Zvinoita Here Kuti Iyo Medicare Kumirira Nguva Yakamirirwa Kana Iwe Uine Kuremara?

Zvemukati

• Ndeipi iyo Medicare yekumirira nguva?
• Ndiani anokodzera Medicare pasi pemakore makumi matanhatu nemashanu ekuberekwa?
• Iyo Medicare yekumirira nguva yakambomiswa here?
• Nguva yekumirira kune vanhu vane ALS
• Nguva yekumirira yevanhu vane ESRD
• Ini ndinowana sei kufukidzwa panguva yekumirira?
• Chinokosha

• Iwe unozonyorwa wega muMedare kana iwe uchinge wagamuchira Social Security hurema mabhenefiti kwemwedzi makumi maviri nemana.
• Nguva yekumirira inoregererwa kana uine amyotrophic lateral sclerosis (ALS) kana yekupedzisira renal chirwere (ESRD).
• Iko hakuna Medicare yekumirira nguva kana wapfuura makore makumi matanhatu nemashanu.
• Iwe unogona kunyorera kune mamwe marudzi evhavha panguva yekumirira nguva.

Vanhu vanogashira Inishuwarenzi Yekuremara Inishuwarenzi (SSDI) vanokodzera Medicare. Muzviitiko zvakawanda, iwe unozongo nyorwa muMedicare mushure memakore maviri ekumirira nguva.

Yako Medicare kufukidza ichatanga zuva rekutanga remwedzi wako wechi25 wekugamuchira mabhenefiti. Nekudaro, kana iwe uine ALS kana ESRD, unogona kugamuchira Medicare kufukidzwa pasina iyo makore maviri ekumirira nguva.

Ndeipi iyo Medicare yekumirira nguva?

Nguva yeMedicare yekumirira inguva yemakore maviri iyo vanhu vanofanirwa kumirira vasati vanyoresa kufukidzwa kweMedicare. Nguva yekumirira ndeye chete kune avo vanogamuchira SSDI, uye haishande kana iwe uine makumi matanhatu nemashanu kana kupfuura. Vanhu veAmerica vanokodzera kunyoresa muMedare kusvika mwedzi mitatu vasati vasvitsa makore makumi matanhatu nemashanu ekuberekwa.

Izvi zvinoreva kuti kana iwe ukanyorera rubatsiro rweSSDI uye ukabvumidzwa kana uine makore makumi matanhatu nemana, mabhenefiti ako eMedare achatanga pa65, sezvavaizoita kana iwe usina kugamuchira SSDI. Zvisinei, kana iwe ukakumbira SSDI pane imwe nguva, iwe uchada kumirira makore maviri akazara.

Ndiani anokodzera Medicare pasi pemakore makumi matanhatu nemashanu ekuberekwa?

Pasinei nezera rako, unokodzera Medicare kana wanga uchigamuchira mabhenefiti eSSDI kwemwedzi makumi maviri nemana. Kuti uwane mabhenefiti, iwe unofanirwa kunyorera neSocial Security Administration (SSA). Kuremara kwako kuchazoda kusangana nezvinodiwa neSSA.

Sekureva kweSSA, hurema hwako hunoda ku:

• zvinokutadzisa kushanda
• inotarisirwa kugara kweinenge gore, kana kuverengerwa seinogumira

Iwe unozotanga iyo makore maviri ekumirira nguva kana iwe wabvumidzwa kune SSDI. Iwe unozonyoresa muMedare Chikamu A (inishuwarenzi yechipatara) uye Medicare Chikamu B (inishuwarenzi yekurapa). Iwe uchagamuchira makadhi ako eMedare uye ruzivo mune tsamba mukati memwedzi wako wechi22 webhenefiti, uye kufukidzwa kuchatanga mukati memwedzi wechi25. Semuenzaniso, kana iwe ukatenderwa SSDI muna Chikumi wa2020, yako Medicare kufukidzwa kwaizotanga muna Chikunguru 1, 2022.

Iyo Medicare yekumirira nguva yakambomiswa here?

Vazhinji vanogamuchira SSDI vanofanirwa kumirira mwedzi makumi maviri nemana pamberi pekuvharirwa kweMedare. Nekudaro, pane zvisizvo. Kune mamwe mamiriro ehupenyu anotyisidzira, iyo yekumirira nguva inomiswa uye kufukidzwa kunotanga nekukurumidza. Iwe haufanire kumirira iwo akazara makore maviri kana iwe uine ASL kana ESRD.

