Momwe Mungagwiritsire Ntchito Zopindulitsa Zomwe Zimalongosola ndi Kufotokozedwa mu Chingerezi Chosavuta
Mudziko la inshuwalansi, kulengeza ngongole ndi inshuwalansi yomwe munali nayo kale kuti mupeze ngongole pamene mukupempha inshuwalansi yatsopano.
Nchifukwa chiyani mungafunike ngongole chifukwa cha inshuwalansi yapitayi? Nthawi zina, inshuwalansi yanu yatsopano imatha kukupangitsani kuti simunayambe kufanana nawo kale. Komabe, ngati mutakhala ndi kufanana kotereku m'zaka zaposachedwa, mudzalandira ngongole ya chithandizochi ndipo simudzapatsidwa chilango.
Zochitika Ziwiri Zomwe Zili Zofunika Kwambiri Nkhani
Medicare Part D & Coverage Choverage
Ngati simukulembera mankhwala a mankhwala a Medicare Part D pamene mukuyenera kulandira, nthawi zambiri mukapitirira zaka 65, mudzapatsidwa chilango polipiritsa malipiro apamwamba pamwezi mukadzatha kugula Medicare Part D Kuphunzira.
Lamulo ili liripo polepheretsa anthu kutchola dongosolo. Popanda lamulo ili, anthu akhoza kusiya gawo lachigawo D kuti awononge ndalama zapakati pa mwezi pamene ali ndi ndalama zochepa, koma alembeni gawo lachigawo D pamene mankhwala awo pamwezi ndi okwera mtengo kusiyana ndi ndalama za inshuwalansi pamwezi. Medicare imalepheretsa maseĊµerawa a pulogalamuyi popanga anthu omwe akulembera Medicare Part D mochedwa amalipira chilango chachuma ngati ndalama zapamwamba za mwezi uliwonse. Kwa mwezi uliwonse mumakhala opanda chidziwitso, mankhwala anu a Medicare Part D adzakhala 1% apamwamba. Ngati mutayina miyezi 25 mochedwa, malipiro anu adzakhala 25% apamwamba malinga ngati muli ndi Medicare Part D.
Komabe, sizomveka kukulembani ndi ndalama zapamwamba ngati mulibe kugwiritsidwa ntchito kwa Medicare Part D pamene mutangoyamba kukhala woyenera chifukwa mudali ndi kalembedwe ka mankhwala monga mwa abwana anu, ogwirizana, abwana anu ndondomeko. Pankhaniyi, simunayesere kuchita masewerawa; inu mukuyesera kuti musapeze kulipira kawiri pa chiwerengero chomwecho.
Lowetsani lingaliro la kulengeza ngongole. Ngati mutha kukuwonetsani kuti muli ndi chithandizo china chomwe mungaperekeko, mudzapatsidwa ngongole chifukwa cha chithandizochi ndipo mudzalipira malipiro oyenera, osati malipiro oyambirira.
Kulemba mankhwala osokoneza bongo omwe amawerengedwa kuti ndi oyenera ku Medicare Part D ayenera kukwaniritsa zonsezi:
- Kulemba mankhwala osokoneza bongo mumakhala osapitirira nthawi yowerengeka kwa masiku 63 kapena kuposerapo kuyambira mutayamba kulemba ku Medicare Part D.
- Phindu la inshuwalansi ndilofanana kapena likuposa momwe chiwerengero cha Medicare Part D chiyenera kukhalira.
Kodi mungadziwe bwanji ngati chithandizo chamankhwala chamakono chidzawerengedwa ngati Medicare Part D? Wopereka inshuwalansi wanu akuyenera kukuuzani. Ogwirizanitsa akuyenera kutumiza chidziwitso cha ngongole kwa olembetsa awo omwe ali oyenerera ku Medicare Part D kufotokoza. Chidziwitso chimenechi chiyenera kubwera musanatengere Medicare yanu yoyamba kugawo la D oyenerera komanso nthawi iliyonse yolembera .
Medicare Part B & Buku Lopindulitsa
Malamulo omwewo ndi oona kwa Medicare Part B. Ichi ndi gawo la Medicare lomwe limapereka ntchito zachipatala ndi zachipatala, ndipo onse opindula a Medicare amalipira malipiro a gawo la B (mosiyana ndi gawo A, lomwe ndi lopanda kwa ambiri olembetsa, popeza adalipira msonkho wa Medicare pa zaka zawo za ntchito).
