Medigap Chirongwa G: Kuputsa Pasi iyo 2021 Mari

Zvemukati

• Yakawanda sei iyo Medicare Supplement Chirongwa G inodhura?
• Mapuremi emwedzi wega wega
• Zvinobviswa
• Copays uye coinsurance
• Kunze-kwe-muhomwe mari
• Chii chinonzi Medicare Supplement Plan G inovhara?
• Is Medicare Supplement Plan G sarudzo yakanaka here kana iwe usingakwanise kuwana Plan F?
• Ndiani anogona kunyoresa muMedicare Supplement Chirongwa G?
• Ndekupi kwaunogona kutenga Medicare Supplement Chirongwa G?
• Kwaungawana rubatsiro kusarudza chirongwa cheMedigap
• Kutora

Medicare chirongwa chakapihwa mari neinishuwarenzi chehutano chakaumbwa nezvikamu zvakati wandei, imwe neimwe ichipa sarudzo dzakasiyana dzekuvhara:

• Medicare Chikamu A (inishuwarenzi yechipatara)
• Medicare Chikamu B (inishuwarenzi yekurapa)
• Medicare Chikamu C (Medicare Kubatsira)
• Medicare Chikamu D (inonyorera mishonga yekuvhara)

Nepo Medicare ichivhara mari zhinji, pane zvimwe zvinhu zvisina kuvharwa. Nekuda kweizvi, nezve vanhu vane Medicare vane imwe nzira yekuwedzera inishuwarenzi.

Medigap ndeyekuwedzera inishuwarenzi inogona kuvhara zvimwe zvinhu izvo Medicare isingaiti. Nezve vanhu vakanyoreswa muMedare zvikamu A uye B zvakare vakanyoreswa muMedigap mutemo.

Medigap ine gumi zvirongwa zvakasiyana, imwe neimwe ichipa dzakasiyana mhando dzekuwedzera kufukidza. Chimwe chezvirongwa izvi chirongwa G.

Verenga pamusoro apo isu tichikurukura izvo zvinodhura zvinosanganisirwa nePurani G, maitiro aunogona kunyoresa, uye zvimwe.

Yakawanda sei iyo Medicare Supplement Chirongwa G inodhura?

Ngatitorei imwe yemitengo inosangana nePlan G.

Mapuremi emwedzi wega wega

Kana iwe ukanyoresa muchirongwa cheMedigap, uchafanirwa kubhadhara mari yemwedzi wega wega. Izvi zvichave zviri kuwedzera kune yako Medicare Chikamu B pamwedzi wepamuviri.

Nekuti makambani einishuwarenzi akazvimirira anotengesa marongero eMedigap, maprimiyamu emwedzi nemwedzi achasiyana nemitemo. Makambani anogona kusarudza kumisikidza maprimiyamu avo nenzira dzakasiyana. Idzi nzira nhatu huru dzavanoisa maprimiyamu ndeidzi:

• Nharaunda yakarongwa. Wese munhu ane mutemo anobhadhara mari yakafanana yemwedzi, zvisinei nezera rake.
• Nyaya-zera yakatarwa. Maprimiyamu emwedzi nemwedzi anoiswa zvichibva nekuti une makore mangani iwe paunotenga mutemo wako. Vanhu vanotenga pazera diki vanozove nemari yepasi pasi yemaprimamu.
• Yakawana-zera yakatarwa. Mapuremu emwedzi nemwedzi anoiswa zvichienderana nezera rako razvino. Nekuda kweizvi, maprimiyamu ako achawedzera paunenge uchikura.

Zvinobviswa

Kunyange chirongwa G chichifukidza iyo Medicare Chikamu A inobvisirwa, haina kuvhara iyo Medicare Chikamu B inobviswa.

Mitemo yeMedigap kazhinji haina yavo inobviswa. Izvi zvinogona kuve zvakasiyana paPurani G. Pamusoro pechinyakare chirongwa G (isina chakabviswa), yakakwira-inobviswa sarudzo inowanikwawo.

Yakakwira-inodonhedzwa Zano G kazhinji ine mashoma epamwedzi mapuramu. Zvisinei, iwe unofanirwa kubhadhara mari inobviswa ye $ 2,370 mutemo wako usati watanga kubhadhara mabhenefiti. Kune zvekare chakawedzerwa chegore chinobvisirwa mabasa ekukurumidzira anoshandiswa panguva yekufamba kwenyika.

