Medicare Supplement Chirongwa G: Ichi ndicho chirongwa cheMedigap chako?

Zvemukati

• Chii chinonzi Medicare chinowedzera (Medigap) Chirongwa G?
• Zvakanakira zveMedigap Chirongwa G
• Cons of Medigap Chirongwa G
• Chii chinonzi Medicare chinowedzera (Medigap) Chirongwa G kufukidza?
• Medicare inowedzera (Medigap) kuronga G mutengo sei?
• Ndirini pandinogona kunyoresa muMedare supplement (Medigap) Chirongwa G?
• Kutora

Medigap Chirongwa G chirongwa cheMedare chinowedzera icho chinopa zvisere zvezvipfumbamwe mabhenefiti anowanikwa neMedigap kufukidza. Muna 2020 nekupfuura, Chirongwa G chichava chirongwa chakazara kwazvo cheMedigap chinopihwa.

Medigap Chirongwa G chakasiyana neMedicare "chikamu" - senge Medicare Chikamu A (chipatara kufukidzwa) uye Medicare Chikamu B (kurapwa kwekurapa).

Sezvo iri "chirongwa," inosarudzika. Zvisinei, vanhu vane hanya nemari yekunze-kwehomwe inoenderana nehutano hwavo vanogona kuwana Medicare yekuwedzera zvirongwa (Medigap) sarudzo inokwezva.

Ramba uchiverenga kuti uwane zvimwe nezveMedigap Chirongwa G, zvazvinofukidza, uye nezvazvisina.

Chii chinonzi Medicare chinowedzera (Medigap) Chirongwa G?

Makambani einishuwarenzi ehutano akazvimirira anotengesa zvirongwa zveMedicare zvekubatsira kudzikisa mari inobuda muhomwe uye dzimwe nguva kubhadhara mabasa ayo Medicare isingavhare. Vanhu vanodanawo izvi zvirongwa zveMedigap. Kambani yeinishuwarenzi inotengesa izvi seMedicare yekuwedzera inishuwarenzi.

Hurumende yemubatanidzwa inoda makambani einishuwarenzi akazvimirira kuti aenzanise zvirongwa zveMedigap. Kunze kwekuvapo kweMassachusetts, Minnesota, uye Wisconsin, vanoomesa zvirongwa zvavo zvakasiyana.

Mazhinji makambani anotumidza iwo marongero nemavara makuru A, B, C, D, F, G, K, L, M, uye N.

Mitemo yeMedigap inongowanikwa chete kune avo vane yekutanga Medicare, inova Medicare zvikamu A uye B. Munhu ane Medicare Advantage haangave nechirongwa cheMedigap.

Munhu ane Medigap Chirongwa G achabhadhara Medicare Chikamu B premium, pamwe nemubhadharo wemwedzi wega wePlan G. Zvakare, mutemo weMedigap unongovhara munhu chete. Vakaroorana havagone kutenga mutemo pamwe chete.

Zvakanakira zveMedigap Chirongwa G

• yakazara yakazara Medigap kufukidza
• inoderedza kunze-kwe-muhomwe uye zvisingatarisirwi mitengo yevatori vechikamu veMedare

Cons of Medigap Chirongwa G

• kazhinji inodhura zvakanyanya kufukidzwa kweMedigap (izvo izvo Plan F isingawanikwe)
• inobviswa inogona kuwedzera gore rega

Chii chinonzi Medicare chinowedzera (Medigap) Chirongwa G kufukidza?

Izvi zvinotevera mari yehutano iyo Medicare Plan G inovhara:

• Medicare Chikamu A mari yekusimbisa mari uye chipatara zvinodhura kusvika pamazuva makumi matatu nemakumi matatu nemashanu mushure mekubatsirwa kwemunhu kweMedare
• Medicare Chikamu B kubhadharisa mari kana macopayments
• kutanga matatu mapendi eropa rekuisirwa
• Medicare Chikamu Kuchengetwa kwevachengeti mari yekuchengetedzwa kana macopayments
• hunyanzvi hwekuchengetedza nzvimbo nzvimbo yekusimbiswa
• Medicare Chikamu A chinobviswa
• Medicare Chikamu B kubhadharisa muripo (kana chiremba achibhadharisa kupfuura mari yakatenderwa neMedare, chirongwa ichi chichafukidza mutsauko)
• yekune dzimwe nyika yekuchinjana inosvika makumi masere muzana

Pane mitengo miviri iyo Medicare Plan G isingavhare ichienzaniswa neyaimbove Kuronga F:

• Chikamu B chinobviswa
• apo iyo yekunze-kwehomwe muganho uye wegore inobviswa kune Medicare Chikamu B inopfuura

Musi waNdira 1, 2020, shanduko kuMedicare yaireva kuti Chirongwa F uye Chirongwa C zvakabviswa kune vanhu vatsva kuMedare. Pakutanga, Medicare Chirongwa F chaive chakazara uye chakakurumbira chirongwa cheMedare chinowedzera. Zvino, Chirongwa G ndiyo yakazara yakazara chirongwa cheinishuwarenzi makambani anopa.

Medicare inowedzera (Medigap) kuronga G mutengo sei?

Nekuti Medicare Chirongwa G chinopa kufukidzwa kwakafanana zvisinei kuti ndeipi inishuwarenzi iyo inopa chirongwa, mutsauko mukuru mutengo. Makambani einishuwarenzi haape izvo zvirongwa panguva imwechete yemwedzi wepayimusi, saka iyo (chaizvo) inobhadhara kutenga kutenderedza kune yakaderera-mutengo mutengo.

