Uhlelo lwe-Medicare Supplement K: Ukuqonda Izindleko

-Delile

• Lubiza malini uhlelo lwe-Medicare Supplement Plan K?
• Ngabe i-Medicare Supplement Plan K imbozani?
• Ngubani ongabhalisa ku-Medicare Supplement Plan K?
• Ulithenga kanjani uhlelo lwe-Medicare Supplement Plan K?
• Ukuthatha

• I-Medicare Supplement (iMedigap)Uhlelo lwe-K lusiza ukumboza ezinye zezindleko zakho zomshuwalense wezempilo.
• Umthetho we-Federal uqinisekisa ukuthi noma ngabe ulithenga kuphi iMedigap Plan K, izofaka ukumbozwa okuyisisekelo okufanayo.
• Izindleko zeMedigap Plan K zingahluka ngokuya ngokuthi uhlala kuphi, lapho ubhalisa, nempilo yakho.

I-Medicare Supplement Plan K yenzelwe ukusiza ngezinye zezindleko ezingaphandle kwezikhwama eziza nokutholakala kwendabuko kwe-Medicare.

“Uhlelo” lweMedicare lwehlukile “ezingxenyeni” zeMedicare - izingxenye ziyizinsizakalo zakho ezihlanganisiwe ezenziwa nguhulumeni futhi izinhlelo zingumshwalense wokuzithandela ongawuthengisa othengiswa izinkampani ezizimele.

Eyaziwa nangokuthi iMedigap, izinhlelo zokwengeza zeMedicare zihluka ekubambeni nasezindlekweni zazo. Lo mbhalo uzobheka ngokujulile izindleko ezihlotshaniswa ne-Medicare Supplement Plan K.

Lubiza malini uhlelo lwe-Medicare Supplement Plan K?

Izikhungo zeMedicare & Medicaid Services (CMS) zidinga ukuthi izinkampani zomshuwalense zinikeze ngezinhlelo ezijwayelekile zeMedigap. Lokhu kusho ukuthi uHlelo K lunikeza ukumbozwa okufanayo eTennessee njengoba kwenza eCalifornia.

Kodwa-ke, lezi zinhlelo azilinganiswa ngokwezindleko. Izinkampani zomshuwalense zingakhokhisa amanani ahlukile ngezinhlelo zeMedigap.

Izinkampani zivame ukwenza amanani wezinhlelo zeMedigap zisebenzisa eyodwa yamamodeli entengo amathathu:

• Kukalwe iminyaka yobudala. Ababhalisile bakhokha i-premium ekhuphuka ngokuya ngeminyaka yabo. Lezi zinqubomgomo zivame ukubiza kakhulu ekuqaleni uma umuntu ezithenga esemncane lapho engena khona kwi-Medicare, khona-ke zingabiza kakhulu njengoba umuntu ekhula.
• Kukalwe umphakathi. Izinkampani zomshuwalense azisekeli lezi zinhlelo eminyakeni yomuntu. Iphrimiyamu ingakhuphuka ngokuhamba kwesikhathi, okuhlobene nokwehla kwamandla emali, noma kunjalo.
• Kukalwe iminyaka yobudala. Eyaziwa nangokuthi izinhlelo ezilinganiselwe zeminyaka yokungena, amanani entengo ohlelo ahlobene neminyaka umuntu ayenayo ngenkathi ethenga inqubomgomo. Inkampani yomshwalense ingakhuphula iphrimiyamu yenqubomgomo ngokususelwa ekwehleni kwamandla emali, kepha hhayi ngeminyaka ekhulayo yomuntu.

Kubalulekile ukubuza ukuthi inkampani iwabiza kanjani amasu ayo, ngoba lokhu kuzokusiza ukulinganisa izindleko zohlelo lwakho njengoba ukhula. Ezinye izinhlelo zinikela ngezaphulelo, njengokungabhemi, ukukhokha nge-othomathikhi ebhange, noma ngokuba nezinqubomgomo eziningi nenkampani.

Izindleko ze-Medicare Supplement Plan K ziyahlukahluka ngezwe nangezinkampani zomshuwalense. Ungafaka ikhodi yakho ye-ZIP kusitholi sohlelo seMedigap sikaMedigap ukuze uthole izindleko ezilinganisiwe zezinhlelo zangakini.

Bheka amanye amabanga entengo weMedigap Plan K emadolobheni ambalwa ngaphesheya kwe-United States ngo-2021:

Njengoba ukwazi ukubona, izindleko ezijwayelekile zingahluka kakhulu ngokuya ngokuthi uhlala kuphi. Lezi zigaba zimelela nezinhlobonhlobo zamanani asuselwa eminyakeni yakho yobulili, uma uthenga uhlelo, ukusetshenziswa kukagwayi, nezinye izinto zezempilo.

Ngabe i-Medicare Supplement Plan K imbozani?

