Konke Mayelana ne-Medicare Supplement Plan M

-Delile

• Ngabe i-Medicare Supplement Plan M imbozani?
• Kuyini ukwabelana ngezindleko futhi kusebenza kanjani?
• Ezinye izindleko eziphuma ephaketheni
• Inkokhelo
• Ngabe ngifanelekile ukuthenga uhlelo lwe-Medicare Supplement Plan?
• Ukubhalisa kuhlelo lwe-Medicare Supplement Plan M
• Ukuthatha

I-Medicare Supplement Plan M (iMedigap Plan M) ingenye yezinketho ezintsha zeMedigap plan. Lolu hlelo lwenzelwe abantu abafuna ukukhokha imali ephansi yanyanga zonke (i-premium) ukuze bakhokhele uhhafu wengxenye yonyaka ebanjwayo i-Part A (isibhedlela) kanye nengxenye ephelele yonyaka i-Part B (outpatient).

Uma ungalindeli ukuvakashelwa njalo esibhedlela futhi ukhululekile ngokwabelana ngezindleko, uhlelo lweMedicare Supplement Plan M lungaba yisinqumo esihle kuwe.

Qhubeka nokufunda ukuze ufunde kabanzi ngale nketho, kufaka phakathi ukuthi ikubandakanya ini, ubani ofanelekile, nokuthi ungabhalisa nini.

Ngabe i-Medicare Supplement Plan M imbozani?

Uhlelo lweMedicare Supplement Plan M lubandakanya okulandelayo:

• Amaphesenti ayi-100 e-Part A coinsurance kanye nezindleko zesibhedlela kuze kufike ezinsukwini ezingama-365 ezengeziwe ngemuva kokuthi izinzuzo zeMedicare zisetshenzisiwe
• Amaphesenti angama-50 engxenye ekhishwayo
• Amaphesenti ayi-100 we-Part A yokunakekelwa kwe-hospice noma i-copayments
• Amaphesenti ayi-100 wezindleko zokumpontshelwa igazi (amaphayinti amathathu okuqala)
• Amaphesenti ayi-100 wesikhungo sokunakekelwa kwabahlengikazi abanamakhono
• Amaphesenti ayi-100 weNgxenye B yemalimboleko noma ama-copayments
• Amaphesenti angama-80 wezindleko zokunakekelwa kwezempilo afanelekayo ngenkathi ehambela phesheya

Kuyini ukwabelana ngezindleko futhi kusebenza kanjani?

Ukwabelana ngezindleko ngokuyisisekelo inani lemali okufanele ulikhokhe futhi ukhokhelwe nguwe ngemuva kokuthi uMedare kanye nenqubomgomo yakho yeMedigap sebekhokhe amasheya abo.

Nasi isibonelo sendlela ukwabelana ngezindleko okungadlala ngayo:

Une-Medicare yangempela (izingxenye A no-B) kanye nenqubomgomo yeMedigap Plan M. Ngemuva kokuhlinzwa okhalweni, uchitha ubusuku obubili esibhedlela bese unochungechunge lokuvakashelwa okulandelanayo nodokotela wakho ohlinzayo.

Ukuhlinzwa kwakho nokuhlala kwakho esibhedlela kumbozwe yiMedicare Part A ngemuva kokuthi uhlangane nengxenye ebanjwayo. IMedigap Plan M ikhokha uhhafu waleyo ebanjwayo futhi unesibopho sokukhokha enye ingxenye ephaketheni.

Ngo-2021, isibhedlela se-Medicare Part A esibulalayo singadonswa ngu- $ 1,484. Isabelo sakho senqubomgomo seMedigap Plan M sizoba ngu- $ 742 kuthi isabelo sakho sibe ngu- $ 742.

Ukuvakasha kwakho okulandelwayo kutholakala yi-Medicare Part B ne-Medigap Plan yakho M. Uma usukhokhele imali ekhishwa minyaka yonke engxenyeni B, iMedicare ikhokhela ukunakekelwa kwakho kweziguli okungama-80% kanti iMedicare Plan M yakho ikhokhela amanye ama-20%.

Ngo-2021, imali ekhishwa minyaka yonke ye-Medicare Part B ingu- $ 203. Uzoba nesibopho saleyo mali ephelele.

