Shin Medicare Yana Ba da Maɗaukaki Ma'aurata?

Wadatacce

• Menene ka'idoji game da ɗaukar hoto da ma'aurata?
• Shin idan matata ta girme ni, kuma sun cika ƙa'idodi 40?
• To idan matata ta girme ni, kuma na cika ƙa'idodi 40?
• Shin akwai wasu ƙa’idodi ko fa’idar wasu mata?
• Wadanne sassan Medicare zan iya rabawa tare da matata?
• Menene abubuwan yau da kullun na Medicare?
• Menene shekarun cancanta don Medicare?
• Mahimmancin kwanakin ƙarshe na Medicare
• Takeaway

Medicare tsarin inshora ne na mutum, amma akwai lokacin da cancantar ɗaya daga cikin mata na iya taimaka wa ɗayan ya karɓi wasu fa'idodi.

Har ila yau, yawan kuɗin da kuke samu tare da abokiyar aurenku hade na iya shafar kuɗin inshorar ku na Medicare Part B.

Ci gaba da karatu don gano yadda ku ko abokiyar aurenku za ku iya cancanta ga Medicare dangane da tarihin aiki da shekaru.

Menene ka'idoji game da ɗaukar hoto da ma'aurata?

Medicare fa'ida ce ga mutanen da suka yi aiki kuma suka biya harajin Social Security na aƙalla kashi huɗu cikin huɗu na aiki, wanda kusan kimanin shekaru 10 ne.

Idan matar mutum ba ta yi aiki ba, har yanzu suna iya cancanta ga Medicare Sashe na A dangane da tarihin aikin abokin aurensu lokacin da suka cika shekaru 65.

Don samun cancantar Medicare Sashe na A yana da shekaru 65 gwargwadon tarihin aikin matarka, dole ne ku cika ɗayan buƙatun masu zuwa:

• Kunyi aure da matarka wanda ya cancanci fa'idodin Tsaro na aƙalla shekara 1 kafin neman tallafin Social Security.
• An sake ku, amma kun auri aboki aƙalla shekaru 10 waɗanda suka cancanci fa'idodin Social Security. Dole ne yanzu ku zama marasa aure don neman fa'idodin aikin likita.
• Ba zawarawa, amma ka yi aure aƙalla watanni 9 kafin matar ka ta mutu, kuma sun cancanci fa'idodin Social Security. Dole ne yanzu ku zama marasa aure.

Idan ba ka tabbatar ka cika wani abin da ake bukata ba, za ka iya tuntuɓar Social Security Administration ta hanyar kiran 800-772-1213. Hakanan zaku iya ziyarci Medicare.gov kuma kuyi amfani da ƙididdigar cancantarsu.

Shin idan matata ta girme ni, kuma sun cika ƙa'idodi 40?

Idan matarka ta girme ka, za su cancanci fa'idodin aikin likita a shekara 65.

Wataƙila kuna iya karɓar fa'idodin Medicare dan lokaci kaɗan idan kun kasance aƙalla shekaru 62, ku auri wani wanda shekarunsa suka kai 65, sannan kuma ku yi aiki na kashi 40 kuma ku biya harajin Medicare.

Idan baku cika waɗannan buƙatun ba, ƙila ku sami damar cancanta ga Sashin Kiwon Lafiya na A, amma dole ne ku biya kuɗin Sashin A har sai kun cika shekaru 62.

Idan ba ku yi aiki ba ko kuma ba ku cika abin da ake buƙata na 40 ba, kuna iya jira har zuwa shekara 65 don karɓar ɗaukar hoto a ƙarƙashin fa'idodin matar ku.

To idan matata ta girme ni, kuma na cika ƙa'idodi 40?

Yanzu bari mu duba lokacin da matarka ta girme ka kuma matarka ba ta cika ƙa’idodi 40 ba, amma ka yi.

Lokacin da kuka cika shekaru 62 kuma abokiyar aurenku tana da shekaru 65, abokin aurenku galibi yana iya karɓar fa'idodin aikin likita kyauta.

Har sai ka kai shekara 62, abokiyar aurenka na iya karɓar Sashin Kiwon Lafiya na A, amma zai biya kuɗin idan ba su cika kashi 40 na aikin da ake buƙata ba.

Shin akwai wasu ƙa’idodi ko fa’idar wasu mata?

Yana da mahimmanci a san cewa idan matarka ta rasa inshorar su na sirri ko na ma'aikata kuma har yanzu ba ka kai shekara 65 ba, har yanzu akwai shirye-shiryen inshora wanda zai iya taimaka maka.

Kuna iya tuntuɓar Shirin Taimakon Inshorar Kiwan Lafiya na Jiha (SHIP) don karɓar ba da shawara game da kiwon lafiya kyauta.

Kuna iya gano idan matakin kuɗin ku ko lafiyar ku sun cancanci ku don sauran shirye-shiryen taimakon tarayya kamar Medicaid.

Wadanne sassan Medicare zan iya rabawa tare da matata?

Fa'idodin matar suna aiki ne musamman ga Sashe na A na Medicare (ci gaba da karantawa don bayanin abin da duk sassan ya rufe).

Ba za ku iya sayan ɗaukar hoto na ma'aurata ba don kowane sashin Medicare. Dole ne ku biya wa ɗayan ɓangarorin kan manufofin ku.

