Medicare e tšehelitsoe joang: Ke mang ea lefang Medicare?

Litaba

• Medicare e tšehelitsoe joang ka lichelete?
• Medicare e bitsa bokae ka 2020?
• Litšenyehelo tsa Medicare Karolo ea A
• Litšenyehelo tsa Medicare Karolo ea B
• Litšenyehelo tsa Medicare Part C (Advantage)
• Litšenyehelo tsa Medicare Part D
• Litšenyehelo tsa Medicare Supplement (Medigap)
• Tsela

• Medicare e tšehelitsoe haholo-holo ke Federal Insurance Contributions Act (FICA).
• Makhetho a tsoang FICA a kenya letsoho ho lichelete tse peli tsa trust tse koahelang litšenyehelo tsa Medicare.
• Letlole la trust la Medicare Hospital Insurance (HI) le koahela litšenyehelo tsa Medicare Part A.
• Letlole la trust la Supplementary Medical Insurance (SMI) le akaretsa litšenyehelo tsa Medicare Part B le Karolo D.
• Litsenyehelo tse ling tsa Medicare li tšehelitsoe ka li-premium tsa moralo, phaello ea letlole la trust le lichelete tse ling tse amoheloang ke mmuso.

Medicare ke khetho ea 'muso ea inshorense ea bophelo bo botle e fanang ka litaba ho batho ba limilione ba MaAmerika ba lilemo li 65 le ho feta, hammoho le batho ba nang le maemo a itseng. Le ha merero e meng ea Medicare e phatlalatsoa e le "mahala," litšenyehelo tsa Medicare li etsa lidolara tse libilione selemo se seng le se seng.

Joale, ke mang ea lefellang Medicare? Medicare e tšehelitsoe ka lichelete tsa lichelete tse ngata tse lefelloang lekhetho, phaello ea letlole la trust, litefiso tsa bajalefa le chelete e eketsehileng e amoheloang ke Congress.

Sengoliloeng sena se tla hlahloba mekhoa e fapaneng eo karolo ka 'ngoe ea Medicare e lefelloang ka eona le litšenyehelo tse amanang le ho ingolisa morerong oa Medicare.

Medicare e tšehelitsoe joang ka lichelete?

Ka 2017, Medicare e koahetse bajalefa ba fetang limilione tse 58, 'me kakaretso ea litšenyehelo bakeng sa ho fana ka litaba tse fetang limilione tse likete tse 705.

Litsenyehelo tsa Medicare li lefelloa haholo-holo ke lichelete tse peli tsa trust:

• Letlole la ts'epo la Medicare Hospital Insurance (HI)
• Letlole la trust la Supplementary Medical Insurance (SMI)

Pele re kenella ka hore na e 'ngoe le e' ngoe ea lichelete tsena tsa ts'epo e lefella Medicare, re lokela ho utloisisa pele hore na li tšehelitsoe joang.

Ka 1935, ho ile ha etsoa molao oa Federal Insurance Contributions Act (FICA). Phepelo ena ea lekhetho e netefatsa lichelete bakeng sa mananeo a Medicare le Social Security ka lekhetho le lekhetho. Mona ke kamoo e sebetsang:

• Moputsong oa hau o felletseng, liperesente tsa 6.2 li bolokiloe bakeng sa Ts'ireletso ea Sechaba.
• Ntle le moo, liperesente tsa 1.45 tsa moputso oa hau o felletseng li boloketsoe Medicare.
• Haeba u hiriloe ke k'hamphani, mohiri oa hau o lekana le liperesente tsa 6.2 bakeng sa Ts'ireletso ea Sechaba le liperesente tsa 1.45 bakeng sa Medicare, ka kakaretso ea liperesente tsa 7.65.
• Haeba u sebetsa u le mong, u tla lefa karolo ea 7.65 lekholong ea lekhetho.

Lekhetho la liperesente tsa 2.9 bakeng sa Medicare le ea ka kotlolloho licheleteng tse peli tsa trust tse fanang ka tšireletso bakeng sa litšenyehelo tsa Medicare. Batho bohle ba sebetsang hona joale United States ba fana ka lekhetho la FICA ho tšehetsa lenaneo la hajoale la Medicare.

