Ndiani Anoyera Pamba, Sekondari, kana Tertiary yeZvinhu Zvimhosva

Kunzwisisa Kurongerwa Kwezvipo

Kugadziriswa kwebatsiro (COB) izwi rinoshandiswa apo murwere ane zvikwereti zviviri zvehutano hwehutano. Mamwe mitemo inoshanda kusarudza kuti chirongwa chehutano hwehutano huripi hukuru (kutanga), yechipiri (yechipiri) kana chepamusoro (chetatu). Pane mitsara yakawanda yekutsanangurira mune zvakarongeka kuti hofisi yezvehutano inofanirwa kubhadhara imwe hurongwa hwehutano hwehutano:

Kudzivirira / Nondependent Rule

Mutongi Anoremekedzwa / Asingadikanwi anoshanda kune wehutano hwehutano inshuwarani uye mutevedzeri wemudzimai. Iko mubhadharo wehutano ndiyo chirongwa chemishonga inshuwarano yehutano inofukidza murwere semushandi, mubhalisi kana nhengo. Mubhadharo wechipiri ndiyo hurongwa hwehutano hwehutano hunofukidza murwere semunhu anovimba naye.

Birthday Rule

Mutemo wekuberekwa unoshanda kune vana vanovimba kana vabereki vakaroora, vasina kuparadzana, kana kuti vane chibatiso chekuchengetedza kuchengetedza izvo zvisingarevi kutakura kwehutano hwehutano. Mutemo wekuzvarwa kwekuzvarwa unoti mubhadharo wekutanga unotarirwa nemubereki uyo zuva rake rekuberekwa rinowira kutanga mukati megore rekare. Muchiitiko chekuti vabereki vose vane zuva rimwe chete rekuberekwa, chirongwa che inshuwarhu yehutano yakapa kugoverwa kwenguva yakareba ndiyo inowanzobhadhara.

Mutemo Wekutonga

Mutemo weKutakura unoshanda kune vana vanovimba nevabereki vakarambana kana kuti vakatsaurwa vasina mutemo wekurambana. Murairo wevaripo yehushuwarisi inotevera urongwa uhwu:

1. Mubereki anotarisira
2. Mudzimai wekuchengetedza mubereki
3. Mubereki asina kuchengetedza
4. Mudzimai wemubereki asina kuchengetedza

Muchiitiko chekuti pane mutemo wokurambana, chirongwa chehutano inshuwarano yemubereki uyo anopiwa nedare rematare kuti atakure utano hwehutano hwekuchengetedzwa kwemwana ndiye mukuru wekubhadhara.

Mutevedzeri Mutemo

Mutemo weVabhorosi anogadza:

1. Apo mubatsiri ane chirongwa chehutano hwehutano inshuwarano uye chirongwa cheCOBRA ( Consolidated Omnibus Budget Reconciliation Act ), chirongwa chehutano hwehutano hwehutano ndicho chekubhadhara zvikuru.
2. Apo mubatsiri kana muwani wemubhadharo ane chirongwa chinoshanda chehutano inshuwarano uye chirongwa cheCOBRA, chirongwa chehutano hwehutano hwevabhorosi ndiyo inowanzobhadhara.
3. Apo mubatsiri ane hutano hwakanaka hwehutano inshuwarano uye chirongwa chehutano hwehutano hwehutano, iyo inoshanda yehutano inshuwarano chirongwa ndiyo inowanzobhadhara.
4. Apo mubatsiri ane zvirongwa zviviri zvehutano hwehutano inshuwarheni, hurongwa hwehutano hwehutano hwakanga hwave huchiita hurefu kwenguva refu ndiyo inowanzobhadhara.

Medicare Secondary Payer

Medicare Secondary Payer kana kuti MSP inoreva Medicare inobatsira apo Medicare haisi iyo inshuwarisi inokosha. Medicare inoda kuti vese vanopa utano hwehutano vazive nzira yekuziva kana Medicare ndiyo inishuwarenzi yepamusoro kana yechipiri yemishonga yavo yeMedare. Medicare inonyanya kana murwere ari:

1. 65 kana kupfuura uye vane boka duku rerongwa hwehutano kuburikidza nevanenge vari vashandi vavo vemuzuva ranhasi kana kuti kuburikidza nevanoshandira vashandi vavo
2. 65 kana kupfuura neine inshuwarisi kuburikidza neurongwa hwekurega basa
3. Vakagadzikana uye vane hurongwa hwehutano hweboka hudiki kuburikidza nevanenge vashandi vavo ikozvino kana kuburikidza neavo vashandi varo vashandi

Mune mamiriro ekuti inshuwalisi yepamusoro inoramba kubvuma, Medicare inogona kubhadhara mune dzimwe mamiriro ezvinhu.

Chechitatu Chekuita KweInishuwarenzi

Nokuda kwebasa rinotsigirwa nehupakuvadza, inshuwarisi yemhosva yechitatu yezvemhosva inofanira kuiswa nguva dzose:

1. Motokari kana Auto Insurance kusanganisira pasina mhosva, mutemo kana Med Pay
2. Worker's Compensation Insurance
3. Inishuwarenzi yeimba yeimba
4. Kunyunyuta Inishuwarenzi
5. Bhizimisi Rakawanikwa Inishuwarenzi

Medicaid - The Payer of Last Resort

Medicaid inogara iri mubhadharo wekupedzisira kusarudza. Izvi zvinongoreva kuti Medicaid inogara ichibhadhara pakupedzisira apo dzimwe hurongwa hwehutano hwehutano huripo. Vakagamuchirwa vanodikanwa kuchengetedza Medicaid kuziviswa nezvehupi hwehutano hwehutano hwehutano. Vapiro vanewo basa rekuzivisa Medicaid yekambani yehushuwarenzi ivo vanoziva pamusoro pezvo uye nekuzivisa Medicaid zvepi zvese zvekupemberera mari dzavanowana muzita remupi.