Ndeapi maMedare Ekumisikidza Mari mu2021?
Zvemukati
- Mari yangu inobata sei mari yangu yemishonga?
- Medicare Chikamu A maprimiyamu
- Medicare Chikamu B premiums
- Medicare Chikamu D maprimiyamu
- Ko zvakadii nezveMedicare Advantage zvirongwa?
- Marii yandichabhadhara yemaprimiyamu muna 2021?
- Ndingaite sei kukwidza IRMAA?
- Kubatsira kwevatori vechikamu veMedare vane mari shoma
- Medicare zvirongwa zvekuchengetedza
- Anokodzera Medicare Mubatsiri (QMB) chirongwa
- Yakatsanangurwa Yakaderera-Inowanikwa Medicare Mubatsiri (SLMB) chirongwa
- Inokodzera Individual (QI) chirongwa
- Anokodzera Mumwe nemumwe (QDWI) chirongwa
- Ndingawane rubatsiro neChikamu D mari?
- Ko zvakadii neMedicaid?
- Kutora
- Iko hakuna miganho yemari yekugamuchira Medicare mabhenefiti.
- Iwe unogona kubhadhara zvakanyanya kumabhadharo ako zvichienderana nezinga rako remari.
- Kana iwe uine mari shoma, unogona kukodzera rubatsiro mukubhadhara maprimiyamu eMedare.
Medicare inowanikwa kune vese veAmerica vane makore makumi matanhatu nemashanu kana kupfuura, zvisinei nemari. Zvisinei, mari yako yaunowana inogona kukanganisa kuti iwe unobhadhara zvakadii kufukidza.
Kana iwe ukaita mari yepamusoro, iwe uchabhadhara yakawanda yemaprimiyamu ako, kunyangwe zvako Medicare mabhenefiti asingachinje. Kune rimwe divi, iwe unogona kuve unokodzera rubatsiro kuti ubhadhare maprimiyamu kana iwe uine mari shoma.
Mari yangu inobata sei mari yangu yemishonga?
Kuvhara kweMedare kwakakamurwa kuita zvikamu.
- Medicare Chikamu A. Izvi zvinoonekwa seinishuwarenzi yechipatara uye inovhara inpatient kugara muzvipatara nenzvimbo dzekuyamwisa.
- Medicare Chikamu B. Iyi inishuwarenzi yekurapa uye inovhara kushanya kuna vanachiremba uye nyanzvi, pamwe nekukwira kwema ambulensi, majekiseni, zvekurapa, nezvimwe zvinodiwa.
Pamwe chete, zvikamu A uye B zvinowanzo kunzi "yekutanga Medicare." Mari yako yeMedicare yepakutanga inogona kusiyana zvichienderana nemari yaunowana uye nemamiriro ako.
Medicare Chikamu A maprimiyamu
Vazhinji vanhu havabhadhare chinhu cheMedare Chikamu A. Chikamu Chako A kufukidzwa mahara chero bedzi iwe uchikodzera Social Security kana Railroad Retirement Board mabhenefiti.
Iwe unogona zvakare kuwana premium-yemahara Chikamu A kufukidzwa kunyangwe iwe usati wakagadzirira kugamuchira Social Security pamudyandigere mabhenefiti parizvino.Saka, kana iwe uine makore makumi matanhatu nemashanu uye usati wagadzirira kuenda pamudyandigere, iwe unogona achiri kutora mukana wekufukidzwa kweMedare.
Chikamu A chine gore rinobvisirwa. Muna 2021, iyo inobviswa i $ 1,484. Iwe unofanirwa kushandisa mari iyi chikamu chako cheA Part A chisati chatora nzvimbo.
Medicare Chikamu B premiums
Nezve Chikamu B kufukidza, iwe unobhadhara mubhadharo gore rega rega. Vazhinji vanhu vachabhadhara iyo yakajairwa mari yekutanga. Muna 2021, mubairo wepamberi uri $ 148.50. Nekudaro, kana iwe ukaita zvinopfuura izvo zvakatemerwa mari yemitero, iwe unobhadhara yakawanda kune yako premium.
Iyo yekuwedzera mari yemari inozivikanwa seyemari-inoenderana nemari yemwedzi yekugadzirisa huwandu (IRMAA). Iyo Social Security Administration (SSA) inosarudza yako IRMAA zvichibva pamari yakawandisa pamutero wako wekudzoka. Medicare inoshandisa yako mutero kudzoka kubva makore maviri apfuura.
