Konke Mayelana ne-Medicare Supplement Plan N Coverage

-Delile

• Imininingwane yohlelo lwe-Medicare Supplement Plan N
• Yini engamboziwe ngaphansi kohlelo lwe-Medicare Supplement Plan N?
• Kusebenza kanjani ukufakwa kweMedigap?
• Ukukhetha
• Ukumiswa
• Inkokhelo
• Ukufaneleka
• Ukuhlanganiswa komlingani
• Ukuthola inqubomgomo yeMedigap
• Ukudla okudlela endlini

I-Medicare Supplement Plan N yenzelwe abantu abazimisele ukukhokhela amanye ama-copay kanye nemali encane edonswa minyaka yonke ukuze babe nezindleko eziphansi ze-premium (inani olikhokhela uhlelo).

IMedigap Supplement Plan N ihlanganisa:

• Amaphesenti angama-20 i-Medicare Part B engenayo.
• Isibhedlela sakho sidonswa.
• Ukukopishwa kwesibhedlela sakho nokuqinisekiswa kwemali.
• Amaphesenti angama-80 wezinzuzo eziphuthumayo zokuvakasha kwamanye amazwe.

Qhubeka ufunda ukuze ufunde kabanzi mayelana ne-Medicare Supplement Plan N - okuhlanganayo nalokho okungekho - nokuthi ungayithenga kanjani.

Imininingwane yohlelo lwe-Medicare Supplement Plan N

Uhlelo lwe-Medicare Supplement Plan N lubandakanya:

• Amaphesenti ayi-100 e-Part A coinsurance kanye nezindleko zesibhedlela kuze kufike ezinsukwini ezingama-365 ezengeziwe ngemuva kokuthi izinzuzo zeMedicare zisetshenzisiwe.
• Amaphesenti ayi-100 engxenye ebanjwayo.
• Amaphesenti ayi-100 engxenye yokunakekelwa kwe-hospice noma i-copayment.
• Amaphesenti ayi-100 wamapayipi amathathu okuqala egazi.
• Amaphesenti ayi-100 wesikhungo sokunakekelwa kwabahlengikazi abanamakhono.
• Amaphesenti ayi-100 weNgxenye B yesibambiso semali noma i-copayment.
• Amaphesenti angama-80 wokushintshaniswa kohambo lwangaphandle.

Akuhlanganisi:

• Ingxenye B yakho iyadonswa.
• Inkokhelo yakho eyeqile kwengxenye B.

* Nge-Medicare Supplement Plan N, amaphesenti ayi-100 we-Part B coinsurance akhokhelwa ngaphandle kwemali ekhokhwayo efinyelela ku- $ 50 yokuvakashelwa kwamagumbi okuphuthumayo okungabangeli ukwamukelwa kweziguli, kanye nemali ekhokhwayo efinyelela ku- $ 20 yehhovisi elithile ukuvakashelwa.

Yini engamboziwe ngaphansi kohlelo lwe-Medicare Supplement Plan N?

I-Medicare Plan N ayihlanganisi:

• Imigomo
• Umbono
• Amazinyo
• Ukuzwa

Uma ufuna ukufakwa kwezidakamizwa kadokotela ongaphandle, ungathenga i-Medicare Part D.

Uma ungathanda ukufakwa kwamazinyo, umbono, nokuzwa, cabanga ngoHlelo Lwe-Medicare Advantage. Kodwa-ke, sicela wazi ukuthi awunakuba nakho kokubili uhlelo lweMedigap kanye necebo leMedicare Advantage.

Kusebenza kanjani ukufakwa kweMedigap?

Izinqubomgomo zeMedigap ziyatholakala ukusiza ukugcwalisa igebe phakathi kwalokhu okukhokhwa yiMedicare yokuqala nalokho okukhokhela ukwelashwa.

Ukukhetha

Kunezinhlelo eziyi-10 ezahlukahlukene zeMedigap (A, B, C, D, F, G, K, L, M, N) zonke ezinokutholakala okuhlukile futhi zinamaprimiyamu ahlukile. Lokhu kukhethwa kukuvumela ukuthi ukhethe ukumbozwa okususelwa kuzidingo zakho kanye nebhajethi yakho.

Ukumiswa

Izinhlelo zeMedigap zihlelwe ngendlela efanayo ezifundeni ezingama-47 kwezingama-50. Uma uhlala eMassachusetts, Minnesota, noma eWisconsin, izinqubomgomo zeMedigap (kufaka phakathi ukufakwa kwe-Medicare Supplement Plan N) zilinganiswe ngokuhlukile.

Inkokhelo

Lapho uthola ukwelashwa okuvunyelwe yi-Medicare:

1. I-Medicare ikhokha isabelo sayo semali evunyelwe yi-Medicare.
2. Inqubomgomo yakho ye-Medigap ikhokha ingxenye yayo.
3. Ukhokha isabelo sakho (uma sikhona).

Ukufaneleka

Ukuze ufanelekele noma yiluphi uhlelo lweMedigap, kufaka phakathi iMedicare Supplement Plan N, kufanele ube neMedicare Part A yasekuqaleni (umshuwalense wesibhedlela) kanye neMedicare Part B (umshuwalense wezokwelapha).

Ukuhlanganiswa komlingani

Uhlelo lwakho lweMedigap lumboza wena kuphela. Oshade naye, uma efanele i-Medicare, uzodinga ukuthenga inqubomgomo ehlukile.

Ukuthola inqubomgomo yeMedigap

Lapho usuthole iMedicare yangempela, ungathenga inqubomgomo yeMedigap enkampanini yomshuwalense. Ukukhetha uhlelo oluthile nenkampani yomshuwalense, abantu abaningi babonisana nelungu lomndeni elithembekile, umngani onenqubomgomo yamanje yeMedigap, noma umenzeli womshuwalense.

Abanye bangaxhumana noMKHUMBU wombuso wabo (Uhlelo Lomshwalense Wezempilo Wombuso) ukuthola isiqondiso. Umkhumbi wakho kufanele ukwazi ukunikeza usizo lwamahhala ekukhetheni inqubomgomo kanye nomhlahlandlela wokuqhathanisa isilinganiso seMedigap.

Isimo sakho kungenzeka ukuthi sinenkampani yomshuwalense engaphezu kweyodwa ethengisa izinqubomgomo zeMedigap. Imvamisa, izindleko zokutholakala okufanayo ziyahlukahluka kuye ngenkampani.

Ukudla okudlela endlini

I-Medicare Supplement Plan N ukumbozwa kungenye yezindlela eziyi-10 ezihlelwe ngokomthetho zokusiza ukugcwalisa "izikhala" ekuhlanganisweni kwasekuqaleni kweMedare. Kuyindlela yabantu abafuna ukumbozwa okubanzi kepha, ukwehlisa amaphrimiyamu abo, bazimisele ukukhokhela amanye ama-copay kanye nemali encane edonswa minyaka yonke.

Njengazo zonke izinhlelo zeMedigap, ukufakwa kwe-Medicare Supplement Plan N akubandakanyi imishanguzo kadokotela. Uma ufuna ukumbozwa ngudokotela ungathenga i-Medicare Part D. Medicare Plan N nayo ayihlanganisi amazinyo, umbono, noma ukuzwa.

Uma ufuna ukumbozwa kwalezi zinsizakalo, cabanga ngohlelo lwe-Medicare Advantage. Ungaba nohlelo lweMedicare Advantage noma iMedigap Plan; awukwazi ukuba nakho kokubili.