Ukwazi ixesha lokufaka isicelo kwi-Medicare unokukunceda njani amawaka
Ukubhalisa ngokukhawuleza kwi-Medicare kunokukuhlawula, ngokoqobo. Izahlwayo ezihlawuleyo zihlawuliswa ukuba ubhalise ixesha elidlulileyo lokuBhaliswa kwexesha lokuQala lokuQala eliPhambili (IEP). Lezo ntlawulo zifakwe kwiimali-mali zenyanga zenyanga kunye nakwezinye iimeko, nangona nje unamayeza. Leyo ngamakhulu amawaka eedola zakho ezilukhuni.
Ndiyabulela ubuhle kwiiNyanga zokuBhalisa eziKhethekileyo (SEP) ezivumela ukuba ubhalise emva kwe-IEP yakho ngaphandle kokujongana nezigwebo ezikhawulezileyo.
Ingxaki unokucinga ukuba ufanelekile kwi-SEP xa ungekho. Lezi ngeefestile zegolide zithuba omele ukwazi ngazo.
Ixesha lokuQala lokuQala lokuQala
Ngaphambi kokuba sijonge ngokungakumbi kwiiNyanga zokuBhalisa eziKhethekileyo, kufuneka uqale uqonde indlela amaxesha okubhalisa ama-Medicare asebenza ngayo. Ukuzalwa kwakho kweminyaka engama-65 kuyintloko . IEP yakho iqala inyanga ezintathu ngaphambi kokuba iphele ezintathu inyanga emva kwenyanga yakho yokuzalwa, ikunike iinyanga eziyisixhenxe ukuze ubhalise. Umzekelo, ukuba lwakho usuku lokuzalwa ngoJuni 8, i-IEP yakho iqala ngo-Matshi 1 kwaye iphelile ngo-Septemba 30.
Iindaba ezilungileyo: Ukuba ufumana iinzuzo zoKhuselo lweNtlalo xa uvula iminyaka engama-65 ubudala, uya kubhaliswa ngokuzenzekelayo kwi-Medicare. Awunakukhathazeka malunga nezohlwayo ezikhawulezileyo.
Iindaba ezimbi: Ukuba awufumani i-Social Security okanye i-RRB yeBhodi yeRhafu yeRhafu (iRRB) xa uneminyaka eyi-65 ubudala kwaye ungaphumeleli ukungena ngemvume ngexesha lakho le-IEP, ulungele ukugwetywa kwexesha elide.
Ukuba ufanelekile kwi-Medicare esekelwe ukukhubazeka , i-IEP yakho ayixhomekeke kwiminyaka. Kuya kuxhomekeka kwisimo sakho sempilo.
- Ukuba unokuxilongwa kwe- amyotrophic lateral sclerosis (ALS) , uza kubhaliswa ngokuzenzekelayo kwi-Medicare ngenyanga inyanga zakho zokukhubazeka ziqala. Awuyi kuba phantsi kwezohlwayo.
- Ukuba unokuxilongwa kwesifo se-renal esigxininiswaneni sokugqibela (ESRD), oku kuthetha ukuba ufuna i- dialysis okanye unesidingo sokutshintshwa kwezintso, kufuneka ufake isicelo se-Medicare ngokwakho kodwa unokufaka isicelo emva kokuba ufumene unyango kwaye ufike kwiinyanga ezintathu phambi kokuba ubhekane nezohlwayo ezikhawulezileyo.
- Ukuba ufumana Intshuwalense yoKhuseleko loKhuseleko lweNtlalo (SSDI) okanye iRRB inzuzo yesinye ukukhubazeka, uvumelekile kwi-Medicare ngenyanga yesi-25 ukufumana ezo ntlawulo kwaye uya kubhaliswa ngokuzenzekelayo kwinkqubo. Uyakhupha i-hook yokugwetywa kwexesha elide.
Phuma: Ukuba unyanqaba ukukhutshwa kwe-Medicare emva kokuba ufanelekile, nokuba ungenakho ukukhubazeka okanye uya kuhlangabezana nezigwebo zokugqibela xa ukhetha ukubhalisa kamva.
