Ko Medicare Yekuwedzera Chirongwa F Inofananidzwa neChirongwa G?

Zvemukati

• Chii chinonzi Medicare yekuwedzera inishuwarenzi (Medigap)?
• Chii chinonzi Medicare Supplement Chirongwa F?
• Ndiri kukodzera kunyoresa muMedicare Supplement Chirongwa F?
• Ndiani anogona kunyoresa muPurani F?
• Chii chinonzi Medicare Supplement Chirongwa G?
• Ndiri kukodzera kunyoresa muMedicare Supplement Chirongwa G?
• Plan F inofananidzwa sei nePlan G?
• Zvirongwa zvakadii F uye hurongwa G zvinodhura?
• Kutora

Medigap, kana Medicare yekuwedzera inishuwarenzi, inogona kubatsira kubhadhara zvinhu izvo zvekutanga Medicare zvisingaiti. Medigap ine zvirongwa zvakati wandei zvaunogona kusarudza kubva, kusanganisira Plan F uye Plan G.

Medigap "zvirongwa" zvakasiyana neMedicare "zvikamu," zvinova zvinhu zvakasiyana zvekuvhara kwako Medicare uye zvinogona kusanganisira:

• Medicare Chikamu A (inishuwarenzi yechipatara)
• Medicare Chikamu B (inishuwarenzi yekurapa)
• Medicare Chikamu C (Medicare Kubatsira)
• Medicare Chikamu D (inonyorera mishonga yekuvhara)

Saka, chii chaizvo chirongwa cheMedigap F uye chirongwa G? Uye ivo vanoungana sei vachipesana? Ramba uchiverenga patinotora kudzika kwakadzika mumibvunzo iyi.

Chii chinonzi Medicare yekuwedzera inishuwarenzi (Medigap)?

Medigap inonziwo Medicare yekuwedzera inishuwarenzi. Inogona kushandiswa kubatsira kubhadhara mari yehutano yemitengo isina kufukidzwa neyekutanga Medicare (zvikamu A neB).

Medigap inoumbwa nezvirongwa gumi zvakasiyana, chimwe nechimwe chakasarudzwa netsamba: A, B, C, D, F, G, K, L, M, uye N. Chirongwa chega chega chinosanganisira seti chaiyo yezvikomborero zvakakosha, zvisinei nekambani ipi anotengesa chirongwa.

Zvisinei, mari yeimwe yeaya marongero inogona kutsamira pazvinhu zvakawanda zvinosanganisira kwaunogara uye mutengo wakasetwa neimwe kambani yeinishuwarenzi.

Chii chinonzi Medicare Supplement Chirongwa F?

Medigap Chirongwa F inoonekwa seimwe yemapurani eMedigap. Kunge mamwe marongero eMedigap, iwe unenge uine mari yepamwedzi pamwedzi yePurani F. Iyi mari inoenderana nechero mutemo wawatenga.

Mazhinji zvirongwa zveMedigap hazvina chekubvisa. Nekudaro, mukuwedzera kune zvakajairwa chirongwa F, iwe zvakare une mukana wekutenga yakakwira-inobviswa mutemo. Iwo maprimiyamu ezvirongwa izvi akaderera, asi uchafanirwa kusangana neyakabvisirwa kufukidza isati yatanga.

Kana iwe uchikwanisa kutenga Chirongwa F, unogona kutenga mutemo uchishandisa chishandiso chekutsvaga chaMedicare. Izvi zvinokutendera kuti uenzanise marongero akasiyana akapihwa munzvimbo yako.

Medigap Chirongwa F inovhara zana muzana yemitengo inotevera:

• Chikamu A chinobviswa
• Chikamu A coinsurance uye copay mutengo
• Chikamu B chinobviswa
• Chikamu B kusimbiswa uye kukopa
• Chikamu B chekutanga
• Chikamu B mari yakawandisa
• ropa (kutanga matatu mapuniki)
• 80 muzana ye emergency emergency kana uchifamba kune imwe nyika

Ndiri kukodzera kunyoresa muMedicare Supplement Chirongwa F?

Mitemo yekunyora yePlan F yakachinja muna 2020. Kubva muna Ndira 1, 2020, zvirongwa zveMedigap hazvichabvumidzwa kuvhara iyo Medicare Part B premium.

Kana iwe wakanyoreswa muMedigap Chirongwa F pamberi pa2020, unokwanisa kuchengeta hurongwa hwako uye mabhenefiti anozokudzwa. Zvisinei, avo vatsva kuMedare havana kukodzera kunyora muChirongwa F.

Ndiani anogona kunyoresa muPurani F?

Mitemo mitsva yeChirongwa F kunyoresa ndeinotevera:

• Chirongwa F hachiwanikwe kune chero munhu akazove anokodzera Medicare musi kana mushure meNdira 1, 2020.
• Vanhu vakatovharwa nePlan F pamberi pa2020 vanokwanisa kuchengeta hurongwa hwavo.
• Chero ani zvake aikodzera Medicare pamberi paNdira, 1, 2020 asi asina Plan F achiri kukwanisa kutenga imwe, kana iripo.

Chii chinonzi Medicare Supplement Chirongwa G?

Zvakafanana neChirongwa F, Medigap Plan G inovhara akasiyana siyana emitengo; zvisinei, izvo hazviiti kufukidza yako Medicare Chikamu B inobviswa.

