Kulunge Ukwakha Izindleko Zokunakekelwa Kwempilo Kwi-Budget Your Regetable
Nangona i-Medicare Part A, ebandakanya inqanaba elithile lokubhedlelelwa esibhedlele, likhululekile (ngokucinga ukuba usebenze e-US ixesha elaneleyo lokuba ufaneleke), ubuninzi be-Medicare coverage abukhululekile. Uya kuhlawula iiproyamu ze-Medicare Part B, kunye ne-inshorensi eyongezelelweyo okanye iiplani zogunyaziso.
Ukongeza, uza kuba neendleko zokuphuma ngaphandle.
Xa unika zonke ezi zinto kuqikelelwa kwi-Medicare ziza kubandakanya kuphela iipesenti ezingama-50-60 zemfuno zakho zempilo. Kwaye, emva kwexesha, ii-premiums kunye neendleko ze-out-of-pocket ziya kunyuka.
Indlela abantu abayiba ngayo malunga neendleko zonyango lwezeMpilo kwiBhajethi yabo
Uninzi lwabathathe umhlalaphantsi, kwaye abantu bekulungele ukuguqulwa kwabasebenzi, bayakhohlwa uhlahlo lwabiwo lwempilo xa beqikelela iindleko zabo ngokuthatha umhlalaphantsi. Ngoba? Umqeshi wabo uvame ukuthabatha uninzi lwethebhu (ngokuqhelekileyo malunga neepesenti ezingama-75) kunye neendleko ezisele (umyinge malunga neepesenti ezingama-25) ziphuma kwi-paycheck yazo. Bacinga ukuba bafuna umlinganiselo ofanayo wokuhlawula ekhaya abaya kuba nawo - kodwa bayakhohlwa ukuba ngoku baya kuba noxanduva lokuhlawula iiprayimari zabo zokunakekelwa kwempilo ngaphezu kweendleko zokuphuma ngaphandle.
Ziziphi iintlobo zeeNyanga zeMpilo zeeNtlawulo eziza kuba nazo?
Kukho iintlobo ezine zeempesimali zokunakekelwa kwempilo onokuzifumana ngomhlalaphantsi:
- Iingcebiso zeMedare B ze-Part B
- I-Medigap (ebizwa ngokuba yi-Medicare Supplemental Insurance) okanye i-Medicare Advantage Premiums (ebizwa ngokuba yi-Medicare Part C)
- I-Medicare Ingxenye yeD (ukukhutshwa kweziyobisi)
- Ii-premium ze-inshurensi zeNtsholongwane
Ngezantsi ziinkcukacha kwizinto ezi zinto:
- I-Medicare Ingxenye B : Ngo-2016 oku kuqhuba ngaphezulu kwe-$ 120 ngenyanga, kodwa iya kunyuka njengoko inzuzo yakho iya kunyuka. Ukuba wenza ngaphezulu, uza kuhlawula ngaphezulu.
- Ukuba ufuna inshurensi kwiindleko ezingagqitywanga yi- Medicare eyisiseko uza kukhangela ekuthengeni umgaqo we-Medigap okanye iSicwangciso seNzuzo ye-Medicare, kunye nokukhutshwa kwezidakamizwa.
- Ukuba unomgaqo-nkqubo we-Medigap, awukwazi ukuhlawula iindleko zezinyo, umbono kunye nokunyamekelwa kwamehlo, kunokukushiya ngeendleko ezinkulu, ngokukodwa kwiimfuno zamazinyo.
- Ukuba unomgaqo-nkqubo we-Medicare Advantage obandakanya amazinyo, umbono kunye nokunyamekelwa kwamehlo, kungenakho ukubonelela ngeenkonzo ezininzi zokubhedlelelwa esibhedlele, okukukushiya wena kunye nosapho lwakho kunye ne-bill enkulu xa kufuneka ukugula okungapheliyo okanye ukugula okukhulu.
- I-Medicare ayifihla uninzi lweendleko zokunyamekela kwexesha elide onokuzifumana. Ukuba ufuna ukuqinisekiswa ukuba unayo imali yokugubungela ezi ndleko, qwalasela i -inshorensi yonyango elide .
Ngoko ke ingakanani inzuzo kunye nokudibanisa kweendleko ze-pocket zidibanisa?
Yiyiphi iNani leeNkcitho zeNtlawulo zeMpilo eziPhezulu onokuzifumana?
Ukuqikelelwa kweendleko zakho zokunakekelwa kwempilo zangoku kunye nekamva uzame ukubala kwe-cost calculator ngeHVS Financial.
