Yintoni i-IRMAA? Into ekufuneka uyazi ngeSurcharge-based Surcharges
Umxholo
- Zeziphi iindawo zeMedicare ezichaphazela i-IRMAA?
- Icandelo lezaMayeza A
- Icandelo leMedare B
- Icandelo lonyango Medic C
- Icandelo leMedare D
- Ingakanani i-IRMAA eya kongeza kwiindleko zam zeCandelo B?
- Ingakanani i-IRMAA eza kongeza kwiindleko zam zeCandelo D?
- Isebenza njani i-IRMAA?
- Ndingayibhena njani i-IRMAA?
- Ndingabhena nini?
- Zeziphi iimeko endinokufaka kuzo isibheno?
- Ngawaphi amaxwebhu endizakufuna ukuwanika?
- Ndisingenisa njani isibheno?
- Umzekelo wesibheno se-IRMAA
- Ukuthatha
- I-IRMAA yintlawuliso eyongeziweyo eyongezwa kwiNyanga yeNyango ye-Medicare B kunye nezahlulo zeCandelo D, ngokusekelwe kumvuzo wakho wonyaka.
- Ulawulo loKhuseleko lweNtlalo (SSA) lusebenzisa ulwazi lwakho lwerhafu yengeniso ukusukela kwiminyaka emi-2 eyadlulayo ukumisela ukuba unetyala le-IRMAA ukongeza kwintlawulo yenyanga.
- Imali eyongeziweyo oza kuyibhatala ixhomekeke kwizinto ezinje ngebrakethi yakho yengeniso kunye nendlela oyifayilishe ngayo iirhafu.
- Izigqibo ze-IRMAA zinokufakwa kwisibheno ukuba kukho impazamo kulwazi lwerhafu olusetyenzisiweyo okanye ukuba ukhe wehlelwa sisiganeko sokutshintsha ubomi esinciphise umvuzo wakho.
I-Medicare yinkqubo ye-inshurensi yezempilo yabantu abaneminyaka engama-65 nangaphezulu nangaphezulu kwabo baneemeko ezithile zempilo. Yenziwe ngamacandelo aliqela. Ngo-2019, i-Medicare yagubungela malunga nezigidi ezingama-61 zaseMelika kwaye yaxelwa kwangaphambili ukuba inyuke yaya kwizigidi ezingama-75 ngo-2027.
Amalungu amaninzi eMedicare abandakanya ukuhlawula ipremiyamu yenyanga. Ngamanye amaxesha, ipremiyamu yakho yenyanga inokuhlengahlengiswa ngokusekwe kumvuzo wakho. Enye yezo meko inokuba sisixa-mali esihambelana nengeniso yenyanga (IRMAA).
I-IRMAA isebenza kubaxhamli be-Medicare abanengeniso ephezulu. Qhubeka ufunda ukuze ufunde ngakumbi nge-IRMAA, ukuba isebenza njani, kunye namacandelo e-Medicare asebenza kuwo.
Zeziphi iindawo zeMedicare ezichaphazela i-IRMAA?
I-Medicare inamalungu aliqela. Icandelo ngalinye ligubungela uhlobo olwahlukileyo lwenkonzo enxulumene nezempilo. Apha ngezantsi, siza kuqhekeza iinxalenye zeMedicare kwaye siqwalasele ukuba iyachaphazeleka yi-IRMAA.
Icandelo lezaMayeza A
Icandelo A yi-inshurensi yesibhedlele. Ibandakanya ukuhlala ngaphakathi kwizigulana ezifana nezibhedlele, amaziko ononophelo abanezakhono, kunye namaziko empilo yengqondo. I-IRMAA ayilichaphazeli iCandelo A. Ngapha koko, uninzi lwabantu oluneCandelo A aluyihlawuli ngenyanga.
Icandelo A iipremiyamu zihlala zikhululekile kuba uhlawule irhafu ye-Medicare ixesha elithile ngelixa ubusebenza. Kodwa ukuba awuhlawulanga irhafu ye-Medicare ubuncinci iikota ezingama-30 okanye usilele ukuhlangabezana nezinye iziqinisekiso zokugubungela ipremiyamu, ke ipremiyamu esemgangathweni yenyanga kwiCandelo A yi- $ 471 ngo-2021.
Icandelo leMedare B
Icandelo B yinshurensi yezonyango. Ibandakanya:
- Iinkonzo ezahlukeneyo zezigulana ezingalaliswayo
- izixhobo zonyango ezizinzileyo
- ezinye iintlobo zokhathalelo lokuthintela
I-IRMAA inokuchaphazela indleko zakho zeCandelo B. Ngokusekwe kwingeniso yakho yonyaka, intlawulelo eyongezelelweyo inokongezwa kumgangatho wokuqala weCandelo B. Siza kuxoxa ngeenkcukacha zendlela le ntlawulo isebenza ngayo kwicandelo elilandelayo.
