Kulingalira kwa Medicaid: MAGI ndi Zinthu Zanu

Nchiyani Chiwerengera Ndi Chiyani?

Kuyenerera kwa Medicaid sikumveka molunjika momwe mungaganizire, osakhalanso. Ngakhale kuti ndalama zanu zimakhala ndi gawo lodziwikiratu- Medicaid ndizomwe, pulogalamu ya osauka ndi osowa mankhwala - kulandira kwanu kumadaliranso ndi kutenga nawo mbali pa mapulogalamu ena a boma.

Momwe mukuyenerera ku Medicaid zimakhudza m'mene boma likuyang'anirani ndalama zanu.

Kumvetsetsa kusiyana kumeneku kungakhale kofunikira kuti muteteze katundu wanu pomalizira pake.

Zigawo ziwiri za Medicaid Eligibility

Pambuyo pa Chithandizo Chamtengo Wapatali, aka Obamacare , kuyenera kwa Medicaid kunachokera pa ndalama zomwe munapeza ndi zomwe munali nazo, mwachitsanzo, ndalama zanu, katundu wanu, ndi ukonde wanu. Lamulo litakhazikitsidwa, komabe kuyenerera kunagawanika kukhala magulu awiri osiyana.

Anthu ena adapitiliza kupeza Medicaid njira yakale, pamene ena amayenerera malinga ndi ndalama zawo zomwe zasinthidwa (MAGI).

Medicaid Eligibility

MAGI

Osati MAGI

Anthu omwe amakwaniritsa izi: 19 ndi zaka 20 akukhala ndi makolo awo Achikulire opanda ana pakati pa zaka 19 ndi 64 omwe amakhala m'mayiko omwe akuwonjezeka ndi Medicaid Anthu omwe akuyenera kulandira Pulogalamu ya Kupindula Ana ndi ana osakwana zaka 19 Makolo / osamalira ndi achibale omwe amakhala m'banja lomwelo Azimayi

Anthu omwe amakwaniritsa izi: Ana osamalira ana awo, kuphatikizapo ana omwe kale anali osamalira ana awo mpaka zaka 26 omwe anali pa Medicaid patsiku lawo lachisanu ndi chimodzi Akhazikitseni anthu m'mabanja akuluakulu omwe amayendetsedwa ndi Local Department of Social Services (LDSS) kapena Office of Minority Health (OMH) Care Residential / Community Residences A Medicare opindula omwe amalandira malipiro oposa 100 peresenti ya chigawo cha Federal Poverty level (FPL) Anthu omwe angathe kulandira mapulogalamu awa: Thandizo kwa Ana Okhazikika AIDS Health Insurance Program COBRA Medicaid kwa Ogwira Ntchito Olemala Medicaid Cancer Treatment Program Pulogalamu Yowonetsera Medicare Inshuwalansi Yopumitsa Bungwe la Social Disability (SSDI) Bungwe la Social Security Inshuwalansi (SSI)

Malinga ndi kagulu komwe mumagwera, MAGI kapena osati MAGI, boma limagwiritsa ntchito zifukwa zosiyanasiyana kuti mudziwe ngati muli woyenerera ku Medicaid.

Mmene Mungayankhire MAGI

MAGI ndicho chida chachikulu chomwe boma limagwiritsa ntchito kuti mudziwe kuti ndinu oyenerera ku Medicaid kapena inshuwalansi ya umoyo kudzera mu Inshuwalansi ya Ma inshuwalansi .

Kumvetsetsa MAGI kuli molondola monga kubwerera kwa msonkho kumene kukutanthauza kuti zingasokoneze. Izi ndi zomwe muyenera kudziwa.

• Ndalama zanu zonse ndizo ndalama zanu zonse. Ndi ndalama yomwe ikubwera mwachangu ndipo silingaganizire chuma chokhazikika monga malo enieni kapena magalimoto. Anthu omwe amakhala kapena kuntchito kunja angapindule ndi kusalidwa kwa ndalama kunja kwaboma lawo ku US.
• Ndalama zanu zowonongeka (AGI) ndizopindula zanu pokhapokha mutapatsidwa msonkho woyenera. Mwachitsanzo, mungathe kupereka ndalama za ophunzitsira, zopereka za ndalama za ndalama , zopereka za IRA, ndalama zothandizira, kuyendetsa ndalama, kusungidwa kwa inshuwalansi zaumoyo, kudzipangira okha, ntchito ya ngongole ya aphunzitsi pamabwerero anu a msonkho,
• Zomwe ndalama zanu zasinthidwa (MAGI) ndi AGI yanu yopanda ndalama, zomwe sizinali zokhoza msonkho za ndalama zanu za Social Security, komanso chidwi cha msonkho. Mwachidziwikire, izi zikuwonjezeretsanso zina mwazochokera ku AGI. Kwa anthu ambiri, AGI ndi MAGI zidzakhala zofanana.

