He aha nā palena kālā loaʻa o Medicare i 2021?

Anter

• Pehea e pili ai kaʻu loaʻa kālā i kaʻu uku uku Medicare?
• ʻO nā uku Medicare ʻĀpana A
• ʻO nā uku uku ʻo Medicare Part B
• ʻO nā uku uku Medicare Part D
• He aha e pili ana i nā hoʻolālā Medicare Advantage?
• Ehia mau uku aʻu e uku ai no nā uku nui ma 2021?
• Pehea e hiki ai iaʻu ke hoʻopiʻi i kahi IRMAA?
• Kōkua no nā mea komo Medicare i loaʻa ka uku haʻahaʻa
• Nā papahana mālama mālama Medicare
• Polokalamu Medicare beneficiary (QMB) kūpono
• ʻO ka papahana Medicare beneficiary (SLMB) kikoʻī i hōʻike ʻia
• Polokalamu Pono Pono (QI)
• Polokalamu Pono Pono (QDWI)
• Hiki iaʻu ke kōkua me nā kumukūʻai D ʻāpana?
• Pehea ʻo Medicaid?
• ʻO ka lawe lawe ʻana

• ʻAʻohe palena kālā e loaʻa ai nā pono Medicare.
• Hiki paha iā ʻoe ke uku hou aʻe no kāu uku nui e pili ana i kāu pae o ka loaʻa kālā.
• Inā he kau palena kāu loaʻa, pono paha ʻoe no ke kōkua i ka uku ʻana i nā uku Medicare.

Loaʻa i ka Medicare i nā ʻAmelika āpau i piha i ka makahiki 65 a ʻoi paha, me ka nānā ʻole i ka loaʻa kālā. Eia nō naʻe, hiki i kāu loaʻa kālā ke hoʻopili i ka nui o kāu uku no ka uhi ʻana.

Inā loaʻa iā ʻoe kahi loaʻa kiʻekiʻe, e uku ʻoe i nā mea hou aku, ʻoiai ʻaʻole e loli kāu mau Medicare pono. Ma ka ʻaoʻao ʻē aʻe, hiki iā ʻoe ke koho no ke kōkua ʻana i ka uku ʻana i kāu uku inā loaʻa ka palena o kāu loaʻa kālā.

Pehea e pili ai kaʻu loaʻa kālā i kaʻu uku uku Medicare?

Māhele ʻia ka laulā Medicare i mau ʻāpana:

• Medicare Mahele A. Manaʻo ʻia kēia ʻo ka ʻinikua haukapila a uhi i nā noho maʻi maʻi i nā haukapila a me nā wahi kahu maʻi.
• Medicare Mahele B. ʻO kēia ka inikua olakino a uhi i ke kipa ʻana i nā kauka a me nā loea, a me nā holo kaʻahua, nā lāʻau lapaʻau, nā lako olakino, a me nā pono ʻē aʻe.

ʻO nā ʻāpana A a me B e kapa pinepine ʻia ʻo "Medicare kumu." Hiki ke loli kāu mau kumukūʻai no Medicare kumu ma muli o kāu loaʻa kālā a me nā kūlana.

ʻO nā uku Medicare ʻĀpana A

ʻAʻole e uku ka hapa nui o ka poʻe no Medicare Part A. ʻO kāu ʻāpana A manuahi ka lōʻihi inā kūpono ʻoe i ka Pōmaikaʻi Pilikino a i ʻole nā ​​pono ʻoihana Railroad Retire.

Hiki iā ʻoe ke kiʻi i ka ʻāpana A manuahi manuahi ʻole inā ʻaʻole mākaukau ʻoe e loaʻa nā pōmaikaʻi līkia Pilikino i kēia manawa.No laila, inā he 65 kou mau makahiki a ʻaʻole mākaukau e haʻalele, hiki iā ʻoe ke hoʻohana i ka uhi Medicare.

