Mitundu 4 ya zilango za Medicare – ndi momwe mungapewere

Mayi wina wachikulire anadabwa kwambiri ndi Bill
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Kupeza mwayi wopita ku Medicare patatha zaka zambiri ndikukankhira m’dongosololi kungamve ngati “adachita bwino.” Komabe, mukangoyamba kulandira zopindulitsa za Medicare, ndikofunikira kumvetsetsa kuti pali mawu ndi zikhalidwe.

Mukapanda kulabadira malamulo ena, mutha kulipira chindapusa – ndipo zilango zina zimakhala ndi zotsatira zokhalitsa. Izi ndi zomwe muyenera kudziwa za zilango zosiyanasiyana za Medicare ndi momwe mungapewere.

1. Chilango cha zopereka za HSA pambuyo pa Medicare

Munthu wopuma pantchito wosakondwa
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Mukakwanitsa zaka 65 ndikulembetsa ku Medicare, simungathenso kupereka zopereka ku akaunti yosungira thanzi (HSA). Mukalandira Medicare, malire anu a zopereka ndi $ 0; Chilichonse choposa pamenepo chimatengedwa ngati chopereka chowonjezera.

Ngati muli ndi chopereka cha HSA chochulukirapo, mutha kulipidwa misonkho ndi chilango:

  • Muyenera kuphatikizira kuchuluka kwa ndalama zomwe mwapereka ku ndalama zonse zomwe mumapeza pa msonkho wanu wamisonkho ndikulipira msonkho pamtengowo.
  • Msonkho wa 6% umaperekedwa ngati chilango pa ndalama zomwe zaperekedwa.

Ndizotheka kupewa 6% ya msonkho wosalunjika ngati mutachotsa zopereka zanu ndi ndalama zochulukirapo ndikuziwonjezera pazopeza zanu pa fomu yanu yamisonkho. Muyenera kuchita izi tsiku la msonkho lisanafike. Zomwe mwapeza kuchokera pazopereka zanu zochulukirapo ziyenera kufotokozedwa pamakalata anu amisonkho ngati “Zopeza Zina.” Muyenera kulipirabe msonkho wa ndalamazo, koma mumapewa msonkho wa msonkho.

Momwe mungapewere chindapusa cha HSA

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Samalani pamene mukuyenera kulandira Medicare Part A komanso mukalembetsa. Ngati mumalembetsa ku Medicare panthawi yoyamba yolembetsa (nthawi yomwe imaphatikizapo miyezi itatu musanakwanitse zaka 65 kupyolera mu miyezi itatu mutakwanitsa zaka 65), muyenera kupereka chopereka chanu chomaliza ku HSA mwezi usanafike zaka 65. Mwakutero, mukhoza Kupewa chilango. N’zothekanso kupewa chilango ngati mupereka chopereka chanu chomaliza ku HSA mwezi umodzi musanakwanitse zaka 65 ngati mutalembetsa mkati mwa miyezi iwiri nthawi yoyamba yolembetsa itatha.

Zinthu zimakhala zovuta kwambiri ngati mudikirira kulembetsa ku Medicare. Ngati mwaganiza zolembetsa mutakwanitsa zaka 65, muli ndi njira ziwiri kuti mupewe chilango, kutengera nthawi yomwe mudikirira:

  • Pasanathe miyezi isanu ndi umodzi atakwanitsa zaka 65: Letsani zopereka zanu za HSA mwezi usanafike zaka 65.
  • Osachepera miyezi isanu ndi umodzi atakwanitsa zaka 65: Imitsani zopereka zanu za HSA miyezi isanu ndi umodzi musanapemphe Medicare.

Monga mukuwonera, zopereka za HSA zitha kukhala zovuta ngati mukuyenerera Medicare. Njira yabwino yopewera chilango ndikuonetsetsa kuti mwapereka zopereka zanu zomaliza mwezi usanafike zaka 65 ndikumvetsera nthawi yanu yolemba.

2. Chilango cholembetsa mochedwa mu Medicare Part A

Banja lakale lomwe silikusangalala ndi misonkho
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Medicare Part A nthawi zambiri imadziwika kuti inshuwaransi yachipatala. Zimakhudza kugona m’chipatala, unamwino waluso, ntchito zina zachipatala zapakhomo ndi malo osamalira odwala.

Mukuyembekezeka kulembetsa ku Medicare Part A mukakhala oyenerera nthawi yolembetsa. Pokhapokha pazochitika zina, monga kupitiriza kugwira ntchito ndi kupeza chithandizo cha inshuwaransi yazaumoyo motere, mutha kupatsidwa chilango cholembetsa mochedwa ngati muphonya nthawi imeneyo.