Semuenzaniso, iwe paunonyorera kufukidzwa kweMedare kwa2021, iyo IRS ichapa Medicare nemari yako kubva kune yako 2019 mutero wekudzoka. Unogona kubhadhara zvakanyanya zvichienderana nemari yaunowana.
Muna 2021, mari yepamusoro yepayimusi inotanga kana vanhu vachiita inodarika $ 88,000 pagore, uye inokwira ichibva ipapo. Iwe unozogamuchira IRMAA tsamba mune tsamba kubva kuSSA kana zvatemwa iwe unofanirwa kubhadhara mari yepamusoro.
Medicare Chikamu D maprimiyamu
Medicare Chikamu D inorayirwa kunyorera zvinodhaka. Chikamu cheD mapurani vane mapuramu avo akasiyana. Iyo yepasi rose mubatsiri wepayimendi yemari yeMedare Chikamu D muna 2021 iri $ 33.06, asi mutengo unosiyana.
Chikamu chako D Premium chinobva pane chirongwa chaunosarudza. Iwe unogona kushandisa iyo Medicare webhusaiti kutenga zvezvirongwa munzvimbo yako. Sezvakangoita neChipiri B chako kufukidza, iwe unobhadhara yakawedzera mutengo kana iwe ukaita yakawanda kupfuura yakatemwa mari yekutanga.
Muna 2021, kana mari yako iri pamusoro pe $ 88,000 pagore, iwe uchabhadhara IRMAA ye $ 12.30 mwedzi wega wega pamusoro pemutengo weChikamu D chako chekutanga. IRMAA zviyero zvinokwira zvichibva ipapo pamatanho epamusoro emari.
Izvi zvinoreva kuti kana iwe ukaita $ 95,000 pagore, uye ukasarudza chirongwa cheChikamu D nemari yepremiamu ye $ 36, mari yako yemwedzi wega wega ichave iri $ 48.30.
Ko zvakadii nezveMedicare Advantage zvirongwa?
Mutengo weMedicare Advantage (Chikamu C) zvirongwa zvinosiyana zvakanyanya. Zvichienderana nenzvimbo yaunogara, unogona kuve nezvakawanda zvekusarudza, zvese nemari dzakasiyana dzemaprimiyamu. Nekuti zvirongwa zveChikamu C hazvina huwandu hwehurongwa, hapana mabhureki emitengo yakakwira.
Marii yandichabhadhara yemaprimiyamu muna 2021?
Vanhu vazhinji vachabhadhara iyo yakajairwa mari yavo yeMedicare Chikamu B premium. Nekudaro, iwe uchave nechikwereti IRMAA kana iwe ukaita inodarika $ 88,000 mugore rakapihwa.
KweChikamu D, iwe uchabhadhara mari yepamberi yezano raunosarudza. Zvichienderana nemari yaunowana, iwe unobhadharawo imwezve mari kune Medicare.
Iyi tafura inotevera inoratidza mabhureki emari uye IRMAA mari yauchabhadhara Chikamu B uye Chikamu D muna 2021:
| Mari yegore negore mu2019: vasina | Mari yegore negore mu2019: vakaroora, vakabatana kufaira | 2021 Medicare Chikamu B mwedzi wepamberi | 2021 Medicare Chikamu D pamwedzi mubhadharo |
|---|---|---|---|
| ≤ $88,000 | ≤ $176,000 | $148.50 | kungori chirongwa chako chekutanga |
| > $88,00–$111,000 | > $176,000–$222,000 | $207.90 | chirongwa chako chekutanga + $ 12.30 |
| > $111,000–$138,000 | > $222,000–$276,000 | $297 | chirongwa chako chemubhadharo + $ 31.80 |
| > $138,000–$165,000 | > $276,000–$330,000 | $386.10 | chirongwa chako chekutanga + $ 51.20 |
| > $165,000– < $500,000 | > $330,000– < $750,000 | $475.20 | chirongwa chako chekutanga + $ 70.70 |
| ≥ $500,000 | ≥ $750,000 | $504.90 | chirongwa chako chekutanga + $ 77.10 |
Kune mabhureki akasiyana evakaroora vanoisa mutero zvakasiyana. Kana aya ari mamiriro ako ekunyora, iwe unobhadhara anotevera huwandu hweChikamu B:
- $ 148.50 pamwedzi kana iwe ukaita $ 88,000 kana pasi
- $ 475.20 pamwedzi kana iwe ukaita inodarika $ 88,000 uye isingasviki $ 412,000
- $ 504.90 pamwedzi kana iwe ukaita $ 412,000 kana kupfuura
Chikamu chako Chikamu B chemubhadharo chinobviswa zvakananga kubva kuSocial Security yako kana Railroad Retirement Board mabhenefiti. Kana iwe ukasagamuchira chero bhenefiti, iwe unowana bhiri kubva kuMedare kwemwedzi mitatu.
