Hiki paha ke kiʻi ʻia i ke kau kali ʻana o ka Medicare inā he maʻi kīnā ʻole kou?

Anter

• He aha ka manawa kali Medicare?
• ʻO wai ka mea i kūpono no Medicare ma lalo o 65 mau makahiki?
• Ua haʻalele ʻia ka wā kali Medicare?
• ʻO ka wā kali no nā poʻe me ALS
• ʻO ka wā kali no nā poʻe me ESRD
• Pehea wau e uhi ai i ka wā kali?
• Ke laina lalo

• E kau inoa inoa ʻia ʻoe ma Medicare ke loaʻa iā ʻoe nā pono kīnā ʻole pili kaiaulu no 24 mau mahina.
• Lawe ʻia ka wā kali inā loaʻa iā ʻoe ka amyotrophic lateral sclerosis (ALS) a i ʻole ka hopena hopena maʻi maʻi maʻi (ESRD).
• ʻAʻohe manawa kali Medicare inā ʻoi aku ʻoe i 65.
• Hiki iā ʻoe ke noi no nā ʻano uhi ʻē aʻe i ka wā kali.

ʻO nā kānaka i loaʻa ka ʻinikua Pilikino Pilikino Pilikino (SSDI) kūpono i ka Medicare. I ka hapanui o nā hihia, kau inoa inoa ʻia ʻoe ma Medicare ma hope o ka manawa kali o ʻelua makahiki.

E hoʻomaka kāu hoʻopiʻi Medicare i ka lā mua o kāu 25th mahina o ka loaʻa ʻana o nā pōmaikaʻi. Eia nō naʻe, inā he ALS a he ESRD paha kāu, hiki iā ʻoe ke loaʻa ka lāʻau Medicare me ka ʻole o ke kali kali o ʻelua mau makahiki.

He aha ka manawa kali Medicare?

ʻO ka wā kali Medicare kahi manawa o ʻelua mau makahiki e pono ai ka poʻe e kali ma mua o ke kākau inoa ʻia ʻana i ka laulā Medicare. ʻO ka wā kali no nā mea wale nō e loaʻa ana iā SSDI, a ʻaʻole pili inā he 65 a ʻoi paha kou mau makahiki. Kūpono nā ʻAmelika e kākau inoa i ka Medicare a i ʻekolu mau mahina ma mua o ko lākou 65th lā hānau.

ʻO ke kumu kēia inā ʻoe e noi no nā pono SSDI a ʻae ʻia ke piha iā ʻoe i ka makahiki 64, e hoʻomaka ana kāu mau pono Medicare ma 65, e like me kā lākou inā ʻaʻole i loaʻa iā SSDI. Eia nō naʻe, inā ʻoe e noi no SSDI i kekahi manawa ʻē aʻe, pono ʻoe e kali i nā makahiki ʻelua piha.

ʻO wai ka mea i kūpono no Medicare ma lalo o 65 mau makahiki?

No kou mau makahiki, kūpono ʻoe no Medicare inā e loaʻa ana iā ʻoe nā pono ʻo SSDI no 24 mau mahina. I mea e loaʻa ai nā keu pono, pono ʻoe e noi me ka Social Security Administration (SSA). Pono kāu kīnā e hoʻokō i nā koina SSA.

Wahi a ka SSA, pono kāu kīnā e:

• mālama iā ʻoe mai ka hana
• e mau ana no hoʻokahi makahiki, a i ʻole hoʻokaʻawale ʻia ma ke ʻano he terminal

E hoʻomaka ʻoe i ka manawa kali ʻelua mau makahiki ke ʻae ʻia ʻoe no SSDI. E kākau inoa ʻia ʻoe i Medicare Part A (ʻinikua haukapila) a me Medicare Part B (ʻinikua olakino). E loaʻa iā ʻoe kāu mau kāleka Medicare a me kāu ʻike ma ka leka ma loko o kāu mau mahina he 22 o nā pono, a e hoʻomaka ana ka uhi ʻana ma ka mahina 25. ʻO kahi laʻana, inā ʻae ʻia ʻoe no SSDI i Iune o 2020, e hoʻomaka ana kāu uhi Medicare ma Iulai 1, 2022.

Ua haʻalele ʻia ka wā kali Medicare?

Pono ka hapa nui o nā mea e loaʻa iā SSDI e kali i 24 mau mahina ma mua o ka hoʻomaka ʻana o ka Medicare. Eia nō naʻe, aia nā hoʻokoe. No kekahi kūlana hoʻoweliweli i ke ola, haʻalele ʻia ka wā kali a hoʻomaka koke ka uhi ʻana. ʻAʻole ʻoe e kali i nā makahiki ʻelua inā loaʻa iā ASL a i ʻole ESRD.

