Shin Zai Yiwu a Raba Lokacin Jiraye Idan Kina da Rashin Lafiya?

Wadatacce

• Menene lokacin jiran Medicare?
• Wanene ya cancanci Medicare a ƙarƙashin shekara 65?
• Shin an taɓa barin lokacin jiran Medicare?
• Lokacin jiran mutane masu ALS
• Lokacin jiran mutane tare da ESRD
• Ta yaya zan sami ɗaukar hoto yayin lokacin jira?
• Layin kasa

• Za ku shiga cikin Medicare ta atomatik da zarar kun sami fa'idodin nakasa ta Social Security na tsawon watanni 24.
• An yafe lokacin jira idan kana da cutar amyotrophic lateral sclerosis (ALS) ko ƙarshen cutar koda (ESRD).
• Babu lokacin jiran Medicare idan ka wuce shekaru 65.
• Zaka iya amfani da wasu nau'in ɗaukar hoto yayin lokacin jira.

Mutanen da suka karɓi inshorar nakasa na Social Security (SSDI) sun cancanci Medicare. A mafi yawan lokuta, za a sanya ku kai tsaye a cikin Medicare bayan tsawon jiran shekara biyu.

Rukunan ku na Medicare zasu fara ranar farko ta watan 25 na karɓar fa'idodi. Koyaya, idan kuna da ALS ko ESRD, zaku iya karɓar ɗaukar aikin Medicare ba tare da lokacin jiran shekaru biyu ba.

Menene lokacin jiran Medicare?

Lokacin jiran Medicare shine shekaru biyu da mutane suke bukatar jira kafin su shiga aikin kula da lafiya. Lokacin jiran ne kawai ga waɗanda ke karɓar SSDI, kuma ba ya amfani idan kun kasance 65 ko fiye. Amurkawa sun cancanci yin rajista a Medicare har zuwa watanni uku kafin ranar haihuwarsu ta 65.

Wannan yana nufin cewa idan kun nemi fa'idodin SSDI kuma an yarda da ku lokacin da kuke 64, amfanin ku na Medicare zai fara ne daga 65, kamar yadda zasu samu idan baku karɓi SSDI ba. Koyaya, idan kun nemi SSDI a kowane lokaci, kuna buƙatar jira cikakkun shekaru biyu.

Wanene ya cancanci Medicare a ƙarƙashin shekara 65?

Komai yawan shekarunka, kun cancanci Medicare idan kuna karɓar fa'idodin SSDI tsawon watanni 24. Domin samun fa'idodi, kuna buƙatar nema tare da Social Security Administration (SSA). Rashin lafiyar ku zai buƙaci biyan bukatun SSA.

A cewar SSA, nakasar ku na bukatar:

• hana ku aiki
• ana tsammanin zai ɗauki aƙalla shekara guda, ko kuma a sanya shi a matsayin m

Za ku fara lokacin jiran shekaru biyu da zarar an amince da ku don SSDI. Za ku shiga cikin Medicare Sashe na A (inshorar asibiti) da Medicare Sashe na B (inshorar likita). Za ku karɓi katunan ku na Medicare da bayani a cikin wasiƙa a cikin watannin ku na 22 na fa'idodin, kuma ɗaukar hoto zai fara a cikin watan 25th. Misali, idan aka amince maka don SSDI a watan Yuni na 2020, aikinka na Medicare zai fara ne a ranar 1 ga Yuli, 2022.

Shin an taɓa barin lokacin jiran Medicare?

Yawancin masu karɓar SSDI suna buƙatar jira watanni 24 kafin farawar Medicare. Koyaya, akwai wasu banda. Don wasu yanayi masu barazanar rai, ana barin lokacin jiran kuma fara aiki da sauri. Ba zaku buƙatar jira cikakkun shekaru biyu ba idan kuna da ASL ko ESRD.

