Mari Inobhadharwa Sei: Ndiani Anobhadhara Medicare?

Zvemukati

• Medicare inobhadharwa sei?
• Marii inodhura zvakadii muna 2020?
• Medicare Chikamu A inodhura
• Medicare Chikamu B inodhura
• Medicare Chikamu C (Kubatsira) mutengo
• Medicare Chikamu D inodhura
• Medicare Supplement (Medigap) inodhura
• Kutora

• Medicare inonyanya kupihwa mari kuburikidza neFederal Insurance Contributions Act (FICA).
• Mitero kubva kuFICA inopa kumari mbiri dzekuvimba dzinovhara mari yeMedare.
• Iyo Medicare Hospital Inishuwarenzi (HI) trust fund inovhara Medicare Chikamu A mutengo.
• Iyo Yekuwedzera Medical Inishuwarenzi (SMI) trust fund inovhara Medicare Chikamu B uye Chikamu D mutengo.
• Zvimwe zveMedare zvemari zvinotsigirwa nezvirongwa zvepuramu, trust fund chimbadzo, uye imwe mari inobvumidzwa nehurumende.

Medicare ihurumende-inobhadharwa mari yeinishuwarenzi sarudzo iyo inopa kufukidzwa kwemamirioni eAmerica ane makore makumi matanhatu nemashanu zvichikwira, pamwe nevanhuwo vane mamwe mamiriro. Kunyangwe hazvo mamwe marongero eMedicare achishambadzwa se "emahara," mari yeMedicare inosvika mazana emabhiriyoni emadhora gore rega.

Saka, ndiani anobhadhara Medicare? Medicare inobhadharwa nemari yakawanda yemitero-yakabhadharwa mari yekuvimba, trust fund chimbadzo, maprimiyamu evabatsiri, uye mari yekuwedzera inogamuchirwa neCongress.

Ichi chinyorwa chichaongorora nzira dzakasiyana siyana chikamu chimwe nechimwe cheMedare chinotsigirwa uye nemitengo inosanganisirwa nekunyoresa muchirongwa cheMedare.

Medicare inobhadharwa sei?

Muna 2017, Medicare yakafukidza vanopfuura mamirioni makumi mashanu nevanomwe, uye mari yese yekuvhara yakapfuura $ 705 bhiriyoni.

Mari yemari inoshandiswa inobhadharwa kunyanya nemari mbiri yekuvimba:

• Medicare Chipatara Inishuwarenzi (HI) trust fund
• Yekuwedzera Medical Inishuwarenzi (SMI) trust fund

Tisati tanyura mune imwe neimwe yeiyi trust mari inobhadhara iyo Medicare, isu tinofanirwa kutanga tanzwisisa kuti vanobhadharwa sei.

Muna 1935, iyo Federal Inishuwarenzi Inopa Mutemo (FICA) yakagadzwa. Iyi mutero unopihwa inovimbisa mari kune ese ari maviri Medicare uye Social Security zvirongwa kuburikidza nemubhadharo uye mari yemitero. Heano maitiro anoshanda:

• Pamubhadharo wako wakakura, 6.2 muzana inobvisirwa Social Security.
• Uye zvakare, 1.45 muzana yemubhadharo wako wakakomba unosungirwa Medicare.
• Kana iwe uchishandiswa nekambani, waunoshandira anoenderana ne6,2 muzana yeSocial Security uye 1.45 muzana yeMedare, kwehuwandu hwe7,65 muzana.
• Kana iwe uri wega-uchizvishandira, iwe unobhadhara iyo yekuwedzera 7.65 muzana mumitero.

Iko 2.9 muzana mutero unopihwa weMedare unoenda wakanangana nemaviri ekuvimba mari ayo anopa kufukidzwa kweMedicare mari. Vese vanhu vari kushanda muUnited States vanopa mitero yeFICA kubhadhara chirongwa chazvino cheMedicare.

