Uhlelo Lwe-Medicare Supplement G: Ingabe Lolu Ihlelo Lwe-Medigap Lakho?

-Delile

• Luyini uhlelo lwe-Medicare supplement (Medigap) G?
• Izinzuzo zohlelo lweMedigap G
• Ububi beMedigap Plan G
• Ngabe ikhava ye-Medicare supplement (Medigap) ihlela ini G?
• Ngabe izindleko ze-Medicare supplement (Medigap) Plan G zibiza kanjani?
• Ngingabhalisa nini ku-Medicare supplement (Medigap) Plan G?
• Ukuthatha

IMedigap Plan G iyi-Medicare supplement plan enikeza izinzuzo eziyisishiyagalombili kweziyisishiyagalolunye ezitholakala ngokutholakala kweMedigap. Ngo-2020 nangaphezulu, uHlelo G luzoba uhlelo olunzulu kakhulu lweMedigap olunikezwayo.

IMedigap Plan G yehlukile kunengxenye ethi “Medicare” - efana neMedicare Part A (isibhedlela) kanye neMedicare Part B (ukwelashwa).

Njengoba "kuyicebo," kungakhethwa. Kodwa-ke, abantu abakhathazekile ngezindleko eziphuma ephaketheni ezihlobene nokunakekelwa kwabo kwezempilo bangathola izinhlelo zokwengeza ze-Medicare (Medigap) inketho ekhangayo.

Qhubeka ufunde ukuze uthole okwengeziwe ngeMedigap Plan G, ukuthi ikubandakanya ini, nokuthi yini engakwenzi.

Luyini uhlelo lwe-Medicare supplement (Medigap) G?

Izinkampani zangasese zomshuwalense wezempilo zithengisa izinhlelo zokwengeza zeMedicare zokusiza ukunciphisa izindleko eziphuma ephaketheni futhi kwesinye isikhathi zikhokhela izinsizakalo iMedicare engazikhokhi. Abantu baphinde babize lezi zinhlelo zeMedigap. Inkampani yomshuwalense izoyithengisa njengomshuwalense wokwengeza we-Medicare.

Uhulumeni wesifundazwe udinga ukuthi izinkampani zomshuwalense ezizimele zilinganise izinhlelo zeMedigap. Ngaphandle kukhona iMassachusetts, Minnesota, neWisconsin, abafaka izinhlelo zabo ngokuhlukile.

Izinkampani eziningi zibiza izinhlelo ngezinhlamvu ezinkulu A, B, C, D, F, G, K, L, M, noN.

Izinqubomgomo ze-Medigap zitholakala kuphela kulabo abane-Medicare yasekuqaleni, okuyi-Medicare izingxenye A no-B. Umuntu one-Medicare Advantage akakwazi ukuba necebo leMedigap.

Umuntu one-Medigap Plan G uzokhokha i-Medicare Part B premium, kanye ne-premium yanyanga zonke ye-Plan G. Futhi, inqubomgomo yeMedigap imboza umuntu kuphela. Izithandani azikwazi ukuthenga inqubomgomo ndawonye.

Izinzuzo zohlelo lweMedigap G

• ukufakwa okuphelele kakhulu kweMedigap
• kunciphisa ukuphuma kwezikhwama nezindleko ezingalindelekile zabahlanganyeli be-Medicare

Ububi beMedigap Plan G

• imvamisa ukubiza kakhulu kweMedigap (manje njengoba i-Plan F ingatholakali)
• imali ebanjwayo ingakhula minyaka yonke

Ngabe ikhava ye-Medicare supplement (Medigap) ihlela ini G?

Lokhu okulandelayo yizindleko zokunakekelwa kwezempilo ezihlawulwa yi-Medicare Plan G:

• I-Medicare Part A coinsurance nesibhedlela kubiza kuze kube yizinsuku ezingama-365 ngemuva kokuthi izinzuzo zomuntu ze-Medicare zisetshenzisiwe
• I-Medicare Part B coinsurance noma ama-copayments
• amaphepha amathathu okuqala egazi okumpontshelwa
• I-Medicare Part A ukunakekelwa kwe-hospice noma i-copayments
• indawo yokunakekelwa kwabahlengikazi enekhono
• Ingxenye yeMedicare A idonswa
• Imali ekhokhwa ngokweqile ye-Medicare Part B (uma udokotela ekhokhisa ngaphezu kwemali evunyelwe yi-Medicare, lolu hlelo luzohlanganisa umehluko)
• ukushintshaniswa kohambo lwangaphandle okufika emaphesentini angama-80

Kunezindleko ezimbili i-Medicare Plan G engazikhokhi uma ziqhathaniswa ne-Plan F yangaphambili:

• Ingxenye B iyadonswa
• lapho umkhawulo ophuma ephaketheni nokudonswa minyaka yonke kwe-Medicare Part B kudlulwa

NgoJanuwari 1, 2020, izinguquko kwiMedicare zazisho ukuthi uHlelo F noHlelo C lwakhishelwa abantu abasha kwiMedicare. Phambilini i-Medicare Plan F yayiwuhlelo oluphelele noludume kakhulu lweMedicare. Manje, uHlelo G yinkampani yomshuwalense wohlelo olunzulu kunayo yonke olunikezayo.

Ngabe izindleko ze-Medicare supplement (Medigap) Plan G zibiza kanjani?

Ngoba iMedicare Plan G inikeza ukumbozwa okufanayo noma ngabe iyiphi inkampani yomshuwalense enikeza uhlelo, umehluko omkhulu izindleko. Izinkampani zomshuwalense azinikeli ngezinhlelo ngenkokhelo efanayo yanyanga zonke, ngakho-ke (ngokoqobo) ikhokhela ukuthenga ngenqubomgomo ebiza kakhulu.

