Umlobi: Lewis Jackson
Usuku Lokudalwa: 8 Mhlawumbe 2021
Ukuvuselela Usuku: 26 U-Okthoba 2024
Anonim
Ngabe uhlelo lwe-Medicare Supplement Plan luqhathaniswa kanjani noHlelo G? - Impilo
Ngabe uhlelo lwe-Medicare Supplement Plan luqhathaniswa kanjani noHlelo G? - Impilo

-Delile

IMedigap, noma umshwalense wokwengeza we-Medicare, ungasiza ukukhokhela izinto i-Medicare yasekuqaleni engazenzi. IMedigap inezinhlelo ezahlukahlukene ongakhetha kuzo, kufaka phakathi uHlelo F noHlelo G.

“Amapulani” kaMedigap ahlukile “ezingxenyeni” zeMedicare, okuyizici ezahlukahlukene zokutholakala kwakho kwe-Medicare futhi ezingafaka:

  • I-Medicare Part A (umshuwalense wesibhedlela)
  • I-Medicare Part B (umshuwalense wezokwelapha)
  • I-Medicare Part C (i-Medicare Advantage)
  • I-Medicare Part D (ukutholakala kwezidakamizwa kadokotela)

Ngakho-ke, yini ngempela iMedigap Plan F noHlelo G? Futhi bahlangana kanjani omunye komunye? Qhubeka ufunde njengoba singena ngokujulile kule mibuzo.

Uyini umshuwalense wokwengeza we-Medicare (Medigap)?

IMedigap ibizwa nangokuthi yi-Medicare supplement yomshuwalense. Ingasetshenziselwa ukusiza ukukhokhela izindleko zokunakekelwa kwezempilo ezingamboziwe yi-Medicare yasekuqaleni (izingxenye A no-B).


IMedigap yakhiwa ngamasu ahlukene ayi-10, ngalinye libekwe ngohlamvu: A, B, C, D, F, G, K, L, M, noN. Uhlelo ngalunye lufaka isethi ethile yezinzuzo eziyisisekelo, noma ngabe iyiphi inkampani uthengisa uhlelo.

Kodwa-ke, izindleko ngalunye lwalezi zinhlelo zingancika ezintweni eziningi kufaka phakathi ukuthi uhlala kuphi nentengo ebekwe yinkampani yomshuwalense ngayinye.

Luyini uhlelo lwe-Medicare Supplement F?

IMedigap Plan F ibhekwa njengenye yezinhlelo zeMedigap ezibandakanya kakhulu. Njengezinye izinhlelo zeMedigap, uzoba ne-premium yanyanga zonke yoHlelo F. Leli nani lizoya ngenqubomgomo ethile oyithengile.

Izinhlelo eziningi zeMedigap azinayo imali ebanjwayo. Kodwa-ke, ngaphezu kwe-Plan F ejwayelekile, unenketho yokuthenga inqubomgomo ekhokhelwa kakhulu. Amaphrimiyamu alezi zinhlelo aphansi, kodwa kuzofanele uhlangane nemali ebanjwayo ngaphambi kokuthi kufihlwe kuqala.

Uma ufanelekela ukuthenga iPlan F, ungathenga inqubomgomo usebenzisa ithuluzi lokusesha likaMedare. Lokhu kukuvumela ukuba uqhathanise izinqubomgomo ezahlukahlukene ezinikezwa endaweni yakho.


IMedigap Plan F ihlanganisa amaphesenti ayi-100 wezindleko ezilandelayo:

  • Ingxenye A ebanjwayo
  • Ingxenye A izindleko zokukhokhelwa kwemali nezindleko ze-copay
  • Ingxenye B iyadonswa
  • Ingxenye B yokubambezeleka kanye nama-copays
  • Ingxenye B ye-premium
  • Ingxenye B ishaja ngokweqile
  • igazi (amaphayinti amathathu okuqala)
  • Amaphesenti angama-80 wokunakekelwa okuphuthumayo lapho ehamba kwelinye izwe

Ngabe ngifanelekile ukubhalisela uhlelo lwe-Medicare Supplement Plan F?

Imithetho yokubhaliswa kwePlan F yashintsha ngo-2020. Kusukela ngoJanuwari 1, 2020, izinhlelo zeMedigap azisavunyelwe ukumboza iphrimiyamu ye-Medicare Part B.

Ukube ububhaliswe kuMedigap Plan F ngaphambi konyaka we-2020, uyakwazi ukugcina uhlelo lwakho nezinzuzo zizohlonishwa. Kodwa-ke, labo abasha kwi-Medicare abafanelekile ukubhalisa ku-Plan F.

Ngubani ongabhalisela uHlelo F?

Imithetho emisha yokubhaliswa kwePlan F imi kanje:

  • I-Plan F ayitholakali kunoma ngubani ofanelekele ukuthola iMedicare ngomhlaka 1 Januwari 2020 noma ngemuva kwalokho.
  • Abantu abebevele bembozwe yiPlan F ngaphambi konyaka we-2020 bayakwazi ukugcina uhlelo lwabo.
  • Noma ngubani owayefanelekela i-Medicare ngaphambi kukaJanuwari, 1, 2020 kepha engenayo i-Plan F usengayithenga eyodwa, uma ikhona.

Luyini uhlelo lwe-Medicare Supplement G?

Ngokufana nePlan F, iMedigap Plan G ihlanganisa izindleko ezahlukahlukene; kodwa-ke akunjalo vala i-Medicare Part B yakho ekhishwayo.


Une-premium yanyanga zonke ngePlan G, futhi okukhokhayo kungahluka ngokuya ngenqubomgomo oyikhethayo. Ungaqhathanisa izinqubomgomo ze-Plan G endaweni yakho usebenzisa ithuluzi lokusesha lika-Medicare.

