Amaxesha oMayeza okuSayina ama-2020: Yintoni ekufuneka uyazi

Umxholo

• Ubhaliso lokuqala
• Amaxesha obhaliso olulodwa
• Amayeza e-Medicare C no-D ixesha lokubhalisa elivulekileyo lonyaka
• Kuqala nini ukugubungela?
• Yise kude

Unyaka ngamnye, ixesha lokubhalisa ngokubanzi lokubhalisela i-Medicare Part A kunye / okanye i-Medicare Part B ngoJanuwari 1 ukuya ku-Matshi 31.

Ukuba ubhalisa ngexesha lokubhalisa ngokubanzi, ingxelo yakho iya kuqala ngoJulayi 1.

Qhubeka ufunda ukuze ufunde ngakumbi malunga namaxesha athile obhaliso kwaye xa ukhuseleko luqala nganye yazo.

Ubhaliso lokuqala

Ukuqala ngaphambi kwaye uqhubeke emva kokuzalwa kwakho kwama-65, unexesha lokubhaliswa kweenyanga ezi-7 ukuze ubhalisele i-Medicare Part A (i-inshurensi yesibhedlele) kunye ne-Medicare Part B (i-inshurensi yezonyango):

• Iinyanga ezi-3 phambi kwenyanga yakho yokuzalwa engama-65
• inyanga yokuzalwa kwakho kwama-65
• Kwiinyanga ezintathu emva kwenyanga yakho yokuzalwa engama-65

Umzekelo, ukuba usuku lwakho lokuzalwa lungoJuni 27, 1955, ixesha lakho lokuqala lokubhalisa liqala ngoMatshi 1, 2020, ukuya nge-30 kaSeptemba 2020.

Amaxesha obhaliso olulodwa

Ukuba ulahlekelwa yinyanga engama-7 yefestile yakho yokuqala yokubhalisa, unokufumana ithuba lokubhalisela i-Medicare ngexesha lokuBhaliswa okhethekileyo (SEP). Unokufanelekela i-SEP ukuba:

• Ngomsebenzi wakho wangoku, ukhuselwe phantsi kwesicwangciso sempilo seqela, ukuvumela ukuba ubhalise nangaliphi na ixesha ngaphandle kwexesha lakho lokuqala lokubhaliswa kwamacandelo e-Medicare A kunye / okanye B. Ufanelekile kule SEP ukuba wena okanye iqabane lakho (okanye, ukuba ukhubazekile, ulilungu losapho) uyasebenza kwaye, ngokusekwe kuloo msebenzi, ukhuselwe sisicwangciso sezempilo seqela ngomqeshi.
• Ukuqeshwa kwakho okanye isicwangciso sempilo seqela esiphela kuloo ngqesho yangoku siphela, kwimeko apho une-SEP yeenyanga ezi-8 ukuqala kwenyanga elandela oko kupheliswa. I-COBRA kunye nezicwangciso zempilo zomhlala-phantsi aziqwalaselwa njenge-inshurensi esekwe kwingqesho yangoku, ngenxa yoko awufanelanga ukufumana i-SEP xa oko kugqityiweyo kuphela.
• Unayo iAkhawunti yokuGcina iMpilo (HSA) eneSicwangciso seMpilo esiDalwayo esiPhezulu (HDHP) esekwe kwingqesho yakho okanye yeqabane lakho. Nangona unako ukurhoxisa imali kwi-HSA yakho emva kokubhalisa kwi-Medicare, kufuneka uyeke ukufaka igalelo kwi-HSA yakho ubuncinane kwiinyanga ezi-6 ngaphambi kokufaka isicelo se-Medicare.
• Ungumvolontiya okhonza kwilizwe langaphandle, onokuthi ulungele i-SEP yamacandelo e-Medicare A kunye / okanye u-B.

