Kaalmada Kharashka Daryeelka Caafimaadka

Medicare

Kaa caawinaya inaad awood u yeelato daryeelka aad u baahan tahay.

Dheefta oo Kooban

Shaqaalaha daryeelka guriga ee xaqa u leh iyo taageerada shakhsi ahaaneed ee haysta Medicare, faa’iidooyinka Caawimada Kharashka Daryeelka Caafimaadka ayaa ka caawin doona kharashyada:

  • Khidmadaha billaha ah ee Medicare Qeybta B (ilaa $174.70/bishii sanadka 2024)
  • Khidmadaha billaha ah ee Medicare Qaybta D, Qorshayaasha Dheeraadka ah ama qorshayaasha Advantage (ilaa $50/bishii sanadka 2024)
  • Kharashyada jeebka ka baxsan, sida kuwa laga jaro, lacag-wadaaga, ceymiska iyo warqadaha daawada ee adeegyada uu daboolo Medicare (ilaa $7,165 sanadka 2024)

Qadarka lacag-celinta waxa laga yaabaa inay isbedesho sannadba sannad.

Haddii aad xaq u leedahay Kaalmada Kharashka Daryeelka Caafimaadka, waxaad heli doontaa Kaarka Dukaameysiga ee Dheefta (kiridhit kaarka Mastercard) si aad isaga bixiso kharashyadaada caafimaadka jeebka laga bixiyo ee ceymiska leh. Kaarku waxa uu ka iman doonaa Ameriflex (Maamulaha Habboon ee Faa’iidooyinka). 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 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.
  • Xusuusnow in Kaalmada Kharashka Daryeelka Caafimaadka ee Carewell SEIU 503 aysans 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 doontaa inaad codsato in laguu soo celiyo khidmadaha Medicare. Macluumaad dheeraad ah ayaa laga heli karaa Lacag celinta tabka hoose.
  • Haddii aad hadda heleyso Kaalmada Kharashka Daryeelka Caafimaadka ee qorshaha Goob-suuqeedka la ansixiyay ka dibna aad iska diiwaan geliso Medicare, uma baahnid inaad dhammaystirto Warqadda Sannadlaha ah inta lagu jiro Muddada Diiwaangelinta Furan ama aad buuxiso foomka Codsiga Kaalmada Kharashka Daryeelka Caafimaadka ee sannadlaha ah mar dambe. Warqaddaha Medicare ee Carwell ayaa beddelayaan foomamkan.

Waxaan munaasabado waxbarasho oo onleen ah ku bixinaynaa Zoom si lagaaga caawiyo inaad wax badan ka ogaato dheefahaaga Carewell!

Medicare iyo Kaalmada Kharashka Daryeelka Caafimaadka 101 – Jimcaha ugu horeeya ee bil walbo. (Munaasabadan waxa lagu bixiyaa Ingiriis oo kaliya wakhti xaadirkan.)

Kooxda Dheefaha ee Carewell iyo hay’addaha caymiska ee nala-hawlgalo, Valley Insurance Professionals, ayaa eegi doona waxyabaaha aasaasiga u ah Medicare iyo sida ka qaybgalayaasha xaqa u leh Medicare ay u isticmaali karaan dheefta Kaalmada Kharashka Daryeelka Caafimaadka.  

Guji halkan si aad u hesho faahfaahin 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. 

Xog-uruurinta xaq u yeelashada Carewell oo saaran shaashada taleefonka gacanta

Diiwaangelinta

Talaabooyinka diwaangelinta

Si aad iskuugu diiwaangeliso Kaalmada Kharashka Daryeelka Caafimaadka Medicare ee Carewell, waxaad u baahan doontaa:

Buuxi waraaqaha Medicare ee Carwell ee loo baahan yahay

Waa inaad buuxiso foomkan halmar kaliya haddii aad isdiiwaangelinayso marki ugu koowaad ama haddii aad baddelatay qorshayaasha caymiska ee Medicare. Waa inaad buuxiso warqadahaan marka ugu koowaad ee aa aad u wareegto caymiska Medicare.

Buuxi warqadahaan marka ugu koowaad ee aad u wareegto caymiska Medicare si aad u ogaato haddii aad xaq u leedahay Kaalmada Kharashka Daryeelka Caafimaadka. Foomamkani waxay siinayaan kooxda Dheefaha Carewell SEIU 503 iyo la-hawlgalayaasheeda ogolaansho sharci ah si ay kaaga caawiyaan cilmi-baaris ku samaynta, diiwaangelinta iyo ilaalinta caymiskaaga Medicare (Medicare Supplement, Advantage ama Part D plan).

Hubso inaad ku sii socoto bogga mahadcelinta si aad ugu gudbiso foomka dalabka lacag celinta Carewell SEIU 503 isaga oo wata caddaynta khidmadaha Part B iyo caddaynta khidmadaha Part D, Supplemental, ama Advantage, haddii ay jiraan.