Hoʻokaʻawale ʻia kahi ʻāpana A i kēlā me kēia makahiki. I 2021, hiki ke unuhi ʻia $ 1,484. Pono ʻoe e hoʻolilo i kēia kālā ma mua o ka lawe ʻana o kāu ʻāpana A.

ʻO nā uku uku ʻo Medicare Part B

No ka ʻāpana B ʻāpana, e uku ʻoe i kahi uku keu i kēlā me kēia makahiki. E uku ka hapa nui o ka poʻe i ka nui o ka uku maʻamau. I ka makahiki 2021, he $ 148.50 ka uku nui. Eia nō naʻe, inā hana ʻoe i nā palena ʻoi aku ka nui o ka loaʻa mua o ka uku, e uku hou ʻoe no kāu uku.

ʻIke ʻia ka nui o ke kālā ma ke ʻano he helu hoʻoponopono mahina e pili ana i ka loaʻa kālā (IRMAA). Hoʻoholo ka Social Security Administration (SSA) i kāu IRMAA ma muli o ka loaʻa kālā nui ma kāu hoʻihoʻi ʻauhau. Hoʻohana ʻo Medicare i kāu hoʻihoʻi ʻauhau mai 2 makahiki aku nei.

ʻO kahi laʻana, ke noi nei ʻoe no ka laulā Medicare no 2021, e hāʻawi ka IRS iā Medicare me kāu loaʻa kālā mai kāu hoʻihoʻi ʻauhau 2019. E uku hou paha ʻoe ma muli o kāu loaʻa kālā.

I ka 2021, hoʻomaka ke kālā ʻoi aku ke kiʻekiʻe inā loaʻa nā kānaka ma mua o $ 88,000 i kēlā me kēia makahiki, a piʻi aʻe ia mai laila. E loaʻa iā ʻoe kahi leka IRMAA i ka leka mai SSA inā hoʻoholo ʻia pono ʻoe e uku i kahi uku kiʻekiʻe.

ʻO nā uku uku Medicare Part D

ʻO Medicare ʻĀpana D ka laʻau lāʻau i kuhikuhi ʻia. Loaʻa i nā hoʻolālā ʻĀpana D kā lākou uku pilikino ʻokoʻa. ʻO ka uku nui o ka poʻe loaʻa kālā ma mua no Medicare Part D ma 2021 he $ 33.06, akā ʻokoʻa nā koina.

Pili kāu ʻāpana D Premium i ka hoʻolālā āu e koho ai. Hiki iā ʻoe ke hoʻohana i ka pūnaewele Medicare e kūʻai no nā hoʻolālā ma kāu wahi. E like me kāu ʻāpana Part B, uku ʻoe i ka uku hoʻonui inā ʻoe e hana i nā mea hou aʻe ma mua o ka pae loaʻa mua.

Ma 2021, inā ʻoi aku kāu kālā ma mua o $ 88,000 i kēlā me kēia makahiki, uku ʻoe i kahi IRMAA o $ 12.30 i kēlā me kēia mahina ma luna o ke kumukūʻai o kāu uku ʻāpana D. Piʻi ʻia nā kālā IRMAA mai laila ma nā pae kiʻekiʻe o ka loaʻa kālā.

ʻO ke kumu kēia inā hana ʻoe i $ 95,000 i kēlā me kēia makahiki, a koho ʻoe i kahi hoʻolālā ʻĀpana D me ka uku o kēlā me kēia mahina o $ 36, ʻo ka nui o kāu uku mahina he $ 48.30.

He aha e pili ana i nā hoʻolālā Medicare Advantage?

ʻO ke kumu kūʻai no Medicare Advantage (ʻĀpana C) ʻokoʻa loa. Kaukaʻi ʻia i kāu wahi, loaʻa iā ʻoe he mau koho he nui, nā mea āpau me nā helu uku ʻokoʻa. Ma muli o ka loaʻa ʻole o kahi hoʻolālā kumumanaʻo nā ʻāpana C ʻāpana, ʻaʻohe paʻa paʻa kālā i hoʻonohonoho ʻia no nā kumukūʻai kiʻekiʻe.

