Zvese Nezve Medicare Supplement Chirongwa N Kubata

Zvemukati

• Rondedzero yeMedicare Supplement Chirongwa N kufukidza
• Chii chisina kuvharwa pasi peMedicare Supplement Chirongwa N?
• Kufaira kweMedigap kunoshanda sei?
• Sarudzo
• Kusimudza
• Kubhadhara
• Kukodzera
• Kufukidza mukadzi nemurume
• Kuwana mutemo weMedigap
• Tora woenda nazvo

Medicare Supplement Chirongwa N chakagadzirirwa vanhu vari kuda kubhadhara mamwe macopay uye diki yegore inobviswa kuti vave nemitengo yepasi yepasi (iyo mari yaunobhadhara pachirongwa).

Medigap Supplement Plan N inovhara:

• Iyo makumi maviri muzana iyo Medicare Chikamu B haina.
• Chipatara chako chinobviswa.
• Chipatara chako copays uye coinsurance.
• 80 muzana yekushanya kwekunze emergency emergency.

Ramba uchiverenga kuti udzidze zvakawanda nezve Medicare Supplement Chirongwa N - zvazvinofukidza uye nezvazvisingakwanise - uye maitiro ekuitenga.

Rondedzero yeMedicare Supplement Chirongwa N kufukidza

Medicare Supplement Chirongwa N kufukidza kunosanganisira:

• 100 muzana yeChipiri A coinsurance uye chipatara zvinodhura kusvika kune mamwe mazuva mazana matatu nemakumi matatu nemashanu mushure mekubatsirwa kweMedicare kwashandiswa.
• 100 muzana yeChikamu A inobviswa.
• 100 muzana yeChikamu A chekuchengetwa kwevachengeti mari yekusimbiswa kana kukopa.
• 100 muzana yematatu ekutanga eropa.
• 100 muzana yehunyanzvi hunyanzvi hwekuchengetwa kwekuchengetedzwa kwemari.
• 100 muzana * yeChikamu B mari yekusimbiswa kana kubhadhara.
• 80 muzana yekushambadzira kwekune dzimwe nyika.

Iyo haina kufukidza:

• Chikamu chako B chinobviswa.
• Yako Chikamu B yakawandisa kubhadharisa.

Ne Medicare Supplement Plan N, zana muzana reChikamu B chemari inotsigirwa inobhadharwa kunze kwekubhadharwa kwemari inosvika kumadhora makumi mashanu ekushanyirwa kwemakamuri ekukurumidzira izvo zvisingakonzere kubvumirwa kwevarwere, pamwe nemari inobhadharwa inosvika kumadhora makumi maviri kune imwe hofisi. kushanya.

Chii chisina kuvharwa pasi peMedicare Supplement Chirongwa N?

Medicare Chirongwa N hachifukidze:

• Zvinyorwa
• Chiono
• Mazino
• Kunzwa

Kana iwe uchida kurapwa kwechirwere chemushonga wepamberi, unogona kutenga Medicare Chikamu D.

Kana iwe uchida mazino, maonero, uye kuvhara kwekunzwa, funga nezveMedare Advantage Plan. Nekudaro, ndapota cherekedza kuti haugone kuve nezvose zviri zviviri chirongwa cheMedigap uye chirongwa cheMedicare Advantage.

Kufaira kweMedigap kunoshanda sei?

Mitemo yeMedigap inowanikwa kubatsira kuzadza musiyano uripo pakati peiyo yekutanga Medicare yaunobhadhara uye nezvaunobhadhara pakurapwa.

Sarudzo

Kune gumi akasiyana maMedigap Zvirongwa (A, B, C, D, F, G, K, L, M, N) ayo ese anoratidzira akasiyana kufukidza uye ane akasiyana maprimiyamu. Iyi sarudzo inokutendera iwe kusarudza kufukidza zvichibva pane zvaunoda uye bhajeti.

Kusimudza

Zvirongwa zveMedigap zvakaenzana nenzira imwecheteyo muma47 makumi mashanu ematunhu. Kana iwe uchigara muMassachusetts, Minnesota, kana Wisconsin, Medigap marongero (kusanganisira Medicare Supplement Chirongwa N kufukidzwa) akaenzana zvakasiyana.

Kubhadhara

Paunogamuchira kurapwa-kunotenderwa kurapwa:

1. Medicare inobhadhara mugove wayo weiyo Medicare-inogamuchirwa huwandu.
2. Yako Medigap mutemo unobhadhara chikamu chayo.
3. Iwe unobhadhara chikamu chako (kana chiripo).

Kukodzera

Kuti uve unokodzera chero chirongwa cheMedigap, kusanganisira Medicare Supplement Plan N, iwe unofanirwa kuve uine yekutanga Medicare Chikamu A (chipatara inishuwarenzi) uye Medicare Chikamu B (inishuwarenzi yekurapa).

Kufukidza mukadzi nemurume

Yako Medigap chirongwa chinongokufukidza iwe. Wako wawakaroorana naye, kana achikodzera Medicare, angangoda kutenga mutemo wega.

Kuwana mutemo weMedigap

Paunenge uchinge uine yekutanga Medicare, unogona kutenga mutemo weMedigap kubva kukambani yeinishuwarenzi. Kuti utore chirongwa chakanangana nekambani yeinishuwarenzi, vanhu vazhinji vanotaurirana nenhengo yemhuri inovimbwa, shamwari ine yazvino chirongwa cheMedigap, kana mumiriri weinishuwarenzi.

Vamwe vanogona kubata SHIPO yavo yenyika (State Health Insurance Chirongwa) kuti vatungamirirwe. YAKO SHIPI inofanirwa kukwanisa kupa rwemahara rubatsiro mukusarudza mutemo pamwe neMedigap chiyero chekuenzanisa gwara.

Nyika yako inogona kunge ine inopfuura imwe kambani yeinishuwarenzi inotengesa marongero eMedigap. Kazhinji, mutengo wekufukidzwa kumwe chete unosiyana kubva kukambani kuenda kukambani.

Tora woenda nazvo

Medicare Supplement Chirongwa N kufukidza ndeimwe yegumi yakasarudzika sarudzo dzakasarudzika kubatsira kuzadza "maburi" mune yekutanga Medicare kufukidza. Iyo sarudzo kune vanhu vanoda kufukidzwa kwakawanda asi, kudzikisa maprimiyamu avo, vari kuda kubhadhara mamwe macopay uye diki yegore inobviswa.

Kufanana nezvirongwa zvese zveMedigap, Medicare Supplement Plan N kufukidza hakusanganisi mishonga yemishonga. Kana iwe uchida kufukidzwa kwemushonga iwe unogona kutenga Medicare Chikamu D. Medicare Chirongwa N zvakare haifukidze mazino, maonero, kana kunzwa.

Kana iwe uchida kufukidzwa kweaya masevhisi, funga chirongwa cheMedicare Advantage. Iwe unogona kuve nechirongwa cheMedicare Advantage kana chirongwa cheMedigap; haugone kuva nezvose.