Ngabe iMedigap Plan C yahamba ngo-2020?

-Delile

• Ngabe iMedigap Plan C ihambile?
• Kuthiwani uma sengivele ngine-Medigap Plan C noma ngifuna ukubhalisela eyodwa?
• Ingabe zikhona ezinye izinketho ezifanayo zohlelo ezitholakalayo?
• Ngabe iMedigap Plan C imbozani?
• Yiziphi ezinye izinhlelo eziphelele ezitholakalayo?
• Ingabe kukhona umehluko wezindleko phakathi kwezinhlelo?
• Ngilikhetha kanjani icebo elifanele kimi?
• Buhle beMedigap:
• Ububi beMedigap:
• Ukuthatha

• IMedigap Plan C wuhlelo lokuvikela umshwalense olwengezayo, kepha alufani neMedicare Part C.
• I-Medigap Plan C ihlanganisa izindleko eziningi ze-Medicare, kufaka phakathi i-Part B ekhishwayo.
• Kusukela ngoJanuwari 1, 2020, uHlelo C alusatholakali kubabhalisi abasha beMedicare.
• Ungagcina uhlelo lwakho uma usuvele unayo iPlan C noma ngabe ubufanelekela ukuthola iMedicare ngaphambi kuka-2020.

Ungahle wazi ukuthi kube nezinguquko ezinhlelweni zeMedigap eziqala ngo-2020, kufaka phakathi iMedigap Plan C. Kusukela ngoJanuwari 1, 2020, uHlelo C luyekile. Uma une-Medicare ne-Medigap supplement plan noma ulungela ukubhalisa, ungahle uzibuze ukuthi lezi zinguquko zikuthinta kanjani.

Into yokuqala okufanele uyazi ukuthi uHlelo C alufani neMedicare Ingxenye C. Zizwakala zifana, kepha Ingxenye C, eyaziwa nangokuthi yiMedicare Advantage, uhlelo oluhluke ngokuphelele kuMedigap Plan C.

Uhlelo C luhlelo oludumile lweMedigap ngoba lunikeza ukumbozwa kwezindleko eziningi ezihlotshaniswa neMedicare, kufaka phakathi Ingxenye B edonswayo. Ngaphansi kwemithetho emisha ka-2020, uma ngabe ubusuvele ubhalisile ku-Plan C, ungagcina lokhu kufakwa.

Kodwa-ke, uma umusha kwi-Medicare futhi ubucabanga nge-Plan C, ngeke ukwazi ukuyithenga. Izindaba ezimnandi kukhona nezinye izinhlelo eziningi zeMedigap ezitholakalayo.

Kulesi sihloko, sizokhuluma ngokuthi kungani uHlelo C luhambile nokuthi yiziphi ezinye izinhlelo ezingakulungela wena esikhundleni salokho.

Ngabe iMedigap Plan C ihambile?

Ngo-2015, iCongress yadlulisa umthetho obizwa ngokuthi yi-Medicare Access kanye ne-CHIP Reauthorization Act ka-2015 (MACRA). Olunye ushintsho olwenziwe yilesi sinqumo ukuthi izinhlelo zeMedigap azivunyelwe ukunikeza ukumbozwa kweNgxenye B edonswayo. Lo mthetho uqale ukusebenza ngoJanuwari 1, 2020.

Lolu shintsho lwenzelwa ukudikibalisa abantu ekuvakasheni ihhovisi likadokotela noma isibhedlela lapho bekungadingekile. Ngokufuna ukuthi wonke umuntu akhokhe ephaketheni ingxenye ye-Part B ebanjwayo, iCongress yanethemba lokuthi izonciphisa ukuvakashelwa kwezifo ezincane ezingaphathwa ekhaya.

I-Plan C ingenye yezinketho ezimbili zohlelo lweMedigap ezimboze Ingxenye B edonswayo (enye bekuyiPulani F). Lokhu kusho ukuthi ngeke isathengiselwa ababhalisile abasha ngenxa yomthetho omusha we-MACRA.

Kuthiwani uma sengivele ngine-Medigap Plan C noma ngifuna ukubhalisela eyodwa?

Ungayigcina iPlan C yakho uma usunayo vele. Uma nje ubhalisile ngaphambi kukaDisemba 31, 2019, ungaqhubeka nokusebenzisa uhlelo lwakho.