Sezvakangoita neChikamu B, kune mabhureki akasiyana evakaroorana vanoteerera zvakasiyana. Mune ino kesi, iwe uchabhadhara anotevera maprimamu echikamu D:
- chete chirongwa chekutanga kana iwe ukaita $ 88,000 kana pasi
- chirongwa chako cheprimiyamu pamwe ne $ 70.70 kana iwe ukaita inodarika $ 88,000 uye isingasvike $ 412,000
- chirongwa chako chekutanga pamwe ne $ 77.10 kana iwe ukaita $ 412,000 kana kupfuura
Medicare inokubhadharisa pamwedzi pamari yekuwedzera chikamu D.
Ndingaite sei kukwidza IRMAA?
Iwe unogona kukwidza IRMAA yako kana iwe uchitenda kuti haina kunaka kana kana iwe wakave nekuchinja kukuru mumamiriro ezvinhu ehupenyu. Iwe unozofanirwa kubata Yemagariro Kumbira kukumbira kuongororwa.
Unogona kukumbira kukwidza kana:
- iyo data yakatumirwa ne IRS yakanga isiriyo kana yechinyakare
- iwe wakagadzirisa mutero wako kudzoka uye wotenda SSA yakagamuchira isiriyo vhezheni
Iwe unogona zvakare kukumbira kukwidza kana iwe wakambove neshanduko huru kumamiriro ako emari, kusanganisira:
- kufa kwemurume / mukadzi
- kurambana
- muchato
- kushanda maawa mashoma
- kurega kana kurasikirwa nebasa rako
- kurasikirwa kwemari kubva kune imwe nzvimbo
- kurasikirwa kana kuderedzwa kwepenjeni
Semuenzaniso, kana iwe ukashanda mu2019 ukaita $ 120,000, asi iwe wakasiya basa mu2020 uye izvozvi uri kungoita madhora makumi matanhatu nemashanu kubva kubhenefiti, unogona kukwidza IRMAA yako.
Unogona kuzadza Medicare Inowanikwa-Inoenderana Nemwedzi Kugadziridza Mari - Hupenyu-Kuchinja Chiitiko fomu uye nekupa inotsigira magwaro nezvekushandurwa kwemari yako.
Kubatsira kwevatori vechikamu veMedare vane mari shoma
Vaya vane mari shoma vanogona kuwana rubatsiro kubhadhara mari yeiyo yekutanga Medicare uye Chikamu D. Zvirongwa zvekuchengetedzwa kweMedicare zviripo kubatsira kubatsira kubhadhara maprimiyamu, kubvisirwa mari, kudhara mari, uye zvimwe zvinodhura.
Medicare zvirongwa zvekuchengetedza
Kune mhando ina dzeMedicare zvirongwa zvekuchengetedza, izvo zvinokurukurwa zvakadzama muzvikamu zvinotevera.
Kubva munaNovember 9, 2020, Medicare haina kuzivisa iyo nyowani yemari uye zviwanikwa zviwanikwa kuti zvikwanise kuwana anotevera Medicare mari zvirongwa. Mari inoratidzwa pazasi ndeye 2020, uye isu tichazopa yakagadziridzwa mazana maviri nemakumi maviri emari kana vachinge vaziviswa.
Anokodzera Medicare Mubatsiri (QMB) chirongwa
Unogona kukodzera chirongwa cheQMB kana uine mari yemwedzi isingasvike $ 1,084 uye zviwanikwa zvese zviri pasi pe $ 7,860. Kune vakaroora, muganho uri pasi pe $ 1,457 pamwedzi uye pasi pe $ 11,800 yakazara. Iwe hauzove nemhosva yemitengo yemaprimiyamu, mari dzinobviswa, macopayments, kana mari yemari yekusimbisa pasi pechirongwa cheQMB.
