Kaalmada Kharashka Daryeelka Caafimaadka
Medicare
Kaa caawinaya inaad awood u yeelato daryeelka aad u baahan tahay.
Dheefta oo Kooban
Shaqaalaha daryeelka guriga iyo taageerada shakhsi ahaaneed ee xaqa u leh ee haysta Medicare, faa’iidooyinka Caawimada Kharashka Daryeelka Caafimaadka ayaa ka caawinaad geysanaya kharashyada:
- Khidmadaha billaha ah ee Medicare Qeybta B (ilaa $185/bishii sanadka 2025)
- Khidmadaha billaha ah ee Medicare Qaybta D, Supplement, ama qorshayaasha Advantage (ilaa $50/bishii sanadka 2025)
- Kharashyada jeebka ka baxsan, sida kuwa laga jaro, lacag-wadaaga, ceymiska iyo warqadaha daawada ee adeegyada uu daboolo Medicare (ilaa $7,165 sanadka 2025)
Qadarka lacag-celinta waxa laga yaabaa inay isbedesho sannadba sannad.
Haddii aad xaq u leedahay Kaalmada Kharashka Daryeelka Caafimaadka, waxaad heleysaa Kaarka Dukaameysiga ee Dheefta (kiridhit kaarka Mastercard) si aad isaga bixiso kharashyadaada caafimaadka jeebka laga bixiyo ee ceymiska leh. Kaarku waxa uu ka imanayaa Ameriflex (Maamulaha Kaarka Dukaameysiga ee Dheefta). Si aad u hesho macluumaad dheeraad ah oo ku saabsan Kaarka Dukaameysiga ee Dheefta iyo sida loo isticmaalo, guji halkan.
Waxyaabaha Muhiimka ah ee ay Tahay in la Ogaado
- Waxaan si adag kuugula talinaynaa inaad codsato caymiska Medicare inta lagu jiro Muddada Isdiiwaangelinta ee Hore. Haddi aanad samayn sidaas, ganaaxa waxa qiimayn kara Soshal Sekuritiga.
- Haddii aad heleyso dheefaha Caawimada Kharashka Daryeelka Caafimaadka ee qorshaha ceymis ee la ansixiyay ee Goob-suuqeedka (healthcare.gov), xaqiiji inaad iska diiwaangeliso Medicare sida ugu dhakhsaha badan. Ka dibna buuxi Warqadaha Carewell ee Medicare si aad u codsato dheefaha Kaalmada Kharashka Daryeelka Caafimaadka.
- Haddii aad ka weyn tahay 65 (ama 65 jir 3 bilood ee soo socda) oo aanad hore uga helin jeeg bille ah Lambarka Bulshada, waxaad u baahan tahay inaad iska diiwaangeliso si aad u hesho Medicare Qaybta A (Caymiska Cisbitaalka) iyo Qaybta B (Caymiska Caafimaadka). Waxaad iska diiwaan gelin kartaa onlaynka ah gov/benefits/medicare/ama kac Maamulka Soshal Sekuritiga lanbarka 1-800-772-1213.
- Inta lagu jiro Muddada Diiwaangelinta ee Hore, iyo inta lagu jiro Open Enrollment (Muddada Diiwaangelinta Sannadlaha ah) ee Medicare (sannad kasta laga bilaabo Oktoobar 15 ilaa Diseembar 7), waxaad iska qori kartaa Part D, Supplement, ama qorshaha Advantage ee aad doorato. Shuraakadeena ee jooga Valley Insurance Professionals ayaa kaa caawin kara inaad isdiiwaangeliso caymiska dheeraadka ah ee Medicare. Ka wac iyaga 503-480-0499, adigoo gujinaaya tirada 7 si aad u sahamiso fursadahaaga.
