Pehea e uku kālā ʻia ai ʻo Medicare: ʻO wai e uku no Medicare?

Anter

• Pehea e loaʻa kālā ai ʻo Medicare?
• Ehia nā kumukūʻai Medicare ma 2020?
• ʻO nā kumukūʻai Medicare Part A
• ʻO nā koina Medicare Part B
• ʻO ka Medicare Part C (Advantage) nā kumukūʻai
• ʻO nā koina Medicare Part D
• ʻO ke kumu kūʻai Medicare (Medigap)
• ʻO ka lawe lawe ʻana

• Hāʻawi kālā nui ʻia ʻo Medicare ma o ke kānāwai Insurance Contributions Act (FICA).
• Hāʻawi nā ʻauhau mai FICA i nā kālā hilinaʻi ʻelua e uhi ana i nā lilo Medicare.
• Uhi ka waihona kālā hilinaʻi ʻo Medicare Hospital Insurance (HI) i nā koina Medicare Part A.
• Mālama ka waihona kālā hilinaʻi hou (SMI) i ka Medicare Part B a me ka ʻāpana D.
• Hāʻawi kālā ʻia nā kumukūʻai Medicare ʻē aʻe e nā premiums plan, ka waihona kālā hilinaʻi, a me nā kālā ʻē aʻe i ʻae ʻia e ke aupuni.

ʻO Medicare kahi koho ʻinikua olakino kālā ʻia e ke aupuni e hāʻawi nei i ka uhi no nā miliona o ko ʻAmelika mau makahiki 65 a ʻoi, a me nā kānaka me kekahi mau kūlana. ʻOiai hoʻolaha ʻia kekahi o nā hoʻolālā Medicare ma ke ʻano he “manuahi,” ʻo ka lilo ʻana o Medicare he mau haneli biliona kālā i kēlā me kēia makahiki.

No laila, na wai e uku no Medicare? Hāʻawi kālā ʻia ʻo Medicare e nā kālā hilinaʻi kālā i kākoʻo ʻia e ka ʻauhau, ka uku paneʻe waihona, nā uku kōkua, a me nā kālā hou aʻe i ʻae ʻia e ka ʻAhaʻōlelo.

E ʻimi ana kēia ʻatikala i nā ala like ʻole e uku kālā ʻia ai kēlā me kēia ʻāpana o Medicare a me nā kumukūʻai e pili ana i ke kākau inoa ʻana i kahi hoʻolālā Medicare.

Pehea e loaʻa kālā ai ʻo Medicare?

Ma 2017, ua uhi ʻo Medicare ma luna o 58 miliona mau mea kōkua, a ʻo ka nui o nā lilo no ka uhi ʻana ma mua o $ 705 biliona.

Uku ʻia nā lilo Medicare no ka mea nui e nā kālā hilinaʻi ʻelua:

• Waihona hilinaʻi o ka Haukapila Medicare (HI)
• Kālā hilinaʻi ʻinikua kōkua (SMI) waihona kālā

Ma mua o ke luʻu ʻana i ka pehea e uku ai kēlā me kēia kālā hilinaʻi iā Medicare, e hoʻomaopopo mua mākou i ke ʻano o kā lākou kālā.

I ka makahiki 1935, ua hana ʻia ka Federal Insurance Contributions Act (FICA). Mālama kēia ʻauhau ʻauhau i ke kālā no nā papahana Medicare a me Social Security ma o ka ʻauhau uku a me nā ʻauhau loaʻa. Penei e hana ai:

• ʻO kāu uku nui, 6.2 pakeneka e kāohi ʻia no ka Social Security.
• Hoʻohui ʻia, 1.45 pakeneka o kāu uku uku kaohi ʻia no Medicare.
• Inā hoʻolimalima ʻia ʻoe e kahi ʻoihana, kūlike kāu luna me ka 6.2 pākēneka no Social Security a me ka 1.45 pākēneka no Medicare, no ka huina 7.65 pakeneka.
• Inā he hana pilikino ʻoe, e uku ʻoe i ka 7.65 pakeneka hou aʻe i nā ʻauhau.

