Medicare ma joogi doonaa markaad u baahato?
Medicare waxay ku jiri kartaa dhibaato. Sida laga soo xigtay warbixinnada 2016, Sanduuqa Hey'adda Medicare-ka ayaa ku dari doona lacag ka badan 2028, laba sano ka hor intaan la saadaalin Karin 2015. Miyay tan taa ka tagaysaa Maraykanka oo aan daryeel caafimaad aheyn?
Sida Loo-shaqeeyaha Lacagta Caymiska Medicare u shaqeeyo
Sanduuqa Caymiska Caafimaadka ee Medicare waxay taageertaa Medicare Qeybta A. Qaybta Medicare waxay bixisaa daryeelka bukaan-jiifka isbitaalka iyo sidoo kale isbitaal.
Dadka laga saaro isbitaalka, waxay sidoo kale ka hadleysaa muddada gaaban ee xarumaha kalkaalinta xirfadlayaasha ah ama, beddelka dadka kale ee doorta inaysan tagin xarun, adeega daryeelka caafimaadka guriga.
Inta badan dadka Maraykanku ma bixiyaan qiimaha bil kasta ee Qaybta A, inkastoo ay bixin doonaan jar-jaryada, caymiska, iyo lacag-bixinta adeegyada la bixiyo. Qaddar-xilliyeedyada waa bilaash dadka ay ku biireen 40 rubuc (10 sano) ama ka badan Medicare mushaar bixinta inta ay noolyihiin. Waxay hore u siiyeen nidaamka cadaalad-darrida nidaamka, shaqadooda adagna waxay kasbataa caymiska bilaashka ah ee xaaska .
Dadka ka shaqeynayey in ka yar 40 rubuc, dhinaca kale, ayaa lagu soo dallacayaa qiimo bille ah, isla markaana dhaqaalahana si dhakhso ah ayey u kordhayaan. Lacagta Qaybta A ee loogu talagalay dadka ka shaqeeyay inta u dhaxaysa 30 iyo 39 waa bishii $ 226 bishii ($ 3,192 sannadkii) sannadka 2016. Kuwa ka shaqeeya in ka yar 30 meelood, kharashka wuxuu kor u kacay $ 411 bishii ($ 4,932 sannadkii).
Lacagta lagu soo ururiyey canshuuraha iyo qiimaha bilaashka ah ayaa ka dhigaya Santuukha Medicare Trust. Dumarkan waxaa laga yaabaa inaanay ku filneyn inay buuxiyaan shuruudaha dadka sii kordhaya ee Medicare by 2029.
Saameyntii Boomerayaasha Caruurta ah
Xafiiska Tirakoobka Tansaaniya wuxuu soo wariyay 72.5 milyan dhalashada intii u dhexeysay 1946 iyo 1964, oo ah wax loogu yeero carruurta.
Dabcan, tirada boomerada ilmaha ayaa had iyo jeer noqon doona mid horumar ah. Tixgeli xaqiiqda ah in dhammaan boomerayaasha canugoodu ku noolaan doonaan 65 sano jir iyo in "dadka" ee cusub ee kooxdan da 'kooxdani ay soo gali doonaan waddanka iyadoo loo marayo socdaalka. Iyadoo dhammaan arrimaha la tixgelinayo, waxaa lagu qiyaasay in 8,000 ilaa 10,000 oo Maraykan ah ay da'doodu tahay 65 jir maalin kasta waxayna samayn doontaa ilaa 2029. Sanadka 2029, waxaa la filayaa in boqolkiiba 20 dadka Maraykanku ay xaq u yeelan doonaan Medicare.
Kumanaan qof oo kaliya ma ahan inay gaaraan da'da Medicare maalin kasta, hase yeeshee rajada noloshu waxay sidoo kale kor u kacaysaa. Maamulka Sooshiyaal Sikiyuuriti wuxuu xusayaa mudada noolaanshaha 84.3 iyo 86.6 sano ragga iyo dumarka, siday u kala horreeyaan. Maadaama ay dadku ku nool yihiin waqti dheer, waxay u badan tahay inay ku dhacaan dhibaatooyin caafimaad. In ka badan saddex meelood meel dadka da'doodu u dhaxayso 65 iyo 84 sano waxay leeyihiin ugu yaraan laba ilaa saddex xaaladood oo caafimaad oo joogto ah. In ka badan rubuc iyaga ah waxay yeelan doonaan afar ilaa shan.
