Chikamu A Zvichida Zviripo asi Unobhadhara Mutero weMwedzi weChikamu B
Kwemakore ose ekushanda kwako, iwe wakabhadhara muMedare. Zvechokwadi, 1.45 kubva muzana yekutarisa kwako kuenda kuMedare uye iwe waunoshandira anopa imwe 1.45 muzana. Kana iwe uri woga, iwe unobhadhara yose 2.9 muzana. Zvinosuruvarisa, kurega basa hakurevi kuti iwe unorega kubhadhara muMedare. Chikamu A chakasununguka kune vanhu vazhinji, asi zvikamu B neD D zvinouya pamutengo. Ngatitarise pamutambo wemari weMedricare Part B.
Usakanganwa Kuisa
Tisati tatarisa mari yacho, heino shoko renyevero: Iva nechokwadi chokuti iwe unyorera Medicare Part B apo iwe unosvitsa 65.
Social Security inokurudzira kunyora kusvika kumwedzi mitatu isati yazvarwa kwako 65. Kana iwe usingaregi pakunyoresa kwekutanga-mwedzi mitatu isati yapera mwedzi mitatu mushure mokunge mava nemakore makumi matanhatu nemashanu, iwe ungatofanira kubhadhara mari yekuregererwa kunyoresa.
Chikamu B Mari
Yeuka kuti 1.45 kubva muzana kana 2.9 muzana Medicare yakabviswa iwe uchikumbira kubhadhara kwemakumi emakore? Iko kunobatanidzwa Chikamu A asi Chikamu B chinouya nebhadharo yemwedzi wega yega inobviswa kubva kune yako Social Security inobatsira. Kana iwe usingawani Social Security kana zvimwe zvakabatsirana, Medicare inotumira bhiri.
Mutengo wepurogiramu wegore roga roga wegore ra2018 uri $ 134 asi premium inobva pane mari. Zvingaita kuti iwe ubhadhara zvishoma zvishoma zvakare.
High Income Earners
Hurumende yehurumende inobhadhara anenge 75 muzana yemari yeChitamende B, ichisiya munhu ane 25 muzana chete yemari. Kune vanhu vanoita mari yakakwirira , vachabhadhara chikamu chikuru-35 muzana, 50 muzana, 65 muzana, kana 80 muzana zvichienderana nemari yavo.
Social Security inoshevedza iyo iyo, "mari inoshandiswa pamari yekugadzirisa mwedzi." Usanetseka, kunyange-Social Security inofungidzira kuti 5% chete yevashandi vose veMedarera vachabhadhara kupfuura $ 134. Kana uri kubhadhara chikamu chepamusoro cheChikamu B, chiitarise sechinetso chakanaka.
Kuti uone kana iwe uchizobhadhara mari yakawedzerwa, Social Security inotarisa yako inowanikwa mushure mutsva pafaira ne IRS.
Kana iwe wakaroorana, kuisa pamwe chete iwe uchatanga kubhadhara zvikwereti zvepamusoro zveChikamu B apo yako shandurwa yakachinjwa mari yakawanda inopfuura $ 170,000. Kana iwe ukakanda mitero yako uchishandisa nzvimbo yakasiyana, nhamba yako yemashiripiti inokwana $ 85,000. Kana iwe ukaita pakati pe $ 170,000 uye $ 214,000 kana $ 85,000 kusvika pa $ 107,000, mubayiro wako uchava $ 187.50 pamwedzi.
$ 214,000 kusvika ku $ 267,000 kune vakaroorana vanyoresana pamwe chete kana $ 107,000- $ 133,500 vane chinzvimbo chakasiyana, iwe uchabhadhara $ 267.90
Kana iwe newawakaroorana naye muchibvumirano muchiwana $ 267,000 kusvika $ 320,000 kana iwe uine pasi pechirume chakasiyana uye uwane $ 133,500 kusvika $ 160,000, mwedzi wako wepamwedzi ndeye $ 348.30
Pakupedzisira, kana iwe wakaroorana uchisungira pamwe chete uye uchiita zvinodarika $ 320,000 kana kuti uchida kuita $ 160,000 pagore, kutanga unofadza, uye iwe unotora $ 428.60 pamwedzi.
Zvinogona zvakare kuti iwe unogona kubhadhara zvishomanana kudarika $ 134 asi kwete zvakawanda. Kuchengetedzwa kwehupfumi kwevanhu kunoti vanhu vanowana kubhadhara vachabhadhara mari inenge madhora 4 pasi pamwedzi. Bata Social Security kuti uwane mamwe mashoko.
Unogona Kukopa Here?
Hongu unokwanisa. Kana iwe usingabvumirani neChishanu Security yekutsvaga kwepamu yako yepamwedzi, unogona kukwezva. Nzira iri nyore yekuisa chikwata ichi paIndaneti. Iwe unogonawo kukwidza mukunyora kana kushanyira hofisi.
Deductibles
Kufanana neinishuwarenzi yemitemo, iwe unofanirwa kubhadhara imwe chiyero mushure me inshuwarti inokwidza mu-inonzi deductible. Ne Medicare Chikamu B , iwe unotsvaga ndeye $ 183 chete gore negore. Mushure meizvozvo, iwe unowanzobhadhara 20 kubva muzana yemari yaMedare-inogamuchirwa nekuwanda kwechiremba, kushandiswa kurapwa, uye zvimwe zvipirwo zvekurapa. Ndokusaka Medicare Chikamu B inowanzonzi, "inshuwarisi yepachipatara."
BEWARE!
Izwi re deductible rakadzika uye 20 muzana nhamba yakanaka kwazvo asi pane kukosha kwakakosha-hakuna kapu pane iyoyo 20 muzana. Iwe ungangodaro wakanga uine inshuwarisi kuburikidza nemushandi wekare apo iwe waibhadhara 20 kubva muzana yemari kusvika kune imwe yero uye mushure mekunge iwe usina kubhadhara chinhu. Nechirongwa cheMedare, hapana chikwata pane 20 muzana. Izvi zvinogona kureva chikwereti chikuru kwazvo zvichienderana nekurapa kwako.
Medicare Kubatsira uye Medigap
Nemhaka yekuti Medicare yemazuva inokwanisa kukusiya iwe nepamusoro-soro kubva mune zvehomwe mari, vanhu vazhinji vanosarudzwa kunyoresa mumutambo we Medicare Advantage kana kuti Medigap . Iyi ndiyo mitemo kuburikidza nemamwe makambani einishuwarenzi ayo anowedzera Medicare kubhadhara kune imwe mari yepamwedzi yepamwedzi. Mari yacho inobva pane chirongwa chako chakasarudzwa. Zvikamu A uye B, uye dzimwe nguva Chikamu D chinosanganiswa kuva chimwe chezvirongwa izvi, dzimwe nguva chinonzi Chikamu C.
Inyanzvi yeInishuwarenzi inowanzokurudzira kubhadhara kupararira kune chigadzirwa nemari yemari inoparadza mabhizimisi ekurapa iyo yeMedare yemagariro haina kuvhara.