Ukwazi ukuthi uzofaka nini isikhathi sokufaka isicelo se-Medicare Kungakusindisa Izinkulungwane
Ukubhalisa ngemuva kwe-Medicare kungakubiza, ngokoqobo. Izinhlawulo zokukhokha zikhokhiswa uma ubhalisa esikhathini esidlule sokuqala sokubhaliswa kwakho kokuqala (IEP). Lezo zimali zifakiwe emakhokheni akho ekhokhwa nyangazonke iminyaka futhi kwezinye izimo, noma nje uma unayo Medicare. Lokho kungamakhulu kuya ezinkulungwaneni zamaholo akho atholakele kanzima.
Siyabonga ubuhle bezinkathi zokubhalisa ezikhethekile (SEP) ezikuvumela ukuba ubhalise ngemuva kwe-IEP yakho ngaphandle kokubhekana nezinhlawulo ezisheshayo.
Inkathazo ungase ucabange ukuthi ufanelekile kwi-SEP uma ungenjalo. Lezi amawindi ama-golden amathuba okudingeka ukwazi ngawo.
Isikhathi sakho sokuqala sokubhalisa
Ngaphambi kokuba sigcine ngokujulile ngezikhathi zokubhalisa ezikhethekile, kufanele uqale uqonde ukuthi izikhathi zokubhalisa ze-Medicare zisebenza kanjani. Ukuzalwa kwakho kwezinsuku ezingu-65 kuyisihluthulelo. IEP yakho iqala izinyanga ezintathu ngaphambi futhi iphele izinyanga ezintathu emva kwenyanga yakho yokuzalwa, ikunike izinyanga eziyisikhombisa ukuze ubhalise. Isibonelo, uma usuku lwakho lokuzalwa ngo-Juni 8, i-IEP yakho iqala ngoMashi 1 futhi iphele ngo-Septhemba 30.
Izindaba ezinhle: Uma uthola izinzuzo ze-Social Security lapho uthola iminyaka engu-65 ubudala, uzobhaliswa ngokuzenzekelayo ku-Medicare. Awudingi ukukhathazeka ngezijeziso eziseduze.
Izindaba ezimbi: Uma ungatholi Ukuvikeleka Kwezenhlalakahle noma izinzuzo ze-Railroad Retirement Board (RRB) uma uphendukela eminyakeni engu-65 ubudala futhi ungalokothi ubhalise ngesikhathi se-IEP yakho, usezingeni eliphezulu lezinhlawulo eziphuthumayo.
Uma ufaneleka kuM Medicare ngokusekelwe ekukhubazekeni , i-IEP yakho ayixhomekile eminyakeni yobudala. Izoxhomeka esimweni sakho sezempilo.
- Uma uthola ukuxilongwa kwe- amyotrophic lateral sclerosis (ALS) , uzobhaliswa ngokuzenzekelayo ku-Medicare inyanga izinzuzo zakho zokukhubazeka ziqala. Ngeke ube ngaphansi kwezigwegwe ezisheshayo.
- Uma uthola ukuxilongwa ngesifo sokuqeda isiteleka sokuphela (isigaba se-ESRD), okusho ukuthi udinga i- dialysis noma udinga ukufakelwa kwezinso, kudingeka ufake isicelo se-Medicare ngokwakho kodwa ungafaka isicelo uma usukholelwa futhi kuze kube izinyanga ezintathu ngaphambi kokuba ubhekane nezijeziso eziseduze.
- Uma uthola Umshuwalense Wokukhubazeka Kwezenhlalakahle (SSDI) noma izinzuzo zeRRB zenye ukukhubazeka, ufanelekile ku-Medicare ngenyanga yesi-25 ukuthola lezo zinzuzo futhi uzobhaliswa ngokuzenzakalelayo ohlelweni. Usuyikhanda lezinkokhelo zezinhlawulo eziseduze.
Phuma: Uma unqabela ukuhlinzekwa kwe-Medicare ngemuva kokufaneleka, noma ngabe unokukhubazeka, uzobhekana nezinhlawulo eziseduze uma ukhetha ukubhalisa kamuva.
