Linako tsa ho ingolisa tsa Medicare tsa 2020: Seo u lokelang ho se tseba

Litaba

• Ngoliso ea pele
• Linako tse khethehileng tsa ho ngolisa
• Likarolo tsa Medicare tsa C le D tsa selemo le selemo tse bulehileng tsa ngoliso
• Koahelo e qala neng?
• Tsa Tsau-tsau

Selemo se seng le se seng, nako ea ngoliso e akaretsang ea ho ingolisa bakeng sa Medicare Part A le / kapa Medicare Part B ke la 1 Pherekhong ho fihlela la 31 Hlakubele.

Haeba u ingolisa nakong ea ngoliso e akaretsang, litaba tsa hau li tla qala ka Phupu 1.

Lula u bala ho ithuta haholoanyane ka linako tse ikhethileng tsa ho ingolisa le hore na tšireletso e qala neng bakeng sa e mong le e mong oa bona.

Ngoliso ea pele

Ho qala pele le ho tsoela pele kamora letsatsi la hau la tsoalo la 65, u na le nako ea ho ingolisa ea likhoeli tse 7 ho ingolisa bakeng sa Medicare Part A (inshorense ea sepetlele) le Medicare Part B (inshorense ea bongaka):

• Likhoeli tse 3 pele ho khoeli ea hau ea 65 ea tsoalo
• ka khoeli ea hao ea bo 65
• likhoeli tse tharo kamora khoeli ea hau ea 65 ea tsoalo

Mohlala, haeba letsatsi la hau la tsoalo ke la 27 Phuptjane 1955, nako ea hau ea pele ea ho ingolisa e qala ho tloha ka la 1 Hlakubele 2020 ho fihlela Loetse 30, 2020.

Linako tse khethehileng tsa ho ngolisa

Haeba u hloloheloa fensetere ea likhoeli tse 7 ea nako ea hau ea pele ea ho ngolisa, u ka ba le monyetla oa ho ingolisa Medicare nakong e khethehileng ea ho ngolisa (SEP). U kanna ua tšoaneleha bakeng sa SEP haeba:

• Ka mosebetsi oa hau oa hona joale, u koahetsoe ke leano la sehlopha la bophelo bo botle, ho u lumella ho ingolisa neng kapa neng ka ntle ho nako ea hau ea pele ea ho ngolisa likarolo tsa Medicare A le / kapa B. o holofetse, setho sa lelapa) oa sebetsa mme, ho latela mosebetsi oo, o koahetsoe ke moralo oa sehlopha oa bophelo bo botle ka mohiri.
• Mosebetsi oa hau kapa morero oa bophelo bo botle ba sehlopha ho tloha mosebetsing oo oa hona joale o fela, moo u nang le SEP ea likhoeli tse 8 ho qala khoeling e latelang ho felisoa. Merero ea bophelo bo botle ea COBRA le ho tlohela mosebetsi ha e nkuoe e le litaba tse akaretsang ho latela mosebetsi oa hajoale, ka hona ha o tšoanelehe bakeng sa SEP ha tšireletso eo e fela.
• U na le Ak'haonte ea Polokeho ea Bophelo (HSA) e nang le Morero o Phahameng oa Deductible Health (HDHP) o ipapisitseng le mosebetsi oa hau kapa oa molekane oa hau. Le ha o ka hula chelete ho HSA ea hau kamora ho ingolisa ho Medicare, o lokela ho emisa ho kenya letsoho ho HSA ea hau bonyane likhoeli tse 6 pele o etsa kopo ea Medicare.
• U moithaopi ea sebeletsang naheng esele, eo u ka tšoanelehelang SEP bakeng sa likarolo tsa Medicare A le / kapa B.