ʻO ka hāʻawi kālā ʻauhau 2.9 no Medicare e hele pololei i nā kālā hilinaʻi ʻelua e hāʻawi ana i ka uhi no nā lilo Medicare. Hāʻawi nā kānaka āpau e hana nei i ʻAmelika Hui Pū ʻIa i nā ʻauhau FICA e hoʻolako kālā i ka papahana Medicare o kēia manawa.

ʻO nā kumuwaiwai hou aʻe o ke kālā Medicare:

• ʻauhau i uku ʻia no ka loaʻa kālā kaiapili
• ukupanee mai nā kālā hilinaʻi ʻelua
• kālā i ʻae ʻia e ka ʻAhaʻōlelo
• nā uku kumukūʻai mai nā ʻāpana Medicare A, B, a me D

ʻO ka Pūnaewele hilinaʻi Medicare HI hāʻawi nui i ke kālā no Medicare Part A. Ma lalo o ka ʻĀpana A, uhi ʻia nā mea kōkua no nā lawelawe haukapila, e like me:

• mālama hale maʻi maʻi
• mālama hoʻopakele hou
• mālama hale hānai
• mālama olakino home
• mālama hale hoʻokipa

ʻO ka Kālā hilinaʻi SMI hāʻawi nui i ke kālā no Medicare Part B a me Medicare Part D. Ma lalo o ka ʻāpana B, loaʻa i nā mea pōmaikaʻi ka pale no nā lawelawe olakino, e like me:

• lawelawe pale
• lawelawe diagnostic
• lawelawe lawelawe
• nā lawelawe olakino noʻonoʻo
• kekahi mau lāʻau lapaʻau a me nā lāʻau āpau
• lako pono ola kino
• hoʻokolohua hoʻokolohua

Kōkua pū nā kālā hilinaʻi ʻelua i ka uhi ʻana i nā koina hoʻokele Medicare, e like me ka ʻohi ʻana i nā ʻauhau Medicare, ka uku ʻana no nā keu pono, a me ka hana pū ʻana me nā hihia o ka hoʻopunipuni Medicare a me ka hana ʻino.

ʻOiai loaʻa i ka Medicare Part D kekahi kālā mai ka waihona hilinaʻi SMI, kahi ʻāpana o ke kālā no nā Medicare Part D a me Medicare Advantage (ʻĀpana C) mai nā uku kōkua.No nā hoʻolālā Medicare Advantage kikoʻī, pono e uku ʻia nā koina i uhi ʻole ʻia e ke kālā Medicare me nā kālā ʻē aʻe.

Ehia nā kumukūʻai Medicare ma 2020?

Aia nā kumu kūʻai like ʻole e pili ana i ke kākau inoa ʻana i Medicare. Eia kekahi e ʻike ai ʻoe i kāu papahana Medicare:

