Medicare Supplement Plans: Izvo Zvaunofanira Kuziva NezveMedigap
Zvemukati
- Medicare yekuwedzera chirongwa kufukidza
- Kufungidzira kweiyo Chikamu B premium
- Medicare yekuwedzera chirongwa chekuenzanisa chati
- Medicare yekuwedzera chirongwa chinodhura
- Zvakanakira kusarudza chirongwa cheMedigap
- Zvakaipira kusarudza chirongwa cheMedigap
- Medigap vs. Medicare Kubatsira
- Ndiri kukodzera here kune chirongwa cheMedare chinowedzera?
- Ndinonyoresa sei?
- Kutora
Medicare yekuwedzera zvirongwa zvirongwa zveinishuwarenzi zvakavanzika zvakagadzirirwa kuzadza zvimwe zvezvikanganiso muMedicare kufukidza. Neichi chikonzero, vanhu vanosheedzerawo marongero aya Medigap. Medicare yekuwedzera inishuwarenzi inovhara zvinhu zvakaita sekubvisiswa uye macopayments.
Kana iwe ukashandisa zvekurapa masevhisi kana iwe uine Medicare yekuwedzera inishuwarenzi, Medicare inobhadhara chikamu chayo kutanga, ipapo yako Medicare yekuwedzera chirongwa ichabhadhara chero yasara yakavharwa mari.
Pane zvinhu zvakawanda zvekufunga nezvazvo pakusarudza chirongwa cheMedare chinowedzera. Verenga pane matipi ekufunga kana iwe uchida chirongwa cheMedigap uye kuenzanisa kwesarudzo.
Medicare yekuwedzera chirongwa kufukidza
Iko kune gumi Medicare ekuwedzera einishuwarenzi zvirongwa zviripo. Nekudaro, mamwe marongero haachawanikwe kune nyowani nyowani. Medicare inoshandisa mavara makuru kureva zvirongwa izvi, asi hazvina hukama nezvikamu zveMedicare.
Semuenzaniso, Medicare Chikamu A ndeimwe mhando yekuvhara kupfuura Medigap Chirongwa A. Zviri nyore kuti uvhiringidzike kana uchienzanisa zvikamu uye zvirongwa. Zvirongwa gumi zveMedigap zvinosanganisira zvirongwa A, B, C, D, F, G, K, L, M, naN.
Medicare yekuwedzera zvirongwa zvakaenzana mumatunhu mazhinji. Izvi zvinoreva kuti mutemo waunotenga unofanirwa kupa iwo iwo mabhenefiti zvisinei kuti ndeyipi kambani yeinishuwarenzi yaunotenga kubva.
Kusiyanisa ndiwo marongero eMedigap muMassachusetts, Minnesota, uye Wisconsin. Aya marongero anogona kuve akasiyana akasiyana akaenzana mabhenefiti anoenderana nezvinodiwa zviri pamutemo mudunhu iri.
Kana kambani yeinishuwarenzi ikatengesa chirongwa cheMedicare chekuwedzera, vanofanirwa kupa kanenge Medigap Chirongwa A pamwe neChirongwa C kana Chirongwa F. Zvisinei, hurumende haidi kuti kambani yeinishuwarenzi ipe hurongwa hwese.
Kambani yeinishuwarenzi haigoni kukutengesera kana munhu waunoda chirongwa cheMedicare chekuwedzera inishuwarenzi kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge ... Zvakare, Medicare yekuwedzera zvirongwa zvinongovhara munhu mumwe chete - kwete vaviri vakaroora.
Kufungidzira kweiyo Chikamu B premium
Kana iwe ukave unokodzera kana kana mushure meNdira 1, 2020, haugone kutenga chirongwa chinofukidza Chikamu B premium. Izvi zvinosanganisira Medigap Chirongwa C uye Chirongwa F.
Nekudaro, kana iwe uchitove uine imwe yeaya marongero, iwe unogona kuichengeta. Pamusoro pezvo, kana iwe uchikodzera Medicare pamberi paNdira 1, 2020, unogona kukwanisa kutenga Plan C kana Chirongwa F futi.
Medicare yekuwedzera chirongwa chekuenzanisa chati
Yese chirongwa cheMedigap chinofukidza mamwe emitengo yako yechikamu A, kusanganisira coinsurance, kuwedzerwa mari kuchipatara, uye kuchengetwa kwehospital coinsurance kana kukopa.
Zvirongwa zvese zveMedigap zvakare zvinovhara zvimwe zvezvikamu zveChikamu B, senge coinsurance kana macopayments, anodonhedzwa, uye mapaipi ako ekutanga eropa kana uchida kuwedzerwa ropa.