Icandelo lonyango Medic C
Icandelo C likwabizwa ngokuba yi-Medicare Advantage. Ezi zicwangciso zithengiswa ziinkampani zeinshurensi zabucala. Izicwangciso ze-Medicare Advantage zihlala zigubungela iinkonzo ezingafakwanga yi-Medicare yoqobo (iinxalenye A kunye no-B), ezinjengamazinyo, umbono nokuva.
ICandelo C alichaphazeleki yi-IRMAA. Iipremiyamu zenyanga zeCandelo C zinokwahluka ngokubanzi ngokusekwe kwisicwangciso sakho, inkampani enikezela ngesicwangciso sakho, kunye nendawo okuyo.
Icandelo leMedare D
Icandelo D kukugubungela amayeza amayeza. Njengezicwangciso zeCandelo C, izicwangciso zeCandelo D zithengiswa ziinkampani zabucala.
Icandelo D likwachaphazeleka yi-IRMAA. NjengakwiCandelo B, intlawulelo eyongezelelweyo ingongezwa kwipremiyamu yakho yenyanga, ngokuxhomekeke kumvuzo wakho wonyaka. Oku kwahlukile kwintlawuliso eyongezelelweyo enokufakwa kwiiprimiyamu zeCandelo B.
Ingakanani i-IRMAA eya kongeza kwiindleko zam zeCandelo B?
Ngo-2021, i-premium esemgangathweni yenyanga kwiCandelo B yi- $ 148.50. Kuxhomekeka kwingeniso yakho yonyaka, unokuba ne-surcharge eyongezelelweyo ye-IRMAA.
Esi sixa sibalwa kusetyenziswa ulwazi lwakho lwerhafu yengeniso kwiminyaka emi-2 eyadlulayo. Ke, ngo-2021, kuya kuvavanywa ulwazi lwakho lwerhafu ukusuka ngo-2019.
Iimali ezongeziweyo ziyahluka ngokusekelwa kubakaki bakho bemivuzo kunye nendlela oyifaka ngayo irhafu. Itheyibhile engezantsi inokukunika umbono wokuba yeyiphi indleko onokuyilindela ngo-2021.
| Ingeniso yonyaka ngo-2019: umntu ngamnye | Ingeniso yonyaka ngo-2019: utshatile, ugcwalisa ngokudibeneyo | Ingeniso yonyaka ngo-2019: utshatile, ugcwalisa ngokwahlukeneyo | Intlawulo yepremiyamu yesiqingatha B 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 |
Ingakanani i-IRMAA eza kongeza kwiindleko zam zeCandelo D?
Akukho ntlawulo yenyanga esemgangathweni kwizicwangciso zeCandelo D. Inkampani ebonelela ngomgaqo-nkqubo iya kumisela ipremiyamu yayo yenyanga.
Intlawulo eyongezelelweyo yeCandelo D ikwagqityiwe ngokusekwe kulwazi lwakho lwerhafu yengeniso kwiminyaka emi-2 eyadlulayo. NjengakwiCandelo B, izinto ezinje ngebrakethi yakho yengeniso kunye nendlela oyifayilishe ngayo iirhafu zakho zichaphazela imali eyongezelelweyo.
Intlawulo eyongezelelweyo yeCandelo D ihlawulwa ngqo kwi-Medicare, hayi kumboneleli wesicwangciso sakho. Itheyibhile engezantsi inikezela ngolwazi kumaxabiso ongezelelweyo eCandelo D angama-2021.
| Ingeniso yonyaka ngo-2019: umntu ngamnye | Ingeniso yonyaka ngo-2019: utshatile, ugcwalisa ngokudibeneyo | Ingeniso yonyaka ngo-2019: utshatile, ugcwalisa ngokwahlukeneyo | Intlawulo yepremiyamu yesiqendu D yenyanga ka-2021 |
|---|---|---|---|
| ≤ $88,000 | ≤ $176,000 | ≤ $88,000 | ipremiyamu yakho yesicwangciso esiqhelekileyo |
| > $88,00–$111,000 | > $176,000–$222,000 | - | ipremiyamu yesicwangciso sakho + $ 12.30 |
| > $111,000–$138,000 | > $222,000–$276,000 | - | ipremiyamu yesicwangciso sakho + $ 31.80 |
| > $138,000–$165,000 | > $276,000–$330,000 | - | ipremiyamu yesicwangciso sakho + $ 51.20 |
| > $165,000– < $500,000 | > $330,000– < $750,000 | > $88,000– < $412,000 | ipremiyamu yesicwangciso sakho + $ 70.70 |
| ≥ $500,000 | ≥ $750,000 | ≥ $412,000 | ipremiyamu yesicwangciso sakho + $ 77.10 |
Isebenza njani i-IRMAA?
