Ukukhubazeka kunye nokulinda ixesha elide kuyadingeka ekubhaleni kwangaphambili kwe-Medicare
I-Medicare ayiyi kufumaneka kuninzi lwethu de sibuyele kwi-65, kodwa kwabanye abantu-abo abanokukhubazeka kwexesha elide okanye abo bafumene ukuba banezifo ezithile-I- Medicare ikhona nanini na ubudala. Akulula ukufumana.
Ukukhubazeka kwexesha elide lokujongana nokukhubazeka kudinga i-SSDI yokuqala
Ukuba unokwenza ukuba uhlupheke kwixesha elide lokukhubazeka elikuvimbela ukuba usebenze, unakho ukufaneleka kwiintlawulo zeNtsholongwane yoKhuseleko lweNtlalontle yoNyaka (SSDI), oya kuthi ufikelele ngokuzenzekelayo kwi-Medicare.
Nangona kunjalo, inokuba yinkqubo ende kwaye nangemva kokuba uvunyiwe kwi-SSDI, uya kuba nexesha elide lokulinda ngaphambi kokuba inzuzo yakho ye-Medicare iqale.
Isicelo sokukhubazeka siqala ngesicelo se-intanethi. Ukuze isicelo sakho siqwalaselwe, kufuneka ukuba usebenze iiyure ezanele ukufumana inzuzo yeNtlalo yeNtlalo, okanye ube ngumlingane okanye uxhomekeke kumntu onayo.
Inkcazo yokukhubazeka
Ulawulo loKhuseleko loLuntu (SSA) linenkcazo enzulu kakhulu yokukhubazeka. Ukufunyaniswa ukhubazekile, oku kulandelayo makube yinyani:
- Kufuneka ungenako ukwenza nayiphi na imisebenzi ebalulekileyo ngenxa yeemeko zakho zonyango; kwaye
- Isimo sakho sonyango kufuneka siphelile, okanye kulindeleke ukuba sigcine ubuncinane iminyaka engama-1, okanye kulindeleke ukuba kubangele ukufa kwakho.
Indlela yokukhawulezisa iSicelo sakho se-SSDI
Isicelo sakho se-SSDI sinokuhamba ngokukhawuleza ukuba ukhetha udokotela omnye njengomnxibelelwano okhokelayo kwimeko yakho.
Kungcono ukuhamba nomntu onamava okukhubazeka, uphendule ngokukhawuleza izicelo zeenkcukacha, kwaye uyazi imeko yakho yezempilo jikelele.
Kwakhona ingcamango enhle yokugcina igalelo lenkcazo yamava akho ngemisebenzi yansuku zonke ukuze uxwebhu, umzekelo, nayiphi na ubunzima obunakho ukuhamba okanye nayiphina imiphumo emibi echaphazelekayo kwimichiza.
Oku kuya kunceda xa uxoxwa nodliwano-ndlebe nommeli woLuntu lweNtlalo. Udliwano-ndlebe lunokuthi lwenzeke kwifowuni okanye kumntu kwiofisi yoLuntu loKhuseleko loLuntu.
I-website ye-SSA inikeza i-easy-to-use-Starter Kit Kit eyenza lula ukuquka ii-FAQ, uluhlu lokukhangela, kunye nephepha lokusebenzela ukuze uncede ulungele udliwano-ndlebe lwakho. Ungasindisa isigxina ixesha lo dliwano-ndlebe xa ugcwalisa izicelo ezifunekayo kwi-intanethi ngaphambi kokuqeshwa kwakho.
I-SSA ithi ezininzi izicelo zicutshungulwa kwiinyanga ezintathu ukuya ezintlanu. Nangona kunjalo, abaninzi abafake izicelo, ukulindela i-Medicare inzuzo sele iqalile, nangona isicelo sabo sivunyiwe.
Iimviwo zexesha lokulinda kwi-Medicare Coverage
Ngokomthetho, iintlawulo zakho ze-SSDI azikwazi ukuqala de ukukhubazeka ubuncinane kwiinyanga ezintlanu ezipheleleyo. Inkokhelo yakho iya kuqalwa ngeenyanga ezintandathu zokukhubazeka. Kwaye, ukuba uvunyiwe kwi-SSDI, kufuneka ulinde iminyaka emibili epheleleyo emva kokuba ixesha lidlulele kwi-Medicare yakho yokuqala.
I-Medicare Eligibility
Xa i- Medicare yakho iqalisa uya kulungeleka kwi- Medicare Part A-ye- hospitali kunye ne-nursing-coverage-kunye ne- Medicare Part B- ukuhanjelwa kootitshala kunye neenkonzo zonyango. Uza kufumana amakhadi e-Medicare ngeposi emva kweenyanga ezintathu phambi kwenyanga yakho yesi-25 yokukhubazeka.
Ukuba awufuni i-Medicare Part B, ungayithumela ikhadi. Ukuba ugcina ikhadi, uya kugcina iNgxenye B kwaye uza kuhlawula iiprayam zeNgxenye B.
