Zvese Nezve Medicare Supplement Chirongwa M

Zvemukati

• Chii chinonzi Medicare Supplement Chirongwa M chinovhara?
• Chii chinonzi kugovana-mutengo uye chinoshanda sei?
• Zvimwe zvekunze-kwehomwe mari
• Kubhadhara
• Ndiri kukodzera kutenga Medicare Supplement Chirongwa?
• Kunyoresa muMedicare Supplement Chirongwa M
• Kutora

Medicare Supplement Chirongwa M (Medigap Chirongwa M) ndeimwe yenyowani zvirongwa zveMedigap. Iri zano rakagadzirirwa vanhu vanoda kubhadhara yakaderera pamwedzi mwero (premium) mukutsinhana nekubhadhara hafu yegore rega Chikamu Chikamu A (chipatara) chinobvisirwa uye izere yegore Chikamu B (outpatient) inobviswa.

Kana iwe usingatarisiri kushanya kwechipatara kakawanda uye wakasununguka nekugovana-mutengo, Medicare Supplement Chirongwa M inogona kunge iri sarudzo yakanaka kwauri.

Ramba uchiverenga kuti udzidze zvakawanda nezve iyi sarudzo, kusanganisira izvo zvinovhara, ndiani anokodzera, uye kana iwe uchigona kunyoresa.

Chii chinonzi Medicare Supplement Chirongwa M chinovhara?

Medicare Supplement Chirongwa M kufukidza kunosanganisira zvinotevera:

• 100 muzana yeChipiri A coinsurance uye chipatara zvinodhura kusvika kune mamwe mazuva mazana matatu nemakumi matatu nemashanu mushure mekubatsirwa kweMedicare kwashandiswa
• 50 muzana yechikamu A inobviswa
• 100 muzana yeChikamu A chekuchengetwa kwevachengeti mari yekusimbiswa kana kukopwa
• 100 muzana yemitengo yekuwedzerwa ropa (ekutanga matatu mapendi)
• 100 muzana yehunyanzvi hunyanzvi hwekuchengetwa kwekuchengetedzeka
• 100 muzana yeChipiri B mari yekusimbiswa kana kukopa
• Makumi masere muzana emitengo inokodzera yehutano paunenge uchienda kunze kwenyika

Chii chinonzi kugovana-mutengo uye chinoshanda sei?

Kugovana-mutengo-inowanzo iri huwandu hwemari inokodzera uye inobhadharwa newe mushure meMedare uye mutemo wako weMedigap wabhadhara zvikamu zvavo.

Heino muenzaniso wekuti mutengo-kugovana ungatambe sei:

Iwe une yekutanga Medicare (zvikamu A uye B) uye Medigap Chirongwa M mutemo. Kutevera kuvhiyiwa kwechiuno, iwe unopedza husiku huviri muchipatara uyezve uine akateedzana ekushanya kwekutevera nachiremba wako.

Kuvhiyiwa kwako uye kugara muchipatara kwakafukidzwa neMedicare Chikamu A mushure mekunge wasangana nechikamu A chakabviswa. Medigap Chirongwa M inobhadhara hafu yeiyo inobviswa uye iwe une basa rekubhadhara imwe hafu muhomwe.

Muna 2021, iyo Medicare Chikamu A inpatient chipatara chinobviswa i $ 1,484. Yako Medigap Chirongwa M mutemo mugove unenge uri $ 742 uye mugove wako unove $ 742.

Kushanya kwako kwekutevera kunovharwa neMedare Chikamu B uye chirongwa chako cheMedigap M. Ukangobhadhara chikamu chegore B chinobviswa, Medicare inobhadharira 80% yevarwere vako vekunze uye chirongwa chako cheMedicare M inobhadharira imwe 20%.

Muna 2021, iyo Medicare Chikamu B yegore inobviswa i $ 203. Iwe unenge uine mutoro wemari izere.

