Kungenzeka Yini Ukuthi Isikhathi Sokulinda Sokulashwa Siphakanyiswe Uma Unokukhubazeka?

-Delile

• Siyini isikhathi sokulinda seMedicare?
• Ngubani ofanelekela i-Medicare engaphansi kweminyaka engama-65?
• Ngabe isikhathi sokulinda seMedicare sike sakhishwa?
• Isikhathi sokulinda sabantu abane-ALS
• Isikhathi sokulinda sabantu abane-ESRD
• Ngikuthola kanjani ukumbozwa ngesikhathi sokulinda?
• Okubalulekile

• Uzobhaliswa ngokuzenzakalela ku-Medicare uma usuthole izinzuzo zokukhubazeka Komphakathi izinyanga ezingama-24.
• Isikhathi sokulinda siyasuswa uma une-amyotrophic lateral sclerosis (ALS) noma isifo sesifo sesigaba sokugcina (ESRD).
• Asikho isikhathi sokulinda seMedicare uma ungaphezu kweminyaka engama-65.
• Ungafaka isicelo sezinye izinhlobo zokumbozwa ngesikhathi sokulinda.

Abantu abathola i-Social Security Disability Insurance (SSDI) bayakufanelekela ukuthola iMedicare. Ezimweni eziningi, uzobhaliswa ngokuzenzekelayo kwi-Medicare ngemuva kwesikhathi sokulinda seminyaka emibili.

Ukutholakala kwakho kwe-Medicare kuzoqala ngosuku lokuqala lwenyanga yakho yama-25 yokuthola izinzuzo. Kodwa-ke, uma une-ALS noma i-ESRD, ungathola ukufakwa kwe-Medicare ngaphandle kwesikhathi sokulinda seminyaka emibili.

Siyini isikhathi sokulinda seMedicare?

Isikhathi sokulinda seMedicare yisikhathi seminyaka emibili lapho abantu kudingeka balinde ngaphambi kokuba babhaliswe ekusetshenzisweni kwe-Medicare. Isikhathi sokulinda senzelwe labo abathola i-SSDI kuphela, futhi asisebenzi uma uneminyaka engama-65 noma ngaphezulu. Abantu baseMelika banelungelo lokubhalisa kwi-Medicare kuze kube izinyanga ezintathu ngaphambi kokuzalwa kwabo kwama-65.

Lokhu kusho ukuthi uma ufaka isicelo sezinzuzo ze-SSDI futhi wamukelwa lapho uneminyaka engama-64, izinzuzo zakho zeMedicare zizoqala zingama-65, njengoba bebezoba nazo uma ungatholanga i-SSDI. Kodwa-ke, uma ufaka isicelo se-SSDI nganoma yisiphi esinye isikhathi, kuzodingeka ulinde iminyaka emibili ephelele.

Ngubani ofanelekela i-Medicare engaphansi kweminyaka engama-65?

Akunandaba ukuthi uneminyaka emingaki, uyakufanelekela ukuthola iMedicare uma ngabe uthola izinzuzo ze-SSDI izinyanga ezingama-24. Ukuze uthole izinzuzo, kuzodingeka ukuthi ufake isicelo ne-Social Security Administration (SSA). Ukukhubazeka kwakho kuzodinga ukuhlangabezana nezimfuneko ze-SSA.

Ngokwe-SSA, ukukhubazeka kwakho kudinga:

• kukugcina ungasebenzi
• kulindeleke ukuthi ihlale okungenani unyaka, noma ihlukaniswe njenge-terminal

Uzoqala isikhathi sokulinda seminyaka emibili uma uvunyelwe i-SSDI. Uzobhaliswa kwi-Medicare Part A (umshuwalense wesibhedlela) naseMedicare Part B (umshuwalense wezokwelapha). Uzothola amakhadi akho e-Medicare nemininingwane ngeposi phakathi nenyanga yakho yama-22 yezinzuzo, futhi ukumbozwa kuzoqala phakathi nenyanga yama-25. Isibonelo, uma uvunyelwe i-SSDI ngoJuni ka-2020, ukumbozwa kwakho kwe-Medicare kuzoqala ngoJulayi 1, 2022.

Ngabe isikhathi sokulinda seMedicare sike sakhishwa?

Abamukeli abaningi be-SSDI badinga ukulinda izinyanga ezingama-24 ngaphambi kokuqala kokutholakala kwe-Medicare. Noma kunjalo, kukhona okuhlukile. Kwezinye izimo ezisongela impilo, isikhathi sokulinda siyasuswa futhi ukumbozwa kuqala ngokushesha. Ngeke udinga ukulinda iminyaka emibili egcwele uma une-ASL noma i-ESRD.

