Ukufaneleka kwe-Medicaid: MAGI kanye Nempahla Yakho

Yini Okubala Futhi Engenzani?

Ukufaneleka kwe-Medicaid akuyona into eqondile njengoba ungase ucabange, okungenani asisekho. Nakuba imali yakho engenayo idlala indima ecacile- i- Medicaid, ngemuva kwakho konke, uhlelo olufanele lwabantu abampofu kanye nezidingo zomuthi- olufanelekile lungabuye lusekelwe ekubambeni kwakho kwezinye izinhlelo zikahulumeni.

Indlela oyifanelekela ngayo iMedicaid ithinta indlela uhulumeni abheka ngayo imali yakho.

Ukuqonda umehluko kungase kubalulekile ukuvikela izimpahla zakho ngokuhamba kwesikhathi.

Izigaba ezimbili zokufaneleka kwezidakamizwa

Ngaphambi koMthetho Wokunakekelwa Onganakekelwayo , i- Obamacare , ukufaneleka kwe-Medicaid kuncike ekutheni imali oyitholile nokuthi unakho kangakanani, isib. Imali yakho, izimpahla zakho kanye nokubiza kwakho. Ngemuva kokuba umthetho usungulwe, noma kunjalo, ukufaneleka kuhlukaniswe ngamaqembu amabili ahlukene.

Abanye abantu baqhubeka nokufanelekela i-Medicaid indlela endala, kanti abanye bafaneleka ngokusekelwe kwemali engenayo ehleliwe eguquliwe (MAGI).

Ukufaneleka kweMedicaid

MAGI

Ayikho i-MAGI

Abantu abahlangabezana nalezi zinqubo: Uneminyaka engu-19 no-20 ubudala abahlala nabazali babo Abantu abadala abangenabantwana abaphakathi kweminyaka engu-19 no-64 ubudala abahlala emazweni ngokukhulisa iMedicaid Abantu abafanelekile uHlelo LokuHlelwa Komndeni Izinsana nezingane ezingaphansi kweminyaka engu-19 ubudala Abazali / abanakekeli nezihlobo ezihlala endlini efanayo Abesifazane abakhulelwe

Abantu abahlangabezana nalezi zinqubo: Izingane zokunakekelwa kwabantwana bezingane, kuhlanganise nokunakekelwa kwabantwana abangaphambilini kwabantwana abaneminyaka engama-26 ubudala ababeseMedicaid ngosuku lokuzalwa kwabo-18 Abantu abasesikoleni emakhaya amadala aqhutshwa nguMnyango Wezenhlalakahle Wasekhaya (i-LDSS) noma iHhovisi leMinority Health (OMH) Izikhungo Zokunakekelwa Kwendawo yokuhlala / Ezokuhlala Komphakathi Abahlomuli be-Medicare bathola ngaphansi kwamaphesenti angu-100 wezinga lika-Federal Poverty (FPL) Abantu abafanelekile kulezi zinhlelo: Usizo lwezingane ezixhomekile Uhlelo lwe-Insurance Health Insurance Program COBRA I-Medicaid ye-Working Disabled I-Medicaid Cancer Treatment Program Uhlelo lwe-Medicare Savings Umshuwalense Wokukhubazeka Komphakathi (SSDI) Umshwalense Wokuphepha Komphakathi (SSI)

Ngokuya ngokuthi yiliphi iqembu owela kulo, i-MAGI noma i-non-MAGI, uhulumeni usebenzisa izici ezihlukile zokunquma uma ufaneleka ukuthola i-Medicaid.

Indlela yokubala i-MAGI

I-MAGI iyithuluzi eliyinhloko elisetshenziswe nguhulumeni ukucacisa ukufaneleka kwakho kwe-Medicaid noma umshuwalense wezempilo oxhaswe yi- Health Insurance Marketplace .

Ukuqonda i-MAGI kunembile njengoba ukubuyisa intela okusho ukuthi kungabangela ukudideka. Yilokho okudingeka ukwazi.

