Chii Chaunofanira Kuziva Nezve Medicare Supplement Chirongwa K Coverage

Zvemukati

• Chii chinonzi Medicare Supplement Plan K inovhara?
• Nei uchitenga Medicare Supplement Chirongwa K?
• Iyo yepagore yekubuda-kwe-muhomwe muganho inoshanda sei?
• Izvo zvisina kufukidzwa neMedicare Supplement Chirongwa K
• Kutora

Medicare Supplement Chirongwa K ndechimwe chezvirongwa gumi zvakasiyana zveMedigap uye chimwe chezvirongwa zviviri zveMedigap zvine gore risingabude muhomwe.

Zvirongwa zveMedigap zvinopihwa mumatunhu mazhinji kubatsira kubhadhara mamwe emitengo yehutano isina kuvharwa neMedicare yekutanga (Chikamu A uye Chikamu B). Kana iwe uchigara muMassachusetts, Minnesota, kana Wisconsin, mitemo yeMedigap ine mazita etsamba akasiyana.

Kuti ukwanise chero chirongwa cheMedigap, unofanirwa kunyoreswa mune yekutanga Medicare.

Ngatitsvagei kuti Medicare Supplement Plan K inovhara chii, haifukidze, uye kana chingave chakakodzera iwe.

Chii chinonzi Medicare Supplement Plan K inovhara?

Medicare Supplement Plan K inosanganisira zvinotevera kufukidzwa kweMedare Chikamu A (chipatara inishuwarenzi) uye Medicare Chikamu B (kunze kwechipatara inishuwarenzi) mutengo, pamwe nezvimwe zvekuwedzera.

Heano kuputsika kwemitengo yeMedigap Chirongwa K chichafukidza:

• Chikamu A coinsurance uye zvipatara zvinodhura kusvika kune imwezve mazuva mazana matatu nemakumi matatu nemashanu mushure meMedare mabhenefiti apera: 100%
• Chikamu A chinobviswa: 50%
• Chikamu Chikamu chekuchengetwa kwevanochengetwa nevarwere. 50%
• ropa (kutanga matatu mapendi): 50%
• hunyanzvi hwekuchengetedza nzvimbo yekuchengetedzwa kwemari: 50%
• Chikamu B coinsurance kana copayments: 50%
• Chikamu B chinobviswa: isina kuvharwa
• Chikamu B mari yakawandisa: isina kuvharwa
• yekune dzimwe nyika shanduko: isina kuvharwa
• kunze-kwe-muhomwe muganho:

  Nei uchitenga Medicare Supplement Chirongwa K?

  Chimwe chezvinhu zvinoita kuti Medicare Supplement Plan K ive yakasiyana nedzimwe nzira zhinji dzeMedigap ndeyegore rekubuda muhomwe.

  
  

  Neyekutanga Medicare, hapana kapu pamari yako yegore yekubuda muhomwe. Kutenga Medicare Supplement Chirongwa K kunogumira huwandu hwemari yauchazoshandisa pakurapa panguva yegore. Izvi zvinowanzo kuve zvakakosha kune vanhu avo:

  • kuve nemitengo yakakwira yekurapa kwekurapa, kazhinji nekuda kwehutano husingaperi
  • unoda kudzivirira kusagadzikana kwezvemari kana zvikaitika zvakanyanya kudhura

  Iyo yepagore yekubuda-kwe-muhomwe muganho inoshanda sei?

  Paunenge uchinge wasangana neyako yegore Chikamu B chakabviswa uye yako Medigap kunze-kwehomwe pagore muganho, 100% yeese akavharirwa masevhisi kwegore rose rinobhadharwa neako Medigap chirongwa.

  Izvi zvinoreva kuti haufanire kunge uine imwe yekunze-kwehomwe mari yekurapa yegore, chero bedzi masevhisi akafukidzwa neMedicare.

  Imwe chirongwa cheMedigap chinosanganisira gore risingapfuure muhomwe ndeye Medicare Supplement Plan L. Heano ekunze-kwehomwe muganho zviyero zvezvirongwa zvese muna2021:

  • Medicare Supplement Chirongwa K: $6,220
  • Medicare Supplement Chirongwa L: $3,110
  

  Izvo zvisina kufukidzwa neMedicare Supplement Chirongwa K

  Sezvambotaurwa, Chirongwa K hachifukidze Chikamu B chinobvisirwa mari, Chikamu B chakapomerwa mhosva, kana rubatsiro rwekunze rwekufambisa.

  
  

  Mitemo yeMedigap zvakare kazhinji haifukidze kuona, mazino, kana kunzwa mabasa. Kana iwe uchida iyi mhando yekuvhara, funga nezve Medicare Advantage (Chikamu C) chirongwa.

  Pamusoro pezvo, zvirongwa zveMedare zvinowedzera hazvivhare zvekurapa zvekutengesa mishonga yemishonga. Zvekurapa kwekurapa kwekunwa mishonga, iwe unoda chirongwa chakasiyana cheMedare Chikamu D kana chirongwa cheMedare Rekunobatsira chine chinyorwa ichi chakabatanidzwa.

  Kutora

  Medicare Supplement Plan K kufukidza ndeimwe gumi gumi akasiyana Medigap zvirongwa zvekubhadhara imwe yehutano hutano hwakasara kubva pakutanga Medicare kufukidza.

  Pamwe neMedicare Supplement Chirongwa L, ndechimwe chezvirongwa zviviri zveMedigap zvinosanganisira chivharo chemarii yauchazoshandisa pakurapwa kwakatenderwa neMedare.

  Medicare Supplement Plan K haisanganisiri kufukidza kwe:

  • mishonga yemishonga
  • mazino
  • chiratidzo
  • kunzwa

  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.