Ehia mau uku aʻu e uku ai no nā uku nui ma 2021?

E uku ka hapa nui o ka poʻe i ka uku maʻamau no kā lākou uku Medicare Part B. Eia nō naʻe, ʻaiʻē ʻoe i kahi IRMAA inā ʻoe e hana ma mua o $ 88,000 i hoʻokahi makahiki i hāʻawi ʻia.

No ka ʻāpana D, e uku ʻoe i ka uku no ka hoʻolālā āu e koho ai. Kaukaʻi ʻia i kāu loaʻa kālā, e uku nō hoʻi ʻoe i kahi nui hou i Medicare.

Hōʻike ka papa aʻe i nā paʻa kālā a me IRMAA nui āu e uku ai no ka ʻāpana B a me ka ʻāpana D i 2021:

Aia nā pale ʻokoʻa no nā kāne male e faila ʻokoʻa nā ʻauhau. Inā ʻo kēia kāu kūlana faila, e uku ʻoe i kēia mau helu no ka ʻāpana B:

• $ 148.50 i kēlā me kēia mahina inā ʻoe e $ 88,000 a ʻoi aku paha
• $ 475.20 i kēlā me kēia mahina inā ʻoe e ʻoi aku ma mua o $ 88,000 a i lalo o $ 412,000
• $ 504.90 i kēlā me kēia mahina inā loaʻa iā ʻoe $ 412,000 a ʻoi

E unuhi pololei ʻia kāu mau ʻāpana B uku nui mai kāu pōmaikaʻi Social Security a i ʻole nā ​​pono ʻoihana Railroad Retire. Inā ʻaʻole ʻoe e loaʻa i kahi pōmaikaʻi ʻelua, e loaʻa iā ʻoe kahi bila mai Medicare i kēlā me kēia 3 mahina.

E like me ka ʻāpana B, aia nā paʻa like ʻole no nā kāne male e faila ʻokoʻa. I kēia hihia, e uku ʻoe i kēia mau uku uku no ka ʻāpana D:

• ʻo ka uku hoʻolālā wale nō inā ʻoe e $ 88,000 a ʻoi aku paha
• kāu uku hoʻolālā a me $ 70.70 inā ʻoe e ʻoi aku ma mua o $ 88,000 a emi ma lalo o $ 412,000
• kāu uku hoʻolālā a me $ 77.10 inā loaʻa iā ʻoe $ 412,000 a ʻoi

Mālama ʻo Medicare iā ʻoe i kēlā me kēia mahina no ka nui o ka ʻāpana D.

Pehea e hiki ai iaʻu ke hoʻopiʻi i kahi IRMAA?

Hiki iā ʻoe ke hoʻopiʻi i kāu IRMAA inā manaʻo ʻoe he hewa ʻole ia a inā ua hoʻololi nui ʻoe i ke ʻano o ke ola. Pono ʻoe e kāhea aku i ka Social Security e noi ai i ka noʻonoʻo hou ʻana.

Hiki iā ʻoe ke noi i kahi hoʻopiʻi inā:

• hewa a hala ʻole paha ka ʻikepili i hoʻouna ʻia e ka IRS
• ua hoʻoponopono ʻoe i kāu hoʻihoʻi ʻauhau a manaʻoʻiʻo ua loaʻa iā SSA ka mana hewa

Hiki iā ʻoe ke noi i kahi hoʻopiʻi inā ua nui kāu hoʻololi i kāu kūlana kālā, e like me:

• make o ka wahine mare
• hemo male
• male male
• hana mau hola
• ka hoʻomaha a nalowale paha i kāu hana
• lilo o ke kālā loaʻa mai kahi kumu ʻē aʻe
• pohō a hoʻēmi paha o ka penihana

ʻO kahi laʻana, inā ua hana ʻia ʻoe ma 2019 a loaʻa $ 120,000, akā ua hoʻomaha ʻoe i ka makahiki 2020 a ke hana nei ʻoe i $ 65,000 wale nō mai nā pono, hiki iā ʻoe ke hoʻopiʻi i kāu IRMAA.

