Cancantar Medicare A Shekaru 65: Shin Kun Cancanta?

Wadatacce

• Menene ƙa'idodin cancantar Medicare idan kun kasance ƙasa da 65?
• Karɓar Tsaro na Jama'a don nakasa
• Stagearshen ƙwayar koda (ESRD)
• Amyotrophic na gefe sclerosis (ALS ko cutar Lou Gehrig)
• Sauran nakasa
• Ma'auratan mutane masu shekaru 65 da haihuwa akan aikin likita
• Menene ka'idojin cancanta da aka saba don Medicare?
• Wane ɗaukar hoto Medicare ke bayarwa?
• Takeaway

Medicare shiri ne na kiwon lafiya wanda gwamnati ke daukar nauyi wanda yawanci yake ga masu shekaru 65 zuwa sama, amma akwai wasu banda. Mutum na iya cancanta ga aikin likita tun yana ƙarami idan suna da wasu larurar rashin lafiya ko tawaya.

Karanta don koyo game da wasu keɓantattun shekaru don ɗaukar lafiyar Medicare.

Menene ƙa'idodin cancantar Medicare idan kun kasance ƙasa da 65?

Abubuwan da ke biye wasu yanayi ne wanda zaku iya cancanta ga Medicare kafin shekara 65.

Karɓar Tsaro na Jama'a don nakasa

Idan ka karɓi Inshorar Rashin Lafiya na Tsaro (SSDI) na watanni 24, za a shigar da kai tsaye a cikin Medicare a kan watan 25 bayan an karɓi bincikenka na SSDI na farko.

Dangane da Cibiyoyin Kula da Lafiya da Kula da Lafiya (CMS), a cikin 2019 akwai mutane miliyan 8.6 da ke da nakasa a kan Medicare.

Stagearshen ƙwayar koda (ESRD)

Kuna iya cancanci ɗaukar aikin Medicare na farko idan kun:

• sun sami ganewar asali na gazawar koda daga wani kwararren likita
• suna kan aikin wankin koda ko dashen koda
• suna iya karɓar SSDI, Fa'idodin Ritaya na Railroad, ko cancanta ga Medicare

Dole ne ku jira watanni 3 bayan fara wankin koda na yau da kullun ko karɓar dashen koda don cancanta ga ɗaukar lafiyar Medicare.

Ba da tallafi ga waɗanda ke da nakasar rashin lafiya da kuma wasu mawuyacin yanayin kiwon lafiya ya haɓaka damar samun lafiya da rage yawan mace-macen.

Misali, kimanin mutane 500,000 da ke da Medicare suna da ESRD, a cewar wani labarin na 2017. Mai binciken ya ƙaddara cewa shirin na Medicare na ESRD yana hana mutuwar 540 daga ESRD a kowace shekara.

Amyotrophic na gefe sclerosis (ALS ko cutar Lou Gehrig)

Idan kana da ALS, zaka cancanci zuwa Medicare nan da nan bayan tattara amfanin SSDI.

ALS cuta ce mai ci gaba wacce ke buƙatar tallafi don motsi, numfashi, da abinci mai gina jiki.

Sauran nakasa

A halin yanzu, ESRD da ALS sune kawai yanayin kiwon lafiyar da suka cancanci ɗaukar aikin Medicare ba tare da tsawan lokacin jira ba.

A cewar Gidauniyar Kaiser Family Foundation, mai zuwa yanayin rarrabuwar yanayin da ya cancanci SSDI a cikin 2014:

• Kashi 34 cikin 100: matsalar tabin hankali
• 28 kashi: tsarin musculoskeletal da rikicewar nama
• Kashi 4: rauni
• Kashi 3 cikin dari: cutar kansa
• Kashi 30 cikin dari: wasu cututtuka da yanayi

Nakasa na iya shafar ikon ku na aiki da kuma samun kulawar likita da ta dace. Cancanta don Medicare na iya taimakawa, amma waɗanda ke da nakasa har yanzu suna ba da rahoton damuwa game da tsada da kuma samun kulawa, a cewar Kaiser Family Foundation.

Ma'auratan mutane masu shekaru 65 da haihuwa akan aikin likita

Tarihin aiki ɗaya daga cikin mata na iya taimaka wa ɗayan matar su sami tallafin Medicare da zarar sun cika 65.

