Medicare Eligibility Under Age 65: Unokodzera Here?

Zvemukati

• Ndeipi mitemo yekukodzera Medicare kana iwe uri pasi pemakore makumi matanhatu nemashanu?
• Kugamuchira Kuchengetedzwa Kwemagariro nehurema
• Kupera nhanho renal chirwere (ESRD)
• Amyotrophic lateral sclerosis (ALS kana chirwere chaLou Gehrig)
• Humwe hurema
• Vakaroorana vevanhu makumi matanhatu nemashanu uye vakuru paMedare
• Ndeipi mitemo yakajairwa yekukodzera yeMedare?
• Ndeipi kufukidza iyo Medicare inopa?
• Kutora

Medicare chirongwa chinotsigirwa nehurumende chekuchengetedza hutano icho chinowanzoitika kune avo vane makore makumi matanhatu nemashanu zvichikwira, asi kune zvimwe zvisaririra. Munhu anogona kukodzera Medicare pazera diki kana aine mamwe marapirwo kana hurema.

Verenga pamusoro kuti udzidze nezve mamwe emakore kusarudzika kweMedare kufukidzwa.

Ndeipi mitemo yekukodzera Medicare kana iwe uri pasi pemakore makumi matanhatu nemashanu?

Izvi zvinotevera mimwe mamiriro ezvinhu maunokwanisa kukodzera Medicare usati wasvika makore makumi matanhatu nemashanu.

Kugamuchira Kuchengetedzwa Kwemagariro nehurema

Kana iwe wakagamuchira Social Security Disability Insurance (SSDI) kwemwedzi makumi maviri nemana, iwe unozongo nyorwa muMedicare nemwedzi wechi25 mushure mekunge cheki yako yekutanga yeSSDI yagamuchirwa.

Maererano neCenters for Medicare & Medicaid Services (CMS), muna2019 pakanga paine vanhu vanosvika miriyoni 8.6 vakaremara paMedicare.

Kupera nhanho renal chirwere (ESRD)

Iwe unokwanisa kukodzera kutanga Medicare kufukidzwa kana iwe:

• vakagamuchira kuongororwa kweitsvo kukundikana kubva kuna chiremba
• vari pane dialysis kana kuve neitsvo yekuisira
• vanokwanisa kugamuchira SSDI, Railroad Retirement mabhenefiti, kana kukodzera Medicare

Iwe unofanirwa kumirira mwedzi mitatu mushure mekutanga wenguva dzose dialysis kana kugashira itsvo kuisirwa kuti ukwanise kufukidzwa kweMedare.

Kupa kufukidza kune avo vane hurema hwekurapa uye mamwe mamiriro ehutano husingaperi akawedzera mukana wekuwana hutano uye kwakaderedza huwandu hwevakafa.

Semuenzaniso, inofungidzirwa vanhu mazana mashanu ezviuru vane Medicare vane ESRD, maererano nechinyorwa cha2017. Muongorori akafunga kuti chirongwa cheESRD Medicare chinodzivirira vanosvika mazana mashanu nemakumi mashanu vakafa kubva kuESRD pagore.

Amyotrophic lateral sclerosis (ALS kana chirwere chaLou Gehrig)

Kana iwe uine ALS, iwe unokwanisa kukodzera Medicare nekukurumidza mushure mekutora SSDI mabhenefiti.

ALS chirwere chinofambira mberi chinowanzoda rutsigiro rwekufamba, kufema, uye chikafu.

Humwe hurema

Parizvino, ESRD uye ALS ndiyo chete mamiriro ekurapa ayo anokodzera kufukidzwa kweMedare pasina nguva yakareba yekumirira.

Sekureva kweKaiser Family Foundation, zvinotevera kuparara kwemamiriro akakodzera SSDI muna 2014:

• 34 muzana: hutano hwepfungwa
• 28 muzana: musculoskeletal system uye inobatanidza matissue kusagadzikana
• 4 muzana: kukuvara
• 3 muzana: kenza
• 30 muzana: zvimwe zvirwere nemamiriro

Kuremara kunogona kukanganisa kugona kwako kushanda uye kuwana kurapwa kwakakodzera. Kufanirwa kweMedare kunogona kubatsira, asi avo vakaremara vachiri kuzivisa kunetseka pamusoro pemutengo uye mukana wekutarisirwa, sekureva kweKaiser Family Foundation.

Vakaroorana vevanhu makumi matanhatu nemashanu uye vakuru paMedare

Nhoroondo yekushanda yemumwe mukadzi inogona kubatsira mumwe mukadzi kuwana Medicare kufukidza kana vangosvitsa makore makumi matanhatu nemashanu.

