Kuziva Nguva Yekushandisa Chirwere Chirwere Kwaigona Kukuponesa Zviuru
Kuisa mucherechedzo kweMedareti kunogona kukubhadhara, chaizvoizvo. Zvikwereti zvenguva duku zvinopomerwa kana iwe unyoresa yapfuura yako yakarongwa Initial Enrollment Period (IEP). Iko mari inobhadhara pamakero enyu emwedzi pamwedzi uye mune zvimwe zviitiko, chero bedzi maine Medicare. Iko mazana kuzviuru zvemari yako yakaoma-yawana yakawandiswa.
Rumbidza kunaka kweZvinyorwa Zvinyorwa Zvitsva (SEP) dzinokubvumira kuti iwe unyore mushure mekunge iwe IEP usingataridzi kurangwa.
Dambudziko iwe unogona kufunga kuti uri kukodzera sePP apo iwe hausi. Aya ndiwo mahwindo egoridha emukana waunoda kuziva nezvazvo.
Nguva Yako Yokunyoresa Period
Tisati tadzika zvakadzama munguva dzeKunyora Dzakakosha, iwe unofanira kutanga unonzwisisa kuti nguva dzekuverenga dzeMedare dzinoshanda sei. Zuva rekuzvarwa kwako makumi matanhatu nemashanu ndiro kiyi. IEP yako inotanga mwedzi mitatu isati yapera uye inoguma mwedzi mitatu mushure mekuberekwa kwako mwedzi, ichikupa mwedzi minomwe kuti usayine. Somuenzaniso, kana zuva rako rekuberekwa musi waJune 8, IEP yako inotanga musi wa1 March uye inopera musi waSeptember 30.
Mashoko akanaka: Kana uri kuwana rubatsiro rweSocial Security apo unenge wava nemakore makumi matanhatu nemashanu, iwe uchazongonyorwa ku Medicare. Iwe haufaniri kunetseka pamusoro pemagumo ekupedzisira.
Nhau dzakaipa: Kana iwe usingagamuchiri Social Security kana Railroad Retirement Board (RRB) inobatsira paunosvitsa makore makumi matanhatu nemasere uye iwe ukasina kupinda muIEP yako, iwe uri pachikwereti chezvikwereti zvinotora nguva refu.
Kana iwe uchikodzera Medicare inobva paurema , iwe IEP yako haifaniri kuenderana nemakore. Ichavimba nehutano hwako.
- Kana iwe uine hutachiwana hweAmyotrophic Lateral Sclerosis (ALS) , iwe uchange uchinyoresa ku Medicare mwedzi kubatsirwa kwako kwekuremara kunotanga. Iwe haugoni kuiswa pasi pekumhanwa kwekuripira.
- Kana iwe uine hutano hwekupedzisira-stenho renal chirwere (ESRD), zvinoreva kuti iwe unoda dialysis kana kuti unoshaiwa kuchinja kwepvo, unofanirwa kuendesa Medicare iwe pachako asi iwe unogona kushandisa apo iwe uongororwa uye kusvika kumwedzi mitatu gare gare usati wasangana nematare ekupedzisira.
- Kana ukagamuchira Social Security Disability Inshurenzi (SSDI) kana kuti RRB zvimwe zvekuremara, iwe unokodzera Medicare pamwedzi wechi25 wekugamuchira izvo zvikomborero uye iwe unenge uchinyoresa purogiramu yacho. Iwe uri kure nehombodo yekutengesa mitezo.
Wabuda kunze: Kana iwe ukaramba kuvhara Medicare mushure mekunge wakagamuchirwa, iwe kana usina hurema, iwe uchasangana nemagumisiro ekupedzisira kana iwe ukasarudza kusainira gare gare.