Uya kulungeleka kwiCandelo le- Medicare Part D yesicwangciso seziyobisi . Unokujoyina isicwangciso seCandelo D ngeenyanga ezintathu ngaphambi kweenyanga ezintathu emva kwenyanga yakho yesi-25 yokukhubazeka.
Umyinge weMedigap
Umthetho waseburhulumenteni awudingi ukuba umgcini-mboleko wabucala ukuba athengise i- inshuwalense yakwaMedigap-uhlobo lokubhalwa kwintlawulo ehlawulela iinkonzo ezifanelekileyo kunye neendleko ezingaphandle kwee-payare ezingahlawulwa yi-Medicare-kubantu abangaphantsi kweminyaka engama-65, nokuba ngaba abakhubazekile.
Nangona kunjalo, amazwe angama-30 afuna iinkampani zomshuwalense ukuba zithengise umgaqo-nkqubo we- Medigap ukuba unayo i-Medicare kwaye uneminyaka engaphantsi kweminyaka engama-65, nangona abanye banciphisa ukufumaneka kwecebo kwaye kukho imithetho eyahlukileyo kubantu abanezifo zokuqhawula isifo sokugqibela (isifo sokusweleka kweengtso).
Xhagamshelana neziko lomshuwalense welizwe ukuze ufumane ukuba urhulumente wakho unemfuneko ye-Medigap kwaye ufumane imigaqo esetyenziswa kuwe.
Umngcipheko weMagarela weZifo zikaLou Gehrig okanye ukusilela kweRal-Stage
Ukuba uneminyaka engaphantsi kwama-65 kwaye sele ufumene ukuba u-amyotrophic lateral sclerosis (ALS), eyaziwa nangokuthi isifo sikaLou Gehrig, uya kuthi ufumane i-Medicare Part A kunye neNgxenye B ngenyanga inyanga zakho zokukhubazeka ziqala (emva kokuphela ixesha lokulinda inyanga ezintlanu zeenzuzo zokukhubazeka).
Ukuba unesifo se-dialysis yesifo se-renal (ESRD) sokugqibela, isibonelelo sakho se-Medicare siqala ngokuqala ngosuku lwesine lwenyanga yesifo se-dialysis. Qaphela ukuba izicwangciso ze-Medicare Advantage azifumaneki kubantu abangaphantsi kweminyaka engama-65 abhalisa kwi-Medicare njengesiphumo se-ESRD, kodwa unokukwazi ukujoyina iSicwangciso seMfuno esiPhezulu seMicroare ukuba kukho enye kwindawo yakho.
Indlela Ongayifumana Ngaphambi Kogqirha lwe-Medicare ne-ESRD
I-Medicare coverage ingaqala ngethuba lokuqala lwenyanga ye-dialysis ukuba udibana nazo zonke iimeko ezilandelayo:
- Uthatha inxaxheba kwiprogram yokuqeqeshwa kwe-dialysis yenkxaso enikezelwa yiziko loqeqesho oluvunyiweyo lweMedare ukukufundisa indlela yokunika unyango lwe-dialysis ekhaya.
- Ugqirha wakho ulindele ukuba uqedqe uqeqesho kwaye ube nako ukwenza unyango lwakho lwe-dialysis.
- Ukwenza i-dialysis yakho rhoqo kwiinyanga ezine ufanele ufanele ulinde ukufihla ukuqala.
Ulungelelaniso olunemiqathango ekhoyo
Ukuba unomxhaso-mali oxhaswe ngumqeshi okanye umanyano-mali oxhaswa ngumanyano kwaye ufanelekile kwi-Medicare ngenxa yesifo sokuphela kwesigxina, u-Medicare uya kulungelelanisa nekharityhulam yakho ekhoyo kwiinyanga ezingama-30. Ngelo xesha, i-inshurensi yakho yabucala iya kuba yinkcazo yakho yokuqala, kwaye i-Medicare iya kuthatha isabelo seendleko ezisele. Ekupheleni kweenyanga ezingama-30, ekucingeni ukuba unemiyalezo phantsi kwecwangciso lakho lempilo yeqela, liya kuba yenkxaso yesibini kunye ne-Medicare iya kuba yiprayimari.
> Imithombo:
> ALS Association. Ulwazi lwezeMpilo.
> Amasebe e-Medicare neeNkonzo zeMedicaid. Ubungakanani beDilysis yeeNtliziyo kunye neeNkonzo zokuTshintshela kweeNtshu . Ukuhlaziywa kukaJulayi 2017.
> Medicare.gov. Ndineziphene.
> Medicare.gov. Kuthekani ukuba ndinezifo zokuphela kwesigxina (ESRD)?
> Ulawulo loKhuseleko loLuntu. Oko Kufuneka Uyazi Ngaphambi kokuba Usebenzise Izibonelelo Zokukhubazeka Zentlalo .