Kune zvakawanda zvinhu zvinopinda mune izvo inishuwarenzi kambani inochaja yePlan G. Izvi zvinosanganisira:

• zera rako
• hutano hwako hwese
• mamiriro aunogara
• kana iyo kambani yeinishuwarenzi ichipa zvidzikiso zvezvimwe zvinhu, sekusaputa kana kubhadhara gore rega panzvimbo pemwedzi

Kana munhu achinge asarudza chirongwa cheMedicare chekuwedzera, izvo zvinobviswa zvinogona kuwedzera pagore. Nekudaro, vamwe vanhu vanozviwana zvakaoma kushandura kufukidza kwavo nekuti vanokwegura (uye maprimiyamu anogona kunge ari akakwirira) uye vanogona kuwana kuchinjisa zvirongwa kunovadhurira zvakanyanya.

Nekuti iri ndiro gore rekutanga Medicare yekuwedzera Chirongwa G ndiyo chirongwa chakazara kwazvo, zvingangoita kuti makambani einishuwarenzi ehutano anogona kuwedzera mutengo nekufamba kwenguva. Zvisinei, makwikwi mumusika weinishuwarenzi anogona kubatsira kuchengetedza mitengo pasi.

Ndirini pandinogona kunyoresa muMedare supplement (Medigap) Chirongwa G?

Iwe unogona kunyoresa mune yeMedicare yekuwedzera chirongwa panguva yayo yakavhurika kunyoresa nguva. Iyi nguva - yakanangana nehurongwa hwekuwedzera kweMedicare - inotanga zuva rekutanga remwedzi imi mese muine makore makumi matanhatu nemashanu uye makanyoreswa zviri pamutemo muMedicare Chikamu B. Iwe unozove nemwedzi mitanhatu yekunyora muchirongwa chekuwedzera cheMedicare.

Kunyoresa panguva yako yekunyoresa yakavhurika nguva kunogona kukuchengetedza mari yakawanda. Munguva ino, makambani einishuwarenzi haatenderwe kushandisa zvinyorwa zvekurapa kutenga mutengo wako. Izvi zvinoreva kuti havagone kukubvunza nezve mamiriro ako ekurapa kana kuramba kukuvhara.

Iwe unogona kunyoresa mune yeMedicare yekuwedzera chirongwa mushure mekuvhura kwako kunyoresa chirongwa, asi zvinowedzera kuomarara. Panguva iyoyo, iwe unowanzo kuda kodzero dzakapihwa dzenyaya. Izvi zvinoreva kuti chimwe chinhu chakashandurwa nemubhenefiti yako yeMedare yaive kunze kwekudzora kwako uye zvirongwa hazvigone kukuramba iwe kufukidza. Mienzaniso inosanganisira:

• Iwe waive nechirongwa cheMedicare Advantage icho chisisiri kupihwa munharaunda yako, kana iwe wafamba uye haugone kuwana yako imwechete Medicare Advantage chirongwa.
• Yako yapfuura Medicare yekuwedzera chirongwa chakabiridzira kana neimwe nzira kukutsausa iwe nezve kufukidza, mitengo, kana zvimwe zvinhu.
• Yako yapfuura Medicare yekuwedzera chirongwa chakabhuroka uye haichape kufukidzazve.
• Iwe waive nechirongwa cheMedicare chekuwedzera, asi wakachinjira kuMedicare Advantage. Pasati papera gore, unogona kudzokera kuchinyakare Medicare uye chirongwa cheMedare chekuwedzera.

Munguva idzi, kambani yeinishuwarenzi yehutano haigone kuramba kukupa mutemo wekuwedzera weMedicare.

• Shandisa Medicare.gov's chishandiso chekutsvaga uye enzanisa neMedigap marongero. Funga nezve yako yazvino yemwedzi inishuwarenzi mari, kuti yakawanda sei iwe yaunokwanisa kubhadhara, uye kana iwe uine zvehutano mamiriro ayo anogona kuwedzera ako ehutano ekurarama mari mune ramangwana.
• Bata yako State State Inishuwarenzi Rubatsiro Chirongwa (SHIP). Kumbira chiyero-chekutenga kuenzanisa gwara.
• Bata makambani einishuwarenzi anokurudzirwa neshamwari kana mhuri (kana makambani awakashandisa kare). Kumbira chitaurwa cheMedigap marongero. Bvunza kana vachipa zvikwereti iwe unogona kukodzera (zvakadai sekusasvuta fodya).
• Bata yako State Inishuwarenzi Dhipatimendi. Kumbira runyorwa rwezvinyorwa zvekunyunyuta pamusoro pemakambani einishuwarenzi, kana achiwanikwa. Izvi zvinogona kukubatsira kuburitsa makambani anogona kunetsa kune avo vanowana.

Rangarira, kufukidzwa kweMedigap kwakaenzana. Iwe uchawana kufukidzwa kwakafanana zvisinei nekambani yeinishuwarenzi, zvinoenderana nedunhu raunogara, asi iwe unogona kubhadhara zvishoma.

Kutora

Medicare yekuwedzera Chirongwa G, inozivikanwawo seMedigap Chirongwa G, ndiyo yave yakazara yakazara Medicare yekuwedzera chirongwa cheinishuwarenzi makambani anopa.

Iyo zano inogona kubatsira kudzikisa yako yekubuda-muhomwe mari kana iwe uine yekutanga Medicare.

Kana iwe uchizotenga chirongwa chePlan G, kunyoresa panguva yako yekunyoresa yakavhurika ingangove iri yakanyanya mutengo inoshanda.

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.