Emmet George, born in 1901, was eligible to enroll in Premium-HI during the IGEP (12/1/72-8/1/73).
However, Emmet did not enroll until 3/74 during the 1974 GEP. Emmet was not subject
to a premium increase, since there were only 7 months in which Emmet could have been
but was not enrolled—9/73 (the month after the close of the IGEP) through 3/74 (the
close of the GEP in which Mr. George actually enrolled). Had Emmet waited until 3/75
to enroll in Premium-HI, Emmet's premium would have been increased by 10 percent,
since there were 19 months, 9/73 through 3/75, between the close of Emmet's IEP and
the close of the enrollment period in which Emmet enrolled.
Nancy Gross, an uninsured U.S. citizen, was born 9/10/09; thus Nancy's IEP for purposes
of enrolling in Premium-HI (and SMI) is a 7-month period running from 6/74 through
12/74. Ms. Gross enrolled in Premium-HI and SMI in 6/74, and Nancy's coverage became
effective 9/74. Effective 2/28/75, Nancy'sr coverage was terminated for nonpayment
of premiums. Nancy reenrolled in HI and SMI during the 1977 GEP, and Nancy's premiums
were increased 20 percent since there were 25 months in the period beginning with
3/75 (the first month after the month of termination) through 3/77 (the last month
of the GEP in which Ms. Gross reenrolled).
Sheldon Long, a U.S. citizen who became age 65 on 10/20/73, first enrolled for Premium-HI
and SMI during the 1975 GEP, which ended 14 months after the close of Sheldon's IEP.
Therefore,Sheldon was subject to a 10 percent premium increase. Sheldon voluntarily
terminated Sheldon's Premium-HI effective 12/31/75, but kept Sheldon's SMI. In 2/77,
during the 1977 GEP, Sheldon again enrolled for Premium-HI. The 15 months beginning
1/76 through 3/77 (the last month of the GEP in which Mr. Long reenrolled) are added
to the 14 months which elapsed between the end of Sheldon's IEP and the end of the
GEP in which Sheldon first enrolled, making a total of 29 months to be counted in
the determination of the premium increases. In these 29 months there are 2 full 12-month
periods during which Mr. Long could have been but was not enrolled. Therefore, Sheldon's
Premium-HI coverage which began 7/77 was subject to a 20 percent premium increase.
Since Sheldon's SMI coverage did not terminate on 12/31/75 along with Sheldon's Premium-HI
coverage, Sheldon continued to pay SMI premiums at a 10 percent increased rate.
NOTE: In the above situations where a surcharge was applied, if the individual was still
enrolled in Premium-HI as of 7/86, the Premium-HI surcharge would have been removed
under the provisions of P.L. 99-272, as explained in HI 01005.010.