Izikhathi zokubhalisa zeMedicare zango-2020: Okufanele Ukwazi

-Delile

• Ukubhaliswa kokuqala
• Izinkathi zokubhalisa ezikhethekile
• Isikhathi sokubhaliswa esivulekile sonyaka seMedicare izingxenye C no-D
• Kuqala nini ukumbozwa?
• Ukudla okudlela endlini

Njalo ngonyaka, isikhathi sokubhaliswa okujwayelekile sokubhalisela i-Medicare Part A kanye / noma i-Medicare Part B nguJanuwari 1 kuya ku-Mashi 31.

Uma ubhalisa ngesikhathi sokubhaliswa okujwayelekile, ukumbozwa kwakho kuzoqala ngoJulayi 1.

Qhubeka ufunde ukuze ufunde kabanzi mayelana nezikhathi ezithile zokubhaliswa nokuthi ukumbozwa kuqala nini ngakunye kwazo.

Ukubhaliswa kokuqala

Ukuqala ngaphambi nokuqhubeka ngemuva kosuku lwakho lokuzalwa lwama-65, unesikhathi sokubhalisa sokuqala sezinyanga eziyi-7 sokubhalisela iMedicare Part A (umshuwalense wesibhedlela) kanye neMedicare Part B (umshuwalense wezokwelapha)

• Izinyanga ezintathu ngaphambi kwenyanga yakho yokuzalwa engama-65
• inyanga yokuzalwa kwakho kwama-65
• izinyanga ezintathu ngemuva kwenyanga yakho yokuzalwa engama-65

Isibonelo, uma usuku lwakho lokuzalwa lungoJuni 27, 1955, isikhathi sakho sokuqala sokubhalisa siqala ngoMashi 1, 2020, kuze kube nguSepthemba 30, 2020.

Izinkathi zokubhalisa ezikhethekile

Uma uphuthelwa iwindi lezinyanga eziyi-7 lesikhathi sakho sokuqala sokubhalisa, ungaba nethuba lokubhalisela i-Medicare ngesikhathi sokubhaliswa okukhethekile (SEP). Ungahle ufaneleke ukuthola i-SEP uma:

• Ngomsebenzi wakho wamanje, umbozwe ngaphansi kohlelo lwezempilo lweqembu, ukuvumela ukuthi ubhalise nganoma yisiphi isikhathi ngaphandle kwesikhathi sakho sokuqala sokubhaliswa kwezingxenye ze-Medicare A kanye / noma B. Ufanelekela le SEP uma wena noma oshade naye (noma, uma ukhubazekile, uyilungu lomndeni) uyasebenza futhi, ngokususelwa kulowo msebenzi, umbozwe uhlelo lwezempilo lweqembu ngomqashi.
• Ukuqashwa kwakho noma uhlelo lwempilo lweqembu kusuka kulowo msebenzi wamanje luphela, lapho-ke une-SEP yezinyanga eziyi-8 eqala inyanga elandela lokho kuqedwa. I-COBRA nezinhlelo zezempilo zomhlalaphansi azithathwa njengokumbozwa okususelwa emsebenzini wamanje, ngakho-ke awufanelekile ukuthola i-SEP lapho lokho kufakwa kuphela.
• Une-Akhawunti Yokulondolozwa Kwezempilo (i-HSA) ene-High Deductible Health Plan (HDHP) esuselwa emsebenzini wakho noma owakwakho. Yize ungakwazi ukukhipha imali ku-HSA yakho ngemuva kokubhalisa kwi-Medicare, kufanele uyeke ukufaka isandla ku-HSA yakho okungenani izinyanga eziyisithupha ngaphambi kokufaka isicelo se-Medicare.
• Uyisisebenzi sokuzithandela esisebenza kwelinye izwe, ongakulungela ukuthola i-SEP yezingxenye ze-Medicare A kanye / noma u-B.

