Okudingeka Ukwazi Ngezibuyekezo ZikaMedare kanye Nendlela Yokulondoloza Imali
Uma usondelene nobudala bokuthatha umhlalaphansi noma usuvele uthola izinzuzo zokuvikeleka kwezenhlalakahle, kubalulekile ukuhlala phezulu kunoma yiziphi izinguquko ezingase zenzeke. Okwamanje, kunabamukeli abangaba yizigidi ezingu-60, inombolo ekhula ngo-10 000 nsuku zonke (kuze kube ngu-2030). Ukusetshenziswa kukaMedare nguhulumeni kukhishwa amarekhodi amakhulu ka-2016.
Izindaba ezinhle ukuthi izinzuzo zezenhlalakahle zenzelwe ukuthi zitholakale kuze kube ngonyaka ka-2034, lapho zizokwehla ku-79% wezinzuzo ezithembisiwe kulabo abaneminyaka engu-45-47 manje.
Izindaba ezimbi ukuthi ama-premium e-Medicare akhuphuka, kanti izindleko zokulungiswa kokuphila (COLA) zizobe zizungeze amaphesenti angu-0.2 kuphela ngo-2017. Kwakungenayo i-COLA ngo-2016 ngoba amanani entengo ye-inflation ayanda.
Abanye abaqashile sebevele sebevele bathole izincwadi ezivela ku-Administration Security Administration ezikhombisa ukuthi izindleko zabo zokukhula ziyoba ama-dollar ambalwa nje.
I-Medicare Hospital Coverage isaphephile
Ngenkathi i-Medicare Part Ukufakwa kwesibhedlela kuzoba ngamaphesenti angama-100 okuxhaswa ngemali kuze kube ngonyaka ka-2028, kungena eminyakeni emibili kuncane kakhulu kunalokho okushiwo ngo-2016 - okukhathazeka kakhulu ukuthi izindleko ezingaphandle kwezezimali zizokhula eminyakeni ezayo. Amaphrimiyamu akhuphukela ingxenye ye-Medicare Part B kuphela abamukeli ngo-2017, kuye ngokuthi amalungu athola i-COLA noma cha. Lokhu kwanda kuthinta amaphesenti angu-70 abemukeli be-Medicare, kanti amanye amaphesenti angu-30 ayenzi lutho.
Ingxenye B Yandisa Ukulindela Abathengi Abakhulu E-2017
Ukwaziswa kwamuva kakhulu kwi-Medicare premium kwenyuka kuvela ku-AARP, iKomidi Kazwelonke Yokulondoloza Ukuvikeleka Kwezenhlalakahle kanye neMedare.gov, lapho abahola phambili abahlala khona bangalindela ukuhamba okuphakeme kakhulu.
Ukukhula kulindeleke ukuba kube ngamaphesenti angama-22 kuya ku-25 kusukela ngo-2016, kugxile kwizinkokhelo ze-Part B. Amaphesenti angu-30 angenalutho ngemikhombandlela ye-COLA angalindela ukwanda kwama-$ 2.70 ngaphezulu ngenyanga ngenyanga ka-2017. Amaphesenti angama-70 angabanjwanga lutho nge-COLA azokwandisa ngokususelwa kwimali engenayo (engaphezulu kuka-$ 85,000) ngo-$ 27.20 kuya ku-149.00 ngenyanga ngo-2017.
Labo abakhukhi abathola imali engenayo bayothola ukunyuka okukhulu kwe-premium ye $ 380.20 kuya ku-$ 467.20 ngenyanga.
I-Medicare Part D, ukuhlinzekwa kwemithi kadokotela, kulindeleke ukuba yande kusuka ku-$ 34 kuya ku-$ 40 ngenyanga, kanti leyo deductible izokwanda ukusuka ku-$ 360 kuya ku-$ 400 minyaka yonke.
Abamukeli be-Medicare abangenayo imali engaphansi bangalindela ukuthi amazwe abo athathe noma yiziphi izindleko ezengeziwe zokukhokhelwa kwama-premium kanye nemali ephuma ngaphandle.
Yini Engayikwelapha Abamukeli Benza Manje Ukulungiselela I-Premium Increase 2017?
Ngokusho kweThe Street, kunezinto ezithile abakwaMedricare abangayenza manje ukuze balungiselele ukunyuka kwama-premium amaphrojekthi ka-2017. Abadala bakhuthazwa ukuba basebenze nomhleli wezezimali ukuze banqume ukusetshenziswa okungcono kwemali yabo yomhlalaphansi, futhi bakhethe ilungelo Umkhiqizo we-Medicare Part B uma usebhange elingenayo engu-85,000 noma ngaphezulu.
Ezinye izindlela abantu abadala abakwazi ukulondoloza ngayo izindleko zezokwelapha nezedokotela manje ukuhlela noma yiziphi izinqubo ezidingekayo kwezokwelapha ngaphambi kokuphela kuka-2016, ukuze zisebenzise amazinga aphansi. Abaningi sebesifinyelele kakade ukuphuma kwabo ephaketheni eliphezulu ngonyaka ukuze izindleko zezokwelapha zikwazi ukumbozwa ngokugcwele.
Ukungena ohlelweni lonyaka we-2017, abadala bakhuthazwa ukuthola izindlela ezihlukile zokuhlangana nezinkokhelo zabo zenyanga nenyanga.
Enye indlela yokulondoloza imali ukuthola i-zero ekwesikhwameni lesikweletu esikhwameni esincane esinikeza imali emuva kokuthenga konke, futhi amaphuzu okusebenzisa ezinye izindleko ezifana nokuhamba nokuthengwa kwe-intanethi. Abamukeli be-Medicare bangasebenzisa ngokunenzuzo ukuhlolwa kwezempilo kwamahhala nezindleko ezisezindaweni zokunakekela ezempilo nasemitholampilo. Ngokuvamile, ukunakekelwa kokuvimbela kungasiza ekugcineni impilo enhle, enganciphisa ukwelashwa okuphuthumayo nokuhlinzwa okubizayo.
Abahlinzeki be-Medicare Part D kufanele basebenzise ngokunakekelwa kwezidingo zemithi yasekhaya ngempahla engu-90 yosuku olwehlisa izindleko zokudonsa kanye nezindleko zokuhamba. Ukuze uthole imishanguzo yegama lomkhiqizo obiza kakhulu noma omusha, abadala bangasebenzisa izinhlelo ezikhethekile eziqhutshwa izinkampani ezinkulu zezokwelapha ukuze zithole izidakamizwa ezibiza mahhala. Noma nini lapho uvakashela ihhovisi likadokotela, cela amasampula ezidakamizwa ngaphambi kokugcwalisa imithi kadokotela, umzamo ongakusindisa amadola ayizinkulungwane ezimbalwa ngonyaka.
Futhi, uma kuziwa ekuhlinzekeni okudingekayo kwezokwelapha noma ezinye izinqubo ezibiza izindleko, cabanga ngemitholampilo engaphandle kwe-USA enganikeza ukunakekelwa okuphephile kwezempilo ezingxenyeni zezinga lase-US. Kunemitholampilo eminingi ephakanyisiwe e-Asia, eMexico, eYurophu naseNingizimu Melika.