- Haddii aad ka yar tahay 65 oo aad xaq u leedahay Sooshiyaal Sekiyuuritiga naafo darteed, waxa kale oo aad xaq u yeelan kartaa Medicare. Maamulka Soshal Sekuritigu waa inuu ku ogeysiiyaa marxalada u-qalmitaankaaga iyo talaabooyinkaaga xiga.
- Ka xusuusin ahaan, SEIU 503 Caawinta Kharashka Daryeelka Caafimaadka aysan ahayn mid ay kafaala-qaadaan loo-shaqeeyaha ama caymiska caafimaadka kooxda. Haddii aad si khaldan ugu warbixiso Maamulka Soshal Sekuritiga in aad leedahay caynsanaan kooxeed marka aad isdiiwaangelineyso, diiwaangelintaada Medicare dib ayaa loo dhigi karaa, oo ganaax ayeeyna kuu qiimayn karta Soshal Sekuritiga.
- Si aad u hesho caawimo dheeraad ah, ka eeg ilaha Gargaarka Dheefta Caymiska Caafimaadka ee Waayeelka (SHIBA) barta shiba.oregon.gov.
- Haddii aad u isticmaalaysay Kaarka Dukaameysiga ee Dheefta si aad u bixiso khidmadaha qorshaha Goob-Suuqeedka, hal farqi weyn oo u dhexeeya markaad aado Medicare waa inaadan u isticmaali karin Kaarka Dukaameysiga ee Dheefta khidmadaha Medicare. Taa beddelkeeda waxaad u baahan tahay inaad codsato in laguu soo celiyo khidmadaha Medicare. Macluumaad dheeraad ah ayaa laga heli karaa qaybta Lacag celinta ee hoose.
- Haddii aad hadda heleyso Kaalmada Kharashka Daryeelka Caafimaadka ee qorshaha Goob-suuqeedka la ansixiyay ka dibna aad iska diiwaangeliso Medicare, uma baahnid inaad dhammaystirto Warqadda Sannadlaha ah inta lagu jiro Open Enrollment (Muddada Diiwaangelinta Sanadlaha ah ee Ceymiska Caafimaadka) ama aad buuxiso foomka Codsiga Kaalmada Kharashka Daryeelka Caafimaadka ee sannadlaha ah mar dambe. Warqaddaha Medicare ee Carwell ayaa beddelayaan foomamkan.
Waxa kale oo aad ku soo biiri kartaa dhacdooyinkayaga onlaynka ah adigoo u soo maraaya Zoom si ay kaaga caawiyaan inaad wax badan ka barato oo aadna ugu hesho jawaabo su’aalaha ku saabsaan dheefahaaga Medicare iyo Carewell!
Learn & Connect (Baro & Ku Xidho): Medicare iyo Kaalmada Kharashka Daryeelka Caafimaadka 101 – Jimcaha ugu horeeya ee bil walbo. (Munaasabadan waxa lagu bixiyaa Ingiriisi wakhti xaadirkan.)
Inta lagu jiro siminaaradan tooska ah ee interneetka ka dhacaaya, kooxda Dheefaha Carewell iyo la-hawlgalayaashayada dhinaca caymiska, Xirfadlayaasha Caymiska ee Valley (Valley Insurance), waxay dib u eegaan aasaaska Medicare, oo ay ku jiraan sida iyo goorta la iska diiwaangelinaayo. Waxaan sidoo kale sharaxnaa sida ka qaybgalayaasha Medicare ee u qalma ay u isticmaali karaan dheefta Kaalmada Kharashka Daryeelka Caafimaadka si ay uga caawiso bixinta khidmadaha ceymis ee bilaha ah iyo qaar ka mid ah kharashyada uu qofku jeebkiisa ka bixiyo ee la daboolay.
Guji halkan wixii macluumaad dheeraad ah.
Eeg Xaq u Yelashada
Macluumaadkan waxaa loogu talagalay dadka qaata Medicare: Dadka waayeelka ah ee 65 jirka ah iyo sidoo kale dadka waaweyn ee ka yar 65 ee naafada ah. Maamulka Lambarka Bulshada ayaa go’aamiya u-qalmitaankaaga dheefaha Medicare.
