I-akhawunti Yokulondolozwa Kwemithi: Ingabe Kukufanele?

-Delile

• Iyini i-akhawunti yokonga iMedicare?
• Izinzuzo ze-akhawunti yokonga ye-Medicare
• Okubi nge-akhawunti yokulondolozwa kwe-Medicare
• Ngubani ofanelekela i-akhawunti yokulondolozwa kwe-Medicare?
• Yini i-akhawunti ye-Medicare savings account?
• Kubiza malini i-akhawunti yokulondoloza iMedicare?
• Ngingabhalisa nini ku-akhawunti yokonga iMedare?
• Ngabe i-akhawunti yokulondolozwa kwe-Medicare ikufanele nini?
• Ukuthatha

I-Medicare ihlanganisa izindleko zakho eziningi zokunakekelwa kwezempilo ngemuva kokuthi ube neminyaka engama-65, kodwa ayihlanganisi konke. Ungahle ufanelekele uhlelo lwe-Medicare oludonswa kakhulu olubizwa nge-akhawunti yokulondoloza iMedicare (MSA). Lezi zinhlelo zezempilo zisebenzisa i-akhawunti yokonga eguquguqukayo exhaswa nguhulumeni unyaka nonyaka.

Kwabanye abasebenzisi beMedicare, lezi zinhlelo ziyindlela yokwelula imali yakho ngokuqhubekayo uma kukhulunywa ngokumboza izindleko zama-deductibles akho nama-copay akho.

Ama-akhawunti okonga ama-Medicare awasetshenziswa kabanzi njengoba ungacabanga - mhlawumbe ngoba kunokudideka okuningi ngokuthi ngubani ofanelekile nokuthi usebenza kanjani. Lo mbhalo uzofaka izisekelo ze-akhawunti yokulondolozwa kwe-Medicare, kufaka phakathi izinzuzo nezingozi zokuba nayo.

Iyini i-akhawunti yokonga iMedicare?

Njengama-akhawunti wokulondolozwa kwezempilo asekelwa umqashi (ama-HSAs), ama-akhawunti wokulondolozwa kwe-Medicare ayindlela kubantu abanezinhlelo zomshuwalense wezempilo ezizimele eziphakeme. Umehluko omkhulu ukuthi ama-MSAs awuhlobo lwecebo leMedicare Advantage, elaziwa nangokuthi yiMedicare Part C.

Ukuze ufanelekele i-MSA, uhlelo lwakho lwe-Medicare Advantage kumele lube ne-deductible ephezulu. Izindlela zokuthi kudonswa imali ephezulu zingahluka ngokuya ngokuthi uhlala kuphi nezinye izinto. I-MSA yakho bese isebenza ngokubambisana neMedicare ukusiza ukumboza izindleko zakho zokunakekelwa kwezempilo.

Idlanzana kuphela labahlinzeki abanikela ngalezi zinhlelo. Kwabanye abantu, bangenza umqondo wezimali, kepha abantu abaningi banokukhathazeka ngohlelo lomshuwalense oludonswa kakhulu. Ngenxa yalezi zizathu, amaphesenti amancane kuphela abantu abakwa-Medicare abasebenzisa ama-MSAs.

IKaiser Family Foundation ilinganisela ukuthi bangaphansi kwabantu abayi-6,000 abantu abasebenzisa ama-MSAs ngo-2019.

Ama-MSA athengiswa yizinkampani zomshuwalense ezizimele ezenza isivumelwano namabhange ukudala ama-akhawunti wokonga. Eziningi zalezi zinkampani zinikela ngokusobala ngokufaka ukuqhathanisa izinhlelo zazo ukuze abathengi baqonde izinketho zabo.

Uma une-MSA, imbewu ye-Medicare leyo akhawunti enenani elithile lemali ekuqaleni konyaka ngamunye. Le mali izoba idiphozi ebalulekile, kepha ngeke imboze yonke imali yakho ekhishwayo.

Imali efakwe kwi-MSA yakho ayikhokhiswa intela. Uma nje usebenzisa imali eku-MSA yakho ukuthola izindleko zokunakekelwa kwezempilo okufanelekile, akunayo intela ukukhipha. Uma kufanele ukhiphe imali kwi-MSA yakho ngezindleko ezihlobene nempilo, inani lokuhoxiswa lingaphansi kwentela yemali engenayo kanye nenhlawulo engamaphesenti angama-50.

