Iyini i-IRMAA? Okudingeka Ukwazi Ngezindleko Zokukhokhela Imali Ezingenayo
-Delile
- Yiziphi izingxenye ze-Medicare ezithinta i-IRMAA?
- Ingxenye yeMedicare A
- Ingxenye yeMedare B
- Ingxenye yeMedicare C
- Ingxenye yeMedare D
- Ingabe i-IRMAA izokwengeza malini kuzindleko zami zengxenye B?
- Ingabe i-IRMAA izokwengeza malini kuzindleko zami zengxenye D?
- Isebenza kanjani i-IRMAA?
- Ngingayifaka kanjani isikhalazo nge-IRMAA?
- Ngingafaka nini isikhalazo?
- Kukuziphi izimo lapho ngingafaka khona isikhalazo?
- Imiphi imibhalo engizodinga ukuyinikeza?
- Ngisifaka kanjani isikhalazo?
- Isibonelo sesikhalazo se-IRMAA
- Ukuthatha
- I-IRMAA intela ekhokhwayo engezwa kumaphrimiyamu akho enyanga zonke e-Medicare Part B nePart D, ngokuya ngeholo lakho lonyaka.
- Abaphathi beSocial Security (SSA) basebenzisa imininingwane yakho yentela evela eminyakeni emi-2 eyedlule ukunquma ukuthi ngabe ukweleta i-IRMAA yini ngaphezu kweprimiyamu yakho yanyanga zonke.
- Imali ekhokhiswayo ozokhokha incike ezintweni ezifana nebakaki lakho lemali engenayo nokuthi uyifake kanjani intela yakho.
- Izinqumo ze-IRMAA zingadluliswa uma kukhona iphutha emininingwaneni yentela esetshenzisiwe noma uma uhlangabezane nomcimbi wokushintsha impilo owanciphisa imali yakho engenayo.
I-Medicare uhlelo lomshuwalense wezempilo wabantu abaneminyaka engama-65 nangaphezulu nalabo abanezimo ezithile zezempilo. Yenziwe izingxenye eziningana. Ngo-2019, iMedicare yahlanganisa abantu baseMelika abangaba yizigidi ezingama-61 futhi kulindeleke ukuthi inyuke iye ezigidini ezingama-75 ngonyaka ka-2027.
Izingxenye eziningi zeMedicare zibandakanya ukukhokha imali ekhokhwa njalo ngenyanga. Kwezinye izimo, i-premium yakho yanyanga zonke ingalungiswa ngokuya ngeholo lakho. Elinye lamacala anjalo kungaba inani lokulungiswa elihlobene nenyanga (IRMAA).
I-IRMAA isebenza kubahlomuli be-Medicare abanemali engenayo ephezulu. Qhubeka ufunda ukuze ufunde kabanzi nge-IRMAA, ukuthi isebenza kanjani, kanye nezingxenye zeMedicare esebenza kuzo.
Yiziphi izingxenye ze-Medicare ezithinta i-IRMAA?
I-Medicare inezingxenye eziningana. Ingxenye ngayinye ihlanganisa uhlobo oluhlukile lwensizakalo ehlobene nempilo. Ngezansi, sizokwephula izingxenye zeMedicare futhi sibuyekeze ukuthi ngabe iyathinteka yini yi-IRMAA.
Ingxenye yeMedicare A
Ingxenye A ngumshwalense wesibhedlela. Ibandakanya ukuhlala kwabangalali ezindaweni ezifana nezibhedlela, izindawo zabahlengikazi abanamakhono, nezindawo zezempilo yengqondo. I-IRMAA ayithinti Ingxenye A. Empeleni, abantu abaningi abaneNgxenye A abayikhokhi ngisho ne-premium yenyanga ngayo.
Ingxenye A amaphrimiyamu imvamisa imahhala ngoba ukhokhe intela yeMedicare isikhathi esithile ngenkathi usebenza. Kepha uma ungakhokhi intela yeMedicare okungenani amakota angama-30 noma uhluleka ukuhlangabezana nezinye iziqu zokutholakala mahhala kwe-premium, khona-ke i-premium ejwayelekile yanyanga zonke yeNxenye A ingu- $ 471 ngo-2021.
Ingxenye yeMedare B
Ingxenye B wumshwalense wezokwelapha. Ihlanganisa:
- izinsizakalo ezahlukahlukene zezempilo ezingalaliswayo
- imishini yezokwelapha ehlala njalo
- ezinye izinhlobo zokunakekelwa kokuvimbela
I-IRMAA ingathinta izindleko zakho zeprimiyamu yengxenye B. Ngokuya ngeholo lakho lonyaka, enye intela ingangezelelwa ku-premium ejwayelekile ye-Part B. Sizoxoxa ngemininingwane yokuthi le ntela ekhokhiswayo isebenza kanjani esigabeni esilandelayo.
