Chii chinonzi IRMAA? Izvo Zvaunoda Kuti Uzive Nezve Inowanikwa-Yakavakirwa Mahara Ekuwedzera
Zvemukati
- Ndezvipi zvikamu zveMedare zvinokanganisa IRMAA?
- Medicare Chikamu A
- Medicare Chikamu B
- Medicare Chikamu C
- Medicare Chikamu D
- Marii iyo IRMAA ichawedzera kune yangu Chikamu B mutengo?
- Marii iyo IRMAA ichawedzera kune yangu Chikamu D mutengo?
- IRMAA inoshanda sei?
- Ndingaite sei kukwidza IRMAA?
- Ndinga kwidze rini?
- Ndeapi mamiriro ezvinhu andingakwidze?
- Ndeapi magwaro andichazoda kupa?
- Ndinoendesa sei chikumbiro?
- Muenzaniso we IRMAA kukwidza
- Kutora
- IRMAA mutero unowedzerwa pamwedzi wako weMedare Chikamu B uye Chikamu chepamuyamu, zvichibva pamari yako yegore.
- Iyo Social Security Administration (SSA) inoshandisa ruzivo rwako rwemutero kubva pamakore maviri apfuura kuti uone kana iwe uine chikwereti IRMAA mukuwedzera kune yako yemwedzi wepamberi.
- Mari yekuwedzera yauchabhadhara inoenderana nezvinhu zvakaita seyako bracket uye mawaniro awakaita mitero.
- IRMAA sarudzo dzinogona kukwidzwa kana paine kukanganisa mune yeruzivo ruzivo rwakashandiswa kana kana iwe wakasangana nehupenyu hwekuchinja chiitiko chakaderedza mari yako.
Medicare chirongwa cheinishuwarenzi chehutano chehutano chevanhu vane makore makumi matanhatu nemashanu zvichikwira uye avo vane mamwe mamiriro ehutano. Yakagadzirwa nezvikamu zvakati wandei. Muna 2019, Medicare yakafukidza vangangoita mamirioni makumi matanhatu nematanhatu vekuAmerica uye inofungidzirwa kuti ichawedzera kusvika kumamirioni makumi manomwe neshanu na2027.
Zvikamu zvakawanda zveMedare zvinosanganisira kubhadhara mari yemwedzi. Mune zvimwe zviitiko, mari yako yemwedzi wega wega inogona kugadziriswa zvichienderana nemari yaunowana. Imwe yenyaya dzakadai inogona kunge iri yemari-inoenderana nemwedzi yekugadzirisa huwandu (IRMAA).
IRMAA inoshanda kune vanobatsirwa naMedare avo vane mari yepamusoro. Ramba uchiverenga kuti udzidze zvakawanda nezve IRMAA, mashandiro ayo, uye zvikamu zveMedicare izvo zvinoshanda kwazviri.
Ndezvipi zvikamu zveMedare zvinokanganisa IRMAA?
Medicare ine akati wandei zvikamu. Chikamu chega chega chinofukidza rudzi rwakasiyana rwehutano hwakanangana nehutano. Pazasi, isu tichaputsa zvikamu zveMedare uye tiongorore kana zvakakanganiswa neIRMAA.
Medicare Chikamu A
Chikamu A inishuwarenzi yechipatara. Inovhara kugara kwevanorwara munzvimbo dzakadai sezvipatara, nzvimbo dzekuyamwisa dzine hunyanzvi, uye nzvimbo dzehutano hwepfungwa. IRMAA haina kukanganisa Chikamu A. Muchokwadi, vanhu vazhinji vane Chikamu A havatombobhadhara mari yemwedzi yazvo.
Chikamu A maprimiyamu anowanzo kuve emahara nekuti iwe wakabhadhara maMedare eMitero kune imwe nguva yenguva iwe paunenge uchishanda. Asi kana iwe usati wabhadhara Medicare mutero kweinenge makumi matatu makota kana kutadza kusangana nezvimwe zvezvimwe zvinodiwa zveprimiyamu-yemahara kufukidzwa, saka yakajairwa pamwedzi mubhadharo weChikamu A iri $ 471 muna 2021.
Medicare Chikamu B
Chikamu B inishuwarenzi yekurapa. Inovhara:
- dzakasiyana siyana dzekunze dzehutano
- midziyo yezvokurapa yakasimba
- mamwe marudzi ekudzivirira kwekudzivirira
IRMAA inogona kukanganisa yako Chikamu B premium mutengo. Zvichienderana nemari yako yegore rega, imwe yekuwedzera inogona kuwedzerwa kune yakajairwa Chikamu B premium. Tichakurukura nezve maficha ekuti ichi chiwedzero chinoshanda sei muchikamu chinotevera.
