Yeyiphi imida yengeniso yonyango ngo-2021?

Umxholo

• Ingeniso yam izakuchaphazela njani iipremiyamu zam zeMedare?
• Icandelo lezeMedicare
• Amaphrimiyamu e-Medicare Part B
• Amaphrimiyamu eCandelo le-Medicare
• Kuthiwani ngezicwangciso ze-Medicare Advantage?
• Ndiza kuhlawula malini ngezavenge kwi2021?
• Ndingayibhena njani i-IRMAA?
• Uncedo lwabathathi-nxaxheba beMedicare abanengeniso ephantsi
• Iinkqubo zokonga amayeza
• Inkqubo yeMedicare Beneficiary (QMB) efanelekileyo
• Iinkqubo ezichaziweyo zoNcedo lwezeMali ezisezantsi (SLMB)
• Inkqubo elungiselelwe umntu ngamnye (QI)
• Inkqubo elungeleyo umntu ngamnye (QDWI)
• Ndingalufumana uncedo ngeendleko zeCandelo D?
• Kuthekani ngeMedicaid?
• Ukuthatha

• Akukho mida yengeniso yokufumana izibonelelo zeMedare.
• Unokuhlawula ngaphezulu iipremiyamu zakho ngokuxhomekeke kwinqanaba lakho lomvuzo.
• Ukuba unomvuzo omncinci, unokufanelekela uncedo ekuhlawuleni iipremiyamu zeMedare.

I-Medicare iyafumaneka kubo bonke abantu baseMelika abaneminyaka yobudala engama-65 okanye nangaphezulu, ngaphandle kwengeniso. Nangona kunjalo, umvuzo wakho unokuchaphazela ukuba uhlawula malini ukogquma.

Ukuba wenza umvuzo ophezulu, uya kuhlawula ngaphezulu iipremiyamu zakho, nangona izibonelelo zakho zeMedicare zingazukutshintsha. Kwelinye icala, unokufumana uncedo lokuhlawula iipremiyamu zakho ukuba unengeniso encinci.

Ingeniso yam izakuchaphazela njani iipremiyamu zam zeMedare?

Ukugubungela amayeza kuyahlulahlulwa kube ngamacandelo:

• Icandelo lezaMayeza A. Oku kuthathwa njenge-inshurensi yesibhedlele kwaye kugubungela ukuhlala ngaphakathi kwizibhedlele nakwindawo zononophelo.
• Icandelo leMedare B. Le yi-inshurensi yezonyango kwaye igubungela utyelelo koogqirha neengcali, kunye nokukhwela ii-ambulensi, izitofu, izinto zonyango kunye nezinye izinto eziyimfuneko.

Ngokudibeneyo, iinxalenye ze-A kunye ne-B zihlala zibizwa ngokuba yi "Medicare yasekuqaleni." Iindleko zakho ze-Medicare yoqobo ziyahluka ngokuxhomekeke kumvuzo wakho kunye neemeko.

Icandelo lezeMedicare

Uninzi lwabantu aluyi kuhlawula kwanto kwiCandelo leMedare. Icandelo lakho Ukhuselo lusimahla ukuba ufanelekile kukhuseleko lwezeNtlalontle okanye kwizibonelelo zeBhodi yomhlala phantsi.

Unokufumana kwakhona i-Part-free ye-Part A ngaphandle nokuba awukulungelanga ukufumana izibonelelo zoKhuseleko loLuntu.Ke, ukuba uneminyaka engama-65 kwaye awukulungelanga ukuthatha umhlala-phantsi, usenokuthatha ithuba lokugubungela iMedicare.

Icandelo A linokutsalwa rhoqo ngonyaka. Ngo-2021, i-deductible yi- $ 1,484. Kuya kufuneka uchithe le mali ngaphambi kokuba iCandelo A lakho ligubungele.

Amaphrimiyamu e-Medicare Part B

KwiCandelo B lokugubungela, uya kuhlawula ipremiyamu rhoqo ngonyaka. Uninzi lwabantu luya kuhlawula imali yesiqhelo. Ngo-2021, i-premium esemgangathweni yi- $ 148.50. Nangona kunjalo, ukuba wenza ngaphezulu komda wengeniso osetiweyo, uya kuhlawula ngaphezulu ngeprimiyamu yakho.