Ulawulo loKhuseleko lweNtlalo (SSA) luchaza i-IRMAA yakho. Oku kusekwe kulwazi olunikezwe yiNkonzo yangaphakathi yeNgeniso (IRS). Unokufumana isaziso esivela kwi-SSA malunga ne-IRMAA ngalo naliphi na ixesha lonyaka.
Ukuba i-SSA ithatha isigqibo sokuba i-IRMAA iyasebenza kwiipremiyamu zakho ze-Medicare, uyakufumana isaziso sokumiselwa kwangaphambili ngeposi. Oku kuya kukwazisa malunga ne-IRMAA yakho kwaye kuya kubandakanya ulwazi olufana noku:
- ibalwa njani i-IRMAA
- wenzeni ukuba ulwazi olusetyenzisiweyo ukubala i-IRMAA aluchanekanga
- kufuneka wenze ntoni xa unonciphiso lwengeniso okanye umcimbi otshintsha ubomi
Uyakufumana ke isaziso sokuqala sokumiselwa ngeposi kwiintsuku ezingama-20 okanye ngaphezulu emva kokufumana isaziso sokumiselwa kwangaphambili. Oku kuya kubandakanya ulwazi malunga ne-IRMAA, xa iqala ukusebenza, kunye namanyathelo onokuwathatha ukubhenela kuwo.
Awuzukuthatha naliphi na inyathelo elongezelelweyo ukuhlawula iintlawulo ezingaphezulu ezinxulumene ne-IRMAA. Ziya kongezwa ngokuzenzekelayo kwiibhili zakho zepremiyamu.
Unyaka ngamnye, i-SSA iphinda iphonononge ukuba i-IRMAA kufuneka ifake isicelo kwiipremiyamu zakho ze-Medicare. Ke, ngokuxhomekeke kumvuzo wakho, i-IRMAA inokongezwa, ihlaziywe, okanye isuswe.
Ndingayibhena njani i-IRMAA?
Ukuba awukholelwa ukuba kufanele ukuba unetyala le-IRMAA, ungabhena kwisigqibo. Makhe sijonge ngakumbi ukuba le nkqubo isebenza njani.
Ndingabhena nini?
Ungabhena isigqibo se-IRMAA kwisithuba seentsuku ezingama-60 zokufumana isaziso sokumiselwa kwe-IRMAA ngeposi. Ngaphandle kweli xesha, i-SSA iya kuvavanya ukuba ingaba unesizathu esivakalayo sokubhena kade.
Zeziphi iimeko endinokufaka kuzo isibheno?
Kukho iimeko ezimbini xa unokufaka isibheno kwi-IRMAA.
Imeko yokuqala ibandakanya ulwazi lwerhafu olusetyenziselwa ukumisela i-IRMAA. Eminye imizekelo yeemeko zerhafu xa ufuna ukubhena i-IRMAA ibandakanya:
- Idatha esetyenziswe yi-SSA ukumisela i-IRMAA ayichanekanga.
- I-SSA isebenzise idatha yakudala okanye ephelelwe lixesha ukumisela i-IRMAA.
- Ugcwalise imbuyekezo yerhafu ehlaziyiweyo ngexesha i-SSA isebenzisa ukumisela i-IRMAA.
Imeko yesibini ibandakanya ukutshintsha kwezinto. Ezi ziganeko ezichaphazela kakhulu umvuzo wakho. Zintandathu iziganeko ezifanelekileyo:
- umtshato
- ukuqhawula umtshato okanye umtshato
- ukusweleka kweqabane
- ukunciphisa umsebenzi
- Ukuphela komsebenzi
- ukulahleka okanye ukunciphisa iintlobo ezithile zepenshini
- ilahleko yengeniso evela kwipropati enengeniso
Ngawaphi amaxwebhu endizakufuna ukuwanika?
Amaxwebhu ekufuneka unikezele njengenxalenye yesibheno sakho axhomekeke kwimeko yakho. Banokubandakanya:
- Iimbuyekezo zerhafu yengeniso
- isatifiketi somtshato
- umthetho woqhawulo mtshato okanye ukurhoxiswa komtshato
- isatifikethi sokubhubha
- Iikopi zeentonga zokuhlawula
- ingxelo esayiniweyo evela kumqeshi wakho ebonisa ukuncitshiswa okanye ukumiswa komsebenzi
- incwadi okanye ingxelo ebonisa ilahleko okanye ukuncitshiswa kwepenshini
- ingxelo evela kummeli weinshurensi ebonisa ilahleko yepropati engenisa imali
Ndisingenisa njani isibheno?
