Ndizvo Zvakanakisisa Kuvaka Utano Hwakawanda Mari Dzakapinda Mubhadharo Yenyu Yekubhadhara
Kunyange zvazvo Medicare Chikamu A, iyo inosanganisira imwe yehutano hwechipatara, isingabhadhari (uchifunga kuti wakashanda muUnited States kwenguva yakakwana kuti uwane), ruzhinji rweMedarere ruzivo haruna rusununguko. Iwe uchabhadhara miriyamu yeMedareti B, uye yekuwedzera inshuwarisi kana zvirongwa zvemishonga.
Mukuwedzera, iwe uchange uine mari yekunze-in-pocket.
Paunofunga zvose izvi mairi inofungidzirwa kuti Medicare ichavhara chete 50-60 muzana yezvinodiwa zvehutano hwako. Uye, nekufamba kwenguva, ma-premium uye kunze kwe-pocket mari ichaenda.
Maitiro Avanhu Vanokanganwa Nezve Utano Hwakawanda Mari inodhura Mubhadharo Yadzo
Vakawanda vanouya kumusha, uye vanhu vachigadzirira kushanduka kubva kune vashandi, vakakanganwa bhajeti rehutano hwehutano pavanofungidzira mari yavo mukutora basa. Sei? Vashandi vavo vanowanzotora huwandu hwetabhi (kazhinji inenge 75 muzana) uye mari yakasara (inopera inenge inenge 25 muzana) inobva mubhadharo yavo. Vanofunga kuti vanoda chikamu chakafanana chekubhadhara pamusha chavanenge vachiri-asi vanokanganwa kuti ivo iye zvino vachave vane mhosva yekubhadhara mapeamamiro avo ezvehutano mune zvekuwedzera kunze kwemari.
Ndeapi Mhando Yehutano Hwokutanga Kwemari Uchawana?
Kune marudzi mana emakambani ekubhadhara utano hwemishonga iwe unogona kunge uine muhotera:
- Medicare Part B premium
- Medigap (inonzi Medicare Supplemental Insurance) kana Medicare Advantage Premiums (inonzi Medicare Part C)
- Medicare Chikamu D kutarisa (kushandiswa kwezvinodhaka)
- Mishonga yemainishuwarenzi yenguva refu
Pasi pane tsanangudzo pane imwe neimwe yezvinhu izvi:
- Medicare Chikamu B : Muna 2016 izvi zvinomhanya kudarika $ 120 pamwedzi, asi zvinokura apo mari yako inokwira. Kana ukaita zvakawanda, uchabhadhara zvakawanda.
- Kana iwe uchida inshuwarisi yezvikwereti zvisingafukidzwi neMedare inokosha iwe unotarisa kutenga mutemo weMedigap kana chirongwa cheMederal Advantage Plan, pamwe chete nemishonga yekurapa zvinodhaka.
- Kana iwe uine chirongwa cheMedigap, hazvikwanise kuvhara mari yekuita mazino, maonero uye kutarisirwa kweziso, zvichida kukusiya iwe nedzimwe mari huru, kunyanya kudiwa kwemazino.
- Kana une Medicare Advantage purogiramu inosanganisira mazino, maziso uye kutarisirwa kwameso, zvingasava nehuwandu hwehuwandu hwehutano hwekuchengetwa kwevanhu, izvo zvingangosiya iwe nemhuri yako nebhadharo yakakura inofanira kurwara kana chirwere chisingaperi.
- Medicare haina kufukidza huwandu hwenguva refu yekutarisira mari yaunogona kuwana. Kana iwe uchida kuvimbiswa une mari yekuvhara izvi, funga nezvekuchengetedza kwenguva yakareba inshuwarisi .
Saka kuwanda kwakadai uye kuenzaniswa kwei-ye-pocket zvinowedzera zvakadini?
Ndezvipi Zvikamu zveUtano Hwehutano Zvimwe Zvikwereti Unogona Kuwana?
Nokuda kwehuwandu hwehutano hwako hwehutano uye huri mune ramangwana edza hutachiwana hwehutano hwekutengesa mari yakawanda neHVS Financial.
