Iyini imikhawulo yemali engenayo ye-Medicare ngo-2021?

-Delile

• Imali engizoyithola izowathinta kanjani ama-premium ami e-Medicare?
• Ama-Medicare Part A amaphrimiyamu
• Amaphrimiyamu e-Medicare Part B
• Amaphrimiyamu e-Medicare Part D
• Kuthiwani ngezinhlelo zeMedicare Advantage?
• Ngizokhokha malini ngamaphrimiyamu ngo-2021?
• Ngingayifaka kanjani isikhalazo nge-IRMAA?
• Usizo lwabahlanganyeli be-Medicare abanemali encane
• Izinhlelo zokonga iMedare
• Uhlelo olufanelekayo lweMedicare Beneficiary (QMB)
• Uhlelo olucacisiwe lwe-Low-Income Medicare Beneficiary (SLMB)
• Uhlelo Olufanelekayo Lomuntu Ngamunye (QI)
• Uhlelo lwe-Qualifying Individual (QDWI)
• Ngingaluthola usizo ngezindleko zePart D?
• Kuthiwani ngeMedicaid?
• Ukuthatha

• Ayikho imingcele yokuthola imali ukuthola izinzuzo ze-Medicare.
• Ungakhokhela ngaphezulu ama-premium akho ngokususelwa ezingeni lakho leholo.
• Uma unemali elinganiselwe, ungafaneleka ukuthola usizo lokukhokha amaprimiyamu e-Medicare.

I-Medicare iyatholakala kubo bonke abantu baseMelika abaneminyaka engama-65 noma ngaphezulu, kungakhathalekile ukuthi bathola malini. Kodwa-ke, umholo wakho ungathinta ukuthi ukhokhela malini ukumbozwa.

Uma wenza imali engenayo ephezulu, uzokhokha imali eyengeziwe yama-premium akho, noma imihlomulo yakho ye-Medicare ingeke ishintshe. Ngakolunye uhlangothi, ungahle ufaneleke ukuthola usizo lokukhokha amaprimiyamu akho uma uneholo elilinganiselwe.

Imali engizoyithola izowathinta kanjani ama-premium ami e-Medicare?

Ukutholakala kwemithi kwehlukaniswe izingxenye:

• Ingxenye yeMedicare A. Lokhu kubhekwa njengomshwalense wesibhedlela futhi kuhlanganisa ukuhlala kweziguli ezibhedlela nasezikhungweni zabahlengikazi.
• I-Medicare Ingxenye B. Lo ngumshwalense wezokwelapha futhi uhlanganisa ukuvakashela odokotela nochwepheshe, kanye nokugibela ama-ambulensi, imishanguzo, izimpahla zokwelashwa, nezinye izidingo.

Ngokubambisana, izingxenye A no-B zivame ukubizwa ngokuthi “iMedicare yasekuqaleni.” Izindleko zakho ze-Medicare yoqobo zingahluka ngokuya ngeholo lakho nezimo zakho.

Ama-Medicare Part A amaphrimiyamu

Iningi labantu ngeke likhokhele lutho nge-Medicare Part A. Ukusabalala kwakho kwe-Part A kukhululekile uma nje ufanele ukuthola izinzuzo ze-Social Security noma ze-Railroad Retirement Board.

Ungathola nokufakwa ngaphansi kwe-Part A okungenayo i-premium ngisho noma ungakakulungeli ukuthola izinzuzo zomhlalaphansi we-Social Security okwamanje. Ngakho-ke, uma uneminyaka engama-65 ubudala futhi ungakakulungeli ukuthatha umhlalaphansi, usengasebenzisa ngokunenzuzo ukutholakala kweMedicare.

Ingxenye A inokudonswa minyaka yonke. Ngo-2021, ukukhishwa kungu- $ 1,484. Uzodinga ukusebenzisa leli nani ngaphambi kokuthi ukumbozwa kweNgxenye A yakho kuqale.

Amaphrimiyamu e-Medicare Part B

Ngokumbozwa kwengxenye B, uzokhokha imali ekhokhwayo njalo ngonyaka. Iningi labantu lizokhokha inani elijwayelekile le-premium. Ngo-2021, i-premium ejwayelekile ingu- $ 148.50.Kodwa-ke, uma wenza okungaphezu kwemikhawulo yemali esethwe ngaphambilini, uzokhokha okuningi nge-premium yakho.