Isibheno sisenokungabi yimfuneko. I-SSA ngamanye amaxesha iya kwenza isigqibo sokuqala isebenzisa amaxwebhu ahlaziyiweyo. Ukuba awulungelanga isigqibo sokuqala esitsha, ungafaka isibheno kwisigqibo se-IRMAA.
Ungaqhagamshelana ne-SSA ukuqala inkqubo yokubhena. Isaziso sakho sokuqala sokumisela kufuneka sibe nolwazi malunga nendlela yokwenza oku.
Umzekelo wesibheno se-IRMAA
Wena neqabane lakho ngokudibeneyo nifake iifayile zerhafu ka-2019. Olu lulwazi olusetyenziswa yi-SSA ukumisela i-IRMAA ngowama-2021. Ngokusekwe kolu lwazi, i-SSA igqiba ekubeni kufuneka uhlawule ngaphezulu ngentlawulo yezahlulo ezifanelekileyo ze-Medicare.
Kodwa ufuna ukubhena kwisigqibo kuba ubunesiganeko esitshintsha ubomi xa wena neqabane lakho niqhawula umtshato ngo-2020. Uqhawulo-mtshato lukhokelela kunciphiso olukhulu kumvuzo womzi wakho.
Unokufaka isibheno kwisigqibo sakho se-IRMAA ngokunxibelelana ne-SSA, ugcwalise iifom ezifanelekileyo, kwaye unikezele ngamaxwebhu afanelekileyo (njengommiselo woqhawulo mtshato).
Qiniseka ukuba uqokelela amaxwebhu afanelekileyo kwisibheno sakho. Kuya kufuneka ukuba ugcwalise i-Medicare yeNgeniso ehambelana neNgeniso yeNyanga: Ifom yokuGuqula uBomi.
Ukuba i-SSA iphonononge kwaye iyasivuma isibheno sakho, iipremiyamu zakho zenyanga ziya kulungiswa. Ukuba isibheno sakho saliwe, i-SSA inokukunika imiyalelo ngendlela yokwenza isibheno sokwala kwindibano yokumamela.
Izixhobo zoncedo olongezelelweyoUkuba unemibuzo okanye unenkxalabo malunga ne-Medicare, i-IRMAA, okanye ukufumana uncedo ngokuhlawula iipremiyamu zakho, cinga ngokusebenzisa ezi zixhobo zilandelayo:
- Unyango. Ungaqhagamshelana neMedicare ngokuthe ngqo kuma-800-Medicare ukuze ufumane ulwazi ngezibonelelo, iindleko, kunye neenkqubo zoncedo ezinje ngeeNkqubo zokuLondolozwa kweMedicare kunye noNcedo olongezelelweyo.
- SSA. Ukufumana ulwazi malunga ne-IRMAA kunye nenkqubo yezibheno, i-SSA inokuqhagamshelwa ngokuthe ngqo kwi-800-772-1213.
- Inqanawa. Inkqubo yoNcedo lwe-Inshurensi yezeMpilo kaRhulumente (i-SHIP) ibonelela ngoncedo lwasimahla kwimibuzo yakho ye-Medicare. Unokufumana indlela yokunxibelelana nenkqubo yenqanawa yelizwe lakho apha.
- Unyango. I-Medicaid yinkqubo edibeneyo yomanyano kunye neyaseburhulumenteni enceda abantu abanengeniso esezantsi okanye izixhobo ngeendleko zabo zonyango. Unokufumana ulwazi oluthe kratya okanye ujonge ukuba uyafaneleka na kwindawo yeMedicaid.
Ukuthatha
I-IRMAA yintlawulo eyongezelelweyo enokongezwa kwiipremiyamu zakho zanyanga zonke zeMedare ngokusekelwe kumvuzo wakho wonyaka. Isebenza kuphela kumacandelo e-Medicare B kunye no-D.
I-SSA isebenzisa ulwazi lwakho lwerhafu yengeniso kwiminyaka emi-2 eyadlulayo ukumisela ukuba unetyala na le-IRMAA. Isixa-mali esongeziweyo onokufuna ukusihlawula simiselwa ngokusekwe kubakaki bakho bemali kunye nendlela oyifaka ngayo irhafu.
Kwezinye iimeko, izigqibo ze-IRMAA zinokubhenwa. Ukuba ufumene isaziso malunga ne-IRMAA kwaye ukholelwa ukuba awudingi ukuhlawula ngaphezulu, qhagamshelana ne-SSA ukuze ufunde okungakumbi.
Eli nqaku lahlaziywa ngo-Novemba 13, 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.
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