Kumvetsetsa Malamulo Oyenerera a Medicare Age

Zamkati

• Kodi zaka zoyenerera za Medicare ndi ziti?
• Kupatula pazoyenera pazaka za Medicare
• Zofunikira zina pakuyenerera kwa Medicare
• Phunzirani za magawo osiyanasiyana a Medicare
• Kutenga

Medicare ndi pulogalamu ya inshuwaransi ya boma yaboma kwa okalamba komanso anthu olumala. Ngati muli ndi zaka 65 kapena kupitilira apo, mukuyenera kulandira Medicare, koma sizitanthauza kuti mumalandira zokha.

Mukakumana ndi miyezo yazaka zingapo kapena zofunikira zina za Medicare, zili ndi inu kuti mulembe nawo pulogalamuyi.

Kulembetsa ku Medicare zitha kukhala zosokoneza. Zimafunikira kumvetsetsa zina mwazomwe zimakhalira pulogalamuyi.

Nkhaniyi ikufotokoza zomwe muyenera kudziwa:

• Medicare ndi chiyani
• momwe mungagwiritsire ntchito
• momwe mungakwaniritsire masiku ofunikira
• momwe mungadziwire ngati mukuyenerera

Kodi zaka zoyenerera za Medicare ndi ziti?

Msinkhu woyenera wa Medicare ndi wazaka 65. Izi zikugwira ntchito ngati mukugwirabe ntchito panthawi yazaka 65 zakubadwa. Simusowa kupuma pantchito kuti mulembetse ku Medicare.

Ngati muli ndi inshuwaransi kudzera kwa abwana anu panthawi yomwe mulembetsa ku Medicare, Medicare idzakhala inshuwaransi yanu yachiwiri.

Mutha kulembetsa ku Medicare:

• ukangotha ​​miyezi itatu mwezi usanakwanitse zaka 65
• Mwezi mumatha zaka 65
• mpaka miyezi itatu kuchokera mweziwo mutakwanitsa zaka 65

Nthawi iyi yazaka 65 zakubadwa zimapereka miyezi isanu ndi iwiri kuti mulembetse.

Kupatula pazoyenera pazaka za Medicare

Pali zosiyana zambiri pazomwe zaka za Medicare zikuyenera kukhala zaka, kuphatikiza:

• Kulemala. Ngati muli ochepera zaka 65 koma mukulandira Social Security chifukwa chaulema, mutha kukhala oyenera ku Medicare. Pambuyo pa miyezi 24 mulandila Social Security, mumakhala oyenera Medicare.
• ALS. Ngati muli ndi amyotrophic lateral sclerosis (ALS, kapena matenda a Lou Gehrig), mukuyenera kulandira Medicare mukangoyamba kupindula ndi Social Security. Simukuyenera kudikirira miyezi 24.
• ESRD. Ngati muli ndi matenda am'magazi am'magazi (ESRD), mumakhala Medicare woyenera pambuyo poumbidwa kwa impso kapena miyezi itatu kuchokera pamene mankhwala a dialysis ayamba.

Zofunikira zina pakuyenerera kwa Medicare

Pali mitundu ingapo yovomerezeka ya Medicare kuphatikiza pazofunikira zaka.

• Muyenera kukhala nzika yaku US kapena wokhala mwamilandu wokhala ku United States kwazaka zosachepera 5.
• Inu kapena mnzanu muyenera kuti mudalipira mu Social Security pazaka 10 kapena kupitilira apo (zomwe zimatchulidwanso kuti mwalandira ngongole 40), KAPENA muyenera kuti mudalipira msonkho wa Medicare pomwe inu kapena mnzanu mudali wantchito waboma.

Chaka chilichonse, ntchito yolembetsa ku Medicare imawoneka chimodzimodzi. Nazi nthawi zofunikira kukumbukira:

• Tsiku lanu lobadwa la 65. Nthawi yoyamba kulembetsa. Mutha kulembetsa kuti mulembetse ku Medicare mpaka miyezi itatu isanachitike, mwezi wa, ndi miyezi itatu mutakwanitsa zaka 65.
• Januware 1 – Marichi 31. Nthawi yolembetsa pachaka. Ngati simunalembetse Medicare pazenera la miyezi 7 kuzungulira tsiku lanu lobadwa, mutha kulembetsa panthawiyi. Muthanso kusintha pakati pa Original Medicare ndi Medicare Advantage mapulani ndikusintha dongosolo lanu la Medicare Part D panthawiyi. Ngati mulembetsa ku Medicare Part A kapena Part B panthawiyi, mudzakhala ndi chidziwitso pa Julayi 1.
• Ogasiti 15 – Disembala 7. Tsegulani nthawi yolembetsa kwa iwo omwe adalembetsa ku Medicare ndipo akufuna kusintha zosankha zawo. Mapulani omwe asankhidwa pakulembetsa poyera azigwira ntchito pa Januware 1.

Phunzirani za magawo osiyanasiyana a Medicare

Medicare ndi pulogalamu ya inshuwaransi yazaumoyo ya anthu azaka 65 kapena kupitilira apo, komanso anthu omwe ali ndi zovuta zina.

Medicare imagawika m'magawo osiyanasiyana. Zigawozo ndi njira yolozera malingaliro osiyanasiyana, zogulitsa, ndi maubwino olumikizidwa ndi Medicare.

• Medicare Gawo A. Medicare Part A ndi inshuwaransi ya chipatala. Ikukuphimbirani mukakhala kuchipatala kwakanthawi kochepa komanso muzithandizo zina monga hospice. Zimaperekanso chithandizo chochepa cha malo osamalira anthu okalamba ndikusankha ntchito zapakhomo.
• Medicare Gawo B. Medicare Part B ndi inshuwaransi ya zamankhwala yomwe imakhudza zosowa za tsiku ndi tsiku monga kusankhidwa kwa adotolo, kupita kwa othandizira, zida zamankhwala, komanso maulendo oyang'anira mwachangu.
• Gawo la Medicare Part C. Medicare Part C amatchedwanso Medicare Advantage. Mapulaniwa amaphatikiza kufotokozedwa kwa magawo A ndi B kukhala dongosolo limodzi. Mapulani a Medicare Advantage amaperekedwa ndi makampani a inshuwaransi apadera ndipo amayang'aniridwa ndi Medicare.
• Medicare Gawo D. Medicare Part D ndikulemba mankhwala. Mapulani a Gawo D ndi mapulani oyimirira okha omwe amangolemba zolemba zokha. Mapulaniwa amaperekedwanso kudzera m'makampani a inshuwaransi apadera.
• Kusinkhasinkha. Medigap imadziwikanso kuti Medicare supplement inshuwaransi. Mapulani a Medigap amathandizira kulipira ndalama zotulutsira mthumba za Medicare, monga zochotseredwa, zolipiritsa, komanso ndalama zandalama.

Kutenga

Msinkhu woyenerera wa Medicare ukupitilira kukhala wazaka 65. Ngati izi zisintha, mwina simungakhudzidwe, chifukwa kusintha kudzachitika pang'onopang'ono.

Kulembetsa ku Medicare kumatha kuwoneka kovuta, koma pali zinthu zambiri zokuthandizani kuti muchepetse njirayi ndikulembetsani.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.

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