Indlela Yokuhlawula Izindleko Zempilo Yakho
Ingxenye B yiyona ehlanganisa inqwaba yezindleko zakho zokunakekelwa kwezempilo. Qonda ukuthi uzokhokha malini ephaketheni kanye nesabelomali sonyaka ozayo.
Ingxenye B Ikhutshaziwe
I-deductible yonyaka engxenyeni B yi-$ 183 ngo-2018, ingashintshi kusukela ngo-2017. Kudingeka ukhokhe imali ephelele yokudonswa ngaphambi kokuthi uMedare uzoqala ukukhokhela izindleko zezempilo.
Ingxenye B Ama-Premium
Ukhokha izinkokhelo zenyanga zama-Medicare.
Uma ungakhokhi ama-premium akho ngesikhathi esifanele, ukufakwa kwakho kuzothathwa. Unikezwa isikhathi somusa wezinsuku ezingu-90 ukwenza izinkokhelo ngaphambi kokukhishwa kwe-Part B yakho kukhanseliwe.
Ngo-2018, amazinga e-Part B premium ahlala efana namabhakethi angamaholo angamahlanu.
Yini eshintshile yibakaki abakhokhelwa ngokwabo. Abantu abaningi bangase bamangale lapho bethola ukuthi bakhokha kakhulu ngokwezimali ezifanayo. Amakaki amabili okuqala engenayo ahlale engashintshi, futhi ukushaywa kwezindleko zokunyuka kwentengo kuhloswe ukushaya labo abanendlela enkulu yezimali.
* Qaphela ukuthi amabakaki angeniso asekelwe ekubuyiselweni kwentela yakho yokugcina engenayo. Ngo-2018, sicela ubheke ukufakela kwakho ngo-2016.
2018 Ingxenye B Izinkokhelo Zabantu ngabanye
Isikhwama sokungena imali kubantu ngabanye sehlile ngamaRandi ayizigidi ezingama-54 ngonyaka.
| I-Bracket Yokuthola ngo-2018 | I-Bracket Yokuthola ngo-2017 | Izindleko zakho |
| Ngaphansi kwama-$ 85,000 | Ngaphansi kwama-$ 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 |
| Ngaphezulu kwama-$ 160,000 | Ngaphezu kuka-$ 214,000 | $ 428.60 ngenyanga |
Uma uzuze amaRandi angu-134,000, ngabe ukhokhe u-$ 267.90 ngenyanga ngenyanga ka-2017 kodwa uzokhokha u-$ 348.30 ngenyanga ngenyanga ka-2018, i-$ 965 eyengeziwe ngonyaka. Uma uzuze u-$ 161,000, ngabe ukhokhe u-$ 384.30 ngenyanga ngenyanga ka-2017 no-$ 428.60 ngo-2018, enye imali engu-$ 964 ngenyanga.
2018 Ingxenye B Izinqununu Zomshado Ongashadile
Isikhwama sokuthola imali sesibhangqwana esishadile sehlile ngo-$ 108,000 ngonyaka.
| I-Bracket Yokuthola ngo-2018 | Inzuzo ye-Bracet ngo-2017 | Izindleko zakho |
| Ngaphansi kwama-$ 170,000 | Ngaphansi kwama-$ 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 |
| Ngaphezulu kwama-$ 320,000 | Ngaphezu kuka-$ 428,000 | $ 428.60 ngenyanga |
Uma umbhangqwana uzuze u-R8 26,000, ngabe ukhokhe u-$ 267.90 ngenyanga ngenyanga ka-2017 kodwa uzokhokha u-$ 348.30 ngenyanga ngenyanga ka-2018, imali eyengeziwe engu-$ 965 ngonyaka. Uma uzuze u-$ 321,000, ngabe ukhokhe u-$ 384.30 ngenyanga ngenyanga ka-2017 no-$ 428.60 ngo-2018, enye imali engu-$ 964 ngenyanga.
