Okalamba Amphamvu 6 Oposa Amapanga Pamene Akubwera ku Kulembetsa Mankhwala

Lowani Tsopano, Sungani Ndalama Patapita

Zowonongeka, zopatsa malipiro, malipiro ndi ndalama zothandizira. Izi ndizofunika ndalama zokhudzana ndi inshuwalansi. Medicare sizosiyana.

Anthu ambiri omwe samayembekezera ndi malipiro owonjezeka omwe amabwera ndi Medicare, makamaka mukalemba mochedwa kwambiri. Mankhwala a Medicare A, B, ndi D aliwonse amakhala ndi chilango chake chochedwa . Mtengo kwa inu ukhoza kukhala paliponse kuchokera mazana mpaka zikwi za madola pa moyo wanu wonse. Pali zolakwa zambiri zomwe anthu amapanga polemba Medicare.

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Inu mukuganiza kuti Kulembetsa Medicare ndi Wodzipereka

Ngati mwalandira kale chitetezo cha Social Security pamene mutakwanitsa zaka 65, kaya ndizopuma pantchito kapena zopumula , mutha kulembedwa ku Medicare Parts A ndi B. Ngati simunalandire madalitso a Social Security, muyenera kulembetsa onse mbali za Medicare zokha.

Mulimonsemo, musaiwale kulembetsa gawo D ngati mukufuna kugwiritsa ntchito mankhwala osokoneza bongo. Izi sizidzangokhala zokha.

Pamene zaka zapuma pantchito zinali ndi zaka 65, zopindulitsa za Social Security ndi Medicare zinagwirizana. Zonsezi zinasintha mu 1983 ndi ndondomeko yowonjezera yomwe pang'onopang'ono yawonjezereka zaka zomwe mutha kupeza phindu lonse la Social Security. Tsopano aliyense yemwe anabadwa asanafike 1937 ali woyenera ali ndi zaka 65, ndipo aliyense wobadwa pambuyo pa 1960 ali woyenera pazaka 67. Anthu ambiri amagwera pakati, kutanthauza kuti madalitso awo a Medicare ndi Social Security sadzakhala ovomerezeka.

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Musayesetse Medicare Mukapitirira 65

Pali njira ziwiri zopezera Medicare. Choyamba ndi kukhala ndi chilema choyenerera , china ndi zaka. Ambiri ammayiko amatha kukhala ndi Medicare akadzakwanitsa zaka 65 .

Mukhoza kulemba miyezi isanu ndi umodzi musanafike miyezi itatu mutatha kubadwa kwanu kwachisanu ndi chimodzi. Mukamapanga mwezi wanu wobadwa, izi zimakupatsani miyezi isanu ndi iwiri yokwanira kuti mulembe pulogalamuyi.

Pewani Nthawi Yowunikira Yoyamba ndipo mukhoza kukhala pa chilango chakumapeto kwa mankhwala a Medicare A, B, ndi D. Izi zilango zingakudyetseni mazana masauzande a ndalama ngati muli pa Medicare.

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Simukuvomereza Mankhwala Chifukwa Chakuti Mukugwira Ntchitobe

Anthu ena amakhulupirira kuti sayenera kulemba kwa Medicare mpaka atachoka pantchito ndipo salinso ndi mwayi wothandizira zaumoyo. Ndiponsotu, palibe amene akufuna kulipira kachitidwe ka thanzi limodzi.

Kusankha kungakhale kophweka kwa anthu ena koma osati kwa aliyense. Zonse zimadalira kukula kwa kampani yomwe ikukugwiritsani ntchito.

Ngati kampani imene mumagwira ntchito imagwiritsa ntchito antchito osakwana 20, Medicare idzakufunsani kuti mulembe pa nthawi yoyamba yolembera malinga ndi tsiku lanu lachisanu ndi chimodzi. Izi zikutanthauza kuti mudzakhala ndi chilango chochedwa ngati mukudikirira kuchoka pantchito kuti mutseke.

Ngati mumagwira ntchito ku kampani yomwe imagwira ntchito zoposa 20 nthawi zonse, Medicare imakulolani kuchepetsa nthawi yanu yoyamba yolembetsa. M'malo mwake, mukhoza kulemba pa nthawi yolembera yapadera yomwe imayambira tsiku lomwe mumachoka ntchito kapena kutaya ntchito yanu yothandizidwa ndi abwana, chomwe chimabwera poyamba, ndikukhala miyezi isanu ndi itatu. Lowani posachedwa kuposa izi, ndipo mudzakakamizika kulipira zilangozo.

