Uhlelo lweMedigap G: Ukudiliza Izindleko Zango-2021

-Delile

• Lubiza malini uhlelo lwe-Medicare Supplement Plan G?
• Izinkokhelo zanyanga zonke
• Okudonswayo
• Ama-Copays kanye ne-coinsurance
• Izindleko eziphuma ephaketheni
• Ngabe i-Medicare Supplement Plan G imbozani?
• Ngabe uhlelo lweMedicare Supplement Plan G luyindlela enhle uma ungakwazi ukuthola iPlan F?
• Ngubani ongabhalisa ku-Medicare Supplement Plan G?
• Ungaluthenga kuphi uhlelo lwe-Medicare Supplement Plan G?
• Ungalutholaphi usizo ekukhetheni uhlelo lweMedigap
• Ukuthatha

I-Medicare wuhlelo lomshuwalense wezempilo oluxhaswe ngunobumbano olwenziwe izingxenye eziningana, ngasinye sihlinzeka ngezindlela ezahlukahlukene zokuhlanganisa:

• I-Medicare Part A (umshuwalense wesibhedlela)
• I-Medicare Part B (umshuwalense wezokwelapha)
• I-Medicare Part C (i-Medicare Advantage)
• I-Medicare Part D (ukutholakala kwezidakamizwa kadokotela)

Ngenkathi iMedicare ihlanganisa izindleko eziningi, kunezinto ezithile ezingamboziwe. Ngenxa yalokhu, mayelana nabantu abane-Medicare banolunye uhlobo lomshuwalense owengeziwe.

IMedigap ngumshuwalense wokungezelela ongafaka ezinye izinto uMedireare angazenzi. Mayelana nabantu ababhalise ezingxenyeni zeMedicare A no-B nabo babhaliswe kunqubomgomo yeMedigap.

IMedigap inezinhlelo ezi-10 ezahlukahlukene, ngayinye inikela ngezinhlobo ezahlukahlukene zokumbozwa okungeziwe Olunye lwalezi zinhlelo yiPlan G.

Qhubeka ufunde njengoba sixoxa ngezindleko ezihambisana noHlelo G, ukuthi ungabhalisa kanjani, nokuningi.

Lubiza malini uhlelo lwe-Medicare Supplement Plan G?

Ake sihlukanise ezinye izindleko ezihambisana noHlelo G.

Izinkokhelo zanyanga zonke

Uma ubhalisa kuhlelo lweMedigap, kuzofanele ukhokhe imali ekhokhwa njalo ngenyanga. Lokhu kuzoba ngaphezu kwe-premium yakho yanyanga zonke ye-Medicare Part B.

Ngoba izinkampani zomshuwalense ezizimele zithengisa izinqubomgomo zeMedigap, ama-premium akhokhwa njalo ngenyanga azohluka ngenqubomgomo. Izinkampani zingakhetha ukusetha amaprimiyamu awo ngezindlela ezahlukahlukene. Izindlela ezintathu eziyinhloko abasetha ngazo amaphrimiyamu yilezi:

• Umphakathi ulinganisiwe. Wonke umuntu onepholisi ukhokha imali efanayo yenyanga, kungakhathalekile ukuthi umdala kangakanani.
• Kukalwe iminyaka yobudala. Amaphrimiyamu enyanga yonke asethwe ngokuya ngokuthi uneminyaka emingaki lapho uthenga inqubomgomo yakho. Abantu abathenga besebancane bazoba namaphrimiyamu aphansi nyangazonke.
• Kukalwe iminyaka yobudala. Amaphrimiyamu enyanga yonke asethwe ngokususelwa eminyakeni yakho yamanje. Ngenxa yalokhu, amaphrimiyamu akho azokwenyuka njengoba ukhula.

Okudonswayo

Ngenkathi iPlani G ihlanganisa iMedicare Part A ebanjwayo, ayihlanganisi iMedicare Part B ebanjwayo.

Izinqubomgomo ze-Medigap ngokuvamile azinadonsi yazo. Lokhu kungahluka kuHlelo G. Ngaphezu kwePulani G ejwayelekile (ngaphandle kokudonswa), inketho ebanjwayo ephezulu iyatholakala.

Uhlelo oludonswa ngemali ephezulu luvame ukuba namaprimiyamu aphansi ngenyanga. Kodwa-ke, kuzofanele ukhokhe imali ekhishwayo engu- $ 2,370 ngaphambi kokuthi inqubomgomo yakho iqale ukukhokhela izinzuzo. Kukhona futhi imali ekhishwayo eyengeziwe yonyaka yezinsizakalo eziphuthumayo ezisetshenziswa phakathi nohambo lwangaphandle.