Nekudaro, mukadzi kana murume ari pasi pemakumi matanhatu nemashanu haakwanise kuwana mabhenefiti ekutanga eMedare, kunyangwe kana murume wavo mukuru aine makore makumi matanhatu nemashanu kana kudarika.

Heino muenzaniso: Jim naMary vakaroora. Jim ari kusvitsa makore makumi matanhatu nemashanu uye Mary ane makumi matanhatu. Mary akashanda kweanopfuura makore makumi maviri, achibhadhara mitero yeMedare panguva iyo Jim aisashanda.

Jim paanosvitsa makore makumi matanhatu nemashanu, nhoroondo yebasa raMary zvinoreva kuti Jim anokwanisa kuwana Medicare Chikamu A mabhenefiti emahara. Zvisinei, Mary haakwanise kuwana mabhenefiti kusvikira asvitsa makore makumi matanhatu nemashanu.

Ndeipi mitemo yakajairwa yekukodzera yeMedare?

Unogona kukodzera kuwana premium-yemahara Medicare Chikamu A kana iwe uine makumi matanhatu nemashanu kana kupfuura uye iwe (kana mumwe wako) wakashanda uye wakabhadhara Medicare mutero kweanenge makore gumi 'nguva. Makore haafanire kuve akateedzana kuti akwanise.

Iwe unogona zvakare kukodzera Medicare pazera remakore makumi matanhatu nemashanu kana ukasangana nezvinotevera zvinotevera:

• Parizvino urikugamuchira mabhenefiti emudyandigere kubva kuSocial Security Administration kana Railroad Retirement Board.
• Iwe unogona kuve unokodzera mabhenefiti kubva kumasangano ari pamusoro asi usati uchiagamuchira.
• Iwe kana wako wawakanga uri mushandi wehurumende akafukidzwa neMedare.

Iwe unogona achiri kukodzera Medicare Chikamu A kana iwe uchinge wasvitsa makore makumi matanhatu nemashanu kana usina kubhadhara Medicare mutero. Zvisinei, iwe unogona kunge uine basa rekubhadhara mari yemwedzi pamwedzi yekuvhara.

Ndeipi kufukidza iyo Medicare inopa?

Hurumende yemubatanidzwa yakagadzira chirongwa cheMedare kuti chive senge re la carte menyu yesarudzo. Chikamu chimwe nechimwe cheMedare chinopa kufukidzwa kwemhando dzakasiyana dzehutano.

Mienzaniso inosanganisira:

• Medicare Chikamu A chinovhara chipatara uye inpatient kufukidza.
• Medicare Chikamu B chinofukidza kushanya kwekurapa kufukidza uye zvekurapa zvevarapi vekunze
• Medicare Chikamu C (Medicare Advantage) chirongwa che "bundled" chinopa zvikamu A, B, uye D masevhisi.
• Medicare Chikamu D inopa inonyorera mishonga yekuvhara.
• Medicare yekuwedzera zvirongwa (Medigap) inopa kumwe kufukidzwa kwemakopayment uye zvakabviswa pamwe nemamwe marapirwo.

Vamwe vanhu vanosarudza kuwana yega yega chikamu cheMedicare nepo vamwe vachisarudza nzira yakasungwa kune Medicare Chikamu C. Zvisinei, Medicare Chikamu C hachiwanikwe munzvimbo dzese dzenyika.

Vamwe vanhu vanofanirwa kubhadhara zvikwereti kana vakanyoresa kunonoka kumasevhisi eMedare. Chengeta mazuva aya mupfungwa kana zvasvika kunyoresa kweMedare:

• Gumiguru 15 kusvika Zvita 7: Gore negore Medicare yakavhurika kunyoresa nguva.
• Ndira 1 kusvika Kurume 31: Medicare Kubatsira (Chikamu C) kunyoresa kuvhura.
• Kubvumbi 1 kusvika Chikumi 30: Munhu anogona kuwedzera chirongwa cheMedicare Advantage kana chirongwa cheMedare Chikamu D icho chichatanga kufukidza musi waChikunguru.
• 65th zuva rekuzvarwa: Iwe une mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu, mwedzi wako wekuzvarwa, uye mwedzi mitatu mushure memwedzi wako wekuzvarwa kuti unyore kuMedare.

Kutora

Mamwe mamiriro ezvinhu aripo apo munhu anokwanisa kukodzera Medicare asati ave nemakore makumi matanhatu nemashanu. Kana iwe kana munhu waunoda akaonekwa kuti ane hutano husingaperi kana kukuvara kunoita kuti usashande, taura nachiremba wako nezvekuti kana ungakwanise Medicare.

Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.