Zvirongwa Zvakadii zveMedigap mu2021?
Zvemukati
- Chii chinonzi Medigap?
- Zvakawanda zvakadii zvirongwa zveMedigap?
- Mapuremi emwedzi wega wega
- Zvinobviswa
- Coinsurance uye copays
- Kunze-kwe-muhomwe muganho
- Kunze-kwe-muhomwe mari
- Medigap chirongwa chinodhura kuenzanisa
- Ndiri kukodzera here kuMedigap?
- Mazuva akakosha ekunyoresa muMedigap
- Medigap yekutanga kunyoresa nguva
- Dzimwe nguva dzekunyora kweMedare
- Kutora
- Medigap inobatsira kubhadhara kune mamwe emari ekuchengetedza hutano ayo asina kuvharwa neMedicare yepakutanga.
- Mari dzauchabhadhara kuMedigap dzinoenderana nezano raunosarudza, nzvimbo yako, uye zvimwe zvikonzero zvishoma.
- Medigap inowanzo kuve nemubhadharo wemwedzi wega, uye iwe unogona zvakare kubhadhara macopays, coinsurance, uye zvinokamurwa.
Medicare chirongwa cheinishuwarenzi chehutano chinopihwa nehurumende yemubatanidzwa yevanhu vane makore makumi matanhatu nemashanu zvichikwira, pamwe nemamwe mapoka chaiwo. Inofungidzirwa kuti yekutanga Medicare (zvikamu A uye B) inovhara nezve zvemunhu mari yekurapa.
Medicare yekuwedzera inishuwarenzi (Medigap) inobatsira kubhadhara imwe yemitengo yehutano isina kuvharwa neyekutanga Medicare. Nezve vanhu vane yekutanga Medicare zvakare vane chirongwa cheMedigap.
Mari yechirongwa cheMedigap inogona kusiyana nekuda kwezvakasiyana zvinhu, kusanganisira mhando yechirongwa chaunonyorera, kwaunogara, uye nekambani inotengesa chirongwa ichi.
Pazasi, isu tichaongorora zvimwe pamusoro pemitengo yezvirongwa zveMedigap muna 2021.
Chii chinonzi Medigap?
Medigap ndeyekuwedzera inishuwarenzi yaunogona kutenga kubatsira kubhadhara zvinhu zvisina kuvharwa neMedicare Chikamu A uye Medicare Chikamu B. Mimwe mienzaniso yemitengo inogona kuvharwa neMedigap inosanganisira:
- zvakaderedzwa zvezvikamu A uye B
- coinsurance kana copays yezvikamu A uye B
- mari yakawandisa yechikamu B
- zvehutano zvinodhura panguva yekune dzimwe nyika
- ropa (kutanga matatu mapuniki)
Izvo zvinhu chaizvo zvakafukidzwa zvinoenderana nechirongwa cheMedigap chaunotenga. Kune gumi gumi emhando dzakasiyana dzeMedigap mapurani, ayo akasarudzika aine tsamba: A, B, C, D, F, G, K, L, M, naN.
Makambani einishuwarenzi akazvimirira anotengesa marongero eMedigap. Zano rega rega rakamisikidzwa, zvichireva kuti rinofanirwa kupa iro rakaenzana chikamu chekuvhara. Semuenzaniso, chirongwa chePlan G chinofukidza imwecheteyo seti yemabhenefiti, zvisinei nemutengo wayo kana kambani iri kuitengesa.
Mitemo yeMedigap inovimbiswazve kudzoreredzwa sekureba iwe uchizobhadhara maprimiyamu ako emwedzi. Izvi zvinoreva kuti kambani yeinishuwarenzi yawakatenga hurongwa hwako kubva haigone kukanzura hurongwa hwako, kunyangwe uine hutsva kana hutsinye mamiriro ehutano.
Zvakawanda zvakadii zvirongwa zveMedigap?
Saka ndedzipi chaidzo mutengo unobatana nezvirongwa zveMedigap? Ngationgororei zvingangoita mari mune zvakadzama.
Mapuremi emwedzi wega wega
Mutemo wega wega weMedigap une mari yemwedzi wega wega. Mari chaiyo inogona kusiyana nemutemo wega. Makambani einishuwarenzi anogona kuseta maprimiyamu emwedzi nemwedzi emitemo yavo nenzira nhatu dzakasiyana:
- Nharaunda yakarongwa. Wese munhu anotenga mutemo anobhadhara iyo yemwedzi yemubhadharo zvisinei nezera.