Ngaphandle kokuthi inkampani onqume ukungabe isanikeza ngohlelo lwakho, ungayibambelela kuyo inqobo nje uma kunengqondo kuwe. Ngokwengeziwe, uma ufaneleke ukuthola iMedicare ngaphambi noma ngaphambi kukaDisemba 31, 2019, usengabhalisa ku-Plan C.

Imithetho efanayo isebenza kuHlelo F. Uma ubusunayo, noma ubusubhalisile eMedicare ngaphambi kuka-2020, uHlelo F luzotholakala kuwe.

Ingabe zikhona ezinye izinketho ezifanayo zohlelo ezitholakalayo?

I-Plan C ngeke itholakale kuwe uma usanda kufaneleka ukuthola i-Medicare ngo-2021. Usenezinye izinketho eziningi zezinhlelo zeMedigap ezihlanganisa izindleko zakho eziningi zeMedicare. Kodwa-ke, lezo zinhlelo azikwazi ukumboza izindleko ze-Part B ezikhishwayo, ngokomthetho omusha.

Ngabe iMedigap Plan C imbozani?

Uhlelo C luthandwa kakhulu ngenxa yokuthi luphelele kangakanani. Izimali eziningi zokwabelana ngezindleko zeMedicare zimbozwe ngaphansi kohlelo. Ngokungeziwe ekusetshenzisweni kweNgxenye B ebanjwayo, i-Plan C ihlanganisa:

• Ingxenye yeMedicare A idonswa
• Izindleko ze-Medicare Part A zemali
• Izindleko zokukhokhelwa kwe-Medicare Part B
• ukuqinisekiswa kwemali esibhedlela kuze kube yizinsuku ezingama-365
• amaphepha amathathu okuqala egazi adingekayo ngenqubo
• indawo yokuhlengikaza enekhono
• ukunakekelwa kwe-hospice
• ukutholakala kwezimo eziphuthumayo ezweni langaphandle

Njengoba ukwazi ukubona, cishe zonke izindleko eziwela kubahlomuli beMedicare zimbozwe ngoHlelo C. Izindleko kuphela ezingakhokhelwa uHlelo C yilokho okwaziwa ngokuthi yiNgxenye B “izindleko ezingaphezulu.” Izindleko ezengeziwe ziyinani elingaphezulu kwezindleko ezivunyelwe yi-Medicare ezikhokhiswa ngumhlinzeki wezokunakekelwa kwempilo wenkonzo ethile. Izinkokhelo ezeqile azivunyelwe kwezinye izifundazwe, okwenza i-Plan C ibe inketho enhle.

Yiziphi ezinye izinhlelo eziphelele ezitholakalayo?

Kunezinhlobonhlobo zezinhlelo zeMedigap ezitholakalayo, kufaka phakathi uHlelo C noHlelo F. Uma ungeke ukwazi ukubhalisa kunoma yikuphi kwalabo ngoba ubungafanele i-Medicare ngaphambi kuka-2020, unezinketho ezimbalwa zokutholakala okufanayo.

Izinketho ezidumile zifaka Izinhlelo D, G, no-N.Zonke zinikeza ukumbozwa okufanayo kumaPulani C no-F, ngokuhluka okumbalwa okumbalwa:

• Uhlelo D. Lolu hlelo lunikeza konke ukufakwa kohlelo C ngaphandle kweNgxenye B edonswayo.

• Ingabe kukhona umehluko wezindleko phakathi kwezinhlelo?

  Amaphrimiyamu e-Plan C athanda ukuba ngaphezulu kakhulu kunamaprimiyamu wenyanga wezinhlelo D, G, noma N. Izindleko zakho zizoya ngokuthi uhlala kuphi, kepha ungabheka ezinye izindleko zesampula ezivela ezweni lonke eshadini elingezansi:

  Idolobha	Uhlelo C	Hlela uD	Hlela uG	Hlela uN
  IPhiladelphia, PA	$151–$895	$138–$576	$128–$891	$88–$715
  I-San Antonio, TX	$120–$601	$127–$529	$88–$833	$70–$599
  I-Columbus, OH	$125–$746	$106–$591	$101–$857	$79–$681
  I-Denver, CO	$152–$1,156	$125–$693	$110–$1,036	$86–$722

  Ngokuya ngesimo sakho, ungahle ube nezinketho ezingaphezu kweyodwa zePlan G. Ezinye izifundazwe zinikeza izinketho ze-Plan G ezinqunywe kakhulu. Izindleko zakho ze-premium zizokwehla ngohlelo oludonswa kakhulu, kepha imali yakho ongayikhipha ingaba phezulu njengama-dollar ayizinkulungwane ezimbalwa ngaphambi kokufakwa kwakho kweMedigap.