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Simumavomereza Pamene Mukukhala Kumidzi

Ngati mumakhala kunja kwa dziko, mumakhala kuti mukukhala kunja kwa masiku 30 kapena kuposerapo, ndipo mutalandira mwayi wothandizira Social Security, mungathe kulembedwa ku Medicare Part A mukadzakwanitsa zaka 65. Muli ndi udindo wolembera zigawo B kapena D nokha. Gawo B kulembetsa anthu sichimangokhala ngati mukukhala ku United States.

Simungathe kusonkhanitsa madalitso a Social Security m'mayiko onse.

Ngati mumakhala m'modzi mwa maiko osatulutsidwa, muyenera kudzilembera nokha ku Gawo A kuti muteteze chilango chakumapeto chifukwa chiwerengero chanu sichidzangokhalapo.

Chochititsa chidwi, mwina simungathe kugwiritsa ntchito madalitso anu a Medicare kunja kwa dziko . Muyenera kuyang'ana ubwino ndi kuthetsa kubweza malipiro pamene mukukhala kunja kwa dziko ndikukwaniritsa chilango pamene mutsembera nthawi ina. N'chiyani chingakuwonongeni nthawi yambiri?

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Simukuvomereza Chifukwa Ndiwe Wachikulire

Veterans Health Administration (VA) amapereka chithandizo chamankhwala kwa iwo omwe ankatumikira ku nkhondo ya US. Kusamalidwa kwaulere kumaperekedwa kwa azamwali oyenerera pazipatala za VA, ma kliniki, ndi malo okhala.

Mwamwayi, chithandizo chamankhwala kwa a VA chakhala nacho chiyanjano pa zaka, chomwe chimakhala chachikulu kwambiri ndipo nthawi yayitali ndikudikirira ku maofesi a VA.

Mwamwayi, mu 2014, Pulezidenti Obama adakhazikitsa lamulo loti anthu azitha kulandira thandizo, Choice, ndi Accountability Act, zomwe zinapangitsa kuti azitetezi azipeza chisamaliro kunja kwa malowa, ndipo mu 2017, Pulezidenti Trump adawonjezera ndalama zokwana $ 2.1 biliyoni pulogalamuyi.

Ngakhale kuti VA akukonzekera kukweza njira zosamalira, pangakhale nthawi pamene simungathe kupeza malo ovomerezeka a VA. Medicare angapereke chithandizo chapadera kuti akuthandizeni.

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Simumavomereza Mukakhala M'ndende

Thanzi labwino lomwe mumalandira mukamangidwa limaperekedwa ndi chilango, osati ndi Medicare. Izi sizikutanthauza kuti muyenera kudumpha kulemba kwa Medicare mukakhala woyenera.

Ngati mutalandira zopindulitsa za Social Security ndikusintha zaka 65 mutakhala m'ndende, mutha kulembedwa ku Medicare koma nthawi ndizo zonse. Social Security imaimitsa phindu lanu mutatha masiku 30 m'ndende.

Zingakhale kuti simunalembedwe ngati muli m'ndende motalika kwambiri. Izi zikutanthauza kuti muyenera kudzilembera nokha kapena kukumana ndi chilango mwamsanga mutatulutsidwa.

> Zotsatira:

> Kodi Ndikufunikirabe Mankhwala Odwala A ndi B Ngati Ndilandira Thandizo Labwino ku VA? Webusaiti ya US Department of Veterans Affairs. https://iris.custhelp.com/app/answers/detail/a_id/553. Kusinthidwa pa March 15, 2013.

> Malipiro kunja kwa United States. Webusaiti ya Social Security Administration. https://www.ssa.gov/international/payments_outsideUS.html.

> Kupuma pantchito: Kutha msinkhu wokwanira. Webusaiti ya Social Security Administration. https://www.ssa.gov/planners/retire/retirechart.html.

> Ndondomeko Yosankha Veterans .USUS Webusaiti ya Veterans Affairs. https://www.va.gov/opa/choiceact/. Idasinthidwa pa August 14, 2017.

Mawu ochokera

Medicare siufulu. Zowonjezera, zoperekera ndalama, ndalama zothandizira ndalama komanso ndalama zothandizira ndalama ndi mbali imodzi ya ndondomeko iliyonse ya thanzi. Komabe, chilango chochedwa, chikhoza kupewedwa. Musalole kuti chithandizo chamankhwala chikuwononge inu kuposa momwe mukufunikira. Pewani zolakwa zomwe mumakonda komanso kusunga ndalama.