Indlela Yokuhlawula Imali Yakho Imali
Icandelo B lihlanganisa ubuninzi beendleko zonyango lwakho. Qonda ukuba uza kuhlawula phi iifokethi kunye nohlahlo lwabiwo-mali kunyaka ozayo.
Icandelo B lingenakucinywa
I-deductible yonyaka kwiNgxenye B yi-$ 183 ngo-2018, ingatshintshi ukususela ngo-2017. Uya kufuneka uhlawule imali ethe xaxa phambi kokuba u-Medicare uya kuqala ukuhlawula iindleko zezempilo.
Icandelo B Iimali-mali
Uhlawula iintlawulo zenyanga zenyanga kwi-Medicare.
Ukuba awuyikuhlawula iiprayimari zakho ngexesha elifanelekileyo, i-coverage yakho iya kuthathwa. Unikwa ithuba lokubakholwa kweentsuku ezingama-90 ukuze wenze iintlawulo ngaphambi kokuba uxwebhu lweCandelo B lukhutshwe.
Ngo-2018, iinqanaba ze-premium ze-B zihlala zifanayo kwiibhanki ezihlanu zengeniso.
Yintoni eye yatshintshayo iibhanki zentlawulo ngokwabo. Abantu abaninzi banokumangaliswa xa befumanisa ukuba bahlawula imali eninzi. Iibhanki zokuqala ezimbini zokufumana imali zihlala zingatshintshi, kwaye ixabiso lokunyuka kweentengo zenzelwe ukubetha abo banezimali ezinkulu.
* Qaphela ukuba iibhanki zengeniso zisekelwe ekugqibeleni kwakho kwerhafu yokugqibela. Ngo-2018, nceda ubhekisele kwi-2016 yakho yokuposa.
2018 Icandelo B Iimali-mboleko zabantu ngabanye
Umgca wokufumana umvuzo kubantu ngabanye uhla nge-54,000 zamawaka ngonyaka.
| I-Bracket yeNgeniso ngo-2018 | I-Bracket Income ngo-2017 | Iindleko zakho |
| Ngaphantsi kwe $ 85,000 | Ngaphantsi kwe $ 85,000 | $ 134.00 ngenyanga |
| $ 85,000 - $ 107,000 | $ 85,000 - $ 107,000 | $ 187.50 ngenyanga |
| $ 107,000 - $ 133,500 | $ 107,000 - $ 160,000 | $ 267.90 ngenyanga |
| $ 133,500 - $ 160,000 | $ 160,000 - $ 214,000 | $ 348.30 ngenyanga |
| Ngaphezu kwama-160,000 | Ngaphezu kwama-214,000 | $ 428.60 ngenyanga |
Ukuba uzuze ama-134,000 amawaka, ubuya kuhlawula i-$ 267.90 ngeenyanga ngo-2017 kodwa uza kuhlawula i-$ 348.30 ngenyanga ngenyanga ka-2018, i-$ 965 eyongezelelweyo ngonyaka. Ukuba uzuze i-$ 161,000, ubuya kuhlawula i-$ 384.30 ngeenyanga ngo-2017 kunye ne-$ 428.60 ngo-2018, i-$ 964 eyongezelelweyo ngenyanga.
2018 Icandelo B Iimviwo zeeNqununu zabanye abatshatileyo
Umgca wokufumana umvuzo wesibini esitshatileyo uye wehla ngo-$ 108,000 ngonyaka.
| I-Bracket yeNgeniso ngo-2018 | Ingeniso yeBracet ngo-2017 | Iindleko zakho |
| Ngaphantsi kwe $ 170,000 | Ngaphantsi kwe $ 170,000 | $ 134.00 ngenyanga |
| $ 170,000 - $ 214,000 | $ 170,000 - $ 214,000 | $ 187.50 ngenyanga |
| $ 214,000 - $ 267,000 | $ 214,000 - $ 320,000 | $ 267.90 ngenyanga |
| $ 267,000 - $ 320,000 | $ 320,000 - $ 428,000 | $ 348.30 ngenyanga |
| Ngaphezu kwama-320,000 | Ngaphezulu kwama $ 428,000 | $ 428.60 ngenyanga |
Ukuba isibini sifike i-$ 268,000, ubuya kuhlawula i $ 267.90 ngeenyanga ngo-2017 kodwa uza kuhlawula i-$ 348.30 ngenyanga ngenyanga ka-2018, i-$ 965 eyongezelelweyo ngonyaka. Ukuba ufumene i-$ 321,000, uza kuhlawula i-$ 384.30 ngeenyanga ngo-2017 kunye ne-$ 428.60 ngo-2018, i-$ 964 eyongezelelweyo ngenyanga.
