Nchifukwa chiyani wina akufuna kukhala ndi ndondomeko ya inshuwalansi yoposa imodzi? Zimadalira amene mumapempha. Mutha kuwonjezera zoonjezera kuti mutsimikizire kupeza ntchito zonse zothandizira zaumoyo zomwe mukusowa. Medicare ndi ena a inshuwalansi, komano, ali ndi chidwi china chodziwika. Ngati muli ndi ndondomeko imodzi yokha ya thanzi, amatha kusinthitsa katundu wolipira ku phwando lina.
Musadandaule. Wina akuyendetsa ndalamazo, ndipo malinga ngati aliyense akupita molingana ndi ndondomeko, siziyenera kukhala iwe. Muyenera kumvetsetsa yemwe atibwezere choyamba ndi yemwe, ngati wina, adzalipira ndalama zomwe zatsala. Apa ndi pamene Medicare Secondary Payer ikugwiritsidwa ntchito.
Chifukwa Chimene Mungafunire Kuposa Zomwe Mankhwala Amapereka
Medicare imapereka chithandizo chamankhwala kwa anthu oposa 56.8 miliyoni a ku America, koma izi sizikutanthauza kuti ndizofunikira zonse zomwe zimafunikira. Taganizirani zinthu izi zomwe Medicare imakusiya kuti uzilipire kunja kwa thumba:
- Kupangidwanso
- Kusamalira paulendo wakunja ndi zosawerengeka
- Mankhwala okhudza tizilombo kupatula kukonza kugwirizana kwa msana
- Makina openyetsa maso (magalasi opangira maso kapena magalasi a maso)
- Kusamalidwa (kusamba, kuvala, chimbudzi)
- Manyowa
- Kusamalira mapazi
- Zothandizira
- Kusamalira kunyumba kwa nthawi yaitali
- Kuyenda kosafulumira ndi zopanda zochepa
- Mankhwala owonjezera, mavitamini, ndi zowonjezereka
- Mankhwala olemba mankhwala m'zinthu zina
- Kuyenda makoswe kwa akhungu
Izi sizowonjezera, koma ndizosadabwitsa kuti anthu ena amayesetsa kulandira chithandizo chamankhwala kuti athetse vutoli. Ngakhale pali njira ya Medicare Supplement Plans, yomwe imadziwikanso ngati ndondomeko ya Medigap , kuti ithandize Medicare kuti asatengere ndalama za ndalama (mapepala , ndalama zothandizira ndalama, ndi zopatsa ndalama ), mapulani awa samaphatikizapo zowonjezera zowonjezera zaumoyo pazomwe mukuphunzira.
M'malo mwake, anthu ambiri amapita ku inshuwalansi ina monga momwe amagwiritsira ntchito ntchito zothandizira anthu, ntchito zamagulu, ndi zopindulitsa kuti athe kupeza chithandizo chomwe akufunikira.
Medicare ndi Employer-Zothandizira Zaumoyo Zothandiza
Chaka chothawa pantchito ya Social Security madalitso omwe amakhala nawo ali ndi zaka 65, msinkhu womwewo umayenera kukhala ndi Medicare . Zonsezi zinasintha mu 1983 pamene Congress inapereka lamulo kuti liwonjezere zaka zopuma pantchito kuchokera pa tsiku lobadwa. Kwa anthu obadwa pakati pa 1943 ndi 1954, zaka zapuma pantchito tsopano zakhala ndi zaka 66. Pang'onopang'ono zaka zapuma pantchito zikuwonjezeka kufika pa zaka 67 zokha kwa omwe anabadwa pambuyo pa 1960. Kutaya msinkhu kuposa zaka zosankhidwazi kudzakuchititsani kupeza ndalama zochepa kuchokera ku Social Security.
Chotsatira chake ndi chakuti anthu ambiri akugwira ntchito nthawi yayitali kuti apititse patsogolo ndalama zawo zapuma pantchito. Kugwira ntchito kumawapatsa mwayi wopezera chithandizo chamankhwala kupyolera mwa abwana awo kuti asankhe kupitilira yekha, apitirizebe kulembera Medicare, kapena kuletsa ndi Medicare m'malo mwake.
