American Red Blue Card [2024] Mistake this point will have a lifelong fine

American red and blue card Medical insurance plan, English is Medicare It is a special group of medical subsidies for the US government for special American groups and meets conditions.It can apply for a red and blue card to enjoy medical insurance in the United States.Because the appearance of the card is characterized by red and blue, it is commonly known as “Red Blue Card” Essence

The medical insurance plan is a medical insurance plan provided by the US federal government for most 65 years and above, and a small number of special groups under the age of 65.The plan content includes medical services, inpatient services, prescription drug services, nursing services, etc.One or several combinations of the content of the content.According to the different insurance plans, the underwriter can enjoy different levels of medical insurance services.

Because the crowd they serve is high, this kind of medical insurance is often called “Older Medical Insurance” Essence

Directory of this article

• Who can apply for a red and blue card?
• Red and blue card detailed introduction
• When will the red and blue card start?
• How to apply for a red and blue card?
• What materials do I need to apply for a red and blue card?
• Can the insurance content of the red and blue card be modified?
• How to choose Medicare and commercial medical insurance?
• How to calculate the delayed fine of red and blue cards?
• What is the Medical Saves Program?
• How to apply for a red and blue card for parents?
• Can you have a red and blue card and white card at the same time?
• What is the difference between red and blue cards and white cards?
• common problem

Who can apply for a red and blue card?

First of all, you must be a green card with US citizens or living in the United States for more than five consecutive years to meet your identity requirements.

The following three types of people who meet identity requirements can apply:

• At the age of 65;
• People under the age of 65, but have two years of qualified disability;
• At any age, but patients with diagnosed ALS (Felvant) and ESRD (Last Term Renosis) patients*;

*Among them, the full name of ALS is Amyotrophic Lateral Sclerosis.Chinese translation is “muscle atrophic spinal cord sclerosis”, also known as “gradual symptoms”.It is a gradual and fatal neurodegenerative disease.The full name of ESRD is End-Stage Renal Disease.Chinese translation is “end-stage nephropathy”, which refers to the ending stage of various chronic kidney disease.

Applicants can apply to the Social Security Administration (SSA).

Red and blue card detailed introduction

1.Medical services mainly provided by the red and blue card

There are many different parts of the red and blue cards: including part A, part B, Part C and Part D, and Medicare Supplement.

Part A: Hospitalization Coverage

Part B: Medical Insurance

Part C: Medicare Advantage

Part C is equivalent to the synthesis of part A and Part B, and sometimes it also includes parts of the PART D prescription drug.

Part D: Prescripting Drug Coverage

Part D is generally used in combination with part A and Part B.Part D is mainly used for the cost of prescription drugs.

Medicare Supplement

Medicare Supplement is also known as Medigap.The content is mainly based on part A and Part B to pay for supplementary insurance to reimburse the cost of reimbursement of the two.In the case, the costs of ophthalmology, dental, hearing aid and private care will not be underwritten.

2.Effective time of red and blue cards

A.For the age of 65 years old

• If you are registered within the first three months of the age of 65, it will take effect on the 1st month of the 65th birthday.If your birthday is exactly No.1, the effective day will be No.1 one month before the birthday month.For example, if the Birthday of the underwriter is October 2nd, it will take effect on October 1, 65 years old.If the birthday is on October 1, it will take effect on September 1, 65 years old.
• If it is handled at the age of 65, it will take effect one month after the birthday;
• If it is handled after 65 years of age, the effective month will be delayed for 2 to 3 months;

Note: For those who meet the application conditions for the first time but do not apply, if the application is delayed, there will be a lifelong fine.

B.Some people can automatically get red and blue cards

If you have been receiving the benefits of social security benefits or railway retirees (Social Security) or Railroid Railment Board, then you will automatically add the red and blue card PART A and PART B when you are 65 years old.part.

If the birthday of the guarantee is not on the 1st of the month, it will take effect on the first day of the 65th birthday month.If the birthday is No.1, it will take effect on the 1st month before the birthday month.

The red and blue cards will be mailed at home about 3 months before the age of 65.

C.For disabled people

For those who are under 65 years old, when they have obtained the Social Security Disability Benefits for 24 months, they will automatically take effect from the 25th of the 25th.

The red and blue card will be mailed home about 3 months before the effect.

D.For patients with ALS and ESRD

For patients who confirm ESRD, you can start to enjoy Medicare at the following time:

• The first day of the fourth month of dialysis treatment;
• The first day of family dialysis;
• Inpatient receiving kidney transplantation

For patients diagnosed with ALS, after receiving social disability protection benefits, they can start to enjoy Medicare immediately.