Ukusebenzisa le calculator, ndathi ndiyindoda, eneminyaka engama-65 ubudala, kwaye iqikelele iiprayimari ezipheleleyo kunye nezindleko zangaphandle kwi-$ 4,500 ngonyaka. Oko kuthetha ukuba awuzange ufake i-$ 375 ngenyanga kwibhajethi yakho yeendleko zonyango, uza kufumana umfutshane kwimali.
Kungenzeka ukuba ezi zindleko zonyango ziya kuphakama malunga nokuphindwe kabini izinga lokunyuka kwamaxabiso, oku kuthetha ukuba iminyaka engama-10 ukuya kumhlala phantsi ukuba i-375 yeenyanga ngenyanga ingasondela kuma-675 ngenyanga (usebenzisa iipesenti ze-inflation ye-6).
Kwi sibini esitshatileyo, kufuneka uphinde kabini loo manani. Ouch.
Yintoni Ongayenza Ukunciphisa Iindleko Zonakekelo Lwezempilo Ephakamileyo?
Ndandisandula ndathetha kuDan McGrath, owayesakuba neNkonzo ze-HealthView, kwaye wanikela ngeengcebiso ezintathu zokunceda ukulawula iindleko zokunyuka kwezempilo.
1. Hlala Unempilo
Ngubani ofuna ubude obude, obungenabungozi? Thatha uxanduva lwenkonzo yakho. Yenza uphando. Buza imibuzo.
UDani wayenamacebiso athile ajongayo ngokuhlala ephilileyo. Ezimbini ezibambelele kum:
- Yenza uncedo wamazinyo, uze ubabone rhoqo emva kweenyanga ezintandathu. Isifo se-Cardiovascular disease sibonakaliswe kwizinsini zakho kuqala. Udokotela wamazinyo onika ingqalelo unokujonga into eninzi ngaphambi kokuba ugqirha akho.
- Hamba ingubo. Ewe, zihlangule.
2. Ukulawula iRhafu yoRhumo-ngokufanelekileyo
UDan naye waba neengcamango ezinengqiqo malunga nokulawula ukunikezelwa kweakhawunti ngendlela efanelekileyo yerhafu.
Abahlawuli berhafu abaphezulu abafumana umvuzo (ngo-2016 oku kuthetha ama-singles kunye neengeniso ezilindelekileyo ze-$ 85k okanye ngaphezulu, abatshatile kwi-$ 170k okanye ngaphezulu), xa wenza njalo, uphakamileyo lwee-premium ze-Medicare Part B kunye neiphakampiri zakho ze-Medicare Part D. Ukuba usebenza nomcwangcisi omhle werhafu okanye umcwangcisi wokuthatha umhlala-phantsi ungasebenzisa le ngcamango elandelayo ukulawula ukwabiwa kweerhafu ngokufanelekileyo, kwaye unokuthi ugcine ama-premium akho ekukhuphukeni kakhulu:
- Izabelo ezivela kwi-akhawunti ye-HSA, i-akhawunti ye-Roth IRA okanye kwixabiso lemali-mali ye-inshorensi yobomi ayibhalwanga kwifom ecacisa inani lokugqibela lee-premium ze-Medicare Part B. Ingeniso evela kwingxowa-mboleko engapheliyo ayibaleki.
- Imali ehoxiswa kwiakhawunti yomhlala-phantsi ingasetyenziselwa ukunyuswa kweendleko zonyango.
- Ekubeni iRoth IRA ihoxiswa ayifaki kwi-formula engayandisa ii-premium ze-Medicare Part B, ukuba unamanani amakhulu kwiIras zendabuko ezithetha ukuba uya kuba nexabiso elifunekayo elincinci kwiminyaka engama-70 nangaphezulu, kwaye unokufuna ukuqwalasela ukuguqula inxalenye ye-IRA yakho kwiRoth ngaphambi kokuba ufikelele kwiminyaka yobudala engama-65. Ngokukodwa, uDan wathi "iRoth iyona nto ininzi isithuthi-mali esaziwa ngabantu". Ndimele ndihlale ndivumelana naye.
3. Musa ukukhutshwa ngaphandle-Gcina
Ukunyuka kweendleko zempilo kuya kuba yinyani. Yenza into emgca kubhajethi yakho kubo. Ukuba uceba ukuhlala phantsi (ngaphambi ko-65) qinisekisa ukuba uyaziqonda iindleko zokuthatha iipresimenti zakho zezempilo zonyango uze ufike kwi-Medicare yobudala.