Zvimwe zvinyorwa zveMedare mari zvinosanganisira:

• mitero inobhadharwa pamubhadharo weSocial Security
• chikwereti kubva kumari mbiri dzekuvimba
• mari inogamuchirwa neCongress
• maprimiyamu kubva kuMedare zvikamu A, B, uye D

Iyo Medicare HI trust fund inonyanya kupa mari yeMedicare Chikamu A. Pasi peChikamu A, vanobatsirwa vanovharirwa mabasa epachipatara, kusanganisira:

• chipatara chekuchengetwa kwechipatara
• inpatient yekudzoreredza kuchengetwa
• nzvimbo yekuchengetedza
• kuchengetwa kwehutano hwepamba
• kutarisira varwere

Iyo SMI trust fund inonyanya kupa mari kune Medicare Chikamu B uye Medicare Chikamu D. Pasi peChikamu B, vanobatsirwa vanogashira kufambiswa kwemabasa ekurapa, kusanganisira:

• mabasa ekudzivirira
• mabasa ekuongorora
• mabasa ekurapa
• hutano hwepfungwa mabasa
• mimwe mishonga inonyorwa uye majekiseni
• midziyo yezvokurapa yakasimba
• kliniki miedzo

Mari mbiri dzekuvimba dzinobatsirawo kubhadhara Medicare manejimendi, senge kuunganidza Mitero yemitero, kubhadhara mubhadharo, uye kubata nenyaya dzeMedicare kubiridzira uye kushungurudzwa.

Kunyangwe Medicare Chikamu D ichigamuchira imwe mari kubva kune iyo SMI trust fund, chikamu chemari kune ese Medicare Chikamu D uye Medicare Advantage (Chikamu C) chinouya kubva kune avo vanobatsirwa.ZveMedicare Advantage zvirongwa kunyanya, chero mari isina kuvharwa neMedare mari inofanira kubhadharwa neimwe mari.

Marii inodhura zvakadii muna 2020?

Kune akasiyana mitengo inosanganisirwa nekunyoresa muMedare. Heano mamwe aunozoona mune yako Medicare chirongwa:

• Zviripo. Iyo premium ndiyo mari yaunobhadhara kuti ugare wakanyoreswa muMedare. Zvikamu A uye B, izvo zvinoumba yekutanga Medicare, ese ane mapuramu emwedzi. Zvimwe zveMedare Chikamu Chikamu C (Advantage) zvirongwa zvine peyimendi yakasarudzika, pamusoro peiyo yekutanga Medicare mutengo. Chikamu cheD zvirongwa uye zvirongwa zveMedigap zvakare inobhadharisa mari yemwedzi.
• Zvinobviswa. Iyo inobviswa ndiyo huwandu hwemari iwe yaunobhadhara pamberi peMedare ichavhara masevhisi ako. Chikamu A chine chinobviswa panguva yebhenefiti, nepo Chikamu B chine chinobviswa pagore. Zvimwe zvikamu zveDhipatimendi uye zvirongwa zveMedare zvinobatsira zvine chekuita nezvinodhaka zvakare zvine mushonga unobviswa.
• Copayments. Makopi ari kumusoro-kumberi mubhadharo iwe waunobhadhara pese paunoshanyira chiremba kana nyanzvi. Medicare Advantage zvirongwa, kunyanya Health Maintenance Organisation (HMO) uye Preferred Provider Organisation (PPO) zvirongwa, vanobhadharisa mari dzakasiyana pakushanya uku. Medicare Chikamu D inoronga kubhadharisa akasiyana macopayments zvichienderana nemishonga iwe yaunotora.
• Coinsurance. Coinsurance ndiyo muzana yemutengo wemasevhisi aunofanirwa kubhadhara muhomwe. Kune Medicare Chikamu A, iko kuvimbiswa kwemari kunowedzera iyo yaunowedzera kushandisa iwe chipatara masevhisi. Kune Medicare Chikamu B, iyo coinsurance iseti yakatarwa muzana. Medicare Chikamu D inobhadharisa kungave iko kusimbiswa kwemari kana kubhadhara kwemishonga yako.
• Kunze-kwe-muhomwe maximums. Zvese zvirongwa zveMedare zvinobatsira kuisa kapu yemarii yauchazoshandisa muhomwe; izvi zvinonzi huwandu hwekunze-kwehomwe. Huwandu uhwu hunosiyana zvichienderana nechirongwa chako cheAdvantage.
• Mari dzemasevhisi asina kufukidzwa nezano rako. Kana iwe wakanyoreswa muchirongwa cheMedicare chisingavhare masevhisi aunoda, uchave nebasa rekubhadhara mari idzi muhomwe.

Chikamu cheMedicare chimwe nechimwe chine mutengo wakasiyana, sezvakanyorwa pamusoro. Pamwe pamwe nemari mbiri yekuvimba iyo yakagadzirirwa chikamu chimwe nechimwe cheMedare, imwe yemitengo yemwedzi uno inobatsirawo kubhadhara mabasa eMedare.

Medicare Chikamu A inodhura

Chikamu A premium iri $ 0 kune vamwe vanhu, asi inogona kuve yakakwira kunge $ 458 kune vamwe, zvichienderana nekuti wakashanda kwenguva yakareba sei.

