The final
rule (CMS-4199-F) can be downloaded from the Federal Register at:https://www.federalregister.gov/public-inspection/2022-23407/medicare-program-implementing-certain-provisions-of-the-consolidated-appropriations-act-2021-and
Section
120 of the CAA – Beneficiary Enrollment Simplification
In
general, under current rules for Medicare premium Part A and Part B, the date
when an individual’s coverage becomes effective depends on when they enroll:
·
If an individual enrolls during any of the first three months of
their Initial Enrollment Period (IEP), their coverage will start the first
month of eligibility (e.g., age 65).
·
If an individual enrolls during their IEP in the month they
become eligible, their coverage will start the month after they enroll.
·
If an individual enrolls during any of the last three months of
their IEP, their coverage will start 2-3 months after they enroll.
·
If an individual enrolls during the General Enrollment Period
(GEP), which runs from January 1st through March 31st every year, their
coverage will start July 1st.
As mandated in Section 120 of the CAA
and finalized in this rule, beginning January 1, 2023, Medicare coverage
will become effective the month after enrollment for individuals enrolling in
the last three months of their IEP or in the GEP, thereby reducing any potential
gaps in coverage.
Section 120 of the CAA also gave the Secretary the authority to establish SEPs in the case of individuals who meet such exceptional conditions as the Secretary may provide. In this rule, CMS is finalizing SEPs that will provide individuals who meet certain exceptional conditions and who missed a Medicare enrollment period, an opportunity to enroll without having to wait for the GEP and without being subject to a late enrollment penalty (LEP).
~ submitted by Liz Yokley, BSW at Aging Matters