Amayeza e-Medicare C no-D ixesha lokubhalisa elivulekileyo lonyaka

Unyaka ngamnye ukusuka ngo-Okthobha u-15 ukuya ku-Disemba 7, ukubhaliswa okuvulekileyo kwenza ukuba kube lula ukutshintsha ingxelo ngaphakathi kwi-Medicare. Umzekelo, unga:

• Utshintsho ukusuka kwiMedicare yoqobo (Amacandelo A kunye no-B) ukuya kwisicwangciso seMedicare
• Utshintsho kwisicwangciso seMedicare Advantage siye kwiMedicare yoqobo
• Joyina, ulahle, okanye utshintshe iCandelo D (isicwangciso sesiyobisi)
• tshintshela kwesinye isicwangciso seMedicare Advantage uye kwesinye

Ukuba wenza utshintsho kwi-Medicare yakho ngexesha lokubhaliswa okuvulekileyo ngonyaka, i-inshurensi yakho endala iya kuphela kwaye ingxelo yakho entsha iya kuqala ngoJanuwari 1 wonyaka olandelayo.

Oku kuthetha ukuba wenza utshintsho ngoNovemba 3, 2020, olo tshintsho luya kuqala ngoJanuwari 1, 2021.

Kuqala nini ukugubungela?

Ukuba ubhalisela i-Medicare Part A kunye ne-Medicare Part B ngexesha lakho lokuqala lokubhalisa kwiinyanga ezintathu zokuqala, ukogquma kwakho kuya kuqala ngosuku lokuqala lwenyanga yakho yokuzalwa.

• Umzekelo: Ukuba usuku lwakho lokuzalwa lwama-65 ngu-Juni 27, 2020, kwaye ubhalisela i-Medicare ngo-Matshi, ngo-Epreli, okanye ngoMeyi ka-2020, ingxelo yakho iya kuqala ngoJuni 1, 2020.

Ukuba usuku lwakho lokuzalwa luwela kusuku lokuqala lwenyanga, ukhuselo lwakho luqala ngosuku lokuqala lwenyanga ngaphambi kwenyanga yakho yokuzalwa.

• Umzekelo: Ukuba usuku lwakho lokuzalwa lwama-65 nguSeptemba 1, 2020, kwaye ubhalisela i-Medicare ngoMeyi, ngoJuni, okanye ngoJulayi ka-2020, ingxelo yakho iya kuqala ngo-Agasti 1, 2020.

Ukuba awubhaliseli icandelo le-Medicare A kunye no-B kwiinyanga zokuqala ezi-3 zokuqala kokubhalisa kwakho:

• Ukuba ubhalisa kwinyanga yakho yokuzalwa engama-65, ukugubungela kwakho kuya kuqala kwinyanga eyi-1 emva kokuba ubhalisile.
• Ukuba ubhalisa kwinyanga emva kwenyanga yakho yokuzalwa engama-65, ukugubungela kwakho kuya kuqala kwiinyanga ezi-2 emva kokuba ubhalisile.
• Ukuba ubhalisa iinyanga ezi-2 emva kwenyanga yakho yokuzalwa engama-65, ikhava yakho iya kuqala kwiinyanga ezi-3 emva kokuba ubhalisile.
• Ukuba ubhalisa iinyanga ezi-3 emva kwenyanga yakho yokuzalwa engama-65, ikhava yakho iya kuqala kwiinyanga ezi-3 emva kokuba ubhalisile.

Yise kude

Kukho amaxesha amane okubhalisa amayeza:

1. Ixesha lokubhalisa lokuqala: ixesha leenyanga ezi-7 ukuqala kwiinyanga ezi-3 ngaphambi kwenyanga yakho yokuzalwa engama-65 kwaye ubandakanya inyanga yokuzalwa kwakho engama-65 ukuya kwiinyanga ezi-3 emva kwenyanga yakho yokuzalwa engama-65
2. Ixesha elithile lobhaliso: ngokusekwe kwiimeko ezinje ngesicwangciso sempilo esisekwe kwiqela lomqeshi okanye ngokuzithandela kwilizwe langaphandle
3. Ixesha lokubhalisa ngokubanzi: NgoJanuwari ukuya ngoMatshi minyaka le kubantu abaphose ixesha labo lokuqala lokubhalisa
4. Ithuba elivulekileyo lokubhaliswa kweCandelo C no-D lonyaka: phakathi ku-Okthobha ukuya ekuqaleni kukaDisemba, kubantu abafuna ukutshintsha ingxelo ngaphakathi kwi-Medicare

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