Iwe une premium yemwedzi nePlan G, uye zvaunobhadhara zvinogona kusiyana zvichienderana nehurongwa waunosarudza. Unogona kufananidza marongero ePlan G munharaunda yako uchishandisa chishandiso chekutsvaga cheMedare.

Iko kune zvakare yakasarudzika-yakaderedzwa sarudzo yePlan G. Zvakare, mapurani anodhonzwa epamusoro ane maprimiyamu akaderera, asi iwe uchafanirwa kubhadhara iyo yakatemwa mari inobviswa mari yako isati yafukidzwa.

Medigap Chirongwa G inovhara zana muzana yemitengo yakanyorwa pazasi:

• Chikamu A chinobviswa
• Chikamu A coinsurance uye copays
• ropa (kutanga matatu mapuniki)
• Chikamu B kusimbiswa uye kukopa
• Chikamu B mari yakawandisa
• 80 muzana ye emergency emergency kana uchifamba kune imwe nyika

Ndiri kukodzera kunyoresa muMedicare Supplement Chirongwa G?

Sezvo chirongwa G chisingavhare iyo Medicare Chikamu B inobviswa, chero munhu akanyoreswa mune yekutanga Medicare anogona kuitenga. Kuti unyore muChirongwa G, iwe unofanirwa kuve uine yekutanga Medicare (zvikamu A uye B).

Unogona kutanga kutenga Medicare yekuwedzera mutemo panguva yako yeMedigap yekutanga kunyoresa nguva. Iyi inguva yemwedzi mitanhatu inotanga mwedzi waunosvitsa makore makumi matanhatu nemashanu uye iwe wakanyoresa muMedare Chikamu B.

Vamwe vanhu vanokodzera Medicare vasati vava nemakore makumi matanhatu nemashanu. Zvisinei, mutemo wezvematongerwo enyika haudi kuti makambani atengese marongero eMedigap kuvanhu vari pasi pemakore makumi matanhatu nemashanu.

Kana iwe uri pasi pemakore makumi matanhatu nemashanu, unogona kusakwanisa kutenga iyo chaiyo Medigap mutemo waunoda. Mune zvimwe zviitiko, unogona kusakwanisa kutenga imwe zvachose. Zvisinei, dzimwe nyika dzinopa Medicare SELECT, inova imwe nzira yeMedigap chirongwa icho chinowanikwa kune vanhu vari pasi pemakore makumi matanhatu nemashanu ekuberekwa.

Plan F inofananidzwa sei nePlan G?

Saka izvi zvirongwa zvinofananidzwa sei kune mumwe nemumwe? Pakazara, ivo vakafanana chaizvo.

Zvirongwa zvese izvi zvinopa kufukidzwa kwakaenzana. Musiyano mukuru ndewekuti Plan F inovhara iyo Medicare Chikamu B inobvisirwa apo Plan G isingaiti.

Zvirongwa zvese izvi zvakare zvine yakakwira-inobviswa sarudzo. Muna 2021, iyi inobvisirwa yakaiswa pamadhora 2,370, ayo anofanirwa kubhadharwa chero mutemo usati watanga kubhadhara mabhenefiti.

Mumwe musiyano mukuru pakati pePlan F uye Plan G ndiani anokwanisa kunyoresa. Chero ani zvake akanyoresa muMedical yepakutanga anogona kusaina Chirongwa G. Izvi hazvisi zvechokwadi kune Chirongwa F. Chete avo vaikodzera Medicare pamberi paNdira 1, 2020 vanogona kunyoresa muPlan F.

Tarisa uone matafura pazasi kuti uone kuenzaniswa kwePlan F vs. Plan G.

Zvirongwa zvakadii F uye hurongwa G zvinodhura?

Iwe uchafanirwa kubhadhara mari yemwedzi pamwedzi pane yako Medigap chirongwa. Izvi zviri kuwedzera kune yepamwedzi premium iwe yaunobhadhara yeMedare Chikamu B kana uine chirongwa G.

Mari yako yemubhadharo yemwedzi nemwedzi inogona kubva pane yako marongero, mupi wezano, uye nzvimbo. Enzanisa mitengo yemitemo yeMedigap munharaunda yako usati wafunga pane imwe.

Pazasi pane musoro-kusvika-musoro mutengo wekuenzanisa Medigap Chirongwa F uye Chirongwa G mune mana muenzaniso maguta kuyambuka United States.

Haisi nzvimbo dzese dzinopa yakakwira-inobviswa sarudzo, asi vazhinji vanozviita.

Kutora

Medigap ndeyekuwedzera inishuwarenzi iyo inobatsira kuvhara mari iyo isina kufukidzwa neyekutanga Medicare. Medigap Chirongwa F uye Chirongwa G zviviri zvezvirongwa gumi zvakasiyana zveMedigap zvaunogona kusarudza kubva.

Ronga F uye Chirongwa G zvakafanana chaizvo. Zvisinei, nepo chirongwa G chiripo kune chero munhu mutsva kuMedare, hurongwa F marongedzero haagone kutengwa nevatsva kuMedare mushure meNdira 1, 2020.

Zvirongwa zvese zveMedigap zvakaenzana, saka unovimbiswa kuti ugamuchire chakavharirwa chakafanana chebumbiro rako zvisinei nekambani yaunotenga kubva kana kwaunogara. Nekudaro, maprimiyamu emwedzi nemwedzi anogona kusiyana, saka enzanisa akawanda marongero usati watenga.

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.