Mlembi: Randy Alexander
Tsiku La Chilengedwe: 23 Epulo 2021
Sinthani Tsiku: 18 Novembala 2024
Anonim
Kodi IRMAA ndi chiyani? Zomwe Muyenera Kudziwa Zokhudza Zowonjezera Zowonjezera - Thanzi
Kodi IRMAA ndi chiyani? Zomwe Muyenera Kudziwa Zokhudza Zowonjezera Zowonjezera - Thanzi

Zamkati

  • IRMAA ndi malipiro owonjezera omwe mumawonjezera pamwezi wanu wa Medicare Part B ndi Part D, kutengera ndalama zomwe mumapeza pachaka.
  • Social Security Administration (SSA) imagwiritsa ntchito zidziwitso zanu za misonkho kuyambira zaka 2 zapitazo kuti mudziwe ngati muli ndi ngongole ya IRMAA kuphatikiza pamalipiro anu apamwezi.
  • Ndalama zolipira zomwe mudzalipira zimadalira pazinthu monga bulaketi yanu komanso momwe mwakhomera misonkho.
  • Zosankha za IRMAA zitha kupemphedwa ngati pali cholakwika mu chidziwitso cha misonkho chomwe mwagwiritsa ntchito kapena ngati mwakumana ndi zosintha pamoyo zomwe zimachepetsa ndalama zomwe mumapeza.

Medicare ndi pulogalamu ya inshuwaransi yazaumoyo ya anthu azaka zapakati pa 65 ndi kupitilira komanso omwe ali ndi matenda ena. Zimapangidwa ndi magawo angapo. Mu 2019, Medicare idalipira anthu aku America pafupifupi 61 miliyoni ndipo akuyembekezeka kuti adzawonjezeka mpaka 75 miliyoni pofika 2027.

Magawo ambiri a Medicare amaphatikizapo kulipira ndalama pamwezi. Nthawi zina, ndalama zomwe mumalandira pamwezi zimatha kusinthidwa kutengera ndalama zomwe mumapeza. Imodzi mwazomwe zitha kukhala zokhudzana ndi ndalama pamwezi (IRMAA).


IRMAA imagwira ntchito kwa omwe adzapindule ndi Medicare omwe ali ndi ndalama zambiri. Pitirizani kuwerenga kuti mudziwe zambiri za IRMAA, momwe imagwirira ntchito, komanso magawo a Medicare omwe amagwiranso ntchito.

Ndi magawo ati a Medicare omwe IRMAA imakhudza?

Medicare ili ndi magawo angapo. Gawo lirilonse limafotokoza mtundu wina wazithandizo zokhudzana ndiumoyo. Pansipa, tiwononga magawo a Medicare ndikuwunika ngati akukhudzidwa ndi IRMAA.

Medicare Gawo A

Gawo A ndi inshuwaransi ya chipatala. Amakhudza malo okhala odwala monga zipatala, malo osamalira anthu okalamba, ndi malo azaumoyo. IRMAA sichimakhudza Gawo A. M'malo mwake, anthu ambiri omwe ali ndi Gawo A salipira ngakhale mwezi uliwonse.

Gawo A premiums nthawi zambiri limakhala laulere chifukwa mumalipira misonkho ya Medicare kwakanthawi kochepa mukamagwira ntchito. Koma ngati simunalipire misonkho ya Medicare kwa malo osachepera 30 kotala kapena mukulephera kukwaniritsa zina mwa ziyeneretso za kufalitsa kwaulere, ndiye kuti malipiro amwezi pamwezi a Part A ndi $ 471 mu 2021.


Medicare Gawo B

Gawo B ndi inshuwaransi yamankhwala. Ikufotokoza:

  • ntchito zosiyanasiyana zaumoyo kuchipatala
  • zida zamankhwala zolimba
  • mitundu ina ya chisamaliro chodzitchinjiriza

IRMAA itha kukhudza gawo lanu loyambira la Part B. Kutengera ndi zomwe mumapeza pachaka, ndalama zowonjezera zimatha kuwonjezeredwa pamtengo woyambira Gawo B. Tidzakambirana zambiri za momwe surcharge iyi imagwirira ntchito gawo lotsatira.