Koyaya, yana da mahimmanci la'akari da duk zaɓuɓɓukanku don ɗaukar nauyin Medicare kuma menene zaiyi aiki mafi kyau don buƙatunku. Ofayan waɗannan zaɓuɓɓukan shine Amfanin Medicare (Sashe na C), wanda ke haɗa ɓangarorin A da Sashin B tare kuma yana ba da ƙarin ɗaukar hoto da fa'idodi.

Idan ƙarin ɗaukar hoto, kamar haƙori, hangen nesa, ko kulawa da ji, yana da mahimmanci don kiyaye lafiyar mutum, ba da ɗan tunani ko asalin Medicare ko Medicare Advantage zai yi aiki mafi kyau a gare ku.

Menene abubuwan yau da kullun na Medicare?

Gwamnatin tarayya ta tsara Medicare don zama kamar menu “a la carte” inda zaku zaɓi nau’ikan ɗaukar hoto daban-daban.

Waɗannan nau'ikan ɗaukar hoto sun haɗa da:

• Kashi na A. Sashe na A yana ba da ɗaukar hoto don zaman asibiti a asibiti da hidimomin da suka dace yayin da suke cikin asibiti, kamar abinci, magunguna, da warkarwa ta jiki.
• Kashi na B Sashe na B yana ba da ɗaukar hoto na asibiti don ziyarar likita da kuma sabis ɗin likitancin da ya dace. Dole ne ku biya farashi na kowane wata don wannan sabis ɗin, kuma ya dogara da yawan kuɗin da kuke yi da abokiyar aurenku kowace shekara.
• Kashi na C. Sashi na C kuma an san shi da Amfani da Medicare. Waɗannan nau'ikan shirin suna haɗuwa da ayyuka daga Sashi na A da Sashi na B, amma ƙila suna da dokoki daban-daban da buƙatu game da abin da masu ba da kiwon lafiya da wuraren da za ku iya karɓar kulawa daga. Waɗannan fa'idodin na iya ɗaukar ƙarin sabis, kamar hangen nesa da haƙori.
• Kashi na D. Sashe na D yana ba da jigilar maganin magani a cikin adadin daban-daban. Kuna siyan waɗannan manufofin ta hannun inshora masu zaman kansu.
• Madigap. Medigap, wanda aka fi sani da Medicare Supplement Plans, na iya ɗaukar nauyin wasu kuɗaɗen kuɗi na aljihu tare da Medicare kuma ana bayar dashi ta inshorar masu zaman kansu. Misalan sun haɗa da biyan haɗin inshora.

Kuna iya cancanta kawai don karɓar fa'idodin abokin aure don Sashin Medicare Sashe na A. Sauran sassan Medicare ba sa buƙatar tarihin aiki, kuma suna da farashi mai alaƙa da ɗaukar su.

Menene shekarun cancanta don Medicare?

A mafi yawan lokuta, mutum ya cancanci zuwa Medicare idan sun kai shekaru 65.

Akwai wasu keɓaɓɓu, gami da mutanen da shekarunsu suka gaza 65 wanda likita ya gaƙasasshe, yana da ƙarshen ƙwayar koda (ESRD), ko kuma yana da amyotrophic lateral sclerosis (ALS).

Mutanen da suka cika waɗannan buƙatun na iya cancanta ga Medicare Part A kafin shekara 65.

Kamar yadda aka tattauna a sama, ƙila ku cancanci zuwa Medicare Part A kafin shekara 65, idan mijinki ya kai 65 kuma ya cancanta.

Mahimmancin kwanakin ƙarshe na Medicare

• Kusa da ranar haihuwar ka 65th. Kuna da fasaha kuna da watanni bakwai don yin rajista a Medicare - watanni 3 kafin watan haihuwar ku da watanni 3 bayan haka. Kuna iya ziyartar ƙididdigar cancantar Medicare don takamaiman ranakun da aka bayar inda ranar haihuwar ku ta faɗi akan kalandar.
• Janairu 1 zuwa Maris 31. Waɗanda ba su yi rajista a cikin Medicare ba a yayin tagarsu a kusa da ranar haihuwarsu ta 65 za su iya yin rijista a wannan lokacin "Babban Lokacin Rubutawa." Maiyuwa ne su biya bashin da aka kara wa jadawalin Bankin B don yin rijistar daga baya.
• Afrilu 1 zuwa Yuni 30. Lokaci na shekara lokacin da zaku iya ƙara Medicarin Medicare ko shirin Medicare Part D idan kun zaɓi.
• Oktoba 15 zuwa Disamba 7. Wannan shine lokacin buɗe rajista na shekara-shekara don Fa'idodin Medicare da Sashin Kiwon Lafiya na D. Sabon shirye-shirye galibi zai fara aiki a ranar 1 ga Janairu.

Takeaway

Yawancin kulawa game da Medicare da ma'aurata suna kewaye da Medicare Sashe na A, wanda shine sashin inshora wanda ke rufe ziyarar asibiti.

Sauran sassan suna nan yayin da mutum ya cika shekaru 65 kuma ya yarda ya biya kuɗin inshorar.

Idan kuna da ƙarin tambayoyi game da fa'idodin Medicare, zaku iya kiran Social Security Administration (SSA) a 800-772-1213 ko ziyarci ofishin SSA na yankin ku don ƙarin bayani.

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.

Karanta wannan labarin a cikin Mutanen Espanya