Ukufaneleka Kwemithi Ngaphansi Kweminyaka Engama-65: Ingabe Uyafaneleka?

-Delile

• Iyini imithetho yokufaneleka kwe-Medicare uma ungaphansi kweminyaka engama-65?
• Ukuthola Ukuphepha Komphakathi ngokukhubazeka
• Isifo sokuqedwa kwezinso (ESRD)
• I-Amyotrophic lateral sclerosis (i-ALS noma isifo sikaLou Gehrig)
• Okunye ukukhubazeka
• Abashade nabantu abangama-65 nangaphezulu ku-Medicare
• Yimiphi imithetho ejwayelekile yokufaneleka yeMedicare?
• Yikuphi ukumbozwa okunikezwa yiMedicare?
• Ukuthatha

I-Medicare wuhlelo lokunakekelwa kwezempilo oluxhaswe nguhulumeni olujwayele ukwenziwa kulabo abaneminyaka engama-65 nangaphezulu, kepha kukhona okunye okuhlukile. Umuntu angafanelekela ukuthola iMedicare esemncane uma enezimo ezithile zezempilo noma ukukhubazeka.

Funda ukuze ufunde mayelana nokuhlukile kokudala kokutholakala kwe-Medicare.

Iyini imithetho yokufaneleka kwe-Medicare uma ungaphansi kweminyaka engama-65?

Lokhu okulandelayo ezinye zezimo lapho ungafaneleka khona ukuthola iMedicare ngaphambi kweminyaka yobudala engama-65.

Ukuthola Ukuphepha Komphakathi ngokukhubazeka

Uma ngabe uthola i-Social Security Disability Insurance (SSDI) izinyanga ezingama-24, uzobhaliswa ngokuzenzekelayo kwi-Medicare ngenyanga yama-25 ngemuva kokutholwa kwesheke lakho lokuqala le-SSDI.

Ngokusho kweCenters for Medicare & Medicaid Services (CMS), ngo-2019 kwakukhona abantu abayizigidi eziyi-8.6 abakhubazekile kwiMedicare.

Isifo sokuqedwa kwezinso (ESRD)

Ungakufanelekela ukutholakala kwemithi yokuqala uma:

• bathole ukuxilongwa kokuhluleka ukusebenza kwezinso kochwepheshe bezokwelapha
• bakwi-dialysis noma bafakelwe izinso
• bayakwazi ukuthola izinzuzo ze-SSDI, Railroad Retirement, noma bafanelekele iMedicare

Kufanele ulinde izinyanga ezintathu ngemuva kokuqala i-dialysis ejwayelekile noma ukuthola ukufakelwa kwezinso ukuze ufanelekele ukutholakala kwe-Medicare.

Ukunikeza ukumbozwa kwalabo abakhubazekile ngokwezempilo kanye nezimo ezithile zezempilo ezingalapheki kukhulise ukufinyelela kwezokunakekelwa kwempilo futhi kwehlise inani lokufa.

Isibonelo, abantu abalinganiselwa ku-500,000 abane-Medicare bane-ESRD, ngokusho kwendatshana ka-2017. Umcwaningi unqume ukuthi uhlelo lwe-ESRD Medicare luvimbela ukufa kwabantu abangafika ku-540 ababulawa yi-ESRD ngonyaka.

I-Amyotrophic lateral sclerosis (i-ALS noma isifo sikaLou Gehrig)

Uma une-ALS, uzokwazi ukuthola iMedicare ngokushesha ngemuva kokuqoqa izinzuzo ze-SSDI.

I-ALS yisifo esiqhubekayo esivame ukudinga ukusekelwa kokuhamba, ukuphefumula nokondleka komzimba.

Okunye ukukhubazeka

Njengamanje, i-ESRD ne-ALS yizona kuphela izimo zezokwelapha ezifanele ukutholakala kwe-Medicare ngaphandle kwesikhathi eside sokulinda.

Ngokusho kweKaiser Family Foundation, okulandelayo ukuwohloka kwezimo ezifanele i-SSDI ngo-2014:

• Amaphesenti angama-34: ukuphazamiseka kwempilo yengqondo
• Amaphesenti angama-28: uhlelo lwe-musculoskeletal kanye nezinkinga zezicubu ezixhuma
• 4%: ukulimala
• 3%: umdlavuza
• Amaphesenti angama-30: ezinye izifo nemibandela

Ukukhubazeka kungathinta ikhono lakho lokusebenza nokuthola ukunakekelwa okufanele kwezokwelapha. Ukufanelekela iMedicare kungasiza, kepha labo abakhubazekile basabika ukukhathazeka ngezindleko nokufinyelela ekunakekelweni, ngokusho kweKaiser Family Foundation.

Abashade nabantu abangama-65 nangaphezulu ku-Medicare

Umlando wokusebenza komunye womlingani ungasiza omunye umlingani ukuthi athole ukutholakala kwe-Medicare lapho eba neminyaka engama-65.