• Imali engenayo yakho iyinzuzo yakho ephelele etholakalayo. Yimali esebenza ngenkuthalo futhi ingacabangi izimpahla ezinjengezindlu zangempela noma izimoto. Abantu abahlala noma abasebenza kwamanye amazwe bangasebenzisa inzuzo yokungaphandle kwamanye amazwe kwimbuyiselo yabo yentela yase-US.
• Ingeniso yakho ejwayelekile ehlelwe (AGI) iyinzuzo yakho engenayo emva kokuncishiswa kwentela efanele. Isibonelo, ungakwazi ukukhipha izindleko zabafundisi, ukunikezwa kwe- akhawunti yokulondolozwa kwempilo , iminikelo ye-IRA, izindleko zezokwelapha, izindleko zokuhamba, izinkokhelo zempilo yomshuwalense oziqashile, izintela zokuqasha , umtsalo wesitatimende semali esikhokhelwa intela, kanye nokufundiswa, njll.
• Imali engenayo yakho eguquliwe ehlelwe kabusha (MAGI) yi-AGI yakho engenayo engenayo yangaphandle, izingxenye ezingekho intela zeNgeniso yakho yezokuThuthukiswa Komphakathi, nesithakazelo sokukhokha intela. Ngokuyinhloko, lokhu kwenezela emuva kokuncishiswa okunye ku-AGI. Kubantu abaningi, i-AGI ne-MAGI izoba efanayo.

Ukulungiswa kweNgeniso ye-MAGI

Kufaka phakathi	Akubandakanyi
U-Alimony wathola Ukuzuza kwezindleko Inzuzo yePulazi Imali etholakalayo, yasekhaya nasezizweni zangaphandle (umholo, amathiphu, inkokhelo) Izintshisekelo nezinzuzo Imali yokuqasha Izindleko Izinzuzo zokuziqasha / ukulahlekelwa Izinzuzo Zokuphepha Komphakathi Imbuyiselo yentela yombuso Izinzuzo zokungasebenzi	I-Alimony ikhokhwe Ukwesekwa kwabantwana kutholiwe Izipho / amafa Imali engatholakali yaseMelika yase-Indian * Umshwalense Wokuphepha Komphakathi (SSI) Ukubolekwa kwabafundi kanye nemali engenayo ye-scholarship * Izinzuzo zezilwane Inxephezelo yomsebenzi * = Bheka izidingo ze-Medicaid zombuso wakho

Uma kuziwa ekufanelekeni kwe-Medicaid, noma kunjalo, i-MAGI inezigaba ezimbili. Owokuqala yiholo lakho lomndeni, kanti okwesibili ubukhulu bendlu yakho. Uma uwedwa, emndenini wabantu ababili, noma emndenini wamahlanu, uzoba namazinga e-MAGI afanelekayo afanelekile ukuba afaneleke kulezi zinhlelo. Umbuso ngamunye uzoba namazinga ahlukene we-MAGI futhi, kuye ngokuthi ngabe awenzile yini ukunwetshwa kwe-Medicaid noma cha.

I-Medicaid ne-Test Asset

Uma kuziwa ekufanelekeleni ukufaneleka kwe-non-MAGI Medicaid, kokubili imali yakho engenayo kanye nempahla yakho iyadlala. Iningi lezinhlelo zikahulumeni ezikufanelekela ukuba uthole i-Medicaid zisebenzisa ukuhlolwa kwefa.

I-SSI isetha izinga. Uma imali engenayo kanye nempahla yakho ingaphezulu kwezinga elithile, ngeke uvumelekele uhlelo. Ngo-2017, umkhawulo wokuthola imali uhlelwe ku-$ 2,205 ngenyanga kanye nemingcele yempahla ku-$ 2,000 umuntu ngamunye.

I-MAGI Medicaid ayifuni konke. Izimpahla zakho zidlala uma kuziwa eNkonzo Yesikhathi Eside Nezinsiza (LTSS), ingxenye ye-Medicaid ekhokhela ukunakekelwa kwesikhathi eside ekhaya lasebekhulile .

Akuwona konke onakho okuzobalelwa kumafa akho. Lapha lapho ulwazi oluncane lungahamba khona ende. Uma unezimpahla eziningi kakhulu, kuzodingeka uchithe phansi ngaphambi kokuthi ufaneleke ku-Medicaid. Indlela ochitha ngayo, noma kunjalo, kubalulekile ngoba ungahlawuliswa izipho eziphezulu kakhulu noma ukudluliselwa okwenziwe ezinyangeni ezingu-60 ezedlule.