Apo Iwe Uine Utano Hwakabva Kubasa Wako
Vanhu vazhinji vanowana utano hwakanaka kuburikidza nevanoshandira. Iyi sarudzo inotsigirwa nebasa rako uye kazhinji inodhura kupfuura kutenga unishuwarenzi yehutano iwe pachako. Mune zvimwe zviitiko, iwe ungada kuchengetedza zvirongwa zvako zvebasa-zvinotsigirwa panzvimbo yeMedare.
Semuenzaniso, iwe unogona kuwana humwe huri nani hwehutano hwebasa purogiramu yako yemazuva ano. Zvikwereti zvako uye zvinokwaniswa zvinogona kudhura zvishoma. Kurasikirwa nekunyorwa kweMedare kunogona kukuponesa kubva kubhadhara ma-premium maviri.
Mashoko akanaka: Iwe unogona kukodzera SEP kana iwe une chirongwa chehutano chekushandisa.
Nhau dzakaipa: Haasi yose yezvirongwa zvehutano inobhadharwa nevanoshandira inokodzera sePP.
Kutanga, iwe unongokodzera kuwanikwa sePEP kana wako waanoshandira achipa 20 kana kupfuura vashandi venguva yakazara kana zvakaenzana. Vanhu vanoshandira madhomanana maduku nepas vanopinda mudambudziko. Hazvina kumira zvakanaka.
Chechipiri, SEP yako inotanga zuva raunobva mubasa rako kana kubhadharwa kwehutano hwako, izvo zvinosvika pakutanga. Ngatidzokei, chero chii chinouya pakutanga . Iwe une mwedzi masere kuti usayine Medicare kubva pazuva rino. Kuisainyore gare gare pane izvozvo zvichaita kuti zvikwereti zvidye.
Cherechedza: Kunyange kana basa rako richibhadhara nhamba yekufanirwa yevashandi, iwe unogona kunge uchiri pachikwangwani kuti usayine Medicare. Vamwe vashandi vanoda kuti iwe unyore muMedare nokukurumidza kana iwe uchikodzera kana ivo vachaderedza kana kuderedza zvikomborero zvako zvachose. Iva nechokwadi chekutaura kune waunoshandira pamusoro pekuti vanoita sei chirongwa chehutano hwavo kuitira kuti iwe ugone kuita sarudzo yakadzidziswa.
Paunenge uri paCOBRA
Sangano re Consolidated Omnibus Budget Reconciliation Act (COBRA) rakagadzwa muna 1985 uye rinokubvumira kuti urambe uchienderera mberi kune chirongwa chehutano chinoshandiswa nevashandi kunyange mushure mokusiya basa iroro. Mushandi wacho achiri kukupa purogiramu yakaderedzwa yepayimusi, kunyange kana iyo yezinga iri yakakwirira kudarika yaive iwe uchiri kushanda. Izvi zvinokubvumira iwe kubhadhara zvishomanana kurongwa humwe hwehutano kupfuura iwe waizoita kana iwe uchizoitenga seurongwa hwepachivande.
Nguva yekutaridzirwa kweCOBRA inogumira, kazhinji kusvika pamwedzi 18. Panofungidzira, iyo inofanira kuva nguva yakakwana yokuti iwe uwane humwe hutano hwehutano, kana huri kuburikidza nemumwe muvakidzani kana kunyange uchimirira Medicare yako zvikwereti kupinza mukati. Zvisinei, zvimwe zviitiko zvinokodzera zvinogona kukubvumira kuti uwedzere kufambisa kusvika 36 mwedzi.
Nhau dzakanaka: Kubudiswa kweCOBRA kunogona kukubvumira kuti uwedzere mararamiro ako ehutano anotsigirwa nevanoshandira mushure mokusiya basa rako.
Nhau dzakaipa: Kubudiswa kweCOBRA hakurevi sevashandi-vanochengetwa hutano hwehutano mumaziso aMedare.
