Uhlelo Lwe-Medicare Supplement F: Ingabe Luyaqhubeka?

-Delile

• Uma ngine-Medigap Plan F, ngingayigcina?
• Luyini uhlelo F?
• Kungani kungabantu abathile kuphela abangabhalisa kuhlelo lwe-Medicare Supplement Plan F?
• Zikhona ezinye izinhlelo ezifanayo zeMedigap?
• Ukuthatha

• Kusukela ngo-2020, izinhlelo zeMedigap azisavunyelwe ukumboza ukukhishwa kweMedicare Part B.
• Abantu abasha ku-Medicare ngo-2020 abakwazi ukubhalisa ku-Plan F; kodwa-ke, labo asebavele banePlan F bangayigcina.
• Ezinye izinhlelo eziningi zeMedigap zinikeza ukumbozwa okufanayo kuHlelo F.

Umshwalense weMedicare supplement (iMedigap) wuhlobo lomshwalense weMedicare ongasiza ukukhokhela ezinye izindleko i-Medicare yasekuqaleni (izingxenye A no-B) ezingayikhokhi.

Uhlelo F luyindlela eyodwa yeMedigap. Yize kukhona izinguquko kulo ngo-2020, lolu hlelo oludumile alusuki kuwo wonke umuntu. Kepha abanye abantu ngeke besakwazi ukubhalisa kuyo.

Qhubeka ufunde ukuze ufunde kabanzi.

Uma ngine-Medigap Plan F, ngingayigcina?

Abantu asebevele babhalisile ku-Plan F bangayigcina. Izinqubomgomo zeMedigap ziqinisekisiwe ukuthi ziyavuselelwa inqobo nje uma ugcina ukubhaliswa futhi ukhokha imali ekhokhwa nyangazonke ehambisana nenqubomgomo yakho.

Luyini uhlelo F?

I-Medicare yangempela ikhokha cishe amaphesenti angama-80 wezindleko ezihlobene nokunakekelwa kwezempilo. Izinqubomgomo zomshuwalense ezengeziwe ezifana neMedigap zingasiza ukukhokhela izindleko ezisele, kwesinye isikhathi kwehlise kakhulu izindleko eziphuma ephaketheni.

Cishe umuntu oyedwa kwabane abane-Medicare yasekuqaleni futhi unenqubomgomo yeMedigap. Lezi zinqubomgomo zidayiswa izinkampani ezizimele futhi zihlotshaniswa ne-premium eyengeziwe yenyanga.

I-Plan F ingenye yezinhlelo eziyi-10 ezijwayelekile zeMedigap. Ngaphezu kwenguqulo ejwayelekile, inketho edonswa kakhulu iyatholakala nakwezinye izindawo. Le nketho ine-premium ephansi yanyanga zonke, kepha kufanele uhlangabezane nokudonswa kwemali engu- $ 2,340 ngo-2020 ngaphambi kokuthi inqubomgomo yakho iqale ukukhokhela izindleko.

Kuzo zonke izinhlelo zeMedigap, uHlelo F yilona olubandakanya kakhulu. Uhlelo F lubandakanya amaphesenti ayi-100 wezindleko ezilandelayo:

• Ingxenye yeMedicare A idonswa
• I-Medicare Part A coinsurance nezindleko zesibhedlela
• Ingxenye ye-Medicare Ingxenye yokunakekelwa kwabahlengikazi enekhono
• I-Medicare Part A ye-hospice yokuqinisekisa imali nama-copay
• I-Medicare Part B iyadonswa
• I-Medicare Part B coinsurance nama-copays
• Izindleko ezeqile zeMedicare Part B
• Igazi (amaphayinti amathathu okuqala)

I-Plan F ibuye ihlanganise amaphesenti angama-80 wezidingo zezokwelapha lapho usohambweni olungaphandle kwe-United States.

Kungani kungabantu abathile kuphela abangabhalisa kuhlelo lwe-Medicare Supplement Plan F?

Ngenxa yomthetho omusha, izinhlelo zeMedigap azisavunyelwe ukumboza iMedicare Part B ebanjwayo. Lolu shintsho luqale ukusebenza ngoJanuwari 1, 2020.

Lo mthetho omusha uthinte ezinye izinhlelo zeMedigap ezibandakanya ukudonswa kweNgxenye B, kufaka phakathi uHlelo F. Lokhu kusho ukuthi abantu ababhalisa kwiMedicare ngo-2020 nangaphezulu ngeke besakwazi ukubhalisela uHlelo F.

Uma ubufanelekela ukuthola i-Medicare ngaphambi kukaJanuwari 1, 2020, kodwa ungabhalisanga ngaleso sikhathi, usengakwazi ukuthenga inqubomgomo ye-Plan F.

Zikhona ezinye izinhlelo ezifanayo zeMedigap?

Ezinye izinhlelo zeMedigap zinezinzuzo ezifanayo kuHlelo F. Uma ufanelekile ukuthola iMedicare ngo-2020 futhi ungathanda ukuthenga inqubomgomo yeMedigap, cabanga ngezinhlelo ezilandelayo:

• Hlela uG
• Hlela uD
• Hlela uN

Ithebula elingezansi liqhathanisa ukumbozwa koHlelo F nalezi ezinye izinhlelo zeMedigap.

Ukuthatha

I-Plan F ingenye yezinhlobo eziyi-10 zezinhlelo zeMedigap. Ihlanganisa ububanzi obubanzi bezindleko i-Medicare yangempela engakhokhi.

Kusukela ngo-2020, imithetho emisha ivimbela izinqubomgomo zeMedigap ukumboza iMedicare Part B ebanjwayo. Ngenxa yalokhu, abantu abasha ku-Medicare ngo-2020 ngeke bakwazi ukubhalisela uHlelo F. Labo asebevele benalo uhlelo F, ngakolunye uhlangothi, bangalugcina.

Ezinye izinhlelo zeMedigap zinikeza ukumboza okufana kakhulu noHlelo F, kufaka phakathi uHlelo G, uHlelo D, kanye noHlelo N. izidingo zakho.

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.