Ezinye izindleko eziphuma ephaketheni

Ngaphambi kokukhetha umhlinzeki wezokunakekelwa kwezempilo, hlola ukuthi bazowamukela yini amanani abelwe iMedicare (intengo iMedicare izovumela inqubo kanye nokwelashwa).

Uma udokotela wakho engawamukeli amanani abelwe i-Medicare, ungathola omunye udokotela ozohlala nodokotela wakho wamanje. Uma ukhetha ukuhlala, udokotela wakho akavunyelwe ukukhokhisa ngaphezu kwamaphesenti ayi-15 ngaphezu kwemali evunyelwe yi-Medicare.

Inani elikhokhiswa udokotela wakho ngaphezu kwezinga elibelwe iMedicare libizwa ngokuthi yinkokhelo eyeqile kwengxenye B. Ngohlelo lwe-Medigap Plan M, unesibopho sokukhokha imali engu-Part B eyeqile esikhwameni ..

Inkokhelo

Ngemuva kokuthi uthole ukwelashwa ngezinga eligunyazwe yi-Medicare:

1. IMedicare Part A noma B ikhokha isabelo sayo samacala.
2. Inqubomgomo yakho ye-Medigap ikhokha isabelo sayo sezindleko.
3. Ukhokha isabelo sakho sezindleko (uma zikhona).

Ngabe ngifanelekile ukuthenga uhlelo lwe-Medicare Supplement Plan?

Ukuze ufanelekele uhlelo lwe-Medicare Supplement Plan M, kufanele ubhalise kwi-Medicare Part A yasekuqaleni kanye no-Part B. Kumele futhi uhlale endaweni lapho lolu hlelo luthengiswa khona yinkampani yomshuwalense. Ukuze uthole ukuthi ngabe u-plan M unikezwa yini endaweni yakho, faka ikhodi yakho ye-ZIP kusitholi sohlelo lwe-Medicare's Medigap.

Ukubhalisa kuhlelo lwe-Medicare Supplement Plan M

Isikhathi sakho sokubhalisa esivulekile se-Medigap (i-OEP) sezinyanga eziyisithupha (OEP) ngokuvamile yisikhathi esihle sokubhalisa kunoma iyiphi inqubomgomo yeMedigap kufaka phakathi iMedigap Plan M. I-Medigap OEP yakho iqala ngenyanga uneminyaka yobudala engama-65 noma ngaphezulu futhi ubhalise kwi-Medicare Part B.

Isizathu sokubhalisa ngesikhathi se-OEP yakho ukuthi izinkampani zomshuwalense ezizimele ezithengisa izinqubomgomo zeMedigap azikwazi ukukuphika futhi kufanele zikunikeze isilinganiso esingcono kakhulu, ngaphandle kwesimo sempilo yakho. Izinga elingcono kakhulu elitholakalayo lingaxhomeka ezicini, njenge:

• ubudala
• ubulili
• isimo sakho somshado
• uhlala kuphi
• noma ngabe uyabhema

Ukubhalisa ngaphandle kwe-OEP yakho kungadala isidingo sokubhalwa phansi kwezokwelapha futhi ukwamukelwa kwakho akuqinisekisiwe ngaso sonke isikhathi.

Ukuthatha

Izinhlelo ze-Medicare supplement (Medigap) zisiza ukumboza ezinye “izikhala” phakathi kwezindleko zokunakekelwa kwezempilo nokuthi yini iMedicare enikela ngayo kulezo zindleko.

Nge-Medigap Plan M, ukhokha imali ephansi kodwa uhlanganyele ezindlekweni zeMedicare Part A (esibhedlela) yakho edonswayo, iMedicare Part B (outpatient) edonswayo, kanye ne-Part B eyeqile.

Ngaphambi kokuzibophezela kuMedigap Plan M noma kunoma yiluphi uhlelo lweMedigap, buyekeza izidingo zakho nomenzeli onelayisense ogxile kwizithasiselo zeMedicare ukukusiza. Ungaxhumana futhi noHlelo Lwe-State Health Assistance Program (SHIP) lombuso wakho ngosizo lwamahhala ekuqondeni izinqubomgomo ezitholakalayo.

Lo mbhalo uvuselelwe ngoNovemba 19, 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.