Kunezici eziningi eziya kulokho okukhokhiswa yinkampani yomshuwalense ngoHlelo G. Lokhu kufaka phakathi:

• iminyaka yakho
• impilo yakho yonke
• uhlala kusiphi isimo
• uma inkampani yomshuwalense ikunikeza izephulelo zezinto ezithile, njengokungabhemi noma ukukhokha minyaka yonke esikhundleni senyanga

Lapho umuntu esekhethe uhlelo lokwengeza lwe-Medicare, ama-deductibles angakhuphuka minyaka yonke. Kodwa-ke, abanye abantu bakuthola kunzima ukushintsha ukumbozwa kwabo ngoba bayakhula (futhi amaphrimiyamu kungenzeka ukuthi abe ngaphezulu) futhi bangathola ukuthi izinhlelo zokushintsha zibabiza kakhulu.

Ngoba lona unyaka wokuqala uhlelo lwe-Medicare supplement Plan G luhlelo oluphelele kunazo zonke, kungenzeka ukuthi izinkampani zomshuwalense wezempilo zingakhuphula izindleko ngokuhamba kwesikhathi. Kodwa-ke, ukuncintisana ezimakethe zomshuwalense kungasiza ekugcineni amanani entengo ephansi.

Ngingabhalisa nini ku-Medicare supplement (Medigap) Plan G?

Ungabhalisela uhlelo lwe-Medicare lokwengeza ngesikhathi sokubhalisa esivulekile. Lesi sikhathi - esiqondene nezinhlelo zokwengeza ze-Medicare - siqala usuku lokuqala lwenyanga nobabili nineminyaka engama-65 ubudala futhi nibhalise ngokusemthethweni kwi-Medicare Part B. Bese ninezinyanga eziyisithupha ukubhalisela uhlelo lwe-Medicare supplement.

Ukubhalisa ngesikhathi sakho sokubhalisa esivulekile kungakongela imali eningi. Ngalesi sikhathi, izinkampani zomshuwalense azivunyelwe ukusebenzisa ukubhala phansi kwezokwelapha ukwenza intengo yenqubomgomo yakho. Lokhu kusho ukuthi abakwazi ukukubuza ngezimo zakho zezokwelapha noma benqabe ukukumboza.

Ungabhalisela uhlelo lwe-Medicare lokwengeza ngemuva kohlelo lwakho lokubhalisa oluvulekile, kepha kuya ngokuya kube nzima. Ngaleso sikhathi, uvame ukudinga amalungelo okukhishwa aqinisekisiwe. Lokhu kusho ukuthi kukhona okushintshiwe ngezinzuzo zakho ze-Medicare obe ungazilawuli futhi izinhlelo azikwazi ukukuphika ukumbozwa kwakho. Izibonelo zifaka:

• Ubunohlelo lweMedicare Advantage olungasahlinzekwa endaweni yangakini, noma uthuthe futhi awukwazi ukuthola uhlelo lwakho olufanayo lweMedicare Advantage.
• Uhlelo lwakho lwangaphambilini lwe-Medicare olwenze ubuqili noma lukukhohlise maqondana nokusabalala, amanani entengo, noma ezinye izinto.
• Uhlelo lwakho lwangaphambilini lwe-Medicare lubangelwe futhi alusanikeli ngokumbozwa.
• Ubunohlelo lwe-Medicare supplement, kepha ushintshele ku-Medicare Advantage. Ngaphansi konyaka, ungabuyela emuva ku-Medicare yendabuko kanye nohlelo lwe-Medicare supplement.

Ngalezi zikhathi, inkampani yomshuwalense wezempilo ayikwazi ukwenqaba ukukunikeza inqubomgomo yokwengeza ye-Medicare.

• Sebenzisa I-Medicare.gov’s ithuluzi lokuthola nokuqhathanisa izinqubomgomo zeMedigap. Cabanga ngezindleko zakho zamanje zomshuwalense wanyanga zonke, ukuthi ungakhokha malini, futhi uma unezimo zezokwelapha ezingakhuphula izindleko zakho zokunakekelwa kwezempilo esikhathini esizayo.
• Xhumana noHlelo Lwe-State Health Assistance Program (SHIP) yakho. Cela umhlahlandlela wokuqhathanisa izinga lokuthenga.
• Xhumana nezinkampani zomshuwalense ezinconywe abangane noma umndeni (noma izinkampani ozisebenzise esikhathini esedlule). Cela ikhotheshini yezinqubomgomo zeMedigap. Buza ukuthi ngabe bakunikeza izaphulelo ongazifanelekela (njengokuthi ungabhemi).
• Thintana noMnyango Womshwalense Wombuso wakho. Cela uhlu lwamarekhodi ezikhalazo ngezinkampani zomshuwalense, uma lukhona. Lokhu kungakusiza ukuthi ukhiphe izinkampani ezingaba yinkinga kubahlomuli bazo.

Khumbula, ukumbozwa kweMedigap kumisiwe. Uzothola ukumbozwa okufanayo kungakhathalekile ukuthi uyiphi inkampani yomshuwalense, kuya ngesimo okuso, kodwa ungakhokha kancane.

Ukuthatha

Uhlelo lwe-Medicare supplement G, olubizwa nangokuthi iMedigap Plan G, manje seluwuhlelo oluphelele kunawo wonke lweMedicare olunikezwa izinkampani zomshuwalense wezempilo.

Uhlelo lungasiza ukunciphisa izindleko zakho zokuphuma ephaketheni uma une-Medicare yoqobo.

Uma uzothenga inqubomgomo ye-Plan G, ukubhalisa ngesikhathi sakho sokubhalisa esivulekile kungenzeka ukuthi kubiza kakhulu.

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.