Zvimwe zvekunze-kwehomwe mari

Usati wasarudza mupi wezvehutano, tarisa kana vachizogamuchira iyo Medicare yakapihwa mitengo (mutengo Medicare inobvumidza maitiro uye kurapwa).

Kana chiremba wako asingagamuchire mari yakatarwa naMedare, unogona kuwana mumwe chiremba anokwanisa kana kugara nachiremba wako aripo. Kana ukasarudza kugara, chiremba wako haatenderwe kubhadharisa zvinopfuura zvikamu gumi nezvishanu kubva muzana pamusoro pemutero unobvumidzwa neMedare.

Mari yakapihwa nachiremba wako pamusoro peiyo Medicare yakapihwa mwero inonzi Chikamu B yakawandisa kubhadharisa. NeMedigap Plan M, ndiwe unobhadhara kubhadhara Chikamu B mari yakawandisa kubva muhomwe ..

Kubhadhara

Mushure mekunge mawana kurapwa pane iyo Medicare-inogamuchirwa chiyero:

1. Medicare Chikamu A kana B inobhadhara mugove wayo wemitero.
2. Yako Medigap mutemo unobhadhara mugove wayo wemitero.
3. Iwe unobhadhara chikamu chako chemari (kana iripo).

Ndiri kukodzera kutenga Medicare Supplement Chirongwa?

Kuti uve unofanirwa neMedicare Supplement Chirongwa M, unofanirwa kunyoreswa mune yekutanga Medicare Chikamu A uye Chikamu B. Iwe unofanirwa zvakare kugara mukati medunhu uko chirongwa ichi chinotengeswa nekambani yeinishuwarenzi. Kuti uone kana chirongwa M chakapihwa munzvimbo yako, nyora yako ZIP kodhi muMedare yeMedigap chirongwa chekutsvaga.

Kunyoresa muMedicare Supplement Chirongwa M

Yako-yemwedzi mitanhatu Medigap yakavhurika kunyoresa nguva (OEP) kazhinji ndiyo nguva yakanakisa yekunyoresa chero mutemo weMedigap unosanganisira Medigap Chirongwa M. Yako Medigap OEP inotanga mwedzi waunenge uine makore makumi matanhatu nemashanu kana kupfuura uye wakanyoresa muMedare Chikamu B.

Chikonzero chekunyoresa panguva yeOEP yako ndeyekuti makambani einishuwarenzi akazvimirira ega anotengesa marongero eMedigap haakwanise kukuramba iwe kufukidza uye anofanirwa kukupa yakanakisa chiyero, zvisinei nehutano hwako. Yakanakisa iripo mwero inogona kuvimba nezvinhu, senge:

• zera
• jenda
• nezvekuroorwa
• kwaunogara
• kana uchisvuta

Kunyoresa kunze kweOPO kunogona kukonzera chinodikanwa chekunyora pasi kwekurapa uye kugamuchirwa kwako hakuvimbiswe nguva dzose.

Kutora

Medicare yekuwedzera (Medigap) marongero anobatsira kuvhara "mamwe maburi" pakati pemutengo wehutano uye izvo Medicare zvinopa kune izvo zvinodhura.

NeMedigap Chirongwa M, iwe unobhadhara mari yepazasi asi unogoverana mumitengo yeMedare yako Chikamu A (chipatara) chinobviswa, Medicare Chikamu B (kunze kwechipatara) chinobviswa, uye Chikamu B mari dzakapfuura.

Usati wazvipira kuMedigap Chirongwa M kana chero chirongwa cheMedigap, dzokorora zvaunoda nemumiririri ane rezinesi uyo anoshanda zvakanyanya muMedicare ekuwedzera kuti akubatsire. Iwe unogona zvakare kubata yako nyika yeHurumende Hutano Inishuwarenzi Rubatsiro Chirongwa (SHIP) yerubatsiro rwemahara mukunzwisisa marongero aripo.

Ichi chinyorwa chakagadziridzwa munaNovember 19, 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.