3.Common insurance solutions

In addition to the independent selection of self-selection or automatic effect, there are two common insurance plans for medical insurance:

• Original Medicare
• Medicare Advantage

Option 1: Original Medicare (Part A & B)

It consists of part A and Part B, and sometimes the part of the part D and Medigap can also be added.

As the most common types of medical insurance, the underwriting content of part A and PART B can cover the medical use of most people, so it is usually enjoyed as a medical insurance portfolio.PART A is obtained for free for most people.PARTB needs to pay, so most people’s medical insurance is part of PART B.

Of course, PART A and Part B also have their own limitations, so some people who want to get more comprehensive medical insurance will choose to increase the purchase of part D and Medigap on the basis of part A and Part B.

Option 2: Medicare Advantage (Part C)

Medicare Advantage is a part C.According to the situation of the underwriter, select the medical insurance of the suitable insurance company.Using PART C program is equivalent to part A + Part B.At the same time, most Medicare Advantage also includes prescription drug reimbursement (similar to part D part), and some plans include optional contents such as ophthalmology and dentistry.

When will the red and blue card start?

The time to register red and blue is called “Initial Enrollment Period”, referred to as IEP.

• If you are about to be 65 years old, then your IEP is: the first three months of the birthday + the first 3 months of the birthday of the birthday, the 3 months of the birthday month, a total of 7 months.For example, if you are your birthday on May 1, then from February 1st to August 31st, you can apply for a red and blue card.
• If you are more than 65 years old, you can apply between January 1st and March 31st each year, but you need to pay a fine and a life fine.Insurance began on July 1 that year.This time is called “General Enrollent Period”, referred to as GEP.

How to apply for a red and blue card?

There are three ways to apply for a red and blue card:

• By inquiring the address of the Social Security Bureau in your location, and then applying offline “check the map” Items
• Application for telephone through the Social Security Bureau phone 1-800-772-1213;
• Log in Social Security Bureau Medical Insurance Website Do online application.

What materials do I need to apply for a red and blue card?

When applying for a red and blue card, you need to provide sufficient information to the Social Security Bureau to prove that the applicant is eligible to enjoy Medicare, which generally includes:

• Social Security Number of Applicants (SSN)
• Applicants’ birth date and place
• Applicant’s citizenship certificate
• Applicants’ current spouse and the name and social security number of any pre-spouse
• The date and place of the applicant’s marriage or divorce
• The name and age of the child under the age of 18 (also need to mention children who are still in high school under 19 years of age)
• The name and age of any children who have a disabled before the applicant’s 22 -year-old
• Whether applicants have applied for social security benefits in the past, or have anyone applied on behalf of them
• Applicants’ names and addresses of any employer in the past 2 years
• Applicants have income in the past 2 years (if you apply between September and December, you need to estimate the income of the next year)
• Applicants before 1968 any military service date
• Information about any job made from applicants or their spouses for the railway industry
• Information about any social security work points obtained by applicants in another country/region
• Any information about any federal pension that applicants will obtain in the future

In addition to these general information, the following additional information may be needed:

• The original certificate of the application of the applicant or the copy certified by the issuing agency, such as the state where the applicant was born
• If the applicant does not have a birth record, other documents that prove the age of the applicant, such as the applicant’s immune records, school records, state population census records, insurance records or medical records
• If applicants are born outside the United States, the US citizenship certificate of the applicant needs to be provided, such
• If the applicant is not a U.S.citizen, it needs to provide a legal residence certificate-including the applicant’s permanent resident card (usually called a green card) and the applicant’s entry-leave record (if so)
• If the applicant has served military service before 1968, please provide service records, such as a veteran certificate, etc.
• Applicants W-2 or self-employed tax information in the past year
• Applicants’ income records, such as social security reports, etc.

Can the insurance content of the red and blue card be modified?

For medical insurance, there is usually an annual registration period, which is a fixed period for people to insure medical insurance plans each year.In most cases, the medical insurance is not allowed to register outside the annual registration period.If there is no insurance during the annual registration period, it must wait until the registration period of the next year will be insured.

Affordable Care Act Health Plans’s annual registration period is from November 1st to December 15th each year.

The Medicare D program and the Medicare Advantage plan are from October 15th to December 7th each year.

In some special circumstances, there will be a special registration period-the Special Enrolment Period, usually for 65 years of age, who is still working and enjoying the commercial medical insurance provided by the employer.For example, part A and Part B, when they stop enjoying the commercial insurance provided by the employer in the later period, choose to join the federal medical insurance.Eligible applicants do not need to pay a delayed fine.

For the medical care sharing department and the short-term health plan, there is no predetermined registration period, and the association’s health plan does not need to have each annual registration period.Therefore, users do not need to register for insurance within a fixed period of time.

