Okufanele Ukwazi Nge-Medicare Supplement Plan K Coverage

-Delile

• Ngabe i-Medicare Supplement Plan K imbozani?
• Kungani uthenga i-Medicare Supplement Plan K?
• Usebenza kanjani umkhawulo waminyaka yonke ophuma ephaketheni?
• Okungahlanganiswa yiMedicare Supplement Plan K
• Ukuthatha

I-Medicare Supplement Plan K ingenye yezinhlelo eziyi-10 ezihlukene zeMedigap futhi ingenye yezinhlelo ezimbili zeMedigap ezinomkhawulo waminyaka yonke ophuma ephaketheni.

Izinhlelo zeMedigap zinikezwa ezifundazweni eziningi ukusiza ukukhokhela ezinye zezindleko zokunakekelwa kwezempilo ezingakhokhelwa yiMedicare yangempela (Ingxenye A noNgxenye B). Uma uhlala eMassachusetts, Minnesota, noma eWisconsin, izinqubomgomo zeMedigap zinamagama ezinhlamvu ezihlukile.

Ukuze ufanelekele noma yiluphi uhlelo lweMedigap, kufanele ubhalise kwiMedicare yangempela.

Ake sithole ukuthi i-Medicare Supplement Plan K ihlanganisa ini, ayihlanganisi, nokuthi kungenzeka yini ukuthi ikulungele kahle.

Ngabe i-Medicare Supplement Plan K imbozani?

Uhlelo lwe-Medicare Supplement Plan K lubandakanya ukumbozwa okulandelayo kwe-Medicare Part A (umshuwalense wesibhedlela) kanye nezindleko ze-Medicare Part B (imishwalense yezokwelapha ezingalalisiwe), kanye nokunye okwengeziwe.

Nakhu ukwehlukaniswa kwezindleko iMedigap Plan K ezokhokha:

• Ingxenye A yokuqinisekisa imali kanye nezindleko zesibhedlela kuze kufike ezinsukwini ezingama-365 ezengeziwe ngemuva kokuthi izinzuzo zeMedicare seziphelile: 100%
• Ingxenye A ebanjwayo: 50%
• Ingxenye A ukunakekelwa kwe-hospice noma i-copayment: 50%
• igazi (amaphepha amathathu okuqala): 50%
• ukunakekelwa kwesikhungo sokunakekelwa kwabahlengikazi abanamakhono: 50%
• Ingxenye B yokubambezeleka noma ama-copayments: 50%
• Ingxenye B iyadonswa: ayimboziwe
• Izindleko ezeqile kwengxenye B: ayimboziwe
• ukushintshaniswa kohambo lwangaphandle: ayimboziwe
• umkhawulo ophuma ephaketheni:

  Kungani uthenga i-Medicare Supplement Plan K?

  Esinye sezici ezenza iMedicare Supplement Plan K yehluke kwezinye izinketho eziningi zeMedigap ngumkhawulo ophuma ephaketheni waminyaka yonke.

  
  

  Nge-Medicare yasekuqaleni, ayikho imali ekhokhelwa izindleko zakho zonyaka zokuphuma ephaketheni. Ukuthenga i-Medicare Supplement Plan K kunciphisa inani lemali ozoyisebenzisa ekunakekelweni kwezempilo phakathi nonyaka. Lokhu kuvame ukubaluleka kubantu:

  • banezindleko eziphezulu zokunakekelwa kwezempilo okuqhubekayo, imvamisa ngenxa yesimo sempilo esingapheli
  • bafuna ukugwema umthelela wezezimali uma kwenzeka kuba nezimo eziphuthumayo ezingabizi kakhulu ezingalindelekile zezokwelapha

  Usebenza kanjani umkhawulo waminyaka yonke ophuma ephaketheni?

  Uma usuhlangane ne-Part B yakho ekhishwa minyaka yonke kanye nemikhawulo yakho yonyaka ephuma ngaphandle ephaketheni, u-100% wazo zonke izinsizakalo ezihlanganisiwe unyaka wonke zikhokhelwa ngohlelo lwakho lweMedigap.

  Lokhu kusho ukuthi akufanele ube nezinye izindleko zezokwelapha ezingaphandle kwesikhwama zonyaka, uma nje izinsizakalo zimbozwe yi-Medicare.

  Olunye uhlelo lweMedigap olufaka umkhawulo waminyaka yonke ophuma ephaketheni yiMedicare Supplement Plan L. Nayi inani lemikhawulo yokuphuma ephaketheni lazo zombili izinhlelo ngo-2021:

  • Uhlelo lwe-Medicare Supplement K: $6,220
  • Uhlelo Lwe-Medicare Supplement L: $3,110
  

  Okungahlanganiswa yiMedicare Supplement Plan K

  Njengoba kushiwo ngaphambili, i-Plan K ayihlanganisi imali ekhishwayo engxenyeni B, izindleko ze-Part B ezingaphezulu, noma izinsizakalo zokunakekelwa kwezempilo kwamanye amazwe.

  
  

  Izinqubomgomo ze-Medigap nazo ngokuvamile azihlanganisi izinsizakalo zombono, zamazinyo, noma zokuzwa. Uma ufuna lolu hlobo lokumbozwa, cabanga ngohlelo lweMedicare Advantage (Ingxenye C).

  Ngokwengeziwe, izinhlelo zokwengeza zeMedicare azihlanganisi imishanguzo yokuhlinzeka ngemithi yokuthengisa ngaphandle. Ukutholakala kwemithi kadokotela ongaphandle, uzodinga uhlelo oluhlukile lwe-Medicare Part D noma uhlelo lwe-Medicare Advantage nalokhu kufakwa kufakiwe.

  Ukuthatha

  I-Medicare Supplement Plan K ukumbozwa ingenye yezinhlelo eziyi-10 ezahlukahlukene zeMedigap zokukhokhela ezinye zezindleko zokunakekelwa kwezempilo ezisele kusuka ekusetshenzisweni kwasekuqaleni kweMedare.

  Ngokuhambisana ne-Medicare Supplement Plan L, kungenye yezinhlelo ezimbili zeMedigap ezifaka isicoco sokuthi uzosebenzisa malini ekwelashweni okugunyazwe yi-Medicare.

  Uhlelo lwe-Medicare Supplement K alubandakanyi ukufakwa kwe:

  • imishanguzo kadokotela
  • amazinyo
  • umbono
  • ukuzwa

  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.