Chikamu A chinobviswa i $ 1,408 pamabhenefiti nguva, iyo inotanga nguva yaunogamuchirwa kuchipatara uye inopera kana waburitswa kwemazuva makumi matanhatu.

Chikamu Chikamu chekupihwa mari ndeye $ 0 kwemazuva makumi matanhatu ekutanga ekugara kwako muchipatara. Mushure mezuva makumi matanhatu, mari yako yemubhadharo inogona kubva pamadhora mazana matatu nemakumi maviri nepfumbamwe kwemazuva makumi matanhatu kusvika makumi mapfumbamwe kusvika pamadhora mazana manomwe nemakumi mana emakumi mana ezvenguva yemazuva makumi mapfumbamwe nemasere.Iyo inogona kuenda kusvika kuzana muzana yemitengo, zvichienderana nehurefu gara.

Medicare Chikamu B inodhura

Chikamu chePrim B chinotanga pamadhora zana nemakumi mana nemakumi matanhatu uye chinowedzera zvichibva padanho repamari rekuwana mari.

Chikamu B chinobviswa i $ 198 yegore ra2020. Kusiyana neChikamu A chinobviswa, mari iyi iri pagore kwete pane nguva yemabhenefiti.

Chikamu B coinsurance ndeye makumi maviri kubva muzana emutengo wemari yako inogamuchirwa neMedare. Iyi ndiyo mari iyo Medicare yakabvuma kubhadhara mupi wako kune ako ekurapwa masevhisi. Mune zvimwe zviitiko, iwe unogona zvakare kuve nechikwereti cheChikamu B chakanyanya kubhadharisa.

Medicare Chikamu C (Kubatsira) mutengo

Mukuwedzera kune zvinodhura zveMedare yepakutanga (zvikamu A uye B), mamwe marongedzero eMedicare Advantage anobhadharisa mari yepamwedzi yekugara yakanyoreswa. Kana iwe wakanyoreswa muChikamu C chirongwa chinofukidza mishonga yekunyorera, iwe ungatofanira kubhadhara mushonga unobvisirwa, macopayments, uye coinsurance. Uyezve, iwe unenge uine mutoro wemari yekubhadhara paunoshanyira chiremba wako kana nyanzvi.

Medicare Chikamu D inodhura

Chikamu D chikamu chinosiyana zvichienderana nechirongwa chaunosarudza, icho chinogona kukanganiswa nenzvimbo yako nekambani inotengesa hurongwa. Kana iwe wakanonoka kunyoresa muchikamu chako cheDhipatimendi D, iyi premium inogona kunge iri yepamusoro.

Chikamu D chinobviswa chinosiyanawo zvichienderana nehurongwa hwaunonyoresa. Mari yakanyanya kuderedzwa iyo chero chikamu Chikamu D chinogona kukuchaja i $ 435 muna 2020.

Chikamu cheDhipatimendi kukopa uye mari yemubhadharo inotsamira chose chose pamishonga yauri kutora mukati mehurongwa hwezvinodhaka. Zvirongwa zvese zvine formulary, iri boka remishonga yese inorongwa nechirongwa.

Medicare Supplement (Medigap) inodhura

Mubairo weMedigap unosiyana zvichienderana nerudzi rwekuvhara iwe kwaunonyorera. Semuenzaniso, zvirongwa zveMedigap zvine vashoma vanyoresa uye kufukidzwa kwakawanda kunogona kudhura kupfuura zvirongwa zveMedigap zvinovhara zvishoma.

Ingo rangarira kuti kana iwe uchinyoresa muchirongwa cheMedigap, mamwe emari yepakutanga yeMedare zvino ichafukidzwa nechirongwa chako.

Kutora

Medicare inobhadharwa zvakanyanya kuburikidza netrust mari, mwedzi wega wega vanobatsirwa mari, Congress-yakatenderwa mari, uye trust fund kufarira. Medicare zvikamu A, B, uye D zvese zvinoshandisa trust fund mari kubatsira kubhadhara masevhisi. Kuwedzera Medicare Kubatsira kufukidzwa kunotsigirwa nerubatsiro rwemabhadharo emwedzi wega wega.

Mari dzinosanganisirwa neMedicare dzinogona kuwedzera, saka zvakakosha kuti uzive zvauchange uchibhadhara muhomwe kana iwe wanyora muchirongwa cheMedicare.

Kuti utengere uchitenderedza zvirongwa zveMedare munzvimbo yako, shanyira Medicare.gov kuti uenzanise sarudzo dziri pedyo newe.