Zokonzanso Zopeza MAGI

Zimaphatikizapo	Sichiphatikizapo
Alimony analandira Kupindula kwakukulu Ndalama zapulawi Ndalama zowonjezera, zoweta ndi zakunja (malipiro, ndondomeko, malipiro) Chidwi ndi zopindulitsa Misonkho yobwereka Zopatsa Ntchito zodzigwira / kutaya ntchito Phindu la Social Security Malipiro a msonkho wa boma Kupanda ntchito	Alimony analipira Thandizo la ana linalandidwa Mphatso / madalitso Ndalama zopanda msonkho za Amwenye a ku America * Bungwe la Social Security Inshuwalansi (SSI) Ngongole za ophunzira ndi zopindula za maphunziro * Mapindu a wodwala Malipiro a antchito * = Onetsani zofunikira za Medicaid yanu

Pankhani ya kulandila kwa Medicaid, komabe MAGI ili ndi zigawo ziwiri. Choyamba ndizopeza pakhomo lanu, ndipo chachiwiri ndi kukula kwa banja lanu. Ngati muli nokha, m'banja la awiri, kapena m'banja la asanu, mutha kukhala ndi magulu oyenerera a MAGI kuti muyenerere maphunzirowa. Dziko lirilonse lidzakhala ndi magulu osiyanasiyana a MAGI, malingana ndi ngati iwo adakhazikitsa kukula kwa Medicaid.

Medicaid ndi Mayeso a Phindu

Malinga ndi kuyenera kopanda MAGI Medicaid, zonse zomwe mumapeza komanso katundu wanu zimakhala zogwirizana. Mapulogalamu ambiri a boma omwe amakuthandizani kuti mukhale ndi Medicaid amagwiritsa ntchito mayeso oyenerera.

SSI akuika muyezo. Ngati ndalama zanu ndi katundu wanu zili pamwamba pa mlingo winawake, simungayenere pulogalamuyi. Mu 2017, malire a malire aikidwa pa $ 2,205 pamwezi ndi malire a ndalama pa $ 2,000 kwa munthu aliyense.

MAGI Medicaid sichikuphimba chirichonse. Zosowa zanu zimakhala zokhudzana ndi Long-Term Services and Supports (LTSS), gawo la Medicaid limene limalipira chisamaliro cha nthawi yaitali m'nyumba yosungirako okalamba .

Sizinthu zonse zomwe muli nazo zidzawerengera za katundu wanu. Apa ndi pamene kudziwa pang'ono kungapite kutali. Ngati muli ndi katundu wambiri, muyenera kudutsa musanayambe kulandira Medicaid. Momwe mumagwiritsira ntchito pansi, komabe, n'kofunika chifukwa mungathe kulangidwa chifukwa cha mphatso zamtengo wapatali kapena kupititsa kwa miyezi 60 yapitayi.

Izi ndizozofunikira kwambiri kuziganizira, ngakhale mndandandawu uli kutali kwambiri ndi:

• Mabanki a banki ndi ndalama: $ 2,000 anu oyambirira ndi anu ndi anu okha. Medicaid ikhoza kuwerengera madola aliwonse pamwamba pa ndalamayi. Mwachitsanzo, ngati muli ndi $ 2,500 mu akaunti yanu ya banki, $ 500 zokha idzawerengera chuma chanu cha Medicaid.
• Ndalama za maliro ndi maliro: boma limapatsa ulemu wina ponena za imfa komanso kufa. Ndalama zomwe zimagwiritsidwa ntchito pokonzekera maliro kapena chikumbutso sizichotsedwa ku chuma chanu cha Medicaid. Izi zimaphatikizapo chiwembu chogulidwa kale , osati kwa inu komanso banja lanu. Ngati palibe kukonzekera kupangidwa pasadakhale, mabanki oposa $ 1,500 akhoza kusungidwa ndi maliro a maliro ndipo sadzawerengedwa ku chuma chanu cha Medicaid.
• Makampani a inshuwalansi: Sikuti inshuwalansi zonse zimapangidwa mofanana. Ndondomeko ya moyo wamasiku amodzi imapindula mukamwalira koma simungapindule ndi ndalama zomwe muli nazo mukakhala moyo. Mitundu ina ya ndondomeko-yotsimikizika, yapadziko lonse, yosinthika, kapena inshuwalansi yamoyo moyo wonse-kupeza ndalama mtengo panthawi. Awa ndi omwe Medicaid amatsogolera. Medicaid idzaphatikizapo mtengo wa inshuwalansi ya moyo kuposa $ 1,500 mu kuyesa kwao. Mwachitsanzo, ngati mtengo wamtengo uli $ 2,000, $ 500 zokha angayang'ane kumalo anu oyenerera.
• Malo: Nyumba yanu ndiyo chuma chanu chamtengo wapatali, koma sichingakhoze kuwerengera ku test test yako ya Medicaid. Malingana ngati momwe mukukhalira m'dera limene mumagwiritsa ntchito Medicaid ndipo mukukonzekera kubwerera kunyumba kwanu, imatetezedwa ku mtengo wa $ 560,000 ngakhale kuti mayiko ena adzalandira malire a $ 840,000. Zowonjezera katundu zingakhale zosiyana ndi mayeso oyenerera. Zimadalira ngati zida zinazo ndizofunikira pa chithandizo chanu, mwachitsanzo, zimapereka ndalama zomwe zilipo 6 peresenti ya katunduyo pachaka. Ganizirani za minda, katundu wogona, ndi zina zamalonda zamalonda m'deralo.
• Magalimoto: Ngati muli ndi galimoto, mutha kutsimikiza kuti Medicaid sichidzakugwirani, ziribe kanthu ndalamazo. Izi zingakhale ngakhale Lamborghini! Mukhozanso kuyendetsa galimoto yachiwiri yakale kuposa zaka zisanu ndi ziwiri, kupatula ngati ndi galimoto yabwino kwambiri kapena galimoto yachikale kapena yapamwamba kuposa wamkulu wa zaka 25.

