Kodi Ndizotheka Kukhala Ndi Nthawi Yodikira Ya Medicare Ngati Mukulemala?

Zamkati

• Kodi nthawi yakudikirira Medicare ndi iti?
• Ndani ali woyenera Medicare pansi pa zaka 65?
• Kodi nthawi yakudikirira ya Medicare idachotsedwapo?
• Nthawi yodikira anthu omwe ali ndi ALS
• Nthawi yodikirira anthu omwe ali ndi ESRD
• Kodi ndingapeze bwanji chiphaso panthawi yakudikirira?
• Mfundo yofunika

• Mudzalembetsedwa ku Medicare mukangolandira zabwino za Social Security kwa miyezi 24.
• Nthawi yoyembekezera imachotsedwa ngati muli ndi amyotrophic lateral sclerosis (ALS) kapena matenda am'magazi (ESRD).
• Palibe nthawi yoyembekezera ya Medicare ngati mwatha zaka 65.
• Mutha kulembetsa mitundu ina yokhudzidwa panthawi yakudikirira.

Anthu omwe amalandila Inshuwaransi Yolumala ya Social Security (SSDI) ali oyenera kulandira Medicare. Nthawi zambiri, mudzangolembetsa ku Medicare pakadutsa zaka ziwiri.

Kuphunzira kwanu kwa Medicare kudzayamba tsiku loyamba la mwezi wanu wa 25 wolandila zabwino. Komabe, ngati muli ndi ALS kapena ESRD, mutha kulandira chithandizo cha Medicare osadikirira zaka ziwiri.

Kodi nthawi yakudikirira Medicare ndi iti?

Nthawi yodikira ya Medicare ndi nyengo yazaka ziwiri yomwe anthu amafunika kudikirira asanalembetse nawo kufalitsa kwa Medicare. Nthawi yodikira ndi ya okhawo omwe amalandira SSDI, ndipo sagwira ntchito ngati muli ndi zaka 65 kapena kupitilira apo. Anthu aku America akuyenera kulembetsa ku Medicare mpaka miyezi itatu asanakwanitse zaka 65.

Izi zikutanthauza kuti ngati mungalembetse phindu la SSDI ndikuvomerezedwa mukakhala ndi zaka 64, phindu lanu la Medicare lidzayamba pa 65, monga momwe angakhalire ngati simunalandire SSDI. Komabe, ngati mungalembetse SSDI nthawi ina iliyonse, muyenera kudikirira zaka ziwiri zonsezo.

Ndani ali woyenera Medicare pansi pa zaka 65?

Ziribe kanthu msinkhu wanu, ndinu oyenera ku Medicare ngati mwakhala mukulandira zabwino za SSDI kwa miyezi 24. Kuti mupeze phindu, muyenera kulembetsa ndi Social Security Administration (SSA). Kulumala kwanu kuyenera kukwaniritsa zofunikira za SSA.

Malinga ndi SSA, kulumala kwanu kuyenera:

• kukulepheretsani kugwira ntchito
• kuyembekezeredwa kukhala pafupifupi chaka chimodzi, kapena kuwerengedwa ngati otsiriza

Muyamba nthawi yazodikirira zaka ziwiri mutavomerezedwa ku SSDI. Mudzalembetsa ku Medicare Part A (inshuwaransi ya chipatala) ndi Medicare Part B (inshuwaransi ya zamankhwala). Mudzalandira makhadi anu a Medicare ndi zidziwitso mu makalata pamwezi wanu wa 22th wa maubwino, ndipo kufalitsa kumayambira mwezi wa 25. Mwachitsanzo, ngati mungavomerezedwe ku SSDI mu Juni 2020, kufalitsa kwanu kwa Medicare kungayambike pa Julayi 1, 2022.

Kodi nthawi yakudikirira ya Medicare idachotsedwapo?

Ambiri omwe amalandira SSDI amafunika kudikirira miyezi 24 kuti Medicare isayambe. Komabe, pali zosiyana. Pazinthu zina zowopseza moyo, nthawi yodikirayo imachotsedwa ndipo kufalitsa kumayamba posachedwa. Simusowa kudikirira zaka ziwiri zonse ngati muli ndi ASL kapena ESRD.

