Shandisa uwandu hwekunyora kuti uongorore uye uvandudze kusarudzwa kwako kwehutano
Kuguma kwegore kuri kuswedera pedyo, izvo zvinoreva kuti nguva yekuita sarudzo yekubatsirwa kwehutano yasvika. Nguva mbiri dzinokosha nguva dzemamiriyoni eAmerica dzinopinda muchidimbu, kunyanya munaNovember.
Vanenge mamiriyoni makumi mashanu veAmerica vari kutora chikamu pamutemo weMedare gore rose kubva munaOctober 15 kusvika Dec. 7.
Mukuwedzera, vanenge mamiriyoni makumi maviri eAmerica vakakodzera kupinda muUnited Insurance Marketplace kunyoresa kusvitsa November 1, 2016, kusvika munaJanuary 31, 2017.
Ndiyo imwe yezvinotyisa nguva dzekutenga nguva dzekutengesa zvegore, kunyanya apo iwe unobata mumamiriyoni evanhu vari kusarudza zvikwereti zvehutano kuburikidza nevanoshandira. Muzviitiko zvakawanda, zvirongwa zvehutano hwakasarudzwa panguva ino inozoitika muna Jan. 1, 2017.
Zvinotevera ndezvipi mibvunzo 9 inobvunzwa panguva yekunyora kusununguka, kunyanya kana une zvakawanda zvingasarudzwa iwe.
1. Ndezvipi zvirongwa zvinowanikwa kwandiri?
Zvichienderana nemamiriro ako ezvinhu, kana kushandisa Medicare kana Misika-iwe unogona kunge uine zvirongwa zvakawanda zvokusarudza kubva. Semuenzaniso, vanhu vanoshandisa Medicare vanogona kusarudza kubva pavhareji yemagadzirirwo emanomwe eMedare Advantage. Kusarudza utano hweutano kunogona kuonekwa kwakaoma uye kunopisa. Asi zvakakosha kuziva kuti iwe unogona kunge usiri kurasikirwa mari inokosha kuburikidza nekusanyatsoongorora zvese zvaunosarudza.
2. Ndezvipi zvinodiwa zvangu pasi peurongwa?
Mamiriro ako ehutano wehutano ndewemunhu, kusanganisira mishonga yako, vanachiremba, nyanzvi dzako, uye chirongwa chako chekurapa.
Vamwe vanhu vanotarisira mamiriro ezvinhu ehutano husingaperi. Semuenzaniso, Centers for Medicare & Medicaid (CMS) inoshuma kuti zvinodarika zviviri zvezvitatu zvevashandi veMedare vane maviri kana mamwe maitiro asingagumi. Chisarudzo cherongwa hwehutano hwehutano huchave chinhu chinokosha pakugadzirisa zvido zvako zvakasiyana, izvo zvinopa chimwe chikonzero chekuongorora zvakanyanya zvaunosarudza.
3. Chiremba wangu akavharwa pasi peurongwa urwu here?
Chiremba chisarudzo ndechimwe chezvinhu zvakakosha kune vanhu vanovandudza hutano hwavo hwehutano hwehutano gore negore. Vanhu vazhinji havazivi, zvisinei, kuti vanachiremba vanokwanisa kusiya chirongwa chehutano chero ipi zvayo mugore rose. Kana kusarudzwa kwechiremba kuchikosha, saka gara uchikurukurirana zvakasimba nachiremba wako. Zvinokwanisika kuvimbisa kuti chiremba wako akafukidzwa neurongwa hwehutano hwako hwaunosarudza gore rinouya, asi zive kuti chiremba wako ane rusununguko rwekuchinja mune gore rinouya.
4. Chii chinonzi plan premium?
Mutengo wekupedzisira wehutano hwehutano hwako hunokosha. Iri dhora rinogona kukubatsira kana ukaongorora zvirongwa zvakasiyana uye zvavanopa. Zvakakoshawo kuongorora zvakakwana mari yekugovera, iyo inotitungamirira kune imwe nzvimbo inotevera.
5. Ndezvipi zvimwe zvinotarisirwa zvandinofanira kuongorora?
Iko mari yako yekunze yehutano yehutano haisi kungoita purogiramu yemwedzi wega wega. Urongwa hwehutano hwehutano hwaunosarudza huchabatanidza zvigadziriswa zvekubviswa, co-inshuwarisi uye / kana mari yekubhadhara mari. Izvo zvinodheredzwa ndiyo dhora rekuti munhu ane kodzero yekubhadhara musati urongwa hwehutano hwehutano hwakatanga kubhadhara. Semuenzaniso, neChirungu cheMedare Rega (zvipatara), iyo inobhadhara inofanira kubhadhara nguva imwe neimwe yekubatsira.
