Medicare Supplement Chirongwa K: Kunzwisisa Mari

Zvemukati

• Yakawanda sei iyo Medicare Supplement Chirongwa K inodhura?
• Chii chinonzi Medicare Supplement Plan K inovhara?
• Ndiani anogona kunyoresa muMedicare Supplement Chirongwa K?
• Unotenga sei Medicare Supplement Plan K?
• Kutora

• Medicare Supplement (Medigap)Chirongwa K chinobatsira kuvhara zvimwe zvehutano hwako inishuwarenzi.
• Mutemo weFederal unovimbisa kuti zvisinei kuti unotenga kupi chirongwa cheMedigap K, chinosanganisira zvakafanana kufukidzwa.
• Mari yeMedigap Chirongwa K inogona kusiyana zvichienderana nekwaunogara, kana iwe uchinyoresa, uye hutano hwako.

Medicare Supplement Plan K yakagadzirirwa kubatsira nezvimwe zvekunze-kwehomwe mari inouya neyechinyakare Medicare kufukidza.

Medicare "chirongwa" chakasiyana ne "zvikamu" zveMedare - izvo zvikamu mabasa ako akafukidzwa kuburikidza nehurumende uye zvirongwa ndezvokuda zvekuwedzera inishuwarenzi inotengeswa nemakambani akazvimirira.

Iyo inozivikanwawo seMedigap, Medicare yekuwedzera zvirongwa marongero mune yavo yekuvhara uye mutengo. Ichi chinyorwa chichatora zvakadzama kutarisa pamitengo inosangana neMedicare Supplement Chirongwa K.

Yakawanda sei iyo Medicare Supplement Chirongwa K inodhura?

Iwo maCentre eMedicare & Medicaid Services (CMS) anoda kuti makambani einishuwarenzi ape zvakaenzana zvirongwa zveMedigap. Izvi zvinoreva kuti chirongwa K chinopa kufukidzwa kumwechete muTennessee sezvazvinoita kuCalifornia.

Zvisinei, izvi zvirongwa hazvina kuenzaniswa maererano nemutengo. Makambani einishuwarenzi anogona kubhadharisa mwero wakasiyana wezvirongwa zveMedigap.

Makambani anowanzo mutengo Mitengo yeMedigap vachishandisa imwe yemitatu yemhando dzemhando:

• Yakawana-zera yakatarwa. Vakanyoresa vanobhadhara mari yepamusoro inowedzera zvichienderana nezera ravo. Aya marongero anowanzo sanyanya kudhura pakutanga kana munhu akaatenga iwo pazera rekupinda poindi kuMedare, ipapo anogona kudhura zvakanyanya sezvo munhu achikura.
• Nharaunda-yakatarwa. Makambani einishuwarenzi haatenderi zvirongwa izvi kubva pazera remunhu. Iyo premium inogona kuwedzera pamusoro penguva, inoenderana ne inflation, zvakadaro.
• Nyaya-zera yakatarwa. Iyo inozivikanwawo seyekupinda-zera yakatarwa zvirongwa, hurongwa hwehurongwa hune hukama nezera munhu raive paakatenga mutemo. Iyo kambani yeinishuwarenzi inogona kuwedzera iyo premium kodhi inoenderana ne inflation, asi kwete pazera remunhu riri kuwedzera.

Izvo zvakakosha kuti ubvunze kuti kambani inotenga mitengo sei zvirongwa zvayo, sezvo izvi zvichizokubatsira iwe kufungidzira chirongwa chako chinodhura sezvaunokwegura. Zvimwe zvirongwa zvinopa zvakare kudzikisira, senge yekurega kusvuta, kubhadhara ne otomatiki kubhangi kubvisa, kana kuve nemitemo yakawanda nekambani.

Izvo zvinodhura zveMedicare Supplement Plan K zvinosiyana nenyika uye nekambani yeinishuwarenzi. Iwe unogona kuisa yako ZIP kodhi muMedare yeMedigap chirongwa chekuwana kuti uwane mari inofungidzirwa yepakati yezvirongwa munzvimbo yako.

Tarisa uone mamwe eMedigap Chirongwa K mutengo maseru mumaguta mashoma kuyambuka United States kwe2021:

Sezvauri kuona, avhareji mari inogona kusiyana zvakanyanya zvichienderana nekwaunogara. Aya marange anomiririra huwandu hwakawanda hwemitengo inoenderana nezera rako, bonde, kana iwe ukatenga chirongwa, fodya, uye zvimwe zvinhu zvehutano.

Chii chinonzi Medicare Supplement Plan K inovhara?

