Sei munhu achida kuva neurongwa hwe inshuwarisi imwe chete? Iko kunobva kune waunokumbira. Iwe unogona kutsvaga kuwedzerwa kugovera kuitira kuti uve nechokwadi chekuti unowana yese yehutano hwehutano hwaunoda. Medicare nemamwe mabhizimisi, kune rumwe rutivi, vane rumwe ruzivo rwakawanikwa. Kana uine chirongwa chehutano chehutano, vanogona kuchinja mutoro wekubhadhara kune umwewo.
Usanetseke. Mumwe munhu ari kufamba netsoka, uye chero bedzi munhu wese anoenda maererano neurongwa, haufaniri kuva iwe. Iwe unofanirwa kunzwisisa kuti ndiani achatobhadhara kutanga uye uyo, kana ani zvake, ari kubhadhara chero mari inosara. Apa ndipo apo Medicare Secondary Payer inotanga.
Chikonzero nei Unogona Kuda Kupfuura Zvimwe Mishonga Inopa
Medicare inopa rubatsiro rweutano kune vanopfuura mamiriyoni 56,8 eMamerica, asi izvozvo hazvirevi kuti zvinosanganisira zvose zvavanoda. Chimbofunga zvinhu izvi zvinowanzoitwa neMedarere iwe uchibhadhara kunze kwehomwe:
- Acupuncture
- Kuchengetedza panguva yekufamba kune dzimwe nyika uye zvisingawanzoitiki
- Chiropractor services kunze kwekugadzirisa subluxation yepamusoro
- Kugadzirisa maziso lenzi (masvikiro emagetsi kana magirazi emaziso)
- Kuchengetedza kuchengetedza (kushamba, kupfeka, kudzimba)
- Dentures
- Foot care
- Kunzwa rubatsiro
- Kuchengetwa kwekuchengetedza musha kwenguva refu
- Nzira dzisina kutarisirwa nedzimwe nharaunda zvisingawanzoitiki
- Pamusoro pe-the-counter mishonga, mavhithamini, uye zvinowedzera
- Mishonga yemishonga mune zvimwe zvikamu
- Kufamba makona kune mapofu
Iri haisi runyora rwakakwana, hongu, asi hazvishamisi kuti vamwe vanhu vanotevera humwe hutano hwehutano kuti vazadze gomba. Kunyange zvazvo pane sarudzo yeMedarere Supplement Plans, inozivikanwawo seMigigap zvirongwa , kuti ibatsire kuvhara Medicare's muhomwe mari ( mapato, kubhadhara, uye kubhadhara ), zvirongwa izvi hazvidi kuwedzere mamwe mararamiro ezvehutano pakugovera kwako.
Pane kudaro, vanhu vazhinji vanotendeukira kune imwe inshuwarisi sevashandi-vanochengetedzwa zvirongwa zvehutano, mauto ehondo, uye kubhadhara mari yekutora kuti vawane rubatsiro rwavanoda.
Medicare uye Mubashandi-Vanorayirwa Hurongwa Hwehutano
Chikamu chekusunungurwa kweSocial Security zvinoshandiswa kuva nemakore makumi matanhatu nemashanu, iyo imwe nguva yaunokodzera Medicare . Izvo zvose zvakashandurwa muna 1983 apo Congress yakaparura mutemo kuti uwedzere makore ekurega basa kubva pane zuva rako rokuzvarwa. Kune vanhu vakaberekerwa pakati pa1943 na 1954, makore ekurasikirwa iye zvino ava nemakore makumi matanhatu. Gore rekusununguka rinowedzera zvishoma kusvika kune makore makumi matanhatu nemakumi matanhatu kune avo vakaberekwa mushure me1960. Kubvisa mberi kwezera iri rakasarudzwa kuchaita kuti iwe uwane mari shoma kubva kune Social Security.
Mhedzisiro yekuguma ndeyokuti vanhu vazhinji vari kushanda kwenguva yakareba kuti vawedzere mari yavo yekurasikirwa. Kushanda kunovapa kuwanika kwehutano kuburikidza nevanoshandira avo kuti vangazosarudza kuramba vari voga, ramba vachiri kunyorawo kune Medicare, kana kubvisa uye kutora neMedare.
