Momwe Mungagwiritsire Ntchito Ndalama Zanu Za Zaumoyo
Gawo B ndilo lomwe limaphatikizapo kuchuluka kwa ndalama zomwe mumagula. Zindikirani kuchuluka kwa ndalama zomwe mungapeze mu thumba ndi bajeti kwa chaka chotsatira.
Gawo B Lotsalira
Chaka chodziwika pachaka cha gawo B ndi $ 183 mu 2018, chosasintha kuchokera mu 2017. Mukuyenera kulipira ndalama zonse zomwe mungagwiritse ntchito kuti Medicare isayambe kulipira ndalama zanu.
Gawo B Mapwando
Mumalipira mwezi uliwonse kwa Medicare.
Ngati simukulipira malipiro anu panthaŵi yake, momwe mungayankhire mutha kuchotsedwa. Mukupatsidwa nthawi ya chisomo cha masiku 90 kuti muthe kulipira musanayambe kufotokozera gawo la B B.
Mu 2018, zigawo za B B premium zimakhala zofanana pa mabotolo asanu.
Chimene chasintha ndi mabotolo opeza okha. Anthu ambiri akhoza kudabwa kuona kuti akulipira ndalama zambiri. Mabotolo awiri oyambirira akukhalabe osasinthika, ndipo kugunda kwa maulendo akukwera mtengo kukukonzekera iwo omwe ali ndi ndalama zambiri.
* Dziwani kuti mabotolo a ndalama akuchokera kumapeto kwa msonkho wanu womaliza. Kwa 2018, chonde onetsani kufotokoza kwanu 2016.
2018 Gawo B Mapwando kwa Anthu onse
Zomwe anthu amapeza pakhomo la anthu adachepetsedwa ndi $ 54,000 pachaka.
| Gulu la Zopeza mu 2018 | Gulu la Zopeza mu 2017 | Ndalama Zanu |
| Zosakwana $ 85,000 | Zosakwana $ 85,000 | $ 134.00 pamwezi |
| $ 85,000 - $ 107,000 | $ 85,000 - $ 107,000 | $ 187.50 pamwezi |
| $ 107,000 - $ 133,500 | $ 107,000 - $ 160,000 | $ 267.90 pamwezi |
| $ 133,500 - $ 160,000 | $ 160,000 - $ 214,000 | $ 348.30 pamwezi |
| Zoposa $ 160,000 | Zoposa $ 214,000 | $ 428.60 pamwezi |
Ngati mudalandira $ 134,000, mukanakhala mutapereka $ 267.90 pamwezi mu 2017 koma mutha kulipira $ 348.30 mwezi uliwonse mu 2018, $ 965 pachaka. Ngati mudalandira $ 161,000, mukanakhala mutapereka $ 384.30 pamwezi mu 2017 ndi $ 428.60 mu 2018, $ 964 pamwezi.
2018 Gawo B Mapwando kwa Okwatirana
Zomwe ndalama zopezera ndalama kwa anthu okwatirana zatsika ndi $ 108,000 pachaka.
| Gulu la Zopeza mu 2018 | Bracet Yopeza mu 2017 | Ndalama Zanu |
| Osachepera $ 170,000 | Osachepera $ 170,000 | $ 134.00 pamwezi |
| $ 170,000 - $ 214,000 | $ 170,000 - $ 214,000 | $ 187.50 pamwezi |
| $ 214,000 - $ 267,000 | $ 214,000 - $ 320,000 | $ 267.90 pamwezi |
| $ 267,000 - $ 320,000 | $ 320,000 - $ 428,000 | $ 348.30 pamwezi |
| Zoposa $ 320,000 | Zoposa $ 428,000 | $ 428.60 pamwezi |
Ngati mwamuna ndi mkazi adapeza $ 268,000, mukanakhala mutapereka $ 267.90 mwezi uliwonse mu 2017 koma mutha kulipira $ 348.30 mwezi uliwonse mu 2018, $ 965 pachaka. Ngati mudalandira $ 321,000, mukanakhala mutapereka $ 384.30 pamwezi mu 2017 ndi $ 428.60 mu 2018, $ 964 pamwezi.
