Nā wā kau inoa ʻo Medicare no 2020: He aha e ʻike ai

Anter

• Kakau inoa mua
• Nā wā kau inoa kūikawā
• ʻO nā ʻāpana Medicare C a me D ka makahiki kākau inoa hāmama
• Āhea e hoʻomaka ai ka uhi ʻana?
• Lawe aku

I kēlā me kēia makahiki, ʻo ka manawa kākau inoa nui no ke kau inoa ʻana no Medicare Part A a me / a i ʻole Medicare ʻĀpana B ʻo Ianuali 1 a Malaki 31.

Inā ʻoe e kau inoa i ka manawa o ke kākau inoa nui ʻana, e hoʻomaka ana kāu uhi ʻana ma Iulai 1.

E hoʻomau i ka heluhelu ʻana e aʻo hou aʻe e pili ana i nā manawa kau inoa kikoʻī a i ka wā e hoʻomaka ai ka uhi no kēlā me kēia o lākou.

Kakau inoa mua

Ke hoʻomaka nei a hoʻomau ma hope o kāu lā hānau 65th, loaʻa iā ʻoe he 7 mau manawa kau inoa mua e kau inoa no ka Medicare Part A (ʻinikua haukapila) a me Medicare Part B (ʻinikua olakino):

• 3 mau mahina ma mua o kou 65th lā hānau
• ka mahina o kou piha makahiki 65
• ʻekolu mau mahina ma hope o kou 65th lā hānau

ʻO kahi laʻana, inā kou lā hānau ʻo Iune 27, 1955, holo kou wā kākau inoa mua mai Malaki 1, 2020, a hiki i Kepakemapa 30, 2020.

Nā wā kau inoa kūikawā

Inā ʻike ʻoe i ka puka aniani o 7 mau mahina o kou wā kau inoa mua, loaʻa paha iā ʻoe kahi manawa kūpono e kau inoa ai no Medicare i kahi wā kau inoa kūikawā (SEP). Hiki iā ʻoe ke koho no SEP inā:

• Ma o kāu hana o kēia manawa, uhi ʻia ʻoe ma lalo o kahi hoʻolālā olakino pūʻulu, e ʻae iā ʻoe e kau inoa i kēlā me kēia manawa ma waho o kāu manawa kau inoa mua no nā ʻāpana Medicare A a me / a i ʻole B. Kūpono ʻoe no kēia SEP inā ʻo ʻoe a ʻo kāu wahine paha (a i ʻole inā ua kīnā ʻoe, he lālā o ka ʻohana) ke hana nei a, ma muli o kēlā hana, uhi ʻia ʻoe e kahi hoʻolālā olakino hui ma o ka luna hana.
• ʻO kāu hana a i ʻole ka papa olakino hui mai kēlā hana i kēia manawa e pau, a laila loaʻa iā ʻoe kahi SEP 8 mau mahina e hoʻomaka nei i ka mahina ma hope o kēlā mau hoʻopau ʻana. ʻAʻole manaʻo ʻia nā hoʻolālā olakino COBRA a me nā retiree i ka uhi ʻana ma muli o ka hana o kēia manawa, no laila ʻaʻole ʻoe e koho no kahi SEP ke pau kēlā uhi.
• Loaʻa iā ʻoe kahi moʻokāki mālama ola (HSA) me kahi hoʻolālā olakino kiʻekiʻe loa (HDHP) e pili ana i kāu ʻoihana a kāu kāne paha. ʻOiai hiki iā ʻoe ke huki kālā mai kāu HSA ma hope o ke kau inoa ʻana ma Medicare, pono ʻoe e haʻalele i ka hāʻawi ʻana i kāu HSA ma kahi liʻiliʻi o 6 mau mahina ma mua o ka noi ʻana no Medicare.
• He manawaleʻa ʻoe e lawelawe ana i kahi ʻāina ʻē, kahi e hiki ai iā ʻoe ke kūpono no kahi SEP no nā ʻāpana Medicare A a me / a i ʻole B.