Mehloli e meng ea lichelete tsa Medicare e kenyelletsa:

• lekhetho le lefuoang lekhethong la Ts'ireletso ea Sechaba
• tsoala ho tsoa licheleteng tse peli tsa trust
• Chelete e amohetsoeng ke Congress
• Litefiso tse tsoang likarolong tsa Medicare A, B le D

The Letlole la ts'epo la Medicare HI haholo-holo e fana ka chelete bakeng sa Medicare Part A. Tlas'a Karolo ea A, bajalefa ba koaheloa bakeng sa litšebeletso tsa sepetlele, ho kenyeletsoa:

• tlhokomelo ea sepetlele sa bakuli
• tlhokomelo ea bakuli ba tlhabollo ea bakuli
• tlhokomelo ea setsi sa booki
• tlhokomelo ea bophelo malapeng
• tlhokomelo ea bakuli

The Letlōle la lichelete la SMI haholo-holo e fana ka chelete bakeng sa Medicare Karolo ea B le Medicare Karolo ea D. Tlas'a Karolo ea B, bajalefa ba fumana tšireletso bakeng sa litšebeletso tsa bongaka, ho kenyeletsoa:

• lits'ebeletso tsa thibelo
• lits'ebeletso tsa ho hlahloba
• lits'ebeletso tsa kalafo
• litšebeletso tsa bophelo bo botle ba kelello
• lithethefatsi le lingaka tse itseng tsa ngaka
• Lisebelisoa tsa bongaka tse tšoarellang
• liteko tsa bongaka

Lichelete tse peli tsa trust li boetse li thusa ho koahela litšenyehelo tsa tsamaiso ea Medicare, joalo ka ho bokella lekhetho la Medicare, ho lefella melemo, le ho sebetsana le linyeoe tsa bosholu le tlhekefetso ea Medicare.

Le ha Medicare Part D e fumana chelete ho tsoa ho letlole la li-trust tsa SMI, karolo ea chelete ea Medicare Part D le Medicare Advantage (Karolo C) e tsoa ho li-premium tsa bajalefa.Bakeng sa merero ea Medicare Advantage ka ho khetheha, litšenyehelo life kapa life tse sa lefelloeng ke lithuso tsa Medicare li tlameha ho lefuoa ka lichelete tse ling.

Medicare e bitsa bokae ka 2020?

Ho na le litšenyehelo tse fapaneng tse amanang le ho ingolisa ho Medicare. Mona ke tse ling tseo u tla li hlokomela morerong oa hau oa Medicare:

• Litefiso. Chelete ea pele ke chelete eo u e lefang ho lula u ngolisitse ho Medicare. Likarolo tsa A le B, tse etsang Medicare ea mantlha, ka bobeli li na le litefiso tsa khoeli le khoeli. Merero e meng ea Medicare Part C (Advantage) e na le phaello e arohaneng, ntle le litšenyehelo tsa pele tsa Medicare. Merero ea Karolo ea D le merero ea Medigap le eona e lefisa moputso oa khoeli le khoeli.
• Tse theotsoeng. Chelete e theoleloang ke chelete eo u e lefang pele Medicare e koahela lits'ebeletso tsa hau. Karolo A e na le theolelo ka nako ea melemo, athe Karolo ea B e theoleloa ka selemo. Merero e meng ea Karolo ea D le merero ea Medicare Advantage e nang le ts'ireletso ea lithethefatsi le eona e ka fokotsoa lithethefatsi.
• Li-copayments. Likoloto ke litefiso tsa pele-pele tseo u li lefang nako le nako ha u etela ngaka kapa setsebi. Merero ea Medicare Advantage, haholo-holo merero ea Health Maintenance Organisation (HMO) le Preferred Provider Organisation (PPO), e lefisa chelete e fapaneng bakeng sa maeto ana. Merero ea Medicare Part D e lefisa likopayment tse fapaneng ho latela meriana eo u e nkang.
• Ts'ireletso. Chelete ea inshorense ke liperesente tsa litšenyehelo tsa lits'ebeletso tseo u tlamehang ho li lefa ka pokothong. Bakeng sa Medicare Karolo ea A, kholiseho ea chelete ea tšepe e eketsa nako e telele ha u sebelisa litšebeletso tsa sepetlele. Bakeng sa Medicare Karolo ea B, kholiseho ea chelete ea tšepe ke palo e behiloeng ea liperesente. Medicare Karolo ea D e lefella chelete ea tšepe kapa ho lefella meriana ea hau.
• Li-maximum tse kantle ho pokotho. Merero eohle ea Medicare Advantage e beha sekoaelo sa hore na u tla sebelisa chelete e kae ka pokothong; hona ho bitsoa boholo ba kantle ho pokotho. Chelete ena e fapana ho latela moralo oa hau oa Molemo.
• Litšenyehelo tsa lits'ebeletso tse sa koaeloang ke moralo oa hau. Haeba u ngolisitse morerong oa Medicare o sa koaheleng litšebeletso tseo u li hlokang, u tla ba le boikarabello ba ho lefa litšenyehelo tsena ka pokothong.

Karolo ka 'ngoe ea Medicare e na le litšenyehelo tse fapaneng, joalo ka ha ho thathamisitsoe kaholimo. Hammoho le lichelete tse peli tsa trust tse hlophiselitsoeng karolo e ngoe le e ngoe ea Medicare, tse ling tsa litšenyehelo tsa khoeli le khoeli li thusa ho lefella litšebeletso tsa Medicare.