Si aad u aragto haddii aad u qalanto Kaalmada Kharashka Daryeelka Caafimaadka, fadlan buuxi su’aalahan u-qalmitaanka.
Diiwaangelinta
Talaabooyinka diwaangelinta
Si aad iskuugu diiwaangeliso Kaalmada Kharashka Daryeelka Caafimaadka Medicare ee Carewell, waxaad u baahan tahay:
Buuxi waraaqaha Medicare ee Carwell ee loo baahan yahay
Buuxi warqadahaan marka
- ugu koowaad ee aad u wareegto caymiska Medicare si aad u ogaato haddii aad xaq u leedahay dheefaha Kaalmada Kharashka Daryeelka Caafimaadka, ama
- aad baddelatay qorshayaasha caymiska ee Medicare.
Haddii aad rabto inaad caawin ka hesho Valley Insurance Professionals, oo lagaa caawiyo qorshahaaga caymiska ee Medicare Supplement ama Advantage,ku buuxi warqadahaan onleen ahaan. Foomamkani waxay siinayaan Valley Insurance Professionals ogolaansho sharci ah si ay kaaga caawiyaan cilmi-baaris ku samaynta, diiwaangelinta iyo ilaalinta caymiskaaga Qorshahaaga caymiska ee Medicare Supplement, Advantage, ama Part D.
Markaad Joogto Bogga Mahadcelinta ee warqadaha, hubso inaad u gudbiso Foomka Sheegashada Magdhawga Khidmada Caymiska Bil’laha ah ee Medicare Carewell SEIU 503 isaga oo ay la socdaan caddaynta khidmadaada caymiska bil’laha ah ee Part B, iyo caddaynta khidmadahaaga caymiska bil’laha ah ee caymiskayada Part D, Supplement, ama Advantage, haddii ay jiraan.
Xaqiijinta Diiwaangelinta
Waxaad ogaaneysaa inaad ka qoran tahay Kaalmada Kharashka Daryeelka Caafimaadka ee caymiskaaga Medicare marka:
- Aad ku hesho jeeg boostada ama lacag wareejinta elektrooniga ah oo ku dhacda akoonkaaga bangiga kuwaas oo ah khidmadahaaga caymiska bil’laha ah oo aad ka hesho Carewell SEIU 503.
- Aad ku hesho Kaarka Dukaameysiga ee Dheefta boostada si aad isaga bixiso kharashyadaada caafimaadka ee aad jaabka ka bixiso.
Haddii aadan helin lacag-celintaada khidmadaha caymiska ee Medicare 15-ka bisha, fadlan ka wac Carewell SEIU 503 lambarka 1-844-503-7348.
Fadlan xor u noqo inaad naga soo wacdo si aad u xaqiijiso u-qalmitaankaaga Kaalmada Kharashka Daryeelka Caafimaadka lambarka 1-844-503-7348.
Magdhawyo
Tallaabooyinka lagu helo Magdhawga
Si laguugu magdhawo khidmada caymiska bil’laha ah iyo kharashyada Medicare, waxaad u baahan tahay:
Soo gudbi Foomka Sheegashada Magdhawga
Carewell SEIU 503 ayaa kuu magdhawi karta khidmadaada caymiska bil’laha ah iyo kharashyadaada Medicare ee 12 bilood ee la soo dhaafay, haddii aad xaq u lahayd dheefaha Kaalmada Kharashka Daryeelka Caafimaadka wakhtigaas. Haddii aadan helin lacag-celintaada khidmadaha caymiska ee Medicare 15-ka bisha, fadlan ka wac Carewell SEIU 503 lambarka 1-844-503-7348.
Buuxi foomamkan magdhawga sanad walbo si laguugu magdhawo.
