Kukhala Wokwatiwa Kungakupulumutseni Ndalama
Mosiyana ndi Medicaid , Medicare sichikuphimba aliyense m'banja mwanu. Aliyense ayenera kukwaniritsa zofunikira za Medicare boma lisanapereke zopindulitsa. Zomwe zimaphatikizapo sikuti ndi nzika zokhazokha zokha za US kapena malo ovomerezeka alamulo komanso umboni wa zosowa zachipatala. Zofuna zachipatala zimenezo zingakhale zogwirizana ndi kukhala ndi zaka 65 kapena kuposerapo kapena kukhala ndi chilema choyenerera .
Izi sizikutanthauza kuti moyo wanu wa banja sakhudza madalitso anu a Medicare.
Achinyamata Aang'ono Akuleredwa ndi Medicare Opindula
Mu 2010, Affordable Care Act ( Obamacare ) analola achinyamata osakwanitsa zaka 26 kukhalabe pazinthu za makolo awo. Vutolo? Makonzedwe ameneĊµa saonjezera kwa Medicare. Izi zikhoza kuyika mabanja ambiri pa ngongole kuti athandizidwe kuchokera ku thumba lazinthu zina zamankhwala.
- Makolo olumala angafunikire kupereka chithandizo cha thanzi kwa ana awo. Adzafunika kupeza njira ina yowonjezera inshuwalansi ndipo izi nthawi zambiri zimadutsa mu Medicaid. Medicaid ili ndi anthu 8.8 miliyoni olumala.
- Mavuto amakhalansopo kwa abambo ndi mabanja omwe ana amakulira ndi agogo awo. Zimanenedwa kuti agogo aamuna 2.7 miliyoni ali ndi udindo wa zidzukulu zawo. Ambiri a agogo amenewa adzakhala akuluakulu komanso a Medicare.
Bungwe la inshuwalansi ya umoyo kapena mapulani a inshuwalansi okhaokha angakhale njira zabwino zowonjezera chisamaliro cha ana awa.
Kufotokoza Ukwati Mogwirizana ndi Medicare
Pambuyo pa June 2013, ukwati wokhala ndi cholinga cha Medicare unatanthauzidwa kukhala mgwirizano pakati pa mwamuna ndi mkazi. Izi zinakhazikitsidwa mu 1996 Act of Marriage Act (DOMA). Pamene gawo la DOMA linachotsedwa mu 2013, boma la federal linapereka madokotala kwa anthu ogonana okhaokha koma ngati ankakhala m'mayiko omwe anazindikira maukwati awo.
Khoti Lalikulu Kwambiri ku United States lakhazikitsa DOMA. Kuyambira mu June 2015, maukwati onse, amuna okhaokha kapena amuna kapena akazi okhaokha, amadziwika kuti ali ndi kachilombo ka Medicare mosasamala kanthu komwe amakhala m'dzikoli.
Kuyenerera kwa Medicare Kupulumutsa ndi Ukwati
Pali njira zingapo zomwe banja lingakusungire ndalama ku Medicare. Gawo lililonse la Medicare liri ndi malamulo ake. Mukamapereka misonkho pamodzi, mutha kuikidwa mu ndalama zosiyana zomwe zingasinthe kuchuluka kwa ndalama zomwe mukuyenera kulipira pa Part B kapena Part D premiums. Malingana ndi ndalama zomwe mumalandira, mukhoza kukhala ndi mapulogalamu osiyanasiyana a Medicare . Zopeza ndalama za mapulogalamuwa zingakhale zochepa kwa okwatirana kusiyana ndi anthu osakwatira.
Phindu lalikulu kwambiri limabwera ndi kufalitsa kwa Medicare Part A. Mukhoza kulandira inshuwaransi ya chipatalayi kwaulere, kutanthauza kuti simudzalipira mwezi uliwonse, ngati mwakhala mukugwira ntchito zaka 10 (40 peresenti) mu ntchito yoyenera ya Medicare. Chofunika kwambiri, boma likufuna kudziwa kuti inu munalipira gawo lanu la misonkho mokwanira. Zingakhale choncho kuti simunagwiritse ntchito nambala yokwanira kuti muyenerere. Komabe, mukhoza kulandira gawo laulere gawo loyamba pa zolemba za mnzanuyo.
Kuti izi zitheke, mwamuna kapena mkazi wanu akuyenera kuti akhale woyenera pa Social Security ndipo apereka gawo la 40 pa ntchito ya Medicare-taxed.
Muyeneranso kukwatira kwa chaka chimodzi musanayambe kugwiritsa ntchito mfulu Gawo A phindu.
Kodi Kusudzulana Kumakhudza Bwanji Medicare Costs?
Ngati mutasudzulana, mutha kupindula ndi mbiri ya ntchito ya mkazi wanu wakale pansi pazifukwa izi:
- Mudakwatirana zaka 10 musanakwatirane.
- Iwe umakhala wosakwatira.
Kodi Kukhala Wachibale Wamasiye Ndi Chiyani kwa Medicare Costs?
Ngati uli wamasiye, ukhoza kulandira ufulu Gawo A pansi pazifukwa izi:
- Mwakwatirana kwa miyezi isanu ndi iwiri mkazi wanu asanamwalire.
- Iwe umakhala wosakwatira.
Kodi Chimachitika Bwanji kwa Medicare Costs Pamene Mukukumbukira?
Kuyamikira pambuyo pa chisudzulo kungakhale ndi zotsatira zosiyana pa ufulu wanu wa Medicare.
- Ngati mwakwatiranso ndipo mwamuna kapena mkazi wanu wakale ali moyo. Mkwatibwi wanu wakale sudzagwiritsidwanso ntchito ndi Medicare pakuzindikira gawo lanu la Part A mtengo.
- Ngati mutakwatiranso ndipo mwamuna kapena mkazi wanu wakale akupita. Mudzakhala oyenerera ku Gawo A pa zolembera za mwamuna kapena mkazi wanu akale mukakwatiranso mukatha zaka 60.
- Ngati mutakwatiranso ndikutsutsa. Gawo Lanu A malipiro angapangidwe pa zolemba kwa wina aliyense amene kale anali naye ngati mutakhala wosakwatiwa.
> Zotsatira:
> Kuyenerera. Webusaiti ya Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/index.html.
> Makolo achibale. Mibadwo United. http://www.gu.org/OURWORK/Grandfamilies.aspx.