R

Xaqiijinta Diiwaangelinta

Waxaad ogaan doontaa 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.
  • Aad boostada ku hesho xirmo soo dhawayn ah oo ka socota Carewell SEIU 503 oo leh macluumaadka ku saabsan caymiskaaga, siyaasadaha asturnaanta, iyo Su’aalaha Inta Badan La Is Weydiiyo ee ku saabsan isticmaalka Kaarka Dukaameysiga ee Dheefta.

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 doontaa:

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 kubixisay wax ah kharashkyada jeebka laga bixiyo ee xaqa leh lacagahaaga, waxaad u baahan doontaa 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, Qorshayaasha Dheeraadka ah iyo Faa’iidada, 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.

Ma isticmaali kartid kaadhka waxtarka leh:

  • ee khidmadaha Medicare (hoos ka eeg macluumaadka habka lacag-celinta ee khidmadaha Medicare);
  • daryeelka ilkaha, daryeelka aragga iyo adeegyada maqalka;
  • kharashyada caafimaadka ee ay helaan xaaskaaga ama kuwa kugu tiirsan.
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 lagu dabooli doono 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:

Maamulka Sooshiyaal Sekiyuuritiga waxy guud ahaan ku dhawaaqeen khidmadaha Qaybta B oo cusub Nofeembar. Haddii aad leedahay Advantage, Qaybta D, ama 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 xiri doonaa waxaadna bilaabi doontaa inaad iskaa u bixiso khidmadahaaga caymiska ee bil’laha iyo kharashyada caafimaadka ee jaabka laga bixiyo.

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

Haddii 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 HCA ku heli jirtay Medicare sanadki la soo dhaafay (ma ahan sanadka lagu jiro) oo khidmadahaaga bil’laha ah ama macluumaad kasta oo kale uu isbaddelay, waxaad u baahan doontaa inaad buuxiso waraaqaha Medicare ee Carwell iyo Foomka Sheegashada Magdhawga Khidmada Caymiska Bil’laha ah ee Medicare. Marka dukumiintiyadaada laga shaqeeyo, waxaa kuu bilaaban doona inaad hesho magdhawga khidmadaha bil’laha ah waxaadna awoodi doontaa inaad u isticmaasho kaarka BCC kharashyada aad jaabkaaga ka bixiso.

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. Fadlan ogoow in Ameriflex, Maamulaha BCC, ay qaybisay kaarar cusub Luuliyo 2022. Haddii aad heshay kaarkaaga BCC ka hor taariikhdaas, ma sii shaqaynayo, iyada oo aan loo eegaynin taariikhda ay dhacayso.

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 aadan haysanin caymis caafimaad, ma awoodi doontid inaad isku diiwaangeliso qorshaha caymiska caafimaad ee ku jira Goob-suuqeedka Caymiska Daryeelka Caafimaadka ilaa iyo laga gaaro Open Enrollment (Muddada Diiwaangelinta Sanadlaha ah ee Ceymiska Caafimaadka), marka laga reebo inaad xaq u leedahay Muddada Diiwaangelinta Gaarka ah. Open Enrollment (Muddada Diiwaangelinta Sanadlaha ah ee Ceymiska Caafimaadka) waxay sida caadiga ah bilaabataa Noofeembar 1 ee caymiska sanadka soo socda. Ilaa iyo aad iska diiwaangeliso qorshaha caymis ee la oggolyahay ee Goob-Suuqeedka caymiska, ma awoodi doontid inaad hesho dheefaha Kaalmada Kharashka Daryeelka Caafimaadka.

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 Kaalmada ama Faa’iidada , 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 Oregon.gov site

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. Arag Su’aalaha Badanaa La Isweydiiyo wixii macluumaad dheeraad ah.

Waxaad sidookale 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 2024, 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.

Markaad sii wado isticmaalka websaydhkan, waxaad oggolaatay isticmaalka cookies-ka. Macluumaad dheeraad ah

Hagaajinta cookies-ka ee websaydhkan waxaa loogu talagalay inay "oggolaadaan cookies-ka" si ay kuu siiyaan waayo-aragnimada sahminta ee ugu macquulsan. Haddii aad sii wado inaad isticmaasho websaydhkan adiga oo aan baddelin hagaajinta cookie-gaaga ama haddii aad gujiso "Accept" ("Aqbal") ee hoose markaas waxaad oggolaatay midan. Si aad wax badan uga barato siyaasadeena cookie-ga iyo sida aan u maareyno macluumaadka gaarka ah ee laga yaabo inaad ku soo gudbiso websaydhkan, fadlan arag Qaanuunka Arrimaha Khaaska ah.

Xir