Simba rako rinorayirwa nehutano rinogona kuvhara mudzimai wako nevanovimba naye , asi Medicare inokufukidza iwe woga. Zvirongwa izvi zvinogonawo kuvhara mabasa ayo Medicare isingaiti. Kana iwe uchikodzero yeKunyorwa Kunokosha , iwe unogona kukwanisa kuendesa kuMedarere usina kutarisana nemirairo yekupedzisira apo iwe pakupedzisira unyoresa.
Izvi zvinogona kukuchengetedza mari yakawanda sezvo iwe usingafaniri kubhadhara premium yezvirongwa zviviri zvakasiyana.
Paunenge uine Medicare uye chirongwa chehutano hwakashandiswa, Medicare ichabhadhara kutanga mune zvimwe zviitiko. Ichisarudzo chinovakirwa pazera rako, pasinei nokuti wava nemagumo-stenho renal chirwere (ESRD) kana chimwe chirema , uye vangani vanoshandira kumushandi wako.
Kana iwe usingakwanisi kugadzirisa chirongwa cheMedarere kuti ubhadharire pakutanga, chirongwa chako chehutano chinoshandiswa nevanoshandira chichakweretwa panzvimbo. Izvo zvavasingabhadhara zvichazobhadhara kuMedarere. Medicare ichabhadhara mabasa ehutano ayo aizowanzovhara chero bedzi ichivaona sechiremba.
| Medicare ichabhadhara kutanga | Medicare ichabhadhara yechipiri |
|---|---|
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Medicare uye COBRA
Kutenda kuConsolidated Omnibus Budget Reconciliation Act (COBRA) muna 1985 unogona kupfuurira urongwa hwako hwehutano hunobhadharwa nevanoshandira mushure mokusiya basa rako. Mutemo unoda vashandirwi vashandi venguva yakazara makumi maviri kana kupfuura kuti varambe vachipa chirongwa chehutano hwavo kwenguva yakati, kazhinji mwedzi 18, mushure mokunge basa renyu rapera nenzira yekugumisa kana kupera. Nguva yehupfumi hweCOBRA inogona kuwedzerwa kusvika kumwedzi makumi matatu nemakumi matatu kana mamwe maitiro akazosangana.
Medicare uye COBRA vane ukama hwakaoma. Kana iwe uchitova neCOBRA apo iwe unyoresa ku Medicare, kugoverwa kwako kweCOBRA kunogona kupera pazuva raunyoresa kuMedare. Kana iwe uchitova neMedarere apo iwe unokodzera kuCOBRA, unobvumirwa kunyoresa kuCOBRA.
Kana iwe uine COBRA uye ukava Medicare-akakodzera panguva iyoyo, iwe une chisarudzo chinokosha chaunofanira kuita. Kunyora muMedare kunoreva kuti iwe ucharasikirwa nemari yako yeCOBRA, kunyange iwe ungakwanisa kupfuurira kugoverana kwawakaroorana naye nevanovimba navo. Kana ukasarudza kunonoka kunyoresa kuMedare, ona kuti iwe uchasangana nemitemo yakapera iwe paunopedza kunyora. COBRA zvinobatsira hazvikwanisi kuti uwane Chikamu Chinokosha Chekunyora neMedare.
| Medicare ichabhadhara kutanga | Medicare ichabhadhara yechipiri |
|---|---|
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Medicare uye Worker's Compensation
Mari yekubhadhara yevashandi inoshanda zvakasiyana zvakasiyana nezvinodiwa nemushandirwi wako. Icho chibvumirano chakagadziriswa nehurumende pakati pako nemushandi wako anotaura kuti haungavomani kana bedzi pavanenge vachivhara mari yako yezvokurapa chero ipi zvayo pa-ye-kukuvara kwebasa. Kana iwe uchibvuma kubhadharwa kwevashandi, haugoni kutsvaga kukanganisa kurangwa kwekukuvara uku. Kana iwe uchinge uchinge uchinge wakagadzikana, iwe unogona kumhan'arira kukanganisa sekurwadziwa uye kutambura.