2018 Icandelo B Iimviwo zeeNqununu zabantu abashadile abafakela ngabanye
Ibhoksi yonke engenayo isuswe kubantu abatshatileyo abafakela ngabanye. Unokufumana ingaphezulu okanye ngaphantsi kwama-85,000.
| I-Bracket yeNgeniso ngo-2018 | I-Bracket Income ngo-2017 | Iindleko zakho ngo-2018 |
| Ngaphantsi kwe $ 85,000 | Ngaphantsi kwe $ 85,000 | $ 134.00 ngenyanga |
| Mkhulu kune $ 85,000 | $ 85,000 - $ 129,000 | $ 428.60 ngenyanga |
| Mkhulu kunama-129,000 |
Ngo-2017, ubuya kuhlawula i-$ 348.30 ngeenyanga ukuba ingeniso yakho yayingu-86,000. Eli nani linyuka liya kwi $ 428.60, longeza enye i-$ 964 ngenyanga. Ukuba babefake njengomntu omnye, ubuya kuhlawula i-$ 187.50 kuphela ngenyanga. Kubuhlungu ukucinga ukuba umntu unokuhlawula ngaphantsi xa beqhawule umtshato kunokuba bahlukane.
Ngaloo ndlela, umntu otshatileyo nguye onezona zininzi.
Icandelo B Iimali-mali kunye noKhuselo loLuntu
Awunakukulindela ukuhlawula ngaphezulu kwi-Medicare ukuba akukho kwakhona ukunyuka kweenzuzo zeNtlalo. Ubambe isibonelelo esingenakubungozi sikhusela abemi boKhuseleko lweNtlalo ekuhlawuleleni iiprayimari eziphezulu xa behlangabezana nemigangatho ethile.
- Unelungelo lokufumana inzuzo yeNtlalo ngoNovemba kunyaka odlulileyo.
- Ii-premiums zakho ze-Medicare Part B zachithwa ngokukhawuleza kwiKhenketho yeNhlalakahle yeNtlalo ukusuka ngoNovemba kunyaka odlulileyo ukuya kuJanuwari kunyaka okhoyo.
- Naluphi na indleko yoLuntu lweNtlalo yoKhuselo (COLA) ukwanda okwaneleyo ukuhlawula indleko yokunyuka kweprayimenti.
- Ungowomgangatho ophantsi kakhulu wokufumana imali.
I-KOLUNGA YOLUNTU YOLUNTU ka-2018 i-2 ekhulwini Ngaphandle kokunyuswa kwama-premiums kwi-bracket engenayo ephantsi, kulindeleke ukuba uhlawule ireyithi elandisiweyo. Ngo-2017, inani le-COLA lilinganiselwa ku-0.3% kuphela, okwaneleyo ukufihla indleko yokunyuka kwe-premium kunyaka. Abaxhamli abaye badibana neendlela ezikhankanywe ngentla bavunyelwe ukuhlawula i-2016 Inxalenye ye-B ye-premium rate ye-121.80 ngenyanga.
Kwabo bafanelekile , i-Medicaid iya kuhlawula iipalamama zabo ze-Medicare. Bayakuhlawulwa iinqanaba eziphezulu zeCandelo B.
Icandelo B Iimali-mali kunye ne-Medicare Inzuzo
Unokunyula ukuba ube ne- Original Medicare (i-A A kunye ne-B) okanye iSicwangciso seNzuzo ye-Medicare (Icandelo C) . Izicwangciso ze-Medicare Benevantage zinikezelwa ngamashishini e-inshorensi yabucala kwaye iya kugxininisa yonke into eyenziwa yi-Original Medicare inikezela nangaphezulu.
Nangona ukhetha isigqibo se-Medicare Benevantage plan kwaye uhlawule iiprimiyamu kwinkampani yomshuwalense, kufuneka uhlawule iiprayimari zeNgxenye B kurhulumente. Kufuneka uthabathe iindleko ezongeziweyo.
Icandelo B Uqinisekiso
Icandelo B coinsurance ayiguqukanga. I-Medicare ihlawula iipesenti ezingama-80 kwaye uhlawula iipesenti ezingama-20 ngaphandle kweemvavanyo zokuvavanya. Ngethuba nje ugqirha wakho wamkela isabelo , iimvavanyo zakho zokuvavanya ziza kukhululeka.
ILizwi
Uninzi lwezempilo lwakho luya kuhlawulwa yi-Medicare Part B. Ngokufanayo, uninzi lweendleko zakho zeefokethi luya kuhambelana ne-Medicare Part B. Ukwazi oko ukulindeleke ukuba uhlawule i-deductibles, i-premiums, kunye ne-coinurance ngo-2018 kuya kukunceda uhlahlo lwabiwo-mali ngokufanelekileyo.
> Imithombo:
> I-Cost-of-Living Adjustment (i-COLA) Ulwazi ngo-2018. Ulawulo loKhuselo loLuntu. https://www.ssa.gov/news/cola/
> Iindleko zeNgxenye B. KwiWebhare.gov website. https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html.