Kuva Wakaroorana Kunogona Kukuchengetedza Mari
Kusiyana neMedicaid , Medicare haina kuvhara munhu wose mumhuri yako. Munhu mumwe nomumwe anofanirwa kusangana neMedarere kugadziriswa kwehurongwa hurumende isati yasvika. Izvozvo zvinosanganisira kwete hurumende yeUnited States kana kugara kwepamutemo asiwo uchapupu hwehutano hunoda. Izvozvo zvinoda kurapwa zvingave zvichibva pakuve nemakore makumi matanhatu nemashanu kana kupfuura kana kuti iwe une hurema hwekufanirwa .
Izvi hazvirevi kuti hupenyu hwemhuri yako hahune hutano hweMederal benefits yako.
Kubata Vana Vanokurudzirwa neMedare Vanobatsira
Muna 2010, Affordable Care Act ( Obamacare ) yakabvumira vechidiki vaduku pasi pezera remakumi maviri nemaviri kuti varambe vari muzvirongwa zvehupenyu hwevabereki vavo. Dambudziko? Iri urongwa haruwedzeri kuMedare. Izvozvo zvinogona kuisa mhuri dzakawanda pachikwereti chekubhadhara kunze kwehomwe yeimwe nzvimbo yehutano.
- Vabereki vakaremara vangada kupa hutano hwevana vavo. Vachange vachida kuwana dzimwe shandisitiri inoshandiswa uye izvi zvinowanzoitika kuburikidza neMedicaid. Medicaid inobata vanhu 8,8 mamiriyoni vane hurema.
- Zvinetso zvinomuka zvakare kumhuri dzemhuri nemhuri umo vana vanorerwa naambuya navanasekuru. Zvinorondedzerwa kuti vanambuya vane mamiriyoni 2,7 ndivo vane basa rekuda kwevana vavana vavo. Vakawanda vevakuru nanasekuru vachave vakwegura uye paMedare.
Inishuwarenzi yehutano pamusika kana purogiramu yehupfandiro yega yega inogona kunge yakakosha yekusarudza kuchengeta utano hwevana ava
Kurondedzera Imba Maererano Nemishonga
Musati munaJune 2013, kuroorana kwezvinangwa zveMedare kwakatsanangurwa sehutano hwepamutemo pakati pemurume nemukadzi. Izvi zvakasimbiswa ne 1996 Defence of Marriage Act (DOMA). Apo chikamu cheDOMA chakabviswa muna 2013, hurumende yehurumende yakapira Medicare zvakabatsiro kune vakaroora vakaroorana vakadaro asi chete kana vakagara mune dzimwe nyika dzaiziva iyo michato.
Dare Repamusorosoro reUnited States rakabva raparadza DOMA. Kubva munaJune 2015, misha yega-yese, yega-yepabonde kana yepabonde, inoratidzirwa kwehutachiona hweMedare pasinei nokuti vanogara kupi munyika.
Kufanirwa kweMedareji Kuponeswa Nechato
Pane nzira dzakawanda dzokuti imba inogona kukuchengetedza mari muMedare. Chikamu chimwe nechimwe cheMedare ine mitemo yayo pachayo. Kana iwe ukaisa mitero pamwe chete, iwe unogona kuiswa mune imwe bhakoni yemari inoshandura iyo inoshandura kuti iwe unofanirwa kubhadhara chikamu cheB B kana chikamu cheD Part D. Zvichienderana neunowanikwa pamwe chete, iwe unogona kunge uchikodzera zvirongwa zvakasiyana zveMederal savings . Mipiro yekuwana iyo mapurogiramu inogona kuva shomanana kune vakaroorana kune vanhu vasina kuroorwa.
Chimwe chikomborero chikuru chinouya ne Medicare Part A kugoverwa. Iwe unogona kugamuchira inshuwarisi yezvipatara iri pachena, zvinoreva kuti iwe haugoni kuripa mwedzi wemwedzi wekutanga, kana wakashanda makore gumi (40 makore) mu Medicare-yakakodzera basa. Chaizvoizvo, hurumende inoda kuziva kuti iwe wakabhadhara chikamu chako chakanaka chemitero muhurongwa. Zvinogona kunge zvakadaro kuti iwe usati washanda nhamba yakakwana yemigota kuti uwane. Zvisinei, iwe unogona kukodzera kusununguka Chikamu A mapurogiramu pane zvinyorwa zveumwe wako.
Kuti izvi zviitike, wako wako anoda kuve akakodzera kweSocial Security uye akagovera makumi mana muMedare-taxed basa.
Iwe unofanirwawo kuva wakaroorana kwegore rimwe chete usati waita kuti uwane rusununguko Chikamu A zvinobatsira.
Iro Kurambana Kunobatsira Kupi Mushonga Wako Mari
Kana iwe ukarambana, iwe unogona kubva uchibatsirwa nebasa rebasa remumwe wako wekare mukomana pasi pemamiriro ezvinhu anotevera:
- Iwe wakaroora kwemakore anenge gumi usati watambana.
- Iwe unoramba usina kuroorwa.
Chii Chakuva Chirikadzi Chiri Kumutano Wako Mari
Kana iwe uri chirikadzi, unogona kukodzera kubhadhara Chikamu A pasi pemamiriro ezvinhu anotevera:
- Iwe wakaroorana kwemwedzi mipfumbamwe musati wafa.
- Iwe unoramba usina kuroorwa.
Chii Chinoitika Kumutano Wako Zvinodhura Paunoyeuka
Kuyeuka mushure mekurambana kunogona kuva nemigumisiro yakasiyana-siyana pamitemo yako yeMedare.
- Kana iwe ukarooranazve uye wako wekare mukadzi wako mupenyu. Imwe yekare yakaroorana haichazovi nekutarirwa neMurengeti paunenge uchitarisa chikamu chako A premium cost.
- Kana iwe ukaroorwazve uye wako wekare wawakaroorana naye anopfuura. Iwe uchakodzera kusununguka Chikamu A pane zvakaitika kare kune wawakaroorana naye kana iwe ukaroorwazve mushure memakore makumi matanhatu.
- Kana iwe ukarooranazve uye kurambana. Chikamu Chako Zvikomborero zvingave zvichibva pane zvinyorwa kune vamwe vewakaroorana navo chero bedzi iwe uchiramba usina kuroora.
> Sources:
> Eligibility. Medicaid.gov website. https://www.medicaid.gov/medicaid/eligibility/index.html.
> Grandfamilies. Generations United. http://www.gu.org/OURWORK/Grandfamilies.aspx.