Ulungelelwano lweMilicaid: I-MAGI kunye neeMpahla zakho

Yiyiphi Inqaku kunye Nento?

Ulungelo lweMedicaid alukho ngqo njengoko ungacinga, ubuncinane. Nangona iholo lakho lidlala indima ecacileyo- iMedicaid, emva koko, inkqubo yohlwempu kunye neyonyango-ukufaneleka kwakho kuya kuxhomekeka ekubeni uthatha inxaxheba kwezinye iinkqubo zikaRhulumente.

Indlela ofanelekela ngayo iMediicaid ithintela indlela urhulumente abheka ngayo iimali zakho.

Ukuqonda ukuhluka kunokubaluleka ekukhuseleni i-asethi yakho ngexesha elide.

Iimpawu ezimbini zoLungiso lweMilicaid

Ngaphambi koMthetho woNonophelo olungabonakaliyo, i-Aka Obamacare , ukufaneleka kwemilingo kwakusekelwe kwimali enokuyifumana kunye nokuba unakho, umvuzo wakho, ifa lakho kunye nexabiso lakho. Emva kokuba umthetho uthathelwe, kunjalo, ukufaneleka kuye kwahlukana ngamaqela ahlukeneyo.

Abanye abantu baqhubeka befanelekile ukufumana iMedicaid indlela endala, ngelixa abanye banelungelo ngokusekelwe kwingeniso yabo epheleleyo eguqulwayo (MAGI).

Ulungelelwano lweMilicaid

MAGI

Ukungenzi-MAGI

Abantu abajongene nale miqathango: Uneminyaka eyi-19 kunye ne-20 ubudala ehlala nabazali babo Abantu abangenabantwana abaneminyaka engama-19 no-64 ubudala abahlala kwiindawo ngokunyuka kwamaMedicaid Abantu abafanelekile kwiNkqubo yoNcedo lweNtsapho Iintsana nabantwana abangaphantsi kweminyaka engama-19 ubudala Abazali / abanakekeli kunye nezihlobo ezihlala kwindlu efanayo Bafazi abakhulelweyo

Abantu abajongene nale miqathango: Ukunyamekela abantwana, kuquka nabantwana abangabantwana abangabantwana abaneminyaka engama-26 ubudala ababengama-Medicaid ngomhla wokuzalwa kwabo-18 Abantu abasesikweni kwimimandla yabantu abadala abalawulwa yiSebe leNkonzo yeNtlalo (LDSS) okanye i-Ofisi yeMpilo yeMinority (OMH) IiNkonzo zoLondolozo zokuHlala / uLuntu lwaseMakhaya Abaxhamli be-Medicare bafumana ngaphantsi kwama-100 ekhulwini kwiNqanaba leNtlupheko yeNtlupheko (FPL) Abantu abafanelekayo kwezi nkqubo: Uncedo kwabantwana abaxhomekeke kuye Inkqubo yeNtsholongwane kaGawulayo COBRA Ukuxiliswa kweMisebenzi yokukhubazeka Inkqubo yeMpilo yeCanceric Treatment Programme yoLondolozo lweMali Inkonzo Yokhuseleko Lokukhubazeka KweNtlalo (SSDI) Inkonzo Yokhuseleko LwezeNtlalo (SSI)

Kuxhomekeke kwiqela luni owela kuyo, i-MAGI okanye engekho i-MAGI, urhulumente usebenzisa izizathu ezahlukileyo zokugqiba ukuba ufanelekile yini kwi-Medicaid.

Indlela yokubala i-MAGI

I-MAGI isisiseko esisisetyenzisiweyo esetyenziswa nguRhulumente ukufumana ukufaneleka kwakho kwi-Medicaid okanye yinshurensi yempilo yenkxaso nge- Intshumo yeMali ye-Intshumo yeMpilo .

Ukuqonda i-MAGI yinto ecacileyo njengentlawulo yakho yentela oku kuthetha ukuba inokudideka. Yilokho okufuneka ukwazi.