Ama-Copays kanye ne-coinsurance

I-Plan G ihlanganisa ama-copays nokuqinisekiswa kwemali okuhlobene nezingxenye ze-Medicare A kanye no-B. Uma unenqubomgomo ye-Plan G, ngeke ube nesibopho salezi zindleko.

Izindleko eziphuma ephaketheni

Kukhona ezinye izinto iMedigap engazifihli, yize lokhu kungahluka ngenqubomgomo. Lapho insizakalo ingamboziwe, kuzodingeka ukhokhe izindleko ngaphandle kwephaketheni.

Ezinye izibonelo zamasevisi ngokuvamile angahlanganiswa kuzinqubomgomo ze-Medigap yilezi:

• ukunakekelwa kwesikhathi eside
• amazinyo
• umbono, kufaka phakathi izibuko zamehlo
• izinsiza-kuzwa
• ukunakekelwa kwangasese

Ngokungafani nezinye izinhlelo zeMedigap, uHlelo G alunamkhawulo ophuma ephaketheni.

Ake sibheke izibonelo ezintathu zamadolobha ukuhlola izindleko zePlan G ngo-2021:

Ngabe i-Medicare Supplement Plan G imbozani?

IMedigap Plan G uhlelo oluhlanganisa konke. Ifaka amaphesenti ayi-100 ezindleko ezilandelayo:

• Ingxenye yeMedicare A idonswa
• Ingxenye ye-Medicare Part A coinsurance
• Izindleko zesibhedlela iMedicare Part A
• I-Medicare Part A i-hospice noma i-copay
• indawo yokuhlengikaza enekhono
• igazi (amaphayinti amathathu okuqala)
• I-Medicare Part B coinsurance noma i-copay
• izindleko ezeqile ezihambisana neMedicare Part B

Ngokwengeziwe, i-Plan G ihlanganisa amaphesenti angama-80 ezinsizakalo zezempilo ezinikezwe ngesikhathi sokuvakasha kwangaphandle.

Izinhlelo zeMedigap ziqinisiwe, okusho ukuthi inkampani ngayinye kufanele inikeze ukumbozwa okuyisisekelo okufanayo. Uma uthenga inqubomgomo ye-Plan G, kufanele uthole zonke izinzuzo ezibalwe ngaphezulu ngaphandle kwenkampani oyithenga kuyo.

Ngabe uhlelo lweMedicare Supplement Plan G luyindlela enhle uma ungakwazi ukuthola iPlan F?

I-Plan F iyona ebandakanya kakhulu ezinhlelweni ezahlukahlukene zeMedigap. Kodwa-ke, ngubani ongabhalisa ushintshile ekuqaleni kuka-2020.

Lezi zinguquko zingenxa yokuthi izinhlelo zeMedigap ezithengiselwe labo abasha kwiMedicare azisakwazi ukumboza imali ekhishwe eMedicare Part B, efakwe kuHlelo F.

Labo asebavele bane-Plan F noma bebebasha ku-Medicare ngaphambi kukaJanuwari 1, 2020 basengaba nenqubomgomo ye-Plan F.

I-Plan G ingaba yindlela enhle uma umusha kwi-Medicare futhi ungakwazi ukubhalisa ku-Plan F. Umehluko kuphela ekusetshenzisweni phakathi kwalokhu ukuthi i-Plan G ayihlanganisi ukukhishwa kwe-Medicare Part B.

Ngubani ongabhalisa ku-Medicare Supplement Plan G?

Ungaqala ukuthenga inqubomgomo yeMedigap ngesikhathi sokubhaliswa okuvulekile kweMedigap. Lesi yisikhathi sezinyanga eziyisithupha esiqala inyanga uneminyaka yobudala engama-65 noma ngaphezulu futhi ubhalise kwi-Medicare Part B.