Uma Uthola Ukunakekelwa Kwezempilo KuMqashi Wakho
Abantu abaningi bathola ukunakekelwa kwezempilo ngokusebenzisa abaqashi babo. Lolu khetho luxhaswa ngumsebenzi wakho futhi luvame ukubiza kakhulu kunokuthenga umshuwalense wezempilo ngokwakho. Kwezinye izimo, ungase ufune ukugcina izinhlelo zakho ezixhaswe ngumqashi esikhundleni se-Medicare.
Isibonelo, ungathola ukuhlinzekwa komsebenzi kangcono ohlelweni lwakho lwamanje. Ama-premium akho kanye nama-deductibles angabiza kancane. Ukwehla ukubhaliswa kweMedare kungakusindisa ekukhokheni ama-premium amabili.
Izindaba ezinhle: Ungase ufanelekele i-SEP uma unomsebenzi wezempilo oxhaswe ngumqashi.
Izindaba ezimbi: Akuzona zonke izinhlelo zempilo ezixhaswe ngumqashi ezifanelekela i-SEP.
Okokuqala, uvumelekile kuphela i-SEP uma umqashi wakho eqasha abasebenzi abangu-20 noma ngaphezulu noma okulinganayo. Abantu abasebenzela izitolo ezincane zamama ne-pop abaphuma enhlanhleni. Akuboni kahle.
Okwesibili, i-SEP yakho iqala ngosuku oshiya umsebenzi wakho noma ukuhlinzekwa kwezempilo okuxhaswe ngumqashi, noma yikuphi okuza kuqala. Ake siphinde, noma yikuphi okuza kuqala . Unezinyanga eziyisishiyagalombili ukungena ngemvume ku-Medicare kusukela kulolu suku. Ukubhalisa kamuva kunalokho kuzothatha izinhlawulo ezisheshayo.
Qaphela: Ngisho noma umsebenzi wakho uqasha inani elifanele labaqashi, usengase uqhubeke ungene ngemvume ukuze ubhalisele i-Medicare. Abanye abaqashi badinga ukuba ubhalise ku-Medicare ngokushesha uma ufanelekile noma bazokwehlisa noma banqume izinzuzo zakho ngokuphelele. Qinisekisa ukuthi ukhuluma nomqashi wakho mayelana nokuthi baqhuba kanjani uhlelo lwabo lwezempilo ukuze wenze isinqumo esikoleni.
Uma Ukhona COBRA
Umthetho Wokuhlanganiswa Kwemali Yezokuhlaziywa Kwezimali Ze-Omnibus (COBRA) owasungulwa ngo-1985 futhi ikuvumela ukuba uqhubekele ukuhlinzekwa ohlelweni lwezempilo oluxhaswe ngumqashi ngisho nangemva kokushiya lowo msebenzi. Umqashi usakunikeza izinga lokunciphisa inani eliphansi, ngisho noma lelozinga liphakeme kunalokho okwakusasebenza ngenkathi usasebenza. Lokhu kukuvumela ukuba ukhokhe kancane ohlelweni lwezempilo olufanayo kunalokho ongathanda ukukwenza uma uzithenga njengeluhlelo oluyimfihlo.
Ubude besikhokhelo se-COBRA sinqunyelwe, ngokuvamile kuya ezinyangeni ezingu-18. Ngokwalokho, lokho kufanele kube yisikhathi esanele sokuba uthole olunye ulwazi lokunakekelwa kwezempilo, kungakhathaliseki lokho kube ngomunye umqashi noma ngisho ngenkathi ulindele izinzuzo zakho zeMedarela ukukhahlela. Nokho, izenzakalo ezithile ezifanelekayo zingakuvumela ukuba udlulise lokho kuhlanganisa kuze kufike ku-36 izinyanga.
Izindaba ezinhle: Ukutholakala kwe-COBRA kungakuvumela ukuthi unwebe izinzuzo zempilo zakho ezixhaswe ngumqashi ngemuva kokushiya umsebenzi wakho.
Izindaba ezimbi: Ukutholakala kwe-COBRA akusho ukuthi kutholakala ukuhlinzeka ngempilo ekhokhelwa umqashi kumama kaMedare.