Koma chilango chiwerengedwa mosiyana pang'ono. Kwa miyezi 12 yomwe simunalembetse ku Part B mutayenerera, ndipo panthawi yomwe simunayambe kulandira malipiro omwe adatenga gawo la B, gawo lanu la B B lidzakula ndi 10 peresenti. Kotero ngati simukulembetsa gawo B mpaka miyezi 37 mutayenera, ndipo mulibe malipiro oyenera pa nthawi imeneyo, mudzalipira malipiro A Part B omwe ali oposa 30 peresenti kuposa mlingo woyenera, Nthawi yonse yomwe muli ndi gawo B.
Ngati mutha kulembetsa kulembera mu Gawo B, chiwerengero chanu choyenera kuti chikhale choyenera chiyenera kukhala kuchokera ku ndondomeko yamakono yomwe munagwiritsira ntchito (anu kapena a mwamuna kapena mkazi wanu).
Mosiyana ndi gawo D, tafotokozedwa pamwambapa, phindu la thanzi labwino silingaganizidwe kuti ndiwongolera ngongole Gawo B. Ngati mutasiya ntchito zaumoyo, muyenera kulembera mu gawo B pamene mukuyenera kuti mupewe chilango kenako.
Chikhalidwe Chisanafikepo, Zomwe Zimakhalapo, ndi Zomwe Zili Zokwanira
Pambuyo pa Malamulo osamalira mtengo , zinthu zomwe zakhalapo kale zinali zopinga kwa anthu omwe anali kupeza chithunzi pamsika wawo, komanso ngakhale msika wogulitsidwa. Pa msika wina aliyense, mabungwe a inshuwalansi m'mayiko ambiri akhoza kungokana pempho kuchokera kwa anthu omwe alipo kale, osatengera chikhalidwe chomwe chilipo kale, kapena kuwonjezera phindu. Kawirikawiri sizinalibe kanthu ngati munthuyo anali ndi chithunzi choyambirira kapena ayi.
Tsopano, ACA imaletsa chikhalidwe chomwe sichikupezekapo muzinthu zonse zapamwamba za inshuwalansi zachipatala kupatula ndondomeko zaumoyo wathanzi. Ndondomeko zazikulu zomwe zidakalipo kale sizinali zogulidwa kuyambira 2010, koma anthu omwe adakhala nawo kuyambira pamene ACA asanakhazikitsidwe amatha kuwasunga malinga ngati inshuwalansi ikuwalola kuti apitirize kugwira ntchito, ndipo malingaliro awo ambiri analipo kale chikhalidwe chosankhika.
Koma mu msika wogulitsidwa ndi abwana, Health Insurance Portability Act (HIPAA) yachepetsa zotsatira za zinthu zomwe zakhalapo kale kuyambira m'ma 1990. Pansi pa HIPAA, ndondomeko zogwiritsidwa ntchito ndi abwana sizikanatha kukana anthu olemba nkhani zachipatala, ndipo ngakhale kuti nthawi yayitali yakhala ikuyembekezeredwa nthawi yaitali kuyembekezera, zikhoza kuchepetsedwa kapena kuthetsedwa pamene olembetsa amatha kusonyeza umboni wa chinsinsi choyambirira. Kuti mudziwe zambiri zokhudza momwe HIPAA inathandizira anthu omwe ali ndi nthawi yomwe ilipo kale akugwiritsa ntchito chithandizo chawo chokwanira, onani " Zotsatira Zomwe Zilipopo - Kumvetsa Zopanda Phindu ndi Zopindulitsa ."
Ngakhale kuti chitetezo cha HIPAA chidalipobe, anthu omwe akulembera malingaliro omwe amagwiritsidwa ntchito ndi abambo sakufunikiranso kusonyeza umboni wodalirika kuti athe kupeĊµa nthawi yomwe akuyembekezera, monga momwe ACA imalekerera nthawi zoterezi.
Zotsatira:
Code of Federal Regulations, 42 CFR 423.46 - Chilango cholembera.
Code of Federal Regulations, 42 CFR 423.56 - Ndondomeko zowonetsera ndi kulembetsa momwe mungagwiritsire ntchito ndalama zogwiritsira ntchito mankhwala osokoneza bongo.
Medicare.gov. Gawo B Chilango Cholembetsa Chachidule.
Medicare.gov. Zindikirani Zopindulitsa.