您可能知道65岁或以上的人员提供医疗保险覆盖范围。您还可能知道Medicare覆盖范围可用于残疾人。

如果您有资格获得社会保障管理局的残疾利益，您可以获得Medicare保险。了解您的Medicare保险将开始，它会覆盖的内容，并且它的成本将有助于您做出重要决策。

如果您有残疾，您可以有资格获得Medicare，并已获得社会保障残疾保险（SSDI）。在大多数情况下，您需要在Medicare覆盖范围开始前等待24个月。

There is a 2-year waiting period that begins the first month you receive a Social Security benefit check. At the start of your 25th month of SSDI coverage, you’ll be automatically enrolled in Medicare.

我有资格获得医疗保险残疾保险如果I am younger than age 65?

Medicare disability coverage doesn’t have an age requirement. You can get Medicare coverage as long as you have a disability and have been approved for SSDI.

为期两年的等待期有两个例外。如果你有amyotrophic lateral sclerosis (ALS)，也称为Lou Gehrig的疾病，您将在您收到SSDI的第一个月内注册覆盖范围。

如果你有末期肾病（ESRD）, your Medicare coverage normally begins after you’ve received 3 months of透析治疗。

获得Medicare覆盖的第一步如果您有残疾是为了申请社会保障残疾福利。您的残疾需要满足标准set by the Social Security Administration to qualify for coverage. Generally, this means you are unable to work and that your condition is expected to last for at least a year.

Medicare doesn’t determine who is eligible for disability coverage. You don’t need to take any further steps if the Social Security Administration has approved your disability application. You’ll just need to wait the required 24 months, and you will be automatically enrolled in Medicare.

Once you’ve been approved for SSDI, you’ll be automatically enrolled at the start of your 25th month of receiving benefits. You’ll receive your Medicare card in the mail during your 22nd month of SSDI benefits. Once you’re eligible, you’ll have coverage from Medicare parts A and B, also known asoriginal Medicare。

  • Medicare A部分（医院保险）。部分A.用于支付医院住宿和其他类型的短期患者护理，例如熟练的护理设施。人们一般不支付保险费的覆盖范围。
  • 医疗保险B部分（医疗保险）。B部分用于支付各种医疗服务，包括医生和专业任命，急诊室访问，救护车服务，医疗设备，预防性护理和一些药物。您通常为B部分支付每月保费。

You are allowed to keep your Medicare coverage for as long as a medical professional deems you medically disabled.

If you under age 65 and return to work, you won’t have to pay a premium for Part A for the next 8.5 years.

If you’re still younger than age 65 once that 8.5-year time period as passed, you’ll begin paying the Part A premium. In 2021, the standard Part A premium is$259。

Your Medicare costswill depend on your specific circumstances. It’s important to know that unlikestandard insurance plans, each Medicare part has its own costs and rules.

部分成本

在2021, hospitalizationcosts with Medicare Part Ainclude:

  • Deductible:$1,484 for each福利期
  • Days 1–60:扣除扣除后，住院住在福利时期的第60天将完全覆盖。
  • 第61-90天：$371 per day coinsurance
  • Day 91 and above:每天742美元的共同保险，直到你排出你的寿命储备日（一生60天）
  • 60余期后的寿命时间：you pay all costs

B部分costs

YourMedicare Part B premiumwill be deducted from your SSDI check. The standard Part B premium for 2021 is148.50美元per month.

2021年Medicare Part B的扣除是203美元。符合扣除后，一些服务已全额覆盖。您将支付20％的Medicare批准的其他服务金额。

您可能有资格支付保费，减扣，CONUNSURANCE或COPATAY的协助。

There are currently fourMedicare储蓄计划available to help cover these costs:

这些计划旨在帮助那些落在预设收入水平下的人们支付医疗保险范围。您需要符合收入要求才能获得资格。

  • Medicare coverage is available for people with a disability who receive SSDI.
  • You’ll automatically be enrolled in parts A and B after your 24th month of SSDI benefits.
  • You can choose to decline Medicare Part B coverage if you have other options that work better for your budget.
  • 您通常只会仅为B部分支付保费，但两部分都有支付和共同度成本。
  • 您可以通过Medicare援助计划获得帮助支付保费和其他费用