Nzira Yokubhadharisa Mari Yenyu Yezvemari
Congress yakashuma Medicare mari ye 2018. Munhu wese, pasinei nemari yaanowana, achaiswa pasi pakuwedzera kwemari yekushandisa mari. Shandisa nhamba idzi kuti utungamirire mari yako yehutano mune gore idzva.
Chikamu A Premium
Medicare Chikamu A isingabhadharwi nehurukuro ye 99 muzana yeAmerica. Ichi ndechokuti vanhu vazhinji vakabhadhara muhurongwa kwemakore nemitero yevashandi veMedare uye Social Security .
Kana mumwe munhu asina kugovera makumi mana (gumi nemakore) kana kupfuura zveMedarere yemitero, zvisinei, ivo vachazobhadhara kubhadhara mari yemishonga yeMedare sezvinotevera.
| Quarters of Medicare Mitero Inobhadharwa | Mari Yako 2018 | Shanduka kubva muna 2017 |
|---|---|---|
| 40 gumi kana kupfuura | $ 0 pamwedzi | Hapana kuchinja |
| 30-39 makamuri | $ 232 pamwedzi $ 2,784 pagore | $ 5 kuwedzera pamwedzi $ 60 kuwedzera pagore |
| Pasingapfuuri makumi matatu emakamuri | $ 422 pamwedzi $ 5,064 pagore | $ 9 kuwedzera pamwedzi $ 108 kuwedzera gore |
Ndizvo zvaunofarira kushanda kusvika kumakamuri makumi mana kana zvichikwanisika. Izvi zvinogona kureva kunonoka kubvisa basa rako kusvikira uchingana nemakamuri akakwana emashandiro ehurumende. Kana ukashanda makumi mana kana kupfuura, unogona kukuponesa makumi makumi ezviuru zvemadhora muPeam A premium pamusoro pehupenyu hwako. Izvi zvinogona kunge zvakakosha pamusana pekwanisi rako rekurega basa zvakanaka.
Nhau dzakanaka ndeyokuti kana iwe usati washanda makumi mana makumi mana, iwe unogona kukodzera kusununguka Chikamu chePaimamu inobva pakubhadharwa kwemabasa omumwe wako.
Izvi zvinoshanda chero bedzi iwe wakaroora kana iwe ukaramba usina kuroorwa mushure mekurambana nomumwe wawakaroorana naye kwemakore anenge gumi. Iwe unogona kukodzera kushandura rekodha rako kana iwe uri chirikadzi zvakare. Mutemo chete ndewekuti iwe ugare wakaroora uye wakaroorana nemumwe wako kwemwedzi 9 musati vapera.
Mitemo yevanhu vanoroorazve vanogona kuwana zvishoma zvinyengeri.
Ndapota cherechedza kuti mari ipi neipi yaunowana "pasi petafura" haichaverengi kune yakakodzera kubhadhara Chikamu A premium sezvo pasina mvumo yakanyorwa.
Chikamu A Deductibles uye Copayments
Chipatara mari uye unyanzvi hwekuyamwisa hutengo , hazvishamisi kuti zviri kuwedzera. Vanowedzera gore roga rega uye gore ra2018 rakanga risina kudaro. Ivhareji yepamwedzi yepamwedzi yekamuri imwe chete-yega yega inenge $ 6 692. Kune imwe nzvimbo yega, mari inokwira ichienda ku $ 7 604. Kana uchigara kuAlaska, Connecticut, Hawaii, Massachusetts kana New York vanotarisira kubhadhara zvakawanda. Idzi ndidzo dzinodhura zvakanyanya zvekuchengetwa kwekuchengetwa kwemusha munyika. Alaska inotora mubairo we $ 23,451 pamwedzi.
A flat flat deductible rate inobhadharwa kune umwe neumwe muchengeti wekubhabhatidzwa. Izvi zvinodhevedzwa zvose zvinodhura kusvikira mazuva makumi matanhatu kunze kwechiremba madhaini ayo akafukidzwa neChikamu B. Mushure memazuva makumi matanhatu, iwe unokweretwa chikwereti kwezuva rimwe nerimwe raunenge uri muchipatara.
| Zuva reInpatient Hospital Care | Mari Yako 2018 | Shanduka kubva muna 2017 |
|---|---|---|
| Inpatient chipatara mazuva anochera 0-60 | $ 1,340 nechipatara kugara | $ 24 muwandu wekuwedzera |
| Inpatient kuchipatara mazuva ekubhadharwa kwemakore 61-90 | $ 335 pazuva | $ 6 pazuva rinowedzera |
| Inpatient chipatara mazuva ekubhadhara mazuva 91+ | $ 670 pazuva | $ 12 pazuva rinowedzera |
Hapasati yambove yakagadzirirwa kwemazuva makumi maviri ekutanga ekuchengetwa yakagamuchirwa pane unyanzvi hwekuyamwisa unogara (SNF) pakarepo ichichitevera chipatara chepachipatara chinogara. Zvinhu zvinogona kunetsa pano nokuti vamwe vanhu vanoiswa pasi pekucherechedza pane kuti vabvumirwe sevasati vashandi. Kugara kungoita husiku husiku muchipatara hakuiti kuti iwe uri mucheche.
| Zuva reSNF Care | Mari Yako 2018 | Shanduka kubva muna 2017 |
|---|---|---|
| SNF mazuva 0-20 | $ 0 | Hapana kuchinja |
| SNF mazuva 21-100 | $ 167.50 pazuva | $ 3 pazuva rekuwedzera |
| SNF mazuva 100+ | Zvose zvinobhadhara kubva muhomwe kuburikidza nemudzidzi | Hapana kuchinja |
Nhau dzakaipa ndeyokuti Medicare haina kubhadhara kuchengetedza iyo isingabatanidzi nechipatara kugara.
Vanhu vanoda rubatsiro rwekugara kwenguva refu vachada kuwana imwe nzira yekubhadhara pamusha wevanotarisira. Nokuda kwechikonzero ichocho, vakawanda vakwegura vanofanirwawo kutumira ku Medicaid .
Shoko kubva
Kana iwe uine rombo, hauzombofaniri kushandisa Medicare Part A. Iwe haungatombodi kuendeswa kuchipatara, iwe hauzombodi mukoti unyanzvi uye iwe haungambodi kutarisira mahara . Pakupedzisira, zvakakosha kuti uve nehuwandu hwekugadzirisa iwe iwe unofanirwa kuhuda uye kuziva kuti zvaizodhura zvakadini.
> Sources:
> Mhuri yevachengeti Mari dzinoshandiswa neHurumende. Skillednursingfacilities.org website.
> Chikamu A mari. Medicare.gov website.