Medigap Chirongwa F: Chii Chinonzi Ino Medicare Yekuwedzera Chirongwa Mari uye Chakafukidza?

Zvemukati

• Chii chinonzi Medigap Chirongwa F?
• Mari yeMedigap F inodhura zvakadii?
• Ndiani anogona kunyoresa muMedigap Chirongwa F?
• Chii chinonzi Medigap Chirongwa F chinovhara?
• Dzimwe sarudzo kana iwe usingakwanise kunyoresa muMedigap Chirongwa F
• Kutora

Paunonyoresa muMedare, unogona kusarudza kuti ndeapi "mativi" eMedhire aunofukidzwa nawo. Sarudzo dzakasiyana dzeMedicare dzekuvhara zvido zvako zvekutanga zvehutano zvinosanganisira Chikamu A, Chikamu B, Chikamu C, uye Chikamu D.

Kune zvekare kune akati wandei Medicare ekuwedzera (Medigap) chirongwa chekuwedzera-ons izvo zvinogona kupa yakawedzera kufukidza uye kubatsira nemari. Medigap Chirongwa F chirongwa cheMedigap chakawedzerwa pachirongwa chako cheMedare chinobatsira kuvhara mari yeinishuwarenzi yehutano.

Muchikamu chino, tichaongorora kuti chii Medigap Chirongwa F, zvakadii, zvinodhura, uye nezvimwe.

Chii chinonzi Medigap Chirongwa F?

Medigap inopihwa nemakambani einishuwarenzi akazvimiririra sekuwedzera kune yako yekutanga Medicare chirongwa. Chinangwa chekuve nechirongwa cheMedigap ndechekubatsira kufukidza yako Medicare mutengo, senge zvinobviswa, macopayments, uye coinsurance. Pane gumi zvirongwa zveMedigap zvinopihwa nemakambani einishuwarenzi, kusanganisira A, B, C, D, F, G, K, L, M, uye N.

Medigap Chirongwa F, dzimwe nguva chinonzi Medicare Supplement Chirongwa F, ndiyo yakazara yakazara chirongwa cheMedigap chinopihwa. Iyo inovhara ingangoita yako ese Medicare Chikamu A uye Chikamu B madhura kuitira kuti iwe uve nechikwereti chakashomeka mari kunze-kwe-muhomwe kwehutano hwehutano mabasa

Medigap Chirongwa F inogona kuita sarudzo yakanaka kana iwe:

• inoda kurapwa kazhinji uye shanyira chiremba kazhinji
• inoda rubatsiro rwemari nekuchengetwa kwevanamukoti kana kuchengetedza varwere
• kufamba kunze kwenyika kazhinji asi usina inishuwarenzi yehutano yemufambi

Mari yeMedigap F inodhura zvakadii?

Kana iwe wakanyoreswa muMedigap Chirongwa F, iwe une basa kune anotevera mutengo:

• Mwedzi wepamberi. Chimwe nechimwe chirongwa cheMedigap chine pimendi yayo yemwedzi wega. Mari iyi ichasiyana zvichienderana nechirongwa chaunosarudza uye nekambani yaunotenga yako chirongwa kuburikidza.
• Gore negore rinobviswa. Kunyange chirongwa cheMedigap F pachayo chisina dhipoini yegore, ese ari maviri Medicare Chikamu A uye Chikamu B vanoita. Zvisinei, kusiyana nedzimwe sarudzo dzakapihwa, chirongwa cheMedigap F chinofukidza zana muzana reChikamu A uye Chikamu B chakabviswa.
• Copayments uye coinsurance. NeMedigap Chirongwa F, yako yese Chikamu A uye Chikamu B chemari uye mari yemubhadharo yakafukidzwa zvakazara, zvichikonzera mari ingangoita $ 0 yekubuda muhomwe yekurapa kana kuchipatara masevhisi.

Medigap Chirongwa F inosanganisirawo yakakwira-inobviswa sarudzo inowanikwa munzvimbo zhinji. Nechirongwa ichi, uchave nechikwereti chegore rose chinobvisirwa madhora zviuru mazana maviri nemakumi matatu nemakumi matatu Medigap isati yabhadhara, asi maprimiyamu emwedzi nemwedzi kazhinji anodhura zvakanyanya. Yakakwira-inodonhedzwa Medigap Chirongwa F isarudzo yakanaka kune vanhu vanosarudza kubhadhara yakaderera pamwedzi yeprimiyamu inogoneka kune ino kufukidzwa.

Heano mienzaniso mishoma yeMedigap Plan F mapuramu mumaguta akasiyana nyika.

Ndiani anogona kunyoresa muMedigap Chirongwa F?

Kana iwe uchitova ne Medicare Advantage, iwe unogona kunge uchifunga kuchinjira kune yekutanga Medicare ine Medigap mutemo.Pakutanga, chero munhu akanyoresa muMedicare yekutanga aigona kutenga Medigap Chirongwa F. Zvisinei, chirongwa ichi chave kubviswa. Kubva muna Ndira 1, 2020, Medigap Chirongwa F chinongowanikwa kune avo vaikodzera Medicare pamberi pa2020.

