Ndezvipi Zvinowanikwa Iwe Unowana NeMedare Yekuwedzera Chirongwa M?

Zvemukati

• Chii chakafukidzwa pasi peMedicare Supplement Plan M?
• Chii chisina kuvharwa pasi peMedicare Supplement Chirongwa M?
• Mishonga yemishonga
• Zvimwe zvinobatsira
• Medicare inowedzera sei kufukidza basa?
• Sarudzo
• Kusimudza
• Kukodzera
• Kuvhara kune mumwe wako
• Kubhadhara
• Kutora

Medicare Supplement (Medigap) Chirongwa M chakagadziriswa kuti ipe yakaderera pamwedzi yepimendi, inova iyo mari yaunobhadhara kuchirongwa. Mukutsinhana, iwe unofanirwa kubhadhara hafu yechikamu chako Chikamu A chipatara chinobviswa.

Medigap Chirongwa M chimwe chezvipo zvakagadzirwa neMedicare Modernization Act, iyo yakasainwa kuva mutemo muna 2003. Chirongwa M chakagadzirirwa vanhu vakasununguka nekugovana-mutengo uye vasingatarisire kushanya kuchipatara kakawanda.

Verenga pamusoro kuti udzidze izvo zvakafukidzwa uye zvisina kuvharwa pasi peMedare Supplement Chirongwa M.

Chii chakafukidzwa pasi peMedicare Supplement Plan M?

Medicare Supplement Chirongwa M kufukidza kunosanganisira zvinotevera:

* Zvakakosha kuziva kuti nepo Plan N ichibhadhara 100% yeChechi B yako yemari, iwe uchave necopay inosvika kumadhora makumi maviri yekumwe kushanya kwehofisi uye kusvika kumadhora makumi mashanu emakopi ekushanyirwa kwemakamuri echimbichimbi ayo asingakonzere kugamuchirwa kwevanorwara.

Chii chisina kuvharwa pasi peMedicare Supplement Chirongwa M?

Aya mabhenefiti anotevera isina kuvharwa pasi pePurani M:

• Chikamu B chinobviswa
• Chikamu B mari yakawandisa

Kana chiremba wako achibhadharisa mubhadharo pamusoro peiyo Medicare yakapihwa mwero, izvi zvinonzi Chikamu B chinodarika cheji. NeMedigap Plan M, iwe ndiwe unobhadhara kubhadhara aya Chikamu B mari yakawandisa.

Mukuwedzera kune izvi zvisizvo, pane zvimwe zvishoma zvimwe zvinhu zvisina kuvharwa nechero chirongwa cheMedigap. Tichatsanangura zvinotevera.

Mishonga yemishonga

Medigap haitenderwi zviri pamutemo kupa outpatient prescription drug drug.

Paunenge uchinge uine yekutanga Medicare (Chikamu A uye Chikamu B), unogona kutenga Medicare Chikamu D kubva kune yakazvimiririra inishuwarenzi kambani. Chikamu D chinowedzera-kuiyo yekutanga Medicare inopa kupihwa mishonga yekunyorera mishonga.

Zvimwe zvinobatsira

Zvirongwa zveMedigap zvakare hazvifukidze kuona, mazino, kana kunzwa kwekunzwa. Kana iko kufukidzwa kwakakosha kwauri, ungangoda kufunga nezveMedare Advantage (Chikamu C), sezvo izvi zvirongwa zvinowanzo sanganisira mabhenefiti akadaro.

Sezvo neMedicare Chikamu D, iwe unotenga chirongwa cheMedicare Advantage kubva kune imwe kambani inishuwarenzi.

Izvo zvakakosha kuti uzive kuti iwe haugone kuve zvese zviri zviviri chirongwa cheMedigap uye chirongwa cheMedicare Chekubatsira panguva imwe chete. Unogona chete kusarudza imwe kana imwe.

Medicare inowedzera sei kufukidza basa?

Mitemo yeMedigap zvirongwa zvakaenzana zvinowanikwa kubva kumakambani einishuwarenzi akazvimirira. Vanobatsira kuvhara mari inosara kubva kuMedare Chikamu A (inishuwarenzi yechipatara) uye Chikamu B (inishuwarenzi yekurapa).

Sarudzo

Mumatunhu mazhinji, unogona kusarudza kubva pakati pezvirongwa gumi zvakasiyana zveMedigap (A, B, C, D, F, G, K, L, M, uye N). Zano rega rega rine rakasiyana mubairo uye rinoratidza dzakasiyana nzira dzekuvhara. Izvi zvinokupa iwe mukana wekusarudza yako yekuvhara zvichienderana nebhajeti rako uye nehutano hwako zvaunoda.

Kusimudza

Kana iwe uchigara muMassachusetts, Minnesota, kana Wisconsin, mitemo yeMedigap - kusanganisira kufukidzwa kunopihwa kuburikidza neMedigap Chirongwa M - zvakaenzana zvakasiyana pane kune mamwe matunhu uye zvinogona kunge zvine mazita akasiyana.

Kukodzera

Iwe unofanirwa kutanga wanyoreswa mune yekutanga Medicare kuti uve unokodzera Medicare Chirongwa M kana chero imwe chirongwa cheMedigap.

Kuvhara kune mumwe wako

Zvirongwa zveMedigap zvinofukidza munhu mumwe chete. Kana iwe newawakaroorana naye mese makanyoreswa muMedicare yekutanga, imi mese muchada mutemo wenyu weMedigap.

Mune ino kesi, iwe nemumwe wako munogona kusarudza marongero akasiyana. Semuenzaniso, unogona kuve neMedigap Chirongwa M uye mumwe wako anogona kunge aine Medigap Chirongwa C.

Kubhadhara

Mushure mekuwana kurapwa kwakabvumidzwa neMedare-Mari pamutengo unobvumidzwa neMedare:

1. Medicare Chikamu A kana B ichabhadhara chikamu chayo chemubhadharo.
2. Yako Medigap mutemo unobhadhara mugove wayo wemubhadharo.
3. Iwe uchabhadhara mugove wako, kana paine.

Semuenzaniso, kana iwe uine varwere vekunze kwekutevera-ekushanya nachiremba wako mushure mekuita uye iwe uine Medicare Supplement Plan M, iwe unobhadhara kune avo vashanyi kudzamara iwe wabhadhara yako yegore reMedare Chikamu B chipatara chinobviswa.

Mushure mekunge masangana neyakabviswa, Medicare inobhadhara makumi masere muzana ekurapwa kwako kwevanorapwa kunze. Ipapo, Medicare Supplement Chirongwa M inobhadharira mamwe makumi maviri muzana.

Kana chiremba wako asingagamuchire yakapihwa maMedicare mitengo, uchafanirwa kubhadhara iyo yakawandisa, iyo inozivikanwa seChikamu B mubhadharo wakawandisa.

Unogona kutarisa nachiremba wako usati wawana rubatsiro. Pamutemo, chiremba wako haatenderwe kubhadharisa zvinopfuura zvikamu gumi nezvishanu kubva muzana pamusoro pemutero unobvumidzwa neMedare.

Kutora

Medicare Chirongwa M chinogona kukubatsira iwe kubhadhara mari yekurapa isina kuvharwa pasi peiyo yekutanga Medicare (zvikamu A neB). Kufanana nezvirongwa zvese zveMedigap, Medicare Supplement Plan M haifukidze mishonga yekunyorera kana mamwe mabhenefiti, senge mazino, kuona, kana 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.