Nguva yekumirira kune vanhu vane ALS

ALS inozivikanwawo sehosha yaLou Gehrig. ALS chirwere chisingaperi chinotungamira mukurasikirwa nemhasuru kudzora. Iyo inodzora, zvinoreva kuti mamiriro acho anowedzera kuwedzera nekufamba kwenguva. Ikozvino hapana mushonga weALS, asi mushonga uye rubatsiro rwekutsigira runogona kusimudzira hupenyu hwehupenyu.

Vanhu vane ALS vanoda kurapwa kuti vavabatsire kurarama zvakanaka. Vanhu vazhinji vane ALS vanoda kuchengetwa kwevanamukoti vehutano hwepamba kana zvivakwa zvekuyamwisa. Sezvo chirwere ichi chichifamba nekukurumidza uye chichida kurapwa kwakanyanya, iyo Medicare yekumirira nguva yakabviswa.

Kana iwe uine ALS, iwe unenge wakanyoreswa mu Medicare kufukidza mwedzi wekutanga iwe unobvumidzwa kune SSDI.

Nguva yekumirira yevanhu vane ESRD

ESRD dzimwe nguva inonzi seyekupedzisira nhanho chirwere kana kusimbiswa kwetsvo kutadza. ESRD inoitika apo itsvo dzako dzisisiri kushanda zvakanaka zvakakwana kuti uwane zvido zvemuviri wako. ESRD ndiyo yekupedzisira mamiriro echirwere chetsvo chisingaperi. Iwe ungangozoda dialysis kurapwa paunenge uine ESRD, uye iwe unogona kutariswa nezve itsvo kuisirwa.

Iwe haufanire kumirira makore maviri azere kuti ugamuchire kufukidzwa kweMedare kana iwe uine ESRD. Yako Medicare kufukidza ichatanga zuva rekutanga remwedzi wechina weyako dialysis kurapwa. Iwe unogona kuwana kufukidzwa nekukurumidza kana mwedzi wako wekutanga wekurapa kana iwe ukapedza chirongwa cheMedicare-chakabvumidzwa chirongwa chekudzidzisa kuti uite yako wega-kumba dialysis kurapwa.

Mune zvimwe zviitiko, izvi zvinogona kureva kuti kufukidzwa kwako kuchazotanga usati waisa chikumbiro. Semuenzaniso, kana iwe uri kugamuchira dialysis kuchipatara uye unonyorera Medicare mukati memwedzi wako wechinomwe wekurapwa, Medicare inozokudzosazve iwe kufambidzana kubva kumwedzi wako wechina.

Nekudaro, iwe haugone kunyoresa muchirongwa cheMedicare Advantage ne ESRD. Kuvhara kwako kuchave kweMedicare zvikamu A uye B, kana "yekutanga Medicare."

Ini ndinowana sei kufukidzwa panguva yekumirira?

Iwe une mashoma sarudzo dzekuvhara mukati memakore maviri ekumirira nguva. Izvi zvinosanganisira:

• Kufungidzirwa kweMedicaid. Iwe unogona kungozvigadzirira wega Medicaid kana iwe uine mari shoma, zvinoenderana nemitemo yenyika yako.
• Kuvhara kubva kuInishuwarenzi Yemusika Musika. Unogona kushambadzira kufukidza uchishandisa United States Hutano Inishuwarenzi Pamusika. Iko musika weKushanda unozokufunga nezveMedicaid uye nezvikwereti zvemitero zvinogona kudzikisira mari yako.
• COBRA kufukidza. Unogona kutenga chirongwa chakapihwa newawakamboshandira. Zvisinei, iwe uchabhadhara mari yose yepayimusi kusanganisira chikamu chaibhadharwa newaunoshandira.

Chinokosha

• Medicare kufukidza inowanikwa kune vanhu vari pasi pemakumi matanhatu nemashanu vanogashira Social Security hurema mabhenefiti.
• Vanhu vazhinji vanozvinyora voga mushure memakore maviri ekumirira nguva.
• Kana iwe uine ESRD kana ALS, iyo-makore maviri ekumirira nguva icharegererwa.
• Iwe unogona kutora mukana wezvirongwa zvakaita seMedicaid, COBRA, kana Hutano Inishuwarenzi Musika kuti uwane hutano hweinishuwarenzi panguva yekumirira.