Isikhathi sokulinda sabantu abane-ALS

I-ALS yaziwa nangokuthi isifo sikaLou Gehrig. I-ALS yisimo esingelapheki esiholela ekulahlekelweni kokulawulwa kwemisipha. Kuyawohloka, okusho ukuthi isimo siba sibi ngokuhamba kwesikhathi. Okwamanje alikho ikhambi le-ALS, kepha imithi nokunakekelwa okusekelayo kungathuthukisa ikhwalithi yempilo.

Abantu abane-ALS badinga usizo lwezokwelashwa ukuze babasize baphile ngokunethezeka. Abantu abaningi abane-ALS badinga ukunakekelwa kwabahlengikazi bezempilo emakhaya noma izikhungo zabahlengikazi. Njengoba lesi sifo sihamba ngokushesha futhi sidinga ukunakekelwa okungaka kwezokwelapha, isikhathi sokulinda seMedicare siyasuswa.

Uma une-ALS, uzobhaliswa ekusetshenzisweni kwe-Medicare ngenyanga yokuqala ovunyelwe ngayo i-SSDI.

Isikhathi sokulinda sabantu abane-ESRD

I-ESRD kwesinye isikhathi ibizwa ngokuthi yisifo sezinso sokugcina noma ukwehluleka kwezinso. I-ESRD yenzeka lapho izinso zakho zingasasebenzi kahle ngokwanele ukuhlangabezana nezidingo zomzimba wakho. I-ESRD yisimo sokugcina sesifo sezinso esingalapheki. Uzodinga ukwelashwa nge-dialysis uma une-ESRD, futhi ungacatshangelwa ukufakelwa izinso.

Awudingi ukulinda iminyaka emibili egcwele ukuthola ukwaziswa kweMedare uma une-ESRD. Ukutholakala kwakho kwe-Medicare kuzoqala ngosuku lokuqala lwenyanga yesine yokwelashwa kwakho nge-dialysis. Ungathola ukumbozwa ngokushesha nje lapho inyanga yakho yokuqala yokwelashwa uma uqedela uhlelo lokuqeqeshwa oluvunyelwe yi-Medicare ukuze uzenzele owakho ukwelashwa nge-dialysis ekhaya.

Kwezinye izimo, lokhu kungasho ukuthi ukumbozwa kwakho kuzoqala ngaphambi kokufaka isicelo. Isibonelo, uma uthola i-dialysis esikhungweni sezokwelapha futhi ufake isicelo seMedicare phakathi nenyanga yakho yesikhombisa yokwelashwa, iMedicare izokumboza ngokubuyisa kusukela enyangeni yakho yesine.

Kodwa-ke, ngeke ukwazi ukubhalisela uhlelo lwe-Medicare Advantage nge-ESRD. Ukumboza kwakho kuzoba izingxenye ze-Medicare A no-B, noma i- "Medicare yasekuqaleni."

Ngikuthola kanjani ukumbozwa ngesikhathi sokulinda?

Unezinketho ezimbalwa zokumbozwa phakathi nesikhathi sokulinda seminyaka emibili. Lokhu kufaka phakathi:

• Ukumbozwa kweMedicaid. Ungahle ufanelekele i-Medicaid uma unemali engenayo elinganiselwe, ngokuya ngezinqubomgomo zombuso wakho.
• Ukubheka okuvela endaweni yemakethe yomshwalense wezempilo. Ungathenga ukumbozwa usebenzisa iMakethe Yomshuwalense Wezempilo wase-United States. Isicelo seMakethe sizokubheka ngeMedicaid nangezikweletu zentela ezinganciphisa izindleko zakho.
• Ukusabalala kwe-COBRA. Ungathenga uhlelo olunikezwa umqashi wakho wangaphambilini. Kodwa-ke, uzokhokha yonke imali ye-premium kufaka nengxenye obekukhokhwa umqashi wakho.

Okubalulekile

• Ukutholakala kwemithi kutholakala kubantu abangaphansi kweminyaka engama-65 abathola izinzuzo zokukhubazeka kwezenhlalakahle.
• Iningi labantu libhaliswa ngokuzenzekelayo ngemuva kwesikhathi sokulinda seminyaka emibili.
• Uma une-ESRD noma i-ALS, isikhathi sokulinda seminyaka emibili sizokhishwa.
• Ungasebenzisa ngokunenzuzo izinhlelo ezinjengeMedicaid, i-COBRA, noma i-Health Insurance Marketplace ukuthola umshuwalense wezempilo ngesikhathi sokulinda.