Kuyenerera Kwa Medicare Pazaka 65: Kodi Mumayenerera?

Zamkati

• Kodi ndi malamulo ati oyenera kukhala a Medicare ngati muli ndi zaka 65?
• Kulandila Chitetezo cha Anthu Olumala
• Mapeto a matenda a impso (ESRD)
• Amyotrophic lateral sclerosis (ALS kapena matenda a Lou Gehrig)
• Zolumala zina
• Okwatirana a anthu 65 kapena kupitilira pa Medicare
• Kodi ndi malamulo ati omwe ali ovomerezeka ku Medicare?
• Kodi Medicare imapereka chiyani?
• Kutenga

Medicare ndi pulogalamu yothandizidwa ndi boma yothandizira zaumoyo yomwe nthawi zambiri imakhala ya azaka zapakati pa 65 ndi kupitilira apo, koma pali zina zosiyana. Munthu akhoza kulandira Medicare ali wamng'ono ngati ali ndi matenda kapena olumala.

Pemphani kuti muphunzire za zina zapakati pazaka za Medicare.

Kodi ndi malamulo ati oyenera kukhala a Medicare ngati muli ndi zaka 65?

Izi ndi zina mwazomwe mungayenerere kukhala ndi Medicare musanakwanitse zaka 65.

Kulandila Chitetezo cha Anthu Olumala

Ngati mwalandira Social Security Disability Insurance (SSDI) kwa miyezi 24, mudzangolembetsa ku Medicare pa mwezi wa 25 mutalandira cheke lanu loyamba la SSDI.

Malinga ndi Centers for Medicare & Medicaid Services (CMS), mu 2019 panali anthu 8.6 miliyoni olumala pa Medicare.

Mapeto a matenda a impso (ESRD)

Mutha kukhala oyenera kulandira chithandizo choyambirira cha Medicare ngati:

• adalandira kuti impso zalephera kuchokera kuchipatala
• ali ndi dialysis kapena adalandira impso
• amatha kulandira ma SSDI, Railroad Retirement benefits, kapena kulandira Medicare

Muyenera kudikirira miyezi itatu mutayamba kuyimba dialysis nthawi zonse kapena kulandira impso kuti muyenerere kulandira chithandizo cha Medicare.

Kupereka chithandizo kwa iwo omwe ali ndi zilema zamankhwala ndi zina zathanzi kwachulukitsa mwayi wopeza chithandizo chamankhwala ndikuchepetsa chiwerengero cha omwalira.

Mwachitsanzo, anthu pafupifupi 500,000 omwe ali ndi Medicare ali ndi ESRD, malinga ndi nkhani ya 2017. Wofufuzayo adatsimikiza kuti pulogalamu ya ESRD Medicare imalepheretsa anthu 540 kufa kuchokera ku ESRD pachaka.

Amyotrophic lateral sclerosis (ALS kapena matenda a Lou Gehrig)

Ngati muli ndi ALS, mungayenerere kukhala Medicare mukangopeza phindu la SSDI.

ALS ndi matenda omwe amapita patsogolo omwe nthawi zambiri amafunikira kuthandizira kuyenda, kupuma, komanso kupatsa thanzi.

Zolumala zina

Pakadali pano, ESRD ndi ALS ndiwo okhawo azachipatala omwe amayenera kulandira chithandizo cha Medicare popanda nthawi yayitali.

Malinga ndi Kaiser Family Foundation, izi ndi kuwonongeka kwa zinthu zomwe zimapangitsa SSDI mu 2014:

• 34%: Matenda amisala
• 28%: dongosolo la minofu ndi mafupa
• 4%: kuvulala
• 3%: khansa
• 30%: matenda ndi zina

Kulemala kumakhudza luso lanu logwira ntchito komanso kupeza chithandizo chamankhwala choyenera. Kuyenerera kukhala ndi Medicare kumatha kuthandiza, koma omwe ali ndi zilema amafotokozabe nkhawa zawo pamtengo ndi mwayi wopeza chithandizo, malinga ndi Kaiser Family Foundation.

Okwatirana a anthu 65 kapena kupitilira pa Medicare

Mbiri yakugwira ntchito kwa m'modzi m'modzi ingathandize mnzake kuti apeze chithandizo cha Medicare atakwanitsa zaka 65.