Ekupheleni konyaka, uma kunemali esele ku-MSA yakho, kuseseyimali yakho futhi kumane nje kungene unyaka olandelayo. Inzalo ingangena emalini ku-MSA.

Uma usufinyelele emalini yakho ekhishwayo yonyaka usebenzisa i-MSA, zonke izindleko zakho zokunakekelwa kwezempilo ezifanelekile ze-Medicare zihlanganiswa ngasekupheleni konyaka.

Izinhlelo zombono, izinsizakuzwa, kanye nokufakwa kwamazinyo kunikezwa uma unquma ukubakhokhela imali eyengeziwe, futhi ungasebenzisa i-MSA ngezindleko ezihambisanayo. Lezi zinhlobo zezinsizakalo zezempilo azibheki ekubanjweni kwakho. Ukuvakashelwa kokunakekelwa kanye nokuphila kahle nakho kungambozwa ngaphandle kokudonswa kwakho.

Ukutholakala kwezidakamizwa kadokotela, okubizwa nangokuthi i-Medicare Part D, akuhlanganiswa ngokuzenzakalela ngaphansi kwe-MSA. Ungathenga ukumbozwa kwe-Medicare Part D ngokwehlukile, futhi imali oyisebenzisa kumuthi kadokotela isengaphuma kwi-akhawunti yakho yokulondolozwa kweMedare.

Kodwa-ke, ama-copays ezidakamizweni ngeke abalelwe ekudonselweni imali yakho. Bazobala babheke umkhawulo wokusebenzisa imali ongaphandle kwe-Medicare Part D (TrOOP).

Izinzuzo ze-akhawunti yokonga ye-Medicare

• I-Medicare ixhasa i-akhawunti, ikunike imali minyaka yonke maqondana nokudonswa kwakho.
• Imali ku-MSA ayikhokhiswa intela uma nje uyisebenzisela izindleko zakho zokunakekelwa kwempilo.
• Ama-MSAs angenza izinhlelo ezidonswa kakhulu, ezihlala zinikeza ukumbozwa okuphelele kune-Medicare yasekuqaleni, engenzeka ngokwezimali.
• Ngemuva kokuhlangana nokudonswa kwemali yakho, akudingeki ukhokhele ukunakekelwa okuhlanganiswe ngaphansi kweMedicare Part A no-Part B.

Okubi nge-akhawunti yokulondolozwa kwe-Medicare

• Inani elidonswayo liphezulu kakhulu.
• Uma udinga ukukhipha imali kwi-MSA yakho ngezindleko ezingezona ezempilo, izinhlawulo zikhulu.
• Awungezi enye yemali yakho kwi-MSA.
• Ngemuva kokuthi uhlangane nemali yakho ebanjwayo, kusamele ukhokhe imali yakho yenyanga.

Ngubani ofanelekela i-akhawunti yokulondolozwa kwe-Medicare?

Abanye abantu abafanelekela i-Medicare abafanelekile ukuthola i-akhawunti yokulondolozwa kwe-Medicare. Awuyifanelekeli i-MSA uma:

• ufanele iMedicaid
• uku ukunakekelwa kwe-hospice
• unesifo se-renal sokugcina
• usuvele unokutholakala kwezempilo okuzohlanganisa konke noma ingxenye yemali yakho ekhishwayo yonyaka
• uhlala ngaphandle kwe-United States isigamu sonyaka noma ngaphezulu

Yini i-akhawunti ye-Medicare savings account?

I-akhawunti yokulondolozwa kweMedicare iyadingeka ukumboza noma yini ezokhokhelwa yiMedicare yangempela. Lokho kufaka phakathi iMedicare Part A (ukunakekelwa esibhedlela) kanye neMedicare Part B (ukunakekelwa kwezempilo kweziguli).

Njengoba izinhlelo ze-akhawunti ye-Medicare savings ziyizinhlelo ze-Medicare Advantage (Medicare Part C), inethiwekhi yodokotela nokutholakala kokunakekelwa kwezempilo kungahle kube okuphelele kune-Medicare yasekuqaleni.

I-akhawunti yokonga ye-Medicare ayihlanganisi ngokuzenzakalela umbono, amazinyo, imishanguzo kadokotela, noma izinsiza-kuzwa. Ungangeza lezi zinhlobo zokumboza kuhlelo lwakho, kodwa zizodinga i-premium yangenyanga eyengeziwe.

Ukuze ubone ukuthi yimaphi amasu omshuwalense angeziwe atholakala endaweni yakho uma une-MSA, xhumana nohlelo lwakho losizo lomshuwalense wezempilo (SHIP).

