Nzira Yekuchengetedzwa Kwemagariro Evanhu Kunokuchengetedza Sei kuMedare
Medicare haisi chete kune avo vakwegura vanopfuura makore makumi matanhatu nemashanu . Iyo inobatsira kune avo vane urema, vachifunga kuti vanosangana nedzimwe nzira dzekuremara . Dambudziko iwe unogona kunge usingadi Medicare kana iwe ukwanisa kuwana inshuwalhu yehutano inodhura pane imwe nzvimbo.
Usaita zvekutaura kwakadaro!
Ndezvipi Zvokuremara Zvinofanirwa neMurepa?
Kana iwe ukawira pane chimwe chezvikamu zvakakonzerwa nekuremara, unogona kukodzera kuMedare kunyange iwe uri muduku kudarika makore makumi matanhatu.
- Iwe une amyotrophic lateral sclerosis (ALS) , inozivikanwa sehosha yaLou Gehrig.
- Iwe une chirwere chepfungwa chinopera (ESRD) chinoda dialysis kana kupora kwepvo.
- Iwe unogamuchira zvipo zvekuremara kuburikidza ne Railroad Retirement Board (RRB).
- Unogamuchira Social Security Disability Insurance (SSDI) .
Kubhadhara MuNyika
Vanhu vanofanirwa neMurengeti vakabhadhara mari iyo. Nhamba yemakore iwe kana wawakaroorana naye kuripa hurumende yehurumende mumitero yemitero inosarudza kwete chete kukodzera kwako kune hurongwa hwehutano asi huwandu huchabhadhara. Iyi mitero yemari inotarisirwa kuchengetedza chikwereti chakanakira iwe kana iwe uchichida munguva yemberi.
Iko Mari yeMedare
Kunyange zvazvo Medicare inopa utano kune avo vakaremara, haisi yakasununguka. Iwe unofanirwa kubhadhara miriyamu yezvikamu zvakasiyana.
- Zvikomborero zvinofanira kubhadharwa Chikamu A kana mumwe munhu asina kushanda makore makumi mana (gumi nemakore) emabasa ekuteresa.
- Mumwe nomumwe anotora zvikwereti zvePekutanga B , mari yakatarwa nemari yako.
- Kana iwe uchida kupiwa mishonga yemishonga, iwe uchabhadhara mari yemari yeChikamu D zvakare.
Mune dzimwe nzira idzi, unogona kusarudza chirongwa cheMedare Advantage. Medicare Makomborero mapurogiramu anosanganisira zvose izvo Chikamu A uye chikamu B chikamu B uye chinogona kusanganisira chikamu cheD D kana ukasarudza.
Kufanana nedzimwe nhengo dzeMedare, zvirongwa izvi zvinokubhadhara mwedzi wemwedzi.
Zvimwe zvirongwa zvehutano zvinosanganisira kubhadhara, kubhadhara, uye kubhadharwa .
Apo Inwe Inishuwarenzi Inoronga Mari Inosara Kupfuura Medicare
Iwe unogona kuwana kuti dzimwe shandiswa dzeshuwarenzi dzinodhura kudarika iwe kupfuura Medicare.
Zvirongwa zveBobamacare zvingaita sezviri kufadza asi chenjerera. Iwe haubvumirwi kuva nechikamu cheMedare uye chirongwa cheBobamacare panguva imwe chete. Imwe nzira inogona kuva yekunyora kwehutano hwehutano kuburikidza neurongwa hwehutano hwemumwe wako. Zvichiri nani, iwe unogona kunge wakakodzerwa nehutano hwehutano hunobva pane zvakaitika kwauri zvehondo, kana neA VA kana TRICARE.
Mune zviitiko izvi, unogona kuedzwa kuti ude chirwere cheMedare nekuda kweimwe inshurensi. Mushure mezvose, hakuna munhu anoda kubhadhara miriyamisi miviri kana vasina. Iwe unoda kunzwisisa kuti kuderera kweMedare kunogona kuva nemigumisiro yakakomba.
Hazvinyatsozivikanwi panguva ino kuti kubhabhatidza kweBobamacare kuchakanganisa sei kushandiswa kweinishuwarenzi. Izvi zvichange zvichienderana nemhando ipi yekugadzirisa hurongwa hwaTrump inotungamirira mberi.
Kurega Chikamu A Coverage
Kana iwe ukakunda Chikamu A chekugoverwa , iwe unogona kurasikirwa neHuman Security Security. Izvi zvinogona kusanganisira kubhadhara mubhadharo kana kubatsirwa kubva kuSSDI.
Kwete chete iwe ucharasikirwa nemari yeramangwana kubva kune Social Security asi iwe unofanira kubhadhara chero hupi hwehupfumi hwehupfumi hwakagamuchira kusvika panguva yawakaramba Chikamu A.
Mutongo weDare reDunhu reUnited States muna 2001 rakataurira nyaya iyi. Vashandi vehurumende vatatu vakatsigira hurumende nokuti vaida kurega Chikamu A vachida kugoverwa pasi peState Employees Health Benefit (FEHB) purogiramu. Panguva imwecheteyo, vaida kuchengetedza zveHindu Social Security.
Mutemo wa1955 wakasika zvose Social Security neMedare akapa mhinduro. Mutongi Collyer akataura kuti "kukumbira nzira yevanoshungurudza nevamwe kune mamiriro avo ezvinhu kuti 'kusazvinyora' kunopesana ne congressional chinangwa, chaive chokupa ' mvumo ' zvayo pasi pe Medicare Part A kune avo vanogamuchira Social Security Retirement benefits." Rinoshandurwa, chirevo chacho chinotaura kuti vanhu havagoni kuparadzanisa kubva kuMedare Part A vasinawo kurasikirwa neHindu Social Security.
Kuparadzanisa Chikamu B Pakati
Kana iwe uchinge uchitarisa chikamu cheBatendi B, unogona kutarisana nezvikwereti zvenguva pfupi paunozonyora pane imwe nguva. Kusiyana neChikamu A, izvi hazvizoiti kuti iwe urasikirwe neHuman Security Security. Izvi ndechokuti iwe haubhadhara mitero yeMedare Chikamu B.
Zvaunofanira Kuita
Vanhu vazhinji vanowana Chikamu A chesununguko. Kana izvi zviri izvo, kazhinji mune zvaunonyanya kufarira kunyora nekuenderera mberi neMeuroreji kuvhara kuti uchengetedze Social Security yako. Iva nehanya zvikuru pamusoro pekuisa chikamu chako chekugovera. Izvozvo zvingakupa mari!
> Sources:
> Civil Action Nha. 08-1715 (RMC) - Mvumo yeMemorandamu. United States Dare Repamusorosoro yeWeb of Columbia website. https://ecf.dcd.uscourts.gov/cgi-bin/show_public_doc?2008cv1715-54. Yakabudiswa March 16, 2001.