Medicare Chikamu G: Izvo Chainovhara uye Zvimwe

Zvemukati

• Medicare Chikamu B yakawandisa mhosva
• Chii chinonzi Medicare Supplement Plan G inovhara?
• Kunzwisisa Medigap
• Kufunga nezve chirongwa cheMedigap
• Medigap muMassachusetts, Minnesota, uye Wisconsin
• Ndeapi kodzero dzinovimbiswa dzenyaya?
• Tora woenda nazvo

Medicare Supplement Plan G inovhara yako chikamu chezvekurapa mabhenefiti (kunze kwekunze kwekubvisa kwakabviswa) yakafukidzwa neyekutanga Medicare. Inotumidzwawo seMedigap Chirongwa G.

Original Medicare inosanganisira Medicare Chikamu A (inishuwarenzi yechipatara) uye Medicare Chikamu B (inishuwarenzi yekurapa).

Medigap Chirongwa G ndechimwe chezvakakurumbira zvezvirongwa gumi zviripo nekuda kwehupamhi hwayo, kusanganisira kufukidzwa kweChikamu B mari yakawandisa.

Ramba uchiverenga kuti udzidze zvakawanda nezve Medicare Chikamu G uye nezvinovhara.

Medicare Chikamu B yakawandisa mhosva

Medicare Chikamu B chinongovhara chete vanopa hutano vanotora chikamu neMedare. Kana iwe ukasarudza mupi asingatore chikamu neMedare, iye mupi anogona kubhadharisa kusvika gumi muzana muzana kupfuura chiyero cheMedare.

Iyi yekuwedzera mubhadharo inoonekwa seChikamu B chakapfuura muripo Kana chirongwa chako cheMedigap chikasavhara Chikamu B mari dzakapfuura, iwe uchabhadhara kunze-kwehomwe.

Chii chinonzi Medicare Supplement Plan G inovhara?

Paunenge iwe wabhadhara yako inobvisirwa, mazhinji maMedigap marongero anovhara mari yemari. Mamwe marongero eMedigap anobhadhara zvakare iyo inobviswa.

Kuvhara neMedare Supplement Plan G inosanganisira:

• Chikamu A coinsurance uye zvipatara zvinodhura mushure meMedare mabhenefiti ashandiswa kumusoro (kusvika kune mamwe mazuva makumi matatu nematanhatu): zana muzana
• Chikamu A chinobviswa: zana muzana
• Chikamu Chikamu chekuchengetwa kwevanochengetwa muhutachiwana kana kubhadhara mari: 100 muzana
• Chikamu B mari yekusimbiswa kana kubhadhara: 100 muzana
• Chikamu B chinobviswa: chisina kuvharwa
• Chikamu B kubhadharisa mutero: zana muzana
• hunyanzvi hwekuchengetedza nzvimbo yekuchengetedzwa kwemari: 100 muzana
• ropa (kutanga matatu mapendi): zana muzana
• yekune dzimwe nyika yekuchinjana: 80 muzana
• kunze-kwe-muhomwe muganho: hazvishande

Kunzwisisa Medigap

Mitemo yeMedigap, yakadai seMedicare Supplement Plan G, inobatsira kubhadhara mari yehutano isina kuvharwa neMedare yepakutanga. Aya mazano ndeaya:

• inotengeswa nemakambani einishuwarenzi akazvimirira
• yakamisikidzwa uye inotevera mitemo yenyika nehurumende
• inozivikanwa munzvimbo zhinji netsamba imwe chete, apa, "G"

Mutemo weMedigap ndewemunhu mumwe chete. Iwe nemumwe wako munoda mutemo wega.

Kana iwe uchida mutemo weMedigap, iwe:

• inofanirwa kunge iine yekutanga Medicare Chikamu A uye Chikamu B
• haikwanise kuve neMedicare Advantage chirongwa
• ichauya nemubhadharo wemwedzi wega wega (pamusoro pemaprimiyamu ako eMedare)

Kufunga nezve chirongwa cheMedigap

Imwe nzira yekutsvaga Medicare yekuwedzera inishuwarenzi chirongwa inokodzera zvaunoda ndeye kuburikidza ne "Tsvaga mutemo weMedigap unoshandira iwe" Internet yekutsvaga application. Aya maturusi ekutsvaga pamhepo akamisikidzwa neU.S.Centers yeMedicare & Medicaid Services (CMS).

Medigap muMassachusetts, Minnesota, uye Wisconsin

Kana iwe uchigara muMassachusetts, Minnesota, kana Wisconsin, marongero eMedigap akaenzana zvakasiyana pane mamwe matunhu. Iwo marongero akasiyana, asi iwe wakavimbisa nyaya dzekodzero dzekutenga mutemo weMedigap.

• MuMassachusetts, zvirongwa zveMedigap zvine Core Kore uye Yekuwedzera 1 Chirongwa.
• MuMinnesota, zvirongwa zveMedigap zvine Zvirongwa zveChechi uye Yakawedzerwa Basic.
• MuWisconsin, zvirongwa zveMedigap zvine chirongwa cheChechi uye makumi mashanu muzana uye makumi maviri muzana muzana Zvirongwa zvekugovana-mutengo.

Kuti uwane ruzivo rwakadzama, unogona kushandisa iyo "Tsvaga mutemo weMedigap unoshandira iwe" yekushandisa yekutsvaga kana kufonera dhipatimendi reinishuwarenzi yenyika.

Ndeapi kodzero dzinovimbiswa dzenyaya?

Kodzero dzenyaya yakavimbiswa (inonziwo Medigap kudzivirira) inoda makambani einishuwarenzi kuti akutengesere mutemo weMedigap uyo:

• inovhara zviripo zvehutano mamiriro
• haina mari yakawanda nekuda kweakare kana aripo mamiriro ehutano

Kodzero dzechokwadi dzenyaya dzinowanzoitika kana kufukidzwa kwehutano hwako kuchichinja, sekunge iwe wakanyoreswa muMedicare Advantage Plan uye inomira kupa rubatsiro munzvimbo yako, kana kana iwe uchirega basa uye nehutano hwevashandi vako huri kupera.

Shanyira peji ino kuti uwane rumwe ruzivo nezve yakapihwa kodzero kodzero.

Tora woenda nazvo

Medicare Supplement Chirongwa G chirongwa cheMedigap chinobatsira kubhadhara mari yehutano isina kuvharwa neMedare yepakutanga. Icho chimwe chezvirongwa zvakanyanyisa zveMedigap, kusanganisira kufukidzwa kweMedicare Chikamu B mhosva dzakawandisa.

Mitemo yeMedigap yakamisikidzwa zvakasiyana muMassachusetts, Minnesota, uye Wisconsin. Kana iwe uchigara mune imwe yeaya matunhu, uchafanirwa kuongorora avo Medigap zvinopihwa kuti utore mutemo wakafanana neMedicare Supplement Chirongwa G.

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.