Lokacin jiran mutane masu ALS

Ana kuma san ALS da cutar Lou Gehrig. ALS wani mummunan yanayi ne wanda ke haifar da asarar sarrafa tsoka. Yana da degenerative, wanda ke nufin yanayin ya zama mafi muni a tsawon lokaci. A halin yanzu babu magani ga ALS, amma magani da kulawa na goyan baya na iya inganta rayuwar.

Mutanen da ke da ALS suna buƙatar kulawar likita don taimaka musu su rayu cikin kwanciyar hankali. Mutane da yawa tare da ALS suna buƙatar kulawa da ma'aikatan jinya na gida ko wuraren jinya. Tunda wannan cutar ta motsa cikin sauri kuma tana buƙatar kulawa da lafiya sosai, an yafe lokacin jiran Medicare.

Idan kana da ALS, za a sanya ka a cikin aikin Medicare a watan farko da aka yarda da kai don SSDI.

Lokacin jiran mutane tare da ESRD

ESRD wani lokaci ana kiransa azaman matakin ƙarshen ƙwayar koda ko rashin nasarar koda. ESRD yana faruwa ne lokacin da kodanku basa aiki sosai yadda yakamata don biyan bukatun jikinku. ESRD shine jihar ƙarshe na cutar koda mai tsanani. Wataƙila kuna buƙatar maganin dialysis lokacin da kuke da ESRD, kuma ana iya la'akari da ku don dashen koda.

Ba kwa buƙatar jira tsawon shekaru biyu don karɓar ɗaukar hoto na Medicare idan kuna da ESRD. Rikicin ku na Medicare zai fara ranar farko ta watan huɗu na maganin ku na asibiti. Kuna iya samun ɗaukar hoto da zaran watanku na farko na jinya idan kun kammala shirin horarwa na Medicare don yin aikinku na maganin wankin cikin gida.

A wasu lokuta, wannan na iya nufin ɗaukar hoto zai fara farawa da gaske kafin nema. Misali, idan kana karbar dialysis a wata cibiyar kiwon lafiya kuma ka nemi Medicare a cikin watanka na bakwai na jinya, Medicare zata iya rufe maka tun daga watanka na hudu.

Koyaya, baza ku iya yin rajista a cikin shirin Amfani da Medicare tare da ESRD ba. Coverageaukar aikin ku zai zama sassan Medicare A da B, ko kuma "ainihin Medicare."

Ta yaya zan sami ɗaukar hoto yayin lokacin jira?

Kuna da 'yan zaɓuɓɓuka don ɗaukar hoto yayin lokacin jiran shekaru biyu. Wadannan sun hada da:

• Kulawa da Medicaid. Kuna iya cancanta ta atomatik don Medicaid idan kuna da karancin kuɗin shiga, ya dogara da manufofin jihar ku.
• Coaukar hoto daga Kasuwar Inshorar Lafiya. Kuna iya siyayya don ɗaukar hoto ta amfani da Kasuwar Inshorar Kiwon Lafiya ta Amurka. Aikace-aikacen Kasuwa zaiyi la'akari da ku don Medicaid da kuma kuɗin kuɗin haraji wanda zai iya rage farashin ku.
• COBRA ɗaukar hoto. Kuna iya siyan shirin da mai aikinku na baya ya bayar. Koyaya, zaku biya duk adadin kuɗin har da ɓangaren da mai aikinku yake biya.

Layin kasa

• Akwai shirin ɗaukar marasa lafiya ga peoplean ƙasa da shekaru 65 waɗanda ke karɓar fa'idodin nakasa ta Social Security.
• Yawancin mutane suna rajista ta atomatik bayan lokacin jiran shekaru biyu.
• Idan kana da ESRD ko ALS, za a yafe lokacin jiran shekara biyu.
• Kuna iya amfani da shirye-shirye kamar Medicaid, COBRA, ko Kasuwar Inshorar Kiwan lafiya don samun inshorar kiwon lafiya a lokacin jiran.