Copays uye coinsurance

Ronga G inovhara macopays uye coinsurance inosanganisirwa neMedare zvikamu A uye B. Kana iwe uine chirongwa G chirongwa, hauzove nemhosva kune idzi mutengo.

Kunze-kwe-muhomwe mari

Kune zvimwe zvinhu izvo Medigap zvisingawanzo kufukidza, kunyange izvi zvichisiyana nemutemo. Kana sevhisi isina kuvharwa, iwe unofanirwa kubhadhara iyo mutengo kunze-kwehomwe.

Mimwe mienzaniso yemasevhisi ayo kazhinji asina kuvharwa mumitemo yeMedigap ndeiyi:

• kutarisirwa kwenguva refu
• mazino
• chiratidzo, kusanganisira magirazi emaziso
• zvinobatsira kunzwa
• kuchengetwa kwevamwe

Kusiyana nemamwe marongero eMedigap, Plan G haina muganho wekunze-muhomwe.

Ngatitarisei matatu matatu maguta kuti tiongorore chirongwa G mutengo muna 2021:

Chii chinonzi Medicare Supplement Plan G inovhara?

Medigap Chirongwa G chirongwa chakabatanidzwa kwazvo. Iyo inovhara zana muzana yezviwanikwa zvinotevera:

• Medicare Chikamu A chinobviswa
• Medicare Chikamu A coinsurance
• Medicare Chikamu A chipatara zvinodhura
• Medicare Chikamu Chikamu chekuchengetedzwa kwemakambani kana copay
• hunyanzvi hwekuchengetedza nzvimbo mari yekusimbisa
• ropa (kutanga matatu mapuniki)
• Medicare Chikamu B kudhara kana copay
• zvakawandisa mhosva dzakabatana neMedare Chikamu B

Pamusoro pezvo, Chirongwa G chinofukidza makumi masere muzana ehutano mabasa anopiwa panguva yekufamba kwenyika.

Zvirongwa zveMedigap zvakaenzana, zvinoreva kuti kambani yega yega inofanirwa kupa zvakafanana kufukidzwa. Paunotenga chirongwa G chirongwa, iwe unofanirwa kuwana ese mabhenefiti akanyorwa pamusoro zvisinei nekambani yaunotenga kubva.

Is Medicare Supplement Plan G sarudzo yakanaka here kana iwe usingakwanise kuwana Plan F?

Plan F ndiyo inosanganisirwa pane akasiyana akasiyana Medigap zvirongwa. Nekudaro, ndiani anogona kunyoresa zvachinja kutanga muna 2020.

Shanduko idzi ndedzekuti zvirongwa zveMedigap zvakatengeswa kune avo vatsva kuMedare hazvichakwanise kuvhara iyo Medicare Chikamu B inobviswa, iyo inosanganisirwa muPurani F.

Vaya vagara vaine chirongwa F kana vaive vatsva kuMedare pamberi paNdira 1, 2020 vanogona kunge vaine chirongwa chePlan F.

Chirongwa G chingave sarudzo yakanaka kana iwe uri mutsva kuMedare uye usingakwanise kunyoresa muPurani F. Musiyano chete mukuvhara pakati pezviviri ndeyekuti Chirongwa G hachifukidze iyo Medicare Chikamu B inobviswa.

Ndiani anogona kunyoresa muMedicare Supplement Chirongwa G?

Unogona kutanga kutenga mutemo weMedigap panguva yeMedigap kunyoresa kuvhurika. Iyi inguva yemwedzi mitanhatu inotanga mwedzi waunenge uine makore makumi matanhatu nemashanu kana kupfuura uye wakanyoresa muMedare Chikamu B.