Dad badan oo waqti dheer ku nool waxay ka dhigan tahay dhibaatooyin caafimaad iyo kharash badan. Sanduuqa Hay'adda Medicare ma awoodi doonaan inuu sii wado?
Kharashka Xaaladaha Caafimaad ee Dabiiciga ah
Maaddaama tirada xaaladaha caafimaad ee soo noqnoqonaya, Xarumaha Adeegyada Medicare iyo Adeegyada Medicaid (CMS) waxay ka warbixiyaan isticmaalka khayraadka caafimaadka, oo ay ku jiraan booqashada qolka deg-degga ah, booqashooyinka xafiiska dhakhtarka, booqashooyinka caafimaadka guriga, isbitaalka jiifka, dib u-cusbooneysiinta cusbitaalka iyo dib-u-dhac degdeg ah adeegyada daryeelka sida dayactirka iyo daweynta jirka .
Celcelis ahaan, Medicare Qaybta A waxay ku bixisaa qiyaastii $ 13,000 qof kasta laakiin kharashka ayaa laga yaabaa inuu ka sii weyn yahay ka-faa'iideystayaasha. Ka-faa'iideystayaasha Medicare ayaa laga yaabaa inay bixiyaan ugu badnaan $ 5,700 oo ka baxsan jeebka sanad walba haddii ay leeyihiin laba ilaa saddex shuruudood. Lambarkan ayaa ka badan labanlaab ilaa $ 12,000 afar illaa shan xaaladood waxana uu kor u kacay ilaa $ 32,000 lix ama wax ka badan.
Isku soo wada duub, arimahani waxay hoos u dhigi doonaan Sanduuqa Nabadgalyada Caafimaadka (Medicare Trust Fund) qiimo aan ku habboonayn dakhliga soo gala. Haddii ay Medicare ka baxdo lacag, sidee ayay muwaadiniinta waayeelku u awoodi karaan inay bixiyaan daryeel caafimaad markay horey u soo gudbinayaan biil aad u culus?
Soo jeedinta ah in lagu keydiyo Medicare
Haddii Medicare uu sii wado daryeelka dadka waayeelka ah ee waayeelka ah mudada dheer, wax waa inuu isbedelaa.
Fikradaha ku saabsan sida loo fuliyo tan waxay ahayd mid muran ah oo ay ku jiraan waxyaalahan soo socda:
- Yaree inta daawo ee Medicare bixiso dhakhaatiirta iyo isbitaallada. Helitaanka xannaano caafimaad ayaa ah dareenka ugu weyn ee soo jeedintaas. Miyuu dhakhtarrada yaryahay u aqbalaan Medicare lacag bixinta haddii ay u maleeyeen in aan si cadaalad ah lasiin? Maaddaama ay jirto, waxaa jira horeyba dhakhtar soo socda oo yaraaday sababtoo ah maalgalin Medicare oo kooban oo lagu taageerayo tababarka dhakhtarka.
- Waxtarrada Medicare hoos u dhigta. Qofna ma doonayo in uu bixiyo isla lacagtaas. Maaddaama ay jiraan, dad badan ayaa ku doodaya in Medicare uusan daboolin ku filan . Tusaale ahaan, Medicare kuma daboolin qiimaha muraayadaha wax lagu hagaajiyo , ilkaha, ama qalabka maqalka xitaa haddii waxyaabaha ugu badan ee dhaca inta aanu da'da isbeddel ku ahayn aragga, caafimaadka ilkaha, iyo maqalka. Tani waxay ka baxaysaa dad badan oo Maraykan ah iyada oo aan la siin adeegyada caafimaad ee asaasiga ah ee ay u baahan yihiin
- Kordhinta da'da Medicare u-qalmitaanka. Jamhuuriyaadka sida Senator Paul Ryan ayaa soo jeediyay in ay sii kordhiyaan da'da Medicare ilaa 67 sano. Inkasta oo tani ay yarayn doonto tirada dadka u qalma Medicare sannad kasta, waxay taasi culeys ku saari kartaa dadka waayeelka ah si ay u bixiyaan qorshooyin caymis oo khaas ah oo qaali ah. Tani waxay saameyn kartaa ma aha oo keliya kaydka shakhsi ahaaneed laakiin marka waayeelku awoodi kari waayaan inay howlgabaan.
