Ko Medigap Chirongwa C Kuenda Kure mu2020?

Zvemukati

• Chirongwa cheMedigap C chaenda here?
• Ko kana ini ndatova neMedigap Chirongwa C kana kuda kunyoresa imwe?
• Pane here zvimwe zvakafanana zvirongwa sarudzo zviripo?
• Chii chinonzi Medigap Chirongwa C chinovhara?
• Ndeapi mamwe marongero akazara aripo?
• Iko kune musiyano wemutengo pakati pezvirongwa?
• Ini ndinosarudza sei chirongwa chakakodzera kwandiri?
• Medigap zvayakanakira:
• Medigap Cons:
• Kutora

• Medigap Chirongwa C chirongwa chekuwedzera cheinishuwarenzi chekuvhara, asi hachina kufanana neMedicare Chikamu C.
• Medigap Chirongwa C chinofukidza huwandu hweMedhiya mari, kusanganisira Chikamu B chinobviswa.
• Kubva muna Ndira 1, 2020, Chirongwa C hachichawanikwe kune vatsva veMedare.
• Iwe unogona kuchengeta hurongwa hwako kana iwe watove neChirongwa C kana kana iwe uchikodzera kuMedare pamberi pa2020.

Iwe unogona kuziva kuti paive neshanduko kuMedigap zvirongwa kutanga muna 2020, kusanganisira Medigap Chirongwa C. Kutanga muna Ndira 1, 2020, Chirongwa C chakamiswa. Kana iwe uine Medicare uye chirongwa cheMedigap chekuwedzera kana uri kugadzirira kunyoresa, unogona kunge uchishamisika kuti shanduko idzi dzinokukanganisa sei.

Chinhu chekutanga chaunofanirwa kuziva ndechekuti Chirongwa C hachina kufanana neMedicare Chikamu C. Zvinonzwika zvakafanana, asi Chikamu C, chinozivikanwawo seMedicare Advantage, chirongwa chakaparadzana zvachose neMedigap Plan C.

Chirongwa C chirongwa chakakurumbira cheMedigap nekuti chinopa kufukidzwa kwezvakawanda zvemitengo inosanganisirwa neMedare, kusanganisira Chikamu B chakabviswa. Pasi pemitemo mitsva ye2020, kana iwe wanga watonyoreswa muPlan C, iwe unogona kuchengeta iko kufukidzwa.

Zvisinei, kana iwe uri mutsva kuMedare uye wanga uchifunga nezvePlan C, haugone kuitenga. Nhau dzakanaka ndedzekuti kune mamwe akawanda zvirongwa zveMedigap zviripo.

Muchikamu chino, isu tichataura nezvekuti sei chirongwa C chakaenda uye kuti ndeapi mamwe marongero angave akakodzera iwe panzvimbo.

Chirongwa cheMedigap C chaenda here?

Muna 2015, Congress yakapa mutemo unonzi Medicare Access uye CHIP Reauthorization Act ya2015 (MACRA). Imwe yeshanduko yakaitwa nemutongo uyu ndeyekuti zvirongwa zveMedigap hazvibvumidzwe kupa kufukidzwa kweChikamu B chinobviswa. Mutemo uyu wakatanga kushanda muna Ndira 1, 2020.

Shanduko iyi yakaitwa kuodza moyo vanhu kuti vashanyire hofisi yechiremba kana chipatara pazvaive zvisina basa. Nekuda kuti munhu wese abhadhare muhomwe kuti Chikamu B chibviswe, Congress yakatarisira kudzika pakushanya kwezvirwere zvidiki zvinogona kugadziriswa pamba.

Plan C ndeimwe yemamwe maMedigap marongero esarudzo akafukidza Chikamu B chinobviswa (imwe yacho yaive Plan F). Izvi zvinoreva kuti haichakwanise kutengeswa kune vatsva vanyoresa nekuda kwemutemo mutsva weMACRA.

Ko kana ini ndatova neMedigap Chirongwa C kana kuda kunyoresa imwe?

Iwe unogona kuchengeta yako Plan C kana uchitova nayo. Chero bedzi iwe wakanyoreswa pamberi paDecember 31, 2019, unogona kuramba uchishandisa chirongwa chako.