Ndichishandisa iyi calculator, ndakati ndaiva mukomana, ane makore 65, uye inofungidzira mari yangu yepayimusi uye mari yekunze-in-pocket inenge madhora 4 500 pagore. Izvi zvinoreva kana iwe usina kuisa $ 375 pamwedzi mubhadharo yako yehutano hwekutarisira mari, iwe uchazviwana uri pfupi pamari.
Zvichidawo kuti mari iyi yekuchengetedza hutano ichakwira pane inowedzera kaviri kutengesa kwezvikwereti, izvo zvinoreva makore gumi mukutora mari iyo $ 375 pamwedzi inogona kunge iri pedo ne $ 675 pamwedzi (uchishandisa 6 muzana yehutengo hwekuwedzera).
Kune vakaroorana vakaroorana, unoda kudarika nhamba idzi. Ouch.
Chii Chaungaita Kuedza Kuderedza Kuwedzera Kweutano Hupenyu?
Ini ichangobva kutaura naDan McGrath, aimbova neHIVView Services, uye akapa mazano matatu ekubatsira kudzora kuwedzera kwehutano hwekutarisira.
1. Ramba Uine Utano
Ndiani anoda upenyu hurefu, husina kunaka? Tora mutero wekurapa kwako. Tsvakurudza. Bvunza mibvunzo.
Dhani aiva nemashoko anonakidza pamusoro pokugara wakagwinya. Zviviri zvakabatana neni:
- Wana daktari wemazino akanaka, uye enda uvaone iwo mwedzi mitanhatu. Utachiona hwehutano hunotarisa mumatomu ako kutanga. Chiremba wemazino anoteerera angatarisa chimwe chinhu nguva refu chiremba wako asati aita.
- Endai vasina shangu. Hungu, vasina shangu.
2. Gadzirisa Kuparadzana Mitero-Zvinobudirira
Dhani aivewo nemashoko akawanda anofungisisa pamusoro pekugadzirisa kugoverwa kwebhuku nenzira yakabhadhara mitero.
Kune vanobhadhara mari yakawanda (muna 2016 zvinoreva kusungirirwa nemari inotarisirwa ye $ 85k kana kupfuura, yakaroora pa $ 170k kana kupfuura), iyo yaunowedzera, inosimudzira premium premium yako B uye inowedzera mapurogiramu ako aMedarere D. Kana iwe ukashanda nemutengo wakanaka wemutero kana wekugadzirisa basa iwe unogona kushandisa mazano anotevera kuti utarisire kuparadzirwa kweimwe mitero zvinobudirira, uye zvinogona kuchengetedza miriyamu yako kubva pakukura zvakanyanya:
- Kugoverwa kubva kumabhuku eHSA, nhoroondo dzeRoth IRA kana kubva pamari yema inshurensi yehupenyu husingaverengeki mumutsetse unotarisa chikamu chokupedzisira chemishonga yako yeMedare Medicare Part B. Kubhadhara kubva kune reverse mortgage hakurevi kana.
- Mari inobviswa kubva kumakambani ezvokuchengetedza mari inowanzogadziriswa nemari yekurapa kwezvokurapa.
- Kubvira Roth IRA kuregererwa hazvirevi murairo iyo inogona kuwedzera premium premium yako B, kana iwe uine zviyero zvakawanda muzvidzidzo zvekare zveIRAs zvinoreva kuti iwe uchava nehuwandu hunokosha hwekugoverwa hudiki pane makore makumi manomwe uye kupfuura, uye iwe ungada kuti uone kuchinja chikamu cheIRA yako kuenda kuRoth usati wava kusvika kuzera remakore 65. Kunyanya, Dhani akati "Roth ndiyo inotakura motokari inotengeswa nevanhu". Ndinofanira kugara ndichibvumirana naye.
3. Usatora Kubviswa-Chengetedza
Kuwedzera kwehutano hwekurapa kuchave kuitika. Ita chinhu chekuyera mubhajheji yako kwavari. Kana ukaronga pakubvisa kare (tisati tasvika 65) tive nechokwadi chekuti unonzwisisa mari yekutakura mapeimisi ako ehutano yehutano kusvikira uchisvika Medicare age.