Momwe Mungagwiritsire Ntchito Ndalama Zanu Za Zaumoyo
Congress idalengeza Medicare ndalama za 2018. Aliyense, mosasamala kanthu za ndalama zawo, adzalandira ndalama zochuluka kuchokera kunja kwa ndalama. Gwiritsani ntchito manambalawa kuti mutsogolere ndalama zomwe mumagwiritsa ntchito m'zaka zatsopano.
Gawo A Zopambana
Medicare Part A ndi yopanda malire kwa 99 peresenti ya Achimereka. Izi ndi chifukwa chakuti anthu ambiri apereka ndalama kwa zaka zambiri ndi misonkho yogwira ntchito kwa Medicare ndi Social Security .
Ngati wina sanapereke ndalama zowonjezera makumi anayi (10) kapena zaka zambiri za Medicare msonkho, komabe iwo ayenera kulipiritsa ndalama za Medicare motere.
| Mipata ya Medicare Misonkho Imaperekedwa | Zosowa zanu 2018 | Sintha kuchokera mu 2017 |
|---|---|---|
| 40 peresenti kapena zina | $ 0 pamwezi | Palibe kusintha |
| 30-39 zoyambira | $ 232 pamwezi $ 2,784 pachaka | Kuwonjezeka kwa $ 5 pamwezi Kuwonjezeka kwa $ 60 pachaka |
| Osachepera 30 peresenti | $ 422 pamwezi $ 5,064 pachaka | Kuwonjezeka kwa $ 9 pamwezi Kuwonjezeka kwa $ 108 pachaka |
Ndikofunika kwambiri kugwira ntchito mpaka 40 peresenti ngati n'kotheka. Izi zikutanthawuza kuchepetsa kupuma kwanu mpaka mutagwira ntchito zokwanira za ntchito za federal. Ngati mutagwira ntchito 40 kapena kuposerapo, zingakupulumutseni madola masauzande ambiri mu gawo la A premium pa moyo wanu wonse. Izi zingakhudzire kwambiri kuti mumatha kupuma pantchito.
Uthenga wabwino ndi wakuti ngati simunagwiritse ntchito 40 peresenti, mukhoza kulandira malipiro a Gawo A kwaulere pogwiritsa ntchito mbiri ya ntchito ya mnzanuyo.
Izi zimagwiritsidwa ntchito ngati mutakwatirana kapena mukhala osakwatiwa mutatha kusudzulana ndi munthu amene mwakwatirana naye zaka 10. Mutha kukhala oyenerera kugwiritsa ntchito mbiri ya mwamuna kapena mkazi wanu ngati muli wamasiye. Lamulo lokha ndiloti musakhale osakwatiwa ndipo mudakwatirana ndi mwamuna kapena mkazi wanu kwa miyezi 9 musanamwalire.
Malamulo kwa anthu omwe akwatiranso akhoza kutenga pang'ono.
Chonde dziwani kuti ndalama zilizonse zomwe mumapeza "pansi pa tebulo" sizidzawerengera kuti mukuyenera kulandira kwaulere Gawo A premium popeza palibe msonkho wolembedwa.
Gawo A Zotsalira ndi Zopereka
Ndalama zachipatala komanso malo osungirako anzeru amadziwa , ndikudabwitsa kuti zikuwonjezeka. Amawonjezeka chaka chilichonse ndipo 2018 sizinali zosiyana. Kawirikawiri mlingo wapachaka wa chipinda chimodzi chapayekha ndi $ 6,692. Kwa chipinda chapadera, mtengo wake umapita ku $ 7,604. Ngati mumakhala ku Alaska, Connecticut, Hawaii, Massachusetts kapena New York akuyembekeza kulipira zambiri. Izi ndizimene zimakhala zodula kwambiri pa malo osungirako okalamba kunyumba. Alaska amatenga mphoto pa $ 23,451 pamwezi.
Chiwongoladzanja chokwera mtengo chimaperekedwa kwa chilolezo chilichonse chololedwa kuchipatala. Ndalamayi imaphatikizapo ndalama zonse mpaka masiku 60 kupatulapo madokotala omwe amalipira gawo la B. Pambuyo pa masiku makumi asanu ndi limodzi, mumalipiritsa ndalama zapadera pa tsiku lirilonse lomwe mwakhala muzipatala.
| Tsiku la Chipatala cha Inpatient Care | Zosowa zanu 2018 | Sintha kuchokera mu 2017 |
|---|---|---|
| Masiku operekera kuchipatala osakwanira 0-60 | $ 1,340 pa chipatala | $ 24 kuwonjezeka |
| Masiku opita kuchipatala osapatsirana 61-90 | $ 335 pa tsiku | $ 6 pa tsiku kuwonjezeka |
| Masiku osungirako mankhwala a chipatala 91+ | $ 670 patsiku | $ 12 pa tsiku kuwonjezeka |
Sipanakhalepo deductible kwa masiku 20 oyambirira a chisamaliro omwe analandira pa malo osungirako odwala omwe amakhala (SNF) mwamsanga pambuyo pa chipatala chokhazikika. Zinthu zingakhale zovuta pano chifukwa anthu ena amaikidwa pansi pa zochitika m'malo movomerezedwa ngati odwala. Kukhala kokha usiku mu chipatala sikumakupangitsani inu odwala matenda opatsirana.
| Tsiku la SNF Care | Zosowa zanu 2018 | Sintha kuchokera mu 2017 |
|---|---|---|
| Masiku SNF 0-20 | $ 0 | Palibe kusintha |
| Masiku SNF 21-100 | $ 167.50 patsiku | $ 3 pa tsiku kuwonjezeka |
| Masiku SNF 100+ | Ndalama zonse zomwe zimatulutsidwa m'thumba ndizopindula | Palibe kusintha |
Nkhani yoipa ndi yakuti Medicare salipira chisamaliro chomwe sichikugwirizana ndi chipatala.
Anthu omwe akusowa chisamaliro cha nthawi yaitali adzafunika kupeza njira ina yobweretsera nyumba yosungirako okalamba. Pachifukwachi, ambiri okalamba amafunikanso kulemba Medicaid .
Mawu ochokera
Ngati muli ndi mwayi, simukuyenera kugwiritsa ntchito Medicare Part A. Simungasowe kuzipatala, simungasowe malo osungirako odziwa bwino ntchito ndipo simudzasowa chithandizo cha chipatala . Pamapeto pake, ndikofunika kukhala ndi chithandizo ichi ngati mutayesetsa ndikudziwa kuchuluka kwake.
> Zotsatira:
> Home Nursing Ndalama ndi State. Skillednursingfacilities.org webusaitiyi.
> Gawo A ndalama. Webusaiti ya Medicare.gov.