Ukutshata Kuyakunokusindisa Imali
Ngokungafani neMedicaid , i-Medicare ayifihla wonke umntu kwintsapho yakho. Umntu ngamnye kufuneka ahlangabezane neendlela zokufaneleka ezifanelekileyo ze-Medicare phambi kokuba urhulumente anike izibonelelo. Ezi zinto zibandakanya ukungabi ngabemi baseMelika kuphela okanye ukuhlala komthetho kodwa kubonisa ubungqina bonyango. Leyo mfuno yonyango inokusekelwe ekubeni uneminyaka engama-65 ubudala okanye ngaphezulu okanye xa ukhubazekile .
Oku akuthethi ukuba ubomi bakho bentsapho abuchaphazeli inzuzo yakho ye-Medicare.
Abantwana abangaphantsi koBantwana abaphakanyiswe yi-Medicare Beneficiaries
Ngo-2010, uMthetho woNonophelo olungabonakaliyo (i- Obamacare ) wavumela abantu abadala abaseneminyaka engama-26 ukuba bahlale kwizicwangciso zezempilo zabazali babo. Ingxaki? Eli lungiselelo alithethi kwi-Medicare. Oku kunokufaka iintsapho ezininzi kwi-hook yokuhlawula ngaphandle kwepokothini kwezinye iindawo zokunakekelwa kwezempilo.
- Abazali abakhubazekileyo bangadinga ukubonelela ngezempilo impilo yabantwana babo. Baya kufuneka ukuba bafikelele kwi-inshurensi eyongezelelweyo kwaye le nto idla ngokuba yiMedicaid. I-Medicaid ihlanganisa abantu abayi-8,8 yezigidi ezikhubazekileyo.
- Kwakhona kukho imingeni kwimindeni kunye neentsapho apho abantwana bakhuliswa ngootatomkhulu. Kubikwa ukuba i-2.7 yezigidi noogogo nabazali banomdla kwiimfuno zabazukulwana babo. Uninzi lwabazali noomkhulu baya kuba badala kunye ne-Medicare.
I-inshurensi yempilo ye-inshurensi okanye izicwangciso ze-inshorensi yabucala zingabakho ukhetho lokunakekelwa ngononophelo lwempilo kubantwana
Ukuchaza Umtshato Ngokwezigulane
Ngaphambi kukaJuni 2013, umtshato ngeenjongo ze-Medicare wachazwa njengomanyano womthetho phakathi kwendoda nomfazi. Oku kwasungulwa ngu-1996 uMthetho woKhuselo lomtshato (DOMA). Xa inxalenye ye-DOMA yachithwa ngo-2013, urhulumente wesigqeba unikezela i-Medicare inzuzo kwizibini ezitshatileyo zesini ngokwabelana ngesini kodwa kuphela xa behlala kwiindawo ezaziqaphela loo mitshato.
INkundla ePhakamileyo yase-United States isuke ishaya iDOMA. Ukususela ngoJuni 2015, yonke imitshato, ngokwesini okanye ngesini esahlukileyo, iyaziwa kwiNgxelo ye-Medicare kungakhathaliseki ukuba bahlala phi ilizwe.
Ulungelo lweMagare Savings by Marriage
Kukho iindlela ezininzi zomtshato onokusindisa imali kwi-Medicare. Inxalenye nganye ye-Medicare ineemithetho yayo. Xa ufaka iirhafu ngokubambisana, unokufakwa kwisibharensi efumana imali eyahlukileyo eya kutshintsha indlela ofuneka ngayo ukuhlawula i-Part B okanye i-premium D zakho. Ngokuxhomekeke kwingeniso yakho edibeneyo, unokukwazi ukufumana iinkqubo ezahlukeneyo zokulondoloza i-Medicare . Imingeniso yengeniso yale nkqubo ingancinci kwiibini ezitshatileyo kunabantu abangatshatanga.
Inzuzo enkulu kakhulu ihamba ne-Medicare Part A. Unokufumana i-inshurensi yesibhedlele mahhala, oku kuthetha ukuba awuyi kuhlawula i-premium yenyanga, ukuba usebenze iminyaka eyi-10 (40 quarters) kwi-Medicare-efanelekayo yengqesho. Eyona nto, urhulumente ufuna ukwazi ukuba uhlawule isabelo sakho esilungileyo serhafu kwinkqubo. Kungenzeka ukuba awuzange usebenze inani elaneleyo leekota ukuze ulungele. Nangona kunjalo, unako ukufumana i-premium ye-Part A premium kwirekhodi lomlingane wakho.
Ukuze kwenzeke oku, iqabane lakho kufuneka lilungele ukuKhuseleko loLuntu kwaye lenze igalelo ezingama-40 kwiNgqesho ehlawulwa irhafu.
Kumele utshatile ubuncinane ubuncinane omnye unyaka ngaphambi kokufaka isicelo samahhala eNgxenye ye-A.
Yiyiphi intlato eyenzayo kwiindleko zakho zemithi
Ukuba uqhawule umtshato, usenokuzuza kwingxelo yomsebenzi weqabane lakho langaphambili phantsi kweemeko ezilandelayo:
- Utshatile ubuncinane iminyaka eyi-10 ngaphambi kokuba uqhawule umtshato.
- Uhlala ungatshatanga.
Yintoni Okuba Ngumhlolokazi Ngaba Iindleko Zamayeza Zakho
Ukuba ungumhlolokazi, unokufanelekela kwiNgxenye A ngaphandle kwemiqathango elandelayo:
- Utshatile ubuncinane iintsuku ezilisithoba ngaphambi kokuba udade wakho afe.
- Uhlala ungatshatanga.
Yintoni eyenzekayo kwiindleko zakho zeMedare xa ukhumbula
Ukuqwalaselwa emva kokuqhawula umtshato kunokuba nemiphumo eyahlukileyo kumalungelo akho aMayeza.
- Ukuba uphinde utshatile kwaye iqabane lakho langaphambili liphila. Umtshato wakho wangaphambili awuyi kuphinda uthathelwe yi-Medicare xa uqikelela iindleko zakho zePalamum ye-Part A.
- Ukuba ubuya kutshata kwaye iqabane lakho langaphambili lidlula. Uya kulungeleka kwi-Part A yamahhala kwirekhodi lomlingane wangaphambili xa ubuya kutshata emva kweminyaka engama-60.
- Ukuba uphinde utshatile uze uqhawule umtshato. Icandelo lakho Iiprayimari zingase zisekelwe kwirekhodi kunoma yimuphi umntu owayekade uhlala naye ngaphandle kokuba ungatshatanga.
> Imithombo:
> Ukufaneleka. Website Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/index.html.
> Inzalamizi. Izizukulwana eziManyeneyo. http://www.gu.org/OURWORK/Grandfamilies.aspx.