Zvinyora Zvino, Chengeta Mari Gare gare
Zvikwereti, zvinokonzerwa, zvinyorwa uye coinsurance. Izvi zvinotarisirwa mari pazvinouya kune imwe hurongwa hwehutano inshuwarisi. Medicare haisi yakasiyana.
Iko vanhu vakawanda vasingatarisiri ndeye mari inowedzera inouya neMedare, kunyanya apo iwe unyoresa. Medicare Zvikamu A, B, uye D mumwe nomumwe ane zvigaro zvaro zvekupedzisira . Mari yaunokwanisa iwe inogona kuve yakasiyana chero ipi kubva kumazana kusvika kune zviuru zvemadhora pamusoro pehupenyu hwako. Kune dzimwe dzakawanda zvinokanganisa zvinokanganisa vanhu vanoita pavanyoresa ku Medicare.
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Iwe Unofunga Kuti Kuverengwa kweMedare kune AutomaticKana uri kutotora chekuchengetedzwa kweSocial Security apo iwe unosvitsa makore makumi matanhatu nemashanu, zvingave zvekubhadhara kana kubatsirwa nekuremara , iwe unenge uchinyoresa ku Medicare Parts A uye B. Kana iwe usati wagamuchira rubatsiro rweSocial Security, unofanira kunyora yose Medicare parts iwe pachako.
Chero zviitiko zvose, usakanganwa kuina chikamu cheChikamu D kana iwe uchida kupiwa mishonga yemishonga. Izvi hazvizombovi nyore.
Apo gore rekusununguka raiva nemakore makumi matanhatu nemashanu, Social Security neMedare dzinobatsira zvakapindirana. Izvi zvose zvakashandurwa muna 1983 pamwe nekuiswa kwezvigadziriswe izvo zvishoma nezvishoma zvakakura makore iwe unogona kuunganidza zvakazara Social Security inobatsira. Iye zvino munhu akaberekwa asati asvika 1937 akakodzera pamakore makumi matanhatu nemashanu, uye ani zvake akaberekwa mushure me1960 akakodzera pamakore makumi matanhatu nemashanu. Vanhu vazhinji vanowira pane imwe nzvimbo pakati, zvinoreva kuti Medicare uye Social Security mazano haazombovi sync.
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Iwe Usingarevi Kurapa Kwemishonga Kana Uchitendeuka 65Kune nzira mbiri dzekukodzera kuMedare. Chokutanga ndechekuremara kwakakodzera , imwe yacho ndeyezera. Vakawanda veAmerica vanogona kupiwa Medicare pavanosvitsa makore makumi matanhatu .
Iwe unogona kunyora mwedzi mitatu kubva mberi kusvika kumwedzi mitatu mushure mekuberekwa kwako kwema 65. Paunosanganisira mwedzi wako wokuberekwa, izvi zvinokupa mwedzi minomwe yakazara kuti usayine purogiramu.
Nyora iyi Yokutanga Inyore Period uye iwe unogona kunge uri pachikwerero chekupedzisira kwezvipatara zveMeditari Zvikamu A, B, uye D. Zvirango izvi zvinogona kukubhadhara mazana kuzviuru zvemadhora chero iwe uri paMedare.
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Iwe Usingarevi Kurapa Kwemishonga Nokuti Unenge UchishandaVamwe vanhu vanotenda kuti havafaniri kuisa mapepa kuMedare kusvikira vasimuka uye havachakwanisi kuwana chirongwa chehutano chavanoshandira. Mushure mezvose, hakuna munhu anoda kubhadhara zvirongwa zvinopfuura rimwe chete zvehutano.
Kusarudzwa kunogona kuva nyore kune vamwe vanhu asi zvechokwadi kwete kuvanhu vose. Zvose zvinoenderana nehukuru hwekambani inokubhadhara.
Kana kambani yaunoshandira inoshandisa vashandi vashoma venguva yakazara makumi maviri, Medicare inoda kuti iwe usayine panguva yekuNyoresa Period yakatangira maererano nemakore ekuberekwa kwako makumi matanhatu nemashanu. Izvi zvinoreva kuti iwe uchange uine chirango chinonoka kana iwe ukamirira kubhadhara basa kuti ubatane.
Kana ukashanda kune imwe kambani inoshandisa vashandi vanopfuura 20 venguva yakazara gore rose, Medicare inokubvumira kunonoka Nguva yako yekuNyoresa Period. Pane kudaro, iwe unogona kunyora panguva yeKunyorwa Kunokosha kwaunotanga zuva raunobva mubasa rako kana kurasikirwa nebasa rako rehutano rinoshandiswa nevashandi, chero ripi rinouya pakutanga, uye rinoguma kwemwedzi masere. Zvinyorwa mushure meizvi, uye iwe uchatomanikidzwa kubhadhara iyo nguva yekupedzisira.
