Icandelo A Ngaba mhlawumbi likhululekile kodwa uza kuhlawula i-Premium yenyanga kwiNgxenye B
Kuyo yonke iminyaka osebenza ngayo, uhlawule kwi-Medicare. Enyanisweni, i-1.45 ekhulwini yetshekhi yakho iya kwi-Medicare kwaye umqeshi wakho uhlawula enye i-1,45 pesenti. Ukuba usebenza ngokuzimeleyo, uhlawula lonke ipesenti ze-2.9. Ngelishwa, umhlalaphantsi akuthethi ukuba uyeke ukuhlawula kwi-Medicare. Icandelo A likhululekile kubantu abaninzi, kodwa iindawo zeB kunye neD ziya kuza ngeendleko. Makhe sijonge isakhiwo somrhumo we-Medicare Part B.
Musa ukulibala ukuSayina
Ngaphambi kokuba sijonge iirhafu, nantsi ilizwi lokulumkisa: Qinisekisa ukuba ubhalisele kwi-Medicare Part B xa uvula iminyaka engama-65.
Ukhuseleko lweNtlalo lukhuthaza ukuba ubhalise kwiinyanga ezi-3 ngaphambi kokuzalwa kwakho kwangama-65. Ukuba awuyi kubhalisa ngexesha lokubhalisa lokuqala-inyanga ezi-3 ngaphambi kweenyanga ezintathu emva kokuba uphenduke iminyaka engama-65, kufuneka uhlawule umrhumo wokuhlawula umva.
Icandelo B Iimali
Khumbula ukuba i-1.45 yeepesenti okanye i-2.9 ekhulwini ukuxothwa kwe-Medicare uhlawula ngokugqithisileyo amashumi eminyaka? Ejongene neCandelo A kodwa iSahlulo B siza ne-premium yenyanga echithwe kwiintlawulo zakho zeNtlalo. Ukuba awufumani Ukhuseleko Loluntu okanye inzuzo ehambelanayo, i-Medicare izothumela ibhilikhwe.
I-premium yenyanga ye-2018 yi-$ 134 kodwa i-premium isekelwe kwingeniso. Kungenzeka ukuba uya kuhlawula ngaphantsi kancane.
Abaxhamli beMali ePhakamileyo
Urhulumente wephondo uhlawula malunga neepesenti ezingama-75 zeendleko ze-Part B premium, ezishiya umntu ngeepesenti ezingama-25 kuphela zeendleko. Kubantu abaphezulu bemivuzo , baya kuhlawula ipesenteji ezikhulu-35, iipesenti ezingama-50, iipesenti ezingama-65, okanye iipesenti ezingama-80 ngokuxhomekeka kwimali yabo.
Ukhuseleko lwezeNtlalo lulibiza ngokuthi, "imali ehlengahlengiswayo yenyanga." Musa ukukhathazeka, nangona i-Social Security iqikelela ukuba kuphela ama-5 ekhulwini kubo bonke abagulayo abaza kuhlawula ngaphezu kwe-134. Ukuba uhlawula iiprayimas eziphezulu zeNgxenye B, jonga njengengxaki enokuyenza.
Ukuchonga ukuba uya kuhlawula imali eyongezelelweyo, Ukhuseleko lwezeNtlalo lukhangele ukubuyela kwakho kwerhafu kwangoko kwifayile kunye ne-IRS.
Ukuba utshatile, ukufakela ngokubambisana uya kuqala ukuhlawula ii-premium ze-Part B eziphezulu xa utshintshile imali engenayo ingaphezulu kwe-$ 170,000. Ukuba ufaka irhafu yakho usebenzisa iimeko ezahlukeneyo, inombolo yakho yomlingo i $ 85,000. Ukuba wenza phakathi kwe-$ 170,000 kunye ne-214,000 okanye i-$ 85,000 ukuya kwi-107,000, i-premium yakho iya kuba ngu-187.50 ngeenyanga.
I-$ 214,000 ukuya kwii-267,000 zamawaka ezibini ezitshatileyo ezifakela kunye okanye i-$ 107,000- $ 133,500 ngeemeko ezahlukeneyo, uya kuhlawula i-$ 267.90
Ukuba wena kunye neqabane lakho nifumana imali engama-267,000 ukuya kwii-320,000 zama-$ okanye ubeka phantsi phantsi kwemeko eyahlukileyo kwaye ufumane i-$ 133,500 ukuya kwii-160,000 zamawaka, i-premium yakho yenyanga i-$ 348.30.
Ekugqibeleni, ukuba utshatile ukudibanisa kunye kunye nokwenza imali engaphezu kwama-320,000 okanye enye imali ukwenza i-$ 160,000 ngonyaka, ukuhalalisela kuqala, kunye ne-premium yakho ngu-$ 428.60 ngenyanga.
Kungenzeka ukuba unakho ukuhlawula ngaphantsi kwee-$ 134 kodwa ungabi ninzi. Ukhuseleko loluntu luthi abantu abafumana ukuxothwa baya kuhlawula imali engama-4 engaphantsi kweenyanga. Qhagamshelana noKhuseleko loLuntu ngolwazi olungakumbi.
Unokubhena?
Ewe Unga. Ukuba awuvumelani nokuzimisela koKhuseleko lweNtlalo ye-premium yakho yenyanga, unokwenza isibheno. Indlela elula ukuyifaka isikhalazo kwi-intanethi. Unokubhenela ngokubhaliweyo okanye u tyelele iofisi.
Deductibles
Njengamanyathelo amaninzi e-inshorensi, kufuneka uhlawule imali ethile phambi kwe-inshorensi ebizwa ngokuba yi-deductible. Nge- Medicare Part B , i-deductible yakho i-$ 183 nje ngonyaka. Emva koko, uhlala ukhokhe ipesenti ezingama-20 ze-Medicare-evunyelwe ukulungiselela ukutyelela ugqirha, unyango lwezonyango kunye nezinye izixhobo zonyango. Yingakho i-Medicare Part B idla ngokubizwa ngokuba, "inshuwalense yebhedlele."
LUMKA!
Izandi ezidityanisiweyo ziphantsi kwaye ipesenti ezingama-20 zinomgangatho omhle kodwa kukho ukubambisa kubaluleke kakhulu-akukho cap in 20 pesenti. Usenokuba ne-inshurensi kumqeshi odlulileyo apho uhlawule iipesenti ezingama-20 zeendleko ukuya kwisixa esithile kwaye emva koko awuhlawula nto. NgokweMveli yeMveli, akukho cap in 20 pesenti. Oku kungabonisa ibhanti enkulu kakhulu kuxhomekeke kunyango lwakho.
I-Medicare Inzuzo kunye neMedigap
Ngenxa yokuba i-Medicare yendabuko inokukushiya iphezulu ngeendleko zesikhwama, abaninzi abantu banyulwa ukuba babhalise kwi-Medicare Benevantage okanye iMigigap nkqubo. Le yimigaqo-nkqubo ngaphandle kweenkampani zomshuwalense ezongezelela inkxaso ye-Medicare ngenkokhelo yenyanga nganye. Imirhumo kuxhomekeke kwisicwangciso sakho esikhethiweyo. Icandelo A kunye neB, kwaye ngamanye amaxesha iCandelo D lidibaniswe kwenye yezi zicwangciso, ngamanye amaxesha zibizwa ngokuba yiCandelo C.
Abasebenzi be-inshurensi bavame ukukhuthaza ukuxhaswa kwempahla kwimveliso ngokubhekiselele kwiimali eziyingozi zezobisi zonyango ezingaqhelekanga.