Mentally prepared not to work

[theone]

Here is the situation:

I am on home dialysis with cycler for 4 months now. My insurance is under my wife's employer. Now, my wife is thinking about quitting after 18 years due to extreme stress going on (She lost lot of hairs...) It is unlikely that she will look for similar job and will stay home.

I can get insurance via my employer with no problem. I still enjoy my work after 24 years and can continue to work the "40" hours week as of now.

My wife worried that one of these days I can no longer work due to various medical problem (not sure what it is; swollen legs? vomit? etc) What will happen with the medical insurance?

From what I have read so far, I can get Medicare A and B for ESRD and also SSDI.

What about my spouse and my kids? Can they get insurance seperately from HMO or ?

Now, how much it is going to cost for Medicare B? Is the cost based on your income?

I am 50 now. How long I can stay on the medicare?

Anyone had similar situation and can share some info on all these.

p.s. Wife's quitting is definitely causing anxiety and stress on me. But I don't want her to know about it cause I think she already have enough stress at work

[dwcrawford]

can only answer 1 part of this.  Medicare part B is 96 dollars.  I have full medicare due to age though.  Don't know if you would have to pay or not.

[mikey07840]

I am 43 years old. Medicare part A hospitalization is free. Medicare part B is 96 dollars a month. You are eligible for Medicare if you are on dialysis for more than 6 months or home dialysis immediately. You will continue to be eligible if you continue dialysis or for up to 12 months post kidney transplant. That is what I was told.

[Wenchie58]

You would be Medicare eligible for 36 months post transplant.