Mune zvimwe zviitiko, kufanana neAsia yaMutare Medicare Part B (mazano ezvokurapa), iyo inobviswa inofanira kubhadharwa gore roga roga.
Co-inshuwarheni ndiyo chikamu chekubhadhara kwebasa iro munhu wacho anofanira kuripa. Semuenzaniso, chirongwa chacho chinogona kuva nematengo 80-20, zvinoreva kuti urongwa huripo huripo huwandu hwemazana makumi mapfumbamwe ematambudziko apo iwe uchibhadhara makumi maviri kubva muzana. Pamwe chete nemitengo iyi, pane kubhadhara mari, iyo inongororwa mari inobhadharwa panguva yaunowana rubatsiro.
6. Ndinofunga here kuti hutano hwangu hunodikanwa hunogona kuchinja gore rinotevera?
Zvinogona kunge zviri nyore kana zviri nyore kupfuura kungovandudza urongwa hwako huripo hwegore rinotevera. Izvi zvinogona kunge zvisina kunaka, zvisinei, kana pane zviratidzo zvingada kuwedzera kugoverwa mugore rinouya. Nyaya dzine hutano hazvirevi kutarisirwa, asi zvakakosha kudzokorora gore rapera uye kutarisira kumhando yezvido zvaunenge uine mugore rinouya, kunyanya kana iwe kana nhengo yemumhuri mune dambudziko rehutano husingaperi.
7. Ko kana ndikasaita chisarudzo?
Kana iwe watotonyora muurongwa, iwe unogona kunge wakanyoresa zvakare kana iwe usingaiti chero rudzi rwekusarudza. Izvi ndezvechokwadi kune vaMedari vanobhadhara. Iwe unofanirwa kugamuchira ruzivo kubva kune wako wehutano wehutano nezverongwa hwegore rinouya uye kana kune kuchange kuine kuchinja kune zvinyorwa uye zvigadzirwa. Dzokorora magwaro aya pedyo kuti uone kuti zvaunoda zvichasangana.
8. Ndedzipi dzimwe nzira dzandingawana nadzo yekuwedzera, zvakadai semeno, maonero, kunzwa, kana kuwedzera?
Zvichienderana nemamiriro ako ezvinhu, unogona kutenga kutenga mamwe maitiro kana kutarisa zvirongwa zvinosanganisira mamwe mabasa ehutano anoonekwa sekuwedzera. Mienzaniso inosanganisira mazino, maonero uye kuvanzwa kwekunzwa. Kana zvinhu izvi zvakakosha kwauri, zvinogona kuva chikonzero chakanaka chekutarisana nemubatsiri wekubatsira kuti unzwisise dzimwe nzira.
9. Ndezvipi zvandinosarudza kumudzimai wangu uye kuvimba?
Kuenzanisa zvinodiwa nemhuri yako nemarongwa ehutano anowanikwa zvinogona kuoma. Munharaunda yemazuva ano, zvinogona kuitika kuti iwe, wako wako, nevanovimba navo vose vanoshandisa kana vanoda zvirongwa zvehutano hwakasiyana.
Nokuti pane nzira dzakawanda kudaro, zvinova zvakakosha zvikuru kunyatsotsvaga zvaunogona kuita. Izvo zvinogonawo kuve zvakakosha kushanda nehutano hwehutano hwekugadzirisa unyanzvi uyo ane ruzivo muMedare, Health Insurance Marketplace, uye nemamwe marudzi ekuparidzira.
Kubatsira kwenguva yakareba yekuwana rubatsiro nekuita zvisarudzo zvakanaka pamwaka unozonyorwa pakunyoresa kunosanganisira mari yekuchengetedza gore rinotevera, pamwe nekugoverwa kunosangana nezvinodiwa zvehutano hwemhuri yako.
Tricia Blazier isangano reHIV Health and Financial Planning Director weAllsup, kambani inopa huwandu hwakawanda hwemashumiro, kusanganisira kubatana kwevashandi vanobatsirwa uye mapurogiramu ekubhadhara vashandi neSocial Disability Disability Insurance (SSDI) uye Medicare.