How to choose Medicare and commercial medical insurance?

Some people are still working at the age of 65 and enjoy the commercial insurance provided by the employer.At this time, whether to join the federal medical insurance depends mainly on the type of commercial medical insurance.

• The coverage of commercial medical insurance is better than federal medical insurance.At the same time, commercial medical insurance supports the insurers who can register federal medical insurance during the special registration period and avoid delayed fines.They can choose commercial medical insurance provided by the employer.
• The coverage of commercial medical insurance is better or equal to federal medical insurance, but it does not support the insured person to register federal medical insurance during the special registration period.That is, if the insured person chose to continue using commercial insurance at the age of 65, stop, stopWhen registering federal medical insurance after commercial insurance, a delayed fine is required.You can use commercial medical insurance and federal medical insurance at the same time.The specific reimbursement ratio determines the commercial insurance and the scale of the company.Reimbursement ratio.
• The coverage scope of commercial medical insurance is less than federal medical insurance, and you can choose to stop commercial insurance and register to join the federal medical insurance at the age of 65.

How to calculate the delayed fine of red and blue cards?

What is the Medical Saves Program?

Referred to as MSP, the plan is a medical insurance assistance plan that is independently managed and implemented by each state.kind.

Mainly divided into four categories:

• Eligible medical insurance beneficiaries -Qualified Medicare Beneficiary/QMB
• Specifying low-income medical insurance beneficiaries-Specify Low-found Medicare Beneficiary/SLMB
• Eligible Individuals -Qualifying Individual/QI
• Eligible disabled staff -QUALIFIED DISABLED & Working Individuals/QDWI

In different types, different aid amounts will be divided in detail.

When applying for MSP, you must first meet the basic requirements:

• Live in a state or Columbia Special Economic Zone.
• Age 65 or more.
• Receive social disability protection benefits.
• People with some disability or permanent renal failure (even if they are under 65 years old).
• Meet the standard income requirements.

If you feel that you are qualified to get MSP, you can go Medicare benefits Page online application.

Or call yourself first State Medical Insurance Plan To further determine whether you are qualified, you can apply immediately if you meet.

How to apply for a red and blue card for parents?

When applying for the parents who are eligible to get the red and blue card, you can prepare the required materials first, and then apply for the Social Security Bureau at the age of 65 when he is 65 years old.Be sure to pay attention to the short IEP time introduced before.

Some medical insurance plans may require parents to fill in Medicare to authorize to disclose the personal health information form to disclose people to complete the application of the red and blue card.

Can you have a red and blue card and white card at the same time?

When the applicant meets the qualifications of the red and blue cards and white cards at the same time, they can apply and obtain the red and blue cards at the same time.

What is the difference between red and blue cards and white cards?

The white card, which is Medicaid, is also a US medical subsidy plan to help poverty or special groups to enjoy a certain degree of free medical care.

Medical subsidies are a federal state plan that operates within the scope of the federal guidelines by the state and local governments and will vary from the state.

common problem

Not necessarily, the following groups will automatically obtain part A and Part B.When needed, you can buy part D or other supplementary insurance.The red and blue card will be sent to the house in about three months before the starting month.
If you have been receiving the benefits of social security benefits or railway retirees (Social Security) or Railroid Railment Board, then you will automatically add the red and blue card PART A and PART B when you are 65 years old.part.
Under the age of 65, the disability allowances for more than 24 months due to disability;
Patients with ALS and ESRD diagnosed;

If the registration time of the red and blue card you miss, you can register between January 1st and 31st of each year, but you will need to pay a delayed fine.%about.

It has nothing to do with working age, but it has something to do with the time of tax returns.
For 10 years and above medical insurance, you can get part A for free, otherwise you need to pay for part A.Other types of insurance are required.Regardless of the time for medical insurance, you need to pay.

Can’t.

On the first 60 days, the Benefit Period, which is repetitive for the cycle, such as:
The part A was not triggered within 60 days before the hospital, and it entered the welfare period period from the hospital.
If you are hospitalized for 10 days, you need to be hospitalized again after 20 days of discharge.Because the previous calculation was calculated within 60 days, it still belongs to the 60 -day dedicated period that was triggered for the first time.
The second 60 -day reserves are for life.The number of days is one-time and can be used separately.For example58 days of life reserves are available.
You can increase the number of days of life reserves by purchasing some additional insurance.

Yes, especially the part D part, so you must first consult the insurance scope that the hospital and the drug prescribed drugs can be participated.

uncertain.
PART B can be purchased separately, that is, you can buy part A without buying part A, only buy part b;
If you buy part A, you must buy part B;
You must purchase part A and Part B at the same time to buy part D.