  Ngilikhetha kanjani icebo elifanele kimi?

  Izinhlelo zeMedigap zingakusiza ukuthi ukhokhe izindleko ezihambisana neMedicare. Kunezinhlelo eziyi-10 ezitholakalayo, kanti iMedicare idinga ukuthi zifane nezilinganiso noma ngabe zinikezwa yiphi inkampani. Okuhlukile kulo mthetho yizinhlelo ezinikezwa izakhamizi zaseMassachusetts, Minnesota, noma eWisconsin. Lezi zifundazwe zinemithetho ehlukile yezinhlelo zeMedigap.

  Kodwa-ke, izinhlelo zeMedigap azenzi mqondo kuwo wonke umuntu. Ngokuya ngesabelomali sakho kanye nezidingo zokunakekelwa kwezempilo, ukukhokha imali eyengeziwe engadonswa kungahle kungafaneli izinzuzo.

  Futhi, izinhlelo zeMedigap azihlinzeki ngemithi kadokotela nokunye ukumbozwa okungeziwe. Isibonelo, uma unesimo esingelapheki esidinga incwadi kadokotela, ungangcono ngecebo leMedicare Advantage noma uhlelo lweMedicare Part D.

  Ngakolunye uhlangothi, uma udokotela wakho encome inqubo ezodinga ukuhlala esibhedlela, uhlelo lweMedigap oluhlanganisa ingxenye yakho A edonswayo kanye nesibambiso semali yesibhedlela kungenzeka kube yisinyathelo esihlakaniphile.

  Buhle beMedigap:

  • ukumbozwa ezweni lonke
  • ukumbozwa kwezindleko eziningi zemithi
  • izinsuku ezingeziwe ezingama-365 zokutholakala kwesibhedlela
  • ezinye izinhlelo zinikeza ukumbozwa ngenkathi uhambela phesheya
  • ezinye izinhlelo zihlanganisa okungeziwe njengezinhlelo zokuqina
  • anhlobonhlobo amacebo ongakhetha kuwo
  

  Ububi beMedigap:

  • izindleko ze-premium zingaphakama
  • Ukusetshenziswa kwezidakamizwa kadokotela akufakiwe
  • amazinyo, umbono, nokunye ukumbozwa okungeziwe akufakiwe
  

  Ungathenga izinhlelo zeMedigap endaweni yangakini usebenzisa ithuluzi kuwebhusayithi ye-Medicare. Leli thuluzi lizokukhombisa amapulani atholakala endaweni yangakini nezintengo zawo. Ungasebenzisa lelo thuluzi ukunquma ukuthi ngabe lukhona yini uhlelo oluhlangabezana nezidingo zakho kanye namabhajethi.

  Ngosizo olungeziwe, ungaxhumana noHlelo Lwe-State Health Insurance Assistance Program (SHIP) yakho ukuthola izeluleko zokukhetha uhlelo esifundazweni sakho. Ungaxhumana futhi neMedicare ngqo ukuthola izimpendulo zemibuzo yakho.

  Ukuthatha

  IMedigap Plan C iyindlela ethandwayo yokwengeza ngoba ihlanganisa izindleko eziningi ezingaphandle kwezikhwama ezihambisana neMedicare.

  • Kusukela ngoJanuwari 1, 2020, uHlelo C luyekile.
  • Ungayigcina iPlan C uma usunayo vele.
  • Usengabhalisa ku-Plan C uma ubungafanele i-Medicare ngaphambi noma ngaphambi kukaDisemba 31, 2019.
  • ICongress inqume ukuthi iPulani B ebanjwayo ayisakwazi ukumbozwa yizinhlelo zeMedigap.
  • Ungathenga amacebo afanayo ngaphandle kokutholakala kokudonswa kohlelo B.
  • Izinhlelo ezifanayo zifaka amaMedigap Plans D, G, noN.

  Lo mbhalo uvuselelwe ngoNovemba 20, 2020, ukukhombisa imininingwane ye-2021 Medicare.

  

  Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.