Yikuphi Ukutholwa Okuthola Nge-Medicare Supplement Plan M?

-Delile

• Yini ehlanganisiwe ngaphansi kohlelo lwe-Medicare Supplement Plan M?
• Yini engamboziwe ngaphansi kohlelo lwe-Medicare Supplement Plan M?
• Imithi kadokotela
• Izinzuzo ezingeziwe
• Isebenza kanjani i-Medicare supplement coverage?
• Ukukhetha
• Ukumiswa
• Ukufaneleka
• Ukuhlanganisa owakwakho
• Inkokhelo
• Ukuthatha

I-Medicare Supplement (Medigap) Plan M yathuthukiswa ukunikela nge-premium ephansi yanyanga zonke, okuyinani olikhokhela uhlelo. Ngokushintshanisa, kuzodingeka ukhokhe uhhafu wesibhedlela sakho seDepho A ebanjwayo.

IMedigap Plan M ingenye yeminikelo eyenziwe yiMedicare Modernisation Act, eyasayinwa yaba ngumthetho ngonyaka we-2003. IPlan M yakhelwe abantu abakhululekile ngokwabelana ngezindleko futhi abangalindeli ukuvakashelwa njalo ezibhedlela.

Funda ukuze ufunde ukuthi yini okuhlanganisiwe nokungamboziwe ngaphansi kohlelo lweMedicare Supplement Plan M.

Yini ehlanganisiwe ngaphansi kohlelo lwe-Medicare Supplement Plan M?

Uhlelo lweMedicare Supplement Plan M lubandakanya okulandelayo:

* Kubalulekile ukwazi ukuthi ngenkathi uPlan N ekhokha u-100% weNgxenye B yakho yesiqinisekiso, uzoba ne-copay efinyelela ku- $ 20 yokuvakasha kwamanye amahhovisi kuze kufike ku- $ 50 ikhokhelwa ukuvakashelwa kwamagumbi okuphuthumayo okungabangeli ukwamukelwa kweziguli.

Yini engamboziwe ngaphansi kohlelo lwe-Medicare Supplement Plan M?

Izinzuzo ezilandelayo yilezi ayimboziwe ngaphansi kwePulani M:

• Ingxenye B iyadonswa
• Ingxenye B ishaja ngokweqile

Uma udokotela wakho ekhokhisa imali ngaphezu kwezinga elibekiwe le-Medicare, lokhu kubizwa ngokuthi yi-Part B eyeqile. Nge-Medigap Plan M, unesibopho sokukhokha lezi zinkokhelo ezingaphezulu kuka-Part B.

Ngaphezu kwalokhu okuhlukile, kunezinye izinto ezimbalwa ezingamboziwe yiluphi uhlelo lweMedigap. Sizokuchaza okulandelayo.

Imithi kadokotela

I-Medigap ayivunyelwe ngokomthetho ukuthi inikeze ukumbozwa kwezidakamizwa eziguliswa ngaphandle.

Lapho usuthole iMedicare yangempela (Ingxenye A noNgxenye B), ungathenga iMedicare Part D enkampanini yomshuwalense yangasese. Ingxenye D iyisengezo ku-Medicare yoqobo enikezela ngemithi kadokotela.

Izinzuzo ezingeziwe

Izinhlelo zeMedigap futhi azikumbozi ukunakekelwa kombono, kwamazinyo, noma kokuzwa. Uma lokho kufakwa kubalulekile kuwe, ungahle uthande ukubheka i-Medicare Advantage (Ingxenye C), njengoba lezi zinhlelo zivame ukufaka lezo zinzuzo.

Njenge-Medicare Part D, uthenga uhlelo lwe-Medicare Advantage enkampanini yomshuwalense yangasese.

Kubalulekile ukwazi ukuthi awukwazi ukuba nakho kokubili uhlelo lweMedigap kanye necebo leMedicare Advantage ngasikhathi sinye. Ungakhetha eyodwa noma enye kuphela.

