhomwe emari yekurapwa masevhisi. Ivhareji kunze-kwe-muhomwe muganho unowanzo kubva pamadhora zviuru zvitatu kusvika pamadhora mazana mana.Muna 2019, iyo yekupedzisira-ye-muhomwe muganho ndeye $ 6,700.

Nezvirongwa zvakawanda, kana uchinge wasvika pamuganhu uyu, hapana chaunobhadhara pamasevhisi akafukidzwa. Chero mari yemwedzi wega wega iwe yaunobhadharira Medicare Advantage kufukidza haina kuverenga kune yako chirongwa yekubuda-kwehomwe yakakwira.

Chero ipi mari inobhadharwa kune yekunze mishonga yemishonga inovhara (Chikamu D) haishande kune yako yekunze-kwehomwe yakakwira.

Medicare Chikamu D - Kunyorerwa zvinodhaka

Chikamu chePamu D chemari yepasi pamwedzi inosiyana nehurongwa hwaunosarudza nenzvimbo yenyika yaunogara. Anogona kubva pamadhora gumi kusvika pamadhora zana pamwedzi. Maprimiyamu anogona kunge ari pamusoro zvichibva pamari yako yaunotaura kwemakore maviri usati wanyoresa.

Mari yaunobhadhara yako Chikamu D yegore rinobvisirwa haigone kudarika $ 360.

Mushure mekunge iwe wasvika yakatemerwa huwandu mucopayments, iwe wasvika iyo yekuvhara mukaha, inonziwo "iyo donut hole." Zvinoenderana newebsite yeMedicare yegore ra2019, kana iwe nechirongwa chako mapedza madhora zviuru mazana matatu nemazana masere pamishonga yakafukidzwa, muri mubako rekuvhara. Iyi mari inogona kuchinja gore negore. Pamusoro pezvo, vanhu vanokodzera rubatsiro rwekuwedzera kubhadhara chikamu Chikamu D, havawire mugomba.

Pakati pegwanza rekuvhara, iwe unobhadhara makumi maviri neshanu muzana pamazita mazhinji emazita ezita, uye makumi matatu nematatu muzana pamishonga inowanzoitwa Kana iwe uine chirongwa cheMedare chinosanganisira kufukidza mugeji, unogona kuwana imwe dhisikaundi mushure mekunge kufukidzwa kwako kuchishandiswa pamutengo wemushonga. Dzvanya apa kuti uwane ruzivo rwekumusoro-pane pane gwanza rekuvhara.

Paunenge uchinge wapedza madhora zviuru mazana mashanu nezviuru kubva muhomwe, wabuda muhomwe yekuvhara uye unozvipinza mune izvo zvinonzi "zvine njodzi kufukidza." Kana iwe uri mune yakashata kufukidza, iwe unongotamba iyo diki yemari yekusimbiswa (kukopa) yemishonga yakafukidzwa kwegore rese.

Mari yekunonoka kunonoka inogona kuenzana ne10 muzana yemari yako yekutanga. Iyo fizi inobhadharwa kaviri iyo nhamba yemakore iwe yausina kunyoresa.

Iwe unogona sei kudzikisa Medicare mutengo?

Ita shuwa kuti iwe unonyoresa panguva yako inodiwa nguva kuti udzivise zvinokwanisika zvirango, uye chete sarudza iyo kufukidza iyo iwe yaunofunga kuti iwe yauchazoshandisa. Kana iwe ukatora mashoma ekurapwa mishonga kana iwe ukatora yakaderera-mutengo zvinodhaka, iwe ungangodaro usiri kuda kutenga inonyorwa yemishonga kufukidza.

Kunyangwe iwe ukasarudza chirongwa chemushonga chemishonga kana kuti kwete, kukumbira generic vhezheni yemazita-zita mishonga inogona zvakare kukuchengetedza mari.

Mamwe mapurogiramu kuburikidza neMedare anogona zvakare kukubatsira iwe kubhadhara ako maprimiyamu. Kuti ukwanise zvirongwa izvi, unofanirwa:

• kuve unokodzera Chikamu A
• uve nemari yekuwana yakaenzana kana kana yakaderera pane yakanyanya mari pachirongwa
• vane zvishoma zvigadzirwa

Iwo mapurogiramu mashanu aripo parizvino ndeaya:

• Anokodzera Medicare Mubatsiri (QMB) Chirongwa
• Yakatsanangurwa Yakaderera-Inowanikwa Medicare Mubatsiri (SLMB) Chirongwa
• Anokodzera Mumwe nemumwe (QI) Chirongwa
• Vanokodzera Vakaremara Kushanda Vakasarudzika (QDWI) Chirongwa
• Yekuwedzera Rubatsiro chirongwa chemushonga wemishonga (Medicare Chikamu D)

Aya mapurogiramu anogona kukubatsira iwe kubhadharira Chikamu Chikamu A uye Chikamu B mapuramu, uye zvimwe zvinodhura senge zvinobviswa, kubhadharwa kwemari, uye kubhadhara.