Koyaya, abokiyar auren da ke ƙasa da shekaru 65 ba za ta iya cancanta da amfanin Medicare da wuri ba, koda kuwa babban abokin aurensu ya kai 65 ko fiye.

Ga misali: Jim da Maryamu sun yi aure. Jim yana cika shekaru 65 yayin da Mary ke shekara 60. Mary ta yi aiki na fiye da shekara 20, tana biyan harajin Medicare yayin da Jim bai yi aiki ba.

Lokacin da Jim ya cika shekaru 65, tarihin aikin Maryamu yana nufin Jim na iya cancanta ga Medicare Sashe na A kyauta kyauta. Koyaya, Maryamu ba za ta cancanci samun fa'ida ba har sai ta cika shekaru 65.

Menene ka'idojin cancanta da aka saba don Medicare?

Kuna iya cancanta don kyauta kyauta kyauta Medicare Sashe na A idan kun kasance 65 ko tsufa kuma ku (ko matar) kun yi aiki kuma sun biya harajin Medicare na aƙalla shekaru 10. Bai kamata shekarun su kasance a jere don cancanta ba.

Hakanan zaka iya cancantar Medicare yana da shekaru 65 idan kun haɗu da waɗannan ƙa'idodi masu zuwa:

• A halin yanzu kuna karɓar fa'idodin ritaya daga Gudanar da Tsaro na Tsaro ko Kwamitin Ritayar Jirgin Sama.
• Kuna iya cancanci fa'idodi daga ƙungiyoyin da ke sama amma har yanzu baku karɓa ba.
• Kai ko matarka kun kasance ma'aikacin gwamnati wanda ke cikin aikin kula da lafiya.

Har yanzu zaka iya cancanta ga Medicare Part A lokacin da ka cika shekaru 65 idan baka biya harajin Medicare ba. Koyaya, kuna iya zama alhakin biyan kuɗin kowane wata don ɗaukar hoto.

Wane ɗaukar hoto Medicare ke bayarwa?

Gwamnatin tarayya ta tsara shirin Medicare don zama kamar menu na la carte na zaɓuɓɓuka. Kowane bangare na Medicare yana ba da ɗaukar hoto don nau'ikan sabis na likita.

Misalan sun hada da:

• Sashe na A na A ya rufe asibiti da kuma ɗaukar marasa lafiya.
• Sashe na B na Medicare yana ɗaukar nauyin ziyarar likita da sabis na asibiti.
• Kashi na Medicare C (Amfanin Medicare) tsari ne na "dunkule" wanda ke samar da sassan A, B, da D.
• Sashin Kiwon Lafiya na D yana ba da izinin maganin magani.
• Shirye-shiryen kari na Medicare (Medigap) suna ba da ƙarin ɗaukar hoto don biyan kuɗi da ragi da kuma wasu ayyukan kiwon lafiya.

Wasu mutane sun zaɓi samun kowane yanki na Medicare yayin da wasu suka fi son tsarin da aka haɗa zuwa Medicare Sashe na C. Duk da haka, Medicare Sashe na C ba ya samuwa a duk sassan ƙasar.

Wasu mutane dole ne su biya hukunci idan sun yi jinkiri a cikin sabis na Medicare. Ka kiyaye waɗannan ranakun a yayin da ya shiga rajistar Medicare:

• Oktoba 15 zuwa Disamba 7: Lokacin karatun rajista na shekara-shekara.
• Janairu 1 zuwa Maris 31: Amfani da Medicare (Sashe na C) buɗe rajista.
• Afrilu 1 zuwa Yuni 30: Mutum na iya ƙara shirin Amfanin Medicare ko shirin Medicare Part D wanda zai fara ɗaukar hoto ranar 1 ga Yuli.
• Shekaru 65: Kuna da watanni 3 kafin ku cika 65, watan haihuwar ku, da watanni 3 bayan watan haihuwar ku don yin rajistar Medicare.

Takeaway

Wasu yanayi suna wanzuwa lokacin da mutum zai iya cancanta ga Medicare kafin ya kai shekaru 65. Idan kai ko ƙaunatacce an gano ku tare da rashin lafiya mai tsanani ko kuma kuna da rauni wanda zai hana ku aiki, yi magana da likitan ku game da ko lokacin da za ku iya cancanta Medicare.

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.