Medicare inoda kuti zvirongwa zveMedigap zvienzaniswe. Izvi zvinoreva kuti vanofukidza iwo akafanana maficha munyika yese. Mienzaniso yezvinovharwa nePlan K inosanganisira:

• Chikamu Chekusimbiswa kwemari uye mari yechipatara kwemazuva makumi matatu nemazana matatu nemashanu mushure mekunge munhu ashandisa mabhenefiti avo eMedare
• 50 muzana yechikamu A inobviswa
• 50 muzana yemitengo yemunhu mapaundi matatu ekutanga eropa
• 50 muzana yeChikamu A chekuchengetwa kwevachengeti mari yekusimbiswa kana kukopwa
• 50 muzana yemari yekusimbiswa kwehunyanzvi hwekuchengetedza nzvimbo
• 50 muzana yemunhu Chikamu B mari yekusimbiswa kana kukopa

Plan K haibhadhare zvimwe zvinhu izvo zvingaitwa nemamwe marongero eMedigap. Mienzaniso inosanganisira Chikamu B chinobvisirwa, Chikamu B chakapomerwa mhosva, uye yekushambadzira kwekune dzimwe nyika.

Muganho wekunze kwehomwe weMedicare Chirongwa K ndeye $ 6,220 muna2021. Izvi zvinoreva kuti kana iwe ukangobhadhara yako yegore rega Chikamu B chinobvisirwa uye wosangana nePlan K yegore, mutemo weMedigap uchabhadhara zana muzana reMessage-inotenderwa masevhisi kune yasara. yegore rekarenda.

Ndiani anogona kunyoresa muMedicare Supplement Chirongwa K?

Iwe unofanirwa kuve neyekutanga Medicare kutenga Medicare yekuwedzera chirongwa. Makambani einishuwarenzi haakwanise kupa zvirongwa zveMedicare zvekuwedzera kune avo vane Medicare Advantage.

Kana iwe uine yekutanga Medicare Chikamu A uye Medicare Chikamu B, unogona kunyoresa muchirongwa cheMedigap. Pamusoro pekutanga iwe yaunobhadhara Chikamu B, iwe uchabhadhara mari yemwedzi wega yeMedigap. Iwe haugone kugovana mutemo newawakaroorana naye - iwe unofanirwa kuti mumwe nemumwe ave nemutemo wake wega.

Iyo yakakodzera nguva yekunyorera yeMedigap Chirongwa K iri panguva yako Mediap yekutanga kunyoresa nguva. Iwindo iri rinotanga pazuva rekutanga chikamu chako Chikamu B chinoshanda uye chinogara kwemwedzi mitanhatu.

Munguva yako yeMedigap yekutanga kunyoresa hwindo, makambani einishuwarenzi haakwanise kumisikidza yako mari pane akambovapo mamiriro uye kambani haigoni kuramba kukupa mutemo. Zvikasadaro, iwe unogona kutenga mutemo chero nguva, asi kambani yeinishuwarenzi ingangoda kuongororwa kwachiremba kutanga uye vanogona kuramba kukufukidza.

Mushure meiyi hwindo, panogona kuve nenguva paunenge uine "yakavimbiswa nyaya" kodzero yekutenga mutemo. Izvi zvinogona kusanganisira kana iwe warasikirwa kufukidzwa kubva kune yako yapfuura hutano hurongwa. Zvisinei, panguva ino, iwe ungatofanira kupindura mibvunzo nezve nhoroondo yako yehutano iyo inogona kuwedzera chirongwa chehurongwa.

Unotenga sei Medicare Supplement Plan K?

Medicare haidi makambani einishuwarenzi kuti ape hurongwa hwese. Kana kambani yeinishuwarenzi ikasarudza kutengesa marongero eMedigap, ivo vanofanirwa kupa zvirinani chirongwa A.

Kana iwe uchida kutenga iyo Medigap chirongwa, iwe une akati wandei sarudzo:

• Shanyira Medicare.gov uye tsvaga marongero aripo eMedigap mudunhu rako kana nekodhi kero.
• Fonera yako State Hutano Inishuwarenzi Rubatsiro Chirongwa. Iyo inozivikanwa zvakare seCHikepe, ichi agency chinobatsira vanhu vane counselling yezvirongwa zviripo munzvimbo yako.
• Fonera kana kushanyira inishuwarenzi mumiriri nekambani yeinishuwarenzi iwe yaungade quote kubva kune yeMedigap mutemo.

Kana zvasvika pamitemo yeMedigap, inobhadhara kutenga kumativi ose. Nekuti kufukidzwa kwakafanana, kuyedza kutora mutemo wakaderera-mutengo kunogona kubatsira.

Rangarira kubvunza kuti kambani yeinishuwarenzi inodhura sei mutemo. Kana mutemo wacho wakatarisana nezera, ungangoda kufunga kuti mitengo yako ingashanduke sei paunenge uchikura.

Kutora

Medicare Chirongwa K ndeimwe Medicare yekuwedzera chirongwa sarudzo. Mari yacho inogona kusiyana zvichienderana nenzvimbo, kana iwe ukanyoresa, kuti iyo inishuwarenzi kambani mitengo yayo marongero, nezvimwe.

Kana iwe uchifarira Medigap Chirongwa K, inobhadhara kutenga uchitenderera pamhepo, nefoni, kana uri munhu.

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.