Hiki iā ʻoe ke hoʻopihapiha i ka Medicare Income-Related Monthly Adjustment Amount - Life-Changing Event form a hāʻawi i nā palapala kākoʻo e pili ana i kāu hoʻololi kālā.

Kōkua no nā mea komo Medicare i loaʻa ka uku haʻahaʻa

ʻO ka poʻe me ka loaʻa kālā palena ʻole hiki ke kōkua i ka uku ʻana i nā koina no ka Medicare kumu a me ka Māhele D. Loaʻa nā papahana mālama mālama Medicare e kōkua i ka uku ʻana i nā uku uku, nā deductibles, coinsurance, a me nā kumu kūʻai ʻē aʻe.

Nā papahana mālama mālama Medicare

ʻEhā ʻano o nā papahana mālama mālama Medicare, i kūkākūkā ʻia me ka kikoʻī i nā ʻāpana aʻe.

Ma Nowemapa 9, 2020, ʻaʻole hoʻolaha ʻo Medicare i nā paepae loaʻa kālā hou a me nā kumuwaiwai e hiki ai ke komo i nā papahana mālama mālama Medicare hou aʻe ʻO nā nui i hōʻike ʻia ma lalo nei no 2020, a e hāʻawi mākou i nā helu 2021 i hōʻano hou ke hoʻolaha ʻia lākou.

Polokalamu Medicare beneficiary (QMB) kūpono

Hiki iā ʻoe ke kūpono no ka papahana QMB inā loaʻa kāu loaʻa kālā ma lalo o $ 1,084 a me ka nui o nā kumuwaiwai ma lalo o $ 7,860. No nā kāne male, ʻo ka palena ma lalo o $ 1,457 i kēlā me kēia mahina a emi ma lalo o $ 11,800 i ka huina. ʻAʻole ʻoe e kuleana no nā kumukūʻai o nā uku, deductibles, copayments, a i ʻole nā ​​ʻāpana kālā ma lalo o kahi hoʻolālā QMB.

ʻO ka papahana Medicare beneficiary (SLMB) kikoʻī i hōʻike ʻia

Inā ʻoe e emi ma lalo o $ 1,296 i ka mahina a emi ma lalo o $ 7,860 i nā kumuwaiwai, hiki iā ʻoe ke kūpono no SLMB. Pono nā kāne male e hana ma lalo o $ 1,744 a loaʻa i lalo o $ 11,800 i nā kumuwaiwai e kūpono ai. Uhi kēia polokalamu i kāu uku nui ʻāpana B.

Polokalamu Pono Pono (QI)

Uhi ka papahana QI i nā koina B a holo ʻia e kēlā me kēia mokuʻāina. Pono ʻoe e noi hou i kēlā me kēia makahiki, a ʻae ʻia nā noi ma ke kumu mua, lawelawe mua. ʻAʻole hiki iā ʻoe ke kūpono no ka papahana QI inā loaʻa iā Medicaid.

Inā loaʻa kahi loaʻa kālā o ka mahina ma lalo o $ 1,456 a i ʻole he loaʻa kālā o ka mahina ma lalo o $ 1,960, hiki iā ʻoe ke noi no ka papahana QI. Pono ʻoe e loaʻa ma lalo o $ 7,860 i nā kumuwaiwai. Pono nā kāne male ma lalo o $ 11,800 i nā kumuwaiwai.

ʻOi aku ka kiʻekiʻe o nā palena kālā ma Alaska a me Hawaii no nā papahana āpau. Eia hou, inā ʻo kāu loaʻa kālā mai ka hana a me nā pōmaikaʻi, hiki iā ʻoe ke kūpono no kēia mau papahana ʻoiai inā ʻoe e hana iki ma luna o ka palena. Hiki iā ʻoe ke kāhea i kāu keʻena Medicaid mokuʻāina inā manaʻo ʻoe he kūpono paha ʻoe.