Dai iwe wanga watove kunyoreswa muMedigap Chirongwa F, iwe unogona chengetedza iro zano uye mabhenefiti. Zvakare, dai iwe waikodzera Medicare pamberi paNdira 1, 2020, asi ukarasikirwa kunyoreswa, unogona kunge uchiri kukodzera kutenga Medigap Chirongwa F.

Kana iwe uri kuronga kunyoresa muMedigap, kune dzimwe nguva dzekunyoresa dzaunofanirwa kucherechedza:

• Medigap kuvhura kunyoresa inomhanya mwedzi mitanhatu kubva pamwedzi waunosvitsa makore makumi matanhatu nemashanu uye kunyoresa muMedare Chikamu B.
• Medigap kunyoresa kwakakosha ndeyevanhu vanogona kukodzera Medicare neMedigap vasati vasvitsa makore makumi matanhatu nemashanu, sevaya vane chirwere chekupedzisira renal chirwere (ESRD) kana mamwe mamiriro akambovapo.

Izvo zvakakosha kuti uzive kuti panguva yeMedigap yakavhurika kunyoresa nguva, haugone kurambwa mutemo weMedigap yemamiriro ehutano anga aripo. Nekudaro, kunze kweiyo yakavhurika kunyoresa nguva, makambani einishuwarenzi anogona kukuramba iwe Medigap mutemo nekuda kwehutano hwako, kunyangwe iwe uchikodzera imwe.

Naizvozvo, zviri mukunakirwa kwako kunyoresa muMedicare Supplement Plan F nekukurumidza sezvinobvira kana uchiri kukodzera.

Chii chinonzi Medigap Chirongwa F chinovhara?

Medigap Chirongwa F ndiyo yakanyanya kuzadzikiswa yezvipo zveMedigap, sezvo ichivhara zvese zvinodhura zvine chekuita neMedare zvikamu A naB.

Zvirongwa zvese zveMedigap zvakaenzana, zvichireva kuti kufukidzwa kunopihwa kunofanirwa kunge kwakafanana kubva kudunhu kuenda kudunhu (kunze kweMassachusetts, Minnesota, kana Wisconsin).

Hezvino izvo zvinofukidzwa neMedigap Chirongwa F:

• Chikamu A coinsurance uye zvipatara zvinodhura
• Chikamu Chikamu chekuchengetwa kwevanochengetwa nevarwere kana macopayments
• Chikamu Chikamu chekuchengetwa kwevanochengetedzwa
• Chikamu A chinobviswa
• Chikamu B kusimbiswa kana kukopa
• Chikamu B chinobviswa
• Chikamu B mari yakawandisa
• Kuisirwa Ropa (anosvika matatu pints)
• 80 muzana yemari yekufambisa yekunze

Iko hakuna wekunze-kwehomwe muganho neMedigap Chirongwa F, uye haifukidze chero eako Medicare Chikamu A uye Chikamu B pamitengo yemwedzi.

Sezvambotaurwa pamusoro, zvese zvirongwa zveMedigap zvakaenzana nemutemo - kunze kwekunge uchigara muMassachusetts, Minnesota, kana Wisconsin. Mumatunhu aya, marongero eMedigap akaenzana zvakasiyana, saka unogona kusapihwa kufukidzwa kwakafanana neMedigap Chirongwa F.

Dzimwe sarudzo kana iwe usingakwanise kunyoresa muMedigap Chirongwa F

Dai iwe wanga watovharwa neMedigap Chirongwa F kana unokodzera ofr Medicare pamberi paNdira 1, 2020, unogona kuchengeta kana kutenga chirongwa ichi. Kana zvisina kudaro, ungangodaro uri kufunga nezvezvimwe zvipo zvinopihwa, sezvo Medigap Chirongwa F chisisiri kupihwa kune vatsva veMedare.

Heano mashoma eMedigap marongero esarudzo aunofunga kana usiri kukodzera kunyoresa muPurani F:

• 

  Pese paunenge wagadzirira kunyoresa, unogona kushanyira Medicare.gov kuti uwane mutemo weMedigap uripo padyo newe.

  Kutora

  Medigap Chirongwa F chirongwa chakazara cheMedigap chinobatsira kufukidza yako Medicare Chikamu A uye Chikamu B chinobvisirwa, macopayments, uye coinsurance. Medigap Chirongwa F chinobatsira kune avo vanotambira mari shoma avo vanoda kurapwa nguva zhinji, kana kune chero munhu anotarisa kubhadhara zvishoma-muhomwe sezvinobvira kumabasa ekurapa.

  Sezvo Medigap Chirongwa F chisisiri kupihwa kune vatsva vanyoresa, Medigap Chirongwa G chinopa zvakafanana kufukidza pasina kuvhara Chikamu B chakabviswa.

  Kana iwe wagadzirira kuenda kumberi uye kunyoresa muchirongwa cheMedigap, unogona kushandisa webhusaiti yeMedicare.gov kutsvaga marongero ari padyo newe.

  Chinyorwa ichi chakagadziridzwa munaNovember 13, 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.