Chii Chinokweretwa?

Chikwereti Chine Chekodzero Chinotsanangurwa uye Chitsanangurwa muChirin English

Muhutano yehutano inshuwarheni, kubhadharwa kune chikwereti ndeyekuchengetedzwa kweinishuwarenzi munguva yakapfuura kuti iwe uwane chikwereti chekuda kushandiswa kwehutano hutsva hwehutano.

Sei iwe uchida chikwereti nekuda kwehushuwarenzi inotangira? Mune zvimwe zviitiko, mushandi wako wekuchengetedza unogona kukupa mhosva nokuti haana kumbova nehuwandu hwakafanana munguva yakapfuura. Zvisinei, kana iwe wakanga uine kufanana kwakakosha mune zvakaitika munguva yapfuura, iwe uchawana chikwereti chekuvhara uye haungarangarirwi.

Mamiriro Aviri Api Anobatsira Mazano Akawedzerwa

Medicare Chikamu D & Kuwedzerwa Kwekodzero

Kana iwe usingaregi kuvhara mushonga wemishonga we Medicare Part D apo iwe unotanga kubhadharwa nawo, kazhinji kana iwe uine makore makumi matanhatu nemashanu, iwe uchapomerwa nekubhadhara miriyamisi yemwedzi pamwedzi kana iwe mushure mokusarudza kutenga Medicare Part D kugoverwa.

Murairo uyu uri munzvimbo yekudzivirira vanhu kubva kumitambo iyi. Pasina mutemo uyu, vanhu vanogona kusiya chikamu cheD D nekuchengetedza kuchengetedza pamwedzi miviri yepamwedzi apo vane madhomanana ekudhura zvinodhaka, asi vanyoresa chikamu cheDehara D apo mishonga yavo yemwedzi yakawanda inodhura kudarika iyo mwedzi yeruzhinji inshumo inenge iri. Medicare inodzivirira iyi yemitambo yegadziro nekuita vanhu vanyoresa Medicare Part D nguva vachibhadhara chikwereti chemari nenzira yepamusoro yepuremu yemwedzi pamwedzi. Kwemwedzi woga woga unoenda usingabhadhari, Medicare yako D premium ichava 1% yakakwirira. Kana iwe ukasainira mwedzi 25 mwedzi, mapurozimisi ako achava 25% akakwirira chero bedzi iwe une Medicare Part D.

Zvisinei, hazvina kukodzera kukubvunzurudza nemapurayamisi makuru kana chikonzero chausina kutenga Medicare Part D kuparidzirwa apo iwe wakatanga kukodzera ndechokuti iwe wakanga uine mishonga yakafanana yemishonga yekushandisa mishonga kuburikidza nemushandi wako, kubatana, mushandirume wemurume, kana kubvisa ronga. Muchiitiko ichi, iwe hauna kuedza kutamba mitambo; iwe waiedza kusarega kubhadhara kaviri pakugovera kwakafanana.

Pinda pfungwa yekubhadhara chikwereti. Kana iwe uchikwanisa kukuratidza iwe wakanga uine humwe ruzivo rwekupa zvikwereti zvakafanana, iwe uchapiwa chikwereti nokuda kwekugoverana uku uye iwe uchabhadhara premium yaive yakasarudzika, kwete iyo premium chirango.

Chirongwa chechirongwa chechirongwa chechirwere chinonzi chikwereti chekubhadhara chikwereti cheMedareti D inofanira kusangana zvose zviri zviviri zvinotevera:

• Chirongwa chepachirongwa chekushandisa zvinodhaka waive uchingoramba uchinge usina kupera muhuwandu hwemazuva makumi matanhatu kana kupfuura kubva apo wakanga wakakodzerwa kunyoresa ku Medicare Part D.
• Ikozvino kukosha kwehushuwarisi yakaenzana kana kuti yakakura kudarika kukosha kwezvinodiwa zveMurengeti weDhiraire D Dhigirii.

Iwe unoziva sei kana ikozvino iwe mishonga yemishonga inowanikwa mishonga inozoverenga sekubhadhara chikwereti kweMedare Part D? Waregeredzi wako iye zvino anofanira kukuudza. Vatsigiri vanofanirwa kutumira chiziviso chekubhadhara chikwereti kune avo vose vakanyoresa avo vanofanirwa neMurengeti weDare D. Ichi chiyeuchidzo chinofanira kuuya musati waita Medicare yako yekutanga kutanga chikamu chekugadzirisa nguva uye mushure mekunyorwa kwekuzorora kwekupedzisira.

Medicare Chikamu B neKubhadhara Kwekubhadhara

Mimwe mitemo inokosha ndeyechokwadi kune Medicare Part B. Uyu ndiwo mugove weMedare inobatanidza mabasa ekurapa uye zvechiremba, uye vose vanobhadhara Medicare vanobhadhara mubayiro weChikamu cheB B (kusiyana neChikamu A, iyo isingabhadharwi nevanyori vakawanda, sezvo vakabhadhara Medicare mubhadharo wemitero mumakore avo ekushanda).