Ndondomeko yanu yothandizira olemba ntchito yanu ingagwirizane ndi mwamuna kapena mkazi wanu , pamene Medicare imakuphimba nokha. Ndondomekozi zingathenso kugwira ntchito zomwe Medicare sizichita. Ngati muli oyenerera nthawi yolembera yapadera , mutha kulemba ku Medicare popanda kuyang'anizana ndi chilango mwamsanga mukamaliza kulemba.
Izi zikhoza kukupulumutsani ndalama zambiri chifukwa simungathe kulipira pulogalamu yamakono awiri.
Pamene muli ndi Medicare komanso ndondomeko yathanzi, Medicare ikhoza kulipira kokha nthawi zina. Chisankhocho chimachokera pa msinkhu wanu, kaya muli ndi matenda otchedwa renal stage (ESRD) kapena chilema china, ndipo ndi angati omwe amagwira ntchito kwa abwana anu.
Ngati simukugwirizana ndi Medicare kuti mulipire choyamba, ndondomeko ya umoyo wanu idzaperekedwa m'malo mwake. Chimene iwo samalipiritsa chidzaperekedwa kwa Medicare. Medicare adzalipiritsa ntchito zothandizira zaumoyo zomwe zikhoza kubisala malinga ngati zikuwoneka ngati zofunikira za mankhwala.
| Medicare adzalipira poyamba | Medicare amapereka chachiwiri |
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Medicare ndi COBRA
Chifukwa cha Consolidated Omnibus Budget Reconciliation Act (COBRA) ya 1985 mukhoza kupitiriza ntchito yanu yothandizira abwana mutasiya ntchito yanu. Lamulo limafuna olemba ntchito ogwira ntchito nthawi zonse 20 kuti apereke mwayi wopita kuntchito yawo kwa nthawi yaitali, kawirikawiri miyezi 18, ntchito yanu itatha pamapeto pake. Kutalika kwa kufalitsa kwa COBRA kungapitirire kwa miyezi 36 ngati zinthu zina zatha.
Medicare ndi COBRA ali ndi mgwirizano wonyenga. Ngati muli ndi COBRA pamene mukulembera ku Medicare, kufotokoza kwanu kwa COBRA kungathe kutha tsiku limene mukulembera ku Medicare. Ngati muli ndi Medicare mukakhala oyenera ku COBRA, mumaloledwa kulowa ku COBRA.
Ngati muli ndi COBRA ndi kukhala Medicare-oyenera nthawi imeneyo, muli ndi chisankho chofunika kwambiri. Kulembera ku Medicare kukutanthauza kuti mudzataya zofuna zanu za COBRA, ngakhale mutha kupitilira chithunzichi kwa mwamuna kapena mkazi wanu. Ngati mwasankha kuchepetsa kulembetsa ku Medicare, dziwani kuti mudzakumana ndi chilango chakumapeto pamene mutatha kulemba. Zopindulitsa za COBRA sizikuyeneretsani nthawi yolembetsa yapadera ndi Medicare.
| Medicare adzalipira poyamba | Medicare amapereka chachiwiri |
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Malipiro a Medicare ndi Ogwira Ntchito
Malipiro a ogwira ntchito amagwira ntchito mosiyana mosiyana ndi momwe abwana anu amathandizira. Ndi mgwirizano wovomerezedwa ndi boma pakati pa inu ndi abwana anu omwe amanena kuti simudzawadzudzula malinga ngati akuphimba ndalama zanu pa ntchito iliyonse yovulala. Mukalandira kulandira malipiro a antchito, simungathe kupeza chilango cha chilango cha kuvulaza kumeneku. Ngati mutapanda phindu, mungathe kumangirira zopweteka ngati ululu ndi kuvutika.
