Ta yaya za ku rage kuɗin kuɗin lafiyar ku?
Majalisa ta sanar da farashi na Medicare na shekara ta 2018. Dukkanin mutane, ko da kuwa kudin da suke samu, za a kara su da karuwa daga cikin aljihu. Yi amfani da waɗannan lambobi don jagorantar lafiyar ku a cikin sabuwar shekara.
Sashe na A Premiums
Medicare Sashe na A ba kyauta ba ne don kashi 99 cikin 100 na jama'ar Amirka. Wannan shi ne saboda mafi yawan mutane sun biya cikin tsarin don shekaru tare da ma'aikata haraji na biyu Medicare da Social Tsaro .
Idan wani ya ba da gudummawar kashi 40 (shekaru 10) ko fiye da haraji na Medicare, duk da haka, za a buƙaci su biya kuɗi don Medicare kamar haka.
| Sharuɗɗa na Medicare haraji da aka biya | Kawan ku 2018 | Canja daga 2017 |
|---|---|---|
| 40 quarters ko fiye | $ 0 a kowace wata | Babu canji |
| 30-39 quarters | $ 232 a kowace wata $ 2,784 a kowace shekara | $ 5 ƙara kowace wata $ 60 karuwa a kowace shekara |
| Kasa da rabi 30 | $ 422 a wata $ 5,064 a kowace shekara | $ 9 ya karu a wata $ 108 ya karu a kowace shekara |
Yana da sha'awar yin aiki har zuwa kashi 40 idan ya yiwu. Wannan na iya nufin jinkirta jinkirin ritaya har sai kun sadu da matakai masu yawa na aikin aikin federally. Idan kana aiki 40 ko fiye quarters, zai iya ceton ku dubban dalar Amurka a cikin sashe na A A rayuwar ku. Wannan zai iya samun tasirin gaske a kan iyawarka don yin ritaya a hankali.
Shahararren labari shine idan ba ku yi aiki da kashi 40 ba, kuna iya samun kyauta na kyauta na A A bisa ga tarihin aikin ku na mata.
Wannan ya shafi idan dai kuna da aure ko kuna kasancewa bayan auren bayan da kuka saki wanda kuka yi aure don akalla shekaru 10. Kuna iya cancanci yin amfani da rikodin matar ku idan kun kasance mawaki. Tsarin mulki kawai shi ne cewa ku kasance da aure kuma ku auri matar ku a kalla watanni 9 kafin su wuce.
Ka'idoji ga mutanen da suka sake yin aure zasu iya samun kaɗan.
Lura cewa duk wani kudi da ku ke samu "a karkashin tebur" ba zai ƙidaya ku cancanta don kyauta na Sashe na A ba saboda babu takardun haraji.
Sashe na A Deductibles da Copayments
Abinda ke ciki a asibitin da kuma ma'aikatan kulawa da kayan kiwon lafiya , ba abin mamaki bane, sun tashi. Suna karuwa a kowace shekara kuma 2018 ba banda. Yawan kuɗin kuɗin kuɗi na kowane ɗakin da ake ciki a cikin gida mai zaman kansa shi ne $ 6,692. Don ɗakin mai zaman kansa, farashin ya kai $ 7,604. Idan kana zaune a Alaska, Connecticut, Hawaii, Massachusetts ko New York sa ran su biya ƙarin. Waɗannan su ne jihohin da suka fi tsada don kula da gidaje a cikin ƙasa. Alaska ta karbi kyautar a wani wanda ya biya $ 23,451 a wata.
Ana zargin cajin deductible mai ɗungum don kowane shigarwa mai shiga. Wannan haɓakacce yana rufe duk farashin har zuwa kwanaki 60 banda ganduwar likita wanda Sashe na B ya rufe . Bayan kwanaki 60, ana cajista ka a kowane kwanan wata da kake asibiti.
| Ranar Asibiti na Inpatient | Kawan ku 2018 | Canja daga 2017 |
|---|---|---|
| Inpatient asibiti deductible kwanaki 0-60 | $ 1,340 na asibiti | $ 24 yawan karuwa |
| Inpatient asibiti kwanakin kwana 61-90 | $ 335 a kowace rana | $ 6 a karuwa a kowace rana |
| Inpatient asibiti kwanakin kwana 91+ | $ 670 a kowace rana | $ 12 a karuwa kowace rana |
Ba a taɓa samun wanda ba zai yiwu ba a farkon kwanaki 20 na kulawa da aka samu a wani ma'aikatan kulawa da jinya (SNF) nan da nan bayan an dakatar da asibiti. Abubuwa zasu iya zama dabara a nan saboda an sanya wasu mutane karkashin kallo maimakon a yarda da su a matsayin inpatient. Kawai kasancewa cikin dare a asibiti ba ya sa ka zama marasa lafiya.
| Ranar SNF Care | Kawan ku 2018 | Canja daga 2017 |
|---|---|---|
| Ranar SNF 0-20 | $ 0 | Babu canji |
| SNF kwanaki 21-100 | $ 167.50 a kowace rana | $ 3 a kowace rana girma |
| Ranar SNF 100+ | Duk farashin da aka biya daga aljihun ta hannun mai amfani | Babu canji |
Labarin mummunan shine Medicare bai biya kulawa ba wanda ba a hade da kwanakin asibiti ba.
Mutanen da suke bukatar kulawa na dindindin suna buƙatar neman wata hanya don biyan kudin gida. Saboda wannan dalili, mutane da yawa tsofaffi ma suna buƙatar shiga don Medicaid .
Kalma daga
Idan kun kasance da sa'a, ba za ku taba yin amfani da Medicare Sashi na A. Ba za ku taba buƙatar asibiti ba, ba za ku taba buƙatar kayan kiwon lafiya ba kuma ba za ku taba kula da kulawa ba . Ƙarshe, yana da muhimmanci a yi wannan ɗaukar hoto idan ka taba buƙata shi kuma ka san yadda za a kashe.
> Sources:
> Kudin Kuɗi na Nursing by State. Skillednursingfacilities.org yanar gizon.
> Kudin A A. Yanar gizo Medicare.gov.