ʻO ka wā kali no nā poʻe me ALS

ʻIke ʻia ʻo ALS ʻo Lou Gehrig maʻi. ʻO ALS kahi maʻi kūlohelohe e alakaʻi ana i ka nalo ʻana o ka kaohi maso. He hoʻohaʻahaʻa ia, ʻo ia hoʻi ke hele a hewa ke ʻano i ka manawa. ʻAʻohe mea ola i kēia manawa no ALS, akā hiki i ka lāʻau lapaʻau a me ke kōkua kōkua ke hoʻomaikaʻi i ke ola.

Pono ka poʻe me ALS i ka mālama olakino e kōkua iā lākou e noho ʻoluʻolu. Pono nā poʻe he nui me ALS i ka mālama o nā kahu mālama ola home a i ʻole nā ​​wahi kahu hānai. ʻOiai neʻe wikiwiki kēia maʻi a pono i ka mālama olakino nui, haʻalele ʻia ka wā kali Medicare.

Inā loaʻa iā ʻoe ka ALS, e kākau inoa ʻia ʻoe i ka laulā Medicare i ka mahina mua ua ʻae ʻia ʻoe no SSDI.

ʻO ka wā kali no nā poʻe me ESRD

Kuhi ʻia ʻo ESRD i kekahi manawa ma ke ʻano he maʻi ʻōiwi pae hopena a i ʻole kūleʻa ʻole i paʻa ʻole. Hana ʻia ʻo ESRD ke hana maikaʻi ʻole kou mau puʻupaʻa e lawa pono i nā makemake o kou kino. ʻO ESRD ka mokuʻāina hope loa o nā maʻi puʻupuʻu mau. E pono paha ʻoe i nā lāʻau dialysis ke loaʻa iā ʻoe ka ESRD, a e noʻonoʻo ʻia ʻoe no kahi transplant kidney.

ʻAʻole pono ʻoe e kali i nā makahiki ʻelua holoʻokoʻa e loaʻa iā Medicare ka uhi inā loaʻa iā ESRD. E hoʻomaka ana kāu uhi Medicare i ka lā mua o ka hā o ka malama o kāu lapaʻau dialysis. Hiki iā ʻoe ke kiʻi i ka uhi ke loaʻa i kāu mahina mua o ka mālama ʻana inā hoʻopau ʻoe i kahi papahana hoʻomaʻamaʻa i ʻae ʻia e Medicare e hana i kāu hoʻoponopono dialysis ponoʻī ma ka home.

I kekahi mau hihia, hiki i kēia ke manaʻo e hoʻomaka maoli kāu uhi ma mua o kāu noi. ʻO kahi laʻana, inā e loaʻa ana ʻoe i ka dialysis ma kahi kikowaena olakino a noi no Medicare i kāu malama hiku o ka mālama ʻana, e uhi hou ʻo Medicare iā ʻoe e hoʻi ana i kāu mahina ʻehā.

Eia nō naʻe, ʻaʻole hiki iā ʻoe ke kākau inoa i kahi hoʻolālā Medicare Advantage me ESRD. ʻO kāu ʻaoʻao Medicare mau ʻāpana A a me B, a i ʻole “Medicare kumu.”

Pehea wau e uhi ai i ka wā kali?

He mau koho ʻē aʻe kāu no ka uhi ʻana i loko o ka wā kali o ʻelua makahiki. Pākuʻi ʻia kēia mau mea:

• Uhi lāʻau Medicaid. Kūpono paha ʻoe no Medicaid inā he kau palena kāu loaʻa, kaukaʻi ʻia i nā kulekele o kāu mokuʻāina.
• Ka uhi mai ka Hale ʻInikua ʻInikua. Hiki iā ʻoe ke kūʻai aku no ka uhi e hoʻohana nei i ka United States Health Insurance Marketplace. E noʻonoʻo ka noi Marketplace iā ʻoe no Medicaid a no nā hōʻaiʻē ʻauhau i hiki ke hōʻemi i kāu kumukūʻai.
• Uhi COBRA. Hiki iā ʻoe ke kūʻai i ka hoʻolālā i hāʻawi ʻia e kāu luna hana ma mua. Eia nō naʻe, e uku ʻoe i ka nui o ka uku me ka ʻāpana a kāu luna hana e uku nei.

Ke laina lalo

• Loaʻa ka laulā Medicare i ka poʻe ma lalo o 65 i loaʻa nā kōkua kīnā ʻole Social Security.
• Hoʻokomo inoa ʻia ka hapa nui o ka poʻe ma hope o ke kali ʻana o ʻelua mau makahiki.
• Inā loaʻa iā ʻoe ʻo ESRD a i ʻole ALS, e haʻalele ʻia ka wā kali ʻelua makahiki.
• Hiki iā ʻoe ke hoʻohana i nā papahana e like me Medicaid, COBRA, a i ʻole ka Health Insurance Marketplace e kiʻi i ka ʻinikua olakino i ka wā kali.