• Ingeniso yakho epheleleyo yinkokhelo yakho epheleleyo. Yimali ezayo ngenxaxheba kwaye ayiqwalasele ixabiso leempahla ezinqamlekileyo njengezakhiwo okanye izithuthi. Abantu abahlala okanye abasebenza kwamanye amazwe bangasebenzisa inzuzo yokungeniswa kwamanye amazwe kwimbuyekezo yabo yentela yase-US.
• Ingeniso yakho epheleleyo ehlawulisiweyo (AGI) yinzuzo yakho yonke emva kokuncitshiswa kweerhafu ezifanelekileyo. Umzekelo, unako ukususa iindleko zothisha, ukunikwa kwe-akhawunti yokulondoloza impilo , iindleko ze-IRA, iindleko zonyango, iindleko zokuhamba, i-inshorensi yezempilo yempesheni, i-tax-self-tax interest, inzuzo yemboleko yomfundi kwimbuyekezo yakho yerhafu, kunye nokufundiswa kwezifundo, njl.
• Ingeniso yakho epheleleyo ehlengahlengisiweyo (MAGI) yi-AGI yakho kunye neengeniso ezingaphandle kwamanye amazwe, iingeniso ezingahlawulwanga zentlawulo yeNhlalakahle yeNhlalakahle, kunye nenzala engenakho ukuhlawulwa kwentela. Okubalulekileyo, oku kubangela ukuncitshiswa okuthile kwi-AGI. Kubantu abaninzi, i-AGI kunye ne-MAGI iya kuba yinto efanayo.

Ingeniso yokuHlaliswa kwe-MAGI

Ndakanya	Akubandakanyi
Alimony ifunyenwe I ngeniso Ingeniso yeFama Imali engenayo, i-domestic and yangaphandle (umvuzo, iingcebiso, umvuzo) Inzala kunye negalelo Ingeniso yengeniso Iingcali Iingeniso zengqesho / ilahleko zokuzimela Uncedo lweNtlalo Imbuyekezo yentlawulo yengeniso kaRhulumente Iingeniso zengqesho	Alimony hlawulwa Inkxaso yokufumana abantwana Izipho / ifa Imali engenayo ehlawulwayo yaseMelika yase-Indian * Inkonzo Yokhuseleko LwezeNtlalo (SSI) Imali mboleko yabafundi kunye neengxowa-mali zengxowa-mali * Iindleko zezilwanyana Imbuyekezo yomSebenzi * = Bhekisela kwiimfuno ze-Medicaid zelizwe lakho

Xa kuziwa kulungelo lweMedicaid, kunjalo, i-MAGI inamacandelo amabini. Iyokuqala yinzuzo yakho yendlu, kwaye okwesibini ubukhulu bendlu yakho. Ukuba wena ngokwakho, kwintsapho yabini, okanye kwintsapho ebenhlanu, uya kuba namazinga ahlukeneyo asemgangathweni ama-MAGI ukuba afanelekele ezi nkqubo. Urhulumente ngamnye uya kuba namazinga e-MAGI ahlukeneyo, ngokuxhomekeka nokuba ngaba awenzile ukwandiswa kweMedicaid.

Uxilongo kunye novavanyo lweAsset

Xa kuziwa kwi-non-MAGI Medicaid ukufaneleka, zombini ingeniso yakho kunye nefa lakho lidlala. Uninzi lweenkqubo zorhulumente ezikufanele ukufumana iMedicaid zisebenzisa uvavanyo lweempahla.

I-SSI ibeka umgangatho. Ukuba ingeniso yakho kunye neempahla zingaphezulu kwezinga elithile, awuyi kufanelekela inkqubo. Ngo-2017, umyinge wokufumana imali usekwe kwi-$ 2,205 ngenyanga kunye nemida ye-asethi kwi-$ 2,000 ngamnye.

I-MAGI Medicaid ayifuni yonke into. Iimpahla zakho ziza kudlala xa kuziwa kwiinkonzo zexesha elide kunye neNkxaso (i-LTSS), inxalenye yeMedicaid ehlawulela ukunakekelwa kwexesha elide kwikhaya labahlengikazi .

Akunakho konke onakho okuya kubalwa malunga nefa lakho. Le yilapho ininzi yolwazi ingahamba ngendlela ende. Ukuba unempahla eninzi kakhulu, kuya kufuneka uchithe phantsi phambi kokuba uvumeleke kwiMedicaid. Indlela ochitha ngayo, nangona kunjalo, kubalulekile kuba unako ukuhlawulwa izipho eziphezulu okanye izidluliso ezenziwe ngeenyanga ezidlulileyo ezingama-60.