Xa Ufumana Unonophelo LwezeMpilo KuMqeshi Wakho
Abantu abaninzi bafumana unyango lwezempilo ngokusebenzisa abaqeshi babo. Olu khetho luxhaswa ngumsebenzi wakho kwaye kaninzi lubiza kakhulu kunokuthenga i-inshorensi yempilo ngokwakho. Kwezinye iimeko, unokufuna ukugcina izicwangciso zakho ezixhaswe ngumqashi endaweni ye-Medicare.
Umzekelo, unokufumana uncedo olungcono lweenkonzo kwicebo lakho langoku. Iiprayimali zakho kunye neentlawulo ezidityanisiweyo zingadla ixabiso. Ukulahla ukubhaliswa kwe-Medicare kunokukusindisa ekuhlawuleleni iisethi zee-premiums ezimbini.
Iindaba ezilungileyo: Unakho ukufaneleka kwi-SEP ukuba unesicwangciso sezempilo esixhaswe ngumqeshi.
Iindaba ezimbi: Azikho zonke izicwangciso zempilo ezixhaswe ngumqeshi ezifanelekayo kwi-SEP.
Okokuqala, uvumelekile ukuba ube ne-SEP ukuba umqeshi wakho uqeshe abasebenzi abangama-20 okanye ngaphezulu okanye ixesha elilinganayo. Abantu abasebenza kwiintengiso ezincinci zamama kunye nee-pop abanakho inhlanhla. Akubonakali kulungile.
Okwesibini, i-SEP yakho iqala ngomhla oshiya umsebenzi wakho okanye ukuxhaswa kwempilo yakho ngemali yomqeshi, nokuba yiyiphi into efika kuqala. Makhe sibuye, nantoni na kuqala . Unangeenyanga ezisibhozo ukuba ubhalisele kwi-Medicare ukusuka kulo mhla. Ukubhalisa emva koko kuya kubangela ukuhlawulwa kwexesha.
Qaphela: Nangona umsebenzi wakho uqesha inani elifanelekileyo labaqashi, usenokuba usesikweni ukuba ubhalisele kwi-Medicare. Abanye abaqashi bafuna ukuba ubhalise kwi-Medicare ngokukhawuleza xa uvumelekile okanye baya kunciphisa okanye banqande iifundo zakho ngokupheleleyo. Qiniseka ukuthetha nomqeshi malunga nendlela abaqhuba ngayo isicwangciso sabo sempilo ukuze wenze isigqibo esithile.
Xa Uhlala kwiCOBRA
Umthetho wokuQiniselana noHlahlo lwabiwo-mali lwe-Omnibus (COBRA) wenziwa ngo-1985 kwaye uvumela ukuba uqhubekele ukuhanjiswa kwiplani yezempilo exhaswe ngumqeshi nangemva kokuba ushiye umsebenzi. Umqeshi usakunika i-premium rate rate, nangona ukuba le nqanaba liphezulu kunelo xesha usebenza. Oku kukuvumela ukuba ukhokhe imali encinane kwisicwangciso sonyango esifanayo kunokuba ungathanda ukuba uthenge njengesicwangciso sobucala.
Ubungakanani benkxaso yeCOBRA iyancipha, ngokuqhelekileyo ukuya kwiinyanga ezili-18. Kwimfundiso, oko kufuneka kube yithuba elaneleyo lokufumana ezinye iinkonzo zokunakekelwa kwempilo, nokuba ngaba ngowomnye umqeshi okanye nangona ulinde ukufumana ityala kwi-Medicare yakho. Nangona kunjalo, iziganeko ezithile ezifanelekileyo ziya kukuvumela ukuba ungezelele loo ngxelo ukuya kuma-36 iinyanga.
Iindaba ezilungileyo: Ukukhutshwa kwe-COBRA kunokukuvumela ukuba wandise iinzuzo zakho zempilo emva kokushiya umsebenzi wakho.
Iindaba ezimbi: Inkcazo ye-COBRA ayibonakali njengendlela yokuxhaswa kwempilo kwi-Medicare.
Enye yeenzuzo ze-COBRA ngolu hlobo kukuba kukuvumela ukuba uqhubekele ukukhutshwa kwempilo kumlingane wakho kunye nabaxhomekeke kuyo , kanti i-Medicare ihlanganisa kuphela iimfuno zakho zonyango. Ezezimali, unokuba nesigqibo esikhulu kwisandla sakho. Ngaba ufanele ubeke i-Medicgo ngaphambili kwaye uthathe i-COBRA yodwa ukuze unciphise iindleko zentsapho yakho? Okanye ngaba ufanele uhlawule iipriyamu zombini?