• Nā Premiums. ʻO kahi uku nui ka uku āu e uku ai e kākau inoa ʻia i Medicare. ʻO nā ʻāpana A a me B, kahi o Medicare kumu, loaʻa nā uku no kēlā me kēia mahina. ʻO kekahi mau papahana Medicare Part C (Advantage) he uku kaʻawale, me ka hoʻohui i nā kumu kūʻai Medicare kumu. Hoʻolālā pū nā hoʻolālā ʻĀpana D a me nā hoʻolālā Medigap i kahi uku no kēlā me kēia mahina.
• Hoʻolālā. A deductible ka nui o ke kālā āu e uku ai ma mua o ka uhi ʻana o Medicare i kāu mau lawelawe. Hoʻemi ʻia ka ʻāpana A no kēlā me kēia wā pōmaikaʻi, akā ʻemi ʻia ka ʻĀpana B i kēlā me kēia makahiki. Hoʻolālā kekahi mau ʻaoʻao D a me nā hoʻolālā Medicare Advantage me ka uhi lāʻau ʻana i kahi lāʻau.
• Kūʻaiʻeʻe. ʻO nā Copayments nā uku i mua e uku ai ʻoe i kēlā me kēia manawa ke kipa ʻoe i ke kauka a i ʻole ka loea. ʻO nā hoʻolālā Medicare Advantage, ʻo ia hoʻi ʻo Health Maintenance Organization (HMO) a me nā Preferred Provider Organisation (PPO), e uku i nā kālā like ʻole no kēia mau kipa. Hoʻolālā nā papahana Medicare Part D i nā copayment like ʻole e pili ana i nā lāʻau āu e lawe ai.
• Coinsurance. ʻO Coinsurance ka pākēneka o ke kumukūʻai o nā lawelawe āu e uku ai mai ka ʻeke. No ka Mahele Medicare A, hoʻonui ka uku kālā i ka lōʻihi o kāu hoʻohana ʻana i nā lawelawe o ka haukapila. No Medicare Mahele B, ʻo ka coinsurance kahi helu pākēneka i hoʻonohonoho ʻia. Hoʻopaʻi ka Medicare ʻĀpana D i kahi ʻāpana kālā a i ʻole copayment no kāu mau lāʻau.
• ʻO nā mea nui i waho o ka ʻeke. Hoʻonohonoho nā hoʻolālā Medicare Advantage āpau i kahi pāpale ma ka nui o ke kālā āu e lilo ai mai ka pocket; ua kapa ʻia kēia ʻo ka maximum-out-of-pocket. Hoʻololi kēia nui ma muli o kāu hoʻolālā Advantage.
• Nā uku no nā lawelawe i uhi ʻole ʻia e kāu hoʻolālā. Inā kau inoa ʻia ʻoe i kahi hoʻolālā Medicare ʻaʻole e uhi i nā lawelawe āu e pono ai, e kuleana ʻoe no ka uku ʻana i kēia mau koina mai ka ʻeke.

He ʻokoʻa nā koina o kēlā me kēia ʻāpana Medicare, e like me ka mea i helu ʻia ma luna. Me nā kālā hilinaʻi ʻelua i hoʻonohonoho ʻia no kēlā me kēia ʻāpana Medicare, kōkua kekahi o kēia mau uku mahina i ka uku no nā lawelawe Medicare.

ʻO nā kumukūʻai Medicare Part A

ʻO ka mahele A uku nui he $ 0 no kekahi poʻe, akā hiki ke kiʻekiʻe iā $ 458 no nā poʻe ʻē aʻe, e like me ka lōʻihi o kāu hana.

Hoʻemi ʻia ka ʻāpana A he $ 1,408 no nā wā pōmaikaʻi, kahi e hoʻomaka ai i ka manawa e ʻae ʻia ai ʻoe i ka haukapila a hoʻopau ke hoʻokuʻu ʻia ʻoe no 60 mau lā.

ʻO ka ʻāpana ʻāpana kālā A he $ 0 ia no nā lā 60 mua o kou noho ʻana i ka haukapila. Ma hope o ka lā 60, hiki i kāu waihona kālā ke loaʻa mai $ 352 i kēlā me kēia lā no nā lā 61 a 90 a $ 704 no nā lā "mālama mālama" i nā lā ma hope o ka lā 90. Hiki iā ia ke hele āpau a hiki i ka 100 pakeneka o nā kumukūʻai, e like me ka lōʻihi o kāu noho.

ʻO nā koina Medicare Part B

Hoʻomaka ka ʻohana B ma $ 144.60 a hoʻonui ʻia e pili ana i kāu pae kālā loaʻa makahiki.

Hiki ke unuhi ʻia ka ʻāpana B he $ 198 no 2020. ʻAʻole like me ka Māhele A i unuhi ʻia, ʻo kēia nui i kēlā me kēia makahiki ma mua o kēlā me kēia wā pōmaikaʻi.