Ixabiso leprimiyamu elongeziweyo liyaziwa njengesixa esihambelana nohlengahlengiso lwenyanga (IRMAA). Ulawulo loKhuseleko lweNtlalo (SSA) luchaza i-IRMAA yakho ngokusekwe kwingeniso epheleleyo kwimbuyekezo yakho yerhafu. I-Medicare isebenzisa ukubuya kwakho kwirhafu kwiminyaka emi-2 eyadlulayo.

Umzekelo, xa usenza isicelo sokugubungela iMedicare ngo-2021, i-IRS iya kubonelela ngeMedicare ngengeniso yakho kwimbuyekezo yakho yerhafu ka-2019. Ungahlawula ngaphezulu ngokuxhomekeke kumvuzo wakho.

Ngo-2021, amaxabiso aphezulu epremiyamu aqala xa abantu besenza ngaphezulu kwe- $ 88,000 ngonyaka, kwaye inyuka isuka apho. Uyakufumana ileta ye-IRMAA ngeposi evela kwi-SSA ukuba kugqityiwe ukuba kufuneka uhlawule ipremiyamu ephezulu.

Amaphrimiyamu eCandelo le-Medicare

Icandelo lonyango i-Medicare Icandelo D kukugubungela amayeza. Izicwangciso zeCandelo D zineeprimiyamu zazo ezizodwa. Inani lesiseko se-premium somxhamli we-Medicare Part D ngo-2021 yi- $ 33.06, kodwa iindleko ziyahluka.

Icandelo lakho leNkulumbuso liya kuxhomekeka kwisicwangciso osikhethileyo. Ungasebenzisa iwebhusayithi ye-Medicare ukuthenga izicwangciso kwindawo yakho. NjengakwiCandelo B lokugubungela, uya kuhlawula iindleko ezongeziweyo ukuba wenza ngaphezulu kwenqanaba lomvuzo elicwangcisiweyo.

Ngo-2021, ukuba umvuzo wakho ungaphezulu kwe- $ 88,000 ngonyaka, uya kuhlawula i-IRMAA ye- $ 12.30 inyanga nenyanga ngaphezulu kweendleko zepremiyamu yesiGaba D sakho. Ixabiso le-IRMAA lenyuka ukusuka apho kumanqanaba aphezulu emivuzo.

Oku kuthetha ukuba ukuba wenza i-95,000 yeedola ngonyaka, kwaye ukhetha isicwangciso seCandelo D ngeprimiyamu yenyanga eyi- $ 36, iindleko zakho zenyanga zizonke ziya kuba yi- $ 48.30.

Kuthiwani ngezicwangciso ze-Medicare Advantage?

Ixabiso lentengo ye-Medicare Advantage (Icandelo C) liyahluka kakhulu. Kuxhomekeka kwindawo okuyo, unokuba neenketho ezininzi, zonke zinamaxabiso ahlukeneyo epremiyamu. Ngenxa yokuba izicwangciso zeCandelo C azinaso isicwangciso esiqhelekileyo, akukho zibiyeli zengeniso zisetiweyo kumaxabiso aphezulu.

Ndiza kuhlawula malini ngezavenge kwi2021?

Uninzi lwabantu luya kuhlawula ixabiso eliqhelekileyo kwi-premium yabo ye-Medicare Part B. Nangona kunjalo, uya kuba ne-IRMAA ukuba wenza ngaphezulu kwe- $ 88,000 ngonyaka onikiweyo.

Kwicandelo D, uyakuhlawula ipremiyamu yesicwangciso osikhethileyo. Kuxhomekeke kumvuzo wakho, uya kuhlawula imali eyongezelelweyo kwi-Medicare.

Olu luhlu lulandelayo lubonisa iibakaki zengeniso kunye nexabiso le-IRMAA oya kulihlawula iCandelo B kunye neCandelo D ngo-2021:

Kukho iibakaki ezahlukeneyo kwizibini ezitshatileyo ezifayilisha irhafu ngokwahlukeneyo. Ukuba le yimeko yakho yokugcwalisa, uyakuhlawula ezi mali zilandelayo zeCandelo B:

• $ 148.50 ngenyanga ukuba wenza i-88,000 yeedola okanye ngaphantsi
• $ 475.20 ngenyanga ukuba wenza ngaphezulu kwe- $ 88,000 nangaphantsi kwama- $ 412,000
• $ 504.90 ngenyanga ukuba wenza i-412,000 yeedola okanye nangaphezulu

Iindleko zakho zepremiyamu yesiQendu B ziya kutsalwa ngqo kwizibonelelo zakho zoKhuseleko lweNtlalontle okanye kwiBhodi yeRhafu yoMhlala-phantsi. Ukuba awufumani sibonelelo, uyakufumana ityala kwi-Medicare rhoqo kwiinyanga ezi-3.