Inani le-premium elengeziwe laziwa njengemali yokulungiswa ehlobene nenyanga (IRMAA). Ukuphathwa Kwezokuphepha Komphakathi (i-SSA) kunquma i-IRMAA yakho ngokususelwa kumholo ophelele embuyisweni yakho yentela. I-Medicare isebenzisa ukubuyiselwa kwakho kwentela kusukela eminyakeni emi-2 eyedlule.

Isibonelo, uma ufaka isicelo sokutholakala kwe-Medicare ngo-2021, i-IRS izonikeza i-Medicare imali engenayo evela ekubuyiselweni kwentela ka-2019. Ungakhokha ngaphezulu ngokuya ngeholo lakho.

Ngo-2021, amanani aphezulu e-premium aqala lapho abantu benza imali engaphezu kwama- $ 88,000 ngonyaka, futhi ikhuphuka isuka lapho. Uzothola incwadi ye-IRMAA ngeposi evela kwa-SSA uma kunqunywa ukuthi udinga ukukhokha imali ephezulu kakhulu.

Amaphrimiyamu e-Medicare Part D

I-Medicare Part D iwukusetshenziswa kwezidakamizwa kadokotela. Izinhlelo zeNgxenye D zinamaprimiyamu azo ahlukile. Inani le-premium labazuzi base-Medicare Part D ngo-2021 lingu- $ 33.06, kepha izindleko ziyahlukahluka.

I-Part D Premium yakho izoncika ohlelweni olukhethile. Ungasebenzisa iwebhusayithi ye-Medicare ukuthenga amapulani endaweni yangakini. Njengokutholakala kweNgxenye B yakho, uzokhokha izindleko ezinyukile uma wenza okungaphezu kwezinga leholo elisethwe ngaphambilini.

Ngo-2021, uma imali yakho engenayo ingaphezu kwama- $ 88,000 ngonyaka, uzokhokha i-IRMAA engu- $ 12.30 inyanga ngayinye ngaphezulu kwezindleko zeprimiyamu yakho yengxenye D. Amanani we-IRMAA akhuphuka esuka lapho emazingeni aphezulu emali engenayo.

Lokhu kusho ukuthi uma wenza u- $ 95,000 ngonyaka, bese ukhetha uhlelo lwengxenye D nge-premium yenyanga engu- $ 36, izindleko zakho zanyanga zonke zizokuba ngama- $ 48.30.

Kuthiwani ngezinhlelo zeMedicare Advantage?

Intengo yezinhlelo zeMedicare Advantage (Ingxenye C) iyahlukahluka kakhulu. Ngokuya ngendawo okuyo, ungaba nezinketho eziningi, zonke ezinamanani we-premium ahlukile. Ngoba izinhlelo ze-Part C azinayo inani lohlelo olujwayelekile, awekho amabakaki abekiwe emali engenayo yamanani aphezulu.

Ngizokhokha malini ngamaphrimiyamu ngo-2021?

Iningi labantu lizokhokha inani elijwayelekile le-premium yabo ye-Medicare Part B. Kodwa-ke, uzokweleta i-IRMAA uma wenza imali engaphezu kwama- $ 88,000 ngonyaka onikeziwe.

Ngengxenye D, uzokhokha imali oyikhokhela ngohlelo olikhethayo. Ngokuya ngeholo lakho, uzophinda ukhokhe inani elengeziwe ku-Medicare.

Ithebula elilandelayo libonisa abakaki bemali engenayo kanye nenani le-IRMAA ozolikhokhela Ingxenye B neNgxenye D ngo-2021:

Kunabakaki abahlukahlukene bemibhangqwana eshadile efaka intela ngokwehlukana. Uma lesi kuyisimo sakho sokufaka amafayili, uzokhokha amanani alandelayo engxenye B:

• $ 148.50 ngenyanga uma wenza u- $ 88,000 noma ngaphansi
• $ 475.20 ngenyanga uma wenza okungaphezu kwama- $ 88,000 nangaphansi kuka- $ 412,000
• $ 504.90 ngenyanga uma wenza u- $ 412,000 noma ngaphezulu

Izindleko zakho ze-Part B premium zizodonswa ngqo ezinzuzweni zakho ze-Social Security noma ze-Railroad Retirement Board. Uma ungatholi mhlomulo, uzothola isikweletu esivela kwaMedicare njalo ezinyangeni ezintathu.

