Izvo iwe zvaunofanirwa kuziva nezve Medicare shanduko gore rino

Kambani

Medicare chirongwa chinobhadharwa nehurumende cheinishuwarenzi chehutano kune avo vane makore makumi matanhatu nemashanu zvichikwira, uye vamwe vanhu vakuru vari pasi pemakumi matanhatu nemashanu vane hurema. Anofungidzirwa 15% yevaAmerica kutora chikamu muMedicare. Kunyangwe paine vanhu vazhinji vane Medicare, zvinogona kuve zvinonetsa kunzwisisa. Izvo hazvibatsire kuti zvimwe zvinhu zvechirongwa zvinowanzo shanduka gore negore. Heano e2020 Medicare shanduko iwe yaunofanirwa kuziva nezvayo.

2020 Medicare inochinja

Gore rino maprimiyamu emwedzi nemwedzi ari kusimukira kune vazhinji vanobatsirwa neMedare, kune vamwe vachakwira kusvika pa7%. Nzvimbo dzeMedare uye Medicaid Services , kana CMS, yakatsanangura kufunga uku shure kwayo: Kuwedzera kwechikamu chePrim B uye chinobviswa chinonyanya kukonzerwa nekukwira kwemari mukushandisa zvinodhaka-zvinopihwa nachiremba. Aya madhora epamusoro ane mhedzisiro uye anokonzeresa kumabhizimusi ePamusoro B echikamu uye anoderedzwa.

Hechino chiratidzo cheimwe shanduko huru muna 2020:

• Medicare Chikamu A uye Chikamu B maprimiyamu (kune avo anovabhadhara) akakwirira kune 2020.
• Medigap (kana Medicare Supplemental Inishuwarenzi) Chirongwa C uye Chirongwa F hazvichapiwi kune avo vachangowana mukana weMedare muna 2020.
• Mabhraketi emubhadharo eprimiyamu dzakakwira mari zhinji dzakagadziridzwa kuMedare Chikamu B uye Chikamu D . Aya mabhureki anokanganisa vangangoita 7% yeavo vanogamuchira Medicare. Kuti uone kana zvichikukanganisa, pane chati iripo pane webhusaiti yeCMS pano .
• Medicare iri kuvhara Chikamu Chikamu D chekuvhara, kana donut hole .
• Chikamu chitsva cheMedigap chirongwa chiri kuunzwa, Chirongwa G, yakakwira-inobviswa Medicare yekuwedzera chirongwa cheinishuwarenzi. Iyi nyowani yekuwedzera chirongwa chakanakira avo vasingatombodi kushanyira chiremba. Mune ino hurongwa, bhadhara yako yekunze-kwehomwe mutengo kusvikira iwe warova chinobviswa che $ 2,340. Mushure meizvi, yako yekuwedzera inishuwarenzi chirongwa chinobhadhara yako mamwe marapirwo ehutano asina kuvharwa neMedicare
• Yakagadziridzwa Medicare Chirongwa Finder chishandiso iri kuitwa.

Chii chinonzi Medicare chinodhura mu2020?

Heano kuputsika kwemitengo yeiyo shanduko:

• Chikamu A: Iyo Medicare Chikamu Chekutanga, kune avo vasina kukodzera kuwana-isina-Chikamu Chikamu A, chinobva pamadhora 252-458 pamwedzi zvichienderana nenhoroondo yebasa. Izvi zvinofananidzwa neiyo 2019 mwero we $ 240- $ 437. Mari inobviswa ndeye $ 1,408 panguva yekubatsirwa.
• Chikamu B: Medicare Chikamu B chekutanga uye iyo Medicare Chikamu B inobviswa zvese zviri kukwira muna 2020.
  • Iyo premium ichave yava $ 144.60 pachinzvimbo che $ 135.50.
  • Iyo inobviswa iri kukwira kusvika pamadhora 198 kubva pamadhora zana nemakumi masere neshanu.
• Chikamu C: Imwe shanduko yakanaka muna2020 ndeyekuti Medicare Advantage chirongwa chemaprimamu chinofanira kudzikira neavhareji ye 2. 3% kubva pamitengo ya2018. Ichi chichava chakaderera pane aya maprimiyamu anga ari mukati memakore gumi nematatu.
• Chikamu D: Kuti udzikise iyo Medicare yekuvhara mukaha-inozivikanwa zvakare seChikamu D chirongwa donut hole - iye anogamuchira izvozvi anofanira kubhadhara chete 25% yemishonga yavo yemushonga inodhura mushure meChikamu D kutanga nguva yekuvhara. Pakutanga, mugomba redonut, Medicare yaingovhara 56% uye munhu akafukidza yakasara 44%. Maprimiyamu anofungidzirwa kuti anotanga pamadhora makumi matatu eMedare Chikamu D, inozove iri yakaderera kwazvo kubva kubvira 2013.

Pane here zvimwe shanduko dziri kuuya kuMedare?

Izvi zvese shanduko dzinotarisirwa kuMedare muna 2020; zvisinei, zvinokwanisika kuti pachave nekumwe shanduko mumakore mashoma anotevera. Pave paine zvimwe zvinowedzerwa kuMedare nekuda kwekoronavirus, kusanganisira emahara emabara bvunzo eCOVID-19 uye kuwedzera kwenguva pfupi kubhadharwa kweMedare telehealth mabasa .

Kuti uone kana iwe uchikodzera kuenda kuMedare kana kuti uzive kuti riini kuvhura kunyoresa zvinoitika, SingleCare ine zvinyorwa zvakawanda zvinobatsira. Unogona kushandisa SingleCare neMedicare kubatsira kuchengetedza zvimwe pane zvekunyorerwa nemishonga, kunyangwe iri zita rezita kana zvinodhaka - asi haugone kuzvishandisa pamwechete. Unogona kuda kushandisa SingleCare kana mitengo yedu yakaderera pane mutengo weMedare; zvisinei, izvo zvinodhura hazvingatarise kune yako inobviswa.

VERENGA ZVINOTEVERA: Medicaid inochinja 2020