Ndi Medicare, simumangolipira nthawi imodzi ndikupitilira. M’malo mwake, chilango chanu chimatsimikiziridwa ndi momwe mwachedwera polembetsa. Ndi Medicare Part A, chilango cholembetsa mochedwa chikhoza kuwonjezera 10% pamalipiro anu a mwezi uliwonse. Mumalipira chilangochi mwezi uliwonse kuwirikiza kawiri chiwerengero cha zaka zomwe simunapereke pa nthawi yomwe muyenera kukhala nayo.

Mwachitsanzo, ngati simunalembetse ku Medicare Part A mpaka chaka mutayenerera, mudzalipira chilango cha zaka ziwiri.

Momwe Mungapewere Gawo A Chilango Cholembetsa Mochedwa

Wosangalala wapenshoni atagwira ndalama zake
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Onetsetsani kuti mwalembetsa ku Medicare Part A panthawi yoyamba yolembetsa. Simuyenera kuda nkhawa ndi chilango ngati mutalembetsa mukakhala oyenerera. Mukhozanso kuyang’ana kuti muwone ngati mukuyenerera kulembetsa nthawi yapadera. Dziwani nthawi yolembetsa isanathe kuti mukhale okonzeka.

3. Chilango cha kulembetsa mochedwa mu Medicare Part B

Mabanja akuluakulu osakondwa
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Medicare Part B idapangidwa kuti ikhale ya madotolo ndi akatswiri ndipo imakhudza chisamaliro cha odwala kunja ndi chisamaliro chapakhomo. Mosiyana ndi chilango cha Medicare Part A, chomwe chili ndi tsiku lotha ntchito, chilango cha Medicare Part B nthawi zambiri chimakhala chilango cha moyo wonse.

Chilango cha 10% chimawonjezedwa ku premium yanu chaka chilichonse chomwe muyenera kulembetsa ku Medicare Part B koma simunatero. Ngati muli ndi ndalama zambiri, mukhoza kukhala ndi malipiro apamwamba, zomwe zimapangitsa kuti chilangocho chikhale chachikulu.

Mwachitsanzo, ngati mudikirira zaka ziwiri kuti mulembetse ku Medicare, mutha kuwona kuchuluka kwa gawo B lanu ndi 20%. Kuwonjezeka uku kumakhalabe ndi premium yanu kwa moyo wanu wonse.

Momwe mungapewere chilango cha Gawo B mochedwa

Munthu wokondwa ali ndi banki ya nkhumba
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Dziwani nthawi yanu yolembetsa ndipo lembani munthawi yake. Pewani kulembetsa mochedwa, kapena fufuzani ngati mukuyenerera kulembetsa nthawi yapadera kuti mupewe kulipira chilango.

4. Chilango cha kulembetsa mochedwa mu Medicare Part D

Nkhawa yaikulu pa chikalatacho
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Medicare Part D, chithandizo chamankhwala choperekedwa ndi dokotala, ndi gawo lina lachiwonetsero. Mukuyembekezeredwa kulowa nawo Medicare Part D mukalembetsa ku Medicare. Ngati simunalembetse, mudzakumana ndi chilango chowonjezera 1% pamtengo wanu pamwezi uliwonse womwe mulibe chithandizo. Izi zimabweretsa chilango chofikira 12% pachaka.

Mukamagwira ntchito nthawi yayitali popanda kulembetsa, ndiye kuti chilangocho chimakwera. Chilango chanu chikugwira ntchito malinga ngati muli ndi Medicare Part D, ngakhale mutasintha ndondomeko ya mankhwala.

Momwe mungapewere chilango cha Part D mochedwa

Mayi akumwetulira ali ndi banki ya nkhumba
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Kutengera momwe zinthu ziliri, simungafunikire kulembetsa ku Medicare Part D ndipo mutha kupewa chilango. Zinthu ziwiri zazikulu zomwe zimakulolani kupeĊµa chilango ndi:

  • Muli ndi chithandizo chamankhwala chofanana ndi Medicare Part D.
  • Mukuyenera kulandira thandizo lina kudzera mu Medicare.

Ngati simukukwaniritsa izi, mutha kupewa chilango cha Medicare Part D posankha dongosolo lamankhwala mukalembetsa ku Medicare.

Ngati simukugwirizana ndi gawo D chilango

Wopuma pantchito wosasangalala
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Ngati munalandira kalata yosonyeza kuti Chilango cha Kulembetsa Mochedwa Part D chinaperekedwa, koma mukukhulupirira kuti sichingayende bwino ndipo simuyenera kulipiritsidwa, mukhoza kupempha kuti chiwunikenso. Muyenera kupempha kuwunika kwanu mkati mwa masiku 60 kuchokera tsiku la kalata yanu yabwino.

Kalata yanu idzabwera ndi fomu yofunsiranso kuti mudzaze. Lembani ndi kutumiza zikalata zotsimikizira momwe mulili, monga umboni wa dongosolo lodalirika lamankhwala lomwe mulipo m’malo mwa Medicare Part D.

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