Iyo chati iri pazasi inofanidza kufukidza neese marudzi ehurongwa hweMedigap:
| Batsirwa | Ronga A | Ronga B | Ronga C | Ronga D | Ronga F | Ronga G | Ronga K | Ronga L | Ronga M | Ronga N | Batsirwa |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Chikamu A inobviswa | Aihwa | Ehe | Ehe | Ehe | Ehe | Ehe | 50% | 75% | 50% | Ehe | Chikamu A inobviswa |
| Chikamu A coinsurance uye zvipatara zvinodhura (kusvika kune imwezve mazuva mazana matatu nemakumi matatu nemashanu mushure mekubatsira kweMedare kunoshandiswa) | Ehe | Ehe | Ehe | Ehe | Ehe | Ehe | Ehe | Ehe | Ehe | Ehe | Chikamu A coinsurance uye zvipatara zvinodhura (kusvika kune imwezve mazuva mazana matatu nemakumi matatu nemashanu mushure mekushandisa kweMedicare) |
| Chikamu Chikamu chekuchengetwa kwevanochengetwa nevarwere kana macopayments | Ehe | Ehe | Ehe | Ehe | Ehe | Ehe | 50% | 75% | Ehe | Ehe | Chikamu Chikamu chekuchengetwa kwevanochengetwa nevachengeti |
| Chikamu B inobviswa | Aihwa | Aihwa | Ehe | Aihwa | Ehe | Aihwa | Aihwa | Aihwa | Aihwa | Aihwa | Chikamu B inobviswa |
| Chikamu B coinsurance kana kukopas | Ehe | Ehe | Ehe | Ehe | Ehe | Ehe | 50% | 75% | Ehe | Ehe | Chikamu B coinsurance kana kukopa |
| Chikamu B chekutanga | Aihwa | Aihwa | Ehe | Aihwa | Ehe | Aihwa | Aihwa | Aihwa | Aihwa | Aihwa | Chikamu B chekutanga |
| Chikamu B mari yakawandisas | Aihwa | Aihwa | Aihwa | Aihwa | Ehe | Ehe | Aihwa | Aihwa | Aihwa | Aihwa | Chikamu B mari yakawandisa |
| Kunze kwehomwe muganho | Aihwa | Aihwa | Aihwa | Aihwa | Aihwa | Aihwa | $6,220 | $3,110 | Aihwa | Aihwa | Kunze kwehomwe muganho |
| Kunze kwekune dzimwe nyika mari yekurapa inovhara | Aihwa | Aihwa | 80% | 80% | 80% | 80% | Aihwa | Aihwa | 80% | 80% | Kunze kwekune dzimwe nyika kuchinjana (kusvika kuronga miganho) |
| Unyanzvi ukoti nzvimbo coinsurance | Aihwa | Aihwa | Ehe | Ehe | Ehe | Ehe | 50% | 75% | Ehe | Ehe | Unyanzvi ukoti nzvimbo hanya co-inishuwarenzi |
Medicare yekuwedzera chirongwa chinodhura
Kunyangwe hazvo Medicare yekuwedzera zvirongwa zviri zvakajairika maererano nemabhenefiti avanopa, ivo vanogona kusiyanisa pamutengo zvichibva nekambani yeinishuwarenzi inovatengesa.
Izvo zvakaita sekutengesa pakutengesa: Dzimwe nguva, chirongwa chaunoda chinodhura zvishoma pane chimwe chitoro uyezve pane chimwe, asi icho chigadzirwa chimwe chete.
Inishuwarenzi makambani anowanzo mutengo Mitemo yeMedigap mune imwe yenzira nhatu:
- Nharaunda yakarongwa. Vanhu vazhinji vanobhadhara zvakafanana, zvisinei nezera kana bonde. Izvi zvinoreva kuti kana inishuwarenzi yemunhu ikakwira, sarudzo yekuiwedzera inoenderana zvakanyanya nehupfumi kupfuura hutano hwemunhu.
- Nyaya-zera yakatarwa. Iyi premium inoenderana nezera remunhu pavakaritenga. Semutemo, vanhu vadiki vanobhadhara zvishoma uye vanhu vakuru vanobhadhara zvakanyanya. Kubhadharwa kwemunhu kunogona kuwedzera pavanokura nekuda kwekukwira kwemitengo, asi kwete nekuti ivo vari kukwegura.
- Yakawana-zera yakatarwa. Iyi premium yakaderera kune vechidiki uye inokwira kumusoro semunhu anokura. Inogona kunge iri isinganyanye kudhura sekutanga munhu kuitenga, asi inogona kuve yakanyanya kudhura sezvavanokwegura.