Nepo iwe uchibhadhara mari yemari yako yeurongwa-huripo hwehutano hwehutano, mapeamisi ekubhadhara vanoshanda anobhadharwa nemushandi wako. Hakuchina mari kune iwe. Mushure mokukuvadzwa, iwe unoisa kuda uye kuongororwa kunoitika kuti uone kana kana kwete kukuvadzwa kwako kwaiva nemigumisiro yemunzvimbo yako yepanyika.
Zvinogona kuva mhaka yokuti kubhadhara kwevashandi kunoramba kubvuma kwako kana kuti kungoifukidza zvishoma zvichienderana nemamiriro ekutanga . Somuenzaniso, kana uine marwadzo asingagumi asi marwadzo ako kumashure anowedzera kuipa mushure mekukuvadzwa, zvingava zvakaoma kuziva kuti iwe unoshanda sei kumushandi wako kune zviratidzo zvako. Medicare matanho ari panhanho iyi kuti atange kubhadhara.
Mushandi wemari anogona kubhadhara mari yako yezvokurapa panguva yavanenge vaitika kana kuti inogona kupa nguva imwe chete yekugadzirisa. Mamwe emari aya anogona kuiswa muHurumende yeVashandi 'Compensation Medicare Set Asiri Arrangement (WCMSAA), urongwa hwakafanirwa kuchengetedza mari yekurapa mune ramangwana rekukuvara chero kupi zvayo kunokonzera kushungurudza kwenguva refu. Medicare haizobhadhara kusvikira mari muWCMSAA yapera.
| Medicare ichabhadhara kutanga | Medicare ichabhadhara yechipiri |
|---|---|
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Medicare uye Mishonga yehutano yeHondo
Kana iwe uri mhare, nhengo inoshingaira-yebasa rekushanda, kana nhengo inotora mukana wehupfeksi yemasangano iwe unogona kuva nekodzero yehutano hwehutano kubva kuVeteran's Administration (VA) kana chirongwa chinonzi TRICARE. Aya mazano anobatanidza neMedare nenzira inoshamisa.
Chokutanga uye chakakosha, VA ruzivo runongotarisa kuchengetwa kwakagamuchirwa mune imwe nzvimbo yaVA-authorized.
Chechipiri, Medicare haingabhadhari kubhadharwa kwakabhadharwa neVA benefits uye pamwe chete. Icho hachisi nyaya yebhadharo yepamusoro kana yechipiri pano.
Chechitatu, TRICARE uye Medicare vanoshanda mumakonti. Medicare inoshanda seyo mubhadharo weMedare-akavharidzirwa uye TRICARE inosanganisa chero madhiragi anopa rubatsiro kana mari yekubhadhara mari inobatanidza neyo masangano. Apo basa risina kuvharwa neMedare, TRICARE ichaita semutengo mukuru.
Zvichienderana nehanya iwe unogamuchira, zvinogoneka kuva neMedare uye TRICARE vachiita sepokubhadhara zvikuru panguva imwe chete!
> Sources:
> Medicare uye Mamwe Makomborero Ehutano: Mutungamiri Wako kune Anotanga Kutanga. Nzvimbo dzeMedare uye Medicaid Services. https://www.medicare.gov/Pubs/pdf/02179-Medicare-Kubatana-Benefits-Payer.pdf.
> Medicare Kuverengwa Dashboard. Zvikamu zveMedhareid uye Medicaid Services website. https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/Dashboard/Medicare-Enrollment/Enrollment%20Dashboard.html. Yakavandudzwa muna July 2016.
> Medicare Secondary Payer. Zvikamu zveMedhareid uye Medicaid Services website. https://www.cms.gov/Medicare/Kutsvaga-of-Benefits-and-Recovery/Kunyo---Benefits-and-Recovery-Overview/Medicare-Secondary-Payer/Medicare-Secondary-Payer.html. Yakapedzwa musi waJanuary 30, 2014.
> Kugadzirisa Kwevashandi Medicare Set Arrangement Asiri. Zvikamu zveMedhareid uye Medicaid Services website. https://www.cms.gov/Medicare/Kutaurirana-of-Benefits-and-Recovery/Workers-Compensation-Medicare-Set-Aside-Arrangements/WCMSA-Overview.html. Yakapedzwa musi waApril 18, 2016.