Nthawi Yolembetsera Medicare ya 2020: Zomwe Muyenera Kudziwa

Zamkati

• Kulembetsa koyamba
• Nthawi zolembetsa zapadera
• Medicare magawo C ndi D nthawi yolembetsa yotseguka pachaka
• Kodi kufalitsa kumayamba liti?
• Tengera kwina

Chaka chilichonse, nthawi yolembetsa ku Medicare Part A ndi / kapena Medicare Part B ndi Januware 1 mpaka Marichi 31.

Ngati mungalembetse munthawi yolembetsa, kufalitsa kwanu kudzayamba pa Julayi 1.

Pitirizani kuwerenga kuti mudziwe zambiri za nthawi zolembetsa komanso nthawi yomwe kufotokozera kumayambira aliyense wa iwo.

Kulembetsa koyamba

Kuyambira musanapite patatha zaka 65, muli ndi nthawi yolembetsa miyezi 7 kuti mulembetse Medicare Part A (inshuwaransi ya chipatala) ndi Medicare Part B (inshuwaransi ya zamankhwala):

• Miyezi 3 isanakwane mwezi wanu wazaka 65 zakubadwa
• mwezi wakubadwa kwanu wazaka 65
• miyezi itatu mutakwanitsa zaka 65 zakubadwa

Mwachitsanzo, ngati tsiku lanu lobadwa ndi June 27, 1955, nthawi yanu yoyamba kulembetsa imayamba kuyambira Marichi 1, 2020, mpaka Seputembara 30, 2020.

Nthawi zolembetsa zapadera

Ngati mwaphonya zenera la miyezi 7 la nthawi yoyamba kulembetsa, mutha kukhala ndi mwayi wolembetsa ku Medicare munthawi Yolembetsa Yapadera (SEP). Mutha kukhala woyenera SEP ngati:

• Kudzera pantchito yomwe mukugwira, muli ndi dongosolo laumoyo wamagulu, lomwe limakulolani kuti mulembe nthawi iliyonse yomwe simunalembetse ku Medicare magawo A ndi / kapena B. Mukuyenera SEP iyi ngati inu kapena mnzanu (kapena, ngati ndinu olumala, wachibale) akugwira ntchito ndipo, kutengera ntchitoyi, mumayang'aniridwa ndi dongosolo lazachipatala kudzera mwa owalemba ntchito.
• Ntchito yanu kapena dongosolo laumoyo wamagulu kuchokera pantchito yomwe ikupezeka pano imatha, pamenepo mukakhala ndi SEP ya miyezi 8 kuyambira mwezi watha. Mapulani azaumoyo a COBRA komanso opuma pantchito samawerengedwa kuti ndi owerengera potengera ntchito yomwe muli nayo, chifukwa chake simukuyenera kulandira SEP pomwe kufalitsa kumatha.
• Muli ndi Akaunti Yosunga Zaumoyo (HSA) yokhala ndi High Deductible Health Plan (HDHP) yokhudzana ndi ntchito ya mnzanu kapena mnzanu. Ngakhale mutha kuchotsa ndalama ku HSA mutatha kulembetsa ku Medicare, muyenera kusiya kupereka kwa HSA yanu miyezi isanu ndi umodzi musanapemphe Medicare.
• Ndinu odzipereka omwe akutumikira kudziko lina, komwe mungayenerere SEP ya Medicare magawo A ndi / kapena B.

Medicare magawo C ndi D nthawi yolembetsa yotseguka pachaka

Chaka chilichonse kuyambira pa Okutobala 15 mpaka Disembala 7, kulembetsa momasuka kumapangitsa kuti zisinthe kufalitsa mu Medicare. Mwachitsanzo, mutha:

• kusintha kuchokera ku Medicare yoyambirira (Gawo A ndi B) kukhala dongosolo la Medicare Advantage
• sintha kuchokera pa pulani ya Medicare Advantage kupita ku Medicare yoyambirira
• kujowina, kusiya, kapena kusintha gawo D (dongosolo la mankhwala)
• sintha kuchoka pa pulani imodzi ya Medicare Advantage kupita ku ina

Ngati mutasintha ma Medicare mukamalembetsa chaka chilichonse, kufalitsa kwanu kwakale kumatha ndipo kufalitsa kwanu kwatsopano kudzayamba pa Januware 1 chaka chotsatira.

Izi zikutanthauza kuti ngati mungasinthe pa Novembala 3, 2020, kusinthaku kudzayamba pa Januware 1, 2021.

Kodi kufalitsa kumayamba liti?

Ngati mungalembetse Medicare Part A ndi Medicare Part B panthawi yoyamba kulembetsa m'miyezi itatu yoyamba, kufalitsa kwanu kumayamba tsiku loyamba la mwezi wobadwa.

• Mwachitsanzo: Ngati tsiku lanu lobadwa la 65 ndi June 27, 2020, ndipo mulembetsa ku Medicare mu Marichi, Epulo, kapena Meyi wa 2020, kufalitsa kwanu kudzayamba pa June 1, 2020.

Ngati tsiku lanu lobadwa ligwera tsiku loyamba la mwezi, kufalitsa kwanu kumayamba patsiku loyamba la mwezi mwezi wanu wobadwa usanachitike.

• Mwachitsanzo: Ngati tsiku lanu lobadwa la 65 ndi Seputembara 1, 2020, ndipo mulembetsa ku Medicare mu Meyi, Juni, kapena Julayi wa 2020, kufalitsa kwanu kudzayamba pa Ogasiti 1, 2020.

Ngati simulembetsa nawo gawo la Medicare A ndi B m'miyezi itatu yoyambirira ya nthawi yoyamba kulembetsa:

• Ngati mungalembetse m'mwezi wazaka 65 zakubadwa kwanu, kufalitsa kwanu kumayamba mwezi umodzi mutatha kulembetsa.
• Ngati mungalembetse mwezi umodzi mutatha zaka 65 zakubadwa, kufalitsa kwanu kumayamba miyezi 2 mutatha kulembetsa.
• Ngati mungalembetse miyezi iwiri mutakwanitsa zaka 65 zakubadwa, kufalitsa kwanu kumayamba miyezi itatu mutatha kulembetsa.
• Ngati mungalembetse miyezi itatu mutakwanitsa zaka 65 zakubadwa, kufalitsa kwanu kumayamba miyezi itatu mutatha kulembetsa.

Tengera kwina

Pali magawo anayi olembetsa a Medicare:

1. Nthawi yoyamba kulembetsa: nyengo ya miyezi 7 kuyambira miyezi itatu isanachitike mwezi wanu wa 65 wazaka zakubadwa komanso kuphatikiza mwezi wanu wazaka 65 zakubadwa mpaka miyezi itatu mutatha mwezi wanu wa 65
2. Nthawi yolembetsa yapadera: kutengera momwe zinthu zilili monga dongosolo laumoyo wothandizidwa ndi olemba anzawo ntchito kapena kudzipereka kudziko lina
3. Nthawi yolembetsa: Januware mpaka Marichi chaka chilichonse kwa anthu omwe adasowa nthawi yawo yoyamba kulembetsa
4. Nthawi Yolembetsa Yakale C ndi D yotsegulira: pakati pa Okutobala mpaka koyambirira kwa Disembala, kwa anthu omwe akufuna kusintha kusintha kwa Medicare

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