Medicare Chikamu C
Chikamu C chinonziwo Medicare Advantage. Aya marongero anotengeswa nemakambani einishuwarenzi akazvimirira. Medicare Advantage zvirongwa zvinowanzovhara masevhisi ayo ekutanga Medicare (zvikamu A uye B) asingavhare, senge mazino, kuona, uye kunzwa.
Chikamu C hachikanganiswa ne IRMAA. Iwo maprimiyamu emwedzi weChikamu C anogona kusiyana zvakanyanya zvichibva pazvinhu zvakaita seyako hurongwa, kambani iri kupa yako hurongwa, nenzvimbo yako.
Medicare Chikamu D
Chikamu D ndeyekunyorerwa zvinodhaka. Sezvakaita Chikamu C zvirongwa, Chikamu D zvirongwa zvinotengeswa nemakambani akazvimirira.
Chikamu D chinokanganiswa ne IRMAA. Sezvo neChikamu B, chiwedzero chinogona kuwedzerwa kune yako yemwedzi mubhadharo, zvichibva pamari yako yegore. Izvi zvakasiyana nemubhadharo unogona kuwedzerwa kuchikamu cheBiri B.
Marii iyo IRMAA ichawedzera kune yangu Chikamu B mutengo?
Muna 2021, iwo mwero weprimiyamu pamwedzi weChikamu B ndeye $ 148.50. Zvichienderana nemari yako yegore, iwe unogona kunge uine yekuwedzera IRMAA yekuwedzera.
Iyi mari inoverengwa uchishandisa yako yemari yemutero ruzivo kubva kumakore maviri apfuura. Saka, ye2021, yako yemutero ruzivo kubva ku2019 ichaongororwa.
Mari yekuwedzeredza inosiyana zvichienderana neyako mari yaunowana uye nemabatiro awakaisa mutero. Tafura iri pazasi inogona kukupa iwe pfungwa yezvinodiwa kutarisira muna 2021.
| Mari yegore negore mu2019: mumwe nemumwe | Mari yegore negore mu2019: vakaroora, kufaira pamwe chete | Mari yegore negore mu2019: vakaroora, kufaira zvakasiyana | Chikamu B pamwedzi wepamberi we2021 |
|---|---|---|---|
| ≤ $88,000 | ≤ $176,000 | ≤ $88,000 | $148.50 |
| > $88,00–$111,000 | > $176,000–$222,000 | - | $207.90 |
| > $111,000–$138,000 | > $222,000–$276,000 | - | $297 |
| > $138,000–$165,000 | > $276,000–$330,000 | - | $386.10 |
| > $165,000– < $500,000 | > $330,000– < $750,000 | > $88,000– < $412,000 | $475.20 |
| ≥ $500,000 | ≥ $750,000 | ≥ $412,000 | $504.90 |
Marii iyo IRMAA ichawedzera kune yangu Chikamu D mutengo?
Iko hakuna chiyero chepamwedzi chemari yepasi yezvirongwa zveChikamu D. Iyo kambani iri kupa mutemo inozoona mari yayo yemwedzi nemwedzi.
Iyo yekuwedzera yechikamu D inotemerwa zvakare zvichibva pane yako yemari yemutero ruzivo kubva makore maviri apfuura. Sezvo neChikamu B, zvinhu zvakaita semubhadharo wako wemari uye nemabatiro awakaita mamitero ako anokanganisa mari yekuwedzera.
Iyo yekuwedzera yekuwedzera yeChikamu D inobhadharwa yakananga kuMedare, kwete kune wako mupi wezano. Tafura iri pazasi inopa ruzivo pamusoro peChikamu D mari yekuwedzera ye2021.
| Mari yegore negore mu2019: mumwe nemumwe | Mari yegore negore mu2019: vakaroora, kufaira pamwe chete | Mari yegore negore mu2019: vakaroora, kufaira zvakasiyana | Chikamu D pamwedzi mubhadharo we2021 |
|---|---|---|---|
| ≤ $88,000 | ≤ $176,000 | ≤ $88,000 | chirongwa chako chenguva dzose chirongwa |
| > $88,00–$111,000 | > $176,000–$222,000 | - | chirongwa chako chemubairo + $ 12.30 |
| > $111,000–$138,000 | > $222,000–$276,000 | - | chirongwa chako chekutanga + $ 31.80 |
| > $138,000–$165,000 | > $276,000–$330,000 | - | chirongwa chako chemubairo + $ 51.20 |
| > $165,000– < $500,000 | > $330,000– < $750,000 | > $88,000– < $412,000 | chirongwa chako chekutanga + $ 70.70 |
| ≥ $500,000 | ≥ $750,000 | ≥ $412,000 | chirongwa chako chemubairo + $ 77.10 |
IRMAA inoshanda sei?
