Ngaba kunokwenzeka ukuba ixesha lokuLinda iMedare liyalindwa ukuba ukhubazekile?

Umxholo

• Lithini ixesha lokulinda lonyango?
• Ngubani ofanelekileyo kwi-Medicare phantsi kweminyaka engama-65?
• Ngaba ixesha lokulinda lonyango liye lakhutshwa?
• Ixesha lokulinda labantu abane-ALS
• Ixesha lokulinda labantu abane-ESRD
• Ndilufumana njani ukhuseleko ngexesha lokulinda?
• Umgca wezantsi

• Uya kubhaliswa ngokuzenzekelayo kwi-Medicare xa sele ufumene izibonelelo zokukhubazeka koKhuseleko lweNtlalo kwiinyanga ezingama-24.
• Ixesha lokulinda liyarhoxiswa ukuba une-amyotrophic lateral sclerosis (ALS) okanye isifo sesibindi sokugqibela (ESRD).
• Akukho xesha lokulinda leMedicare ukuba ungaphezulu kweminyaka engama-65.
• Unokufaka isicelo kwezinye iintlobo zokugubungela ngexesha lokulinda.

Abantu abafumana i-Inshurensi yokuKhubazeka kwezeNtlalontle (i-SSDI) banelungelo lokufumana iMedicare. Kwiimeko ezininzi, uya kubhaliswa ngokuzenzekelayo kwi-Medicare emva kwexesha lokulinda leminyaka emibini.

Ukhuselo lwakho lweMedare luya kuqala usuku lokuqala lwenyanga yakho yama-25 yokufumana izibonelelo. Nangona kunjalo, ukuba unayo i-ALS okanye i-ESRD, unokufumana i-Medicare yokugubungela ngaphandle kwexesha lokulinda leminyaka emibini.

Lithini ixesha lokulinda lonyango?

Ixesha lokulinda le-Medicare lixesha leminyaka emibini abantu kufuneka balinde ngaphambi kokuba babhalise kwi-Medicare. Ixesha lokulinda lelabo bafumana i-SSDI kuphela, kwaye ayisebenzi ukuba uneminyaka engama-65 okanye ngaphezulu. Abantu baseMelika banelungelo lokubhalisa kwi-Medicare ukuya kuthi ga kwiinyanga ezintathu ngaphambi kokuzalwa kwabo kwama-65.

Oku kuthetha ukuba ukuba ufaka isicelo sezibonelelo ze-SSDI kwaye uvunyiwe xa uneminyaka engama-64, izibonelelo zakho zeMedicare ziya kuqala nge-65, kanye njengokuba bebeya kuba nazo xa ungakhange ufumane i-SSDI. Nangona kunjalo, ukuba ufaka isicelo se-SSDI ngalo naliphi na elinye ixesha, kuya kufuneka ulinde iminyaka emibini epheleleyo.

Ngubani ofanelekileyo kwi-Medicare phantsi kweminyaka engama-65?

Nokuba ungakanani na ubudala, uvumelekile kwi-Medicare ukuba ubunokufumana izibonelelo ze-SSDI kangangeenyanga ezingama-24. Ukuze ufumane izibonelelo, kuya kufuneka ufake isicelo kuLawulo loKhuseleko loLuntu (SSA). Ukukhubazeka kwakho kuya kufuneka kuhlangane neemfuno ze-SSA.

Ngokwe-SSA, ukukhubazeka kwakho kufuneka:

• kukugcine ekusebenzeni
• kulindeleke ukuba ihlale okungenani unyaka, okanye ihlelwe njenge-terminal

Uya kuqala ixesha lokulinda leminyaka emibini xa sele uvunyiwe kwi-SSDI. Uya kubhaliswa kwi-Medicare Part A (i-inshurensi yesibhedlele) kunye ne-Medicare Part B (i-inshurensi yezonyango). Uya kufumana amakhadi akho e-Medicare kunye nolwazi ngeposi ngexesha lenyanga yakho ye-22nd yezibonelelo, kwaye ukogquma kuya kuqala ngenyanga ye-25. Umzekelo, ukuba uvunyiwe kwi-SSDI ngoJuni ka-2020, i-Medicare yakho yokugubungela iya kuqala ngoJulayi 1, 2022.

Ngaba ixesha lokulinda lonyango liye lakhutshwa?

Uninzi lwabamkeli be-SSDI kufuneka balinde iinyanga ezingama-24 ngaphambi kokuba i-Medicare iqale. Nangona kunjalo, kukho iimeko ezizodwa. Kwezinye iimeko ezisongela ubomi, ixesha lokulinda liyarhoxiswa kwaye ukugubungela kuqala kwangoko. Awudingi ukulinda iminyaka emibini epheleleyo ukuba unayo i-ASL okanye i-ESRD.