- Kordhin kharashyada ka baxsan ee ka-faa'iideystayaasha. Kordhinta kharashyada Medicare-ka, jar-jaryada, caymiska, ama lacag-bixinta ayaa gacan ka geysan karta sii-haynta maal-galinta Medicare Trust Fund-dollar laakiin dadka waayeelka ah ayaa awoodi kara? Qaar badan oo ka mid ah waayeelka ayaa ku jira dakhliga joogtada ah iyada oo ay jirto iyo kharashyada daryeelka caafimaadku si aan caadi ahayn u kaca.
- Kordhinta canshuurta mushaar bixinta Medicare. Canshuur dheeraad ah? Tani waa waxa uu madaxweyne Ronald Reagan ku sameeyey Sharciga Caymiska Medicare ee 1988-dii . Sharciga ayaa looga danleeyahay in uu ku daro lacagta daawada rijeetada iyo in laga hortago waayeelka kharashka caafimaadka dabeecada ka dib isbitaalada, laakiin sharciga waa la eryey sanad gudaheed sababtoo ah la'aanta taageerada dadwaynaha iyo rabshado ku saabsan khidmadaha canshuurta ee la xiriira. Miyay dadka Maraykanku doonayaan inay si kala duwan u dareemaan canshuurta maanta?
Dhibaatada badan oo ka mid ah soo jeedintaan waa in ay badalaan kharashyada badan ee waayeelka kuwaas oo horay ugu noolaa dakhliga go'an. Maaddaama ay tahay, macaashka Lambarka Bulshada waxay ahaayeen kuwo isku xiga. Iyadoo aan la kordhin Kharashka Lacagta Lacagta Lahaanshaha (COLA) dhowrkii sano ee la soo dhaafay, waayeelka ayaa horeyba loogu qasbay in ay fidin karaan dollarkooda.
Shaacinta CMS in Sanduuqa Amaanka Medicare uu noqon karo mid ficil ah muddo tobanaan sano ah waa astaanta digniinta. Waayeelka Maraykanka ayaa halis ugu jira inay lumiso helitaanka daryeelka caafimaadka marka ay jilicsan yihiin ayna u baahan yihiin inta badan. Hadda waxaan aragnay dhibaatada si dhakhsa ah u soo dhowaatay, sideen u waafaqsanahay? Hase ahaatee, sidee baan u xalin karnaa? Jawaabtu waa inay noqoto dood, laakiin hal shay waa cad yahay: Dib-u-habaynta daryeelka caafimaadku waxay u baahan tahay mudnaan qaran oo hadda.
> Ilo:
> Guddiyada Hanti-dhowreyaasha ee Isbitaalka Federaalka ee Federaalka iyo Kaydka Caymiska Caymiska Caafimaadka ee Dheeraadka ah. Warbixinta Sanadka 2016 . https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/ReportsTrustFunds/Downloads/TR2016.pdf. La daabacay Juun 22, 2016.
> Xisaabiyeyaasha: Rajada Nolosha. Shabakada Maamulka Daryeelka Bulshada. https://www.ssa.gov/planners/lifeexpectancy.html.
> Xaaladaha Dabiiciga ah ee ka faa'iideystayaasha Medicare, Chartbook: 2012 Edition. Xarumaha bogga Adeegyada Medicare iyo Medicaid. https://www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/chronic-conditions/downloads/2012chartbook.pdf.
> Colby SL, Ortman JM. Waddanka Boomaha ee Boomaha ee Maraykanka: 2012 ilaa 2060 . May 2014; P25-1141. https://www.census.gov/prod/2014pubs/p25-1141.pdf.