Wixii ah magdhawyada khidmada caymiska bil’laha ah ee Medicare isticmaal:
U soo gudbi foomka dalabka lacag celinta Carewell SEIU 503 oo wata caddaynta khidmadaada caymiska bil’laha ah ee Qaybta B iyo caddaynta khidmadahaaga caymiska Qaybta D, Supplement, ama Advantage, haddii ay jiraan.
Caddaynta Qaybta B, isticmaal warqadaada Sooshiyaal Sekiyuuritiga ee sannadlaha ah ama Biilka Khidmada Caymiska Bil’laha ah ee Medicare ee CMS. Caddaynta ugu badan ee khidmada caymiska bil’laha ah ee Qaybta D, Advantage, ama Supplement waa qaansheegta tusinaysa qaddarka caymiska ee qorshahaas.
Wixii ah magdhawyada kharashyada medicare ee uu qofka jaabkiisa ka bixiyo isticmaal:
Haddii aad ku bixisay wax ah kharashyada jeebka laga bixiyo ee xaqa leh lacagahaaga, waxaad u baahan tahay inaad gudbiso foomkan sheegashada.
Soo raaci rasiidhada muujinaya kharashyadaada caafimaadka ee aad jaabka ka bixiso ee adeegyada ay dabarto Medicare iyo Dukumiintigaaga Sharaxaadaha Dheefaha (EOB), ilaa 12-ki sano ee la soo dhaafay.
Furo Lacag Wareejinta Elektrooniga ah
Haddii aad jeclaan lahayd inaad ku hesho magdhawyadaada si degdeg ah oo badqab badan, isku diiwaangeli lacag wareejinta elektrooniga ah. Buuxi foomkan Lacag Wareejinta Elektrooniga ah ee ammaanka ah oo wata sawirka jeeg maran oo erayga ”void” ku qoran tahay.
Faahfaahinta Dheefaha
Isticmaal Dheeftan
Adigoo Isticmaalaya kaarkaaga
U isticmaal kaadhkaaga waxtarka kharashyada jeebka ka baxsan ee ay daboolayso Medicare Qaybta B, Qaybta D, Qorshyaasha Supplement iyo Advantage, sida lacagaha lagaa jarayo, lacag-wadaaga, gunnada, iyo warqadaha daawada. Waxaa laga yaabaa in lagu weydiiyo inaad muujiso caddaynta kharashyadaada, markaa hayso Sharaxaada Faa’iidooyinka iyo dhammaan rasiidhada.
Uma isticmaali kartid Kaarka Dukaameysiga ee Dheefta:
- Khidmadaha caymiska bil’laha ah ee Medicare (hoos ka eeg macluumaadka habka lacag-celinta ee khidmadaha caymiska bil’laha ah ee Medicare);
- Daryeelka ilkaha, daryeelka aragga iyo adeegyada maqalka;
- Kharashyada jeebka laga bixiyo ee adeegyada ilkaha, araga, iyo/ama maqalka;
- Kharashyada caafimaadka ee ay helaan xaaskaaga/seeygaaga ama kuwa kugu tiirsan;
- Lacag kala bixitaanka ATM-yada ama in lagu soo celiyo lacag yar markaad wax iibsaneyso;
- Kharashyada alaabta ama adeegyada aanu qorshahaaga caymiskaaga caafimaadku daboolin;
- Kharashyada khidmada caymiska ee qof kasta oo aan ahayn shirkadaada caymiska caafimaad ee hadda;
- Kharashyada aad gashay inta aanad u qalmin dheefaha Kaalmada Kharashka Daryeelka Caafimaadka;
- Kharashyada caafimaadka ee la dabaray laga bilaabo sanadkii hore; wixii ah kharashyadan soo gudbi codsi lacag celin ah adigoo ku buuxinaya Foomka Codsiga Lacag Celinta ee Ameriflex onlayn ahaan.
