Ngabe uhlelo lwe-Medicare Supplement Plan N luhlelo lweMedigap Lakho?

-Delile

• Luyini uhlelo lwe-Medicare Supplement Plan N?
• Ngabe ikhava yeN Medicare supplement (Medigap) Plan N?
• Izinzuzo zeMedigap Plan N
• Okubi kwe-Medigap Plan N
• Ngabe ngifanelekile kuMedigap Plan N?
• Lubiza malini uhlelo lwe-Medicare Supplement Plan N?
• Ukuthatha

Uma ufanelekile ukuthola i-Medicare, uhlelo lwe-Medicare supplement noma i- "Medigap" lunikeza ukumbozwa komshuwalense wokuzithandela ongakukhetha. IMedigap Plan N “iyicebo” hhayi “ingxenye” yeMedicare, efana neNgxenye A neNgxenye B, ehlanganisa izidingo zakho eziyisisekelo zezokwelapha.

Uhlelo lwe-Medicare Supplement Plan N luhlobo olulodwa lwenqubomgomo yomshwalense ongayithenga ukusiza ukwehlisa izindleko zakho zokunakekelwa kwezempilo ezingaphandle. Lezi zinhlelo zingakhokha izindleko ezifana nama-premium, ama-copay, kanye nezimali ezidonswayo.

Ukukhetha uhlelo lweMedigap kungadideka ngoba izinhlelo ezahlukahlukene zinikela ngamazinga ahlukahlukene okuhlanganisa nezinzuzo. Ukuqonda lezi zinzuzo kungakusiza ukhethe uhlelo lweMedigap olulungele wena.

Luyini uhlelo lwe-Medicare Supplement Plan N?

Njengezinye izinhlelo eziyisishiyagalolunye zeMedigap, uHlelo N luhlobo olulawulwa ngasese lomshuwalense wokwengeza we-Medicare. Yenzelwe ukukusiza ukuthi ubhekane nezindleko ezithile eziphuma ephaketheni zokunakekelwa kwakho kwezempilo i-Medicare Part A ne-Medicare Part B ezingazimbozi.

I-Plan N ihlanganisa izinto ezifana ne-Medicare Part A coinsurance, inani okufanele ulikhokhele ephaketheni lezinsizakalo nokunakekelwa esibhedlela, kanye ne-Medicare Part B coinsurance yokunakekelwa kweziguli. Uma uchitha imali eningi unyaka nonyaka ku-coinsurance nakuma-copay, i-Medicare Supplement Plan N ingazikhokhela yona ngokushesha okukhulu.

Izinqubomgomo zeMedigap Plan N zidingeka ngokomthetho ukuthi zenziwe zifane. Lokho kusho ukuthi noma ngabe uthenge yiphi inkampani iMedicare supplement Plan N kusuka, kufanele inikeze ukumbozwa okuyisisekelo okufanayo.

Akuwona wonke amacebo e-Medigap atholakala kuzo zonke izindawo. I-Plan N akudingeki ithengiswe kuzo zonke izifundazwe, futhi izinkampani zomshuwalense ezithengisa izinqubomgomo zokwengeza ze-Medicare zingakhetha ukuthi zizothengisa kuphi izinqubomgomo zazo ze-Plan N.

Uma uhlala eMassachusetts, Minnesota, noma eWisconsin, ukubekwa kwamazinga wezinhlelo zeMedigap kungahluka.

Ngabe ikhava yeN Medicare supplement (Medigap) Plan N?

I-Medigap ihlanganisa kuphela izinsizakalo ezivunyelwe yi-Medicare. Ngakho-ke, ngeke ihlanganise izinto ezinjengokunakekelwa kwesikhathi eside, ukubona, amazinyo, izinsiza-kuzwa, izibuko zamehlo, noma ubuhlengikazi obuzimele.

Isengezo seMedicare Ingxenye N sihlanganisa izindleko zalokhu okulandelayo:

• Ingxenye yeMedicare A idonswa
• I-Medicare Part A coinsurance nesibhedlela zihlala izinsuku ezingama-365
• I-Medicare Part B coinsurance yokunakekelwa kweziguli kanye nezinqubo
• I-Medicare Part B ikopisha emahhovisi abahlinzeki bezempilo
• ukumpontshelwa igazi (kufika emaphepheni amathathu okuqala)
• ukunakekelwa kwe-hospice kanye nendawo yokuhlengikisela abanamakhono
• Amaphesenti angama-80 wezindleko zokunakekelwa kwezempilo ngenkathi ehamba ngaphandle kwe-United States

I-Medicare supplement Plan N ayihlanganisi imali ebanjwayo ye-Medicare Part B. Lokhu kungenxa yokuguqulwa komthetho weMedicare ovimbela zonke izinhlelo zeMedigap ukumboza iMedicare Part B ebanjwayo.

Ngenkathi iMedigap Plan N ihlanganisa amaphesenti ayi-100 we-Plan B yakho yama-coinsurance, unesibopho sokuvakasha kukadokotela okopisha kuze kufike ku- $ 20 nokuvakashelwa kwamagumbi okuphuthumayo ama-copays angama- $ 50.

Uhlelo lwe-N luyafana nezinhlelo F no-G, kepha lungabiza kakhulu. Kwabanye abantu, i-Plan N ingaba yisixazululo esonga izindleko sokutholakala kwe-Medigap.

