Zimene Mukuyenera Kudziwa Zokhudza Kusintha kwa Medicare ndi Kusunga Ndalama
Ngati mukuyandikira zaka zapuma pantchito kapena mutalandira kale mapindu a Social Security, nkofunika kukhalabe pamwamba pa kusintha kulikonse komwe kungakhaleko. Pakalipano, pali anthu okwana 60 miliyoni, omwe amakula ndi 10,000 tsiku lililonse (mpaka 2030). Medicare yogwiritsira ntchito ndalama ndi boma ikukwera kwambiri pofika mu 2016.
Uthenga wabwino ndi wakuti bungwe la Social Security likuyembekezeka kukhalapo kufikira chaka cha 2034, pamene lidzatsikira ku 79 peresenti ya phindu lolonjezedwa kwa anthu a zaka 45-47 tsopano.
Nkhani yoipa ndi yakuti mapepala apamalonda a Medicare akukwera, pamene mtengo wa kusintha kwa moyo (COLA) udzakhala wokha pafupifupi 0,2 peresenti kwa 2017. Panalibe COLA mu 2016 chifukwa chiwerengero cha kuchepa kwa ndalama sichinapitirire.
Ena othawa kwawo atha kale kulandira makalata ochokera ku Social Security Administration omwe amasonyeza kuti ndalama zawo zowonjezera moyo zidzakhala madola owerengeka chabe.
Chipatala cha Medicare Chipatala Chinapulumukabe
Ngakhale Medicare Part Kupeza chithandizo cha chipatala chidzaperekedwa kwa 100 peresenti mpaka chaka cha 2028, chidzafika zaka ziwiri zochepa kusiyana ndi zomwe zinayesedwa mu 2016 - zomwe zikudetsa nkhaŵa zambiri kuti ndalama zowonjezera ndalama zidzakwera m'zaka zikubwerazi. Ndalama zikupita ku gawo la Medicare Part B zokha kulandira mu 2017, malingana ngati mamembala akupeza COLA kapena ayi. Kuwonjezeka kumeneku kumakhudza 70 peresenti ya odwala Medicare, ndipo ena 30 peresenti sanawonongeke.
Gawo B likuwonjezereka zomwe zimayembekezeredwa kwa Opeza Mapulani mu 2017
Chidziwitso chaposachedwa pa kuwonjezeka kwa Medicare premium chimachokera ku AARP, National Committee of Preserve Social Security ndi Medicare.gov, momwe otsogolera pamwamba amatha kuyembekezera chiŵerengero chachikulu kwambiri.
Kuwonjezeka kumayembekezeredwa kukhala pafupi ndi 22 mpaka 25 peresenti kuyambira 2016, ndikuyang'ana pa premium premium. A 30 peresenti omwe sanagwidwe ndi zopweteka ndi malangizo a COLA angathe kuyembekezera kuwonjezeka kwa madola 2.70 pa mwezi mu 2017. Amodzi mwa makumi asanu ndi awiri (70%) omwe sakhala opweteka ndi COLA adzawonjezeka chifukwa cha malipiro (pamwamba pa $ 85,000) mu $ 27.20 mpaka $ 149.00 pamwezi mu 2017.
Amene ali m'mabwalo okwera kwambiri adzawona kuwonjezeka kwakukulu kwa $ 380.20 mpaka $ 467.20 pamwezi.
Medicare Part D, kufotokoza kwa mankhwala osokoneza bongo, akuyembekezeka kuwonjezeka kuchokera pa $ 34 mpaka $ 40 pa mwezi, ndipo ndalama zotsalazo zidzawonjezeka kuchokera $ 360 mpaka $ 400 pachaka.
Odwala omwe amalandira ndalama zochepa amatha kuyembekezera kuti mayiko awo atenge ndalama zina zowonjezera ndalama zowonjezera komanso ndalama zowonjezera.
Kodi Mankhwala Amene Amalandira Angatani Tsopano Kuti Mukonzekere Kuwonjezeka kwa 2017?
Malinga ndi The Street, pali zinthu zina zomwe odwala a Medicare angathe kuchita tsopano kukonzekera kukwera kwapulojekiti ya 2017. Okalamba amalimbikitsidwa kugwira ntchito ndi ndondomeko ya ndalama kuti agwiritse ntchito bwino ndalama zapuma pantchito, komanso asankhe bwino Mankhwala a Medicare Part B ngati ali mu $ 85,000 ndalama kapena ndalama.
Njira zina zomwe okalamba angatetezere ndalama pazithandizo zamankhwala ndi zamankhwala tsopano ndizokhazikitsa ndondomeko iliyonse yodalirika kumapeto kwa 2016, kuti agwiritse ntchito mwayi wotsika. Ambiri afika kale pamtunda wapachaka wapakati pa chaka kuti ndalama zowonongeka zidzakwaniridwe mokwanira.
Kupita mu chaka cha 2017, okalamba amalimbikitsidwa kupeza njira zina zosonkhanitsira malipiro awo pamwezi komanso kunja kwa ndalama.
Njira imodzi yosungira ndalama ndi kupeza khadi lachitukuko lachinyamata lopindulitsa lomwe limapereka ndalama kubwerera zonse, ndi mapulogalamu omwe angagwiritsidwe ntchito pazinthu zina monga kuyenda ndi kugula pa intaneti. Mankhwala omwe amalandira mankhwalawa angathenso kugwiritsa ntchito maulendo a zaukhondo komanso otsika mtengo kuzipatala zamankhwala ndi zipatala. Nthawi zonse, kusamalidwa kungathandize kukhalabe ndi thanzi labwino, lomwe lingachepetse pa chisamaliro chapadera komanso opaleshoni.
Mankhwala a Medicare Part D ayenera kupindula ndi kuperekedwa kwa mankhwala kunyumba ndi masiku 90 omwe amachepetsa ndalama zothandizira ndalama komanso zoyendetsa galimoto. Kwa mankhwala otchuka kwambiri kapena atsopano, dzina lachikulire, akuluakulu angagwiritse ntchito mapulogalamu apadera omwe amagwiritsidwa ntchito ndi makampani aakulu kwambiri a mankhwala ogulitsa mankhwalawa kuti athe kupeza mankhwala ogwiritsira ntchito mankhwala osachepera. Nthawi iliyonse mukapita ku ofesi ya dokotala, funsani mankhwala osokoneza bongo musanadze kulemba mankhwala, khama lomwe lingakupulumutseni madola mazana angapo pa chaka.
Komanso, pankhani ya opaleshoni zachipatala kapena njira zina zamtengo wapatali, ganizirani zachipatala kunja kwa USA zomwe zingapereke chithandizo chamankhwala chitetezo pa magawo angapo a US. Pali zipatala zambiri zapamwamba ku Asia, Mexico, Europe, ndi South America.