Mimwe mirayiridzo yekunyora inosanganisirwa neMedigap inosanganisira:

• Mitemo yeMedigap inongovhara munhu mumwe chete, saka mumwe wako anozofanira kutenga yavo yega.
• Mutemo weFederal haudi kuti makambani atenge marongedzero eMedigap kune avo vari pasi pemakore makumi matanhatu nemashanu. Kana iwe uri pasi pemakore makumi matanhatu nemashanu uye uchikodzera Medicare, unogona kusakwanisa kutenga mutemo weMedigap waunoda.
• Iwe haugone kuve neese maviri Medigap mutemo uye Medicare Chikamu C (Medicare Advantage) mutemo. Kana iwe uchida kutenga mutemo weMedigap, uchafanirwa kudzokera kuna Medicare yekutanga (zvikamu A neB).
• Mitemo yeMedigap haigone kuvhara mishonga yemishonga. Kana iwe uchida kunyorerwa kunwiwa kwezvinodhaka, unofanirwa kunyoresa muchirongwa cheMedicare Chikamu D.

Mitemo yeMedigap inovimbiswa kuvandudzwa, zvisinei nekuti une matambudziko ehutano here kana kwete. Izvi zvinoreva kuti mutemo wako haugone kukanzurwa chero bedzi iwe uchiramba uchinyoresa uye uchibhadhara maprimiyamu ako.

Ndekupi kwaunogona kutenga Medicare Supplement Chirongwa G?

Makambani einishuwarenzi akazvimirira anotengesa marongero eMedigap. Iwe unogona kushandisa chishandiso chekutsvaga cheMedicare kuti uone kuti ndedzipi zvirongwa zvinopihwa munzvimbo yako.

Iwe unozofanirwa kuisa yako ZIP kodhi uye sarudza dunhu rako kuti uone zviripo zvirongwa. Chirongwa chega chega chinenge chakanyorwa nemubhadharo wemwedzi wega wega, zvimwe zvingangove mari, uye chii uye chisina kuvharwa.

Iwe unogona zvakare kutarisa kumakambani ayo anopa yega yega hurongwa uye marongero avanogadzira yavo yemwedzi maprimiyamu Nekuti mutengo weMedigap mutemo unogona kusiyana nekambani, zvakakosha zvikuru kuenzanisa akati wandei marongero eMedigap usati wasarudza imwe.

Kwaungawana rubatsiro kusarudza chirongwa cheMedigap

Unogona kushandisa zvinotevera zviwanikwa kuti zvikubatsire kusarudza chirongwa cheMedigap:

• Chishandiso chekutsvaga pamhepo. Enzanisa zvirongwa zveMedigap uchishandisa chishandiso chekutsvaga cheMedicare.
• Fonera Medicare zvakananga. Fonera 800-633-4227 kune chero mibvunzo kana zvinetswa zvine chekuita neMedare kana Medigap.
• Bata dhipatimendi rako reinishuwarenzi yenyika. State inishuwarenzi madhipatimendi anogona kubatsira kukupa iwe ruzivo nezveMedigap zvirongwa mudunhu rako.
• Bata yako State State Inishuwarenzi Rubatsiro Chirongwa (SHIP). SHIPO dzinobatsira kupa ruzivo uye kuraira kune avo vanonyoresa kana kuita shanduko kune yavo yekuvhara.

Kutora

• Medigap Chirongwa G ndeye Medicare yekuwedzera inishuwarenzi chirongwa. Iyo inovhara zvakasiyana siyana zvemitengo iyo isina kuvharwa neMedare zvikamu A uye B, senge mari yemubhadharo, copays, uye mamwe anoderedzwa.
• Kana iwe ukatenga chirongwa chePlan G, iwe unobhadhara mari yemwedzi, iyo inogona kusiyana nekambani iri kupa mutemo. Izvi zviri kuwedzera kune yako Medicare Chikamu B pamwedzi wepamuviri.
• Zvimwe zvinodhura zvinosanganisira iyo Medicare Chikamu B inobvisirwa pamwe nezvibatsiro zvisina kuvharwa neMedigap, senge mazino uye kuona. Kana iwe uine yakakwira-inobviswa Plan G, iwe unofanirwa kubhadhara iyo inobvisirwa pasati mutemo wako watanga kuvhara mari.
• Plan G inogona kunge iri sarudzo yakanaka kana iwe usingabvumidzwe kutenga Plan F. Musiyano chete pakati pezvirongwa zviviri ndezvekuti Plan G haifukidze iyo Medicare Chikamu B inobviswa.

Verenga chinyorwa ichi muchiSpanish

Chinyorwa ichi chakagadziridzwa munaNovember 16, 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.