Indlela Yokuhlawula Izindleko Zempilo Yakho
I-Congress isemezele izindleko ze-Medicare ngo-2018. Wonke umuntu, kungakhathaliseki ukuthi uyothola kanjani, uzobe ekhuphuka ekuphumeni kwemali. Sebenzisa lezi zinombolo ukuze uqondise izindleko zakho zezempilo ngonyaka omusha.
Ingxenye A Izinkokhelo
I-Medicare Ingxenye A ayikho i-premium-free yama-99 amaphesenti aseMelika. Lokhu kungenxa yokuthi iningi labantu likhokhelwe ohlelweni lweminyaka ngezintela zomsebenzi zoMnyango wezeMpilo kanye noMphakathi Wezokuphepha .
Uma othile enganikele ngezingxenye ezingu-40 (iminyaka engu-10) noma ngaphezulu kwentela ye-Medicare, noma kunjalo, kuzodingeka bakhokhe imali ye-Medicare kanje.
| Izinkampani Zemiholo Yezokwelapha Zikhokhwa | Izindleko zakho ezingu-2018 | Shintsha kusukela ngo-2017 |
|---|---|---|
| 40 amakamelo noma ngaphezulu | $ 0 ngenyanga | Akukho ushintsho |
| 30-39 amakamelo | I-$ 232 ngenyanga U-$ 2,784 ngonyaka | Ukunyuka kwe-$ 5 ngenyanga Ukwanda kwe-$ 60 ngonyaka |
| Ngaphansi kwezingxenye ezingu-30 | $ 422 ngenyanga $ 5,064 ngonyaka | Ukunyuka kwe-$ 9 ngenyanga U-$ 108 ukwanda ngonyaka |
Kunesithakazelo sakho ukusebenzela kuze kube yizingxenye ezingu-40 uma kungenzeka. Lokhu kungasho ukulibaziseka umhlalaphansi kuze kube yilapho usuhlangabezane nezindleko ezanele zomsebenzi okhokhelwa intela. Uma usebenza engxenyeni engama-40 noma ngaphezulu, ingakusiza amashumi ezinkulungwane zamaRandi kumaphrimiyamu Ayingxenye A esikhathini sakho sokuphila. Lokhu kungaba nethonya elikhulu emandleni akho okuthatha umhlalaphansi ngokunethezeka.
Izindaba ezinhle ukuthi uma ungazange usebenze u-quarters 40, ungase ufanelekele ama-premium A Part A mahhala ngokusekelwe emlandweni womsebenzi womlingani wakho.
Lokhu kusebenza uma nje ushadile noma uhlala ungashadile ngemva kokuhlukanisa umuntu oshada naye okungenani iminyaka engu-10. Ungase uvumeleke ukusebenzisa irekhodi lomlingani wakho uma nawe ungumfelokazi. Umgomo kuphela ukuthi uhlale ungashadile futhi ushada nomngane wakho womshado okungenani izinyanga ezingu-9 ngaphambi kokuba zidlule.
Imithetho yabantu abashade nabo bangathola okuncane okukhohlisayo.
Sicela uqaphele ukuthi noma yimaphi imali oyithola "ngaphansi kwetafula" ngeke ibalekele ukufaneleka kwakho kwamahhala we-Part A mahhala kusukela kungekho intela ekhokhwayo.
Ingxenye A Izidakamizwa kanye ne-Copayments
Izindleko zesibhedlela kanye nezindleko zokuhlengikaza abanekhono , akumangalisi ukuthi ziyanda. Banda njalo ngonyaka futhi ngo-2018 kwakungenjalo. Isilinganiso senyanga ngenyanga sendawo egumbini lesigceme i-$ 6,692. Ikamelo elizimele, izindleko zenyukela ku-$ 7,604. Uma uhlala e-Alaska, e-Connecticut, eHawaii, eMassachusetts noma eNew York kulindele ukukhokha ngaphezulu. Lezi yizona zindleko ezibhebhethekile kakhulu zokunakekelwa kwezingane ekhaya. I-Alaska ithatha umklomelo nge $ 23,451 ngenyanga.
Izinga eliphansi lokudonswa likhokhiswa ukwemukelwa kwabagulayo. Leli ductible lihlanganisa zonke izindleko kuze kube yizinsuku ezingama-60 ngaphandle kwemali kadokotela ehlanganiswe yiNgxenye B. Ngemuva kwezinsuku ezingu-60, ukhokhiswa ikhophi yezinkokhelo ngosuku olwengeziwe olwengeziwe esibhedlela.
| Usuku Lokunakekelwa Kwebhedlela Lokungapheli | Izindleko zakho ezingu-2018 | Shintsha kusukela ngo-2017 |
|---|---|---|
| Izinsuku ezingenasifo esibhedlela ezingasetshenzisiwe 0-60 | $ 1,340 ukuhlala esibhedlela | Ukukhishwa kwenani lika-$ 24 |
| Izinsuku zokukhokhwa esibhedlela zesibhedlela ezingama-61-90 | $ 335 ngosuku | I-$ 6 ngosuku landa |
| Izinsuku zokugula ze-hospital hospital ezingapheli 91+ | U- $ 670 ngosuku | U- $ 12 ngosuku ukwanda |
Akukaze kube khona ukudonswa kwezinsuku ezingu-20 zokunakekelwa ezitholwe endaweni yokuhlengikaza enekhono (SNF) ngokushesha ngemuva kokuhlala esibhedlela esibhedlela. Izinto zingase zikhohlise lapha ngoba abanye abantu babekwe ngaphansi kokubheka kunokuba bavunyelwe ukuthi bayagula. Ukuhlala nje ebusuku esibhedlela akukwenzi ube yisiguli.
| Usuku lwe-SNF Care | Izindleko zakho ezingu-2018 | Shintsha kusukela ngo-2017 |
|---|---|---|
| Izinsuku ze-SNF 0-20 | $ 0 | Akukho ushintsho |
| Izinsuku ze-SNF 21-100 | $ 167.50 ngosuku | I-$ 3 ngosuku landa |
| Izinsuku ze-SNF 100+ | Zonke izindleko ezikhokhwe ephaketheni ngumzuzi | Akukho ushintsho |
Izindaba ezimbi ukuthi i-Medicare ayikhokheli ukunakekelwa okungahambisani nokuhlala esibhedlela.
Abantu abadinga ukunakekelwa kwesikhathi eside kuzodinga ukuthola enye indlela yokukhokha ikhaya labahlengikazi. Ngenxa yalesi sizathu, iningi labadala lidinga futhi ukubhalisela i-Medicaid .
Izwi kusuka
Uma unenhlanhla, awusoze udingeke usebenzise i-Medicare Part A. Awusoze udinga ukunakekelwa esibhedlela, awusoze udinga indawo yokuhlengikaza enekhono futhi awusoze udingeke ukunakekelwa esibhedlela . Ekugcineni, kubalulekile ukuthi ube nalokhu okumele ukwenze uma udinga futhi ukwazi ukuthi kuzodingeka kangakanani.
> Imithombo:
> Izindleko Zasekhaya Zokuhlengikaza Izindleko Zombuso. Skillednursingfacilities.org iwebhusayithi.
> Ingxenye A izindleko. Iwebhusayithi ye-Medicare.gov.