Nzira Yokubhadharisa Mari Yenyu Yezvemari
Chikamu B ndicho chinosanganisira zvizhinji zvehutano hwehutano hwako. Kunzwisisa kuti iwe uchabhadhara zvakadini muhomwe uye bhajeti yegore rinotevera.
Chikamu B Chinobviswa
Gore ra2011 rinobviswa kweChikamu B iri $ 183 muna 2018, kusashandurwa kubva muna 2017. Unofanirwa kubhadhara mari yakakwana inodhakwa pamberi paMedare inotanga kubhadharira kuhutano hwako.
Chikamu B Premium
Unobhadhara miriyamu yemwedzi yeMedare.
Kana iwe usingabhadhara mari yako yepurayamisi panguva yakakodzera, kugovera kwako kuchabviswa. Iwe unopiwa nemazuva makumi mapfumbamwe-nenyasha yenguva yekubhadhara chikamu chako cheChitatu B chisati chabviswa.
Muna 2018, Chikamu B premium rates inoramba yakafanana kune mabhiji mashanu mashanu.
Chii chakashandurwa ndezvokuti mabheji anowana mari. Vanhu vazhinji vangave vakashamisika kuziva kuti vari kubhadhara zvakanyanya mari yakafanana. Maoko maviri ekutanga anowanikwa asingashanduki, uye kutengesa kwemitengo kunokonzerwa nekurova avo vane mari zhinji.
* Cherechedza kuti mabheji ekubhadhara anobva pane yako yekupedzisira yakapedzerwa mubhadharo yemutero. For 2018, ndapota shandisai 2016 kudhinda kwako.
2018 Chikamu B Zvikwereti zveVanhu
Chikwangwani chekubhadhara mari yevanhu zvakaderera ne $ 54,000 pagore.
| Bracket Inowanikwa muna 2018 | Bracket Inowanikwa muna 2017 | Zvaunoshandisa |
| Pasi pe $ 85,000 | Pasi pe $ 85,000 | $ 134.00 pamwedzi |
| $ 85,000 - $ 107,000 | $ 85,000 - $ 107,000 | $ 187.50 pamwedzi |
| $ 107,000 - $ 133,500 | $ 107,000 - $ 160,000 | $ 267.90 pamwedzi |
| $ 133,500 - $ 160,000 | $ 160,000 - $ 214,000 | $ 348.30 pamwedzi |
| Zvinopfuura $ 160,000 | Zvinopfuura $ 214,000 | $ 428.60 pamwedzi |
Kana ukawana $ 134,000, ungadai wakabhadhara $ 267.90 pamwedzi muna 2017 asi waizobhadhara $ 348.30 pamwedzi muna 2018, imwe $ 965 pagore. Kana ukawana $ 161,000, ungadai wakabhadhara $ 384.30 pamwedzi muna 2017 uye $ 428.60 muna 2018, imwe $ 964 pamwedzi.
2018 Chikamu B Zvikwereti zvevakaroorana
Chikwata chekuwana mari yevakaroorana vakaderera ne $ 108,000 pagore.
| Bracket Inowanikwa muna 2018 | Mari yeBracet muna 2017 | Zvaunoshandisa |
| Pasi pe $ 170,000 | Pasi pe $ 170,000 | $ 134.00 pamwedzi |
| $ 170,000 - $ 214,000 | $ 170,000 - $ 214,000 | $ 187.50 pamwedzi |
| $ 214,000 - $ 267,000 | $ 214,000 - $ 320,000 | $ 267.90 pamwedzi |
| $ 267,000 - $ 320,000 | $ 320,000 - $ 428,000 | $ 348.30 pamwedzi |
| Zvinopfuura $ 320,000 | Zvinopfuura $ 428,000 | $ 428.60 pamwedzi |
Kana vaviri vakagamuchira $ 268,000, mungadai makabhadhara $ 267.90 pamwedzi muna 2017 asi muchabhadhara $ 348.30 pamwedzi muna 2018, imwe $ 965 pagore. Kana ukawana $ 321,000, ungadai wakabhadhara $ 384.30 pamwedzi muna 2017 uye $ 428.60 muna 2018, imwe $ 964 pamwedzi.