2018 Ingxenye B Izinkokhelo Zabantu Abashadile Abafakela Banye Abantu
I-bracket yonke engenayo isusiwe kubantu abashadile abafakela ngabanye. Uzohola ngenhla noma ngaphansi kuka-$ 85,000.
| I-Bracket Yokuthola ngo-2018 | I-Bracket Yokuthola ngo-2017 | Izindleko zakho ngo-2018 |
| Ngaphansi kwama-$ 85,000 | Ngaphansi kwama-$ 85,000 | $ 134.00 ngenyanga |
| Kukhulu kunama-dollar ayi-85,000 | $ 85,000 - $ 129,000 | $ 428.60 ngenyanga |
| Kukhulu kunama-$ 129,000 |
Ngo-2017, ngabe ukhokhe imali engu- $ 348.30 ngenyanga uma imali yakho engenayo ingu-$ 86,000. Leli nani manje selikhuphukele ku-$ 428.60, lengeza enye imali engu-$ 964 ngenyanga. Uma befake njengomuntu oyedwa, ngabe ngabe ukhokhe imali engu-187.50 ngenyanga. Kuyadabukisa ukucabanga ukuthi umuntu angakhokha kancane uma ahlukanisile kunokuhlukaniswa.
Ngale ndlela, umuntu oshadile nguye onenkinga kakhulu.
Ingxenye B Izinkokhelo Nokuvikeleka Komphakathi
Ngeke kulindeleke ukuthi ukhokhe ngaphezulu kweMedare uma kungenjalo nokukhuphuka kwezinzuzo zezenhlalakahle. I-hosting ilungiselelo elingenabungozi livikela abaxhasi bezenhlalakahle ekukhokheni amaphrimiyamu aphakeme uma behlangabezana nemigomo ethile.
- Unelungelo lokuthola izinzuzo zokuvikeleka kwezenhlalakahle kusukela ngoNovemba ngonyaka odlule.
- Izinkokhelo zakho ze-Medicare Part B zithathwe ngokuqondile kwisheke sakho sezenhlalakahle kusukela ngoNovemba ngonyaka odlule kuya kuJanuwari unyaka wamanje.
- Noma yikuphi ukukhushulwa kwezenhlalakahle zokulungiswa kokuphila (COLA) akwanele ukumboza izindleko zokunyuka kwe-premium.
- Wena usezingeni eliphansi kakhulu lokuthola imali.
I-Social Security COLA ye-2018 ingamaphesenti amabili. Ngaphandle kokwanda kwama-premium ebhakheni elitholile kakhulu, kulindeleke ukuthi ukhokhe izinga elibalwe. Ngo-2017, inani le-COLA lalilinganiselwa ku-0.3% kuphela, okwanele ukumboza izindleko zokunyuka kwe-premium ngonyaka. Abahlomuli abahlangabezane nalezi zindlela ezingenhla bavunyelwe ukukhokha u-2016 Part B premium rate ye $ 121.80 ngenyanga.
Kulabo abafanelekile , i-Medicaid izokhokhela izinkokhelo zabo ze-Medicare. Bayokhokhiswa amazinga aphezulu we-Part B premium.
Ingxenye B Izinkokhelo kanye Nemithi Yokusiza
Ungakhetha ukuba ne- Original Medicare (izingxenye A no-B) noma uhlelo lweMediare Advantage (Ingxenye C) . Izinhlelo ze-Medicare Advantage zinikezwa izinkampani zomshuwalense wangasese futhi zizohlanganisa yonke into ehlinzekwa yi-Original Medicare nokuningi.
Ngisho noma unquma inqubo ye-Medicare Advantage bese ukhokhela izinkokhelo kwinkampani yomshuwalense, usadingeka ukhokhe izinkokhelo ze-Part B kuhulumeni. Kumele uthathe lezo zindleko ezengeziwe.
Ingxenye B Ukuqinisekisa
Ingxenye B yokuqinisekisa ubulokhu ingaguquki. I-Medicare ikhokha amaphesenti angu-80 futhi ukhokha ngamaphesenti angu-20 ngaphandle kokuhlolwa kwezivivinyo zokuvimbela. Uma nje udokotela wakho esamukela isabelo , izivivinyo zakho zokuzivivinya zokuzivikela zizoba mahhala.
Izwi kusuka
Iningi lokunakekelwa kwezempilo lakho lizokhokhelwa yi-Medicare Part B. Ngokufanayo, iningi lezikweletu zakho lizosebenzisana noM Medicare Part B. Ukwazi ukuthi yini okulindeleke ukuthi ukhokhele ama-deductibles, ama-premium kanye nokuqinisekiswa kwezimali ngo-2018 kuzokusiza kubhajethi ngokufanele.
> Imithombo:
> I-Cost-of-Living Adjustment (COLA) Ulwazi ngo-2018. UkuPhathwa kwezokuThuthukiswa koMphakathi. https://www.ssa.gov/news/cola/
> Izindleko zeNgxenye B. Iwebhusayithi ye-Medicare.gov. https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html.