Iyo Social Security Administration (SSA) inosarudza yako IRMAA. Izvi zvinoenderana neruzivo rwunopihwa neInternal Revenue Service (IRS). Iwe unogona kugamuchira chiziviso kubva kuSSA nezve IRMAA chero nguva yegore.
Kana iyo SSA ikafunga kuti IRMAA inoshanda kune ako maMedhirire maprimiyamu, iwe uchagashira kufanosarudzira chiziviso mutsamba. Izvi zvinokuzivisa iwe nezve yako chaiyo IRMAA uye zvakare inosanganisira ruzivo senge:
- iyo IRMAA yakaverengerwa sei
- zvekuita kana ruzivo rwakashandiswa kuverenga iyo IRMAA isiriyo
- zvekuita kana iwe uine kudzikiswa kwemari kana chiitiko chinoshandura hupenyu
Iwe unozobva wagamuchira kekutanga kutsunga chiziviso mutsamba mazuva makumi maviri kana kupfuura mushure mekuwana kufanotemerwa chiziviso. Izvi zvinosanganisira ruzivo nezve IRMAA, painotanga kushanda, uye nhanho dzaungatore kukwidza nyaya.
Iwe haufanire kutora chero chiito chekuwedzera kubhadhara zvibhadharo zvine chekuita neIRMAA. Ivo vanozowedzerwa otomatiki kune ako ekutanga mabhiri.
Gore rega rega, iyo SSA inoongorora zvakare kana IRMAA ichizonyorera kune ako Medicare maprimiyamu. Saka, zvinoenderana nemari yaunowana, IRMAA inogona kuwedzerwa, kuvandudzwa, kana kubviswa.
Ndingaite sei kukwidza IRMAA?
Kana iwe usingatendi iwe unofanirwa kuve nechikwereti IRMAA, unogona kukwidza sarudzo. Ngatinyatsoongororai kuti maitiro aya anoshanda sei.
Ndinga kwidze rini?
Unogona kukwidza sarudzo ye IRMAA mukati memazuva makumi matanhatu ekugamuchira IRMAA yekuzivisa chiziviso mutsamba. Kunze kwenguva ino, iyo SSA ichaongorora kana iwe uine chikonzero chakanaka chekunonoka kukwidza.
Ndeapi mamiriro ezvinhu andingakwidze?
Pane mamiriro maviri kana iwe uchigona kukwidza IRMAA.
Mamiriro ekutanga anosanganisira ruzivo rwemutero rinoshandiswa kuona iyo IRMAA. Mimwe mienzaniso yemamiriro emitero kana iwe ungangoda kukwidza IRMAA inosanganisira:
- Iyo data inoshandiswa neSSA kuona iyo IRMAA haina kunaka.
- Iyo SSA yakashandisa dhara rekare kana rekunze-re-date kuona IRMAA.
- Iwe wakatumira kudzokororwa mutero kudzoka mukati megore iro SSA iri kushandisa kuona iyo IRMAA.
Mamiriro echipiri anosanganisira zviitiko zvinoshandura hupenyu. Izvi zviitiko zvinokanganisa zvakanyanya mari yaunowana. Kune zviitiko zvinomwe zvinokodzera:
- muchato
- kurambana kana kuroorwa
- kufa kwemurume / mukadzi
- kuderedzwa kwebasa
- kumiswa kwebasa
- kurasikirwa kana kudzikiswa kwemamwe marudzi epenjeni
- kurasikirwa kwemari kubva kune inowanisa mari
Ndeapi magwaro andichazoda kupa?
Zvinyorwa iwe zvaunoda kupa sechikamu chekukwidza kwako zvinoenderana nemamiriro ako. Zvinogona kusanganisira:
- federal mari yemitero inodzoka
- chitupa
- chirevo chekurambana kana chekudzima muchato
- chitupa chekufa
- makopi emabhadharo ekubhadhara
- saini chirevo kubva kune waunoshandira chinoratidza kudzikiswa kana kumiswa kwebasa
- tsamba kana chirevo chinoratidza kurasikirwa kana kudzikiswa kwepenjeni
- chirevo kubva kune inishuwarenzi yekugadzirisa inoratidzira kurasikirwa kweimba inowanisa mari
Ndinoendesa sei chikumbiro?