Izinzuzo zeMedigap Plan N

• ama-premium akhokhwa njalo ngenyanga abiza kancane kunezinhlelo ze-Medigap F no-G, ezinikeza ukumbozwa okufanayo
• imboza ngokuphelele iMedicare Part A yakho ebanjwayo
• ihlanganisa amaphesenti angama-80 wezindleko zakho uma udinga ukunakekelwa kwezempilo ngenkathi uhamba ngaphandle kwe-United States

Okubi kwe-Medigap Plan N

• ama-copay akhona ka- $ 20 kudokotela nama- $ 50 egumbini labezimo eziphuthumayo
• ayihlanganisi imali yakho ekhishwe eMedicare Part B, yize kungekho zinhlelo ezintsha zeMedigap ezenzayo
• kusengadingeka ukuthi ukhokhe “izindleko ezingaphezulu” uma umhlinzeki wakho wezokunakekelwa kwempilo ekhokhisa ngaphezu kwalokho okuzokhokhwa yi-Medicare

Ngabe ngifanelekile kuMedigap Plan N?

Uma ubhalise ezingxenyeni ze-Medicare izingxenye A no-B, ufanelekile ukuthenga i-Plan N uma itholakala esifundazweni sakho. Njengazo zonke izinhlelo zeMedigap, kufanele uhlangabezane namazinga wokubhalisa nezikhathi zokugcina.

Ungabhalisa kunoma yiluphi uhlelo lwe-Medicare supplement, kufaka phakathi i-Plan N, ngesikhathi sokuqala sokubhalisa lapho uneminyaka engama-65 ubudala. Uma uthenga iMedigap ngaleso sikhathi, umhlinzeki wakho womshuwalense akakwazi ukwenqaba ukukuthengisela inqubomgomo ngokususelwa kumlando wakho wezokwelapha.

Ngokwethiyori, ungathenga uhlelo lokwengeza lweMedicare nganoma yisiphi isikhathi. Ngemuva kokuthi isikhathi sakho sokuqala sokubhalisa siphelile, kunethuba lokuthi umhlinzeki womshuwalense anqabe ukukuthengisela uHlelo N.

Azikho izimali noma izinhlawulo ezivela kuhulumeni wesifundazwe ohlotshaniswa nezinhlelo zokwengeza ze-Medicare. Kodwa-ke, uma udokotela wakho engathathi isabelo seMedicare, ungahle ubhekane nezindleko ngaphezulu kwemali uMedare abeyokhokha ngayo, noma ngabe unenqubomgomo yeMedigap.

I-Plan N ayihlanganisi izindleko ze-Medicare Part D (izindleko zemithi kadokotela).

Ngokomthetho, awunakuthenga uhlelo lweMedigap uma uneMedicare Advantage. Kodwa-ke, kungakapheli unyaka wokuqala ubhalisela i-Medicare Advantage, ungashintsha i-Medicare Advantage uye kwi-Medicare yasekuqaleni ngohlelo lweMedigap.

Lubiza malini uhlelo lwe-Medicare Supplement Plan N?

Kukhona imali ekhokhwa njalo ngenyanga yezinhlelo zokwengeza ze-Medicare. Izindleko zakho zePlan N zingahluka ngokuya ngokuthi uhlala kuphi nenkampani yomshuwalense othenga kuyo inqubomgomo.

Ukuze uthole isilinganiso sokuthi uzokhokha malini ngePlan N endaweni yangakini, ungaya kuthuluzi lokuthola uhlelo lweMedicare bese ufaka ikhodi yakho ye-ZIP.

Ukukhetha uhlelo lweMedigap kungaba nzima ngoba ungeke uhlale ulindele ukuthi izindleko zakho zokunakekelwa kwezempilo zizoba yini ngokuzayo. Cabanga ngale mibuzo elandelayo uma ubuyekeza izinhlelo zokwengeza ze-Medicare:

• Ngabe ushaya noma weqe ngokweqile i-Medicare Part A yakho edonswayo yonyaka? Izindleko eziphelele zonyaka zamaphrimiyamu e-Plan N zingaba ngaphezulu noma ngaphansi kunaleyo odonsayo ovame ukuyikhokha.
• Uma uhlanganisa izindleko ezinjengama-copay, ukuvakashelwa kwamagumbi okuphuthumayo nokumpontshelwa igazi, uvama ukusebenzisa malini ngonyaka? Uma uhlukanisa leyo nombolo ngo-12 futhi ingaphezu kweprimiyamu yanyanga zonke yePlan N, uhlelo lokungezelela lungakongela imali.
• Ingabe njengamanje usesikhathini sokubhalisa esivulekile esenzeka lapho uneminyaka engama-65? Ukubhalisela uhlelo lweMedigap ngesikhathi sokubhaliswa okuvulekile kungaba yithuba lakho kuphela lokuthenga ukumbozwa kweMedigap lapho isimo sakho sempilo nomlando wezokwelapha ungeke usetshenziselwe ukwenqaba isicelo sakho.

Ukuthatha

I-Medicare Supplement Plan N uhlelo oludumile lweMedigap oluhlanganisa izindleko zakho eziningi ezingaphandle kwezikhwama ezivela kwaMedicare.

Njengalo lonke uhlelo lwe-Medicare supplement, iMedigap Plan N inobuhle nobubi bayo, futhi izindleko zizohluka ngokuya ngokuthi uhlala kuphi.

Uma unemibuzo mayelana nezinketho zakho noma ufuna ukufunda kabanzi, ungashayela inombolo yamahhala yamahhala ye-Medicare ku-800-MEDICARE (633-4227) noma uthinte ihhovisi LAKHO LOMKhumbi.

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.