Ukufaneleka kwamayeza phantsi kweminyaka yobudala engama-65: Ngaba uyafaneleka?

Umxholo

• Ithini imigaqo yokufaneleka kweMedicare ukuba ungaphantsi kweminyaka engama-65?
• Ukufumana uKhuseleko lweNtlalo ngokukhubazeka
• Ukuphela kwesifo sezintso (ESRD)
• Amyotrophic lateral sclerosis (ALS okanye isifo sikaLou Gehrig)
• Olunye ukhubazeko
• Amaqabane abantu angama-65 nangaphezulu kwi-Medicare
• Yeyiphi imigaqo eqhelekileyo yokufaneleka kweMedicare?
• Leliphi igalelo elenziwa ngamayeza?
• Ukuthatha

I-Medicare yinkqubo exhaswa ngurhulumente yokhathalelo lwempilo edla ngokwenziwa kuloo minyaka ingama-65 nangaphezulu, kodwa kukho ezinye iimeko ezizodwa. Umntu unokufanelekela ukufumana i-Medicare esemncinci ukuba uneemeko ezithile zonyango okanye ukukhubazeka.

Funda ukuze ufunde malunga neminye iminyaka yobudala ngaphandle kokugubungela iMedicare.

Ithini imigaqo yokufaneleka kweMedicare ukuba ungaphantsi kweminyaka engama-65?

Ezi zilandelayo ziimeko apho unokufanelekela ukufumana i-Medicare ngaphambi kweminyaka engama-65.

Ukufumana uKhuseleko lweNtlalo ngokukhubazeka

Ukuba ufumene i-Inshurensi yokuKhubazeka kweNtlalo (SSDI) iinyanga ezingama-24, uya kubhalisa ngokuzenzekelayo kwi-Medicare ngenyanga ye-25 emva kokuba ifunyenwe i-SSDI yakho yokuqala.

Ngokwe-Centers for Medicare & Medicaid Services (CMS), ngo-2019 bekukho abantu abayi-8.6 yezigidi abakhubazekileyo kwi-Medicare.

Ukuphela kwesifo sezintso (ESRD)

Unokufanelekela ukukhutshwa kwangoko kwi-Medicare ukuba:

• Ndifumene isifo sokusilela kwezintso kugqirha
• bakudialysis okanye bafakelwe izintso
• bayakwazi ukufumana i-SSDI, izibonelelo zoMhlala-phantsi koLoliwe, okanye bafanelekele iMedicare

Kuya kufuneka ulinde iinyanga ezi-3 emva kokuqala i-dialysis rhoqo okanye ukufumana ukufakelwa kwezintso ukuze ufanelekele ukukhutshwa kwe-Medicare.

Ukubonelela ngokhuseleko kwabo bakhubazekileyo kwezonyango kunye neemeko ezithile zempilo ezinganyangekiyo kuye kwandisa ukufikelela kwezempilo kwaye kunciphisa inani lokufa.

Umzekelo, abantu abaqikelelwa kwi-500,000 abane-Medicare bane-ESRD, ngokwenqaku lika-2017. Umphandi uzimisele ukuba inkqubo ye-ESRD ye-Medicare ithintela ukuya kuthi ga kwi-540 yokufa kwi-ESRD ngonyaka.

Amyotrophic lateral sclerosis (ALS okanye isifo sikaLou Gehrig)

Ukuba unayo i-ALS, uya kufaneleka kwi-Medicare ngokukhawuleza emva kokuqokelela izibonelelo ze-SSDI.

I-ALS sisifo esiqhubela phambili esidla ngokufuna inkxaso yokuhamba, ukuphefumla kunye nesondlo.

Olunye ukhubazeko

Okwangoku, i-ESRD kunye ne-ALS kuphela kweemeko zonyango ezilungele ukugubungela iMedicare ngaphandle kwexesha lokulinda elandisiweyo.

NgokweKaiser Family Foundation, oku kulandelayo kukuphazamiseka kweemeko ezifanelekileyo kwi-SSDI ngo-2014:

• Iipesenti ezingama-34: iingxaki zempilo yengqondo
• Ipesenti ye-28: inkqubo ye-musculoskeletal kunye nokuphazamiseka kwethishu
• Iipesenti ezi-4: ukwenzakala
• Ipesenti ezi-3: umhlaza
• Iipesenti ezingama-30: ezinye izifo kunye neemeko

Ukukhubazeka kunokuchaphazela amandla akho okusebenza kunye nokufumana unyango olufanelekileyo. Ukulungela iMedicare kunokunceda, kodwa abo bakhubazekileyo basaxela inkxalabo malunga neendleko kunye nokufikelela kukhathalelo, ngokweKaiser Family Foundation.

