Uhlelo LweMedigap F: Luthini Izindleko Nezembozo Zalolu hlelo Lwe-Medicare Supplement?

-Delile

• Luyini uhlelo lweMedigap F?
• Kubiza malini iMedigap Plan F?
• Ngubani ongabhalisa kuMedigap Plan F?
• Ngabe iMedigap Plan F imbozani?
• Ezinye izinketho uma ungakwazi ukubhalisa ku-Medigap Plan F
• Ukuthatha

Lapho ubhalisa kwi-Medicare, ungakhetha ukuthi iziphi “izingxenye” ze-Medicare ombozwe ngazo. Izinketho ezahlukahlukene zeMedicare ukumboza izidingo zakho eziyisisekelo zokunakekelwa kwezempilo zifaka iNgxenye A, Ingxenye B, Ingxenye C, neNgxenye D.

Kukhona nezinye izengezo zohlelo lwe-Medicare supplement (Medigap) ezinganikeza ukumbozwa okungeziwe nosizo ngezindleko. IMedigap Plan F yinqubomgomo yeMedigap engezwe kuhlelo lwakho lweMedarethi olusiza ukumboza izindleko zakho zomshuwalense wezempilo.

Kule ndatshana, sizohlola ukuthi luyini uhlelo lweMedigap Plan F, lubiza malini, limbozani, nokuningi.

Luyini uhlelo lweMedigap F?

IMedigap inikezwa izinkampani zomshuwalense ezizimele njengesengezo kuhlelo lwakho lokuqala lweMedicare.Inhloso yokuba nohlelo lweMedigap ukusiza ukumboza izindleko zakho zeMedicare, ezinjengokudonswa kwemali ekhokhwayo, ukukhokhelwa kwemali kanye nokuqinisekiswa kwemali. Kunezinhlelo eziyi-10 zeMedigap ezinganikezwa izinkampani zomshuwalense, kufaka phakathi u-A, B, C, D, F, G, K, L, M noN.

IMedigap Plan F, kwesinye isikhathi ebizwa ngokuthi yiMedicare Supplement Plan F, uhlelo oluhle kakhulu lweMedigap olunikezwayo. Ihlanganisa cishe zonke izindleko zakho ze-Medicare Part A no-Part B ukuze ukwazi ukweleta imali encane kakhulu ephaketheni lezinsizakalo zezempilo.

IMedigap Plan F ingaba yindlela enhle uma:

• kudinga ukunakekelwa kaningi kwezokwelapha futhi uvakashele udokotela kaningi
• zidinga usizo lwezezimali ngokunakekelwa kwabahlengikazi noma ukunakekelwa kwabagula kakhulu
• ukuphuma ezweni kaningi kepha awunayo imishwalense yezempilo yabahambi

Kubiza malini iMedigap Plan F?

Uma ubhalise ku-Medigap Plan F, unesibopho sezindleko ezilandelayo:

• Iphrimiyamu yanyanga zonke. Uhlelo ngalunye lweMedigap lune-premium yalo yanyanga zonke. Lezi zindleko zizohluka ngokuya ngohlelo olukhethayo nenkampani othenga ngayo uhlelo lwakho.
• Ukudonswa konyaka. Ngenkathi iMedigap Plan F uqobo lwayo ingenayo imali engadonswa minyaka yonke, zombili iMedicare Part A neNgxenye B ziyayenza. Kodwa-ke, ngokungafani nezinye izinketho ezinikezwayo, iMedigap Plan F ihlanganisa amaphesenti ayi-100 eNxenye A kanye neNgxenye B ebanjwayo.
• Ama-copayments kanye ne-coinsurance. Nge-Medigap Plan F, zonke izingxenye zakho ze-Part A kanye ne-Part B zokukhokhelwa kanye ne-coinsurance zimbozwe ngokuphelele, okuholela ezindlekweni ezingaphuma ephaketheni zama- $ 0 zezinsizakalo zezokwelapha noma zezibhedlela.

IMedigap Plan F ibuye ifake inketho ebanjwayo ephezulu etholakala ezindaweni eziningi. Ngalolu hlelo, uzokweleta imali ekhishwa minyaka yonke engama- $ 2,370 ngaphambi kokuba iMedigap ikhokhe, kodwa ama-premium akhishwa nyangazonke ngokuvamile abiza kancane. Uhlelo lwe-Medigap Plan oludonsa kakhulu luyindlela enhle kubantu abathanda ukukhokha imali ephansi kakhulu yenyanga engenzeka kulokhu kufakwa.

Nazi izibonelo ezimbalwa zamaphrimiyamu eMedigap Plan F emadolobheni ahlukene ezweni lonke:

Ngubani ongabhalisa kuMedigap Plan F?

Uma usuvele unayo i-Medicare Advantage, ungahle ucabange ukushintshela ku-Medicare yasekuqaleni ngenqubomgomo yeMedigap. Phambilini, noma ngubani obhalise kwiMedicare yoqobo ubengathenga iMedigap Plan F. Kodwa-ke, lolu hlelo seluyaphela. Kusukela ngoJanuwari 1, 2020, iMedigap Plan F itholakala kuphela kulabo ababelungele iMedicare ngaphambi kuka-2020.