Njengengxenye B, kunabakaki abahlukene bemibhangqwana eshadile efayila ngokwehlukana. Kulokhu, uzokhokha amaphrimiyamu alandelayo engxenye D:

• iphrimiyamu yohlelo kuphela uma wenza u- $ 88,000 noma ngaphansi
• i-premium plan yakho kanye ne- $ 70.70 uma wenza imali engaphezu kwama- $ 88,000 nangaphansi kuka- $ 412,000
• i-premium plan yakho kanye ne- $ 77.10 uma wenza u- $ 412,000 noma ngaphezulu

I-Medicare izokukhokhisa njalo ngenyanga ngenani elengeziwe leNgxenye D.

Ngingayifaka kanjani isikhalazo nge-IRMAA?

Ungafaka isikhalazo nge-IRMAA yakho uma ukholwa ukuthi ayilungile noma uma ube noshintsho olukhulu ezimweni zempilo. Uzodinga ukuxhumana Nokuvikeleka Komphakathi ukuze ucele ukucatshangelwa kabusha.

Ungacela isikhalazo uma:

• idatha ethunyelwe i-IRS ibingalungile noma iphelelwe yisikhathi
• ushintshe ukubuyiswa kwakho kwentela futhi ukholwa ukuthi i-SSA ithole uhlobo olungalungile

Ungaphinda ucele isikhalazo uma ngabe wenze ushintsho olukhulu ezimweni zakho zezezimali, kufaka phakathi:

• ukushona komlingani
• isehlukaniso
• umshado
• ukusebenza amahora ambalwa
• ukuthatha umhlalaphansi noma ukulahlekelwa ngumsebenzi
• ukulahleka kwemali evela komunye umthombo
• ukulahlekelwa noma ukunciphisa impesheni

Isibonelo, uma ngabe wawuqashwe ngo-2019 futhi wenza u- $ 120,000, kepha uthathe umhlalaphansi ngo-2020 futhi manje wenza u- $ 65,000 kuphela ezinzuzweni, ungafaka isikhalazo ku-IRMAA yakho.

Ungagcwalisa inani le-Medicare Income-Related Monthly Adjustment Inani - Ifomu Lomcimbi Oguqula Ukuphila futhi unikeze ngemibhalo esekelayo mayelana nezinguquko zakho zeholo.

Usizo lwabahlanganyeli be-Medicare abanemali encane

Labo abanemali elinganiselwe bangathola usizo lokukhokha izindleko ze-Medicare yasekuqaleni kanye no-Part D. Izinhlelo zokulondolozwa kwe-Medicare ziyatholakala ukusiza ukukhokha ama-premium, ama-deductibles, i-coinsurance, nezinye izindleko.

Izinhlelo zokonga iMedare

Kunezinhlobo ezine zezinhlelo zokonga zeMedicare, okuxoxwa ngazo kabanzi kulezi zigaba ezilandelayo.

Kusukela ngoNovemba 9, 2020, i-Medicare ayizange imemezele imingcele emisha engenayo nezinsizakusebenza ukuze ifanelekele lezi zinhlelo ezilandelayo zokonga iMedicare. Amanani aboniswe ngezansi awama-2020, futhi sizonikezela ngamanani abuyekeziwe angama-2021 ngokushesha lapho emenyezelwa.

Uhlelo olufanelekayo lweMedicare Beneficiary (QMB)

Ungalufanelekela uhlelo lwe-QMB uma unemali engenayo yenyanga engaphansi kwama- $ 1,084 nezinsizakusebenza ezingaphansi kuka- $ 7,860. Emibhangqwaneni eshadile, umkhawulo ungaphansi kwama- $ 1,457 njalo ngenyanga futhi ungaphansi kwama- $ 11,800 esewonke. Ngeke ube nesibopho sezindleko zamaphrimiyamu, ama-deductibles, ama-copayments, noma amanani we-coinsurance ngaphansi kohlelo lwe-QMB.

Uhlelo olucacisiwe lwe-Low-Income Medicare Beneficiary (SLMB)

Uma wenza ngaphansi kuka- $ 1,296 ngenyanga futhi unezinsizakusebenza ezingaphansi kwama- $ 7,860, ungafanelekela i-SLMB. Imibhangqwana eshadile idinga ukwenza ngaphansi kuka- $ 1,744 futhi ibe nezinsizakusebenza ezingaphansi kwama- $ 11,800 ukuze ifaneleke. Lolu hlelo luhlanganisa amaphrimiyamu wakho wengxenye B.

