Medicare Muaj Peev Xwm Muaj Hnub Nyoog 65: Koj Puas Tsim Nyog?

Zoo Siab

• Cov cai rau kev tsim nyog tau txais Medicare yog tias koj muaj hnub nyoog 65 xyoos?
• Tau txais Xaus Saus rau xiam oob qhab
• Kab mob raum ntu kawg (ESRD)
• Amyotrophic lateral sclerosis (ALS lossis Lou Gehrig's disease)
• Lwm qhov kev tsis taus
• Cov txij nkawm ntawm cov neeg 65 xyoos thiab laus dua rau Medicare
• Txoj cai kev tsim nyog tau txais li cas rau Medicare?
• Cov kev pab them nqi kho mob Medicare them dab tsi?
• Cov nqa mus

Medicare yog tsoomfwv ib txoj kev pabcuam kev noj qab haus huv uas feem ntau rau cov hnub nyoog 65 thiab laus dua, tab sis muaj qee qhov tsis suav. Ib tus neeg tej zaum yuav tsim nyog rau Medicare thaum lawv tseem hluas dua yog tias lawv muaj qee yam mob lossis kev tsis taus.

Nyeem rau kom paub txog qee qhov kev zam lub hnub nyoog rau cov ntawv kho mob Medicare.

Cov cai rau kev tsim nyog tau txais Medicare yog tias koj muaj hnub nyoog 65 xyoos?

Cov hauv qab no yog qee qhov xwm txheej uas koj yuav tsim nyog rau Medicare ua ntej hnub nyoog 65 xyoos.

Tau txais Xaus Saus rau xiam oob qhab

Yog tias koj tau txais Nyiaj Pov Hwm Xaus Saus Tsis Kam Pab Nyiaj Xiam Oob Qhab (SSDI) tau 24 lub hlis, koj yuav cuv npe nkag rau Medicare nyob rau 25 lub hli tom qab koj tau txais daim tshev SSDI thawj zaug.

Raws li Lub Chaw Rau Medicare & Medicaid Cov Kev Pabcuam (CMS), nyob rau xyoo 2019, muaj txog 8.6 lab tus tib neeg muaj mob xiam oob qhab ntawm Medicare.

Kab mob raum ntu kawg (ESRD)

Koj tuaj yeem tsim nyog rau Medicare kev pab them nyiaj thaum ntxov yog tias koj:

• tau txais kev kuaj mob lub raum tsis ua haujlwm los ntawm kws kho mob
• yog nyob rau lim ntshav lossis tau hloov raum
• muaj peev xwm tau txais SSDI, Railroad Retirement cov txiaj ntsig nyiaj txiag, lossis tsim nyog tau txais Medicare

Koj yuav tsum tos 3 lub hlis tom qab pib lim ntshav tas li lossis tau txais raum hloov raum kom tsim nyog rau kev pab them Medicare.

Muab kev pab them nqi rau cov neeg xiam oob khab kho mob thiab qee qhov mob nyhav tau ua kom kev saib xyuas kev noj qab haus huv tsawg dua thiab txo cov neeg tuag.

Piv txwv li, kwv yees li ntawm 500,000 cov neeg uas tau txais Medicare muaj ESRD, raws li tsab xov xwm 2017. Tus kws tshawb fawb txiav txim siab tias ESRD Medicare kev pab cuam tiv thaiv txog li 540 tus neeg tuag los ntawm ESRD ib xyoos twg.

Amyotrophic lateral sclerosis (ALS lossis Lou Gehrig's disease)

Yog tias koj muaj ALS, koj yuav tsim nyog rau Medicare tam sim ntawd tom qab khaws cov txiaj ntsig SSDI.

ALS yog ib tus kab mob uas vam meej uas feem ntau xav tau kev txhawb nqa rau kev mus ncig, ua pa, thiab khoom noj khoom haus.

Lwm qhov kev tsis taus

Tam sim no, ESRD thiab ALS tsuas yog cov kev kho mob nkaus xwb uas tsim nyog rau kev pab them kev kho mob Medicare tsis muaj caij tos.

Raws li Kaiser Family Foundation, hauv qab no yog cov kev cai uas cuam tshuam rau SSDI hauv xyoo 2014:

• 34 feem pua: kev puas siab puas ntsws mob
• 28 feem pua: cov leeg lub cev thiab cov leeg mob tsis zoo
• 4 feem pua: kev raug mob
• 3 feem pua: mob cancer
• 30 feem pua: lwm yam mob thiab lwm yam mob

Kev tsis taus yuav cuam tshuam koj lub peev xwm ua haujlwm thiab tau txais kev kho mob kom tsim nyog. Tsim nyog rau Medicare tuaj yeem pab tau, tab sis cov neeg xiam oob qhab tseem qhia txog kev txhawj xeeb txog tus nqi thiab nkag mus rau kev saib xyuas, raws li Kaiser Family Foundation.

Cov txij nkawm ntawm cov neeg 65 xyoos thiab laus dua rau Medicare

Ib tug txij nkawm keeb kwm ua haujlwm tuaj yeem pab tus txij nkawm tau txais kev pab them nqi Medicare thaum lawv muaj 65 xyoos.

Txawm li cas los xij, tus txij nkawm uas hluas dua 65 xyoo yuav tsis tsim nyog tau txais cov txiaj ntsig Medicare ua ntej, txawm hais tias lawv tus txij nkawm laus muaj hnub nyoog 65 xyoos lossis laus dua.