Pamene mumalipiritsa malipiro anu ndondomeko ya thanzi lanu, antchito omwe amapereka malipiro amaperekedwa ndi abwana anu. Palibe malipiro kwa inu. Pambuyo pa kuvulala, mumapereka chidziwitso ndi kuyesa kumachitika kuti mudziwe ngati zowawa zanu zakhala chifukwa cha malo anu ogwira ntchito.
Zingakhale choncho kuti malipiro a ogwira ntchito akutsutsa malingaliro anu kapena amangowasungira pang'onopang'ono malingana ndi chikhalidwe chisanayambe . Mwachitsanzo, ngati muli ndi ululu wosachiritsika koma ululu wanu wam'mbuyo umakula pambuyo povulazidwa, zingakhale zovuta kudziwa momwe abwana anu analiri ndi udindo pa zizindikiro zanu. Medicare amayenda panthawiyi kuti apereke malipiro oyamba.
Malipiro a antchito akhoza kubwezera ndalama zomwe mumagula pa nthawi yomwe akuchitika kapena angakupatseni nthawi yokhazikika. Zina mwa ndalamazi zikhoza kuikidwa mu Mgwirizano Wowonjezereka wa Medicare Set Extreme (WCMSAA), zomwe zimakonzedweratu kusungira ndalama zothandizira zam'tsogolo zowonongeka zilizonse zomwe zimayambitsa mavuto aakulu. Medicare sungapereke ndalama mpaka ndalama za WCMSAA zitatha.
| Medicare adzalipira poyamba | Medicare amapereka chachiwiri |
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Medicare ndi Mapindu Amagulu a Zachimuna
Ngati ndinu wachikulire, wogwira ntchito yothandizira, kapena wogwira ntchito pantchito yunifolomu yomwe mungakhale nayo mwayi wathanzi pa Veteran Administration (VA) kapena pulogalamu yotchedwa TRICARE. Madalitsowa amalumikizana ndi Medicare m'njira yapadera.
Choyamba, VA amapindula atha kulandira chithandizo chomwe adalandira kuchipatala cha VA.
Chachiwiri, Medicare sichidzapidwa chifukwa cha chithandizo chomwe chinaperekedwa ndi VA phindu komanso mosiyana. Palibe vuto la malipiro oyambirira kapena ochepa apa.
Chachitatu, TRICARE ndi Medicare amagwira ntchito pamsonkhano. Medicare amagwira ntchito monga malipiro akuluakulu a ntchito za Medicare ndipo TRICARE imapereka mankhwala alionse omwe amadalitsidwa kapena ndalama zomwe zimakhudzana ndi mautumikiwa. Ngati ntchito siilimbikitsidwa ndi Medicare, TRICARE idzagwira ntchito ngati mwiniwake wamkulu.
Malingana ndi chisamaliro chomwe mumalandira, n'zotheka kukhala ndi Medicare ndi TRICARE kukhala olipira malire pa nthawi yomweyo!
> Zotsatira:
> Medicare ndi Madalitso ena aumoyo: Buku Lanu kwa Amene Akuyamba Kuyamba. Maofesi a Medicare ndi Medicaid Services. Chiwongola dzanja
> Medicare Kulembetsa Dashboard. Maofesi a webusaiti ya Medicare ndi Medicaid Services. https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/Dashboard/Medicare-Enrollment/Enrollment%20Dashboard.html. Idasinthidwa July 2016.
> Medicare Secondary Payer. Maofesi a webusaiti ya Medicare ndi Medicaid Services. https://www.cms.gov/Medicare/Kuthandizira-of-Benefits-and-Recovery/Coordination-of-Benefits-and-Recovery-Overview/Medicare-Secondary-Payer/Medicare-Secondary-Payer.html. Idasinthidwa pa January 30, 2014.
Malipiro a Ogwira Ntchito Medicare Anapanga Zokonzera Zosiyana. Maofesi a webusaiti ya Medicare ndi Medicaid Services. Chigwirizano: Kusinthidwa pa 18 April, 2016.