Yakatsanangurwa Yakaderera-Inowanikwa Medicare Mubatsiri (SLMB) chirongwa
Kana iwe ukaita isingasviki $ 1,296 pamwedzi uye uine isingasviki $ 7,860 mune zviwanikwa, unogona kukodzera SLMB. Vakaroora kana kuroorwa vanofanirwa kuita isingasviki $ 1,744 uye vane madhora asingasvike $ 11,800 mune zviwanikwa kuti vakwanise. Ichi chirongwa chinofukidza ako ePrim B Chikamu.
Inokodzera Individual (QI) chirongwa
Iyo QI chirongwa zvakare inovhara Chikamu B mari uye inoitiswa nedunhu rega rega. Iwe unozofanirwa kunyorera zvekare gore rega, uye kunyorera kunotenderwa pane yekutanga-kuuya, yekutanga-yakapihwa hwaro. Iwe haugone kukodzera chirongwa cheQI kana iwe uine Medicaid.
Kana iwe uine mari yemwedzi pamwedzi isingasviki $ 1,456 kana mubatanidzwa wemwedzi pamari isingasvike $ 1,960, unokodzera kunyorera chirongwa cheQI. Iwe unozofanirwa kunge uine isingasvike $ 7 860 mune zviwanikwa. Vakaroora kana kuroorwa vanofanirwa kuve nemari isingasvike $ 11,800 mune zviwanikwa.
Miganhu yemubhadharo yakakwira muAlaska neHawaii yezvirongwa zvese. Pamusoro pezvo, kana mari yaunowana ichibva kubasa uye mabhenefiti, unogona kukodzera zvirongwa izvi kunyangwe iwe ukaita zvishoma pamusoro pemuganhu. Unogona kubata hofisi yako Medicaid hofisi kana iwe uchifunga kuti ungakwanise.
Anokodzera Mumwe nemumwe (QDWI) chirongwa
Iyo QDWI chirongwa chinobatsira kubhadhara iyo Medicare Chikamu A premium kune vamwe vanhu vari pasi pemakore makumi matanhatu nemashanu vasina kukodzera kuwana-isina-chikamu Chikamu A.
Iwe unofanirwa kusangana nezvinotevera zviwanikwa zvemari kuti unyore muchirongwa chenyika yako yeQDWI:
- mari yemunhu pamwedzi ye $ 4,339 kana pasi
- wega zviwanikwa muganho we $ 4,000
- vakaroora kana kuroorwa pamwedzi mari inosvika $ 5 833 kana pasi
- vakaroora vaviri zviwanikwa muganho we $ 6,000
Ndingawane rubatsiro neChikamu D mari?
Iwe unogona zvakare kuwana rubatsiro kubhadhara chikamu chako Chikamu D. Chirongwa ichi chinonzi Rakawedzerwa Rubatsiro. Neiyo Yekuwedzera Rubatsiro chirongwa, iwe unogona kuwana kunyorerwa pamutengo wakaderera kwazvo. Muna 2021, iwe uchabhadhara mazana emadhora e3,70 kune ejeniki kana $ 9.20 yemazita ezita mishonga.
Ko zvakadii neMedicaid?
Kana iwe uchikodzera kuMedicaid, mari yako ichafukidzwa. Iwe hausi kuzove nemhosva yemaprimiyamu kana zvimwe zvirongwa zvehurongwa.
Nyika imwe neimwe ine mitemo yakasiyana yeMedicaid kukodzera. Iwe unogona kushandisa chishandiso ichi kubva kuInishuwarenzi Inishuwarenzi Musika kuti uone kana iwe uchikwanisa kuwana Medicaid mudunhu rako.
Kutora
Unogona kuwana Medicare kufukidza zvisinei nemari yako. Ramba uchifunga kuti:
- Paunenge uchinge warova mamwe mazinga emari, iwe unozofanirwa kubhadhara yakakwira premium mitengo.
- Kana mari yako iri pamusoro pe $ 88,000, iwe uchagamuchira IRMAA uye ubhadhare mari yekuwedzera yeChipiri B uye Chikamu D kufukidzwa.
- Unogona kukwidza IRMAA kana mamiriro ako akachinja.
- Kana iwe uri mune yakaderera mari bracket, iwe unogona kuwana rubatsiro kubhadhara kune Medicare.
- Iwe unogona kunyorera kuburikidza nedunhu rako reMedicaid hofisi yezvakakosha zvirongwa uye rubatsiro rweMedare.
Ichi chinyorwa chakagadziridzwa munaNovember 10, 2020, kuratidza 2021 Medicare ruzivo.
Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.
Kukurudzirwa Iwe
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