Yintoni omele uyazi malunga neenguqu ze-Medicare kulo nyaka

Inkampani

I-Medicare yinkqubo ye-inshurensi yezempilo exhaswa ngurhulumente kwabo bantu baneminyaka engama-65 nangaphezulu, kunye nabantu abadala abangaphantsi kweminyaka engama-65 abakhubazekileyo. Uqikelelo Iipesenti ezili-15 zabantu baseMelika ukuthatha inxaxheba kwi-Medicare. Ngaphandle kwabantu abaninzi abane-Medicare, kusenokuba nzima ukuqonda. Akuncedi ukuba ezinye izinto zenkqubo zihlala zitshintsha unyaka nonyaka. Nazi iinguqu zika-2020 zeMedare ekufuneka uyazi ngazo.

Utshintsho kwiMedicare ka-2020

Kulo nyaka iipremiyamu zanyanga zonke ziyenyuka kubaxhamli abaninzi beMedicare, kwabanye baya kunyuka baye kwi-7%. Amaziko eMedicare kunye neeNkonzo zeMedicaid , okanye i-CMS, ichaze oku kuqiqa ngasemva kwayo: Ukwanda kweprimiyamu zeCandelo B kunye nokuncitshiswa ikakhulu kubangelwe kukunyuka kwenkcitho kumachiza alawulwa ngugqirha. Ezi ndleko ziphezulu zineziphumo ezibi kwaye zikhokelela kwiiprimiyamu eziphezulu zeCandelo B kunye nokuncitshiswa.

Nalu uqaqambiso lolunye utshintsho olukhulu ngo-2020:

• Amayeza e-Medicare Icandelo A kunye ne-Part B (kwabo bawahlawulayo) aphezulu kwi-2020.
• I-Medigap (okanye i-Medicare Supplemental Insurance) yesiCwangciso C kunye noCwangciso F azisabonelelwa kwabo basandula ukufumana ilungelo lokufumana iMedicare ngo-2020.
• Izibiyeli zengeniso zeepremiyamu ezinengeniso ephezulu ziye zahlengahlengiswa kwiCandelo B le-Medicare Icandelo D . Ezi zibiyeli ziya kuchaphazela malunga ne-7% yabo bafumana iMedare. Ukubona ukuba iyakuchaphazela, kukho itshathi ekhoyo kwiwebhusayithi yeCMS Apha .
• I-Medicare ivala isithuba sokugubungela iCandelo D, okanye umngxuma wedonathi .
• Udidi olutsha lwesicwangciso seMedigap lwaziswa, isiCwangciso G, isicwangciso seinshurensi esongezelelekileyo. Esi sicwangciso sitsha songezelelekileyo silungile kwabo kunqabile ukuba bafune ukutyelela ugqirha. Kwesi sicwangciso, hlawula iindleko zakho zokuphuma epokothweni de ubethe i-deductible ye- $ 2,340. Emva koku, isicwangciso sakho se-inshurensi yokuxhasa siza kukuhlawula ezinye iindleko zokhathalelo lwempilo ezingafakwanga yiMedicare
• Ukuhlaziywa Isixhobo soFumana isiCwangciso seMedare iyenziwa.

Ixabisa ntoni iyeza kwi-2020?

Nalu ulwahlulo lweendleko zolu tshintsho:

• Icandelo A: Inxalenye ye-Medicare Part A premium, yabo bangakulungelanga ukungenelwa kwiCandelo A, iya kuvela kwi-252-458 ngenyanga ngenyanga kuxhomekeke kwimbali yomsebenzi. Oku kuthelekiswa nenqanaba le-2019 le- $ 240- $ 437. Iindleko ezitsalwayo yi- $ 1,408 ngexesha ngalinye lesibonelelo.
• Icandelo B: I-premium ye-Medicare Part B kunye ne-Medicare Part B deductible zombini zikhula ngo-2020.
  • Ipremiyamu ngoku iya kuba yi- $ 144.60 endaweni ye- $ 135.50.
  • Ukuxhuzulwa kunyuka kuye kwi-198 yeedola.
• Icandelo C: Olunye utshintsho oluqinisekileyo ngo-2020 kukuba iipremiyamu zesicwangciso seMedare esiSebenzayo kufuneka zehle ngomndilili 2. 3% ukusuka kumaxabiso e2018. Le iya kuba yeyona iphantsi kwezi premiums bezikwiminyaka engaphezu kwe-13.
• Icandelo D: Ukunciphisa isithuba sokugubungela i-Medicare-ekwabizwa ngokuba sisiCandelo D sokucwangcisa umngxunya-umamkeli ngoku kufuneka ahlawule kuphela iipesenti ezingama-25 zeendleko zamachiza amiselweyo emva kwexesha lokugubungela iCandelo D. Ngaphambili, kumngxunya wokunikela, i-Medicare yagubungela ama-56% kuphela kwaye umntu ngamnye wagubungela i-44% eseleyo. Iimali-mali ziqikelelwa ukuba ziqale kwi- $ 30 ye-Medicare Icandelo D, eya kuba yeyona iphantsi ukusukela ngo-2013.

Ngaba lukhona olunye utshintsho oluzayo kwiMedare?

Lonke olu lutshintsho olulindelekileyo kwi-Medicare ngo-2020; Nangona kunjalo, kunokwenzeka kakhulu ukuba kuya kubakho utshintsho ngakumbi kule minyaka imbalwa izayo. Kukho izinto ezongeziweyo kwi-Medicare ngenxa ye-coronavirus, kubandakanya iimvavanyo zaselebhu zasimahla ze-COVID-19 kunye nokwandisa okwethutyana intlawulo yeMedare Iinkonzo zononophelo lwempilo .

Ukujonga ukuba uyakulungela na ukufumana unyango okanye ukufumanisa ukuba nini ukubhalisa okuvulekileyo kwenzeka, i-SingleCare inamanqaku amaninzi aluncedo. Unokusebenzisa Unonophelo olulodwa kunye neMedicare ukunceda ukugcina okungakumbi kugonyo lwamachiza amiselweyo, nokuba ligama lophawu okanye amayeza enziwe afana nalawo enziwe ngumenzi - kodwa awunakho ukuzisebenzisa kunye. Unokufuna ukusebenzisa i-SingleCare ukuba amaxabiso ethu aphantsi kunexabiso leMedare; Nangona kunjalo, ezo ndleko aziyi kubalelwa ekutsalweni kwakho.

FUNDA OKULANDELAYO: Utshintsho lweMedicaid ngo-2020