2018 Chikamu B Zvikwereti zvevanhu vakaroorana Vanodha sevanhu
Imwe mari yakabhadharwa yakabviswa kuvanhu vakaroorana vachiisa sevanhu. Iwe unobhadhara mari yepamusoro kana pasi pe $ 85,000.
| Bracket Inowanikwa muna 2018 | Bracket Inowanikwa muna 2017 | Zvaunotora muna 2018 |
| Pasi pe $ 85,000 | Pasi pe $ 85,000 | $ 134.00 pamwedzi |
| Mukuru kune $ 85,000 | $ 85,000 - $ 129,000 | $ 428.60 pamwedzi |
| Yakakura kudarika $ 129,000 |
Muna 2017, ungadai wakabhadhara $ 348.30 pamwedzi kana iwe wawana $ 86,000. Nhamba iyoyo ikozvino yakawedzera kusvika $ 428.60, ichiwedzera imwe $ 964 pamwedzi. Kudai vainge vatora semunhu mumwe chete, ungadai wakabhadhara $ 187.50 pamwedzi. Zvinosuruvarisa kufunga kuti mumwe munhu aigona kubhadhara mari shoma kana vakarambana pane kuparadzana.
Nenzira iyi, munhu akaroorwa ndiye anonyanya kuisa pangozi.
Chikamu B Premium uye Social Security
Iwe haugoni kutarisirwa kubhadhara zvimwe zveMedare kana pasinawo kuwedzera kwe Social Social benefits. Iko inobata zvigaro zvisingabatsiri inodzivirira Social Security vanogamuchira kubva kubhadhara premium yakakwirira kana vachiwana zvimwe zviyero.
- Iwe waive nekodzero ye Social Social benefits kubva munaNovember gore rapfuura.
- Your Medicare Part B premium yakabviswa zvakananga kubva kune yako Social Security check kubva munaNovember gore rapfuura kusvika munaJanuary gore razvino.
- Chero Chekuchengetedzwa Kwemagariro eZvenzvimbo yekuchengetedza mararamiro (COLA) kuwedzera hakukwani kuvhara mari yekuwedzera kwekutanga.
- Iwe uri munharaunda yakaderera yekuwana.
The Social Security COLA ye 2018 ndeye 2 muzana. Pasina kuwedzera kwemaripo yebhasikiti yakaderera, iwe unotarisirwa kubhadhara muwandu hwakarongwa. Muna 2017, mari yeCOLA yaingova 0.3% chete, kwete kukwana kubhadhara mari yekuwedzera kwekutanga kwegore. Vakabhadhara avo vakawana nzira dzakataurwa pamusoro apa vakabvumirwa kubhadhara 2016 Chikamu B premium ye $ 121.80 pamwedzi.
Kune avo vari vaviri vakakodzera , Medicaid ichabhadhara mapeimisi avo aMedare. Vachakwaniswa kutora chikamu chepamusoro cheB B premium rates.
Chikamu B Premiums uye Medicare Kubatsira
Iwe unogona kusarudza kuva neAradio Medicare (Zvikamu A uye B) kana chirongwa cheMederal Advantage (Chikamu C) . Medicare Inobatsira zvirongwa zvinopiwa nemakambani einishuwarenzi ega ega uye ichafukidza zvinhu zvose zveMutambo waMedare zvinopa uye nezvimwe.
Kunyange kana iwe ukasarudza chirongwa che Medicare Advantage uye ubhadhara mari yemari kumakambani einishuwarenzi, iwe uchiri kubhadhara chikamu cheBumbi B kune hurumende. Iwe unofanira kutora mari iyoyo yakawedzerwa.
Chikamu B Coinsurance
Chikamu B coinsurance inoramba ichichinjwa. Medicare inotora 80 muzana uye iwe unobhadhara 20 muzana kunze kwekudzivirira kuongorora kuongorora. Chero bedzi chiremba wako achibvuma basa , maitiro ako ekudzivirira anoongorora achave akasununguka.
Shoko kubva
Nyaya yehutano hwako ichabhadharwa neMurengeti weChirungu B. Saizvozvowo, ruzhinji rwemari yako kubva muhomwe mari inofanirwa neMurereti Chikamu B. Kuziva zvaunotarisirwa kuribhadhara madharai, mapeamisi, uye kubhadhara mari muna 2018 zvichakubatsira iwe kuti iite bhadha zvakakodzera.
> Sources:
> Mari-ye-Kuchinja Kuchinja (COLA) Mashoko e 2018. Social Security Administration. https://www.ssa.gov/news/cola/
> Chikamu B mari. Medicare.gov website. https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html.