Is Medicare Supplement Plan N iyo iyo Medigap Chirongwa chako?

Zvemukati

• Chii chinonzi Medicare Supplement Chirongwa N?
• Chii chinonzi Medicare chinowedzera (Medigap) Chirongwa N chivharo?
• Kubatsira kweMedigap Chirongwa N
• Kukanganisa kweMedigap Chirongwa N
• Ndiri kukodzera here kuMedigap Chirongwa N?
• Yakawanda sei iyo Medicare Supplement Chirongwa N inodhura?
• Kutora

Kana iwe uchikodzera Medicare, chirongwa cheMedare kana chirongwa che "Medigap" chinopa sarudzo yekuwedzera inishuwarenzi. Medigap Chirongwa N "chirongwa" uye kwete "chikamu" cheMedare, senge Chikamu A uye Chikamu B, icho chinofukidza zvido zvako zvekutanga zvekurapa.

Medicare Supplement Chirongwa N imwe yemhando yeinishuwarenzi yaunogona kutenga kuti ubatsire kudzikisa mari yako yekubuda muhomwe. Aya marongero anogona kuvhara mitengo semaprimiyamu, macopay, uye zvinokamurwa.

Kusarudza chirongwa cheMedigap kunogona kuvhiringidza nekuti marongero akasiyana siyana anopa akasiyana siyana ekuvhara uye mabhenefiti. Kunzwisisa mabhenefiti aya kunogona kukubatsira kusarudza chirongwa cheMedigap chakanakira iwe.

Chii chinonzi Medicare Supplement Chirongwa N?

Kufanana nemamwe mapfumbamwe zvirongwa zveMedigap, Chirongwa N irudzi rwunotarisirwa pachivande rweMedicare yekuwedzera inishuwarenzi. Yakagadzirirwa kuti ikubatsire kuvhara yakatarwa-ye-muhomwe mari yehutano hwako iyo Medicare Chikamu A uye Medicare Chikamu B hachifukidze.

Ronga N rinofukidza zvinhu zvakaita seMedare Chikamu Chikamu chemari, mari yaunofanirwa kubhadhara-ye-muhomwe yemasevhisi uye yekuchengetwa kwechipatara, pamwe neMedicare Chikamu B mari yekuchengetedzwa kwevarwere. Kana iwe ukapedza zvakawandisa gore rega rega pamari yekusimbiswa uye kukopa, Medicare Supplement Chirongwa N inogona kuzvibhadharira pachayo nekukurumidza.

Medigap Chirongwa N marongero anodikanwa nemutemo kuve akaenzana. Izvi zvinoreva kuti zvisinei kuti ndeipi kambani yaunotenga Medicare yekuwedzera Plan N kubva, inofanirwa kupa imwecheteyo yekuvhara.

Haasi ese marongero eMedigap anowanikwa munzvimbo dzese. Chirongwa N hachifanirwe kutengeswa mudunhu rega rega, uye makambani einishuwarenzi anotengesa Medicare ekuwedzera marongero anogona kusarudza kwekutengesa marongero avo ePlan N.

Kana iwe uchigara muMassachusetts, Minnesota, kana Wisconsin, mamiriro ematanho eMedigap anogona kusiyana.

Chii chinonzi Medicare chinowedzera (Medigap) Chirongwa N chivharo?

Medigap inongovhara masevhisi-anotenderwa masevhisi. Naizvozvo, haizofukidza zvinhu zvakaita sekuchengetwa kwenguva refu, kuona, mazino, zvinobatsira kunzwa, magirazi emaziso, kana mukoti wepachivande.

Medicare yekuwedzera Chikamu N inovhara mutengo weinotevera:

• Medicare Chikamu A chinobviswa
• Medicare Chikamu A coinsurance uye chipatara chinogara kusvika pamazuva makumi matatu nematanhatu
• Medicare Chikamu B mari yekuchengetedzwa kwekuchengetwa kwevarwere pamwe nemaitiro
• Medicare Chikamu B vanoteedzera kumahofisi evanopa hutano
• kuwedzerwa ropa (kusvika kumatatu pints)
• Kuchengetwa kwevagari vemo uye nzvimbo yevanamukoti vane hunyanzvi
• Makumi masere muzana emitengo yehutano paunenge uchifamba kunze kweUnited States

Medicare yekuwedzera Chirongwa N haifukidze iyo inobvisirwa Medicare Chikamu B. Izvi zvinodaro nekuda kwekushandurwa kwemutemo weMedicare uyo unorambidza zvirongwa zvese zveMedigap kubva pakuvhara iyo Medicare Chikamu B inobviswa.

Nepo Medigap Chirongwa N ichifukidza zana muzana rePurani B yako kubhadharisa mari, iwe ndiwe unokoka kushanya kwechiremba kukopa kusvika kumadhora makumi maviri uye imba yekukurumidzira kushanyira kopi ye $ 50

Plan N yakafanana nezvirongwa F uye G, asi inogona kunge isinganyanye kudhura. Kune vamwe vanhu, Chirongwa N inogona kunge iri mhinduro inodhura yeMedigap kufukidza.