Ingxenye yeMedicare C
Ingxenye C ibizwa nangokuthi yi-Medicare Advantage. Lezi zinhlelo zithengiswa yizinkampani zomshuwalense ezizimele. Izinhlelo zeMedicare Advantage zivame ukumboza izinsizakalo i-Medicare yasekuqaleni (izingxenye A no-B) ezingazifaki, njengamazinyo, ukubona nokuzwa.
Ingxenye C ayithintwa yi-IRMAA. Amaphrimiyamu wanyanga zonke engxenye C angahluka kakhulu ngokuya ngezici ezinjengecebo lakho elithile, inkampani enikeza uhlelo lwakho, nendawo okuyo.
Ingxenye yeMedare D
Ingxenye D ukumbozwa kwezidakamizwa kadokotela. Njengezinhlelo zePart C, izinhlelo zikaPart D zithengiswa yizinkampani ezizimele.
Ingxenye D nayo ithintekile yi-IRMAA. Njengengxenye B, enye imali ingangezelelwa kwi-premium yakho yanyanga zonke, ngokuya ngomholo wakho waminyaka yonke. Lokhu kwehlukile kokukhokhisa okungaphezulu okungangezwa kumaphrimiyamu engxenye B.
Ingabe i-IRMAA izokwengeza malini kuzindleko zami zengxenye B?
Ngo-2021, i-premium ejwayelekile yanyanga zonke yeNxenye B ingu- $ 148.50. Ngokuya ngeholo lakho lonyaka, ungaba nenye imali ekhokhwayo eyengeziwe ye-IRMAA.
Leli nani libalwa kusetshenziswa imininingwane yakho yentela engenayo kusukela eminyakeni emi-2 edlule. Ngakho-ke, ngo-2021, imininingwane yakho yentela evela ku-2019 izohlolwa.
Amanani wokukhokhisa ahlukahluka ngokuya kubakaki bakho beholo nokuthi uyifaka kanjani intela yakho. Ithebula elingezansi lingakunika umbono wokuthi yiziphi izindleko ongazilindela ku-2021.
| Imali engenayo yonyaka ngo-2019: umuntu ngamunye | Imali engenayo yonyaka ngo-2019: eshadile, efayilwa ngokuhlanganyela | Imali engenayo yonyaka ngo-2019: ushadile, ufaka ngokuhlukile | Ingxenye B ye-premium yenyanga ka-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 |
Ingabe i-IRMAA izokwengeza malini kuzindleko zami zengxenye D?
Ayikho imali ejwayelekile yanyanga zonke yezinhlelo zePart D. Inkampani enikeza inqubomgomo izonquma inkokhelo yayo yenyanga.
Imali ekhokhwayo ekhokhwayo yeNxenye D nayo inqunywa ngokuya ngemininingwane yakho yentela yemali engenayo kusukela eminyakeni emi-2 edlule. Njengengxenye B, izinto ezifana nebakaki lakho lemali engenayo nokuthi uzifake kanjani izintela zakho ziyayithinta imali ekhokhiswayo.
Imali ekhokhwayo eyengeziwe yeNxenye D ikhokhwa ngqo ku-Medicare, hhayi kumhlinzeki wohlelo lwakho. Ithebula elingezansi lihlinzeka ngemininingwane ngamanani okukhokhisa okungaphezulu kwengxenye D ka-2021.
| Imali engenayo yonyaka ngo-2019: umuntu ngamunye | Imali engenayo yonyaka ngo-2019: eshadile, efayilwa ngokuhlanganyela | Imali engenayo yonyaka ngo-2019: ushadile, ufaka ngokuhlukile | Iphrimiyamu yanyanga zonke ka-Part D yango-2021 |
|---|---|---|---|
| ≤ $88,000 | ≤ $176,000 | ≤ $88,000 | uhlelo lwakho olujwayelekile lwe-premium |
| > $88,00–$111,000 | > $176,000–$222,000 | - | uhlelo lwakho lwe-premium + $ 12.30 |
| > $111,000–$138,000 | > $222,000–$276,000 | - | uhlelo lwakho lwe-premium + $ 31.80 |
| > $138,000–$165,000 | > $276,000–$330,000 | - | uhlelo lwakho lwe-premium + $ 51.20 |
| > $165,000– < $500,000 | > $330,000– < $750,000 | > $88,000– < $412,000 | uhlelo lwakho lwe-premium + $ 70.70 |
| ≥ $500,000 | ≥ $750,000 | ≥ $412,000 | uhlelo lwakho lwe-premium + $ 77.10 |
Isebenza kanjani i-IRMAA?