Dzimwe nguva, makambani einishuwarenzi anozopa zvidzikiso zvezvimwe zvinoonekwa. Izvi zvinosanganisira zvikwereti kune vanhu vasingasvuti, vakadzi (avo vanowanzove nemari yepasi yekutarisira hutano), uye kana munhu achibhadhara pamberi pegore.
Zvakanakira kusarudza chirongwa cheMedigap
- Medicare yekuwedzera inishuwarenzi zvirongwa zvinogona kubatsira kufukidza mari senge dzinobviswa, mari yemari, uye mapayipi.
- Mamwe marongero eMedigap anogona kubvisa mari dzekunze-dzehomwe dzemunhu.
- Kana iwe ukanyoresa munguva yekuvhura yakavhurika mushure mekusvitsa makore makumi matanhatu nemashanu ekuberekwa, makambani einishuwarenzi haakwanise kukusiya zvichibva nemamiriro ehutano.
- Zvirongwa zveMedigap zvichafukidza makumi masere muzana ezvehutano hwako hwekukurumidzira paunenge uchifamba kunze kweUnited States.
- Mazhinji marongero akasarudzika ehurongwa aunosarudza kubva pakuenderana nezvido zvako zvehutano.
Zvakaipira kusarudza chirongwa cheMedigap
- Nepo mutemo weMedigap uchikwanisa kubhadharira imwe yemitengo yako yeMedare, haina kuvhara mishonga yemishonga, chiratidzo, mazino, kunzwa, kana chero humwe hutano hwehukama, senge nhengo dzehutano kana chekufambisa.
- Kuti ugamuchire kufukidzwa kwehurapi hwakanyorwa pamusoro, iwe unozofanirwa kuwedzera mutemo weMedare Chikamu D kana kusarudza chirongwa cheMedicare Advantage (Chikamu C).
- Yakawanikwa-zera-yakayerwa Medigap marongero kubhadharisa akakwirisa eprimamu iwe paunenge uchikura.
- Haasi ese marongero anopa kufukidzwa kwenzvimbo ine hunyanzvi yevanamukoti kana kuchengetwa kwevanorwara, saka tarisa mabhenefiti ehurongwa hwako kana iwe ungangoda masevhisi aya.
Medigap vs. Medicare Kubatsira
Medicare Kubatsira (Chikamu C) chirongwa cheinishuwarenzi chakasungwa. Inosanganisira Chikamu A uye Chikamu B, pamwe neChikamu D kazhinji.
Medicare Advantage zvirongwa zvinogona kunge zvisingadhuri pane yekutanga Medicare kune vamwe vanhu. Medicare Advantage zvirongwa zvinogona zvakare kupa mamwe mabhenefiti, senge mazino, kunzwa, kana chiratidzo chekuvhara.
Hezvino tarisa nekukurumidza pane zvaunofanira kuziva nezve Medicare Advantage uye Medigap:
- Zvirongwa zvese izvi zvinosanganisira kufukidza Medicare Chikamu A (kufukidza chipatara) uye Chikamu B (mari yeinishuwarenzi).
- Mazhinji zvirongwa zveMedare zvinobatsira zvinosanganisira Chikamu D (chinyoreso chemishonga chinodhaka). Medigap haigoni kuvhara mishonga yemishonga inodhura.
- Kana iwe uine Medicare Advantage, haugone kutenga chirongwa cheMedigap. Vanhu chete vane yekutanga Medicare ndivo vanokodzera zvirongwa izvi.
Kazhinji, sarudzo inodzikira kune zvido zvehutano zvega uye kuti chirongwa chimwe nechimwe chinodhura zvakadii. Medicare yekuwedzera zvirongwa zvinogona kudhura kupfuura Medicare Advantage, asi zvakare vanogona kubhadhara kune zvimwe zvine chekuita nezvakabviswa uye inishuwarenzi mutengo.
Ungangoda kushopota uchitarisa kuti ndeapi marongero aunowana iwe kana mudiwa kuti ubatsire kuita sarudzo yakanakisa.
Ndiri kukodzera here kune chirongwa cheMedare chinowedzera?
Iwe unokodzera kunyoresa muhurongwa hweMedare hwekuwedzera panguva yeMedigap yekutanga kunyoresa nguva. Iyi nguva inguva mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu uye kusaina Chikamu B, kuburikidza nemwedzi mitatu mushure mekuzvarwa kwako. Munguva ino, iwe une kodzero yekuvimbiswa yekutenga chirongwa cheMedicare chekuwedzera.
Kana iwe ukaramba uchinyoresa uye uchibhadhara yako yepamberi, iyo inishuwarenzi kambani haigone kudzima chirongwa. Zvisinei, kana iwe uchitova neMedare, kambani yeinishuwarenzi inogona kuramba kukutengesera iyo Medicare yekuwedzera mutemo maererano nehutano hwako.
Ndinonyoresa sei?