Ezi zixhobo eziqhelekileyo zokuqwalasela, nangona olu luhlu alukude kuphela:

• Iibhanki zebhanki kunye nemali: I-$ 2,000 yakho yokuqala iyakho kunye neyakho yedwa. I-Medicaid iya kubala kuphela iirandi ngaphaya kwesi sixa. Ngokomzekelo, ukuba unayo i-$ 2,500 kwi-akhawunti yakho yasebhanki, kuphela i-$ 500 kuphela iya kubalelwa kwiimpahla zakho ezifanelekileyo zeMedicaid.
• Imali yokungcwatywa kunye nokungcwaba: Urhulumente uvumela isithunzi esithile xa kufikile ekufeni nasekufeni. IiNgxowa ezisetyenziselwa ukulungisa kwangaphambili umngcwabo okanye isikhumbuzo azifaki kwiimpahla zakho zeMedicaid. Oku kubandakanya izicwangciso zokungcwaba zangaphambili ezithengiweyo , kungekhona kuwe kuphela kodwa osapho lwakho olusondeleyo. Ukuba akukho zilungiselelo ezenziwe kwangaphambili, i-akhawunti yasebhanki ukuya kwi-1,500 yee-akhawunti ingagcinwa kwiindleko zomngcwabo kwaye ingabalwa kwiimpahla ezifanelekileyo zeMedicaid.
• Iinshorensi: Akukho zonke iinkqubo ze-inshorensi ezenziwe zilinganayo. Imigaqo-nkqubo yokuphila kwintlawulo ihlawula inzuzo xa usweleka kodwa ungabi ngaphezu kwexabiso lemali ngelixa usaphila. Ezinye iintlobo zeenkqubo-ezisisigxina, eziqhelekileyo, ezichaseneyo, okanye iinkqubo zomshuwalense wenkxaso-mali yonke-ifumana imali yexabiso lemali ngaphezu kwexesha. Laba yiyo iMedicaid iyalathwala ingqalelo. I-Medicaid iya kubandakanya ixabiso lemali ye-inshorensi yobomi engaphezu kwama-1,500 e-test ye-asethi yabo. Ngokomzekelo, ukuba ixabiso lemali liyi $ 2,000, kuphela i-$ 500 kuphela iya kubalelwa kumlinganiselo wakho wokufaneleka.
• Ipropati: Ikhaya lakho linokuba yimpahla yakho eyigugu, kodwa kungenakubalwa kuvavanyo lwakho lweempahla zeMedicaid. Ngethuba nje ukuhlala kwakho kwimeko apho usebenza khona kwi-Medicaid kwaye uceba ukubuyela kwikhaya lakho, likhuselwe lixabiso le-560,000, nangona amanye amazwe athathe umda ophezulu we $ 840,000. Iimpawu ezongezelelweyo zingabandakanywa kwi-test ye-asethi. Kuya kuxhomekeka ukuba ngaba ezo zakhiwo ezongezelelweyo zibalulekile kwenkxaso yakho, oko kukuthi, zivelisa ingeniso engenani engama-6 ekhulwini lexabiso lempahla ngamnye ngonyaka. Cinga iifama, iipropati zokuqashisa, kunye nezinye izityalo-mali ezikhoyo kule ndawo.
• Izithuthi: Ukuba unayo imoto, unokuqiniseka ukuba i-Medicaid ayiyi kubambelela kuwe, kungakhathaliseki ukuba libiza kangakanani. Oku kunokuba yi-Lamborghini! Unako ukukhupha isithuthi sesibini seminyaka engaphezulu kwesikhombisa ubudala, ngaphandle kokuba imoto yezinto eziphathekayo okanye i-antitique okanye i-classic imoto engaphezulu kweminyaka engama-25 ubudala.

Ukuba utshatile, iqabane lakho liya kubelana ngepesenti ethile yezinto zakho. Iphondo ngalinye linemithetho eyahlukeneyo yokuba le nto ingabelwa njani. Qiniseka ukuba ukhangele ngeofisi yakho yaseMedicaid.