Kodwa-ke, umlingani ongaphansi kweminyaka engama-65 akakwazi ukuthola izinzuzo zokuqala ze-Medicare, noma ngabe umlingani wakhe osekhulile uneminyaka engama-65 noma ngaphezulu.

Nasi isibonelo: UJim noMary bashadile. UJim uhlanganisa iminyaka engama-65 kanti uMary uneminyaka engama-60. UMary usebenze iminyaka engaphezu kwengu-20, ekhokha intela yeMedicare ngenkathi uJim engasebenzi.

Lapho uJim eba neminyaka engama-65, umlando womsebenzi kaMary usho ukuthi uJim angafanelekela ukuthola izinzuzo ze-Medicare Part A mahhala. Kodwa-ke, uMary akakwazi ukuthola izinzuzo aze abe neminyaka engama-65.

Yimiphi imithetho ejwayelekile yokufaneleka yeMedicare?

Ungakufanelekela ukuthola i-Medicare Part A yamahhala uma uneminyaka engama-65 noma ngaphezulu kanti wena (noma oshade naye) nisebenzile futhi nakhokha intela yeMedare okungenani isikhathi esiyiminyaka eyishumi. Iminyaka akudingeki ukuthi ilandelane ukuze ufaneleke.

Ungakwazi futhi ukuthola iMedicare lapho uneminyaka engama-65 uma uhlangabezana nale mibandela elandelayo:

• Okwamanje uthola izinzuzo zokuthatha umhlalaphansi ku-Social Security Administration noma i-Railroad Retirement Board.
• Ungase ufanelekele izinzuzo ezivela kulezi zinhlangano ezingenhla kodwa awukazitholi okwamanje.
• Wena noma owakwakho nibeyisisebenzi sikahulumeni esimbozwe yi-Medicare.

Usengafanelekela iMedicare Part A lapho usuyohlanganisa iminyaka engama-65 uma ungakhokhi intela yeMedicare. Kodwa-ke, ungaba nesibopho sokukhokha imali ekhokhwa njalo ngenyanga yokumbozwa.

Yikuphi ukumbozwa okunikezwa yiMedicare?

Uhulumeni wesifundazwe waklama uhlelo lweMedicare ukuthi lufane nemenyu yezinketho zokukhetha. Isici ngasinye seMedicare sinikeza ukumbozwa ngezinhlobo ezahlukahlukene zezinsizakalo zezokwelapha.

Izibonelo zifaka:

• I-Medicare Part A ihlanganisa ukumbozwa kwezibhedlela neziguli.
• I-Medicare Part B ihlanganisa ukumbozwa kokuvakashelwa kwezokwelapha kanye nezinsizakalo zezokwelapha ezingalaliswayo.
• I-Medicare Part C (Medicare Advantage) uhlelo “oluyinqwaba” olunikela ngezinsizakalo ze-A, B, ne-D.
• I-Medicare Part D ihlinzeka ngemithi kadokotela.
• Izinhlelo zokwengeza zeMedicare (iMedigap) zinikeza ukumbozwa okungeziwe kokukhokhwa kwemali kanye nokudonswayo kanye nezinye izinsizakalo zezokwelapha.

Abanye abantu bakhetha ukuthola ingxenye ngayinye ye-Medicare ngenkathi abanye bekhetha indlela ehlanganisiwe eya kwi-Medicare Part C. Kodwa-ke, iMedicare Part C ayitholakali kuzo zonke izingxenye zezwe.

Abanye abantu kufanele bakhokhe izinhlawulo uma bebhalisa sekwedlule isikhathi emisebenzini ye-Medicare. Gcina lezi zinsuku engqondweni uma kukhulunywa ngokubhaliswa kwe-Medicare:

• Okthoba 15 kuya kuDisemba 7: Isikhathi sokubhaliswa esivulekile sonyaka seMedicare.
• Jan. 1 kuya ku-Mashi 31: I-Medicare Advantage (Ingxenye C) ukubhaliswa okuvulekile.
• Ephreli 1 kuya kuJuni 30: Umuntu angangeza uhlelo lweMedicare Advantage noma uhlelo lweMedicare Part D oluzoqala ukumbozwa ngoJulayi 1.
• Usuku lokuzalwa olungu-65: Unezinyanga ezintathu ngaphambi kokuba ube neminyaka engama-65, inyanga yakho yokuzalwa, nezinyanga ezintathu ngemuva kwenyanga yakho yokuzalwa ukuze ubhalisele iMedicare.

Ukuthatha

Ezinye izimo zikhona lapho umuntu angafanelekela ukuthola i-Medicare ngaphambi kweminyaka yobudala engama-65. Uma wena noma othandekayo kutholakala ukuthi unesimo esingelapheki sezempilo noma unokulimala okukugcina ungasebenzi, khuluma nodokotela wakho mayelana nokuthi ungakulungela yini noma nini Imithi.

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.