Lezi yizona zimpahla ezivame ukucatshangelwa, nakuba lolu hlu alukude kuphela:

• Ama-akhawunti weBhange kanye nokheshi: I $ 2,000 yakho yokuqala ingeyakho futhi eyakho yedwa. I-Medicaid izobala kuphela amadola ngaphezu kwalesi samba. Isibonelo, uma unama- $ 2,500 ku-akhawunti yakho yasebhange, kuphela ama-$ 500 kuphela azobalelwa kumpahla yakho efanelekayo ye-Medicaid.
• Izimali zokungcwaba nezokungcwaba: Uhulumeni uvumela isithunzi esithile ngokuqondene nokufa nokufa. Izikhwama ezisetshenziselwa ukuhlela ngaphambi komngcwabo noma isikhumbuzo azikhishwe kwizimpahla zakho zeMedicaid. Lokhu kufaka izakhiwo zokungcwaba zangaphambi kokuthengwa , hhayi kuphela kuwe kodwa nomndeni wakho oseduze. Uma kungabikho amalungiselelo okwenziwe kusengaphambili, i-akhawunti yasebhange efika ku-$ 1,500 ingagcinwa izindleko zomngcwabo futhi ingabalwa ngokuqondene nempahla yakho efanelekayo ye-Medicaid.
• Izinqubomgomo zemishuwalense: Akuzona zonke izinqubomgomo zomshuwalense ezenziwe zilinganayo. Izinqubomgomo zesikhathi sokuphila zikhokha inzuzo uma ufa kepha ungafaki inani lemali ngenkathi usaphila. Ezinye izinhlobo zezinqubomgomo-izinqumo zomshuwalense, ezinomphela, eziguquguqukayo, noma eziphelele zokuphila-thola inani lentengo ngokuhamba kwesikhathi. Lawa yiwo aMedicaid aqondisa ukunakekelwa kwawo. I-Medicaid izofaka inani lenkokhelo yenqubomgomo yomshuwalense wokuphila ngaphezu kwe $ 1,500 ekuhlolweni kwefa. Isibonelo, uma inani lemali liyi $ 2,000, kuphela ama-$ 500 kuphela angalinganiselwa kumkhawulo wakho wokufaneleka.
• Impahla: Ikhaya lakho kungenzeka ukuthi liyigugu lakho eliyigugu kakhulu, kodwa lingase lingabalwa ekuhlolweni kwefa lakho le-Medicaid. Uma nje uhlala endaweni lapho ufaka khona i-Medicaid futhi uhlela ukubuyela ekhaya lakho, livikelwe kuze kube yinani lika-$ 560,000 nakuba amanye amazwe asemukele umkhawulo ongaphezulu we $ 840,000. Izakhiwo ezingeziwe zingase zikhishwe ekuhlolweni kwefa. Kuncike ekutheni lezo zakhiwo ezengeziwe ziyadingeka ekusekeleni kwakho, okungukuthi, zenza imali engenayo okungenani amaphesenti angu-6 enani lempahla ngonyaka. Cabanga ngamapulazi, izindawo zokuqashisa, kanye nezinye izimali zokutshala izimpahla kulesi sigaba.
• Izimoto: Uma unomnikazi wemoto, ungaqiniseka ukuthi i-Medicaid ngeke ibambelele kuwe, kungakhathaliseki ukuthi kubiza kangakanani. Lokhu kungase kube yi-Lamborghini! Ungakwazi futhi ukukhulula imoto yesibili emdala kuneminyaka eyisikhombisa, ngaphandle uma imoto yokunethezeka noma imoto yama-antique noma yama-classic imdala kuneminyaka engu-25 ubudala.

Uma ushadile, oshade naye uzohlanganyela ngephesenti elithile lezimpahla zakho. Umbuso ngamunye unemithetho ehlukene yokuthi lokhu kungabelwa kanjani. Qinisekisa ukuthi uhlole ihhovisi lakho laseMedicaid lendawo.