Ixesha lokulinda labantu abane-ALS

I-ALS ikwabizwa ngokuba sisifo sikaLou Gehrig. I-ALS yimeko engapheliyo ekhokelela ekuphulukaneni nolawulo lwezihlunu. Iyancipha, oku kuthetha ukuba imeko iya isiba mandundu ngokuhamba kwexesha. Okwangoku alukho unyango lwe-ALS, kodwa amayeza kunye nokhathalelo oluxhasayo lunokuphucula umgangatho wobomi.

Abantu abane-ALS bafuna unyango ukuze babancede baphile kamnandi. Abantu abaninzi abane-ALS bafuna ukhathalelo lwabongikazi bezempilo basekhaya okanye amaziko onesi. Kuba esi sifo sihamba ngokukhawuleza kwaye sidinga unyango oluninzi, ixesha lokulinda leMedicare liyarhoxiswa.

Ukuba unayo i-ALS, uya kubhaliswa kwi-Medicare yokugubungela inyanga yokuqala uvunyiwe kwi-SSDI.

Ixesha lokulinda labantu abane-ESRD

Ngamanye amaxesha i-ESRD ibizwa ngokuba sisifo se-renal sokugqibela okanye ukusilela kwezintso. I-ESRD yenzeka xa izintso zakho zingasasebenzi kakuhle ngokwaneleyo ukuhlangabezana neemfuno zomzimba wakho. I-ESRD yimeko yokugqibela yesifo sezintso ezingapheliyo. Uya kudinga unyango lwe-dialysis xa une-ESRD, kwaye unokuqwalaselwa ukufakelwa kwezintso.

Awudingi ukulinda iminyaka emibini epheleleyo ukuze ufumane ukhuseleko kwi-Medicare ukuba une-ESRD. Ukukhutshwa kwe-Medicare yakho kuya kuqala ngosuku lokuqala lwenyanga yesine yonyango lwakho lwe-dialysis. Unokufumana ingxelo ngokukhawuleza kwinyanga yokuqala yonyango ukuba ugqibezela inkqubo yoqeqesho evunyiweyo ye-Medicare yokwenza unyango lwasekhaya lwe-dialysis.

Ngamanye amaxesha, oku kunokuthetha ukuba ukhuselo lwakho luya kuqala ngaphambi kokuba ufake isicelo. Umzekelo, ukuba ufumana i-dialysis kwiziko lonyango kwaye ufake isicelo se-Medicare kwinyanga yesixhenxe yonyango, i-Medicare iya kukugubungela ngokubuyela kwinyanga yakho yesine.

Nangona kunjalo, ngekhe ubhalise kwisicwangciso seMedicare Advantage ne-ESRD. Inkcazo yakho iya kuba ngamalungu e-Medicare A kunye no-B, okanye "yiMedicare yoqobo."

Ndilufumana njani ukhuseleko ngexesha lokulinda?

Unokukhetha ezimbalwa zokugubungela kwisithuba seminyaka emibini yokulinda. Oku kubandakanya:

• Inkcazo yeMedicaid. Unokuzilungela ngokuzenzekelayo kwiMedicaid ukuba unengeniso encinci, kuxhomekeke kwimigaqo-nkqubo yelizwe lakho.
• Umyinge ovela kwindawo yentengiso ye-Inshurensi yezeMpilo. Ungathenga ukogquma usebenzisa iMarike ye-Inshurensi yezeMpilo eMelika. Isicelo seMakethi siya kuqwalasela iMedicaid kunye neekhredithi zerhafu ezinokunciphisa iindleko zakho.
• Ukufakwa kwe COBRA. Ungathenga isicwangciso esibonelelwa ngumqeshi wakho wangaphambili. Nangona kunjalo, uya kuhlawula yonke imali yepremiyamu kubandakanya nenxalenye ebihlawulwa ngumqeshi wakho.

Umgca wezantsi

• Ukufakwa kwe-Medicare kuyafumaneka kubantu abangaphantsi kwama-65 abafumana izibonelelo zoKhuseleko loLuntu.
• Uninzi lwabantu lubhalise ngokuzenzekelayo emva kweminyaka emibini yokulinda.
• Ukuba unayo i-ESRD okanye i-ALS, ixesha lokulinda leminyaka emibini liya kurhoxiswa.
• Ungazisebenzisa iinkqubo ezinje ngeMedicaid, i-COBRA, okanye iMarike ye-Inshurensi yezeMpilo ukuze ufumane i-inshurensi yezempilo ngexesha lokulinda.