Indlela Yokuhlawula Imali Yakho Imali
I-Congress ivakalise iindleko ze-Medicare ngo-2018. Wonke umntu, kungakhathaliseki ukuba engenayo imali, uya kuhlonywa kwindleko yokuchitha imali. Sebenzisa la manani ukukhokela iindleko zonyango lwakho kunyaka omtsha.
Icandelo lePhulamente
I-Medicare Ingxenye A ayikho i-premium-free ye-99% yamaMerika. Oku kungenxa yokuba abaninzi abantu baye bahlawula kwinkqubo ngeminyaka kunye neerhafu zabasebenzi kwi-Medicare kunye noKhuseleko loLuntu .
Ukuba umntu akanikelanga iigumbi ezingama-40 (iminyaka eli-10) okanye ngaphezulu kweerhafu zonyango, kunjalo, kuya kufuneka ukuba bakhokhe iipriyamu ze-Medicare ngolu hlobo lulandelayo.
| Iintlawulo zeeMatriki zihlawulwe | Iindleko zakho ze-2018 | Shintsha ngo-2017 |
|---|---|---|
| 40 kwikota okanye ngaphezulu | $ 0 ngenyanga | Akukho tshintsho |
| 30-39 kwikota | $ 232 ngenyanga $ 2,784 ngonyaka | Ukwanda kwe-$ 5 ngenyanga Ukwanda kwe-$ 60 ngonyaka |
| Ngaphantsi kwama-30 kwikota | $ 422 ngenyanga $ 5,064 ngonyaka | Ukwanda kwe-$ 9 ngenyanga I-108 kunyuka ngonyaka |
Kungomdla wakho ukusebenzela ukuya kwii-40 kwikota ukuba kunokwenzeka. Oku kunokuthetha ukulibaziseka umhlala phantsi uze udibanise iikota ezaneleyo zengqesho ehlawulwe ngurhulumente. Ukuba usebenza iigumbi ezingama-40 okanye ngaphezulu, kunokukugcina amashumi amawaka eedola kwiiprayimenti zeCandelo A ngaphaya kokuphila kwakho. Oku kunokuba nempembelelo enkulu kumandla akho okuthatha umhlalaphantsi ngokukhawuleza.
Iindaba ezilungileyo kukuba ukuba awuzange usebenze iigumbi ezingama-40, unako ukufumana i-premium ye-Part A premium esekelwe kwimbali yengqesho yomlingane wakho.
Oku kusebenza nje nje xa utshatile okanye uhlala ungatshatanga emva kokuqhawula umntu osatshatileyo ubuncinane iminyaka eyi-10. Uvumelekile ukuba usebenzise irekhodi lomlingane wakho ukuba ungumhlolokazi naye. Umgaqo kuphela wukuthi uhlale ungatshatanga kwaye watshata nomlingane wakho ubuncinane ngeenyanga ezili-9 ngaphambi kokufa.
Imithetho yabantu abatshatileyo banokufumana into encinci.
Nceda uqaphele ukuba nayiphi na imali oyifumanayo "phantsi kwetafile" ayiyi kubala ukufaneleka kwakho kwiimali zeprayimenti zeCandelo le-A mahhala kuba akukho zerhafu ezibhalwe phantsi.
Icandelo A Izidumbu kunye neeCopayments
Iindleko zezibhedlele kunye neendleko zokunakekela abahlengikazi abanokwazi , akumangalisi ukuba ziyakhula. Banda rhoqo ngonyaka kwaye ngo-2018 kwakungenjalo. Isilinganiso semyinge yenyanga ngenyanga yecumbi elizimeleyo li-$ 6,692. Kwigumbi labucala, indleko iya kunyuka kwi-$ 7,604. Ukuba uhlala e-Alaska, eConnecticut, eHawaii, eMassachusetts okanye eNew York kulindele ukuhlawula ngaphezulu. Lawa awona maxabiso aphezulu kakhulu ekunakekelwa kwonyango ekhaya. I-Alaska ithatha umvuzo kwi-$ 23,451 ngenyanga.
Ireyithi echithwayo ehlawulwayo isetyenziselwa ukunyangwa kwabafundi. Oku kuhlawulelwa kuzo zonke iindleko ukuya kwiintsuku ezingama-60 ngaphandle kweemali zonyango ezifakwe kwiCandelo B. Emva kweentsuku ezingama-60, uhlawuliswa i-copayment ngosuku olunye olongezelelweyo osibhedlele.
| Usuku loKhathalelo lweZibhedlele ezingenasifo | Iindleko zakho ze-2018 | Shintsha ngo-2017 |
|---|---|---|
| Iintsuku ezichithwe esibhedlele ezingenasifo 0-60 | I-1,340 ye-bhedlele yokuhlala | Ukunyuka kwamaxabiso angama- $ 24 |
| Iintsuku zokubhaptizwa kwezibhedlele zesibhedlele ezingapheliyo 61-90 | $ 335 ngosuku | U- $ 6 ngosuku |
| Iintsuku zeepitalenti ezingama-91 ze-epayili yezibhedlele | $ 670 ngosuku | I-12 yezigidi ngosuku |
Akuzange kubekho i-deductible kwiintsuku ezingama-20 zokunakekelwa ezifunyenwe kwiziko loongikazi onokwazi (SNF) ngokukhawuleza emva kwesibhedlele sokuhlala esibhedlele. Izinto zingaba zikhohlisi apha ngenxa yokuba abanye abantu bebekwe ngaphantsi kokuqwalaselwa kunokuba bavunywe njengesigulana. Ukuhlala nje ngobusuku esibhedlele akusenzi isifo.
| Usuku lwe-SNF Care | Iindleko zakho ze-2018 | Shintsha ngo-2017 |
|---|---|---|
| Iintsuku ze-SNF 0-20 | $ 0 | Akukho tshintsho |
| Iintsuku ze-SNF 21-100 | $ 167.50 ngosuku | U- $ 3 ngosuku |
| Iintsuku ze-SNF 100+ | Zonke iindleko ezihlawulwe ngepokothini ngumxhamli | Akukho tshintsho |
Iindaba ezimbi kukuba i-Medicare ayihlawuleli inkathalo engahambelani nokuhlala esibhedlele.
Abantu abadinga ukunakekelwa kwangexesha elide baya kufuna enye indlela yokuhlawula kwikhaya labahlengikazi. Ngenxa yeso sizathu, abaninzi abantu abadala bafuna ukubhalisela iMedicaid .
ILizwi
Ukuba unethamsanqa, awuyi kuze kufuneke usebenzise i-Medicare Part A. Awunakuze ufune i-hospitali, awunakuze ufune indawo yokunakekelwa abanonophelo kwaye unganike ufune unakekelo lwe-hospice . Ekugqibeleni, kubalulekile ukuba le nkonzo ifanele ukuyifuna kwaye ukwazi ukuba ingaba yindleko kangakanani.
> Imithombo:
> Iindleko zaseKhaya zoLondolozo nguRhulumente. Skillednursingfacilities.org website.
> Icandelo A iindleko. KwiWebhare.gov website.