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How and when do I sign up for Medicare? The best time to sign up is during your initial six-month enrollment window, starting three months before you turn 65 and ending three months after. Coverage starts as early as the first day of the month you turn 65. If you don't sign up during the window, you must wait until the next annual enrollment period, which runs from Jan. 1 to March 31. You won't be covered until July 1 of that year. Medicare will mail you a membership card and an enrollment package three months before your 65th birthday. Part B: It's voluntary. You don't have to sign up, but more than 95 percent of people do so. The best time to sign up is during your initial six-month window. If you pass up the chance, there's a monthly penalty for life if you decide to sign up later. The penalty is that your premium rises by 1 percent for every month you delayed enrolling. You don't pay a penalty for passing up part B if you have health coverage through your job or a retiree health program. Be sure to check with Social Security before turning down part B, to make sure you won't pay the penalty. After you stop working or lose employee coverage, must enroll in parts B and D within eight months to avoid the penalty. Part D: You enroll annually. This, too, is voluntary. You can decide every year if you want drug coverage. The enrollment period runs from Oct. 15 to Dec. 7. In part D, as with part B, you pay a monthly penalty for life if you pass up your initial chance to sign up. You don't pay the penalty if you had "creditable" (equivalent) drug coverage from another source, such as an employer or Veterans Affairs. The penalty is your premium rises by 1 percent for every month you delayed enrolling. Medicare Advantage: You enroll annually. You can move in and out of MA plans yearly. The enrollment period is the same as for part D, Oct. 15 through Dec. 7. If you later discover you don't like your choice, you can switch. Your window lasts 45 days, until Feb. 15. You can only switch from an MA plan back to original Medicare plus a drug plan. You can't switch to another MA plan. Medigap: Once you buy a policy, it remains in effect unless you drop it or stop paying. A word about automatic renewals: Medicare Advantage and prescription drug plans will automatically renew for the next year on Dec. 31 if you do nothing. They call it a convenience. But experts urge you not to just renew blindly, even if you like your present coverage. Double-check whether your plan will still be best for you next year. Yes, it's a nuisance to do the research, but it's worth it because plans change prices and coverage every year. What's right one year may be a bad fit the next year. At the least, find out if your plan still covers the doctors and hospitals you like. Find out if it still covers drugs you take or has imposed new restrictions on drugs. Of course, check the monthly premium, deductibles and co-pays.
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Dioje također poznat kao " bolnice pokrića ", a to pomaže platiti troškove bolnicama i klinikama . Budući da diofinancira Medicare poreza da svaki zaposlenik u SAD-u mora platiti , njegova pokrivenost je besplatan, a upis je automatski kada okrenete 65 . Međutim , za one građane koji nisu platili porez na Medicare dok je radio , kao što su samo- zaposlene osobe , oni nisu podobni za premium bez dijela A , ali oni se mogu prijaviti i platiti za to pod određenim okolnostima . Da biste dobili dio A pokrivenost , morate biti stariji od 65 godina , upisuje se u dijelu B i zadovoljiti zahtjeve za državljanstvom . Ljudi pod 65 mogu pristupiti tome kako je dobro , ako su osobe s invaliditetom . Kako mogu podnijeti zahtjev za drugi Medicare dijelovima? Dijelu B , također poznat kao " Zdravstveno osiguranje ", što se automatski upisuje kad napunite 65 , a prijava nije potrebna . Budući da morate platiti mjesečne premije za Dio B , ako to ne želite , možete se odlučiti da ga odbaciti . Dio C je poznat kao " Medicare Advantage ", a upis je besplatan . Za prijavu za dio C , morate se obratiti planove ste zainteresirani i primijeniti izravno s tvrtkom putem svoje web stranice ili telefonom . Da biste se prijavili za dio D , morate napraviti plan koji vas zanima i završiti prijavu papira ili nazovite plana usluga. Kad mogu podnijeti zahtjev za Medicare ? automatski upisuje se na dio A i Dio B kad napunite 65 . podnijeti zahtjev za dio C , možete to učiniti kad napunite 65 ili u bilo koje vrijeme , nakon što su 65 godina . Međutim , morate podnijeti samo jednom godišnje , budući da dio C planove imaju pokrivenost koja traje godinu dana . Da biste se prijavili za dio D , morate to učiniti u upisnom roku . Upisnom roku počinje tri mjeseca prije uključite 65. i traje tri mjeseca , nakon što napunite 65 . Ako ja ne primjenjuju se u vremenu , trebam platiti naknada za zakasninu ? Ako se odlučite da ispadne dio B kad napunite 65 i odlučite primijeniti kasnije , to možete učiniti u razdoblju opće primjene , ali ćete morati platiti veće premije kao kazna za svog pokojnog upis . Međutim , ako imate pokrivenost kroz poslodavca ili sindikalnog zdravstveni plan , možete primijeniti tijekom posebne upisnom roku , bez plaćanja kasno kazne . Dio D također ima kasno kazne za ne primjenu tijekom upisnom roku . Ako se odlučite prijaviti za dio D kasnije , morate platiti kaznu u iznosu od 1 posto od mjesečne premije koju plaćate . From:http://hr.265health.com/healthcare-industry/health-insurance/1016089131.html