Ngati mwakwatirana, mwamuna kapena mkazi wanu adzakhala ndi chiwerengero cha katundu wanu. Dziko lililonse liri ndi malamulo osiyana siyana momwe izi zingaperekere. Onetsetsani kuti muyang'ane ndi ofesi ya Medicaid yanu.

Kupindula ndi MAGI

The Affordable Care Act yathandiza kuchepetsa Medicare kulandira ndi kulembetsa kwa mamiliyoni ambiri a ku America. Kugwiritsira ntchito MAGI kuti muyenerere kunapangitsa kuti pulogalamuyi ikhale yosavuta. Udindo wotsogolera wa kutsimikizira kuti chuma chinali kuikidwa pamsewu. Mwatsoka, izi zinapangitsanso anthu olemera kuti azigwiritsa ntchito ndalama za okhomera msonkho.

Zikhulupirire kapena ayi, mamiliyoni amatha kulandira Medicaid pansi pano.

Izi zimapezeka chifukwa ambiri a America tsopano akuyenerera Medicaid kupyolera mwa MAGI, kupatula ngati mukufunafuna kusamalirako kwa nthawi yayitali sagwiritsa ntchito mayeso. Anthu omwe ali ndi chuma chambiri, makamaka omwe ali ndi malonda kapena malonda a nyumba, angathebe kukwaniritsa malingaliro a MAGI.

Wina akhoza kukhala ndi nyumba yokwana madola 840,000, Lamborghini, galimoto yachiwiri, maekala mazana a munda, ndipo adzalandira Medicaid. Amerika awa adzaonedwa kuti ndi olemera ndi miyezo iliyonse koma pobisa maukonde awo, ali ovomerezeka mwalamulo ku Medicaid kapena ndondomeko zothandizira kupyolera mu Health Insurance Marketplace . Izi ndizovuta ngakhale atatha kuphatika mosavuta mu chuma chawo kuti azilipira inshuwalansi ya umoyo.

Kwa pulojekiti yomwe ikukhudzidwa ndi osauka, izi ndizozunza kwambiri pulogalamuyi. N'zosadabwitsa kuti anthu akufunafuna kusintha kwa Medicaid.

Ndi GOP tikufuna kubwezera Obamacare, tikhoza kuyang'ana kusintha kwa MAGI Medicaid. Tibwereranso ku nthawi yomwe ndalama zanu ndi katundu wanu zimatsimikizira kuti ndinu woyenera.

Mawu Ochokera

Kuvomerezeka kwa Medicaid kungakhale nkhani yovuta. Kaya mumayesedwa ndi MAGI kapena zosafunika za MAGI, chuma chanu chidzafufuzidwa ngati mukusowa chithandizo cha kumidzi kwa nthawi yaitali. Zindikirani momwe chuma chanu chidzawerengedwere ndipo mutha kupeza njira zowatetezera m'tsogolomu.

> Zotsatira:

> Kuyenerera ndi Kulembetsa kwa Anthu Osati MAGI. Webusaiti ya State Health Reform Assistance Network. http://www.statenetwork.org/wp-content/uploads/2015/09/Eligibility-and-Enrollment-for-the-N--MAGI-Population-September-2015.pdf. Lofalitsidwa pa September 24, 2015.

> Kulingalira kwa Medicaid. Webusaiti ya Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/index.html.

> Kuchokera kwa Maderaid Kulowa Mipingo kwa Akuluakulu monga Mlili wa Nkhanza ya Umphawi Yachigawo. Webusaiti ya Henry J. Kaiser Family Foundation. http://www.kff.org/health-reform/state-indicator/medicaid-income-eligibility-limits-for-adults-as-a-percent-of-the-federal-poverty-level/. Idasindikizidwa pa January 1, 2017.

> Kumvetsetsa Zopeza Zowonjezera Zowonjezera SSI Resources - Edition 2017. Webusaiti ya Social Security Administration. https://www.ssa.gov/ssi/text-resources-ussi.htm.

> Kodi Kusinthidwa Kusinthidwa Phindu Lonse? Webusaiti Yopezera Mapulogalamu a M'kati. https://www.irs.com/articles/what-modified-adjusted-gross-income.