Enye yezinzuzo zokuhlinzeka nge-COBRA ukuthi ikuvumela ukuthi uqhubeke nokuhlinzekwa kwezempilo kumlingani wakho nabathembekile , kanti i-Medicare ihlanganisa kuphela izidingo zakho zokunakekelwa kwezempilo. Ngokwezezimali, ungase ube nesinqumo esikhulu ezandleni zakho. Ingabe kufanele u-forego Medicare uthathe i-COBRA yedwa ukuze unciphise izindleko zomndeni wakho? Noma kufanele ukhokhe izinkokhelo kokubili?
Uma ufanelekile ku-Medicare phakathi nenzuzo yakho ye-COBRA, lokhu kuthinta ukukhishwa kwe-COBRA kwabathandekayo bakho. Ukutholakala kwe-COBRA kungadluliselwa kwabathengi bakho ezinyangeni ezingu-36 kusukela ngosuku ohlangabezana ngalo nokufaneleka kweMedare.
Qaphela: Khumbula lo mthetho mayelana "noma yikuphi okuza kuqala" ohlelweni oluxhaswe ngumqashi SEP? Uma ushiya umsebenzi wakho futhi uqhubeke nezinzuzo zezempilo ne-COBRA, izidalwa zakho ze-SEP ngosuku oshiya umsebenzi wakho, kungakhathaliseki ukuthi ususiwe noma uthathe umhlalaphansi, hhayi usuku oluzophela ngalo izinzuzo ze-COBRA.
Ungakanani Okuyokhokha Ezikhathini Ezikude
Izijeziso zesikhashana zifaka phezulu futhi zishesha. Ungenzi iphutha okungenzeka ukhokhele iminyaka ezayo.
| Ingxenye A | Ingxenye B | |
|---|---|---|
| Izindleko | Amaphesenti angu-10 e-premium yenyanga | Amaphesenti angu-10 afakwe kwi-premium yenyanga yonke yonyaka yokufaneleka okulahlekile |
| Isikhathi | Ngokuphindwe kabili inani leminyaka yokulinganiswa okungabanjwanga | Uma nje unayo Medicare |
| Ukubalwa | 0.10 x Premium | 0.10 x Premium X # Iminyaka yokufaneleka okulahlekile |
| Isibonelo | Uma ufake isicelo seminyaka engu-3 ngemuva kokufaneleka, i-10% izofakwa kwi-premium yakho yenyanga yonke iminyaka engu-6. | Uma ufake isicelo seminyaka engu-3 ngemuva kokufaneleka, u-30% uzowengezwa kuma-premium akho ngenyanga. |
AmaMelika athola amaphrimiyamu awo eNgxenye A mahhala uma bona noma oshade naye basebenze ngaphezulu kweminyaka engama-40 (iminyaka eyishumi) emisebenzini ekhokhelwa intela. Amaphesenti angu-10 ekhululekile yi-zero! Ngale ndlela, izinhlawulo zeNgxenye A azitholakali ekubambeni izinkinga zesikhathi eside zezezimali. Izingxenye zeB B , noma kunjalo, zigcina uma nje unayo i-Medicare futhi ingaba nethonya elikhulu esikhwameni sakho.
Njengoba njalo, kukhona okuhlukile. Uma ngabe ufanelekile ku-Medicare ngokusekelwe ekukhubazekeni futhi wathweswa izigwegwe eziseduze ngaphambi kokuba uphenduke iminyaka engu-65 ubudala, lezi zijeziso zithethelelwe uma uvula iminyaka engu-65 ubudala. Unikezwa isicwecwe esihlanzekile, umnikelo ongavamile ovela kuhulumeni wesifundazwe.
> Imithombo:
> Ukuqhutshwa kokuqhubeka kwe-COBRA. Amasevisi we-website ye-Medicare ne-Medicaid. https://www.cms.gov/CCIIO/Programs-and-Initiatives/Eminye-Insurance-Protections/cobra_fact_sheet.html.
> Umphakathi wabaqashi: Ulwazi mayelana nokubhalisa kwe-Medicare. Amasevisi we-website ye-Medicare ne-Medicaid. https://www.cms.gov/Outreach-and-Education/Find-Your-Provider-Type/Employers-and-Unions/Employer-community.html.
> Izimo ezikhethekile (Izikhathi Ezibalulekile Zokubhalisa). Iwebhusayithi ye-Medicare.gov. https://www.medicare.gov/sign-up-change-plans/when-can-i-join-a-health-or-drug-plan/special-circumstances/join-plan-special-circumstances.html.