Kutenga chirongwa cheMedicare chekuwedzera chinogona kutora nguva nesimba, asi zvakafanira. Izvi zvinodaro nekuti vanhu vazhinji vanochengeta avo maMedigap marongero kwehupenyu hwavo hwese.
Kutanga nemutemo unoenderana zvakanyanya nezvako kana zvaunoda zvemunhu zvinogona kubatsira kuponesa kushushikana uye kazhinji mari panguva inotevera.
Aya matanho ekutanga ekutenga mutemo weMedigap:
- Wongorora kuti ndeapi mabhenefiti akakosha kwauri. Iwe unoda here kubhadhara imwe inobvisirwa, kana iwe unoda yakazara yakazara inobvisirwa kufukidzwa? Iwe unofungidzira unoda kurapwa mune imwe nyika kana kwete? (Izvi zvinobatsira kana iwe ukafamba zvakanyanya.) Tarisa pane yedu Medigap chati kuona kuti ndeapi marongero anokupa iwe yakanakira mibairo yehupenyu hwako, mari, uye hutano.
- Tsvaga makambani anopa Medicare ekuwedzera zvirongwa nekushandisa iyo Medigap chirongwa chekutsvaga chishandiso kubva kuMedare. Ino webhusaiti inopa ruzivo pamitemo uye nekufukidzwa kwavo pamwe nemakambani einishuwarenzi munharaunda menyu anotengesa marongero.
- Fonera 800-MEDICARE (800-633-4227) kana iwe usina internet yekuwana. Vamiriri vanoshandira nzvimbo ino vanogona kubatsira kupa ruzivo rwaunoda.
- Bata makambani einishuwarenzi anopa mazano munzvimbo yako. Kunyangwe zvichitora imwe nguva, usangofonera imwe kambani. Mitengo inogona kusiyana nekambani, saka zviri nani kuenzanisa. Mutengo hausi zvinhu zvese, zvakadaro. Dhipatimendi rako reinishuwarenzi nedunhu seweissratings.com zvinogona kukubatsira kuti uone kana kambani iine zvichemo zvakawanda pamusoro payo.
- Ziva kuti kambani yeinishuwarenzi haifanire kumanikidza iwe kuti utenge mutemo. Ivo zvakare havafanirwe kutaura kuti vanoshandira Medicare kana kuti vanoti mutemo wavo chikamu cheMedicare. Mitemo yeMedigap yakavanzika uye kwete inishuwarenzi yehurumende.
- Sarudza chirongwa. Paunenge iwe watarisa pamusoro peiyo ruzivo rwese, iwe unogona kusarudza pane mutemo uye kuishandira.
Medicare yekuwedzera zvirongwa zvinogona kunge zvakaoma kufamba. Kana iwe uine mumwe mubvunzo, unogona kufonera yako State Health Insurance Assistance Chirongwa (SHIP). Aya ndiwo masangano ehurumende anopihwa mari nehurumende anopa kuraira kwemahara kuvanhu vane mibvunzo nezve Medicare uye zvirongwa zvekuwedzera.
Matipi ekubatsira mudikani kunyoresaKana iwe uri kubatsira mudiwa kunyoresa muMedare, funga aya matipi:
- Iva nechokwadi chekuti vanyoresa munguva yakatarwa. Zvikasadaro, vanogona kusangana nemitengo yakakura uye zvirango zvekunyoresa kunonoka.
- Bvunza kuti kambani yeinishuwarenzi inodhura sei marongero ayo, se "kuburitsa zera" kana "kusvika zera." Izvi zvinogona kukubatsira kufungidzira kuti mutemo wemudiwa wako ungawedzera sei mumutengo.
- Bvunza kuti yakawanda sei gwara kana marongero auri kunyatso kuongorora akawedzera mumitengo mumakore mashoma apfuura. Izvi zvinogona kukubatsira kuti uongorore kana mudiwa wako aine mari yakakwana yekubhadhara mari.
- Iva nechokwadi chekuti mudiwa wako ane nzira yakachengetedzeka yekubhadhara mutemo. Mamwe marongero anobhadharwa cheki pamwedzi, nepo mamwe akanyorwa kubva kubhangi account.
Kutora
Medicare yekuwedzera inishuwarenzi marongero inogona kuve nzira yekudzora kutya kweasinga fungidzike, maererano nehutano hwehutano. Vanogona kubatsira kubhadhara kunze-kwe-muhomwe mari iyo Medicare inogona kunge isingavhare.
Uchishandisa emahara mamiriro zviwanikwa, senge yako dunhu reinishuwarenzi dhipatimendi, zvinogona kukubatsira iwe kana munhu waunoda kuita sarudzo yakanakisa nezve kufukidza.
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.
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