Kukwirira kunogona kunge kusiri madikanwa. Iyo SSA dzimwe nguva ichaita chitsva chekutanga kusarudza ichishandisa zvinyorwa zvakagadziridzwa. Kana iwe usingakodzeri kutanga kutsva kwekutanga, unogona kukwidza sarudzo yeIRMAA.
Iwe unogona kubata iyo SSA kuti utange iyo nzira yekukumbira. Chiziviso chako chekutanga chekusarudza chinofanira zvakare kuve neruzivo rwekuti ungaita sei izvi.
Muenzaniso we IRMAA kukwidza
Iwe nemumwe wako mese makamisikidza yako 2019 yemitero yemitero. Urwu ndirwo ruzivo rwunoshandiswa neSSA kuona IRMAA yegore ra2021. Zvichibva neruzivo urwu, iyo SSA inoona kuti iwe unofanirwa kubhadhara mari yekuwedzera pane akakodzera maMedicare maprimiyamu.
Asi iwe unoda kukwikwidza danho nekuti iwe wakave nechiitiko chinoshandura hupenyu iwe newawakaroorana naye pawakarambana muna 2020. Kurambana kwacho kunotungamira kudzikiswa kukuru kwemari yemumba.
Unogona kukwidza sarudzo yako IRMAA nekubata iyo SSA, uchizadza mafomu akakodzera, uye nekupa magwaro akakodzera (semutemo wekurambana).
Ive neshuwa yekuunganidza akakodzera magwaro ekukwirira kwako. Iwe ungangodawo kuzadza iyo Medicare Imari-Inosanganisirwa Yemwedzi Kugadziridza Mari: Hupenyu-Kuchinja Chiitiko fomu.
Kana iyo SSA ichiongorora uye ichibvumidza kukwidza kwako, maprimiyamu ako emwedzi achagadziriswa. Kana kukwidza kwako kukarambwa, iyo SSA inogona kukupa iwe mirawo yekuti ungakwidza sei kuramba kwacho mukuterera.
Zviwanikwa zverimwe rubatsiroKana iwe uine mibvunzo kana zvinetsekana nezve Medicare, IRMAA, kana kuwana rubatsiro nekubhadhara maprimiyamu, funga kushandisa zvinotevera zviwanikwa.
- Medicare. Iwe unogona kubata Medicare zvakananga pa800-Medicare kuti uwane ruzivo nezve mabhenefiti, mutengo, uye zvirongwa zvekubatsira seMedare Ekuchengetedza Zvirongwa uye Rakawedzerwa Rubatsiro.
- SSA. Kuti uwane ruzivo nezve IRMAA uye nzira yekukumbira, iyo SSA inogona kubatika yakananga pa800-772-1213.
- SHIP. Hurumende Hutano Inishuwarenzi Yekubatsira Chirongwa (SHIP) inopa mahara rubatsiro nemibvunzo yako yeMedare. Iwe unogona kuziva nzira yekubata yako yenyika SHIP chirongwa pano.
- Medicaid. Medicaid mubatanidzwa wehurongwa uye nyika chirongwa chinobatsira vanhu vane mari shoma kana zviwanikwa nemari yavo yekurapa. Iwe unogona kuwana rumwe ruzivo kana kutarisa kana iwe uchikodzera pane iyo Medicaid saiti.
Kutora
IRMAA imwezve yekuwedzera iyo inogona kuwedzerwa kune ako epamwedzi maMedicare maprimiyamu zvichienderana nemari yako yegore. Inoshanda chete kuMedicare zvikamu B uye D.
Iyo SSA inoshandisa yako yemari yemutero ruzivo kubva kumakore maviri apfuura kuona kana iwe une chikwereti IRMAA. Mari yekuwedzera yaungangoda kubhadhara inotemerwa zvichienderana neyako mari yaunowana uye nemabatiro awakaisa mutero.
Mune zvimwe zviitiko, IRMAA zvisarudzo zvinogona kukwidzwa. Kana iwe wakagamuchira chiziviso nezve IRMAA uye uchitenda kuti haufanire kubhadhara iyo yekuwedzera, bata SSA kuti udzidze zvimwe.
Chinyorwa ichi chakagadziridzwa munaNovember 13, 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.
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