Litšenyehelo tsa Medicare Karolo ea A

Karolo ea A premium ke $ 0 bakeng sa batho ba bang, empa e ka ba holimo ho $ 458 ho ba bang, ho latela hore na u sebelitse nako e kae.

Karolo ea A e tlosoang ke $ 1,408 ka nako ea melemo, e qalang ha u amoheloa sepetlele ebe e fela hang ha u lokollotsoe matsatsi a 60.

Karolo ea A Assurance ea chelete ke $ 0 matsatsing a 60 a pele a ho lula sepetlele. Kamora letsatsi la 60, ts'ehetso ea hau ea lichelete e ka tloha ho $ 352 ka letsatsi matsatsi a 61 ho isa ho 90 ho isa ho $ 704 bakeng sa "pokello ea bophelo" matsatsi kamora letsatsi la 90. E ka ba ea fihla ho liperesente tsa 100 tsa litšenyehelo, ho latela bolelele ba lula.

Litšenyehelo tsa Medicare Karolo ea B

Karolo ea B ea B e qala ho $ 144.60 mme e eketseha ho latela boemo ba lekeno la hau la selemo le selemo.

Karolo ea B e ka huloang ke $ 198 bakeng sa 2020. Ho fapana le Karolo ea A e tlosoang, chelete ena ke ea selemo ho fapana le nako ea melemo.

Karolo ea B ea bocha ea chelete ke karolo ea 20 lekholong ea litšenyehelo tsa chelete ea hau e amoheloang ke Medicare. Ena ke chelete eo Medicare e lumetseng ho e fa mofani oa litšebeletso tsa hau tsa bongaka. Maemong a mang, o kanna oa ba le molato oa Karolo ea B e fetelletseng.

Litšenyehelo tsa Medicare Part C (Advantage)

Ntle le litšenyehelo tsa Medicare ea mantlha (likarolo tsa A le B), meralo e meng ea Medicare Advantage e boetse e lefisa litefiso tsa khoeli le khoeli ho lula li ngolisitsoe. Haeba u ngolisitse morerong oa Karolo ea C o koahelang litlhare tse fanoang ke ngaka, u kanna ua tlameha ho lefa mokoloto o theoleloang, likoloto le likoloto. Hape, o tla ikarabella bakeng sa litefiso tsa tefo ea tefo ha u etela ngaka kapa setsebi.

Litšenyehelo tsa Medicare Part D

Karolo ea Karolo ea D e fapana ho latela moralo oo u o khethang, o ka angoang ke sebaka sa hau le k'hamphani e rekisang moralo. Haeba u lieha ho ingolisa morerong oa hau oa Karolo D, moputso ona o ka ba holimo.

Karolo ea D e fokotsoang le eona ea fapana ho latela hore na u ingolisa ho morero ofe. Chelete e holimo e ka huloang eo leano lefe la Karolo D e ka u lefisang eona ke $ 435 ka 2020.

Ho lefshoa ha karolo ea D le ho fumana chelete ea tšepe ho its'etleha ka botlalo ho lithethefatsi tseo u li sebelisang ka har'a formulary ea moralo oa hau oa lithethefatsi. Merero eohle e na le formulary, e leng sehlopha sa meriana eohle eo moralo o akaretsang.

Litšenyehelo tsa Medicare Supplement (Medigap)

Litefiso tsa Medigap lia fapana ho latela mofuta oa tšireletso oo u kenang ho ona. Mohlala, merero ea Medigap e nang le batho ba seng bakae ho ingolisa le ho fana ka litaba tse ngata e ka bitsa chelete e fetang ea merero ea Medigap e koahelang hanyane.

Hopola feela hore hang ha o ingolisa morerong oa Medigap, tse ling tsa litšenyehelo tsa pele tsa Medicare li se li tla koaheloa ke moralo oa hau.

Tsela

Medicare e tšehelitsoe haholo-holo ka lichelete tsa trust, litefiso tsa khoeli le khoeli tsa bajalefa, lichelete tse amoheloang ke Congress le phaello ea letlole la trust. Likarolo tsa Medicare A, B, le D kaofela li sebelisa chelete ea trust fund ho thusa ho lefella litšebeletso. Tlatsetso ea Medicare Advantage e tšehelitsoe ka thuso ea litefiso tsa khoeli le khoeli.

Litšenyehelo tse amanang le Medicare li ka eketsoa, ​​ka hona ho bohlokoa ho tseba hore na o tla lefa eng ka pokothong hang ha o ingolisa morerong oa Medicare.

Ho reka bakeng sa merero ea Medicare sebakeng sa heno, etela Medicare.gov ho bapisa likhetho tse haufi le uena.