Kunze kwekunge kambani yaunayo yasarudza kusazopa chirongwa chako, unogona kusungirira pairi chero bedzi zvichikunakira. Pamusoro pezvo, kana iwe ukave unokodzera kuMedare kana musi waZvita 31 usati wasvika, unogona zvakare kunyoresa muChirongwa C.

Mitemo mimwe cheteyo inoshanda kuChirongwa F. Kana iwe waive uinayo kare, kana kuti wanga watonyoreswa muMedare pamberi pa2020, Chirongwa F chichawanikwa kwauri.

Pane here zvimwe zvakafanana zvirongwa sarudzo zviripo?

Chirongwa C hachizowanikwe kwauri kana uchangokodzera Medicare muna 2021. Uchiri nezvimwe zvakawanda zvingasarudzwa zveMedigap zvirongwa zvinofukidza yakawanda yemari yako yeMedare. Nekudaro, iwo marongero haakwanise kuvhara Chikamu Chikamu B chinobvisirwa mutengo, maererano nemutemo mutsva.

Chii chinonzi Medigap Chirongwa C chinovhara?

Plan C inonyanya kufarirwa nekuda kwekuti yakazara sei. Mari zhinji yeMedare-yekugovana mari yakavharidzirwa pasi pechirongwa. Pamusoro pekufukidzwa kweChikamu B chakabviswa, Chirongwa C chinofukidza:

• Medicare Chikamu A chinobviswa
• Medicare Chikamu A mari yemubhadharo
• Medicare Chikamu B mari yemubhadharo
• chipatara chemari yekusimbiswa kwemazuva anosvika mazana matatu nemakumi matatu nemashanu
• yekutanga matatu mapaundi eropa anodikanwa maitiro
• hunyanzvi hwekuchengetedza nzvimbo mari yekusimbisa
• hospice mari yekusimbiswa
• chiitiko chekukurumidzira kune imwe nyika

Sezvauri kuona, ingangoita mitengo yese inowira kune vanobatsirwa veMedare inovharwa nePlan C. Mari chete isingabhadharwe nePlan C ndiyo inozivikanwa seChikamu B "zvakawandisa mari." Mari yekuwedzeredza inguva iri pamusoro pemutengo unobvumidzwa neMedare-mari inobhadharwa nemupi wezvehutano zvebasa. Mari dzekuwedzeredza hadzibvumidzwe mune mamwe matunhu, zvichiita chirongwa C chisarudzo chikuru.

Ndeapi mamwe marongero akazara aripo?

Kune akasiyana marongero eMedigap anowanikwa, anosanganisira Chirongwa C uye Chirongwa F. Kana iwe usingakwanise kunyoresa mune chero eaya nekuti iwe wanga usiri Medicare-unokodzera pamberi pa2020, une akati wandei sarudzo dzekufananidza kufukidzwa.

Sarudzo dzakakurumbira dzinosanganisira Zvirongwa D, G, uye N. Izvo zvese zvinopa kufukidzwa kwakafanana kune Zvirongwa C uye F, nemisiyano mishoma yakakosha:

• Ronga D. Urongwa uhwu hunopa zvese kufukidzwa kwePlan C kunze kweChikamu B chakabviswa.

• Iko kune musiyano wemutengo pakati pezvirongwa?

  Zvirongwa C zvepamuyamu zvinowanzove zvakati kwirei kupfuura maprimiyamu emwedzi neZirongwa D, G, kana N. Mari yako inoenderana nekwaunogara, asi iwe unogona kutarisa mimwe mienzaniso yemitengo kubva kutenderera nyika mune chati iri pazasi:

  Guta	Ronga C	Ronga D	Ronga G	Ronga N
  Philadelphia, PA	$151–$895	$138–$576	$128–$891	$88–$715
  San Antonio, TX	$120–$601	$127–$529	$88–$833	$70–$599
  Columbus, OH	$125–$746	$106–$591	$101–$857	$79–$681
  Denver, CO	$152–$1,156	$125–$693	$110–$1,036	$86–$722

  Zvichienderana nedunhu rako, unogona kuve neanopfuura imwe Sarudzo G sarudzo. Dzimwe nyika dzinopa yakakwira-yakaderedzwa Plan G sarudzo. Mari yako yemubhadharo ichave yakaderera nechirongwa chepamusoro-chinobvisirwa, asi yako inobvisirwa inogona kunge yakakwira kunge zviuru zvishoma zvemadhora pamberi pekuvharwa kwako kweMedigap.