Komabe, wokwatirana yemwe ali ndi zaka zosakwana 65 sangakwanitse kulandira maubwino a Medicare koyambirira, ngakhale wokalamba wawo ali ndi zaka 65 kapena kupitilira apo.

Nachi chitsanzo: Jim ndi Mary ndi okwatirana. Jim akutenga zaka 65 ndipo Mary ali ndi zaka 60. Mary adagwira ntchito zaka zoposa 20, akumalipira misonkho ya Medicare pomwe Jim sankagwira ntchito.

Jim atakwanitsa zaka 65, mbiri yakugwira ntchito kwa Mary imatanthauza kuti Jim atha kulandira mwayi wa Medicare Part A kwaulere. Komabe, Mary sangayenerere phindu mpaka atakwanitsa zaka 65.

Kodi ndi malamulo ati omwe ali ovomerezeka ku Medicare?

Mutha kulandira Medicare Part A yaulere ngati muli ndi zaka 65 kapena kupitirira ndipo inu (kapena mnzanu) mudagwira ntchito ndikulipira misonkho ya Medicare kwa zaka zosachepera 10. Zaka siziyenera kukhala zotsatizana kuti ziyenerere.

Muthanso kukhala ndi Medicare muli ndi zaka 65 ngati mungakwaniritse izi:

• Mukulandira zabwino zapuma pantchito kuchokera ku Social Security Administration kapena Railroad Retirement Board.
• Mutha kukhala oyenera kupindula ndi mabungwe omwe ali pamwambapa koma simukuwalandila.
• Inu kapena mnzanu munali wogwira ntchito m'boma yokutidwa ndi Medicare.

Mutha kukhala woyenerabe kupeza Medicare Part A mukakwanitsa zaka 65 ngati simunalipira misonkho ya Medicare. Komabe, mutha kukhala ndi udindo wolipira ndalama zoyambira mwezi uliwonse kuti mufotokoze.

Kodi Medicare imapereka chiyani?

Boma la feduro lidapanga pulogalamu ya Medicare kukhala ngati mndandanda wazosankha. Mbali iliyonse ya Medicare imapereka chithandizo cha mitundu yosiyanasiyana yazithandizo zamankhwala.

Zitsanzo ndi izi:

• Medicare Part A imafotokoza za chipatala komanso kuchipatala.
• Medicare Gawo B limafotokoza zaulendo wopita kuchipatala komanso ntchito zakuchipatala.
• Medicare Part C (Medicare Advantage) ndi dongosolo "lotulutsidwa" lomwe limapereka magawo a A, B, ndi D.
• Medicare Part D imapereka chithandizo chamankhwala.
• Ndondomeko zowonjezerapo za Medicare (Medigap) zimapereka chiphaso chowonjezera cha zolipira ndi zotulutsidwa komanso ntchito zina zamankhwala.

Anthu ena amasankha kupeza gawo lililonse la Medicare pomwe ena amakonda njira yothandizidwa ndi Medicare Part C. Komabe, Medicare Part C sikupezeka m'malo onse adzikoli.

Anthu ena amayenera kulipira chindapusa akalembetsa mochedwa mu ntchito za Medicare. Kumbukirani masiku awa zikafika kulembetsa ku Medicare:

• Ogasiti 15 mpaka Disembala 7: Nthawi yolembetsa kulembetsa ku Medicare.
• Jan. 1 mpaka Marichi 31: Medicare Advantage (Gawo C) kulembetsa kwaulere.
• Epulo 1 mpaka Juni 30: Munthu atha kuwonjezera dongosolo la Medicare Advantage kapena dongosolo la Medicare Part D lomwe liyambe kufotokozedwa pa Julayi 1.
• Tsiku lobadwa la 65: Muli ndi miyezi itatu musanakwanitse zaka 65, mwezi wanu wobadwa, ndi miyezi itatu mutabadwa mwezi umodzi kuti mulembetse Medicare.

Kutenga

Nthawi zina pamakhala munthu amene angathe kulandira Medicare asanakwanitse zaka 65. Ngati inu kapena wokondedwa wanu mwapezeka kuti muli ndi matenda osachiritsika kapena muli ndi vuto lomwe likukulepheretsani kugwira ntchito, lankhulani ndi dokotala wanu za ngati mungakwanitse Mankhwala.

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.