Ballan qabso
Fadlan ka hubi bixiyaha xanaanada caafimaadkaaga ka hor inta aanad ballan samayn si aad u hubiso in bixiyahaaga uu ku jiro Medicare iyo adeegyada ayaa lagu daboolaa sida hoos imaata caymiskaaga Medicare.
Xafidi Dheeftaada
Si loo hubiyo inaad sii wadato helista faa’iidooyinka Caawimada Kharashka Daryeelka, fadlan xasuusnoow:
- Inaad soo gudbiso warqadahaaga saacadaha la shaqeeyay iyo/ama foojarada mushhaharka dhamaadka wakhti kasta oo lacag bixin;
- Inaad iska ilaaliso inaad soo diiwaangeliso 0 saacadood oo ah saacadaha shaqada ee xaqa leh — oo sidoo kale loo yaqaano saacadaha kooxda gorgortanka — 2 bilood oo isku xigta. Inaad 2 bilood soo gudbiso saacado shaqo oo 0 ah waxay keeni kartaa inaad lumiso u-qalmitaankaaga faa’iidooyinka Carewell SEIU 503, oo ay ku jirto Kaalmada Kharashka Daryeelka Caafimaadka;
- Inay ahaato tii ugu danbeeyay xogtaada khaaska ee ay hayaan Carewell SEIU 503 iyo loo-shaqeeyahaaga (gobolka, degmada, ama dallaalayda);
- Inaad ku siiso khidmadahaaga caymiska shirkada caymiska waqtigii loogu talagalay, ama shirkadaada caymiska ayaa joojin karta qorshahaaga caymsika;
- Inaad hubiso oo aad ka jawaabto boostada kaaga imaanaysa Carewell SEIU 503, shirkada caymiskaaga, Ameriflex, iyo Maamulka Sooshiyaal Sekiyuuritiga;
- Inaad la socoto xaraynta cashuurtaada.
Dib u cusbeysiin
Si aad u sii waddo helista Kaalmada Kharashka Daryeelka Caafimaadka ee caymiskaaga Medicare, fadlan xasuuso inaad:
- U buuxiso Foomka Sheegashada Magdhawga Khidmada Caymiska Bil’laha ah ee Medicare oo cusub khidmadaada caymiska bil’laha ah ee Qaybta B haddii khidmadaada caymiska bil’laha ah ay isbaddesho — oo ay la socoto caddaynta qaddarka khidmadaada caymiska bil’laha ah ee cusub.
- Buuxiso Foomka Sheegashada Magdhawga Khidmada Caymiska Bil’laha ah ee Medicare oo cusub sanad walbo haddii aad leedahay qorshaha caymiska Qaybta D, Supplemental, iyo/ama Advantage oo ay la socoto caddaynta qaddarka khidmadaada caymiska bil’laha ah ee cusub.
- Soo gudbi Waraaqaha Medicare ee Carewell mar labaad haddii aad caawin uga baahan tahay Valley Insurance Professionals (VIP) si aad wax ugu darto ama uga baddesho caymiska qorshaha Supplement, Advantage ama Part D.
Maamulka Sooshiyaal Sekiyuuritiga waxy guud ahaan ku dhawaaqeen khidmadaha Qaybta B oo cusub Nofeembar. Haddii aad leedahay Advantage, Qaybta D, or Supplement, waa inaad hesho biilkaaga cusub Diseembar. Fadlan buuxi tillaabooyinka kore isla marka aad ogaato khidmadaha cusub.
Luminta Xaq Yeelashada
Inaad lumiso dheefaha Carewell SEIU 503 kama dhigno inaad luminayso ceymiskaaga caafimaadka! Balse dhamaadka bishaada muddo kordhinta, Kaarkaaga Dukaameysiga ee Dheefta (BCC) ayaa la xirayaa mana heli doontid lacag celinta bil’laha ah ee qorshayaasha caymiska Part B iyo/ama Part D, Supplement, ama Advantage.