Ukuphathwa Kwezokuphepha Komphakathi (i-SSA) kunquma i-IRMAA yakho. Lokhu kusekelwe kulwazi olunikezwe yi-Internal Revenue Service (IRS). Ungathola isaziso esivela kwa-SSA mayelana ne-IRMAA nganoma yisiphi isikhathi sonyaka.
Uma i-SSA ithatha isinqumo sokuthi i-IRMAA isebenza kuma-premium akho e-Medicare, uzothola isaziso sokunqunywa kusengaphambili ngeposi. Lokhu kuzokwazisa nge-IRMAA yakho ethile futhi kuzobandakanya nemininingwane efana nale:
- ibalwa kanjani i-IRMAA
- okufanele ukwenze uma imininingwane esetshenzisiwe ukubala i-IRMAA ingalungile
- okufanele ukwenze uma ngabe unciphisiwe emholweni noma umcimbi oguqula impilo
Uzobe usuthola isaziso sokuqala sokuzimisela ngeposi ezinsukwini ezingama-20 noma ngaphezulu ngemuva kokuthola isaziso sokunqunywa kusengaphambili. Lokhu kuzofaka imininingwane emayelana ne-IRMAA, lapho iqala ukusebenza, nezinyathelo ongazithatha ukusidlulisa isikhalazo.
Ngeke kudingeke ukuthi uthathe noma isiphi isinyathelo esingeziwe sokukhokha imali eyengeziwe ekhokhwayo ehambisana ne-IRMAA. Zizofakwa ngokuzenzakalela kwizikweletu zakho ze-premium.
Unyaka nonyaka, i-SSA ibuye ibukeze ukuthi ngabe i-IRMAA kufanele ifake isicelo kuma-premium akho e-Medicare. Ngakho-ke, kuya ngeholo lakho, i-IRMAA ingangezwa, ivuselelwe, noma isuswe.
Ngingayifaka kanjani isikhalazo nge-IRMAA?
Uma ungakholelwa ukuthi kufanele ukhokhe i-IRMAA, ungafaka isikhalazo ngesinqumo. Ake sibhekisise ukuthi le nqubo isebenza kanjani.
Ngingafaka nini isikhalazo?
Ungafaka isikhalazo ngesinqumo se-IRMAA kungakapheli izinsuku ezingama-60 kokuthola isaziso sokumiswa kwe-IRMAA ngeposi. Ngaphandle kwalesi sikhathi, i-SSA izohlola ukuthi unaso yini isizathu esizwakalayo sokudluliswa kwesinqumo sekwedlule isikhathi.
Kukuziphi izimo lapho ngingafaka khona isikhalazo?
Kunezimo ezimbili lapho ungafaka khona isikhalazo nge-IRMAA.
Isimo sokuqala sifaka imininingwane yentela esetshenziselwe ukunquma i-IRMAA. Ezinye izibonelo zezimo zentela lapho ungafuna ukufaka isikhalazo nge-IRMAA zifaka:
- Imininingwane esetshenziswe yi-SSA ukuthola i-IRMAA ayilungile.
- I-SSA isebenzise idatha endala noma ephelelwe yisikhathi ukuthola i-IRMAA.
- Ugcwalise imbuyiselo yentela echitshiyelwe phakathi nonyaka i-SSA isebenzisa ukuthola i-IRMAA.
Isimo sesibili sifaka imicimbi eshintsha impilo. Le yimicimbi ethinta kakhulu umholo wakho. Kunemicimbi eyisikhombisa efanelekayo:
- umshado
- ukuchitha isehlukaniso noma umshado
- ukushona komlingani
- ukuncishiswa komsebenzi
- ukumiswa komsebenzi
- ukulahlekelwa noma ukunciphisa izinhlobo ezithile zempesheni
- ukulahleka kwemali engenayo evela endaweni engenisa imali
Imiphi imibhalo engizodinga ukuyinikeza?
Imibhalo odinga ukuyinikeza njengengxenye yesikhalazo sakho incike esimeni sakho. Zingafaka:
- amafomu entela kahulumeni
- isitifiketi somshado
- isinqumo sesehlukaniso noma sokuchithwa komshado
- isitifiketi sokushona
- amakhophi ama-stub pay
- isitatimende esisayiniwe esivela kumqashi wakho esikhombisa ukuncishiswa noma ukumiswa komsebenzi
- incwadi noma isitatimende esikhombisa ukulahleka noma ukuncishiswa kwempesheni
- isitatimende esivela endaweni yokulungisa umshwalense ekhombisa ukulahleka kwempahla engenisa imali
Ngisifaka kanjani isikhalazo?