Medicare Gawo C

Gawo C limatchedwanso Medicare Advantage. Mapulaniwa amagulitsidwa ndi makampani azinsinsi za inshuwaransi. Madongosolo a Medicare Advantage nthawi zambiri amakhala ndi ntchito zomwe Medicare zoyambirira (magawo A ndi B) sizikuphimba, monga mano, masomphenya, ndi kumva.

Gawo C silikhudzidwa ndi IRMAA. Ndalama zomwe mumalandira mwezi uliwonse mu Gawo C zimatha kusiyanasiyana kutengera mtundu wakapangidwe kanu, kampani yomwe ikupatsani dongosolo lanu, ndi komwe mumakhala.

Gawo la Medicare D.

Gawo D ndikufotokozera zamankhwala. Monga mapulani a Part C, mapulani a Part D amagulitsidwa ndi makampani wamba.

Gawo D limakhudzidwanso ndi IRMAA. Monga momwe ziliri ndi Gawo B, ndalama zowonjezera zimatha kuwonjezeredwa pamwezi wanu woyamba, kutengera ndalama zomwe mumapeza pachaka. Izi ndizosiyana ndi zolipira zomwe zitha kuwonjezeredwa pamalipiro a Part B.


Kodi IRMAA iwonjeza ndalama zingati ku gawo langa la B?

Mu 2021, malipiro amwezi pamwezi a Part B ndi $ 148.50. Kutengera ndi zomwe mumapeza pachaka, mutha kukhala ndi zowonjezera zowonjezera za IRMAA.

Ndalamayi imawerengedwa pogwiritsa ntchito zidziwitso zanu za misonkho kuyambira zaka 2 zapitazo. Chifukwa chake, kwa 2021, zambiri zanu zamisonkho kuchokera ku 2019 ziyesedwa.

Ndalama zowonjezera zimasiyanasiyana kutengera momwe mumalandirira ndalama komanso momwe mudaperekera misonkho. Gome ili m'munsiyi lingakupatseni lingaliro lazomwe mungayembekezere mu 2021.

Chuma pachaka mu 2019: aliyense Chuma pachaka mu 2019: okwatirana, kutumizira limodzi Chuma pachaka mu 2019: okwatirana, kusefa padera Gawo B mwezi uliwonse wa 2021
≤ $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

Kodi IRMAA idzawonjezera ndalama zingati ku Gawo D ndalama zanga?

Palibe malipiro oyenera pamwezi pamalingaliro a Gawo D. Kampani yomwe ikupereka ndalamayi ndiyomwe idzalembetse mwezi uliwonse.

Kuchulukitsa kwa gawo D kumatsimikizidwanso kutengera zomwe mumapeza misonkho kuyambira zaka 2 zapitazo. Monga momwe ziliri ndi Gawo B, zinthu monga ndalama zanu komanso momwe mudasungira misonkho zimakhudza kuchuluka kwa ndalama zowonjezera.

Zowonjezera zowonjezera za Gawo D zimaperekedwa mwachindunji ku Medicare, osati kwa omwe amakupatsani dongosolo. Tebulo ili m'munsiyi limapereka chidziwitso pazowonjezera za Gawo D za 2021.

Chuma pachaka mu 2019: aliyense Ndalama zapachaka mu 2019: okwatirana, kutumizira limodzi Chuma pachaka mu 2019: okwatirana, kusefa padera Chigawo D pamwezi woyamba wa 2021
≤ $88,000≤ $176,000≤ $88,000dongosolo lanu lokhazikika
> $88,00–$111,000> $176,000–$222,000-mapulani anu apamwamba + $ 12.30
> $111,000–$138,000> $222,000–$276,000-mapulani anu apamwamba + $ 31.80
> $138,000–$165,000> $276,000–$330,000-mapulani anu apamwamba + $ 51.20
> $165,000–
< $500,000
> $330,000–
< $750,000
> $88,000–
< $412,000
mapulani anu apamwamba + $ 70.70
≥ $500,000≥ $750,000 ≥ $412,000mapulani anu apamwamba + $ 77.10

Kodi IRMAA imagwira ntchito bwanji?