Kanye njengeCandelo B, kukho iibakaki ezahlukeneyo kwizibini ezitshatileyo ezifayil ngokwahlukeneyo. Kule meko, uya kuhlawula iipremiyamu zilandelayo zeCandelo D:

• Ipremiyamu yesicwangciso kuphela xa usenza i $ 88,000 okanye ngaphantsi
• ipremiyamu yesicwangciso sakho kunye ne-70.70 yeedola ukuba wenza ngaphezulu kwe- $ 88,000 nangaphantsi kwe- $ 412,000
• ipremiyamu yesicwangciso sakho kunye ne- $ 77.10 ukuba wenza i $ 412,000 okanye nangaphezulu

I-Medicare iya kukuhlawulisa inyanga nenyanga ngesixa esongezelelweyo seCandelo D.

Ndingayibhena njani i-IRMAA?

Unokufaka isibheno kwi-IRMAA yakho ukuba uyakholelwa ukuba ayichanekanga okanye ukuba utshintshe kakhulu imeko yobomi. Uya kudinga ukunxibelelana noKhuseleko lweNtlalo ukucela ukuqwalaselwa kwakhona.

Ungacela isibheno ukuba:

• idatha ethunyelwe yi-IRS ibingalunganga okanye iphelelwe lixesha
• ulungisile ukubuya kwakho kwirhafu kwaye ukholelwa ukuba i-SSA ifumene ingxelo engeyiyo

Unokucela isibheno ukuba unotshintsho olukhulu kwiimeko zakho zemali, kubandakanya:

• ukusweleka kweqabane
• uqhawulo-mtshato
• umtshato
• ukusebenza iiyure ezimbalwa
• Ukuyeka okanye ukulahlekelwa ngumsebenzi
• ilahleko yengeniso evela komnye umthombo
• ukulahleka okanye ukunciphisa ipenshoni

Umzekelo, ukuba uqeshwe ngo-2019 kwaye wenza i-120,000 yeedola, kodwa uthathe umhlala-phantsi ngo-2020 kwaye ngoku wenza i-65,000 yeedola kwizibonelelo, ungabhena kwi-IRMAA yakho.

Ungagcwalisa isixa semali esiLungelelanisiweyo seNyanga esiNgenayo seMedare- Ifom yoTshintsho kuBomi kwaye unikezele ngamaxwebhu axhasayo malunga notshintsho lwengeniso yakho.

Uncedo lwabathathi-nxaxheba beMedicare abanengeniso ephantsi

Abo banengeniso encinci banokufumana uncedo lokuhlawula iindleko kwi-Medicare yasekuqaleni kunye neCandelo D. Iinkqubo zokonga zeMedare ziyafumaneka ukunceda ukuhlawula iipremiyamu, ukuncitshiswa, ukuqinisekiswa kwemali, kunye nezinye iindleko.

Iinkqubo zokonga amayeza

Zine iindidi zeenkqubo zokonga zeMedare, ezixoxwa ngakumbi kwicandelo elilandelayo.

Ukusukela nge-9 ka-Novemba ngo-2020, i-Medicare khange ibhengeze umvuzo omtsha kunye nezixhobo ukuze zilungele ezi nkqubo zilandelayo zokonga. Amanani aboniswe ngezantsi enzelwe i-2020, kwaye siya kubonelela ngezixa-mali ezihlaziyiweyo ezingama-2021 nje ukuba zibhengezwe.

Inkqubo yeMedicare Beneficiary (QMB) efanelekileyo

Ungayilungela inkqubo ye-QMB ukuba unengeniso yenyanga engaphantsi kwe- $ 1,084 kunye nezixhobo ezipheleleyo ezingaphantsi kwe- $ 7,860. Kwababini abatshatileyo, umda ungaphantsi kwe- $ 1,457 ngenyanga kwaye ungaphantsi kwe- $ 11,800 iyonke. Awuyi kuba noxanduva lweendleko zepremiyamu, ezitsalwayo, iikopayments, okanye iimali ezihlawulwa phantsi kwesicwangciso se-QMB.