Chimwe chezvibatsiro zvekugoverwa kweCOBRA ndechokuti inokubvumira kuti urambe uchiendesa hutano hwemumwe wako nevanovimba naye , asi Medicare inongotakura zvido zvako zveutano. Mari yezvemari, iwe unogona kunge uine sarudzo huru pamaoko ako. Iwe unofanirwa kuendesa Medicare uye kutora COBRA chete kuti udzikise mari yeimba yako here? Kana iwe unofanirwa kubhadhara mari yemari miviri?
Kana iwe uchikwanisa kupiwa Medicare panguva yako COBRA inobatsira, izvi zvinokanganisa kugoverwa kweCOBRA kune vadiwa vako. Kubudiswa kweCOBRA kunogona kuwedzerwa kune vanotarisira kusvika kumwedzi makumi matatu nemasere kubva pazuva raunosangana neMagareti kukodzera.
Cherechedza: Yeuka mutemo pamusoro pe "chero chipi zvacho chinouya pakutanga" kune chirongwa chinoshandiswa nevanoshandira SEP? Kana iwe ukasiya basa rako uye uchiramba uine utano hwakanaka neCOBRA, SEP yako zvinhu zuva raunobva mubasa rako, pasinei nokuti wakaiswa panze kana kuti uri pamba, kwete zuva iro COBRA yako inobatsira inoguma.
Iwe Uchabhadhara Mupi Wakawanda Mukupedzisira Mhosva
Zuva rekuripira rinowedzera uye rinokurumidza. Usaita chikanganiso chingave iwe iwe uchibhadhara kwemakore anotevera.
| Chikamu A | Chikamu B | |
|---|---|---|
| Mutengo | 10 muzana yemari yepamwedzi yemwedzi | 10 kubva muzana yakawedzerwa pamutengo wegore negore wegore negore rekukodzera kukanganisa |
| Nguva | Kaviri nhamba yemakore ekushaya kukwana | Chero bedzi uine Medicare |
| Kuverenga | 0.10 x Premium | 0.10 x Premium X # Makore ekukodzera kukanganisa |
| Muenzaniso | Kana wakashandisa makore matatu mushure mekunge makakodzera, 10% ichawedzerwa pamutengo wenyu wemwedzi wemwedzi kwemakore matanhatu. | Kana wakashandisa makore matatu mushure mekunge makakodzera, 30% ichawedzerwa pamishandiraimari yako yemwedzi chero bedzi uine Medicare. |
Vanhu veAmerica vanowana zvikamu zvavo zveChikamu A pasina kana ivo kana avo vakaroorana vakashanda makore anopfuura makumi mana (gumi nemakore) muMedare-inotora basa. 10 muzana yekusununguka zero! Nenzira iyi, Chikamu A zvikwereti hazvikwanisi kuita kuti nguva yakareba uwane mari. Chikamu B zvikwereti , zvisinei, zvinopedzisa chero bedzi iwe une Medicare uye unogona kuva nemigumisiro yakakura pachikwama chako.
Sezvenguva dzose, pane chimwe chinhu. Kana iwe ukave wakakodzerwa neMurengeti wakagadziriswa nehurema uye wakaiswa kune zvikwereti zvishoma nguva isati wasvitsa makore makumi matanhatu, zvikwereti izvi zvinokanganwirwa paunosvitsa makore makumi matanhatu. Iwe unopiwa slate yakachena, chipo chisingawanzobva kuhurumende yehurumende.
> Sources:
> COBRA Continuation Coverage. Centres for Medicare and Medicaid website. https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_fact_sheet.html.
> Vashandi vemunharaunda: Mashoko pamusoro pekunyorwa kwaMedare. Centres for Medicare and Medicaid website. https://www.cms.gov/Outreach-and-Education/Find-Your-Provider-Type/Employers-and-Unions/Employer-community.html.
> Mamiriro akasiyana (Nguva dzeKunyora Dzakakosha). Medicare.gov website. https://www.medicare.gov/sign-up-change-plans/when-can-i-join-a-health-or-drug-plan/special-circumstances/join-plan-special-circumstances.html.