Likarolo tsa Medicare tsa C le D tsa selemo le selemo tse bulehileng tsa ngoliso

Selemo se seng le se seng ho tloha ka la 15 Mphalane ho isa ho la 7 Tšitoe, ngoliso e bulehileng e etsa hore ho khonehe ho fetola tšireletso ho Medicare. Mohlala, o ka:

• phetoho ho tloha Medicare ea mantlha (Likarolo A le B) ho ea ho leano la Medicare Advantage
• phetoho ho tloha morerong oa Medicare Advantage ho ea Medicare ea mantlha
• ikopanya, u tlohele, kapa u fetole Karolo ea D (leano la lithethefatsi)
• fetohela ho leano le leng la Medicare Advantage ho ea ho le leng

Haeba u etsa liphetoho tšebelisong ea hau ea Medicare nakong ea ngoliso e bulehileng ea selemo le selemo, tšireletso ea hau ea khale e tla fela mme tlhahiso ea hau e ncha e tla qala ka la 1 Pherekhong selemong se latelang.

Sena se bolela hore haeba o etsa phetoho ka la 3 Pulungoana, 2020, phetoho eo e tla qala ka Pherekhong 1, 2021.

Koahelo e qala neng?

Haeba u ingolisa bakeng sa Medicare Part A le Medicare Part B nakong ea likhoeli tse 3 tsa pele tsa ho ingolisa, tšireletso ea hau e tla qala ka letsatsi la pele la khoeli ea hau ea tsoalo.

• Mohlala: Haeba letsatsi la hau la tsoalo la bo 65 ke la 27 Phuptjane, 2020, 'me u ingolisa Medicare ka Hlakubele, Mmesa, kapa Mots'eanong oa 2020, tšireletso ea hau e tla qala ka la 1 Phuptjane 2020.

Haeba letsatsi la tsoalo la hau le oela ka letsatsi la pele la khoeli, tšireletso ea hau e qala ka letsatsi la pele la khoeli pele ho khoeli ea hau ea tsoalo.

• Mohlala: Haeba letsatsi la hau la tsoalo la bo 65 ke la 1 Loetse 2020, 'me u ingolisa Medicare ka Mots'eanong, Phuptjane kapa Phupu ea 2020, tšireletso ea hau e tla qala ka Phato 1, 2020.

Haeba u sa ingolisetse likarolo tsa Medicare A le B nakong ea likhoeli tse 3 tsa pele u qala ho ingolisa:

• Haeba u ingolisa ka khoeli ea hau ea bo 65, litaba tsa hau li tla qala khoeli e le 'ngoe kamora hore u ingolise.
• Haeba u ingolisa ka khoeli ka mor'a khoeli ea hau ea bo 65 ea tsoalo, tšireletso ea hau e tla qala likhoeli tse 2 kamora hore u ingolise.
• Haeba u ingolisa likhoeli tse 2 kamora khoeli ea hau ea 65 ea tsoalo, tšireletso ea hau e tla qala likhoeli tse 3 kamora ho ingolisa.
• Haeba u ingolisa likhoeli tse 3 kamora khoeli ea hau ea 65 ea tsoalo, tšireletso ea hau e tla qala likhoeli tse 3 kamora ho ingolisa.

Tsa Tsau-tsau

Ho na le linako tse 'ne tsa ho saena tsa Medicare:

1. Nako ea ngoliso ea pele: nako ea likhoeli tse 7 e qalang likhoeli tse 3 pele ho khoeli ea hau ea 65 ea tsoalo le ho kenyelletsa khoeli ea hau ea tsoalo ea 65th ho isa likhoeling tse 3 kamora khoeli ea hau ea 65 ea tsoalo
2. Nako e khethehileng ea ho ngolisa: ho ipapisitsoe le maemo a joalo ka moralo oa sehlopha oa basebetsi oa mohiri kapa ho ithaopa naheng esele
3. Nako ea ho ingolisa ka kakaretso Pherekhong ho fihlela Hlakubele selemo se seng le se seng bakeng sa batho ba hlolohetsoeng nako ea bona ea pele ea ngoliso
4. Nako ea ngoliso ea selemo le selemo ea likarolo tsa C le D: bohareng ba Mphalane ho fihlela mathoasong a Tšitoe, bakeng sa batho ba hlokang ho fetola tšireletso ho Medicare

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