Akaunti yeMedare Yekuchengetedza: Izvo Zvakakodzera Kwauri Here?

Zvemukati

• Chii chinonzi Medicare savings account?
• Zvakanakira account yeMedare yekuchengetedza
• Kukanganisa kweiyo Medicare yekuchengetedza account
• Ndiani anokodzera kune Medicare savings account?
• Chii chinonzi Medicare savings account chinovhara?
• Marii yakadii mari yekuchengeta account?
• Ndirini pandinogona kunyoresa muaccount mari yekuchengetedza?
• Ndeipi iri Medicare yekuchengetedza account yakakunakira iwe?
• Kutora

Medicare inovhara yakawanda yehutano hwako yehutano mushure mekusvitsa makore makumi matanhatu nemashanu, asi haifukidze zvese. Iwe unogona kuve unokodzera chirongwa chepamusoro-chinobviswa cheMedicare chinonzi Medicare savings account (MSA). Aya marongero ehutano anoshandisa akagadzika ekuchengetedza account iyo inobhadharwa gore rega nehurumende.

Kune vamwe vashandisi veMedare, aya marongero inzira yekutambanudza mari yako kumberi kana zvasvika pakufukidza mutengo wezvaunobvisa uye ma copays.

Maakaunzi ekuchengetedza maMedicare haana kunyanyo shandiswa sezvaungafunga - pamwe nekuti pane zvakawanda zvekuvhiringidzika nezvekuti ndiani anokodzera uye mashandiro avo. Chinyorwa ichi chichafukidza hwaro hweMedicare ekuchengetedza maakaundi, kusanganisira zvayakanakira nezvayakaipira kuve nayo.

Chii chinonzi Medicare savings account?

Kufanana nevashandirwi-vanotsigirwa ehutano ekuchengetedza maakaundi (HSAs), maMedare ekuchengetedza maakaunzi sarudzo kune vanhu vane yakakwira-inobviswa, yakazvimirira yehutano inishuwarenzi zvirongwa Musiyano mukuru ndewekuti maMSA rudzi rwechirongwa cheMedicare Advantage, chinozivikanwawo seMedicare Chikamu C.

Kuti ukwanise kuwana MSA, chirongwa chako cheMedicare Advantage chinofanirwa kuve chakaderedzwa chakakwira. Maitiro echinhu chakakwenenzverwa anogona kusiyana zvichienderana nekwaunogara nezvimwe zvinhu. Yako MSA inozoshanda pamwe chete neMedare kuti ubatsire kuvhara mari yako yehutano.

Vashoma chete vevanopa ndivo vanopa zvirongwa izvi. Kune vamwe vanhu, vanogona kuita pfungwa dzemari, asi vanhu vazhinji vane kunetsekana nezve yakakwira-inobvisirwa hurongwa hweinishuwarenzi. Nezvikonzero izvi, vashoma chete muzana yevanhu vari paMedicare vanoshandisa MSAs.

Kaiser Family Foundation inofungidzira kuti vashoma pane vanhu zviuru zvitanhatu vakashandisa maMSA muna2019.

MaMSA anotengeswa nemakambani einishuwarenzi akazvimirira ayo anobvumirana nemabhangi kuti agadzire maaccount ekuchengetedza. Mazhinji emakambani aya anopa kujeka nekubatanidza kuenzanisa kwezvirongwa zvavo kuitira kuti vatengi vanzwisise zvavanogona.

Kana iwe uine MSA, Mbeu dzeMedare dzinoverengera neimwe huwandu hwemari pakutanga kwegore rega. Iyi mari ichave yakakosha dhipoziti, asi haizofukidze yako yese inobviswa.

Mari iyo yakaiswa muMSA yako haina mutero. Chero bedzi iwe ukashandisa mari iri muMSA yako kumubhadharo wehutano wakakodzera, hazvina mutero kuti ubvise. Kana iwe uchifanira kutora mari kubva muMSA yako kune isina-hutano inoenderana mutengo, iyo yekubvisa mari inoenderana nemutero wemari uye 50 muzana chirango.

Pakupera kwegore, kana paine mari yasara muMSA yako, ichiri mari yako uye zvinongotenderera mugore rinotevera. Kufarira kunogona kuwedzera pamari muMSA.