Isebenza kanjani i-Medicare supplement coverage?

Izinqubomgomo zeMedigap amacebo afanayo atholakala ezinkampanini zomshuwalense wangasese. Basiza ukumboza izindleko ezisele kwiMedicare Part A (umshuwalense wesibhedlela) kanye nengxenye B (umshuwalense wezokwelapha).

Ukukhetha

Ezifundazweni eziningi, ungakhetha phakathi kwezinhlelo eziyi-10 ezahlukahlukene zeMedigap (A, B, C, D, F, G, K, L, M, and N). Uhlelo ngalunye lune-premium ehlukile futhi lubonisa izinketho ezahlukahlukene zokumboza. Lokhu kukunikeza ukuguquguquka kokukhetha ukumbozwa kwakho ngokususelwa kubhajethi yakho kanye nezidingo zakho zokunakekelwa kwezempilo.

Ukumiswa

Uma uhlala eMassachusetts, Minnesota, noma eWisconsin, izinqubomgomo zeMedigap - kufaka phakathi ukumbozwa okuhlinzekwa ngeMedigap Plan M - zimiswe ngendlela ehlukile kunezinye izifundazwe futhi zingaba namagama ahlukile.

Ukufaneleka

Kufanele uqale ubhalise kwi-Medicare yasekuqaleni ukuze ufanelekele iMedicare Plan M noma olunye uhlelo lweMedigap.

Ukuhlanganisa owakwakho

Izinhlelo zeMedigap zimboza umuntu oyedwa kuphela. Uma wena noshade naye nobabili nibhalise kwi-Medicare yangempela, ngamunye uzodinga inqubomgomo yakhe yeMedigap.

Kulokhu, wena noshade naye ningakhetha izinhlelo ezahlukahlukene. Isibonelo, ungahle ube neMedigap Plan M futhi oshade naye angahle abe neMedigap Plan C.

Inkokhelo

Ngemuva kokuthola ukwelashwa okuvunyelwe yi-Medicare ngenani eligunyazwe yi-Medicare:

1. I-Medicare Part A noma i-B izokhokha isabelo sayo sezindleko.
2. Inqubomgomo yakho yeMedigap izokhokha isabelo sayo sezindleko.
3. Uzokhokha isabelo sakho, uma sikhona.

Isibonelo, uma uvakashelwa iziguli zakho ngokulandela iziguli iziguli emva kwenqubo ethile futhi une-Medicare Supplement Plan M, uzokhokhela lokho kuvakashelwa uze ukhokhe imali yakho yokuphulukiswa kweziguli yonyaka ye-Medicare Part B.

Ngemuva kokuthi uhlangane nokudonswayo, iMedicare ikhokha amaphesenti angama-80 wokunakekelwa kwakho kweziguli. Ngemuva kwalokho, i-Medicare Supplement Plan M ikhokhela amanye amaphesenti angama-20.

Uma udokotela wakho ohlinzayo engawamukeli amanani awabelwe we-Medicare, kuzofanele ukhokhe imali eyeqile, eyaziwa ngokuthi yi-Part B excess.

Ungahlola udokotela wakho ngaphambi kokuthola ukunakekelwa. Ngokomthetho, udokotela wakho akavunyelwe ukukhokhisa ngaphezu kwamaphesenti ayi-15 ngaphezu kwenani eligunyazwe yi-Medicare.

Ukuthatha

I-Medicare Plan M ingakusiza ukuthi ukhokhele izindleko zokwelashwa ezingafakwanga ngaphansi kwe-Medicare yasekuqaleni (izingxenye A no-B). Njengazo zonke izinhlelo zeMedigap, iMedicare Supplement Plan M ayihlanganisi imishanguzo kadokotela noma izinzuzo ezengeziwe, ezinjengamazinyo, ukubona, noma 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.