Eminye imihlahlandlela yokubhalisa ehlotshaniswa neMedigap ifaka phakathi:

• Izinqubomgomo ze-Medigap zimboza umuntu oyedwa kuphela, ngakho-ke oshade naye uzodinga ukuthenga inqubomgomo yakhe.
• Umthetho we-Federal awudingi ukuthi izinkampani zithengise izinqubomgomo ze-Medigap kulabo abangaphansi kweminyaka engama-65. Uma ungaphansi kweminyaka engama-65 ubudala futhi ufanelekile ukuthola i-Medicare, ungahle ungakwazi ukuthenga inqubomgomo yeMedigap oyifunayo.
• Awukwazi ukuba nenqubomgomo yeMedigap kanye nenqubomgomo ye-Medicare Part C (Medicare Advantage). Uma ufuna ukuthenga inqubomgomo yeMedigap, kuzofanele ubuyele ku-Medicare yoqobo (izingxenye A no-B).
• Izinqubomgomo zeMedigap azikwazi ukumboza imishanguzo kadokotela. Uma ungathanda ukutholakala kwezidakamizwa kadokotela, kuzodingeka ubhalise ohlelweni lweMedicare Part D.

Izinqubomgomo zeMedigap ziqinisekisiwe ukuthi ziyavuseleleka, noma ngabe unezinkinga zezempilo noma cha. Lokhu kusho ukuthi inqubomgomo yakho ayikwazi ukukhanselwa uma nje uqhubeka nokubhaliswa futhi ukhokha ama-premium akho.

Ungaluthenga kuphi uhlelo lwe-Medicare Supplement Plan G?

Izinkampani zomshuwalense ezizimele zithengisa izinqubomgomo zeMedigap. Ungasebenzisa ithuluzi lokusesha le-Medicare ukuthola ukuthi yimaphi amapulani ahlinzekwa endaweni yakho.

Uzodinga ukufaka ikhodi yakho ye-ZIP bese ukhetha isifunda sakho ukuze ubone izinhlelo ezitholakalayo. Uhlelo ngalunye luzofakwa kuhlu ngebanga le-premium yanyanga zonke, ezinye izindleko ezingaba khona, nokuthi yini futhi engamboziwe.

Ungabheka nezinkampani ezinikezela ngohlelo ngalunye nokuthi zibeka kanjani amaprimiyamu azo zanyanga zonke. Ngoba izindleko zenqubomgomo yeMedigap zingahluka ngokwenkampani, kubaluleke kakhulu ukuqhathanisa izinqubomgomo ezimbalwa zeMedigap ngaphambi kokukhetha eyodwa.

Ungalutholaphi usizo ekukhetheni uhlelo lweMedigap

Ungasebenzisa izinsizakusebenza ezilandelayo ukukusiza ukhethe uhlelo lweMedigap:

• Ithuluzi lokusesha eliku-inthanethi. Qhathanisa izinhlelo zeMedigap usebenzisa ithuluzi lokusesha likaMedare.
• Shayela i-Medicare ngqo. Shayela u-800-633-4227 nganoma yimiphi imibuzo noma ukukhathazeka okuhlobene neMedicare noma iMedigap.
• Xhumana nomnyango wakho womshuwalense wombuso. Iminyango yomshuwalense wombuso ingakusiza ukukunikeza imininingwane ngezinhlelo zeMedigap esifundazweni sakho.
• Xhumana noHlelo Lwe-State Health Assistance Program (SHIP) yakho. Imikhumbi isiza ukuhlinzeka ngolwazi nezeluleko kulabo ababhalisayo noma abenza ushintsho ekusetshenzisweni kwabo.

Ukuthatha

• IMedigap Plan G iyi-insiza yomshuwalense yokwengeza ye-Medicare. Ibandakanya izindleko ezahlukahlukene ezingakhokhelwa izingxenye ze-Medicare A no-B, ezinjenge-coinsurance, ama-copay, namanye ama-deductibles.
• Uma uthenga inqubomgomo ye-Plan G, uzokhokha imali ekhokhwa njalo ngenyanga, engahluka ngokwenkampani ehlinzeka inqubomgomo. Lokhu kungezwe kwi-premium yakho yanyanga zonke ye-Medicare Part B.
• Ezinye izindleko zifaka i-Medicare Part B ebanjwayo kanye nezinzuzo ezingakhokhelwa yi-Medigap, njengamazinyo nokubona. Uma une-Plan G ebanjwayo ephezulu, kuzodingeka ukhokhe imali ekhishwayo ngaphambi kokuthi inqubomgomo yakho iqale ukukhokhela izindleko.
• I-Plan G ingaba yindlela enhle uma ungavunyelwe ukuthenga iPlan F. Umehluko kuphela phakathi kwalezi zinhlelo ezimbili ukuthi uHlelo G aluyibandakanyi imali ekhishwayo yeMedicare Part B.

Funda le ndatshana ngeSpanishi

Lo mbhalo uvuselelwe ngoNovemba 16, 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.