Nthawi yodikira anthu omwe ali ndi ALS

ALS imadziwikanso kuti matenda a Lou Gehrig. ALS ndi matenda osachiritsika omwe amatsogolera ku kuwonongeka kwa minofu. Zimasokonekera, zomwe zikutanthauza kuti vutoli limakulirakulira pakapita nthawi. Pakadali pano palibe mankhwala a ALS, koma mankhwala ndi chisamaliro chothandizira zimatha kukonza moyo wabwino.

Anthu omwe ali ndi ALS amafunikira chithandizo chamankhwala kuti awathandize kukhala moyo wabwino. Anthu ambiri omwe ali ndi ALS amafunikira chisamaliro cha anamwino azaumoyo kunyumba kapena malo osungira okalamba. Popeza matendawa amayenda mwachangu ndipo amafunikira chithandizo chamankhwala chochuluka, nthawi yoyembekezera ya Medicare imachotsedwa.

Ngati muli ndi ALS, mudzalembetsedwa ku Medicare kufalitsa mwezi woyamba womwe mwavomerezedwa ku SSDI.

Nthawi yodikirira anthu omwe ali ndi ESRD

ESRD nthawi zina amatchedwa matenda omaliza amphongo kapena kulephera kwa impso. ESRD imachitika pamene impso zanu sizikugwiranso ntchito mokwanira kukwaniritsa zosowa za thupi lanu. ESRD ndiye boma lomaliza la matenda a impso. Muyenera kuti mudzalandira chithandizo cha dialysis mukakhala ndi ESRD, ndipo mungaganiziridwe za impso.

Simuyenera kudikirira zaka ziwiri zonse kuti mulandire chithandizo cha Medicare ngati muli ndi ESRD. Kuphunzira kwanu kwa Medicare kudzayamba tsiku loyamba la mwezi wachinayi wamankhwala anu a dialysis. Mutha kupeza chithandizo mukangomaliza kulandira chithandizo chamwezi mukangomaliza maphunziro ovomerezeka a Medicare kuti mudzichiritse nokha kuchipatala.

Nthawi zina, izi zitha kutanthauza kuti kufalitsa kwanu kumayamba musanalembe. Mwachitsanzo, ngati mukulandira dialysis kuchipatala ndikufunsira a Medicare pamwezi wachisanu ndi chiwiri wothandizidwa, Medicare ikubwezerani mobwerezabwereza kuyambira mwezi wachinayi.

Komabe, simungathe kulembetsa dongosolo la Medicare Advantage ndi ESRD. Kuphunzira kwanu kudzakhala Medicare mbali A ndi B, kapena "Medicare yoyambirira."

Kodi ndingapeze bwanji chiphaso panthawi yakudikirira?

Muli ndi zosankha zingapo pakadikirira zaka ziwiri. Izi zikuphatikiza:

• Kuphunzira kwa Medicaid. Mutha kukhala woyenera kulandira Medicaid ngati mulibe ndalama zochepa, kutengera malingaliro amchigawo chanu.
• Kuphunzira kuchokera ku Msika wa Inshuwaransi Yathanzi. Mutha kugula zogulira pogwiritsa ntchito Msika wa Inshuwaransi Yathanzi ku United States. Kugwiritsa ntchito Msika kukuganizirani pa Medicaid komanso ngongole za misonkho zomwe zingachepetse ndalama zanu.
• Kuphunzira kwa COBRA. Mutha kugula mapulani omwe abwana anu akale adakupatsani. Komabe, mudzalipira ndalama zonse zoyambira kuphatikiza zomwe abwana anu amalipira.

Mfundo yofunika

• Kupezeka kwa Medicare kumapezeka kwa anthu ochepera zaka 65 omwe amalandila phindu la Social Security.
• Anthu ambiri amalembetsa pambuyo pazaka ziwiri kudikirira.
• Ngati muli ndi ESRD kapena ALS, nthawi yakudikirira zaka ziwiri ichotsedwa.
• Mutha kugwiritsa ntchito mapulogalamu monga Medicaid, COBRA, kapena Health Insurance Marketplace kuti mupeze inshuwaransi yazaumoyo munthawi yakudikirira.