Ukushada Kungakusindisa Imali
Ngokungafani ne- Medicaid , i-Medicare ayifihli wonke umuntu emndenini wakho. Umuntu ngamunye kufanele ahlangabezane nemigomo yokufaneleka yeMareare ngaphambi kokuba uhulumeni ahlinzeke ngezinzuzo. Lezo zindlela azibandakanyi ubuzwe besizwe sase-US kuphela noma ukuhlala komthetho kodwa nobufakazi bokuthi zidinga usizo lwezokwelapha. Lezo zidingo zezokwelapha zingase zisekelwe ekubeni uneminyaka engu-65 noma ngaphezulu noma uma ukhubazekile .
Lokhu akusho ukuthi ukuphila komndeni wakho akuthinti izinzuzo zakho zeMedare.
Izingane ezingaphansi kwezingane ezikhuliswa yi-Medicare Beneficiaries
Ngonyaka ka-2010, uMthetho Wokunakekelwa Ongenakusiza (u- Obamacare ) wawuvumela abantu abasha abangaphansi kweminyaka engama-26 ukuthi bahlale emisebenzini yezempilo yabazali babo. Inkinga? Leli lungiselelo alingezelele ku-Medicare. Lokho kungafaka imindeni eminingi esikhwameni sokukhokha ephaketheni eminye imithombo yokunakekelwa kwezempilo.
- Abazali abakhubazekile bangase badinge ukuhlinzeka ngempilo yezingane zabo. Kuzodingeka ukuthi bathole ukutholakala komshuwalense okunye futhi lokhu kuvame ukungena eMedicaid. I-Medicaid ihlanganisa abantu abayizigidi ezingu 8.8 abakhubazekile.
- Kukhona izinselele ezizukulu kanye nemindeni lapho izingane zikhuliswa ngogogo nomkhulu. Kubikwa ukuthi u-2.7 million ogogo nomkhulu baphathelene nezidingo zabazukulu babo. Abaningi balabazali nomkhulu bazobe bekhulile naseMedare.
Imikhiqizo yomshwalense wezempilo noma izinhlelo zomshuwalense wangasese zingase zibe izinketho ezisebenzayo zokubheka ukunakekelwa kwezempilo lezi zingane.
Ukuchaza Umshado Ngokusho Kwemithi
Ngaphambi kukaJuni 2013, umshado ngezinhloso zeMedareri wachazwa njengenhlangano yomthetho phakathi komuntu nowesifazane. Lokhu kwasungulwa nguMthetho we-1996 Wokuvikela Umshado (DOMA). Ngenkathi ingxenye ye-DOMA isusiwe ngo-2013, uhulumeni wesifundazwe unikeze usizo lweMedare kumibhangqwana eshadile yobulili obufanayo kodwa kuphela uma behlala emazweni awabona leyo mishado.
INkantolo Ephakeme yase-United States isuke ishaye uDOMA. Kusukela ngoJuni 2015, yonke imishado, ubulili obufanayo noma ubulili obuhlukile, iyabonakala kuMnyango wezeMpilo ngaphandle kwanoma ikuphi abahlala khona ezweni.
Ukufaneleka kweMeditore Savings by Marriage
Kunezindlela eziningana ukuthi umshado ungakusindisa imali ku-Medicare. Ingxenye ngayinye ye-Medicare inemithetho yayo. Uma ufaka intela ngokuhlanganyela, ungafakwa ebhakheni elihlukile lokuthola imali elizoshintsha ukuthi ufunwa kangakanani ukukhokhela izinkokhelo zakho ze-Part B noma ze-Part D. Kuye ngenzuzo yakho ehlangene, ungase ufaneleke nakwezinhlelo ezahlukene zokulondoloza ama-Medicare . Imikhawulo engenayo yalezi zinhlelo ingase ibe ngaphansi kwemibhangqwana eshadile kunabantu abangashadile.
Inzuzo enkulu kakhulu ifika ne-Medicare Part A. Ungathola umshuwalense wezempilo mahhala, okusho ukuthi ngeke ukhokhe intela yenyanga, uma ususebenze iminyaka eyi-10 (40 quarters) emisebenzini efanelekayo ye-Medicare. Ngokuyinhloko, uhulumeni ufuna ukwazi ukuthi ukhokhele ingxenye yakho yentela ehlelekile ohlelweni. Kungenzeka ukuthi awuzange usebenze inani elanele lezindlu ukuze ufaneleke. Noma kunjalo, ungafanelekela ama-premium A Part A mahhala kumlando womlingani wakho.
Ukuze lokhu kwenzeke, umlingani wakho udinga ukuba afanelekele Ukuvikeleka Komphakathi futhi unikele ngezingxenye ezingu-40 kuMsebenzi okhokhelwa umuthi.
Kumele futhi ushade okungenani ngonyaka owodwa ngaphambi kokufaka isicelo samahhala Ingxenye A izinzuzo.
Yiphi Ihlukaniso Eyayenza Emalini Yakho Imithi
Uma uhlukanisile, ungase uzuze emlandweni womsebenzi womlingani wakho wangaphambili ngaphansi kwezimo ezilandelayo:
- Ushadile okungenani iminyaka engu-10 ngaphambi kokuba uhlukanise.
- Uhlala ungashadile.
Ukuthi Ube Umfelokazi Kuphi Izindleko Zezokwelapha Zakho
Uma ungumfelokazi, ungase ufanelekele Ingxenye A yamahhala ngaphansi kwezimo ezilandelayo:
- Washade okungenani izinyanga eziyisishiyagalolunye ngaphambi kokuba oshade naye adlule.
- Uhlala ungashadile.
Kwenzekani Emithwalweni Yakho Yezokwelapha Uma Uyakhumbula
Ukukhumbula emva kwehlukaniso kungaba nemiphumela ehlukahlukene emalungelweni akho e-Medicare.
- Uma ushada futhi oshade naye ophila naye usaphila. Imishado yakho yangaphambili ngeke isabhekwa yi-Medicare uma unquma izindleko zakho ze-Part A premium.
- Uma ushada futhi oshade naye owedlule uyadlula. Uzofaneleka kwi-Part A yamahhala kumlando wakho wangaphambili womngane womshado uma uphinde ushada ngemva kweminyaka engu-60.
- Uma ushada bese uhlukanisa. Ama-premium wakho Ayingxenye ingase isekelwe irekhodi kunoma yimuphi walabo abashade naye uma nje uhlala ungashadile.
> Imithombo:
> Ukufaneleka. Iwebhusayithi yakwaMedicaid.gov. https://www.medicaid.gov/medicaid/eligibility/index.html.
> Omkhulu. Generations United. http://www.gu.org/OURWORK/Grandfamilies.aspx.