Kubatsira kweMedigap Chirongwa N

• mapuramu emwedzi nemwedzi anodhura zvakaderera pane zvirongwa zveMedigap F uye G, izvo zvinopa zvakafanana kufukidzwa
• inovhara zvachose yako Medicare Chikamu A chinobviswa
• inovhara makumi masere muzana emitengo yako kana uchida kurapwa paunenge uchifamba kunze kweUnited States

Kukanganisa kweMedigap Chirongwa N

• zvinoita macopay emadhora makumi maviri kwachiremba uye $ 50 kuimba yekukurumidzira
• haifukidze yako Medicare Chikamu B inobvisirwa, kunyangwe pasina marongero matsva eMedigap anoita
• ungangodaro uchifanirwa kubhadhara "mari yakawandisa" kana wako mupi wezvehutano achibhadharisa zvinopfuura izvo Medicare achabhadhara

Ndiri kukodzera here kuMedigap Chirongwa N?

Kana iwe wakanyoreswa muMedare zvikamu A uye B, unokodzera kutenga Plan N kana ichiwanikwa mudunhu rako. Sezvo nezvose zvirongwa zveMedigap, unofanirwa kusangana nematanho ekunyora uye mazuva ekupedzisira.

Iwe unogona kunyoresa mune chero chirongwa cheMedicare chinowedzera, kusanganisira chirongwa N, panguva yekutanga kunyoresa nguva iwe paunosvitsa makore makumi matanhatu nemashanu ekuberekwa. Kana iwe ukatenga Medigap panguva iyoyo, wako inishuwarenzi mupi haakwanise kuramba kukutengesera mutemo zvinoenderana neyako yekurapa nhoroondo.

Zvinyorwa, unogona kutenga chirongwa cheMedare chinowedzera chero nguva. Mushure mekunge yako yekutanga kunyoresa nguva yapera, pane mukana wekuti inishuwarenzi mupi acharamba kukutengesera Chirongwa N.

Iko hakuna mari kana muripo kubva kuhurumende yemubatanidzwa inosanganisirwa neMedare ekuwedzera zvirongwa. Zvisinei, kana chiremba wako asingatore Medicare mugove, iwe unogona kuve nemhosva yezvikwereti pamusoro pemari iyo Medicare ingadai yakabhadhara, kunyangwe iwe uine mutemo weMedigap.

Plan N haifukidze Medicare Chikamu D (inonyorwa mishonga kufukidza) mutengo.

Nemutemo, haugone kutenga chirongwa cheMedigap kana iwe uine Medicare Advantage. Zvisinei, mukati megore rokutanga iwe unyoresa muMedare Advantage, unogona kuchinja kubva kuMedare Advantage kuenda kuMedare yekutanga neMedigap chirongwa.

Yakawanda sei iyo Medicare Supplement Chirongwa N inodhura?

Iko kune yepamwedzi yeprimiyamu yeMedicare yekuwedzera zvirongwa. Mari yako yePlan N inogona kusiyana zvichienderana nekwaunogara uye nekambani yeinishuwarenzi yauri kutenga mutemo kubva.

Kuti uwane fungidziro yekuti iwe uchabhadhara zvakadii zvePurani N munharaunda yako, unogona kuenda kuchirongwa chekuwana chirongwa cheMedicare wopinda ZIP code yako.

Kusarudza chirongwa cheMedigap kunogona kuva kwakaoma sezvo usingakwanise kugara uchitarisira kuti mari yako yehutano ichave yakadii mune ramangwana. Funga nezvemibvunzo inotevera kana iwe uchiongorora zvirongwa zveMedare zvinowedzera:

• Iwe unowanzo rova ​​kana kupfuudza yako yegore Medicare Chikamu A chinobviswa? Mari yese yegore yePrimum yePrimamu inogona kunge yakanyanya kana kushoma pane iyo yaunobvisa iwe yaunowanzobhadhara.
• Kana iwe ukawedzera mari senge macopay, kushanya mukamuri rekukurumidzira, uye kuwedzerwa ropa, iwe unowanzoshandisa zvakadii mugore? Kana iwe ukakamuranisa iyo nhamba ne12 uye iri yakawanda kupfuura yemwedzi wepimendi yePlan N, chirongwa chekuwedzera chinogona kukuchengetedza mari.
• Iwe parizvino uri muMedare yakavhurika kunyoresa nguva inoitika kana iwe uchinge wasvitsa makore makumi matanhatu nemashanu? Kunyoresa chirongwa cheMedigap panguva yekunyoresa pachena kungava kwako chete mukana wekutenga kufukidzwa kweMedigap apo hutano hwako uye nhoroondo yezvokurapa isingakwanise kushandiswa kuramba kunyorera.

Kutora

Medicare Supplement Chirongwa N chirongwa chakakurumbira cheMedigap chinofukidza yakawanda yemari yako yekunze-yehomwe kubva kuMedare.

Kufanana neese Medicare ekuwedzera chirongwa, Medigap Chirongwa N chine zvayakanakira nezvayakaipira, uye mutengo unosiyana zvichienderana nekwaunogara.

Kana iwe uine mibvunzo nezve zvaunogona kuita kana uchida kudzidza zvakawanda, unogona kufonera Mahara rubatsiro runhare panhamba 800-MEDICARE (633-4227) kana kubata hofisi yako yemuno SHIPI.

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.