- Nyaya-zera yakatarwa. Maprimiyamu emwedzi nemwedzi akasungirwa kune iyo nguva yaunotanga kutenga mutemo, nevatengi vadiki vane maprimamu akaderera. Maprimiyamu haawedzere sezvaunokwegura.
- Yakawana-zera yakatarwa. Maprimiyamu emwedzi nemwedzi akasungirwa kune rako zera zera. Izvi zvinoreva kuti premium yako inozokwira iwe paunenge uchikura.
Kana iwe uchida kunyoresa muchirongwa cheMedigap, zvakakosha kuenzanisa marongero mazhinji anopiwa munharaunda yako. Izvi zvinogona kukubatsira iwe kuona kuti maprimiyamu akaiswa sei uye kuti yakawanda sei yaunotarisira kubhadhara pamwedzi.
Iyo Medigap yemwedzi wepayimari inobhadharwa mukuwedzera kune mamwe emamwe maprimiyamu ane chekuita neMedicare. Izvi zvinogona kusanganisira maprimiyamu e:
- Medicare Chikamu A (inishuwarenzi yechipatara), kana zvichibvira
- Medicare Chikamu B (inishuwarenzi yekurapa)
- Medicare Chikamu D (inonyorera mishonga yekuvhara)
Zvinobviswa
Medigap pachayo haina kujairika inosanganiswa neye kubviswa. Zvisinei, kana chirongwa chako cheMedigap chisingavhare Chikamu A kana Chikamu B chinobviswa, iwe uchiri nebasa rekubhadhara izvo.
Medigap Chirongwa F uye Chirongwa G vane sarudzo yakakwira-inobviswa. Zvikwereti zvemwedzi nemwedzi zvezvirongwa izvi zvinowanzove zvakaderera, asi uchafanirwa kusangana nemari inobviswa vasati vatanga kuvhara mari. Kwema 2021, iyo inobvisirwa iri $ 2,370 yezvirongwa izvi.
Coinsurance uye copays
Kufanana nezvinobviswa, Medigap pachayo haina hukama neinosimbisa mari kana copays. Iwe unogona kunge uchifanira kubhadhara imwe mari yekuchengetedzwa kwemari kana macopay ane hukama neMedicare yekutanga kana mutemo wako weMedigap usingavafukidze.
Kunze-kwe-muhomwe muganho
Medigap Chirongwa K uye Chirongwa L vane kunze-kwehomwe miganho. Iyi ndiyo huwandu hwehuwandu hwauchazobhadhara muhomwe.
Muna 2021, iyo Plan K uye Plan L kunze-kwehomwe muganho iri $ 6,220 uye $ 3,110, zvichiteerana. Mushure mekusangana nemuganhu, chirongwa chinobhadhara zana muzana yemasevhisi akafukidzwa kwegore rese.
Kunze-kwe-muhomwe mari
Kune mamwe masevhisi ane chekuita nezvehutano asina kuvharwa neMedigap. Kana iwe uchida kushandisa masevhisi aya, uchafanirwa kubhadhara iwo kubva muhomwe. Izvi zvinogona kusanganisira:
- mazino
- chiratidzo, kusanganisira magirazi emaziso
- zvinobatsira kunzwa
- kunyorerwa zvinodhaka
- kutarisirwa kwenguva refu
- kuchengetwa kwevamwe
Medigap chirongwa chinodhura kuenzanisa
Iyi tafura inotevera inoratidza kuenzanisa kwemitengo yemaprimiyamu emwedzi akasiyana ezvirongwa zvakasiyana zveMedigap mumaguta mana ekuenzanisira muUnited States.
| Washington, D.C. | Des Moines, IA | Aurora, CO | San Francisco, CA | |
|---|---|---|---|---|
| Ronga A | $72–$1,024 | $78–$273 | $90–$379 | $83–$215 |
| Ronga B | $98–$282 | $112–$331 | $122–$288 | $123–$262 |
| Ronga C | $124–$335 | $134–$386 | $159–$406 | $146–$311 |
| Ronga D | $118–$209 | $103–$322 | $137–$259 | $126–$219 |
| Ronga F | $125–$338 | $121–$387 | $157–$464 | $146–$312 |
| Ronga F (yakakwira deductible) | $27–$86 | $27–$76 | $32–$96 | $28–$84 |
| Ronga G | $104–$321 | $97–$363 | $125–$432 | $115–$248 |
| Ronga G (yakakwira deductible) | $26–$53 | $32–$72 | $37–$71 | $38–$61 |
| Ronga K | $40–$121 | $41–$113 | $41–$164 | $45–$123 |
| Ronga L | $68–$201 | $69–$237 | $80–$190 | $81–$175 |
| Ronga M | $145–$309 | $98–$214 | $128–$181 | $134–$186 |
| Ronga N | $83–$279 | $80–$273 | $99–$310 | $93–$210 |
Mitengo yakaratidzirwa pamusoro inoenderana nemurume ane makore makumi matanhatu nemashanu asingashandise fodya. Kuti uwane mitengo yakanangana nemamiriro ako ezvinhu, pinda kodhi yako yeZIP muMedare yeMedigap chirongwa chekutsvaga.