Iinkqubo ezichaziweyo zoNcedo lwezeMali ezisezantsi (SLMB)

Ukuba wenza ngaphantsi kwe- $ 1,296 ngenyanga kwaye ungaphantsi kwe- $ 7,860 kwizixhobo, unokufanelekela i-SLMB. Izibini ezitshatileyo kufuneka zenze ngaphantsi kwe- $ 1,744 kwaye zibe ngaphantsi kwe- $ 11,800 yezixhobo ukuze zilungele. Le nkqubo igubungela iziqendu zakho zeCandelo B.

Inkqubo elungiselelwe umntu ngamnye (QI)

Inkqubo yeQI ikwaquka iindleko zeCandelo B kwaye ziqhutywa ngurhulumente ngamnye. Uya kudinga ukuphinda ufake isicelo rhoqo ngonyaka, kwaye izicelo zivunyiwe kwindawo yokuqala eza kuqala. Awunakho ukulungela inkqubo yeQI ukuba uneMedicaid.

Ukuba unengeniso yenyanga engaphantsi kwe- $ 1,456 okanye umvuzo odibeneyo wenyanga ongaphantsi kwe- $ 1,960, uvumelekile ukufaka isicelo senkqubo yeQI. Uya kudinga ukuba ube ngaphantsi kwe- $ 7,860 kwizixhobo. Abantu abatshatileyo kufuneka babe nezixhobo ezingaphantsi kwama- $ 11,800.

Imida yengeniso iphezulu eAlaska naseHawaii kuzo zonke iinkqubo. Ukongeza, ukuba umvuzo wakho uvela kwingqesho nakwizibonelelo, unokulungela ezi nkqubo nokuba ungaphezulu kancinane komda. Unokuqhagamshelana ne-ofisi yakho ye-Medicaid ukuba ucinga ukuba ungafaneleka.

Inkqubo elungeleyo umntu ngamnye (QDWI)

Inkqubo ye-QDWI inceda ukuhlawula i-Medicare Part A premium kubantu abathile abangaphantsi kweminyaka engama-65 abangakulungelanga ukungenelwa kwiCandelo A.

Kuya kufuneka uhlangabezane nezi mfuno zilandelayo zengeniso ukuze ubhalise kwinkqubo ye-QDWI yombuso wakho:

• Ingeniso yenyanga nganye ye- $ 4,339 okanye ngaphantsi
• umda woncedo ngamnye we-4,000 yeedola
• isibini esitshatileyo umvuzo wenyanga wama-5, 833 okanye ngaphantsi
• isibini esitshatileyo sinika umda weedola ezingama-6,000

Ndingalufumana uncedo ngeendleko zeCandelo D?

Unokufumana uncedo lokuhlawula iindleko zakho zeCandelo D. Le nkqubo ibizwa ngokuba luncedo olongezelelweyo. Ngenkqubo yoNcedo eyongezelelweyo, unokufumana imigqaliselo ngeendleko eziphantsi kakhulu. Ngo-2021, uya kuhlawula i-max ye-3.70 yee-generic okanye i-9.20 yeedola kwimithi yegama lomthi.

Kuthekani ngeMedicaid?

Ukuba ufanelekile kwiMedicaid, iindleko zakho ziya kuhlawulwa. Awuyi kuba noxanduva lweepremiyamu okanye ezinye iindleko zesicwangciso.

Urhulumente ngamnye unemithetho eyahlukeneyo yokufaneleka kweMedicaid. Ungasisebenzisa esi sixhobo kwiNdawo yeNtengiso ye-Inshurensi yezeMpilo ukuze ubone ukuba ungafaneleka na kwiMedicaid kwilizwe lakho.

Ukuthatha

Unokufumana i-Medicare yokugubungela nokuba ungenza ntoni. Gcina ukhumbula ukuba:

• Nje ukuba ubethe amanqanaba athile emivuzo, kuya kufuneka uhlawule iindleko eziphezulu zepremiyamu.
• Ukuba umvuzo wakho ungaphezulu kwe- $ 88,000, uyakufumana i-IRMAA kwaye uhlawule iindleko ezongezelelweyo zeCandelo B kunye neCandelo D lokugubungela.
• Ungabhena i-IRMAA ukuba iimeko zakho ziyatshintsha.
• Ukuba ukwi-bracket yengeniso esezantsi, unokufumana uncedo lokuhlawula i-Medicare.
• Unokufaka isicelo kwiofisi yakho yelizwe leMedicaid kwiinkqubo ezizodwa kunye noncedo lweMedare.

Eli nqaku lahlaziywa ngo-Novemba 10, 2020 ukubonisa ulwazi lwango-2021 lonyango.

Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.