Polokalamu Pono Pono (QDWI)

Kōkua ka papahana QDWI i ka uku ʻana i ka Mahele Medicare A premium no kekahi mau kānaka ma lalo o ka makahiki 65 i kū ʻole i ka ʻāpana A manuahi ʻole.

Pono ʻoe e hoʻokō i nā koina loaʻa e kākau inoa ai i ka papahana QDWI o kou mokuʻāina.

• kahi loaʻa makahiki o $ 4,339 a ʻoi aku paha
• kahi palena waiwai pilikino o $ 4,000
• he kāne male male loaʻa kālā o $ 5,833 a ʻoi aku paha
• he palena palena waiwai o nā kāne male $ 6,000

Hiki iaʻu ke kōkua me nā kumukūʻai D ʻāpana?

Hiki iā ʻoe ke kōkua i ka uku ʻana i kāu koina Māhele D. Kapa ʻia kēia papahana he Kōkua keu. Me ka papahana Kōkua keu, hiki iā ʻoe ke loaʻa nā kau lāʻau i ke kumu kūʻai haʻahaʻa. I ka 2021, e uku ʻoe i $ 3.70 no nā generics a i ʻole $ 9.20 no nā lāʻau lapaʻau inoa.

Pehea ʻo Medicaid?

Inā kūpono ʻoe i Medicaid, e uhi ʻia kāu kumukūʻai. ʻAʻole ʻoe e kuleana no nā uku uku a i ʻole nā ​​kumu hoʻolālā ʻē aʻe.

He mau lula ʻokoʻa ko kēlā me kēia mokuʻāina no ke kūpono Medicaid. Hiki iā ʻoe ke hoʻohana i kēia mea hana mai ka Health Insurance Marketplace e ʻike ai inā paha he kūpono ʻoe no Medicaid i kou mokuʻāina.

ʻO ka lawe lawe ʻana

Hiki iā ʻoe ke kiʻi i ka uhi Medicare no ka mea ʻo kāu loaʻa kālā. E hoʻomanaʻo i kēia:

• Ke kuʻi ʻoe i kekahi mau loaʻa kālā, pono ʻoe e uku i nā koina premium kiʻekiʻe aʻe.
• Inā ʻoi aku kāu kālā ma mua o $ 88,000, e loaʻa iā ʻoe kahi IRMAA a uku i nā kumukūʻai hou aʻe no ka ʻāpana B a me ka ʻāpana D.
• Hiki iā ʻoe ke hoʻopiʻi i kahi IRMAA inā loli kāu mau hanana.
• Inā ʻoe i kahi bracket loaʻa haʻahaʻa, hiki iā ʻoe ke kōkua i ka uku ʻana no Medicare.
• Hiki iā ʻoe ke noi ma o ke keʻena Medicaid o kou mokuʻāina no nā papahana kūikawā a me ke kōkua Medicare.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 10, 2020, e hōʻike i ka ʻike 2021 Medicare.

Hiki i ka ʻikepili ma kēia pūnaewele ke kōkua iā ʻoe i ka hoʻoholo ʻana pilikino e pili ana i ka ʻinikua, akā ʻaʻole ia i manaʻo ʻia e hāʻawi i nā ʻōlelo aʻoaʻo e pili ana i ke kūʻai a hoʻohana ʻana i nā huahana ʻinikua a me nā ʻinikua paha. ʻAʻole lawelawe ʻo Healthline Media i ka ʻoihana ʻinikua i kekahi ʻano a ʻaʻohe laikini ma ke ʻano he ʻinikua a i ʻole mea hana i kēlā me kēia mana o U.S. ʻAʻole koi a kākoʻo ʻo Healthline Media i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.