Medicare Supplement Chirongwa K Ongorora

Zvemukati

• Chii chinonzi Medicare Supplement Plan K inovhara?
• Ndeupi rubatsiro rwegore rose kunze-kwehomwe muganho?
• Pane zvimwe zvirongwa zveMedigap zvine gore risingabude muhomwe?
• Chii chaizvo chinonzi Medigap?
• Kutora

Medicare yekuwedzera inishuwarenzi, kana Medigap, inobatsira kuvhara mamwe emari ekuchengetedza hutano ayo anowanzo sara kubva kuMedare zvikamu A uye B.

Medicare Supplement Plan K ndeimwe yemaviri Medicare ekuwedzera zvirongwa izvo zvinopa gore rega-kunze-kwehomwe muganho.

Ramba uchiverenga kuti udzidze zvakawanda nezvechirongwa ichi, zvarinotaura, uye ndiani angabatsirwe nacho.

Chii chinonzi Medicare Supplement Plan K inovhara?

Mazhinji maMedigap marongero anovhara ekurapa mari yemubhadharo mushure mekubhadhara kwegore rose. Vamwe vanobhadhara zvakare iyo inobviswa.

Medicare Supplement Chirongwa K kufukidza kunosanganisira:

• 100% kufukidzwa kweChikamu A mari yekusimbisa uye chipatara zvinodhura kusvika kune mamwe mazuva mazana matatu nemakumi matatu nemashanu mushure mekunge mabhenefiti eMedare ashandiswa kumusoro
• 50% kufukidzwa kwe:
  • Chikamu A chinobviswa
  • Chikamu Chikamu chekuchengetwa kwevanochengetwa nevachengeti
  • ropa (kutanga matatu mapuniki)
  • hunyanzvi hwekuchengetedza nzvimbo yekuchengetedzwa kwemari
  • Chikamu B kusimbiswa kana kukopa
• Haina kubatanidzwa mukuvhara:
  • Chikamu B chinobviswa
  • Chikamu B mari yakawandisa
  • yekune dzimwe nyika shanduko

Iyo yekunze-kwehomwe muganho muna 2021 i $ 6,220. Mushure mekusangana nechikamu chegore B Chikamu B chakabviswa uye yako yekunze-yehomwe pagore muganho, zana muzana yemasevhisi akavharirwa kwegore rese rinobhadharwa neMedigap.

Ndeupi rubatsiro rwegore rose kunze-kwehomwe muganho?

Iko hakuna kapu pamari yako yegore rega yehutano yehutano neMedicare yekutanga. Vanhu vanotenga chirongwa cheMedigap vanowanzoita kudaro kudzikamisa huwandu hwemari inoshandiswa mukuchengetedza hutano mukati megore.

Izvi zvinogona kuve zvakakosha kune vanhu avo:

• uve nehutano husingaperi nemitengo yakakwira yekuramba uchirapwa
• vanoda kuve vakagadzirira muchiitiko che inodhura zvakanyanya isingatarisirwe yekurapa emergency

Pane zvimwe zvirongwa zveMedigap zvine gore risingabude muhomwe?

Medicare Supplement Chirongwa K uye Chirongwa L ndiwo marongero maviri eMedigap anosanganisira muganho wepagore-we-muhomwe.

• Ronga K kunze-kwehomwe muganho: $ 6,220 muna 2021
• Ronga L kunze-kwehomwe muganho: $ 3,110 muna 2021

Kune ese ari maviri mapurani, mushure mekunge iwe wasangana neyako yegore Chikamu B inobvisirwa uye yako yekunze-yehomwe pagore muganho, zana muzana yemasevhisi akavharirwa kwegore rese rinobhadharwa neako Medicare yekuwedzera chirongwa.

Chii chaizvo chinonzi Medigap?

Dzimwe nguva dzinonzi Medicare yekuwedzera inishuwarenzi, mutemo weMedigap unobatsira kuvhara mari yehutano iyo yekutanga Medicare isingavhare. Nezve chirongwa cheMedigap, unofanirwa:

• vane Medicare yepakutanga, inova Medicare Chikamu A (inishuwarenzi yechipatara) uye Medicare Chikamu B (inishuwarenzi yekurapa)
• iva neyako mutemo weMedigap (munhu mumwe chete pabumbiro)
• bhadhara mubhadharo wemwedzi nemwedzi mukuwedzera kune ako ekutanga Medicare

Mitemo yeMedigap inotengeswa nemakambani einishuwarenzi akazvimirira. Aya marongero akaomeswa uye anotevera mitemo yenyika nehurumende.

Mumatunhu mazhinji, vanozivikanwa netsamba imwe chete, saka Medicare Supplement Plan K ichave yakafanana munyika, kunze kwenyika dzinotevera:

• Massachusetts
• Minnesota
• Wisconsin

Iwe unogona chete kutenga mutemo weMedigap kana iwe uine yekutanga Medicare. Medigap uye Medicare Kubatsira haikwanise kushandiswa pamwe chete.

Kutora

Medicare Supplement Chirongwa K ndeye Medigap mutemo unobatsira kuvhara mari yehutano inosara kubva kune yekutanga Medicare. Icho chimwe chezvirongwa zviviri zvinopa gore rose kunze-kwehomwe muganho.

Iyo yegore yekubuda-kwehomwe muganho inogona kubatsira kana iwe:

• uve nehutano husingaperi nemitengo yakakwira yekuramba uchirapwa
• unoda kuve wakagadzirira zvingangoita zvinodhura zvisingatarisirwi zvekurapa

Kana iwe uchinzwa kuti mutemo weMedigap ndicho chisarudzo chakakodzera pane zvaunoda zvehutano, ive shuwa yekutarisa yako ese sarudzo sarudzo. Shanyira Medicare.gov kuenzanisa marongedzero eMedigap kuti uwane iyo yakakunakira iwe.

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.