Ukuba ufanelekile kwi-Medicare ngethuba lakho le-COBRA, oku kuchaphazela ukukhutshwa kwe-COBRA kwabathandekayo bakho. Inkcazo ye-COBRA inokwandiswa kwabathengi bakho ukuya kwiinyanga ezingama-36 ukususela ngomhla odibana ne-Medicare eligunyazisiweyo.
Qaphela: Khumbula ukuba umthetho "malunga naluphi na oza kuqala" kwisicwangciso se-SEP esixhaswe ngumqeshi? Ukuba ushiya umsebenzi wakho kwaye uqhubeke neenzuzo zempilo kunye neCOBRA, izidalwa zakho ze-SEP ngosuku oshiya umsebenzi wakho, nokuba unqatshelwe okanye uthathe umhlalaphantsi, awuyikuphela iminikelo yakho ye-COBRA.
Uninzi kangakanani oya kuhlawula ngezohlwayo ezilandelayo
Izigwebo ezihlawuleyo zongeza kwaye zikhawuleze. Musa ukwenza impazamo enokuba unokuhlawula iminyaka ezayo.
| Icandelo A | Icandelo B | |
|---|---|---|
| Iindleko | Iipesenti ezili-10 ze-premium yenyanga | Iipesenti ezili-10 zongezwa kwiprimiyamu yenyanga nganye yonyaka wokufaneleka okuphosakeleyo |
| Ubude | Ngokuphindwe kabini kwinani leminyaka yokuphulukana nokulahlekelwa | Ngethuba nje unayo i-Medicare |
| Ukubalwa | 0.10 x Premium | 0.10 x I-Premium X # Iminyaka yokufaneleka okulahlekileyo |
| Umzekelo | Ukuba ufake isicelo seminyaka emi-3 emva kokuba ufanelekile, i-10% iya kwongezwa kwi-premium yakho yenyanga ye-6. | Ukuba ufake isicelo seminyaka emi-3 emva kokuba ufanelekile, i-30% iya kudibaniswa kwiiprayimari zakho zenyanga emva nje kokuba unayo i-Medicare. |
Abantu baseMelika bafumana iiprayimenti ze- Part A zabo mahhala ukuba bona okanye iqabane labo baye basebenza ngaphezu kwe-40 kwikota (iminyaka eyi-10) kwiNgqesho ehlawulweyo yerhafu. Iipesenti ezili-10 zamahhala zero! Ngale ndlela, iCandelo le-A penalties alinakunokwenzeka ukufaka isandla kwiinkxaso zemali zangexesha elide. Izahlulelo zeCandelo B , nangona kunjalo, ekugqibeleni nje ngokuba unayo i-Medicare kwaye unokuba nefuthe elikhulu kwi-wallet yakho.
Njengaxa onke, kukho okungafaniyo. Ukuba ufanelekile kwi-Medicare esekelwe ukukhubazeka kwaye waxhaswa emva kweeminyaka ezingama-65 ubudala, ezi zihlomelo ziyaxolelwa xa uvula iminyaka engama-65 ubudala. Unikwe isicwecwe esicocekileyo, umrhumo ongaqhelekanga ovela kurhulumente wephondo.
> Imithombo:
> Umgangatho wokuqhubeka weCOBRA. Amacandelo kwiwebhusayithi ye-Medicare kunye neMedicaid. https://www.cms.gov/CCIIO/Programs-and-Initiatives/Eminye-Insurance-Protections/cobra_fact_sheet.html.
> Ummandla wabaqeshi: Ulwazi malunga nokubhalisa kwe-Medicare. Amacandelo kwiwebhusayithi ye-Medicare kunye neMedicaid. https://www.cms.gov/Outreach-and-Education/Find-Your-Provider-Type/Employers-and-Unions/Employer-community.html.
> Iimeko ezikhethekileyo (Iirejista eziBhalisiweyo eziKhethekileyo). KwiWebhare.gov website. https://www.medicare.gov/sign-up-change-plans/when-can-i-jojoin-a-health-or-drug-plan/special-circumstances/join-plan-special-circumstances.html.