Social Security Administration (SSA) imatsimikizira IRMAA yanu. Izi ndizotengera zomwe zimaperekedwa ndi Internal Revenue Service (IRS). Mutha kulandira chidziwitso kuchokera ku SSA chokhudza IRMAA nthawi iliyonse pachaka.

Ngati SSA iwona kuti IRMAA ikugwira ntchito pamapulogalamu anu a Medicare, mudzalandira chidziwitso pakalata. Izi zikudziwitsani za IRMAA yanu ndikuphatikizanso zambiri monga:

  • momwe IRMAA inkawerengedwera
  • zoyenera kuchita ngati zomwe zagwiritsidwa ntchito kuwerengera IRMAA sizolondola
  • zoyenera kuchita ngati mutakhala ndi ndalama zochepa kapena zochitika zosintha moyo

Mukalandira chizindikiritso choyambirira pakalata masiku 20 kapena kupitilira apo mutadziwiratu. Izi ziphatikiza chidziwitso cha IRMAA, chikayamba kugwira ntchito, ndi njira zomwe mungatenge kuti mupemphe izi.

Simufunikanso kuchitapo kanthu kuti mulipire zolipira zomwe zimagwirizanitsidwa ndi IRMAA. Zidzangowonjezeredwa ku ngongole zanu za premium.

Chaka chilichonse, SSA imawunikiranso ngati IRMAA iyenera kuyitanitsa pamalipiro anu a Medicare. Chifukwa chake, kutengera ndalama zanu, IRMAA ikhoza kuwonjezedwa, kusinthidwa, kapena kuchotsedwa.

Ndingafufuze bwanji IRMAA?

Ngati simukukhulupirira kuti muyenera kukhala ndi ngongole ku IRMAA, mutha kupempha chisankhocho. Tiyeni tiwone momwe njirayi imagwirira ntchito.

Ndingayitanitse liti?

Mutha kuyitanitsa chisankho cha IRMAA pasanathe masiku 60 mulandire chidziwitso ku IRMAA pakalata. Kunja kwa nthawiyi, SSA idzayesa ngati muli ndi zifukwa zomveka zoperekera apilo mochedwa.

Kodi ndingapemphe nthawi ziti?

Pali zochitika ziwiri pomwe mungatchule IRMAA.

Mkhalidwe woyamba umakhudzana ndi misonkho yomwe imagwiritsidwa ntchito kudziwa IRMAA. Zitsanzo zina za misonkho pomwe mungafune kuyitanitsa IRMAA ndi monga:

  • Zomwe zimagwiritsidwa ntchito ndi SSA kuti zitsimikizire kuti IRMAA sizolondola.
  • SSA idagwiritsa ntchito zakale kapena zachikale kudziwa IRMAA.
  • Mudasungitsa ndalama zobwezeretsa msonkho mchaka chomwe SSA ikugwiritsa ntchito kudziwa IRMAA.

Mkhalidwe wachiwiri umakhudza zochitika zosintha moyo. Izi ndi zochitika zomwe zimakhudza kwambiri zomwe mumapeza. Pali zochitika zisanu ndi ziwiri zoyenerera:

  • ukwati
  • kuthetsa ukwati kapena kuthetsa ukwati
  • imfa ya mnzawo
  • kuchepetsa ntchito
  • kutha kwa ntchito
  • kutaya kapena kuchepetsa mitundu yapenshoni
  • kutaya ndalama kuchokera ku malo opangira ndalama

Kodi ndiyenera kupereka zolemba ziti?

Zikalata zomwe muyenera kupereka ngati gawo lanu zimadalira momwe zinthu ziliri. Zitha kuphatikiza:

  • misonkho yaboma
  • satifiketi yaukwati
  • lamulo lakusudzulana kapena kuthetsa ukwati
  • satifiketi yakufa
  • makope azipilala zolipira
  • chikalata chosainidwa kuchokera kwa abwana anu chosonyeza kuchepa kapena kuyimitsidwa kwa ntchito
  • kalata kapena mawu osonyeza kutayika kapena kuchepetsedwa kwa penshoni
  • mawu ochokera kwa wothandizira inshuwaransi osonyeza kutayika kwa katundu wopanga ndalama

Ndingatumize bwanji apilo?