2018 Gawo B Mapwando kwa Anthu Okwatiwa Akuyesera monga Anthu
Chikwama chonse chopeza ndalama chinachotsedwera kuti anthu okwatirana azilemba aliyense payekha. Mulipira ndalama pamwamba kapena pansi pa $ 85,000.
| Gulu la Zopeza mu 2018 | Gulu la Zopeza mu 2017 | Ndalama Zanu mu 2018 |
| Zosakwana $ 85,000 | Zosakwana $ 85,000 | $ 134.00 pamwezi |
| Zoposa $ 85,000 | $ 85,000 - $ 129,000 | $ 428.60 pamwezi |
| Kuposa $ 129,000 |
Mu 2017, mukanalipiritsa $ 348.30 pamwezi ngati ndalama zanu zinali $ 86,000. Nambalayi yawonjezeka kufika pa $ 428.60, yowonjezeranso $ 964 pamwezi. Ngati akadapanda munthu mmodzi, mungakhale mutapereka $ 187.50 pamwezi. N'zomvetsa chisoni kuganiza kuti munthu akhoza kulipira pang'ono ngati atasudzulana m'malo molekana.
Mwanjira iyi, munthu wokwatira ndiye amene ali pangozi kwambiri.
Gawo B P Premiums ndi Social Security
Simungathe kuyembekezera kupereka ndalama zambiri kwa Medicare ngati kulibe kuwonjezeka kwa Social Security phindu. Wogwira ntchito zopanda pake amatchinjiriza anthu otetezeka a Social Security kuchokera kumalipiro apamwamba ngati akukwaniritsa zofunikira zina.
- Muli ndi ufulu wopindula ndi Social Security mu November chaka chatha.
- Mapulogalamu anu a Medicare Part B adachotsedwa mwachindunji ku kafukufuku wanu wa Social Security kuyambira November chaka chatha mpaka chaka cha Januari chaka chino.
- Ndalama zonse zotetezera chitetezo cha moyo (COLA) zowonjezera sizingakwanire kuti ndalama zowonjezereka ziwonjezeke.
- Muli m'gulu lotsika kwambiri.
The Social Security COLA ya 2018 ndi 2 peresenti. Popanda kuonjezera ndalama zowonjezerapo kwa ndalama zochepa kwambiri, mumayenera kulipira mlingo womwewo. Mu 2017, ndalama ya COLA inali yokwana 0.3%, osakwanira kuti awononge mtengo wa kuwonjezeka kwapadera chaka chino. Odala omwe anakumana ndi zomwe zili pamwambazi analoledwa kulipira ndalama zokwana madola 121.80 pa mwezi 2016 Part B.
Kwa iwo omwe ali oyenerera , Medicaid adzalipira malipiro awo a Medicare. Adzapatsidwa chiwerengero chapamwamba cha Gawo B premium.
Gawo B Premium ndi Medicare Zopindulitsa
Mungasankhe kukhala ndi Medicare Yoyamba (Gawo A ndi B) kapena ndondomeko ya Medicare Advantage (Gawo C) . Malinga a Medicare Advantage amaperekedwa ndi makampani a inshuwalansi zapadera ndipo adzaphimba chirichonse chomwe Original Medicare chimapereka ndi zina.
Ngakhale mutasankha ndondomeko ya Medicare Advantage ndikulipiritsa ndalama ku kampani ya inshuwalansi, mukuyenera kulipira malipiro a Part B ku boma. Muyenera kuganizira ndalama zomwezo.
Gawo B Coinsurance
Chigawo B chitsimikizo sichinasinthe. Medicare amapereka 80 peresenti ndipo mumalipira 20 peresenti kupatulapo mayesero owonetsetsa. Malingana ngati dokotala akulandira gawo , mayesero anu owonetsetsa adzamasulidwa.
Mawu ochokera
Zambiri zaumoyo wanu zidzalipiridwa ndi Medicare Part B. Momwemonso, zambiri mwa ndalama zomwe mumagula zidzakhudzana ndi Medicare Part B. Kudziwa zomwe mukuyenera kulipilira ndalama za deductibles, premium, ndi coinsurance mu 2018 kudzakuthandizani kukonza bajeti moyenerera.
> Zotsatira:
> Ndalama Zosintha Zamoyo (COLA) Information for 2018. Social Security Administration. https://www.ssa.gov/news/cola/
> Part B ndalama. Webusaiti ya Medicare.gov. https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html.