I-Medicare idinga ukuthi izinhlelo zeMedigap zibekwe emgangathweni. Lokhu kusho ukuthi bahlanganisa izici ezifanayo ezweni lonke. Izibonelo zalokho okuhlanganiswa yiPulani K zifaka:

• Ingxenye A yokuqinisekisa imali kanye nezindleko zesibhedlela kuze kube yizinsuku ezingama-365 ngemuva kokuthi umuntu asebenzise izinzuzo zakhe zeMedicare
• Amaphesenti angama-50 engxenye ekhishwayo
• Amaphesenti angama-50 wezindleko zamaphayinti okuqala amathathu egazi lomuntu
• Amaphesenti angama-50 engxenye yokunakekelwa kwe-hospice noma i-copayments
• Amaphesenti angama-50 e-coinsurance yokunakekelwa kwendawo yokunakekela abanamakhono
• Amaphesenti angama-50 we-Part B yomuntu wokuqinisekisa noma ama-copayments

Uhlelo lwe-K alukhokhi ezinye izici ezinye izinqubomgomo zeMedigap ezingazenza. Izibonelo zifaka i-Part B ekhishwayo, izindleko ze-Part B ezeqile, nokushintshaniswa kohambo lwangaphandle.

Umkhawulo ophuma ephaketheni we-Medicare Plan K ngu- $ 6,220 ngo-2021. Lokhu kusho ukuthi uma usukhokhe ingxenye yakho Yonyaka ngayinye ebanjwayo futhi uhlangabezana nomkhawulo we-Plan K waminyaka yonke, inqubomgomo yeMedigap izokhokha amaphesenti ayi-100 ezinsizakalo ezivunyelwe yi-Medicare esele zonyaka wekhalenda.

Ngubani ongabhalisa ku-Medicare Supplement Plan K?

Kufanele ube neMedicare yangempela ukuze uthenge uhlelo lokwengeza lweMedicare. Izinkampani zomshuwalense azikwazi ukunikela ngezinhlelo zokwengeza ze-Medicare kulabo abane-Medicare Advantage.

Uma une-Medicare Part A yasekuqaleni kanye ne-Medicare Part B, ungabhalisa kuhlelo lweMedigap. Ngaphezu kweprimiyamu oyikhokhela ingxenye B, uzokhokha imali ekhokhwa nyangazonke yeMedigap. Awukwazi ukwabelana ngenqubomgomo nomlingani wakho - kumele ngamunye abe nenqubomgomo yakhe.

Isikhathi esikahle sokufaka isicelo seMedigap Plan K singesikhathi sokubhaliswa kwakho kwe-Mediap kokuqala. Leli windi liqala ngosuku lokuqala ukumbozwa kweNgxenye B yakho kusebenza futhi kuhlala isikhathi esiyizinyanga eziyi-6.

Ngesikhathi sakho sokubhalisa sokuqala seMedigap, izinkampani zomshuwalense azikwazi ukubeka izindleko zakho ezimweni esezikhona futhi inkampani ayikwazi ukwenqaba ukukunikeza inqubomgomo. Ngaphandle kwalokho, ungathenga inqubomgomo nganoma yisiphi isikhathi, kepha inkampani yomshuwalense ingadinga ukuhlolwa kwezokwelapha kuqala futhi bangenqaba ukukumboza.

Ngemuva kwaleli windi, kungahle kube nezikhathi lapho unamalungelo "okuqinisekisa okukhishiwe" okuthenga inqubomgomo. Lokhu kungafaka uma ulahlekelwe ukumbozwa ohlelweni lwakho lwezempilo lwangaphambilini. Kodwa-ke, ngalesi sikhathi, kungadingeka ukuthi uphendule imibuzo ngomlando wakho wezempilo ongakhuphula izindleko zohlelo.

Ulithenga kanjani uhlelo lwe-Medicare Supplement Plan K?

I-Medicare ayidingi izinkampani zomshuwalense ukuthi zinikeze zonke izinhlelo. Uma inkampani yomshuwalense ikhetha ukuthengisa izinqubomgomo zeMedigap, kufanele inikeze okungenani uHlelo A.

Uma ufisa ukuthenga uhlelo lweMedigap, unezinketho eziningi:

• Vakashela i-Medicare.gov futhi useshe izinhlelo ezitholakalayo ze-Medigap esifundazweni sakho noma ngekhodi ye-ZIP.
• Shayela uhlelo lwakho lwe-State Health Insurance Assistance. Eyaziwa nangokuthi UMKhumbi, le ejensi isiza abantu ngokwelulekwa ngezinhlelo ezitholakalayo endaweni yangakini.
• Shayela noma vakashela umenzeli womshuwalense onenkampani yomshuwalense ongathanda ukuba nesilinganiso esivela kunqubomgomo yeMedigap.

Uma kukhulunywa ngezinqubomgomo zeMedigap, kuyakhokhela ukuthenga nxazonke. Ngoba ukumbozwa kuyafana, ukuzama ukuthola inqubomgomo yezindleko eziphansi kungasiza.

Khumbula ukubuza ukuthi inkampani yomshwalense iyibiza kanjani inqubomgomo. Uma inqubomgomo isuselwa eminyakeni, ungadinga ukuthi ubheke ukuthi izindleko zakho zingashintsha kanjani njengoba ukhula.

Ukuthatha

I-Medicare Plan K iyindlela eyodwa yokwengeza uhlelo lwe-Medicare. Izindleko zingahluka ngokuya ngendawo, lapho ubhalisa, ukuthi inkampani yomshuwalense ibiza kanjani izinqubomgomo zayo, nokuningi.

Uma unentshisekelo kuMedigap Plan K, kuyakhokhela ukuthenga ku-inthanethi, ngocingo, noma mathupha.

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.