ʻO ka ʻāpana kālā B ʻāpana he 20 pākēneka o ke kumukūʻai o kāu kālā i ʻae ʻia e Medicare. ʻO kēia ka nui a Medicare i ʻae ai e uku i kāu mea lawelawe no kāu lawelawe olakino. I kekahi mau hihia, hiki iā ʻoe ke hōʻaiʻē i kahi ʻāpana ʻoi aku o ka ʻāpana B.

ʻO ka Medicare Part C (Advantage) nā kumukūʻai

Ma waho aʻe o nā kumukūʻai o Medicare kumu (nā ʻāpana A a me B), uku kekahi mau hoʻolālā Medicare Advantage i kahi uku no kēlā me kēia mahina e noho inoa ai. Inā ʻoe i kākau inoa ʻia i kahi papahana ʻĀpana C e uhi ana i nā lāʻau i kuhikuhi ʻia, pono paha ʻoe e uku i kahi hōʻemi lāʻau, nā copayments, a me nā coinsurance. Eia kekahi, e kuleana ʻoe no ka nui o ka copayment ke kipa aku ʻoe i kāu kauka a i ʻole ka loea.

ʻO nā koina Medicare Part D

Hoʻololi ka ʻaoʻao D premium ma muli o ke kumumanaʻo āu e koho ai, a hiki ke hoʻopili ʻia e kāu wahi a me ka ʻoihana e kūʻai aku ana i ka hoʻolālā. Inā lohi ʻoe i ke kākau inoa ʻana i kāu papahana Part D, ʻoi aku paha ke kiʻekiʻe o kēia uku.

ʻOkoʻa ka ʻoki D mahele ʻia e pili ana i ka hoʻolālā āu e hoʻopaʻa inoa ai. ʻO ka nui i unuhi ʻia i hiki ke uku ʻia e kahi ʻāpana D iā ʻoe he $ 435 i ka 2020.

ʻO ka mahele D copayment a me nā huina kālā e hilinaʻi nui ʻia i nā lāʻau āu e lawe nei i loko o ka formulary o kāu papa lāʻau. Loaʻa i nā hoʻolālā āpau kahi formulary, kahi hui o nā lāʻau āpau e uhi ai ka hoʻolālā.

ʻO ke kumu kūʻai Medicare (Medigap)

Hoʻololi ka uku Medigap ma muli o ke ʻano o ka uhi ʻana āu e kākau inoa ai. ʻO kahi laʻana, hoʻolālā ʻo Medigap me nā enrollees liʻiliʻi a ʻoi aku ka nui o nā uhi ma mua o nā hoʻolālā Medigap e uhi ana i ka liʻiliʻi.

E hoʻomanaʻo wale ʻoe i ke kau inoa ʻana i kahi hoʻolālā Medigap, e uhi ʻia kekahi o nā kumu kūʻai Medicare e kāu hoʻolālā.

ʻO ka lawe lawe ʻana

Hāʻawi kālā nui ʻia ʻo Medicare ma o nā kālā hilinaʻi, nā uku pōmaikaʻi o kēlā me kēia mahina, kālā i ʻāpono ʻia e ka ʻAhaʻōlelo, a me ka uku pane kālā hilinaʻi. ʻO nā ʻāpana Medicare A, B, a me D āpau e hoʻohana i ke kālā waihona kālā hilinaʻi e kōkua ai i ka uku no nā lawelawe. Hāʻawi kālā ʻia ka uhi Medicare Advantage hou me ke kōkua o nā uku o kēlā me kēia mahina.

Hiki ke hoʻohui ʻia nā kumukūʻai e pili ana iā Medicare, no laila he mea nui e ʻike i ka mea āu e uku ai mai ka ʻeke ke kau inoa ʻoe i kahi hoʻolālā Medicare.

E kūʻai a puni no nā hoʻolālā Medicare ma kou wahi, e kipa iā Medicare.gov e hoʻohālikelike i nā koho kokoke iā ʻoe.