Kodi Ndimalipira Bwanji Medicare?

Zamkati

• Chidule
• Ndani amayenerera kufalitsa kwa Medicare?
• Kodi mapulani amawononga ndalama zingati?
• Medicare Part A - Kuchipatala
• Medicare Gawo B - Ulendo wazachipatala / adotolo
• Medicare Part C - Zothandiza mapulani (chipatala, dokotala, ndi mankhwala)
• Medicare Part D - Mankhwala akuchipatala
• Kodi mungatani kuti muchepetse mtengo wa Medicare?

Chidule

Ngati mukuganiza zopuma pantchito, simungayambe kukonzekera msanga. Ndibwino kuti muyambe kukonzekera osachepera miyezi itatu musanakwanitse zaka 65. Izi zidzakuthandizani kupanga chisankho chanzeru ndikupewa zilango posowa nthawi yolembetsa.

Ndani amayenerera kufalitsa kwa Medicare?

Ngati mukuyandikira zaka 65 kapena muli ndi zaka 65 kapena kupitilira apo, muyenera kuyankha mafunso angapo ofunika:

• Kodi ndinu nzika yaku U.S. kapena wokhala mwalamulo?
• Kodi mwakhala ku United States kwa zaka zosachepera zisanu?
• Kodi mwakhala mukugwira ntchito zaka zosachepera 10 mu ntchito yothandizidwa ndi Medicare kapena mwapereka ndalama zofananira pamisonkho yodzifunira nokha?

Ngati mwayankha inde pamafunso onsewa, mukuyenera kulembetsa ku Medicare. Ngati simukukwaniritsa izi, mutha kulembetsabe ku Medicare koma muyenera kulipira pamwezi.

Kwa anthu ambiri, Medicare Part A (hospitalization) adzapatsidwa kwaulere. Medicare Part B (kuyendera adotolo / chithandizo chamankhwala) yamadongosolo azikhalidwe a Medicare ndi njira yosankhidwa.

Mulipira ndalama mwezi uliwonse ku Medicare Part B. Ngati mungalandire Social Security, Railroad Retirement Board, kapena Office of Personnel Management, phindu lanu la Part B lidzachotsedwa mosavuta pamalipiro anu. Ngati simulandila ndalama izi, mudzalandira bilu.

Ngati muli ndi chidwi ndi Mapulani a Medicare Advantage (kuphatikiza kuphatikiza) mwina kudzera kulembetsa koyambirira kapena kusintha kwa kufalitsa, muli ndi zifukwa zambiri zofunika kuziganizira. Chinsinsi ndikufufuza dongosolo lomwe lingakwaniritse zosowa zanu zonse komanso zomwe zikugwirizana ndi bajeti yanu.

Mudzalipira malipiro apamwamba pamwezi posinthana ndi ndalama zochepa zomwe mwapeza m'thumba. Nthawi zambiri, pamakhala kuchotseredwa ndi zolipiritsa pazithandizo zambiri zamankhwala, zogulitsa, ndi njira. Ngati musankha kufalitsa kwa Medicare Plan D (mankhwala), mudzalipiranso ndalama zowonjezera pamwezi.

Kodi mapulani amawononga ndalama zingati?

Dongosolo lililonse la Medicare limakhala ndi zopereka zosiyanasiyana komanso mtengo wosiyanasiyana. Tawonani ndalama zomwe zimakhudzana ndi pulani iliyonse, kuphatikiza ndalama zoyendetsera ndalama, ma copay, komanso ndalama zotulutsira mthumba.

Medicare Part A - Kuchipatala

Kwa anthu ambiri, Gawo A lidzaperekedwa kwaulere. Ngati mukufuna kugula Part A, mudzalipira mpaka $ 437 mwezi uliwonse.

Ndalama zochotseredwa za $ 1,364 ziyenera kulipidwa ndi omwe amakhala ndi inshuwaransi yanu (nthawi iliyonse).

Makopedwe amatengera kuchuluka kwa masiku omwe agonekedwa kuchipatala.

Ndalama zolembetsa mochedwa zitha kukhala zofanana ndi 10% ya ndalama zanu zonse. Misonkho imalipira kawiri kuchuluka kwa zaka zomwe simunalembetse.

Palibe zowonjezera mthumba zomwe mumalipira.

Medicare Gawo B - Ulendo wazachipatala / adotolo

Anthu ambiri amalipira $ 135.30 mwezi uliwonse. Ena omwe ali ndi ndalama zambiri amalipira zambiri.

The deductible ndi $ 185 pachaka. Mukachotsa deductible yanu, mumalipira 20% ya mtengo wa ntchitozo.

Mutha kuyembekezera kulipira:

• $ 0 pazantchito zovomerezeka ndi Medicare
• $ 0 yothandizira zaumoyo wanyumba
• 20% ya ndalama zovomerezeka ndi Medicare pazida zolimba, monga kuyenda, njinga ya olumala, kapena bedi lachipatala
• 20% yazithandizo zakuchipatala
• 20% yothandizira odwala kuchipatala

Malipiro olembetserako mochedwa akhoza kukhala ofanana ndi 10 peresenti ya ndalama zanu zoyambira. Misonkho imalipira kawiri kuchuluka kwa zaka zomwe simunalembetse.

Palibe zowonjezera mthumba zomwe mumalipira.