Ukuthatha Inzuzo ye-MAGI

I-Care Affordable Act Act ekwazi ukufaneleka nokubhaliswa kwezigidi zabantu baseMelika. Ukusebenzisa i-MAGI ukufaneleka kufanele kube nenqubo yokwenza isicelo. Umthwalo wokuphatha wokuqinisekisa izimpahla wabekwa eceleni. Ngeshwa, kwabuye kwavumela abantu abacebile ukuba basebenzise inzuzo yabakhokhi bentela.

Uma ukholelwa noma cha, izigidigidi zingakwazi ukuthola i-Medicaid ngaphansi kwesistimu yamanje.

Lokhu kuvela kwenzeka ngoba iningi lamaMelika manje lifanelekela i-Medicaid nge-MAGI, okungukuthi uma ufuna ukunakekelwa kwekhaya lomhlengikazi isikhathi eside akusebenzisi ukuhlolwa kwefa. Abantu abanempahla ecebile, ikakhulukazi labo abanomali noma izimpahla zangempela, bangakwazi ukuhlangabezana nezimfuneko ze-MAGI.

Umuntu angaba nekhaya elibiza u-$ 840,000, i-Lamborghini, imoto yesibili, amakhulu amahektare epulazi, futhi namanje kufanelekile ukuba i-Medicaid. Laba baseMelika bangabhekwa njengabacebile nganoma yiziphi izindinganiso kodwa ngokubamba inzuzo yabo, bavumelekile ngokomthetho ukuthola iMedicaid noma izinhlelo ezixhaswe yi-Health Insurance Marketplace . Yilokho okwenzekayo ngisho nalapho bengakwazi ukungena kalula kumafa abo ukuze bakhokhele umshuwalense wezempilo.

Kuhlelo olwenzelwe abampofu, lokhu kuyindlela yokuhlukunyezwa ngokuqondile kwehlelo. Akumangalisi ukuthi abantu bafuna ukuguqulwa kweMedicaid.

Njengoba i-GOP ihlela ukuqeda u-Obamacare, singabheka ukuguqulwa kwe-MAGI Medicaid. Sizobuyela esikhathini lapho imali engenayo kanye nempahla yakho inquma ukufaneleka kwakho.

Izwi elivela

Ukufaneleka kwemithi kungaba yinkinga eyinkimbinkimbi. Kungakhathaliseki ukuthi ufanelekile nge-MAGI noma nge-non-MAGI, izimpahla zakho zizohlolwa ngaphansi uma udinga ukunakekelwa kwekhaya lomhlalaphansi isikhathi eside. Qonda ukuthi izimpahla zakho zizobalwa kanjani futhi ungathola izindlela zokuzivikela esikhathini esizayo.

> Imithombo:

> Ukufaneleka nokubhalisa kwabakwa-Non-MAGI Population. Iwebhusayithi ye-State Health Reform Assistance Network. http://www.statenetwork.org/wp-content/uploads/2015/09/Eligibility-and-Enrollment-for-the-Non-MAGI-Population-September-2015.pdf. Ishicilelwe ngo-September 24, 2015.

> Ukufaneleka kwe-Medicaid. Iwebhusayithi yakwaMedicaid.gov. https://www.medicaid.gov/medicaid/eligibility/index.html.

> Imingcele Yokuthola Imali Yokuthola Imali Kubantu Abadala Njengamaphesenti Esikhundleni Sobumpofu Base-Federal. Iwebhusayithi kaHenry J. Kaiser Family Foundation. http://www.kff.org/health-reform/state-indicator/medicaid-income-eligibility-limits-for-adults-as-a-centcent-of-the-federal-poverty-level/. Ishicilelwe ngoJanuwari 1, 2017.

> Ukuqonda Imali Yokwesekwa Kwezokuvikeleka SSI Resources - Edition 2017. Iwebhusayithi yokuPhatha kwezokuThuthukiswa komphakathi https://www.ssa.gov/ssi/text-resources-ussi.htm.

> Yini Eguqulwayo Yomholo Olungisiwe? Iwebhusayithi ye-Internal Revenue Service. https://www.irs.com/article/what-modified-adjusted-gross-income.