Okalamba onse Achimereka 65 kapena Achikulire ndi Oyenerera a Medicare
Pafupi ndi America aliyense yemwe ali ndi zaka 65 kapena kuposerapo ali woyenera Medicare , ndipo pafupifupi onsewa ali oyenerera Medicare Part A (inshuwalansi ya chipatala) opanda malipiro.
Komabe, si onse omwe ali ndi zaka 65 kapena kuposera amafuna kulandira Medicare. Anthu ena amamva ngati akukakamizidwa kupita ku Medicare ali ndi zaka 65 zokha zotsutsana ndi zofuna zawo.
N'chifukwa chiyani zili choncho?
Ndichifukwa chiyani ndikukakamizidwa ku Medicare ali ndi zaka 65?
Ngati inu kapena mwamuna wanu munagwira ntchito zaka khumi ndi zitatu pantchito komwe Misonkho ya Medicare inalepheretsedwa (kuphatikizapo ntchito yodzipangira nokha komwe munadzipiritsa misonkho yanu), mutha kulandira Medicare mukatha kumasulira 65.
Omwe akubwera kumene sali oyenerera ku Medicare, koma atakhala okhala ndi chilolezo kwalamulo kwa zaka zisanu ndipo ali ndi zaka 65, ali ndi mwayi wogula chithandizo cha Medicare-mosiyana ndi kupeza Medicare Part A kwaulere-yomwe ndi njira yomweyo amapezeka kwa anthu a ku America omwe amakhala nthawi yaitali omwe alibe mbiri ya ntchito yomwe imawapatsa mwayi wa Medicare Part A (ngakhale kuti anthu ambiri amalandira Medicare Part A popanda malipiro, amawononga $ 422 / mwezi kwa anthu omwe akuyenera kugula chifukwa ali ndi zaka zochepa chabe kapena zosawerengeka za ntchito).
Omwe amalandira Social Security amapindula amatha kulembedwa ku Medicare akafika zaka 65.
Palibe njira yothetsera Medicare mukakhala 65 ngati mutalandira Social Security. Mwina mwalembetsa ku Medicare Part A, kapena mumataya mwayi wanu wa Social Security. Anthu ambiri sali okonzeka kutaya mwayi wawo wa Social Security, ndipo amalola kulembetsa ku Medicare. Dziwani kuti mukufunikira kuti muvomereze Medicare Part A-yomwe ndi yopanda malire ngati mukulandira zopindulitsa za Social Security kuti muzisunga madalitso anu a Social Security.
Mukuloledwa kukana Medicare Part B -izo zimayendera -ngati mutasankha kuchita zimenezo, ngakhale mutakhala pansi pa chilango cholembera ngati mwasankha kulembera Part B tsiku lotsatira.
Pali zifukwa zambiri zokhudzana ndi chifukwa chake dongosololi lakhazikitsidwa motere, koma mwatsoka, palibe yankho lolunjika kapena lolunjika. Mwinamwake lamuloli linakhazikitsidwa kuti likhale losavuta kuti okalamba azilembera ku Medicare akatha msinkhu wa zaka 65, koma sanasiye konse pokhapokha pokhapokha pokhapokha paliponse. Kuphunzira payekha kunalibe kofala monga momwe zilili panopa, zomwe zikanasiya okalamba ambiri opanda chisamaliro. Izi zinapereka vuto pamene mosakayikira amafunikira chisamaliro.
Mosasamala chifukwa chake dongosololi lakhazikitsidwa monga momwe ziliri, malamulo ndiwo malamulo, ndipo sizingatheke kusintha posachedwa.
Kuchotsedwa kwa Mapangidwe A kampani pa 65
Ngati simunapite 65 koma mutapuma pantchito ndikupindula ndi umoyo wanu wochokera kuntchito, onetsetsani kuti mukudziwa malamulo a abwana okhudza Medicare. Olemba ena sapitiriza kupereka chithandizo chokhalitsa pantchito kwa ogwira ntchito akale atakhala ndi zaka 65, osankha m'malo ochotserapo ntchito kuti asinthidwe okha ndi Medicare.
Popanda kufotokoza kuchokera kwa kampani yanu, mukufunika Medicare kuti muonetsetse kuti mwakonzekera nkhani zomwe zimabwera ndi ukalamba.
Makampani ena sangadule munthu aliyense ali ndi zaka 65, koma m'malo mwake akupitiriza kupereka zopindulitsa zothandizira pantchito, zomwe zingagwiritsidwe ntchito pamodzi ndi Medicare (zingafunike kuti mulembetse ku Medicare Part A ndi Part B kuti muthe alandire madalitso ochuluka-monga kufalitsa kachiwiri-kuchokera kuntchito yopuma pantchito). Zowonjezerapo zowonjezereka zaumoyo zimaphatikizapo kulandira mankhwala osokoneza bongo (zomwe sizikugwiritsidwa ntchito ndi Medicare, koma zingagulidwe kudzera pa Medicare Part D ngati mulibe mwayi wothandizira pulogalamu yowonjezera ntchito), madokotala, ndi zina zaumoyo chisamaliro.
Medicare idzakhala gawo lanu loyamba ngati mutaphimbidwa ndi ndondomeko yathanzi, ndi ndondomeko yoperekedwa ndi abwenzi anu akale omwe mukugwira nawo ntchito yachiwiri.
Ngati muli ndi malonda pamsika, ogulitsidwa kapena kusinthanitsa, muyenera kulankhulana ndi osonkhanitsa kapena inshuwalansi kuti muwafunse kuti awone ngati mukusintha kupita ku Medicare. Pambuyo pa ACA, omwe ali ndi inshuwalansi pamsika sangathe kulimbikitsa aliyense pa zaka 64, choncho mapulani adathetsedwa pomwe anthu atakwanitsa zaka 65. Izi siziri choncho, kotero olembetsa ayenera kuonetsetsa kuti akuchotsa msika wawo Kuwunika pamene akusintha ku Medicare.
Palibe lamulo lomwe linganene kuti muyenera kusiya dongosolo lanu la msika mukamalembera ku Medicare, ngakhale kuti palibe chifukwa chotsatira ndondomeko ya malonda mutatha kulemba ku Medicare. Ndipo ngati mukulandira ndalama zowonjezerapo kuti muthe kuwononga ndalama za malonda anu pamsika, izo zidzatha pamene mutasintha zaka 65.
> Zotsatira:
> Magulu a Medicare ndi Medicaid Services. Mafunso Ofunsidwa Kawirikawiri Ponena za Medicare ndi Marketplace . August 1, 2014.
> Medicare.gov. Medicare Mitengo 2018 pa Ulemerero.
> Medicare.gov. Gawo B Chilango Cholembetsa Chachidule.
> Medicare.gov. Kuchotsa Inshuwalansi.
> Medicare.gov. Lowani / Kusintha Mapulani.