Momwe Chitetezo cha Umoyo chimakugwirirani Inu ku Medicare
Medicare si kwa iwo omwe ali oposa zaka 65 . Ndizopindulitsa kwa omwe ali ndi chilema, poganiza kuti amakumana ndi zifukwa zina zolemala . Vuto ndilo kuti simukufuna Medicare ngati mutapeza inshuwalansi ya mtengo wapatali kwinakwake.
Musagwiritse ntchito maganizo amenewo!
Kodi Ndi Olemala Otani Oyenera Odwala?
Ngati mutagwera m'gulu limodzi mwazigawo zolemala, mukhoza kulandira Medicare ngakhale mutakhala ndi zaka 65.
- Muli ndi amyotrophic lateral sclerosis (ALS) , yomwe imatchedwanso matenda a Lou Gehrig.
- Muli ndi matenda a impso otsiriza (ESRD) omwe amafunika dialysis kapena kusintha kwa impso.
- Mukulandira zopindula kudzera mu Railroad Retirement Board (RRB).
- Mumalandira Inshuwalansi Yopumitsa Bungwe la Social Security (SSDI) .
Kulipira M'dongosolo
Anthu omwe ali oyenera ku Medicare adalipiritsa phindu limeneli. Chiwerengero cha zaka zomwe inu kapena mkazi wanu mumapereka boma la federal mu misonkho ya malipiro sikuti mumangogwiritsa ntchito pulogalamu ya chithandizo chokwanira koma ndikulipiritsa ndalama zambiri. Ndalama za msonkhozi ndi cholinga choti muteteze madalitso anu pamene mukufunikira iwo mtsogolo.
Mtengo wa Medicare
Ngakhale Medicare imapereka chithandizo chamankhwala kwa olumala, si ufulu. Muyenera kulipira malipiro osiyanasiyana.
- Ndalama ziyenera kulipidwa pa Gawo A ngati wina sanagwiritse ntchito zaka 40 (zaka 10) za ntchito za msonkho.
- Aliyense amalipira malipiro a Gawo B , ndalama zomwe zimaperekedwa ndi ndalama zanu.
- Ngati mukufuna kugwiritsa ntchito mankhwala osokoneza bongo, mudzalipira malipiro a gawo la D.
M'malo mwa njirazi, mungasankhe ndondomeko ya Medicare Advantage. Mapulani a Medicare Advantage amaphatikizapo chilichonse chomwe Chigawo cha A ndi gawo B chigawochi chikhoza kuphatikizapo gawo D gawo ngati mukufuna.
Monga mbali zina za Medicare, ndondomeko izi zidzakulipirani mwezi uliwonse.
Zina zothandizira ndondomeko ya zaumoyo zimaphatikizapo zotsalira, ndalama zothandizira, komanso mapepala .
Pamene Mapulani A Inshuwalansi Amtengo Wapatali Kusiya Mankhwala
Mungapeze kuti njira zina za inshuwaransi ndizovuta kuposa Medicare.
Mapulani a Obamacare angaoneke ngati abwino koma samalani. Simukuloledwa kukhala ndi gawo lililonse la Medicare ndi dongosolo la Obamacare panthawi yomweyo. Chinthu chinanso chomwe chikanakhala kuti mulembe kuti mupeze chithandizo cha umoyo pa dongosolo la thanzi lanu. Ndibwino kuti mukhale oyenera kulandira chithandizo chamankhwala pogwiritsa ntchito zankhondo zanu, kaya ndi VA kapena TRICARE.
Pazochitikazi, mukhoza kuyesedwa kuti muchepetse Medicare kuti mupeze inshuwalansi ina. Pambuyo pake, palibe amene akufuna kulipira malipiro awiri ngati sakusowa. Muyenera kumvetsa kuti kuchepa kwa Medicare kungakhale ndi zotsatira zazikulu.
Sitikudziwikiratu panthawiyo momwe kubwezeretsa kwa Obamacare kudzakhudzanso kupeza inshuwalansi. Izi zidzatsimikiziridwa ndi ndondomeko yamtundu wotani yomwe Trump ikuyendera.
Gawo Lotsalira A Zolemba
Ngati mutaya gawo la Gawo A , mukhoza kutaya mwayi wanu wa Social Security. Izi zingaphatikizepo phindu lanu lotha pantchito kapena phindu la SSDI.
Sikuti mudzangowonongeka ndalama zam'tsogolo kuchokera ku Social Security koma mudzabwezera malonda onse a Social Security omwe munalandira kufikira mutakana Part A.
Chigamulo cha Khoti la Chigawo cha ku United States mu 2001 chinayankha nkhaniyi. Akuluakulu atatu a boma adagonjera boma chifukwa akufuna kusiya gawo A pofuna kugawidwa pansi pa ndondomeko ya Federal Employees Health Benefit (FEHB). Pa nthawi imodzimodziyo, iwo ankafuna kusunga maubwino awo.
Lamulo la 1965 lomwe linakhazikitsa Social Security ndi Medicare linapereka yankho. Woweruza Collyer ananena kuti "kufunafuna njira ya Otsutsa ndi ena pazochitika zawo kuti 'kusalembetsa' kungakhale kosiyana ndi congressional cholinga, chomwe chinali kupereka ' zovomerezeka ' phindu pansi pa Medicare Part A kwa omwe amalandira Social Security Phindu pantchito." Kutanthauzira, chigamulochi chimati anthu sangathe kusokonezeka kuchokera ku Medicare Part A popanda kutaya mwayi wawo wa Social Security.
Kuthetsa Chigawo B Kuwonjezera
Ngati mutayika gawo la B, mungakumane ndi chilango chochedwa mutatha kulemba nthawi ina. Mosiyana ndi Gawo A, izi sizingakupangitseni kuti mutaya zotsatira za Social Security. Izi ndi chifukwa simukulipira msonkho kwa Medicare Part B.
Zimene Muyenera Kuchita
Anthu ambiri amapeza gawo A kwaulere. Ngati ndi choncho, nthawi zambiri mumakhala ndi chidwi cholembetsa ndi kupitiliza chithandizo cha Medicare kuti muteteze madalitso anu a Social Security. Khalani osamala kwambiri potsatsa gawo Lanu. Zingakuwonongeni!
> Zotsatira:
> Ntchito Yachikhalidwe No. 08-1715 (RMC) - Maganizo a Memorandum. Khoti Lachigawo la United States ku webusaiti ya District of Columbia. https://ecf.dcd.uscourts.gov/cgi-bin/show_public_doc?2008cv1715-54. Lofalitsidwa March 16, 2001.