Izinqubo zezimonyo nezokukhetha azihlanganiswa yi-akhawunti yokonga yeMedare. Izinsizakalo ezinganikwanga udokotela, njengezinqubo eziphelele zokunakekelwa kwezempilo, enye indlela yokwelashwa, nezithasiselo zokudla okunempilo, azimboziwe. Ukwelashwa ngokomzimba, izivivinyo zokuxilonga, nokunakekelwa kwe-chiropractic kungambozwa ngamacala ngamacala.

Kubiza malini i-akhawunti yokulondoloza iMedicare?

Uma une-akhawunti yokonga ye-Medicare, usazodinga ukukhokha i-premium yakho yanyanga zonke ye-Medicare Part B.

Kufanele futhi ukhokhe imali ekhokhelwayo ukuze ubhalise ku-Medicare Part D ngokwehlukana, ngoba ama-akhawunti okonga ama-Medicare awahlanganisi imishanguzo kadokotela futhi ngokomthetho kudingeka ube nakho lokho kufakwa.

Lapho usuthole idiphozi yakho yokuqala, ungahambisa imali kwi-akhawunti yakho yokonga ye-Medicare iye kwi-akhawunti yokonga enikezwe isikhungo esihlukile sezezimali. Uma ukhetha ukwenza lokhu, ungahle ukhonjelwe emithethweni yalelo bhange mayelana namabhalansi amancane, imali yokudlulisa, noma amanani wenzalo.

Kukhona nezinhlawulo nezimali zokukhipha imali yanoma yini enye ngaphandle kwezindleko zezempilo ezivunyelwe.

Ngingabhalisa nini ku-akhawunti yokonga iMedare?

Ungabhalisa kwi-akhawunti yokonga ye-Medicare ngesikhathi sokhetho lonyaka, phakathi kukaNovemba 15 noDisemba 31 unyaka nonyaka. Ungabhalisa futhi ohlelweni lapho uqala ukubhalisela i-Medicare Part B.

Ngabe i-akhawunti yokulondolozwa kwe-Medicare ikufanele nini?

Ngaphambi kokuthi ubhalise ku-MSA, kunemibuzo emibili ebalulekile okudingeka uyibuze:

• Izoba yini imali ekhishwayo? Izinhlelo ezinama-MSAs ngokuvamile zinokudonswa okuphezulu kakhulu.
• Izoba yini idiphozi yaminyaka yonke evela kwaMedicare? Khipha idiphozi yaminyaka yonke emalini ekhishwayo bese ubona ukuthi uzoba nesibopho esingakanani semali ekhishwayo ngaphambi kokuba i-Medicare ikwazi ukumboza ukunakekelwa kwakho.

Isibonelo, uma imali ekhishwayo ingama- $ 4,000 futhi i-Medicare inikela ngama- $ 1,000 ku-MSA yakho, uzoba nesibopho sokukhipha imali engama- $ 3,000 ephaketheni ngaphambi kokuba ukunakekelwa kwakho kuhlanganiswe.

I-akhawunti yokonga ye-Medicare ingaba nengqondo uma uchitha imali eningi kumaphrimiyamu aphezulu futhi ungakhetha ukwabela lezo zindleko kudonsi. Noma ukudonswa okuphezulu kungakunika ukushaqeka kwesitika ekuqaleni, lezi zinhlelo ziyayisebenzisa imali yakho yonyaka ngakho-ke unombono ocacile wemali ephezulu ongase uyikhokhe.

Ngamanye amagama, i-MSA ingazinzisa ukuthi usebenzisa malini ekunakekelweni kwezempilo minyaka yonke, okuyinto ebiza kakhulu ngokuthula kwengqondo.

Ukuthatha

Ama-akhawunti okonga ama-Medicare enzelwe ukunikeza abantu abane-Medicare usizo nge-deductible yabo, kanye nokulawulwa okungaphezulu kokuthi basebenzisa malini ekunakekelweni kwezempilo. Okudonswayo kulezi zinhlelo kuphakeme kakhulu kunezinhlelo ezifanayo. Ngakolunye uhlangothi, ama-MSAs aqinisekisa idiphozi ebalulekile, engakhokhiswa intela maqondana nemali oyidonsayo minyaka yonke.

Uma ucabangela i-akhawunti yokonga ye-Medicare, ungahle uthande ukukhuluma nomhleli wezezimali noma ushayele inombolo yosizo ye-Medicare (1-800-633-4227) ukuze ubone ukuthi ikufanele yini.

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