Nov yog piv txwv: Jim thiab Mary tau sib yuav. Jim muaj hnub nyoog 65 xyoos thiab Maivliag yog 60. Mary ua haujlwm tau ntau tshaj 20 xyoo, them se rau Medicare thaum Jim tsis ua haujlwm.

Thaum Jim muaj hnub nyoog 65 xyoos, Niamlaus keeb kwm ua haujlwm txhais tau tias Jim tuaj yeem tsim nyog rau Medicare Tshooj A cov txiaj ntsig pub dawb. Txawm li cas los xij, Mary tsis tuaj yeem tsim nyog rau cov txiaj ntsig kom txog thaum nws muaj 65 xyoos.

Txoj cai kev tsim nyog tau txais li cas rau Medicare?

Koj tuaj yeem tsim nyog rau Medicare Seem A-dawb yog tias koj muaj 65 xyoos lossis laus dua thiab koj (lossis koj tus txij nkawm) tau ua haujlwm thiab them Medicare se tsawg kawg yog 10 xyoo 'sijhawm. Lub xyoo tsis tas yuav tsum sib law liag thiaj tsim nyog tau.

Koj tseem tuaj yeem tsim nyog rau Medicare thaum hnub nyoog 65 yog tias koj muaj raws li cov hauv qab no:

• Tam sim no koj tau txais nyiaj laus los ntawm Social Security Administration lossis Railroad Retirement Board.
• Koj yuav tsim nyog tau txais txiaj ntsig los ntawm cov koom haum saum toj no tab sis tseem tsis tau txais lawv.
• Koj lossis koj tus txij nkawm yog ib tug neeg ua haujlwm los ntawm tseemfwv Medicare.

Koj tseem tuaj yeem tsim nyog rau Medicare Tshooj A thaum koj muaj 65 xyoos yog tias koj tsis them se Medicare. Txawm li cas los xij, koj yuav yog lub luag haujlwm rau kev them tus nqi txhua hli rau kev pov hwm.

Cov kev pab them nqi kho mob Medicare them dab tsi?

Tsoomfwv qib siab tsim cov phiaj xwm Medicare los ua zoo ib yam li cov kev xaiv zaub mov zoo. Txhua yam ntawm Medicare muab kev pab them nqi kho mob rau ntau hom kev kho mob.

Piv txwv li:

• Medicare Tshooj A npog cov kev fajseeb khomob hauv tsev khomob thiab pw khomob.
• Medicare Tshooj B pab them cov nqi kho mob thiab pab kho cov mob sab nrauv.
• Medicare Tshooj C (Medicare Advantage) yog "txoj kev them nqi" txoj kev npaj uas muab kev pab A, B, thiab D.
• Medicare Tshooj D muab kev pab them tshuaj.
• Cov phiaj xwm Medicare pab txhawb ntxiv (Medigap) muab kev pab them ntxiv rau cov nqi them thiab cov nqi txo nrog rau qee yam kev pabcuam kho mob.

Qee tus neeg xaiv tau txais txhua feem ntawm Medicare thaum lwm tus nyiam qhov yuav ua txuas mus rau Medicare Tshooj C. Txawm li cas los xij, Medicare Part C tsis muaj nyob rau txhua lub tebchaws.

Qee tus neeg yuav tsum tau them kev nplua yog tias lawv sau npe qeeb hauv Medicare cov kev pabcuam. Khaws cov hnub ntawd cia rau hauv siab thaum nws los txog rau npe nkag Medicare:

• Lub Kaum Hli 15 txog Kaum Ob Hlis 7: Lub sijhawm qhib rau Medicare txhua xyoo.
• Lub Ib Hlis 1 txog Peb Hlis 31: Medicare Advantage (Tshooj C) qhib rau npe nkag.
• Plaub Hlis Tim 1 txog Lub Rau Hli 30: Ib tus neeg tuaj yeem ntxiv Medicare Advantage txoj kev npaj lossis Medicare Part D txoj kev npaj uas yuav pib them rau thaum Lub Xya Hli 1.
• Hnub nyoog 65 xyoos: Koj muaj 3 lub hlis ua ntej koj hloov 65, koj lub hlis yug, thiab 3 lub hlis tom qab koj lub hlis yug los mus teev npe rau Medicare.

Cov nqa mus

Qee qhov xwm txheej muaj thaum ib tus neeg muaj peev xwm tsim nyog rau Medicare ua ntej lub hnub nyoog 65. Yog tias koj lossis ib tus neeg hlub tau kuaj mob nrog muaj mob lossis ua rau muaj kev raug mob uas ua rau koj tsis tuaj yeem ua haujlwm, tham nrog koj tus kws kho mob seb yog lossis thaum koj tuaj yeem tsim nyog tau txais Medicare.

Cov ntaub ntawv ntawm lub vev xaib no tuaj yeem pab koj txiav txim siab tus kheej txog kev tuav pov hwm, tab sis nws tsis yog yuav pab tswv yim txog kev yuav khoom lossis kev siv cov khoom pov hwm lossis kev tuav pov hwm. Healthline Media yuav tsis hloov lag luam ntawm kev tuav pov hwm tsis hais yam twg thiab tsis tau ntawv tso cai raws li cov tuam txhab pov hwm lossis cov neeg tsim khoom hauv ib cheeb tsam ntawm Teb Chaws Asmeskas. Healthline Media tsis tau qhia lossis pom zoo rau ib tog neeg thib peb uas ua lag luam ntawm kev tuav pov hwm.