Ukukhubazeka nokulinda isikhathi eside kuyadingeka ekubhaleni kweMedricare ekuqaleni
I-Medicare ngeke itholakale iningi lethu kuze kube yilapho siphendukela eminyakeni engama-65, kodwa kwabanye abantu-labo abanokukhubazeka kwesikhathi eside noma labo abaye bathola ukuthi banezifo ezithile- Medicare itholakala nganoma yisiphi isikhathi. Akulula ukuthola.
Ukukhubazeka Kwesikhathi Eside Ukukhubazeka Kudinga i-SSDI Okokuqala
Uma ungase uqinisekise ukuthi uhlupheka ngenxa yokukhubazeka kwesikhathi eside okuvimbela ukuthi ungasebenzi, ungase ufanelekele izinkokhelo zomshuwalense we-Social Security Disability Insurance (SSDI) nyangazonke, okuzokwenza ngokuzenzakalelayo ulungele ukuba u-Medicare.
Kodwa-ke, kungaba yinkqubo ende futhi nangemva kokuba uvunyelwe i-SSDI, uzoba nenkathi ende yokulinda ngaphambi kokuthi izinzuzo zakho zeMedare ziqale.
Isicelo sezinzuzo zokukhubazeka siqala ngesicelo se-intanethi. Ukuze isicelo sakho sicatshangelwe, kumelwe ukuthi usebenze amahora anele ukuze uzuze izinzuzo zokuvikeleka kwezenhlalakahle, noma ube ngumlingani noma othembekile komuntu onakho.
Incazelo yokukhubazeka
I-Social Security Administration (SSA) inencazelo eqinile yokukhubazeka. Ukuze itholakale ikhubazekile, okulandelayo kufanele kube yiqiniso:
- Kumele ungakwazi ukwenza noma yimuphi umsebenzi omkhulu ngenxa yesimo sakho sempilo; futhi
- Isimo sakho sempilo (s) kumele sibe, noma kulindeleke ukuba sigcine okungenani unyaka owodwa, noma kulindeleke ukuthi kubangele ukufa kwakho.
Indlela Yokusheshisa Isicelo sakho se-SSDI
Isicelo sakho se-SSDI cishe sihamba ngokushesha uma ukhetha udokotela oyedwa njengomxhumanisi oholayo wecala lakho.
Kungcono ukuhamba nalowo onolwazi ngamacala okukhubazeka, uphendule ngokushesha izicelo zokuthola ulwazi, futhi uyazi isimo sakho sezempilo jikelele.
Kungumqondo omuhle ukugcina i-log eningiliziwe yezinto ozizwayo ngemisebenzi yansuku zonke ukuze ubhale phansi, isibonelo, noma yikuphi ubunzima obunakho nokuhamba noma yimiphi imiphumela emibi ohlangenwe nakho nemithi.
Lokhu kuzokusiza uma unombuzo wakho nommeleli ovela ku-Social Security. Ingxoxo ingenzeka efonini noma ngomuntu ehhovisi lakho lezokuphepha kwezenhlalakahle.
Iwebhusayithi ye-SSA inikeza i-Easy-to-use Starter Kit Kit efaka kalula okubandakanya ama-FAQ, uhlu lokuhlola, neshidi lokusebenzela ukukusiza ukuthi ulungele ukuxoxa kwakho. Ungalondoloza ingxenye yengxoxo uma ugcwalisa izinhlelo zokusebenza ezidingekayo ku-inthanethi ngaphambi kokuqokwa kwakho.
I-SSA ithi izinhlelo eziningi zicutshungulwa ezinyangeni ezintathu kuya kwezinhlanu. Kubo bonke abafakizicelo, noma kunjalo, ukulindela ama-Medicare izinzuzo kuqale nje, noma ngabe isicelo sabo sivunyiwe.
Izikhathi zokulinda ze-Medicare Coverage
Ngokomthetho, izinkokhelo zakho ze-SSDI azikwazi ukuqala uze ukhubaze okungenani izinyanga eziyisihlanu ezigcwele. Ukukhokha kwakho kuzovame ukuqala ngenyanga yakho yesithupha yokukhubazeka. Futhi, uma uke wamukelwa i-SSDI, kufanele ulinde iminyaka emibili ezayo ngemva kwalokho leso sikhathi sidlulela ukufakwa kwe-Medicare yakho ukuqala.
I-Medicare Elifanelekile
Uma i- Medicare yakho ikuqala uzokwazi ukuthola kokubili i- Medicare Part A- ukuhlinzekwa kwekhaya lasekhaya nakumhlengikazi-kanye ne- Medicare Part B- ukuvakashelwa nokuhlinzeka ngeziguli. Uzothola amakhadi e-Medicare encwadini izinyanga ezintathu ngaphambi kwenyanga yakho yama-25 yokukhubazeka.