Paunenge uchinge wasvitsa yako yegore yakabviswa uchishandisa iyo MSA, iyo yasara yako Medicare-inokodzera hutano hwehutano inovharirwa kuburikidza kupera kwegore.

Zvirongwa zvekuratidzira, zvinobatsira kunzwa, uye kufukidzwa kwemazino zvinopihwa kana iwe ukasarudza kubhadhara imwe yekuwedzera mari kwavari, uye iwe unogona kushandisa iyo MSA pamitengo inoenderana. Aya marudzi ehutano masevhisi haatarise kune yako inobviswa. Kudzivirira uye kuchengetedza kushanya kunogona kuvharwa kunze kwekubvisirwa kwako.

Kunyorwa kwemishonga yekunyorera, iyo inonziwo Medicare Chikamu D, haina kungovharwa pasi peMSA. Iwe unogona kutenga Medicare Chikamu D kufukidzwa zvakasiyana, uye mari yaunoshandisa pamishonga yemishonga inogona kubuda muakaundi yako yekuchengetedza Medicare.

Nekudaro, macopay pamushonga haazoverengera kune yako inobviswa. Vanoverengera vakatarisa kune iyo Medicare Chikamu D's yekubuda-muhomwe mari yekushandisa (TrOOP).

Zvakanakira account yeMedare yekuchengetedza

• Medicare inobhadhara iyo account, ichikupa mari gore rega kune yako deductible.
• Mari muMSA haina mutero chero bedzi iwe ukaishandisa iyo kune yako yehutano mari.
• MSAs inogona kuita yakakwira-inobviswa zvirongwa, izvo zvinowanzo kupa zvakazara kufukidzwa kupfuura yekutanga Medicare, mune zvemari zvinogoneka.
• Mushure mekusangana neyenyu inobvisirwa, haufanire kubhadhara mari yekutarisira iyo yakafukidzwa pasi peMedicare Chikamu A uye Chikamu B.

Kukanganisa kweiyo Medicare yekuchengetedza account

• Mari dzinobviswa dzakakwirira zvakanyanya.
• Kana iwe uchida kutora mari kubva kune yako MSA kune isiri-yehutano yemitengo, zvirango zvakadzika.
• Iwe haugone kuwedzera chero yako wega mari kune MSA.
• Mushure mekunge iwe wasangana neyako deductible, iwe uchiri kufanira kubhadhara yako yemwedzi yepimendi

Ndiani anokodzera kune Medicare savings account?

Vamwe vanhu vanokodzera Medicare havakodzere account yeMedare yekuchengetedza. Iwe hauna kukodzera MSA kana:

• unokodzera Medicaid
• uri mukutarisira varwere
• iwe une yekupedzisira nhanho renal chirwere
• unotova nehutano hwekuvhara hunogona kuvhara zvese kana chikamu chegore rako rinobvisirwa
• unogara kunze kweUnited States kwehafu yegore kana kupfuura

Chii chinonzi Medicare savings account chinovhara?

Akaunti yekuchengetedza Medicare inodiwa kuvhara chero chinhu chingave chakafukidzwa neyekutanga Medicare. Izvo zvinosanganisira Medicare Chikamu A (kuchengetwa muchipatara) uye Medicare Chikamu B (kunze kwehutano hutano).

Sezvo zvirongwa zveMedicare zvekuchengetedza account zviri zveMedare zvinobatsira zvirongwa (Medicare Chikamu C), network yevanachiremba uye kufukidza kwehutano kunogona kuve kwakazara kupfuura kweMedare yepakutanga.

Akaunti yeMedicare yekuchengetedza haingo vharidzira chiono, mazino, mishonga yemishonga, kana rubatsiro rwekunzwa. Iwe unogona kuwedzera aya marudzi ekuputira kune yako hurongwa, asi ivo vanozoda imwe yekuwedzera yemwedzi yemari.

Kuti uone kuti ndeapi mamwe marongero einishuwarenzi anowanikwa munharaunda mako kana uine MSA, bata chirongwa chako chekubatsira inishuwarenzi yehutano (SHIPI).