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Iwe Usingarevi Haunenge Uchitaura Paunenge Uchiri KumadokeroKana iwe uchigara kune dzimwe nyika, unotsanangurwa sokurarama kunze kwenyika kwemazuva makumi matatu kana kupfuura akawanda anotevera, uye iwe unogamuchira rubatsiro rweSocial Security, iwe unogona kunge wakanyoresa mu Medicare Part A paunosvitsa 65. Iwe unotarisirwa kunyora kuBumbi B kana D iwe pachako. Chikamu B kunyoresa hachisi kungofanana sezvazviri apo iwe unogara kuUnited States.
Iwe unogona kusakwanisa kuunganidza Social Security mazano munyika dzose.
Kana iwe uchigara mune imwe yeizvi nyika isingabatanidzi, iwe unofanira kuzvizvinyorera iwe muChikamu A zvakare kuti urege kudzivirirwa zvishoma kubva apo kunyoresa kwako hakuzove kuripo.
Zvinofadza, iwe unogona kunge usingakwanisi kushandisa mishonga yako Medicare kunze kwenyika . Iwe unofanirwa kutarisa zvinowedzera uye kubhadhara kubhadhara mari yemaimari apo iwe unogara kunze kwenyika inosangana nezvikwereti paunotinyorera pane imwe nguva gare gare. Ndezvipi zvinokubhadhara kupfuura nguva?
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Iwe Usingarevi Zvaunofunga Nokuti Uri Mhuka YekareVeterans Health Administration (VA) inopa mararamiro ehutano kuna avo vakashanda muuto reUnited States. Kuchengetwa kwakasununguka kunopiwa kune veterans vakakodzera pane zvipatara zveA VA zvakagadzirirwa, makiriniki, uye zvivako zvekugara.
Zvinosuruvarisa, utano hwehutano kuVV hwakanga huine chikamu chekukakavadzana pamusoro pemakore, iyo huru pane iyo yave yakawana uye nguva yakareba yekumirira kwekugadzwa pa VA zvivako.
Ndinofara, muna 2014, Mutungamiri Obama akagadza Veterans Access, Choice, uye Accountability Act iyo yakabvumira veterans kuti vawane rubatsiro kunze kwemamwe zvivako, uye muna 2017, Mutungamiri Trump akawedzera $ 2.1 mabhiriyoni mari yekuita purogiramu.
Kunyange zvazvo VA iri kuronga kuwedzera nzira dzekutarisira, pangave nenguva apo iwe hauna kukwanisa kuve neAV approved centre. Medicare inogona kupa ruzivo rwakanyanya kuti iwe uwane hanya iwe unoda.
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Iwe Usingarevi Paunenge WakapfigirwaUtano hwehutano hwaunowana panguva yekuiswa mujeri hunobhadharwa nehutachiona, kwete neMedare. Izvi hazvirevi kuti iwe unofanirwa kupemberera kupinda kweMedare paunenge wakakodzera.
Kana iwe ukagamuchira Social Security zvikomborero uye uine makore makumi matanhatu nemashanu paunenge uri mujeri, iwe uchange uchinyoresa ku Medicare asi nguva ndeyezvose. Social Security inomisa mararamiro ako mushure mezuva makumi matatu kubva mujeri.
Zvinogona kunge iwe hausi kunyora kubhadhara kana iwe wakanga uri mumasvingo kwenguva refu. Izvi zvinoreva kuti iwe unofanira kuzvinyorera iwe pachako kana kutarisana nezvikwereti zvenguva pfupi kana wasunungurwa.
> Sources:
> Ndichiri Kuda Mishonga Zvokudya A uye B Kana Ndichiwana Utano Hwangu kubva ku VA? US Department of Veterans Affairs website. https://iris.custhelp.com/app/answers/detail/a_id/553. Yakaperedzwa March 15, 2013.
> Kubhadhara kunze kweUnited States. Social Security Administration website. https://www.ssa.gov/international/payments_outsideUShtml.
> Retirement Planner: Zvose Zvakapedza Basa. Social Security Administration website. https://www.ssa.gov/planners/retire/retirechart.html.
> Veterans Choice Program .US Department of Veterans Affairs website. https://www.va.gov/opa/choiceact/. Yakapedzwa musi waAugust 14, 2017.