Uma ungafuni Medicare Part B, ungathumela ikhadi. Uma ugcina ikhadi, uzogcina ingxenye B futhi uzokhokha izinkokhelo ze-Part B.
Uzokwazi futhi ukuthola uhlelo lweMithi ye- Medicare Part D. Ungajoyina uhlelo lwe- Part D phakathi nezinyanga ezintathu ngaphambi kwezinyanga ezintathu emva kwenyanga yakho eyi-25 yokukhubazeka.
Ukusetshenziswa kwe-Medigap
Umthetho we-Federal awudingi abaqinisekisi bendabuko ukuthi bathengise umshuwalense we-Medigap -uhlobo lokubhalwa okukhokhela izinsizakalo ezifanele kanye nezindleko ezingaphandle ezikhokhelwa yi-Medicare-kubantu abangaphansi kweminyaka engu-65, ngisho noma bekhubazekile.
Kodwa-ke, izifunda ezingu-30 zidinga izinkampani zomshuwalense ukuba zithengise inqubomgomo ye- Medigap uma une-Medicare futhi uneminyaka engaphansi kweminyaka engu-65, nakuba kukhona ukutholakala kokuhlelwa kwepulani futhi kunezinhlobo ezihlukahlukene kubantu abanezifo zokuqeda izintambo (ukuhluleka kwezinso).
Thintana ne-ejensi yomshuwalense wombuso ukuze uthole ukuthi ngabe isimo sakho sinesidingo se-Medigap futhi sinquma imithetho esebenza kuwe.
I-Medicare Coverage for Izifo zikaLou Gehrig noma Ukuhluleka Kwezintambo Zomthofu Ekugcineni
Uma uneminyaka engaphansi kwengu-65 futhi uthola ukuthi une-amyotrophic lateral sclerosis (ALS), eyaziwa nangokuthi isifo sikaLou Gehrig, uzothola i-Medicare Part A ne-Part B inyanga ngenyanga izinzuzo zakho zokukhubazeka ziqala (ngemuva kokuphela izinyanga ezinhlanu zokulinda izinzuzo zokukhubazeka).
Uma uthola i-dialysis yesifo sokuqeda isiteji sokuphela (isigaba se-ESRD), ukusabalala kwakho kweMedare ngokuvamile kuqala usuku lokuqala lwenyanga yesine yokwelashwa kwe-dialysis. Qaphela ukuthi izinhlelo ze-Medicare Advantage ngokuvamile ayitholakali kubantu abangaphansi kweminyaka engama-65 abhalisa ku-Medicare njengomphumela we-ESRD, kodwa ungakwazi ukujoyina uhlelo lweMedricare Special Needs uma kukhona omunye endaweni yakho.
Indlela Ongayithola Ngaphambi Kokugula Kwemithi Nge-ESRD
Ukwelashwa kweMedarenga kungaqala ngenyanga yokuqala ye-dialysis uma uhlangabezana nazo zonke izimo ezilandelayo:
- Uhlanganyela ohlelweni lokuqeqeshwa kwe-dialysis olunikezwa isikhungo sokuqeqeshwa sama-Medicare ukuze sikufundise indlela yokuzinikela ngayo ukwelashwa kwe-dialysis ekhaya.
- Udokotela wakho ulindele ukuthi uqedele ukuqeqeshwa futhi ukwazi ukwenza izinyathelo zakho zokwelapha nge-dialysis.
- Wenza i-dialysis yakho ejwayelekile phakathi nezinyanga ezine ongadingeka ukuthi ulinde ukuqala ukuqala.
Ukubambisana Ngendlela Ekhona
Uma unomshuwalense oxhaswe ngumqashi noma owenzelwe inyunyana futhi ufanelekile ku-Medicare ngenxa yesifo sokuqeda isiteleka sokuphela, uMedare uzoxhumanisa nokukhokha kwakho okukhona kwezinyanga ezingu-30. Phakathi naleso sikhathi, umshuwalense wakho wangasese uzoba ukukhishwa kwakho okuyinhloko, kanti uMedare uzothatha ingxenye yezindleko ezisele. Ekupheleni kwezinyanga ezingu-30, esicabanga ukuthi usenayo isabelo ngaphansi kwehlelo lakho lempilo yeqembu, iyoba yesikhombandlela sesibili kanti iMedare izoba eyinhloko.
> Imithombo:
> ALS Association. Ulwazi lwe-Medicare.
> Amasevisi e-Medicare naseMedicaid Services. Ukutholakala kwe-Kidney Dialysis kanye nezinsizakalo zokuthutha izinso . Kubuyekezwe ngo-July 2017.
> Medicare.gov. Nginokukhubazeka.
> Medicare.gov. Kuthiwani uma nginezifo zesifo sokuqeda isisu (ESRD)?
> Ukuphathwa Kwezokuphepha Komphakathi. Okufanele Ukwazi Ngaphambi Kokufaka Isicelo Sokukhubazeka Kwezenhlalakahle Zokukhubazeka .