  Ini ndinosarudza sei chirongwa chakakodzera kwandiri?

  Zvirongwa zveMedigap zvinogona kukubatsira iwe kubhadhara mari inosanganisirwa neMedare. Pane zvirongwa gumi zviripo, uye Medicare inoda kuti ive yakamisikidzwa zvisinei nekambani inovapa. Kunze kwemutemo uyu zvirongwa zvinopihwa kuvagari veMassachusetts, Minnesota, kana Wisconsin. Aya matunhu ane mitemo yakasiyana yehurongwa hweMedigap.

  Zvisinei, zvirongwa zveMedigap hazviiti pfungwa kune wese munhu. Zvichienderana nebhajeti rako uye zvehutano zvinodiwa, kubhadhara imwezve inobvisirwa inogona kunge isingakoshe mabhenefiti.

  Zvakare, zvirongwa zveMedigap hazvipe mishonga yemishonga uye imwe yekuwedzera yekuvhara. Semuenzaniso, kana uine chirwere chisingaperi chinoda mushonga, unogona kunge uri nani neMedicare Advantage Plan kana chirongwa cheMedare Chikamu D.

  Kune rimwe divi, kana chiremba wako akakurudzira maitiro anozoda kugara muchipatara, chirongwa cheMedigap chinofukidza Chikamu Chako chinobvisirwa uye mari yekushongedzwa kuchipatara inogona kunge iri smart kufamba.

  Medigap zvayakanakira:

  • kufukidza nyika yose
  • kufukidza kwemitengo yakawanda yemishonga
  • kuwedzerwa mazuva makumi matatu nemakumi matatu nemashanu ekuvharwa muchipatara
  • zvimwe zvirongwa zvinopa kufukidzwa uchifamba kunze kwenyika
  • mamwe marongero anovhara zvinowedzera sezvirongwa zvekusimba
  • dzakasiyana siyana zvirongwa zvekusarudza kubva
  

  Medigap Cons:

  • premium mitengo inogona nekukwirira
  • kunyoreswa kwemishonga yekunyorera hakuna kusanganisirwa
  • mazino, chiono, uye zvimwe zvekuwedzera kufukidza hazvibatanidzwe
  

  Unogona kutenga zvirongwa zveMedigap munzvimbo yako uchishandisa chishandiso pawebhusaiti yeMedare. Ichi chishandiso chinokuratidza zvirongwa zviripo munharaunda yako nemitengo yazvo. Iwe unogona kushandisa chishandiso icho kusarudza kana paine chirongwa chinosangana nezvako zvaunoda uye mabhajeti.

  Kuti uwane rumwe rubatsiro, unogona kubata yako State Hutano Inishuwarenzi Rubatsiro Chirongwa (SHIP) kuti uwane zano rekunhonga chirongwa mudunhu rako. Iwe unogona zvakare kubata Medicare zvakananga kune mhinduro dzemibvunzo yako.

  Kutora

  Medigap Chirongwa C inozivikanwa yekuwedzera sarudzo nekuti inovhara yakawanda kwazvo yekubuda muhomwe mari inosangana neMedare.

  • Kutanga muna Ndira 1, 2020, chirongwa C chakamiswa.
  • Unogona kuchengeta Plan C kana uchitova nayo.
  • Iwe unogona achiri kunyoresa muChirongwa C kana iwe waive unokodzera kuMedare kana musi waDecember 31, 2019 usati wasvika.
  • Congress yatonga kuti chirongwa B chakabviswa hachichakwanise kuvharwa nezvirongwa zveMedigap.
  • Iwe unogona kutenga zvirongwa zvakafanana pasina chirongwa B chakabviswa kufukidzwa.
  • Zvirongwa zvakafanana zvinosanganisira Medigap Zvirongwa D, G, uye N.

  Ichi chinyorwa chakagadziridzwa munaNovember 20, 2020, kuratidza 2021 Medicare ruzivo.

  

  Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.