Ha tuurin kaarkaaga BCC! Haddii aad xaq u yeelato Kaalmada Kharashka Daryeelka Caafimaadka mar labaad, waxaad awoodi doontaa inaad mar kale isticmaasho kaarkaaga.
Waxa Ay Tahay in La Sameeyo Markaad Dib U Kasbanayso Xaq U Yeelashada Hay'adda ee Dheefaha Kadib Markaad Lumiso
Markaad dib u hesho xaq u yeelashada dheefaha, waxaa kuu bilaabaneysa inaad hesho magdhawga khidmadaha bil’laha ah waxaadna awoodeysaa inaad u isticmaasho kaarka BCC kharashyada aad jaabkaaga ka bixiso. Marka aad ku jirto Medicare, waa inaad bilowdo inaad hesho magdhawga khidmadahaaga caymiska bil’laha ah oo dhan isla cadadki aad horay u heli jirtay.
Haddii aad kaydsatay kaarkaaga BCC, waxaad wali awood u lahaan doontaa inaad isticmaasho, marka laga reebo in la dhaafay taariikhda dhicitaanka ee korka kaga qoran.
Haddii aadan haysanin kaarka BCC oo ansax ah, ka wac Carewell SEIU 503 lambarka 1-844-503-7348 si aad u dalbato kaar cusub.
Haddii aad jirto 65 ama wax ka weyn oo aanad u qalmin inaad iska diwaangeliso Medicare, waxa laga yaabaa inaad u qalanto inaad iska diiwaan geliso qorshe caymis caafimaadka oo laga heli karo Goob-suuqeedka. Wixii su’aalo ah ee ku saabsan u qalmitaankaada, nagala soo xiriir lambarka 1-844-503-7348.
Macluumaadka Meesha Lagala Xidhiidho
Valley Insurance Professionals
1-503-480-0499 (ballaarinta 7)
Sababaha loola xidhiidho Valley Insurance Professionals:
- Haddii aad u wareegayso caymiska Medicare: xilliga isdiiwaangelintaada bilowga ah waxay bilaabmaysaa saddex bilood ka hor dhalashadaada 65-aad, ama taariikhda dhaqangalka ee Qaybta B ee naafanimadaada, kadibna waxay sii socon doontaa saddex bilood — a soo wac wakhti kasta muddadan lixda bilood si aad nagala hadasho doorashooyinkaaga qorshaha Medicare!
- Haddii aad rabto inaad iska diiwaangeliso Qaybta D, Qorshaha Supplement ama Advantage , guud ahaan iska qori kartaa qorshayaashaas muddada diiwaangelintaada hore ama inta u dhaxaysa Oktoobar 15 iyo Diseembar 7.
Xafiiska Amniga Bulshada
La xidhiidh Xafiiska Sooshiyaal Sekiyuuritiga si aad iskuugu diiwaangeliso Medicare Qaybta A iyo B. La xidhiidh Xafiiska Sooshiyaal Sekiyuuritiga isla marka ay bilaabato wakhtiga isdiiwaangelintaada hore, saddex bilood ka hor dhalashadaada 65-aad.
Ku codso onleen ahaan: www.ssa.gov/benefits/medicare
Ku codso wicitaanka taleefonka: 1-800-772-1213 laga bilaabo 7 subaxnimo ilaa 7 galabnimo, Isniin – Jimco. Haddii aad tahay dhagool ama maqal kugu adag, waxaad wici kartaa TTY 1-800-325-0778.
Ameriflex
1-888-868-3539
Markaad soo wacayso, fadlan isu sheeg inaad tahay shaqaalaha daryeelka guriga iyo taageerada shaqsiyeed ee helaya dheefaha Carewell SEIU 503, oo sidoo kale hayso Kaarkaaga Dukaameysiga ee Dheefta.
