Medicare Supplement Chirongwa F: Chiri Kuenda Kure?

Zvemukati

• Kana ini ndine Medigap Chirongwa F, ndinogona kuichengeta?
• Chii chinonzi Plan F?
• Nei vamwe vanhu chete vachigona kunyoresa muMedicare Supplement Chirongwa F?
• Kune mamwe akafanana Medigap zvirongwa?
• Kutora

• Kubva muna2020, zvirongwa zveMedigap hazvichabvumidzwa kuvhara iyo Medicare Chikamu B inobviswa.
• Vanhu vatsva kuMedicare muna2020 havagone kunyoresa muChirongwa F; zvisinei, avo vatove nePlan F vanogona kuichengeta.
• Mamwe akati wandei marongero eMedigap anopa kufukidzwa kwakafanana kuChirongwa F.

Medicare yekuwedzera inishuwarenzi (Medigap) rudzi rweMedicare inishuwarenzi mutemo iyo inogona kubatsira kubhadhara kune zvimwe zvinodhura izvo zvekutanga Medicare (zvikamu A neB) zvisingavhare.

Plan F imwe yeMedigap sarudzo. Kunyangwe paine shanduko kwazviri muna 2020, chirongwa ichi chakakurumbira hachisi kuenda kune wese munhu. Asi vamwe vanhu havachakwanise kunyoresa mairi.

Enderera kuverenga kuti udzidze zvimwe.

Kana ini ndine Medigap Chirongwa F, ndinogona kuichengeta?

Vanhu vakatonyoresa muPlan F vanogona kuichengeta. Mitemo yeMedigap inovimbiswa inogona kudzoreredzwa sekureba iwe uchichengetedza kunyoresa uye kubhadhara iyo yemwedzi yepayimusi inoenderana neyako mutemo.

Chii chinonzi Plan F?

Yekutanga Medicare inobhadharisa inenge makumi masere muzana ezvehutano zvine chekuita nezvehutano. Supplemental inishuwarenzi marongero akaita seMedigap anogona kubatsira kubhadhara iyo yasara mari, dzimwe nguva zvakanyanya kudzikisa kunze-kwe-muhomwe mari.

Vanenge 1 muvanhu vana vane yekutanga Medicare vanewo mutemo weMedigap. Aya marongero anotengeswa nemakambani akazvimiririra uye anosanganisirwa neyekuwedzera yemwedzi wepimendi.

Chirongwa F ndechimwe chezvirongwa gumi zvakaenzana zveMedigap. Pamusoro peiyo standard vhezheni, yakasarudzika-inobviswa sarudzo inowanikwawo mune dzimwe nzvimbo. Iyi sarudzo ine yakaderera pamwedzi yepimari, asi iwe unofanirwa kusangana neinobviswa ye $ 2,340 muna 2020 mutemo wako usati watanga kubhadhara mutengo.

Kunze kwezvirongwa zvese zveMedigap, Plan F ndiyo inosanganisa zvakanyanya. Plan F inovhara zana muzana yemitengo inotevera:

• Medicare Chikamu A chinobviswa
• Medicare Chikamu A coinsurance uye zvipatara zvinodhura
• Medicare Chikamu Chikamu chevanamukoti vane hunyanzvi mari yekusimbiswa
• Medicare Chikamu Chikamu chekuchengetedzwa kwemakambani uye copays
• Medicare Chikamu B inobviswa
• Medicare Chikamu B kusimbiswa uye kukopa
• Medicare Chikamu B yakawandisa mhosva
• Ropa (matatu ekutanga pints)

Chirongwa F chinovharawo makumi masere muzana ezvekurapwa kana uchifamba kunze kweUnited States.

Nei vamwe vanhu chete vachigona kunyoresa muMedicare Supplement Chirongwa F?

Nekuda kwemutemo mutsva, zvirongwa zveMedigap hazvichabvumidzwa kuvhara iyo Medicare Chikamu B inobviswa. Shanduko iyi yakatanga kushanda muna Ndira 1, 2020.

Uyu mutemo mutsva wakakanganisa mamwe marongero eMedigap anofukidza Chikamu B chinobviswa, kusanganisira Chirongwa F. Izvi zvinoreva kuti vanhu vanonyoresa muMedare muna 2020 nekupfuura havachakwanise kunyoresa muPurogiramu F.

Dai iwe waikodzera Medicare pamberi paNdira 1, 2020, asi usina kunyoresa panguva iyoyo, unogona kunge uchiri kukwanisa kutenga chirongwa F chirongwa.

Kune mamwe akafanana Medigap zvirongwa?

Mamwe marongero eMedigap ane mabhenefiti akafanana kuChirongwa F. Kana iwe uchikodzera Medicare muna 2020 uye uchida kutenga mutemo weMedigap, funga zvinotevera zvirongwa:

• Ronga G
• Ronga D
• Ronga N

Tafura iripazasi inofananidza Kuronga F kufukidza pamwe nemamwe marongero eMedigap

Kutora

Ronga F ndeimwe yemhando gumi dzeMedigap zvirongwa. Iyo inovhara hupamhi hwakazara hwemari iyo iyo yekutanga Medicare isingabhadhari.

Kutanga muna 2020, mitemo mitsva inorambidza maMedigap marongero kubva kuvhara Medicare Chikamu B inobviswa. Nekuda kweizvi, vanhu vatsva kuMedare mu2020 havazokwanise kunyoresa muPurani F. Vaya vatova nePlan F, kune rimwe divi, vanogona kuichengeta.

Zvimwe zvirongwa zveMedigap zvinopa kufukidzwa zvakangofanana nePurani F, kusanganisira chirongwa G, Chirongwa D, uye Chirongwa N. Kana iwe uchizonyora muMedare gore rino, uchienzanisa akasiyana maMedigap marongero anopiwa munharaunda yako anogona kukubatsira iwe kuti uwane yakanyanya kufukidzwa zvaunoda.

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.