메디케어 관련 질문입니다 - ASK미국

y**ngshinja**** 님 답변 답변일 1/25/2011 12:01:29 AM

안녕하십니까? AARP 유나이티드 헬쓰케어 메디케어 지역담당자 제영신 입니다.

1. 2-3년 뒤에도 신청이 가능합니다. 그러나 late penalty를 지불하게 됩니다. 또한 신청이 가능한 시기도 1-3월사이의 open enrollment 기간에만 가능하며, effective date은 7월 1일로 됩니다. 따라서 65세가 되시면, 신청하시기 바랍니다. 만약에 소득이 없으시다면, 메디칼을 신청하십시오.

2. Part D는 Part A 또는 Part B를 갖게되면 effective date기준으로 -3개월 에서 +3개월 사이에 가입을 하셔야 후에 페날티를 물지 않게됩니다. 만약에 소득이 낮으면 정부의 ExtraHelp를 신청하시면 도움을 받으실 수 있습니다.

3. 요즈음은 온라인 신청을 많이 합니다. http://www.ssa.gov에 가셔서 신청하시면, 필요한 서류에 대해서 이메일이 날라갑니다.

Part D에 대한 가입은 저희 사무실로 연락주시면 도와드립니다.

w**kmen**** 님 답변 답변일 1/31/2011 8:57:37 PM

Overview
Medicare Enrollment
Medicare for Disability
Medicare Drug Coverage

Medicare Overview
Medicare is a federal health care program for people that are age 65 or older, those that are under 65 with certain disabilities, and people of any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant). Medicare has four parts:

Medicare Part A – Hospital Insurance. Generally, there is no monthly premium, but there are annual deductibles and co-insurance after certain lengths of stay.
Medicare Part B – Medical Insurance. Part B requires payment of a monthly premium, as well as Deductibles and Co-insurance. You should enroll in Part B when first eligible to avoid a financial penalty and a potential delay in your enrollment.
Medicare Part C – Medicare Advantage Plans. Health plan options approved by Medicare and administered by private companies.
Medicare Part D – Prescription Drug Coverage. Provided through plans run by insurance companies or other private companies approved by Medicare. There are monthly premiums, Deductibles and Co-insurance/Co-payments.

Medicare Parts A and B are available for every individual who is age 65 or older and is entitled to monthly Social Security benefits, or is a qualified Railroad Retirement beneficiary. If you are receiving Social Security or Railroad Retirement benefits, you will automatically be eligible for Part A and Part B starting the first day of the month in which you turn age 65. You must contact the Social Security Administration for enrollment. You should receive your Medicare card in the mail three months before your 65th birthday. Part B premiums will be deducted from your Social Security benefits.

If you are not receiving Social Security already, it is your responsibility to contact the local Social Security Administration office to apply for Medicare when you reach age 65. The Social Security Administration suggests that you contact them at least three months before you reach age 65. This will allow sufficient time to process your application so that you will not miss your initial opportunity for enrollment. If you do not enroll for Medicare Part B when first eligible, a financial penalty will apply, increasing the monthly Medicare Part B premium you pay.

Individuals under age 65 who are entitled to disability benefits under the Social Security or Railroad Retirement Acts for at least 24 consecutive months also are entitled to Medicare Parts A and B. Coverage begins on the first day of the 25th month of entitlement to disability benefits and terminates at the end of the month following the month in which the Social Security Administration provides notice of termination of disability benefits.

To enroll, contact the Social Security Administration at 1-800-772-1213, go online at www.socialsecurity.gov, or visit your local Social Security office.

Click here for the Medicare & You 2011 (official government handbook).

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