Zvizoro uye nzira dzekuzvisarudzira hadzina kufukidzwa neMicrosoft mari yekuchengetedza account. Sevhisi dzisina kupihwa nachiremba, seyakakwana nzira dzekuchengetedza hutano, imwe nzira yekurapa, uye zvekuwedzera zvekudya, hazvina kuvharwa. Kurapa kwepanyama, bvunzo dzekuongorora, uye chiropractic kuchengetedza inogona kuvharwa pane imwe nyaya-ne-kesi hwaro.

Marii yakadii mari yekuchengeta account?

Kana iwe uine account yekuchengetedza yeMedicare, iwe unenge uchiri kuda kubhadhara yako Medicare Chikamu B pamubhadharo pamwedzi.

Iwe unofanirwa zvakare kubhadhara mari yekutanga kunyoresa muMedare Chikamu D zvakasiyana, sezvo maMarigari ekuchengetedza maakaundi haavhare madhiragi akanyorwa uye iwe zviri pamutemo unodiwa kuti uwane kufukidzwa ikoko.

Paunenge iwe wawana dhipoziti yako yekutanga, unogona kufambisa mari kubva kuaccount yako yeMedare yekuchengetedza kuenda kuaccount account yakapihwa nerimwe rakasiyana rezvemari. Kana iwe ukasarudza kuita izvi, unogona kunge uri pasi pemitemo yebhangi iyo nezve zviyero zvidiki, mari yekuchinjisa, kana mitengo yemubereko.

Kune zvakare zvirango uye mubhadharo wekubvisa mari yechinhu chero chipi zvacho kunze kwekubvumidzwa kwehutano mari.

Ndirini pandinogona kunyoresa muaccount mari yekuchengetedza?

Unogona kunyoresa muaccount yeMedicare yekuchengetedza panguva yesarudzo yegore, pakati paNovember 15 naDec. 31 wegore rega. Iwe unogona zvakare kunyoresa muchirongwa iwe paunotanga kusaina kuMedare Chikamu Chikamu B.

Ndeipi iri Medicare yekuchengetedza account yakakunakira iwe?

Usati wanyoresa muMSA, pane mibvunzo miviri inokosha yaunoda kubvunza:

• Chii chichava chinobviswa chichava? Zvirongwa zvine maMSA zvinowanzove zvakakwirisa zvakanyanya.
• Chii chichava dhipoziti yegore rose kubva kuMedare? Bvisa dhipoziti yegore negore kubva pamari inobvisirwa uye iwe unogona kuona kuti yakawanda sei iyo inobvisirwa iwe yauchazove unoitisa Medicare isati yavhara kutarisira kwako.

Semuenzaniso, kana iyo inobvisirwa iri $ 4,000 uye Medicare iri kupa $ 1 000 kuMSA yako, uchave uine mutoro wemadhora asara zviuru zvitatu kubva muhomwe usati chengetedzo yako yafukidzwa.

Iyo Medicare yekuchengetedza account inogona kuve nemusoro kana iwe uri kushandisa yakawandisa pane yakakwira maprimiyamu uye ungasarudza kugovera iwo iwo mutengo kune iyo inobviswa. Kunyangwe hazvo iyo yakaderedzwa yakakwenenzverwa inogona kukupa iwe kunamirwa kwekunamira pakutanga, aya marongero anotora mari yako yegore saka iwe uve neruzivo rwakajeka rweuwandu hwemari yaunofanira kubhadhara.

Mune mamwe mazwi, iyo MSA inogona kugadzikana kuti yakawanda sei yaunoshandisa pakurapa zvehutano gore rega, izvo zvakakosha zvakanyanya maererano nerunyararo rwepfungwa.

Kutora

Medicare mari yekuchengetedza maakaunzi akaitirwa kupa vanhu vane Medicare rubatsiro nemari yavo inobvisirwa, pamwe nekutonga kwakawanda pamusoro pemari yavanoshandisa pakurapwa. Izvo zvinobviswa pazvirongwa izvi zvakakwirira zvakanyanya kupfuura zvakaenzana zvirongwa. Kune rimwe divi, maMSAs anovimbisa yakakosha, yemutero-yemahara dhipoziti kune yako inobviswa gore rega.

Kana iwe uri kufunga nezve account yekuchengetedza yeMedicare, ungangoda kutaura kune anoronga zvemari kana kufonera nhare yekubatsira yeMedare (1-800-633-4227) kuti uone kana imwe yakakukodzera.

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.