Isikhathi sokubhaliswa esivulekile sonyaka seMedicare izingxenye C no-D

Njalo ngonyaka kusuka ngo-Okthoba 15 kuya kuDisemba 7, ukubhaliswa okuvulekile kwenza kube nokwenzeka ukushintsha ukumbozwa ngaphakathi kweMedicare. Isibonelo, unga:

• ushintsho kusuka ku-Medicare yasekuqaleni (Izingxenye A no-B) kuya kuhlelo lwe-Medicare Advantage
• shintsha kusuka kuhlelo lweMedicare Advantage kuya kwiMedicare yangempela
• ujoyine, ulahle, noma ushintshe ingxenye D (uhlelo lwemithi kadokotela)
• shintsha kusuka kuhlelo olulodwa lweMedicare Advantage uye kolunye

Uma wenza izinguquko ekufakweni kwakho kwe-Medicare ngesikhathi sokubhaliswa okuvulekile konyaka, ukumbozwa kwakho okudala kuzophela futhi ukumbozwa kwakho okusha kuzoqala ngoJanuwari 1 wonyaka olandelayo.

Lokhu kusho ukuthi uma wenza ushintsho ngoNovemba 3, 2020, lolo shintsho luzoqala ukusebenza ngoJanuwari 1, 2021.

Kuqala nini ukumbozwa?

Uma ubhalisela i-Medicare Part A ne-Medicare Part B ngesikhathi sakho sokuqala sokubhalisa ezinyangeni ezintathu zokuqala, ukumbozwa kwakho kuzoqala ngosuku lokuqala lwenyanga yakho yokuzalwa.

• Isibonelo: Uma usuku lwakho lokuzalwa lwama-65 lungoJuni 27, 2020, futhi ubhalisela iMedicare ngoMashi, Ephreli, noma ngoMeyi ka-2020, ukumbozwa kwakho kuzoqala ngoJuni 1, 2020.

Uma usuku lwakho lokuzalwa lunga ngosuku lokuqala lwenyanga, ukumboza kwakho kuqala ngosuku lokuqala lwenyanga ngaphambi kwenyanga yakho yokuzalwa.

• Isibonelo: Uma usuku lwakho lokuzalwa lwama-65 lungoSepthemba 1, 2020, futhi ubhalisela i-Medicare ngoMeyi, ngoJuni, noma ngoJulayi ka-2020, ukumbozwa kwakho kuzoqala ngo-Agasti 1, 2020.

Uma ungazibhaliseli izingxenye ze-Medicare A no-B phakathi nezinyanga ezintathu zokuqala zesikhathi sakho sokuqala sokubhalisa:

• Uma ubhalisa ngenyanga yakho yokuzalwa engama-65, ukumbozwa kwakho kuzoqala inyanga engu-1 ngemuva kokuthi ubhalisile.
• Uma ubhalisa ngenyanga ngemuva kwenyanga yakho yokuzalwa engama-65, ukumbozwa kwakho kuzoqala izinyanga ezimbili ngemuva kokubhalisa.
• Uma ubhalisa izinyanga ezi-2 ngemuva kwenyanga yakho yokuzalwa engama-65, ukumbozwa kwakho kuzoqala izinyanga ezingu-3 ngemuva kokuthi ubhalisile.
• Uma ubhalisa izinyanga ezi-3 ngemuva kwenyanga yakho yokuzalwa engama-65, ukumbozwa kwakho kuzoqala izinyanga ezintathu ngemuva kokuthi ubhalisile.

Ukudla okudlela endlini

Kunezikhathi ezine zokubhalisa zeMedicare:

1. Isikhathi sokuqala sokubhalisa: isikhathi sezinyanga eziyi-7 esiqala ezinyangeni ezi-3 ngaphambi kwenyanga yakho yokuzalwa engama-65 futhi kufaka phakathi inyanga yakho yokuzalwa engama-65 kuya ezinyangeni ezi-3 ngemuva kwenyanga yakho yokuzalwa engama-65
2. Isikhathi sokubhalisa esikhethekile: ngokuya ngezimo ezinjengecebo lezempilo leqembu elisuselwa kumqashi noma ngokuzithandela ezweni langaphandle
3. Isikhathi sokubhaliswa okujwayelekile: NgoJanuwari kuya kuMashi minyaka yonke kubantu abaphuthelwe isikhathi sabo sokuqala sokubhalisa
4. Isikhathi sokubhalisa esivulekile se-Parts C no-D sonyaka: maphakathi no-Okthoba kuya ekuqaleni kukaDisemba, kubantu abadinga ukushintsha ukufakwa ngaphakathi kwe-Medicare

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.