Isikhalazo kungenzeka singadingeki. I-SSA kwesinye isikhathi izokwenza ukuzimisela okusha kokuqala isebenzisa imibhalo ebuyekeziwe. Uma ungafaneleki ukuthola isinqumo esisha sokuqala, ungafaka isikhalazo ngesinqumo se-IRMAA.
Ungaxhumana ne-SSA ukuqala inqubo yezikhalazo. Isaziso sakho sokuqala sokuzimisela kufanele futhi sibe nemininingwane yokuthi ungakwenza kanjani lokhu.
Isibonelo sesikhalazo se-IRMAA
Wena noshade naye nihlangene ngokufaka intela yakho yonyaka ka-2019. Lona ulwazi i-SSA elusebenzisayo ukuthola i-IRMAA ngonyaka ka-2021. Ngokuya ngalolu lwazi, i-SSA inquma ukuthi udinga ukukhokha imali ekhokhwayo eyengeziwe kuma-premium akhona e-Medicare.
Kepha ufuna ukufaka isikhalazo ngesinqumo ngoba ube nomcimbi oshintsha impilo lapho wena nomlingani wakho nihlukanisa ngo-2020. Isehlukaniso siholela ekwehliseni okukhulu emholweni wakho wekhaya.
Ungafaka isikhalazo ngesinqumo sakho se-IRMAA ngokuxhumana ne-SSA, ugcwalise amafomu afanele, futhi unikeze nemibhalo efanele (njengesinqumo sedivosi).
Qiniseka ukuthi uqoqa imibhalo efanelekile yesikhalazo sakho. Kungase kudingeke nokuthi ugcwalise inani le-Medicare Income-Related Monthly Adjustment Inani: Ifomu Lomcimbi Oguqula Ukuphila.
Uma i-SSA ibukeza futhi ivuma isikhalazo sakho, amaphrimiyamu akho akhokhwa ngenyanga azolungiswa. Uma isicelo sakho senqatshiwe, i-SSA ingakunikeza imiyalo yokuthi ungasifaka kanjani isicelo sokuphikisa ukulahlwa lapho ulalelwa.
Izinsizakusebenza zosizo olwengeziweUma unemibuzo noma ukukhathazeka mayelana neMedicare, i-IRMAA, noma ukuthola usizo ngokukhokha amaphrimiyamu akho, cabanga ukusebenzisa izinsizakusebenza ezilandelayo:
- Imithi. Ungaxhumana neMedicare ngqo ku-800-Medicare ukuthola ulwazi ngezinzuzo, izindleko, nezinhlelo zosizo ezinjengezinhlelo Zokulondolozwa Kwemithi kanye Nosizo Olungeziwe.
- SSA. Ukuthola imininingwane nge-IRMAA kanye nenqubo yezikhalazo, i-SSA ingathintwa ngqo ku-800-772-1213.
- UMKHUMBI. Uhlelo lwe-State Health Insurance Assistance Program (SHIP) luhlinzeka ngosizo lwamahhala ngemibuzo yakho ye-Medicare. Ungathola ukuthi ungaxhumana kanjani nohlelo LOMKHUMBI wombuso wakho lapha.
- I-Medicaid. IMedicaid wuhlelo oluhlanganyelwe lukahulumeni nolwezwe olusiza abantu abanemali engenayo ephansi noma izinsizakusebenza ngezindleko zabo zokwelashwa. Ungathola eminye imininingwane noma uhlole ukuthi ufanelekile yini kusayithi le-Medicaid.
Ukuthatha
I-IRMAA inkokhelo eyengeziwe engangezwa kumaphrimiyamu akho anyanga zonke eMedare ngokuya ngeholo lakho lonyaka. Kusebenza kuphela ezingxenyeni zeMedicare B no-D.
I-SSA isebenzisa imininingwane yakho yentela engenayo kusukela eminyakeni emi-2 eyedlule ukunquma ukuthi ngabe ukweleta i-IRMAA yini. Inani lokukhokhisa ongadinga ukulikhokha linqunywa ngokuya kubakaki bakho abahola imali nokuthi uyifaka kanjani intela yakho.
Kwezinye izimo, izinqumo ze-IRMAA zingadluliswa. Uma uthole isaziso mayelana ne-IRMAA futhi ukholwa ukuthi awudingi ukukhokha imali ekhokhwayo eyengeziwe, xhumana ne-SSA ukuze ufunde kabanzi.
Lo mbhalo uvuselelwe ngoNovemba 13, 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.
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