Asi chirango chinoratidzwa zvishoma zvakasiyana. Kwemwedzi wegumi nemwedzi wekuti iwe hauna kunyora muChikamu B mushure mekunge wakakodzera, uye panguva yausina kuwana chinyorwa chinokosha chakatora nzvimbo yeChishanu B, chikamu chako cheB B chichawedzera ne10 muzana. Saka kana iwe usina kunyora muChikamu B kusvikira mwedzi 37 mushure mekunge wakakodzera, uye iwe hauna chikwereti chakanaka panguva iyoyo, iwe uchabhadhara zvikamu zveB B zvisingabatanidzi makumi matatu kubva pane zvakaenzana, zororo nguva yaunenge uine chikamu cheB B.

Kana iwe uzononoka kunyoresa muChikamu B, kugoverwa kwako kunokwereta kunofanirwa kuve kubva pakurongwa huripo hunoshandiswa nevashandirwi (iwe kana mudzimai wako).

Kusiyana nechikamu D, chakatsanangurwa pamusoro apa, kubvisa mararamiro ezvehutano hazvirevi sekubhadhara chikwereti chekuregererwa Chikamu B. Kana iwe uine hutano hwakanaka, unoda kunyoresa muChikamu B apo iwe unotanga kukodzera kuitira kuti urege kupiwa chirango gare gare.

Pre-Iripo Mamiriro Asingawaniki, Kumirira Periods, & Creditable Coverage

Isati ya Affordable Care Act , mamiriro ezvinhu aimbovapo aiva chipingamupinyi kuvanhu vainge vachiwana kugoverwa mumusika mumwe nomumwe, uye kunyange mumakambani akashandiswa nemari. Mumushamba wega wega, vatsigiri vehurumende dzakawanda vanogona kungoramba kushandiswa kwevanhu vanove nemamiriro ezvinhu akambovapo, kusabvisa mamiriro ezvinhu akagara akambovapo, kana kuwedzera mubayiro. Iko kazhinji yakanga isina basa kana munhu uyu aive ane chikwata chekubhadhara chikwereti kana kwete.

Iye zvino, ACA inorambidza mamiriro ezvinhu asati avapo asati asvika mune zvose zvakanyatsorongwa-zvehutano hurongwa hwehutano kunze kwezvirongwa zvehutano hwehupenyu hukuru. Vane zvirongwa zvange zvisati zvave zviripo zvekutenga kubva muna 2010, asi vanhu vakambova nazvo kubvira apo ACA isati yasarudzwa vanogona kuchengetedza ivo chero bedzi iyo inshuwarisi ichivabvumira kuti varambe vachishanda, uye mazhinji ezvirongwa izvozvo akanga atovapo mamiriro ekuregererwa.

Asi mumakambani akashandiswa nemari, Mutemo Wemazuva ano weChitarenzi Inoshandiswa Kwehutano neHurumende (HIPAA) yakagadzirisa zvinokonzerwa nemamiriro ezvinhu akambovapo kubvira pakati pemakore ekuma 1990. Pasi peHIPAA, zvirongwa zvebashandi-zvakarongeka hazvigoni kuramba zvinyorwa zvichibva munhoroondo yezvokurapa, uye kunyange zvisati zvave zviripo nguva yekumirira nguva yakabvumidzwa, inogona kuderedzwa kana kubviswa apo vanyoresa vakakwanisa kuratidza uchapupu hwekugadziriswa kwepakutanga. Kuti udzidze zvakawanda pamusoro pekuti HIPAA yakabatsira sei vanhu vane mamiriro ezvinhu akambovapo-iko kushandisa mari yavo yekubhadhara, ona " Mamiriro Ekutanga-Anowanikwa - Kunzwisisa Kusagadzikana uye Kukweretwa ."

Kunyange zvazvo HIPAA kudzivirira iripo, vanhu vari kunyora muzvirongwa zvinoshandiswa nevashandirwi havachadi kuratidza uchapupu hwekubhadhara chikwereti kuitira kuti vasati vagara varipo nguva yekumirira, sezvo ACA isingabvumi nguva dzakadaro dzokumirira zvakare.

_Sources:

_{Code of Regulations Regulations, 42 CFR 423.46 - Chirango chekunyora kwekupedzisira.}

_{Code of Federal Regulations, 42 CFR 423.56 - Nzira dzekugadzirisa nekunyora chikwereti chechikwereti chechirongwa chechirongwa chekushandisa zvinodhaka.}

_{Medicare.gov. Chikamu B Chekunyora Kuverengwa Kwechirango.}

_{Medicare.gov. Chinyorwa cheKubhadhara Chikwereti.}