Ukuthatha Inzuzo ye-MAGI

Umthetho ojongene noNonophelo ongenakunqwenelekayo ulungelelwaniso lweMpilo kunye nokubhaliswa kwezigidi zabantu baseMelika. Ukusebenzisa i-MAGI ukufaneleka kukulula inkqubo yokwenza isicelo. Umthwalo wolawulo wokuqinisekisa i-asethi wafakwa endleleni. Ngelishwa, kwaye kwavumela abantu abatyebileyo ukuba bathathe inzuzo yerhafu yabahlawuli berhafu.

Yikholwa okanye akunjalo, ama-million angakwazi ukufumana iMedicaid phantsi kwenkqubo yangoku.

Le nto ivela ngenxa yokuba uninzi lwabantu baseMerika ngoku lufanelekile ukufumana iMedicaid nge-MAGI, ngaphandle kokuba ufuna unonophelo lwangonyango lwexesha elide awusetyenzisanga novavanyo lwamaxabiso. Abantu abanobutyebi be-asset, ngakumbi abo batyala imali okanye iipropati zezindlu, bangakwazi ukuhlangabezana neemfuno ze-MAGI.

Omnye unokufumana ikhaya elixabisa i-$ 840,000, i-Lamborghini, isithuthi sesibini, amakhulu ehektare zomhlaba wefama, kwaye iyakwazi ukufumana iMedicaid. La maMelika aya kuthathwa njengotyebi nangayiphi na imilinganiselo kodwa ngokukhusela umthamo wabo, bavumelekile ngokusemthethweni kwiMedicaid okanye izicwangciso ezixhaswayo nge-Intshuwalense yeeNtsholongwane yeMpilo . Le yimeko nangona xa bengakwazi ukudibanisa kalula kwiimpahla zabo ukuhlawula i-inshurensi yezempilo.

Kwiprogram ejoliswe kumahlwempuzekileyo, oku kukusetyenziswa kakubi kweprogram. Akumangalisi ukuba abantu bafuna ukulungiswa kweMedicaid.

Nge-GOP icebo lokuphelisa i-Obamacare, sinokukhangela ukuguqulwa kwe-MAGI Medicaid. Siya kubuyela kwithuba apho ingeniso yakho kunye neempahla zichonga ukufaneleka kwakho.

ILizwi

Ukulungelelaniswa kweMilicaid kungaba yinkinga enzima. Ingaba ufanelekile nge-MAGI okanye nge-criteria ye-MAGI, i-asethi yakho iya kuphinda ihlolwe ukuba ufuna unonophelo lwangonyango lwangexesha elide. Qonda ukuba iifayili zakho ziza kubalwa kwaye unokufumana iindlela zokuzikhusela kwikamva.

> Imithombo:

> Ulungelelwaniso nokuBhaliswa kwabemi abangahlali kwi-MAGI. Iwebhusayithi yeNethiwekhi yoNcedo lwezeMpilo yeNtshona Koloni. http://www.statenetwork.org/wp-content/uploads/2015/09/Eligibility-and-Enrollment-for--on-MAGI-Population-September-2015.pdf. Ipapashwe ngoSeptemba 24, 2015.

> Ulungelelwano lweMilicaid. Website Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/index.html.

> Ukuxilongwa kweMali yeeNkcazo zokuLungelwa kweeNkxaso zabantu abadala njengepesenti yeNqanaba leNtlupheko yeNtlupheko. Iwebhusayithi yakwaHenry J. Kaiser Family Foundation. http://www.kff.org/health-reform/state-indicator/medicaid-income-ability-lim-------cent----primary-poverty-level/. Ipapashwe ngoJanuwari 1, 2017.

> Ukuqonda Imali yeNkxaso yeNgcaciso yeSS Resources - Uhlobo lwe-2017. Iwebhusayithi yoLawulo loKhuseleko loLuntu. https://www.ssa.gov/ssi/text-resources-ussi.htm.

> Yintoni echitshiyelwe ukulungiswa Imali epheleleyo? Iwebhusayithi yeNkonzo yeNgeniso yangaphakathi. https://www.irs.com/articles/what-modified-justed-gross-income.