Vose veAmerica Vakwegura 65 kana Vakwegura Vanokodzera Medicare
Vanenge vose veAmerica vane makore makumi matanhatu nemashanu kana kupfuura vanokodzera Medicare , uye vanenge vose vanofanirwa neMurengeti weAA (inshuwarhu yehupatara) pasina purogiramu.
Zvisinei, havasi vose vese makore makumi matanhatu kana kupfuura vanoda kugamuchira Medicare. Vamwe vanhu vanonzwa sokuti vari kumanikidzwa muMedarere pazera remakore makumi matanhatu nemasere pakatarisana nevanoda ivo pachavo.
Sei ichi chiri icho?
Sei Ndichiri Kumanikidzirwa kuMedare paAri 65?
Kana iwe kana mudzimai wako makashanda kwemakore anenge gumi mubasa apo Medicare mitsamba yakanga isina kubhadhara (kusanganisira kubasa kwaunoita iwe kwawakabhadhara mitero yako pachako yebasa), iwe uchange uine kodzero yekuwana Medicare kana uchingosvitsa 65.
Vaparidzi venguva pfupi havana kukodzera kuMurengeti, asi kana vave vagari vomugari venguva yemutemo kwemakore mashanu uye vane makore makumi matanhatu nemasere, vane mukana wokutenga Medicare chinyorwa-kusiyana nekutora Medicare Part A yekusununguka-iyo ndiyo imwe nzira inowanika kune vanhu venguva refu vemuUnited States avo, nokuda kwechimwe chikonzero kana chimwe, havana nhoroondo yebasa inovapa mukana wekushandisa mushonga weM premiare-free wa Premium (kunyange zvazvo vanhu vazhinji vachiwana Medicare Part A vasina mari yepayimusi, inodhura kusvika $ 422 / mwedzi yevanhu vanofanira kuzvitenga nokuti vane makore mashomanana kana asina makore emabasa).
Vaya vanogamuchira Social Security mibairo vanozonyorwa ku Medicare kana vaine makore 65.
Hapana nzira yekubuda muMedare kana iwe uri 65 kana ukawana Social Security. Chero iwe unyoresa mu Medicare Part A, kana iwe unorasikirwa neHindu Social benefits. Vanhu vakawanda havadi kukanganisa Social Security benefits, uye saka vanobvuma kuverengwa ku Medicare. Cherechedza kuti iwe unongotarisirwa kubvuma Medicare Chikamu A-iyo isingabhadharwi pasina kana iwe uri kugamuchira Social Security mitsva-kuitira kuchengetedza Social Security yako.
Iwe unobvumirwa kuramba Medicare Chikamu B -icho chine purogiramu- kana ukasarudza kuita kudaro, kunyange iwe unogona kuzviisa pasi pekuregererwa kwekupedzisira kunyoresa kana ukasarudza kunyoresa muChikamu B pane imwe nguva inotevera.
Pane huwandu hwekufungidzira pamusoro pekuti nei hurongwa hwakagadzirwa nenzira iyi, asi nhamo, hapana mhinduro yakajeka kana yakananga. Zvichida mutemo uyu wakatanga kuiswa kuti zvive nyore kune vakwegura kunyora muMedare kana vachisvika pamakore makumi matanhatu nemashanu, asi havana kumbobvira varegererwa pavanenge vakavharwa voga. Kuvhara kwega pachako kwakanga kusingashandisi kuva kwakafanana sezvazviri ikozvino, iyo inogona kusiya vakawanda vakwegura vasina kuchengetwa kweutano. Izvi zvakaratidza nyaya apo pasina mubvunzo vanoda kutarisira utano.
Pasinei nokuti nei sangano iri rakagadzirirwa nenzira iyo, mitemo ndiyo mitemo, uye haikwanise kuchinja munguva yemberi iri pedyo.
Kuguma kweKambani-Yakagadziridzwa pa 65
Kana iwe usati wava 65 asi uri mujeri uye uchigamuchira zvekuchengetedza zvigaro zvehutano kubva kune waimbova mushandirwi, iva nechokwadi kuti unoziva mitemo yevanoshandira pamusoro peMedare. Vamwe vashandi havasi kuramba vachipa rubatsiro rwehutano hwakanaka hwevaimbova vashandi mushure mekunge vashandura makumi matanhatu nemashanu, vachida panzvimbo yekuti vashandire mari kuchinja kuti vawane chete neMedare.
Pasina kugoverwa kubva kune kambani yako, unoda Medicare kuti uone kuti iwe wakafukidzirwa pane zvingaitika zvinouya nekukwegura.
Dzimwe makambani haazogadziri munhu zvakakwana pazera remakore makumi matanhatu nemashanu, asi panzvimbo pacho acharamba achipa supplemental retiree, iyo inogona kushandiswa pamwe ne Medicare (inogona kukuda kuti iwe unyore mune zvose Medicare Part A uye Chikamu B kuitira kugamuchira zvizere zvikwereti-sekuparidzirwa kwechipiri-kubva kurongwa hwehutano hwakanaka). Izvo zvinowedzera kubhadharwa kwehutano zvinogona kusanganisira chirongwa chechirongwa chekushandisa zvinodhaka (izvo zvisingawanikwi neMagareti, asi zvinogona kutengwa neMedareti D Dha kana iwe usingakwanisi kubhadharisa vashandi-kubhadharwa kugoverwa), chiremba anoshanyira, uye imwe hutano huri kunze kutarisira.
Medicare ichava yako huru yekugovera kana iwe uri pasi peurongwa hwehutano hwakanaka, pamwe neurongwa hunopiwa newaimbova mushandirwi ari kushanda sechipiri chekuvhara.
Kana iwe uine humwe hutengeserwo hwemusika, wakatengwa muchitsinhanho kana kunze kwekutsinhanisa, iwe uchada kutaurirana kugoverana kana wako inshuwarha kuti uvakumbire kubvisa kugoverwa kwako apo iwe uchinjira kuMedare. Pamberi peAACA, vatsigiri vemisika yepamusoro havawanzoiti munhu wese ane makore makumi matanhatu nematanhatu, saka zvirongwa zvakaguma zvisingachagadziri apo vanhu vainge vava nemakore 65. Izvo zvisiri zvakare, saka vanyoresa vanofanira kuve nechokwadi chokuti vanobvisa pamusika mumwe wavo pamusika kugoverwa pavanoshandura kuMedare.
Hapana mutemo unoti iwe unofanira kukanda urongwa hwako hwemusika paunonyora muMedare, kunyange zvazvo kazhinji pasina chikonzero chekuchengetedza chirongwa chemari yega yega mushure mekunge iwe unyoresa kuMedare. Uye kana uri kuwana rubatsiro rwekubhadhara mari yepamusoro kubvisa zvimwe zvekutengeswa kweurongwa hwako hwemisika, iyo inoguma kana iwe uchisvika 65.
> Sources:
> Centers for Medicare neMedicaid Services. Inowanzobvunzwa Mibvunzo NezveMedare uye kuMusika . August 1, 2014.
> Medicare.gov. Medicare 2018 Mari inokudzwa.
> Medicare.gov. Chikamu B Chekunyora Kuverengwa Kwechirango.
> Medicare.gov. Retiree Insurance.
> Medicare.gov. Zvinyorwa / Shandura Zvirongwa.