Medicare Part C - Zothandiza mapulani (chipatala, dokotala, ndi mankhwala)

Malipiro apamwezi a Part C pamwezi amasiyana kutengera zomwe mwapeza kwa zaka ziwiri, zopindulitsa, ndi dongosolo lokha.

Ndalama zomwe mumalipira gawo la C zomwe zidachotsedwa, zolipiritsa, komanso kutsimikizika kumasiyana malinga ndi dongosolo.

Monga Medicare yachikhalidwe, Mapulani a Advantage amakupangitsani kuti mulipire zina mwa ndalamazo pazithandizo zandalama. Gawo lanu la bilu limakhala kuyambira 20% mpaka 40% kapena kupitilira apo, kutengera chisamaliro chomwe mumalandira.

Mapulani onse a Advantage amakhala ndi malire pachaka pamtengo wanu wotuluka m'thumba pantchito zamankhwala. Malire apakati mthumba amakhala pakati pa $ 3,000 mpaka $ 4,000.Mu 2019, malire okwera mthumba ndi $ 6,700.

Ndi mapulani ambiri, mukafika pamalire amenewa, simudzalipira chilichonse chantchito. Kulipira kulikonse kwa mwezi uliwonse komwe mumalipira chiphaso cha Medicare Advantage sikuwerengera kuchuluka kwa mapulani anu mthumba.

Ndalama zilizonse zolipiridwa ndi mankhwala ochokera kuchipatala (Gawo D) sizikugwira ntchito pazokwanira zanu.

Medicare Part D - Mankhwala akuchipatala

Malipiro apamwezi a Gawo D amasiyana malinga ndi pulani yomwe mwasankha komanso dera lomwe mukukhalamo. Amatha kuyambira $ 10 mpaka $ 100 pamwezi. Ndalama zitha kukhala zapamwamba kutengera zomwe mwapeza kwa zaka ziwiri musanalembetse.

Ndalama zomwe mumalipira gawo lanu la D pachaka zochotseredwa sizingakhale zoposa $ 360.

Mukafika pamlingo wokonzedweratu pamakopala, mwakhala mukufika pachimake, chomwe chimatchedwanso "bowo la zopereka." Malinga ndi tsamba la Medicare la 2019, inu ndi pulani yanu mutagwiritsa ntchito $ 3,820 pamankhwala osokoneza bongo, muli mgulu lofikira. Ndalamayi imatha kusintha chaka ndi chaka. Kuphatikiza apo, anthu omwe akuyenera kulandira thandizo lowonjezera kulipira ndalama za Gawo D, sagwa.

Pakati pa kusiyana, mudzalipira 25% pamankhwala ambiri amtundu, ndi 63 peresenti ya mankhwala achibadwa. Ngati muli ndi dongosolo la Medicare lomwe limaphatikizira kufikako, mutha kupezanso kuchotsera pambuyo poti kufalitsa kwanu kugwiritsidwa ntchito pamtengo wa mankhwalawo. Dinani apa kuti mudziwe zambiri zaposachedwa pazomwe mungapeze.

Mukawononga ndalama zokwana madola 5,100 mthumba, mwatuluka mu mpata wodziwikiratu ndipo mumangodzipangira zomwe zimatchedwa "kufalitsa koopsa." Mukakhala pachiwopsezo chachikulu, mumangoseweretsa ndalama zochepa (zolipira) zamankhwala okutidwa chaka chonse.

Malipiro olembetserako mochedwa akhoza kukhala ofanana ndi 10 peresenti ya ndalama zanu zoyambira. Misonkho imalipira kawiri kuchuluka kwa zaka zomwe simunalembetse.

Kodi mungatani kuti muchepetse mtengo wa Medicare?

Onetsetsani kuti mwalembetsa nthawi yomwe mukufuna kuti mupewe zilango zomwe zingachitike, ndipo musankhe zokhazokha zomwe mukuganiza kuti mugwiritsa ntchito. Ngati mumamwa mankhwala ochepa kapena mumamwa mankhwala otsika mtengo, mwina simungafune kugula mankhwala omwe mumalandira.

Kaya musankha dongosolo la mankhwala akuchipatala kapena ayi, kufunsa mankhwala amtundu wamtundu kungakupulumutseni ndalama.

Mapulogalamu ena kudzera mu Medicare amathanso kukuthandizani kuti mulipire ndalama zanu. Kuti muyenerere mapulogalamuwa, muyenera:

• akhale woyenera Gawo A
• khalani ndi mulingo wopeza wofanana kapena wocheperako ndi wokwanira pulogalamu iliyonse
• alibe zochepa

Mapulogalamu asanu omwe akupezeka pano ndi awa:

• Pulogalamu Yoyenerera ya Medicare Beneficiary (QMB)
• Ndondomeko Yotsimikizika Ya Ndalama Zochepa Zopindulitsa (SLMB)
• Pulogalamu Yoyenerera Yoyenerera (QI)
• Ndondomeko Yoyenerera Anthu Olemala Ogwira Ntchito (QDWI)
• Zowonjezera Pulogalamu yothandizira mankhwala (Medicare Part D)

Mapulogalamuwa atha kukuthandizani kulipira chindapusa cha Gawo A ndi Gawo B, ndi ndalama zina monga kuchotsera, kutsimikiziridwa ndalama, ndi ndalama zolipira.