Uma ubusuvele ubhalisile kuMedigap Plan F, ungagcina uhlelo nezinzuzo. Futhi, uma ubufanelekela ukuthola iMedicare ngaphambi kukaJanuwari 1, 2020, kepha waphuthelwa ukubhaliswa, usengafaneleka ukuthenga iMedigap Plan F.

Uma uhlela ukubhalisa eMedigap, kunezikhathi ezithile zokubhalisa okufanele uziqaphele:

• Ukubhaliswa okuvulekile kweMedigap isebenza izinyanga eziyisithupha ukusuka enyangeni ohlanganisa iminyaka engama-65 bese ubhalisa kwiMedicare Part B.
• Ukubhaliswa okukhethekile kweMedigap Okwabantu abangafanelekela ukuthola iMedicare neMedigap ngaphambi kokuba babe neminyaka engama-65, njengalezo ezinesifo sokusha kwezinso (ESRD) noma ezinye izimo esezivele zikhona.

Kubalulekile ukuthi wazi ukuthi ngesikhathi sokubhalisa esivulekile seMedigap, awukwazi ukwenqatshelwa inqubomgomo yeMedigap yezimo zempilo esezikhona. Kodwa-ke, ngaphandle kwesikhathi sokubhalisa esivulekile, izinkampani zomshuwalense zingakuphika inqubomgomo yeMedigap ngenxa yempilo yakho, noma ngabe ufanele ukuyithola.

Ngakho-ke, kuyintshisekelo yakho ukubhalisa ku-Medicare Supplement Plan F ngokushesha okukhulu uma usafanelekile.

Ngabe iMedigap Plan F imbozani?

IMedigap Plan F yiyona ephelele kakhulu yeminikelo yohlelo lweMedigap, njengoba ihlanganisa cishe zonke izindleko ezihambisana nezingxenye zeMedicare A no-B.

Zonke izinhlelo zeMedigap zihleliwe, okusho ukuthi ukumbozwa okunikezwayo kufanele kufane kusuka kuhulumeni kuya kuhulumeni (ngaphandle kweMassachusetts, Minnesota, noma iWisconsin).

Nakhu okuhlanganiswa yiMedigap Plan F:

• Ingxenye A yokuqinisekisa imali kanye nezindleko zesibhedlela
• Ingxenye A ukunakekelwa kwe-hospice noma i-copayments
• Ingxenye A yokunakekelwa kwendawo yokuhlengikaza ukuqinisekiswa kwemali
• Ingxenye A ebanjwayo
• Ingxenye B yokubambezeleka noma ama-copayments
• Ingxenye B iyadonswa
• Ingxenye B ishaja ngokweqile
• Ukumpontshelwa igazi (kufika ku-3 pints)
• Amaphesenti angama-80 wezindleko zokuhamba zangaphandle

Awukho umkhawulo ophuma ephaketheni ngeMedigap Plan F, futhi ayihlanganisi noma iyiphi yemali oyikhokha nyangazonke ye-Medicare Part A ne-Part B.

Njengoba kushiwo ngenhla, zonke izinhlelo zeMedigap zenziwa zifane nomthetho - ngaphandle kokuthi uma uhlala eMassachusetts, Minnesota, noma eWisconsin. Kulezi zifundazwe, izinqubomgomo zeMedigap zibekwe ngendlela ehlukile, ngakho-ke ungahle unganikezwa ukumbozwa okufanayo ngeMedigap Plan F.

Ezinye izinketho uma ungakwazi ukubhalisa ku-Medigap Plan F

Uma ngabe ubusuvele umbozwe yiMedigap Plan F noma i-Medicare efanelekile ngaphambi kukaJanuwari 1, 2020, ungagcina noma uthenge lolu hlelo. Uma kungenjalo, cishe uzocubungula eminye iminikelo yohlelo, njengoba iMedigap Plan F ingasanikezwa abahlomuli abasha beMedicare.

Nazi izinketho ezimbalwa zohlelo lweMedigap okufanele uzicabangele uma ungafanelekile ukubhalisela uHlelo F:

• 

  Noma kunini lapho usukulungele ukubhalisa, ungavakashela i-Medicare.gov ukuthola inqubomgomo yeMedigap etholakala eduze kwakho.

  Ukuthatha

  IMedigap Plan F wuhlelo olubanzi lweMedigap olusiza ukumboza imali yakho edonswayo etholakala ku-Medicare Part A ne-Part B, ama-copayments kanye ne-coinsurance. IMedigap Plan F iyazuzisa kubahlomuli abahola kancane abadinga ukunakekelwa kwezokwelapha njalo, noma kunoma ngubani ofuna ukukhokha imali encane ephaketheni ngangokunokwenzeka ngezinsizakalo zezokwelapha.

  Njengoba iMedigap Plan F ingasanikelwa kubabhalisi abasha, iMedigap Plan G inikeza ukumbozwa okufanayo ngaphandle kokumboza Ingxenye B ebanjwayo.

  Uma usukulungele ukuqhubekela phambili futhi ubhalise kuhlelo lweMedigap, ungasebenzisa iwebhusayithi kaMedicare.gov ukusesha izinqubomgomo eziseduze nawe.

  Lo mbhalo uvuselelwe ngoNovemba 13, 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.