ʻO nā ʻāpana Medicare C a me D ka makahiki kākau inoa hāmama

I kēlā me kēia makahiki mai ʻOkakopa 15 a hiki i Kēkēmapa 7, kahi papa inoa hāmama e hiki ai ke hoʻololi i ka uhi ma waena o Medicare. ʻO kahi laʻana, hiki iā ʻoe ke:

• hoʻololi mai ka Medicare kumu (Māhele A a me B) i kahi hoʻolālā Medicare Advantage
• e hoʻololi mai kahi hoʻolālā Medicare Advantage i Medicare kumu
• hui, hoʻokuʻu, a kuapo paha i ka ʻāpana D (hoʻolālā lāʻau lāʻau kuhikuhi)
• e kuapo mai kekahi Medicare Advantage plan i kekahi

Inā hoʻololi ʻoe i kāu uhi Medicare i ka manawa o ke kākau inoa hāmama ʻana, e pau ana kāu uhi kahiko ʻana a e hoʻomaka ana kāu uhi ʻana ma Ianuali 1 o ka makahiki aʻe.

ʻO kēia ke kumu inā ʻoe e hoʻololi i Nowemapa 3, 2020, e hoʻomaka kēlā hoʻololi ma Ianuali 1, 2021.

Āhea e hoʻomaka ai ka uhi ʻana?

Inā ʻoe e kau inoa no ka Medicare Part A a me Medicare Part B i ka manawa o kou kau inoa mua ʻana he 3 mahina, e hoʻomaka ana kāu uhi ʻana ma ka lā mua o kou malama hānau.

• Laʻana: Inā kou lā hānau 65th ʻo Iune 27, 2020, a kau inoa ʻoe no Medicare i Malaki, ʻApelila, a Mei paha o 2020, e hoʻomaka ana kāu uhi ʻana ma Iune 1, 2020.

Inā hāʻule kou lā hānau i ka lā mua o ka mahina, hoʻomaka kāu uhi ʻana i ka lā mua o ka mahina ma mua o kou mahina hānau.

• Laʻana: Inā kou lā hānau 65th ʻo Kepakemapa 1, 2020, a kau inoa ʻoe no Medicare i Mei, Iune, a i ʻole Iulai o 2020, e hoʻomaka ana kāu uhi ʻana ma ʻAukake 1, 2020.

Inā ʻaʻole ʻoe e kau inoa no nā ʻaoʻao Medicare A a me B i loko o nā mahina 3 mua o kou wā kākau inoa mua:

• Inā kau inoa i ka mahina o kāu lā hānau 65th, e hoʻomaka ana kāu uhi ʻana ma ka mahina 1 ma hope o kou kau inoa ʻana.
• Inā kau inoa i ka mahina ma hope o kou 65th lā hānau, e hoʻomaka ana kāu uhi ʻana i 2 mau mahina ma hope o kou kau inoa ʻana.
• Inā kau inoa i 2 mau mahina ma hope o kou 65 makahiki hānau, e hoʻomaka ana kāu uhi ʻana i 3 mau mahina ma hope o kou kau inoa ʻana.
• Inā kau inoa i 3 mau mahina ma hope o kou 65th lā hānau, e hoʻomaka ana kāu uhi ʻana i 3 mau mahina ma hope o kou kau inoa ʻana.

Lawe aku

ʻEhā mau manawa kau inoa Medicare:

1. Ke kau inoa mua: kahi manawa 7-mahina e hoʻomaka ana i 3 mau mahina ma mua o kou 65th lā hānau a me ka hui pū ʻana me kou 65th lā hānau ma o 3 mau mahina ma hope o kou 65th lā hānau
2. Wā kākau inoa kūikawā: ma muli o nā kūlana e like me kahi hoʻolālā olakino pūʻulu hoʻonohonoho a hana manawaleʻa paha i kahi ʻāina ʻē
3. Wā kākau inoa nui: Ianuali a Malaki Malaki i kēlā me kēia makahiki no ka poʻe i hala i kā lākou kau inoa mua
4. ʻO nā ʻāpana makahiki C a me D e wehe nei i ke kau inoa inoa: ma waena o ʻOkakopa a i ka mua o Kekemapa, no ka poʻe e pono ana e hoʻololi i ka uhi ma waena o Medicare

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