Abin da ya kamata ku sani game da canje-canje na Medicare a wannan shekara

Kamfanin

Medicare shiri ne na inshorar lafiya na gwamnati don waɗanda shekarunsu suka kai 65 zuwa sama, kuma wasu manya waɗanda shekarunsu ba su kai 65 ba da nakasa. An kiyasta 15% na Amurkawa shiga cikin Medicare. Duk da cewa mutane da yawa suna da Medicare, zai iya zama da sauƙi a fahimta. Ba ya taimaka cewa wasu abubuwa na shirin yawanci canza shekara zuwa shekara. Anan akwai canje-canje na Medicare na 2020 wanda yakamata ku sani game dashi.

Canjin 2020 na Medicare

Wannan shekara farashin kowane wata yana tashi don yawancin masu cin gajiyar Medicare, don wasu zasu tashi zuwa 7%. Cibiyoyin Medicare da Medicaid Services , ko CMS, sun bayyana wannan dalili a bayansa: inara yawan kuɗaɗen Sashi na B kuma ana cire ragowa galibi saboda hauhawar kuɗaɗe akan magungunan da likita ke yi. Waɗannan farashi mafi girma suna da tasiri mai tasiri kuma suna haifar da ƙarin kuɗin B na B kuma mafi sauki.

Anan akwai karin haske game da sauran manyan canje-canje a cikin 2020:

• Farashin sashi na A da Sashin B (ga waɗanda suka biya su) sun fi girma a 2020.
• Medigap (ko Inshorar Inarin Inshorar) Tsarin C da Tsarin F ba'a sake ba su ga waɗanda suka cancanci cancantar Medicare a 2020.
• An daidaita kwanson masu shigowa na manyan masu shigowa cikin Medicare Part B kuma Kashi na D . Wadannan kwalliyar zasu shafi kusan kashi 7% na wadanda suke karbar Medicare. Don ganin idan ya shafe ka, akwai ginshiƙi akan gidan yanar gizon CMS nan .
• Medicare tana rufe ratar ɗaukar hoto na Part D, ko ramin donut .
• Ana gabatar da sabon rukuni na shirin Medigap, Plan G, shirin inshorar karin inshora mai karfin cire kudi. Wannan sabon shirin yana da kyau ga wadanda da kyar suke bukatar zuwa ganin likita. A cikin wannan shirin, ku biya kuɗin aljihun ku har sai kun fara cire kuɗin $ 2,340. Bayan wannan, shirin inshorar ku na kari zai biya sauran kudaden kula da lafiyar ku wadanda ba Medicare.
• An inganta Kayan aikin Mai nemo Medicare ana aiwatarwa.

Menene farashin Medicare a cikin 2020?

Ga ragin farashin wadannan canje-canje:

• Sashi na A: Kyautar Medicare Part A, ga waɗanda basu cancanci Sashin A kyauta ba, zai kasance daga $ 252-458 kowace wata ya danganta da tarihin aiki. An kwatanta wannan zuwa ƙimar 2019 na $ 240- $ 437. Kudin da aka cire shi ne $ 1,408 a duk lokacin amfani.
• Sashe na B: Kyautar Medicare Part B da kuma kuɗin Medicare Part B duk suna tashi a cikin 2020.
  • Adadin yanzu zai zama $ 144.60 maimakon $ 135.50.
  • Abinda aka cire ya tashi zuwa $ 198 daga $ 185.
• Sashe na C: Positiveaya daga cikin canje-canje masu kyau a cikin 2020 shine cewa shirin biyan kuɗi mai amfani yakamata ya ƙi ta matsakaita na 2. 3% daga farashin 2018. Wannan zai zama mafi ƙarancin waɗannan kuɗin tun sama da shekaru 13.
• Sashe na D: Don rage gibin ɗaukar hoto na Medicare-wanda kuma aka sani da ɓangaren shirin D donut rami-mai karɓar yanzu zai biya 25% kawai na kuɗin maganin likitancin su bayan lokacin ɗaukar matakin farko na Part D. A baya, a cikin ramin donut, Medicare ya rufe kawai 56% kuma mutum ya rufe sauran 44%. Farashin farashi an kiyasta farawa a $ 30 don Medicare Part D, wanda zai zama mafi ƙanƙanci da ya kasance tun daga 2013.

Shin akwai ƙarin canje-canje da ke zuwa Medicare?

Waɗannan duka canje-canjen da ake tsammani zuwa Medicare a cikin 2020; duk da haka, abu ne mai yiwuwa a sami canje-canje a cikin fewan shekaru masu zuwa. An sami wasu ƙari ga Medicare saboda coronavirus, gami da gwajin gwaji kyauta don COVID-19 da kuma fadada biyan Medicare na dan lokaci sabis na telehealth .

Don ganin ko ka cancanci zuwa Medicare ko don gano yaushe bude rajista ya faru, SingleCare yana da labarai masu amfani da yawa. Kuna iya amfani da shi SingleCare tare da Medicare don taimakawa adana ƙari game da ɗaukar magungunan magani, ko wannan ya zama suna-iri ko magunguna na gama-amma ba za ku iya amfani da su tare ba. Kuna so kuyi amfani da SingleCare idan farashinmu yayi ƙasa da farashin Medicare; duk da haka, waɗannan farashin ba za su ƙidaya zuwa ga abin da za a cire ba.

KARANTA NA GABA: Medicaid ya canza 2020