Amaqabane abantu angama-65 nangaphezulu kwi-Medicare

Imbali yokusebenza kweqabane elinye inokunceda elinye iqabane ukuba lifumane ukhuselo lweMedare xa befika kwiminyaka engama-65.

Nangona kunjalo, iqabane elingaphantsi kweminyaka engama-65 alinakufanelekela ukufumana izibonelelo zokuqala zeMedare, nokuba iqabane labo elidala lineminyaka engama-65 okanye ngaphezulu.

Nanku umzekelo: UJim noMary batshatile. UJim uguqula iminyaka engama-65 kwaye uMary uneminyaka engama-60. UMary usebenze ngaphezulu kweminyaka engama-20, ehlawula irhafu ye-Medicare ngelixa uJim engasebenzi.

Xa uJim eba neminyaka engama-65, imbali yomsebenzi kaMary ithetha ukuba uJim angazifumana izibonelelo zeCandelo leMedicare mahala. Nangona kunjalo, uMary akanakulungela izibonelelo ade abe neminyaka engama-65.

Yeyiphi imigaqo eqhelekileyo yokufaneleka kweMedicare?

Unokufumana isiQinisekiso se-Medicare samahhala se-premium ukuba uneminyaka engama-65 okanye ngaphezulu kwaye wena (okanye iqabane lakho) nisebenze kwaye nihlawula irhafu ye-Medicare okungenani iminyaka eli-10. Iminyaka akufuneki ilandelane ukuze ufaneleke.

Unokufumana i-Medicare kwiminyaka engama-65 xa uhlangabezana nale migaqo:

• Okwangoku ufumana izibonelelo zomhlala-phantsi kuLawulo loKhuseleko lweNtlalo okanye kwiBhodi yoRhola uMhlala phantsi.
• Unokufanelekela izibonelelo ezivela kule mibutho ingentla kodwa okwangoku awazifumani.
• Wena okanye iqabane lakho yayingumsebenzi waseburhulumenteni ogutyungelwe nguMedare.

Usengakulungela ukufumana iCandelo leMedicare A xa uneminyaka engama-65 ukuba awuyihlawulanga irhafu ye-Medicare. Nangona kunjalo, unokuba noxanduva lokuhlawula ipremiyamu yenyanga yokugubungela.

Leliphi igalelo elenziwa ngamayeza?

Urhulumente wobumbano uyile inkqubo ye-Medicare ukuba ibe njengemenyu yeemaphu ongakhetha kuzo. Icandelo ngalinye leMedicare libonelela ngeendlela ezahlukeneyo zonyango.

Imizekelo ibandakanya:

• Icandelo leMedicare A ligubungela isibhedlele kunye nesigulana esibhedlele.
• Icandelo leMedicare B ligubungela ukutyelelwa kwezonyango kunye neenkonzo zonyango.
• Icandelo le-Medicare Icandelo C (i-Medicare Advantage) sisicwangciso "esihlanganisiweyo" esibonelela ngeenkonzo ze-A, B, kunye ne-D.
• Icandelo lonyango i-Medicare Icandelo D libonelela ngogqirha.
• Izicwangciso zokuncedisa kwiMedare (iMedigap) zibonelela ngokogqithiso olongezelelweyo lweemali ezikhutshiweyo kunye nezokutsalwa kunye nezinye iinkonzo zonyango.

Abanye abantu bakhetha ukufumana isabelo ngasinye seMedicare ngelixa abanye bekhetha indlela yokuqokelela kwiMedicare Part C. Nangona kunjalo, iCandelo leMedicare C alifumaneki kuzo zonke iindawo zelizwe.

Abanye abantu kufuneka bahlawule izohlwayo ukuba babhalisa kade kwiinkonzo zeMedare. Gcina le mihla engqondweni xa kuziwa kubhaliso lweMedare:

• Oktobha 15 ukuya kuDisemba 7: Ixesha lokubhalisa elivulekileyo lonyango.
• Jan.-Matshi 31: Uncedo lweMedicare (Icandelo C) lobhaliso oluvulekileyo.
• Epreli 1 ukuya kuJuni 30: Umntu unokongeza isicwangciso se-Medicare Advantage okanye isicwangciso se-Medicare Part D esiya kuthi siqale ukubhengezwa ngoJulayi 1.
• Umhla wokuzalwa wama-65: Uneenyanga ezintathu ngaphambi kokuba ube neminyaka engama-65, inyanga yakho yokuzalwa, kunye neenyanga ezi-3 emva kwenyanga yakho yokuzalwa ukuze ubhalisele i-Medicare.

Ukuthatha

Ezinye zeemeko zikhona xa umntu enokulungela ukufumana i-Medicare ngaphambi kweminyaka engama-65. Unyango.

Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.