Uhlelo Olufanelekayo Lomuntu Ngamunye (QI)

Uhlelo lwe-QI lubuye lubhekele izindleko zeNgxenye B futhi luqhutshwa yizwe ngalinye. Uzodinga ukufaka isicelo futhi minyaka yonke, futhi izicelo zivunywa ngokufika kokuqala, okuhlinzekwa kuqala. Awungeke ufanelekele uhlelo lwe-QI uma une-Medicaid.

Uma unemali engenayo nyangazonke engaphansi kwama- $ 1,456 noma umholo ohlanganisiwe wanyanga zonke ongaphansi kuka- $ 1,960, ufanelekile ukufaka isicelo sohlelo lwe-QI. Uzodinga ukuthi ube nezinsizakusebenza ezingaphansi kwama- $ 7,860. Imibhangqwana eshadile idinga ukuba nezinsiza ezingaphansi kwama- $ 11,800.

Imikhawulo yemali engenayo iphakeme e-Alaska naseHawaii kuzo zonke izinhlelo. Ngokwengeziwe, uma imali oyitholayo ivela emsebenzini nasezinzuzweni, ungazifanelekela lezi zinhlelo noma ngabe wenza kancane ngenhla komkhawulo. Ungaxhumana nehhovisi lakho le-Medicaid state uma ucabanga ukuthi ungafaneleka.

Uhlelo lwe-Qualifying Individual (QDWI)

Uhlelo lwe-QDWI lusiza ukukhokha i-Medicare Part A premium yabantu abathile abangaphansi kweminyaka engama-65 abangafanelekeli ukuthola Ingxenye A.

Kufanele uhlangabezane nalezi zidingo ezingenayo ezilandelayo ukuze ubhalise kuhlelo lwe-QDWI lombuso wakho:

• imali engenayo yenyanga engu- $ 4,339 noma ngaphansi
• umkhawulo wemithombo yomuntu ngamunye ongu- $ 4,000
• umbhangqwana oshadile imali engenayo yenyanga engu- $ 5,833 noma ngaphansi
• imibhangqwana eshadile imingcele yemali engu- $ 6,000

Ngingaluthola usizo ngezindleko zePart D?

Ungathola futhi usizo ngokukhokha izindleko zakho zengxenye D. Lolu hlelo lubizwa Ngosizo Olungeziwe. Ngohlelo Losizo Olungeziwe, ungathola imiyalelo ngezindleko eziphansi kakhulu. Ngo-2021, uzokhokha ubuningi bama- $ 3.70 ngemithi ejwayelekile noma u- $ 9.20 wemithi egama lomkhiqizo.

Kuthiwani ngeMedicaid?

Uma ufanelekela iMedicaid, izindleko zakho zizokhokhwa. Ngeke ube nesibopho samaphrimiyamu noma ezinye izindleko zohlelo.

Isifundazwe ngasinye sinemithetho ehlukile yokufaneleka kweMedicaid. Ungasebenzisa leli thuluzi kusuka endaweni yemakethe yomshwalense wezempilo ukubona ukuthi ungafaneleka yini ukuthola iMedicaid esifundeni sakho.

Ukuthatha

Ungathola ukufakwa kwe-Medicare kungakhathalekile iholo lakho. Khumbula ukuthi:

• Uma usuthole amazinga athile emali engenayo, kuzodingeka ukhokhe izindleko eziphakeme ze-premium.
• Uma umholo wakho ungaphezu kwama- $ 88,000, uzothola i-IRMAA bese ukhokha izindleko ezingeziwe zokutholakala kweNgxenye B neNgxenye D.
• Ungafaka isikhalazo nge-IRMAA uma izimo zakho zishintsha.
• Uma uku-bracket yemali ephansi, ungathola usizo lokukhokhela i-Medicare.
• Ungafaka isicelo ngehhovisi lesifundazwe sakho seMedicaid ukuthola izinhlelo ezikhethekile nosizo lweMedicare.

Lo mbhalo uvuselelwe ngoNovemba 10, 2020, ukukhombisa imininingwane ye-2021 Medicare.

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.