Chinese In North America(北美华人e网)

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1#

有资格申medicare但是不申有啥后果?大家帮我看看怎么办。

父母75-80岁,绿卡,住在大红州,没有medicaid。县里有个低收入医疗福利,但是接受的医院和医生非常有限。做个普通procedure要排半年到一年的队。

他们绿卡明年即将满五年,居住时间也符合要求。如果届时申请medicare, 因为没有攒过税点 plan A +B 两个人每月要超过1200。 他们不想申请。原因一: 现在从国内汇钱非常困难。原因二:他们身体状况还好,没有什么大病,每年回国五个月。国内单位医疗福利好,他们回国期间做体检和保健都大部分可以解决。原因三:国内每月退休金不够支付 Medicare费用,还需要动用存款。他们舍不得。

如果明年有资格申medicare的时候不申,以后是不是要被罚款和保费增加?如果他们可以继续这样在中美之间来回跑五年,真的值得花这么多钱办medicare吗?

他们现在觉得在美国生活没什么意思,想多住在国内。我考虑给他们办回美证,这样medicare资格也就没了,积攒资格需要重新积攒五年。大家觉得这样妥吗?

他们现在连放弃绿卡的心都有了,但是我劝他们别放弃,因为国内没有其他兄弟姐妹给他们养老了。
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2#

没有说到了条件就必须要买吧,身体好得话回国内体检看小毛病很make sense啊,到年纪再大点身体不好了再买,medicare应该不限制preconditions吧
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3#

Can you decline Medicare coverage?
Delaying Enrollment Could Result in a Permanent Penalty. As described above, you can't reject premium-free Medicare Part A (hospital coverage) without also giving up your Social Security benefits. ... The other parts of Medicare, however, do involve premiums that you have to pay in order to keep the coverage in force.Jul 12, 2019

What happens if you don't sign up for Medicare?
If you don't sign up for Medicare during your initial enrollment window, you'll face a 10% increase in your Part B premiums for every year-long period you're eligible for coverage but don't enroll. Therefore, it generally pays to sign up for Medicare at 65 -- unless you happen to qualify for one major exception.Apr 5, 2018

What is the penalty if you don't sign up for Medicare at 65?
Medicare Part A late-enrollment penalty
If you don't enroll when you're first eligible for Medicare, you can be subject to a late-enrollment penalty, which is added to the Medicare Part A premium. The penalty is 10% of your monthly premium, and it applies regardless of the length of the delay.
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