Bogga onlaynka ah ee Ameriflex
Halkan riix si aad waxbadan uga ogaato ablikeeshinka mobeelka ee Ameriflex
Sababaha loola xiriiri karo Ameriflex:
- Si aad u hubiso hadhaaga kaadhkaaga Faa’iidada, dib u eeg taariikhda lacag bixinta, dalbo kaadhka beddelka, iwm.
- Haddii Kaarkaaga Dukaameysiga ee Dheefta la diiday oo aanad awoodin inaad lacag bixiso
SHIBA (Barnaamijka Caawinta Caymiska Caafimaadka ee Waayeelka)
1-800-722-4134 (wicitaanka bilaashka ah)
Waybsaydhka SHIBA ee bogga Oregon.gov
Kala xiriir SHIBA wixii talo ah ee ku saabsan:
- Sida la iskuugu diiwaangeliyo Medicare
- Sida loo buuxiyo waqtiyada kama dambaysta ah loogana fogaado ganaaxyada
- Xuquuqda iyo ilaalinta
- Daboolista iyo ka saarida
- Xeerarka lagu helo manfacyada
- Kharashyada la xidhiidha Medicare
Ogoow: La-taliyayaasha SHIBA waxay u badan tahay inaysan ka warqabin dheefaha Carewell SEIU 503 umana qalmaan inay ka jawaabaan su’aalaha ku saabsan iyaga.
Su’aalaha Inta Badan Laisweeydiiyo
Akhri su’aalaha caadiga ah ee ku saabsan Kaalmada Kharashka Daryeelka Caafimaadka ee caymiska Medicare. Ka arag Su’aalaha Badanaa La Isweydiiyo wixii macluumaad dheeraad ah.
Waxaad sidoo kale dhigaalo dheerad oo ku saabsan Medicare ka heli kartaa boggeena intarnetka ee seiu503training.org.
Macluumaadka dadka u gudbaya Medicare
Haddii aad hadda ku jirto qorshaha caymiska Goobta-Suuqeedka, waxaad u baahan doontaa inaad qaado tillaabooyin aad ku joojinayso qorshahaaga goobta Suuqa maalin ka hor inta uusan qorshahaaga Medicare bilaabin. Wakiilada jooga Valley Insurance Professionals ayaa laga yaabaa inay ka caawiyaan taas – wac 1-844-503-7348 si aad u hesho kaalmo. Sidoo kale, haddii aad hore u haysatay Kaarka Dukaameysiga ee Dheefta, fadlan yuusan kaa fakanin. Waxaad sii wadi kartaa inaad u isticmaasho lacagta lagaa jaro, khidmadaha adegga ceymiska, kharashyada lacagaha haraaga lacag jarista kadib, iyo daawoyinka dhakhtarku qoro ee Medicare inta aad u sii qalanto Kaalmada Kharashka Daryeelka Caafimaadka. Sikastaba ha ahaatee, uma isticmaali kartid Kaarkaaga Dukaameysiga ee Dheefta khidmadahaaga Medicare.
Immisa lacag ah ayaa ku jirta Kaarkayga Dukaameysiga ee Dheefta?
Kaarka Dukaameysiga ee Dheefta waxa hore loogu sii shubay lacagta sannadlaha ah ee lagu bixinayo khidmadaha adegga ceymiska ee caafimaadka iyo daawooyinka dhakhtarku qoro, lacgaha la jaro, iyo kharashyada lacagaha haraaga lacag jarista kadib ee adeegyada caymiska leh iyo dawooyinka dhakhtarku qoray. Sanadka 2025, lacagtaasi waa $7,165, laakiin tani way isbedeli kartaa sanadba sanadka ka dambeeya.
Miyuu Hadhaagayga haray u wareegayaa qaddarka lacagta sanadka soo socda?
Maya. Qadarka ugu badan ee laguu soo celin karo kharashyada la daboolay ee galay sanad kasta waa qadar go’an ee sanadkaas. Qayb kasta oo aan la isticmaalin sanadkan looma wareejin karo in lagu bixiyo kharashaadka la galay sanadka soo socda.