Kuchita apilo sikungakhale kofunikira. SSA nthawi zina imapanga chidziwitso chatsopano pogwiritsa ntchito zolemba zatsopano. Ngati simukuyenerera kutsimikiza koyamba, mutha kupempha chisankho cha IRMAA.

Mutha kulumikizana ndi SSA kuti muyambe ntchitoyo. Chidziwitso chanu choyambirira chikhale ndi chidziwitso cha momwe mungachitire izi.

Chitsanzo cha pempho la IRMAA

Inu ndi mnzanu munaperekanso misonkho ya 2019. Uwu ndi uthenga womwe SSA imagwiritsa ntchito kudziwa IRMAA ya 2021. Kutengera izi, SSA ikuwona kuti muyenera kulipira ndalama zowonjezera pamalipiro oyenera a Medicare.

Koma mukufuna kuthana ndi chisankhocho chifukwa mudakhala ndi chochitika chosintha moyo pomwe inu ndi mnzanu mudasudzulana mu 2020. Chisudzulocho chimabweretsa kuchepa kwakukulu kwa ndalama zapakhomo.

Mutha kuyitanitsa chisankho chanu cha IRMAA polumikizana ndi SSA, kudzaza mafomu oyenera, ndikupereka zolemba zoyenera (monga lamulo lakusudzulana).

Onetsetsani kuti mwasonkhanitsa zolemba zanu zoyenera. Muyeneranso kuti mudzaze fomu ya Medicare Income-Related Monthly Adjustment: Fomu Yosintha Moyo.

Ngati SSA ikuwunika ndikuvomereza pempho lanu, ndalama zomwe mumalandira mwezi uliwonse zidzakonzedwa. Ngati pempho lanu likukanidwa, SSA ikhoza kukupatsirani malangizo amomwe mungapempherere kukanidwa pomvera.

Zowonjezera zothandizira zina

Ngati muli ndi mafunso kapena nkhawa za Medicare, IRMAA, kapena kupeza thandizo polipira ndalama zomwe mumalipira, lingalirani izi:

  • Mankhwala. Mutha kulumikizana ndi Medicare mwachindunji ku 800-Medicare kuti mumve zambiri zamapindu, mtengo wake, ndi mapulogalamu othandizira ngati Mapulogalamu a Savore a Medicare ndi Thandizo lowonjezera.
  • SSA. Kuti mumve zambiri za IRMAA komanso momwe apemphedwe, SSA imatha kulumikizidwa ku 800-772-1213.
  • Zombo. Dipatimenti ya State Health Insurance Assistance Program (SHIP) imapereka thandizo laulere pamafunso anu a Medicare. Mutha kudziwa momwe mungalumikizire pulogalamu ya SHIPO ya boma lanu pano.
  • Mankhwala. Medicaid ndi pulogalamu yothandizana ndi boma komanso boma yomwe imathandizira anthu omwe amalandila ndalama zochepa kapena ndalama zothandizira kuchipatala. Mutha kupeza zambiri kapena onani ngati mukuyenera kulandira tsamba la Medicaid.

Kutenga

IRMAA ndi chiwonjezero chowonjezera chomwe chitha kuwonjezeredwa pamalipiro anu apamwezi a Medicare kutengera ndalama zomwe mumapeza pachaka. Ikugwiritsidwa ntchito pamagawo a Medicare okha B ndi D.

SSA imagwiritsa ntchito zidziwitso zanu za misonkho kuyambira zaka 2 zapitazo kuti mudziwe ngati muli ndi ngongole ya IRMAA. Ndalama zowonjezera zomwe mungafunike kulipira zimatsimikiziridwa kutengera momwe mumalandirira ndalama komanso momwe mudaperekera misonkho.

Nthawi zina, zisankho za IRMAA zitha kupemphedwa. Ngati mwalandira chidziwitso chokhudza IRMAA ndipo mukukhulupirira kuti simufunika kulipira ndalama zowonjezera, funsani a SSA kuti mudziwe zambiri.

Nkhaniyi idasinthidwa pa Novembala 13, 2020, kuti iwonetse zambiri za 2021 Medicare.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.

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