2019年医疗保险A部分费用

How to Budget Your Health Expenses

Doctor checking senior mans back in examination room
英雄图片/盖蒂图片

医疗保险和医疗补助服务中心已宣布2019年的医疗保险费用。Everyone,不管他们的收入如何,将受到现金支出增加的影响。使用这些数字来指导您在新年的医疗费用。

部分保险费

医疗保险A部分对99%的美国人是免费的。This is because most people have paid into the system for years with医疗保险和社会保障的雇员税.如果有人未缴纳40个季度(10年)或以上的医疗保险税,然而,他们将被要求支付以下医疗保险费。

支付的医疗保险税季度 你的2019个代价 2018年起变更
40 quarters or more $0 per month 没有变化
30至39个季度

每月237美元

2美元,每年844

每月增加5美元

每年增加60美元

少于30个季度

每月437 422美元

$5,每年244

$15 increase per month

$180 increase per year

2019年A部分保费

It is in your best interest to work up to 40 quarters if possible.This could mean delaying your retirement until you have met enough quarters of federally taxed employment. If you work 40 or more quarters,它可以为你节省数万美元,部分是你一生的保费。这可能会对你舒适退休的能力产生重大影响。

The good news is that if you have not worked 40 quarters yourself,根据您配偶的工作经历,您可以获得免费的A部分保费。只要你已婚或离婚后仍然单身,至少10年,这一点就适用。You may be eligible to use your spouse's record if you are widowed too.The only rule is that you remain single and were married to your spouse for at least 9 months before they passed away.规则再婚的人会有点棘手。

Please note that any money you earn"under the table"不计入您获得免费A部分保费的资格,因为没有记录税收。

Part A Deductibles and Copayments

医院费用skilled nursing facility costs,not surprisingly,正在上升。In 2018,the average monthly rate for a semi-private room is $7,441。对于私人房间,费用高达8美元,365。那是89美元,297 and $100,每年375次。如果你住在阿拉斯加,康涅狄格夏威夷,Massachusetts or New York expect to pay more.These are the most expensive states for nursing home care in the country.

A flat deductible rate is charged for each inpatient admission,这包括保险范围inpatient only surgeries.该免赔额包括60天内的所有费用,但不包括physician fees which are covered by Part B.After 60 days,每多住院一天,您将被收取一笔共付费用。

Day of Inpatient Hospital Care 你的2019个代价 2018年起变更
住院医院免赔额第0-60天

1美元,每住院364次

$24 total increase

住院医院共付第61-90天

每天341美元

$6 per day increase

住院医院共付第91天以上

每天682美元

每天增加12美元

2019年A部分住院病人住院费用

在住院病人住院后的头20天,在专业护理机构住院期间(SNF)接受的护理从来没有免赔额。这里的事情会变得棘手,因为有些人接受观察,而不是住院。仅仅在医院过夜并不能使你成为住院病人。

SNF护理日 你的2019个代价 2018年起变更
SNF days 0-20 0美元 没有变化
SNF天数21-100 每天170.50美元

每天增加3美元

SNF天数100 + 受益人自付的所有费用 没有变化
2019 Part A Skilled Nursing Facility (SNF) Costs

The bad news is that Medicare does not pay for care that is not associated with a hospital stay.People in need of long-term care需要找到另一种支付养老院费用的方法。For that reason,,许多老年人也需要申请医疗补助。.

A Word from 澳门金莎国际网Verywell

If you are lucky,you will never need to use Medicare Part A.You would never need hospitalization,你永远不需要一个熟练的护理机构,你也永远不需要临终关怀.Ultimately,it is important to have this coverage should you ever need it and to know how much it would cost.

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