Ndiri kukodzera here kuMedigap?
Kune mimwe mitemo inosanganisirwa nekutenga mutemo weMedigap. Izvi zvinosanganisira:
- Iwe unofanirwa kuve uine yekutanga Medicare (zvikamu A uye B). Iwe haikwanise vane Medigap uye Medicare Kubatsira.
- Chirongwa cheMedigap chinongovhara munhu mumwe chete. Izvi zvinoreva kuti vakaroorana vanofanirwa kutenga akasiyana marongero.
- Nemutemo wemubatanidzwa, makambani einishuwarenzi haatarisirwe kutengesa marongero eMedigap kune vanhu vari pasi pemakore makumi matanhatu nemashanu. Kana iwe uri pasi pemakore makumi matanhatu nemashanu uye uine Medicare yepakutanga, unogona kusakwanisa kutenga mutemo waunoda.
Uyezve, mamwe marongero eMedigap haachawanikwe kune avo vatsva kuMedare. Nekudaro, vanhu vakatonyoresa muzvirongwa izvi vanogona kuzvichengeta. Aya marongero anosanganisira:
- Ronga C
- Ronga E
- Ronga F
- Ronga H
- Ronga I
- Ronga J
Mazuva akakosha ekunyoresa muMedigap
Pazasi pane mamwe mazuva akakosha ekunyoresa muchirongwa cheMedigap.
Medigap yekutanga kunyoresa nguva
Iyi nguva inotanga inguva yemwedzi mitanhatu inotanga kana uchinge wasvitsa makore makumi matanhatu nemashanu uye wakanyoresa muMedicare Chikamu B. Kana iwe ukanyoresa mushure menguva ino, makambani einishuwarenzi anogona kuwedzera mari yemwedzi nemwedzi nekuda kwekunyora pasi kwekurapa.
Kunyora kwekurapa inzira inoshandiswa nemakambani einishuwarenzi kuita sarudzo nezve kufukidza zvichibva pane yako nhoroondo yezvokurapa. Kunyora kwekurapa hakubvumirwe panguva yeMedigap kunyoresa kwekutanga.
Dzimwe nguva dzekunyora kweMedare
Iwe unogona achiri kutenga chirongwa cheMedigap kunze kwekutanga kwako kunyoresa nguva. Hedzino dzimwe nguva dzenguva apo iwe paunogona kunyoresa muchirongwa cheMedigap gore rese:
- Kunyoresa zvakajairika (Ndira 1 – Kurume 31). Iwe unogona kuchinja kubva kune imwe Medicare Advantage chirongwa kuenda kune imwe, kana iwe unogona kusiya chirongwa cheMedicare Advantage, kudzokera kuMedare yepakutanga, uye kunyorera chirongwa cheMedigap.
- Vhura kunyoresa Gumiguru 15 – Zvita 7). Iwe unogona kunyoresa chero chirongwa cheMedare, kusanganisira chirongwa cheMedigap, panguva ino.
Kutora
Medigap rudzi rweinishuwarenzi yekuwedzera iyo iwe yaunogona kutenga kuti ubatsire kubhadhara kune zvine chekuita nezvehutano zvinodhura zvisina kuvharwa neMedicare yekutanga Kune gumi mhando dzakasiyana dzeyakaenzana chirongwa cheMedigap.
Mari yechirongwa cheMedigap chinoenderana nechirongwa chaunosarudza, kwaunogara, uye nekambani yaunotenga mutemo wako. Iwe uchabhadhara mari yepamwedzi yehurongwa hwako uye unogona zvakare kuve nemhosva yezvimwe zvinobvisirwa mari, koresheni, uye macopay.
Iwe unogona kutanga kunyoresa muchirongwa cheMedigap panguva yeMedigap kunyoresa kwekutanga. Apa ndipo paunosvitsa makore makumi matanhatu nemashanu uye kunyora muMedare Chikamu B. Kana iwe ukasanyoresa panguva ino, unogona kusakwanisa kunyoresa muchirongwa chaunoda kana chingangodhura zvakanyanya.
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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