Kukhona futhi inketho ebanjwayo ephezulu ye-Plan G. Futhi, izinhlelo ezidonswa kakhulu zinamaphrimiyamu aphansi, kepha kuzofanele ukhokhe inani elibekiwe elidonsiwe ngaphambi kokuba izindleko zakho zimbozwe.

IMedigap Plan G ihlanganisa amaphesenti ayi-100 wezindleko ezibalwe ngezansi:

  • Ingxenye A ebanjwayo
  • Ingxenye A coinsurance futhi copays
  • igazi (amaphayinti amathathu okuqala)
  • Ingxenye B yokubambezeleka kanye nama-copays
  • Ingxenye B ishaja ngokweqile
  • Amaphesenti angama-80 wokunakekelwa okuphuthumayo lapho ehamba kwelinye izwe

Ngabe ngifanelekile ukubhalisa ku-Medicare Supplement Plan G?

Njengoba i-Plan G ingayifaki i-Medicare Part B ekhishwayo, noma ngubani obhalise kwi-Medicare yasekuqaleni angayithenga. Ukuze ubhalise ku-Plan G, kufanele ube neMedicare yangempela (izingxenye A no-B).

Ungaqala uthenge inqubomgomo yokwengeza ye-Medicare ngesikhathi sakho sokubhalisa sokuqala seMedigap. Lesi isikhathi sezinyanga eziyisithupha esiqala inyanga ohlanganisa iminyaka engama-65 futhi ubhalise kwi-Medicare Part B.

Abanye abantu bayakufanelekela ukuthola iMedicare ngaphambi kweminyaka yobudala engama-65. Kodwa-ke, umthetho wesifundazwe awudingi ukuthi izinkampani zithengise izinqubomgomo zeMedigap kubantu abangaphansi kweminyaka engama-65.

Uma ungaphansi kweminyaka engama-65, ungahle ungakwazi ukuthenga inqubomgomo ethile ye-Medigap oyifunayo. Kwezinye izimo, ungahle ungakwazi ukuthenga eyodwa. Kodwa-ke, ezinye izifundazwe zinikela nge-Medicare SELECT, okuluhlobo oluhlukile lwecebo leMedigap elitholakala kubantu abangaphansi kweminyaka engama-65 ubudala.

Ngabe uPlan F uqhathanisa kanjani noHlelo G?

Ngakho-ke lezi zinhlelo ziqhathaniswa kanjani? Sekukonke, ziyafana kakhulu.

Zombili lezi zinhlelo zinikeza ukumbozwa okufana nokuqhathaniswa. Umehluko omkhulu ukuthi iPlan F ihlanganisa iMedicare Part B ebanjwayo ngenkathi iPlan G ingenayo.

Zombili lezi zinhlelo zinenketho yokudonswa okuphezulu. Ngo-2021, lokhu kudonswa kusethwe ku- $ 2,370, okumele ikhokhwe ngaphambi kokuthi inqubomgomo iqale ukukhokhela izinzuzo.

Omunye umehluko omkhulu phakathi koHlelo F noHlelo G ukuthi ngubani ongabhalisa. Noma ngubani obhaliswe kwi-Medicare yasekuqaleni angabhalisela uHlelo G. Lokhu akulona iqiniso ngoHlelo F. Yilabo kuphela abafanelekela ukuthola iMedicare ngaphambi kukaJanuwari 1, 2020 abangabhalisela uHlelo F.

Bheka amatafula angezansi ukuze uqhathanise okubonakalayo kwePlan F vs. Plan G.

Umhlomulo uhlanganisiwe Hlela uF Hlela uG
Ingxenye A ebanjwayo 100% 100%
Ingxenye A coinsurance futhi copays100% 100%
Ingxenye B iyadonswa 100% 100%
Ingxenye B yokubambezeleka kanye nama-copays 100% 100%
Ingxenye B ye-premium100%ayimboziwe
Ingxenye B ishaja ngokweqile100% 100%
igazi (amaphayinti amathathu okuqala)100%100%
ukumbozwa kokuvakasha kwamanye amazwe80% 80%

Kubiza malini uHlelo F noHlelo G?

Kuzofanele ukhokhe imali ekhokhwa nyangazonke yohlelo lwakho lweMedigap. Lokhu kungezwe kwi-premium yanyanga zonke oyikhokhela iMedare Part B uma une-Plan G.

Inani lakho lenyanga le-premium lingancika kunqubomgomo yakho ethile, umhlinzeki wohlelo, nendawo. Qhathanisa izintengo zenqubomgomo ye-Medigap endaweni yakho ngaphambi kokuthatha isinqumo sodwa.

Ngezansi ukuqhathaniswa kwezindleko ekhanda nekhanda iMedigap Plan F noHlelo G emadolobheni amane ayisibonelo kulo lonke elase-United States.

HlelaIndawo, ibanga le-premium le-2021
Hlela uF I-Atlanta, GA: $ 139- $ 3,682; IChicago, IL: $ 128– $ 1,113; IHouston, TX: $ 141- $ 935; ISan Francisco, CA: $ 146- $ 1,061
Uhlelo F (ukudonswa okuphezulu)I-Atlanta, GA: $ 42- $ 812; IChicago, IL: $ 32- $ 227; IHouston, TX: $ 35- $ 377; ISan Francisco, CA: $ 28- $ 180
Hlela uG I-Atlanta, GA: $ 107- $ 2,768; IChicago, IL: $ 106– $ 716; IHouston, TX: $ 112- $ 905; ISan Francisco, CA: $ 115- $ 960
Uhlelo G (ukudonswa okuphezulu)I-Atlanta, GA: $ 42- $ 710; IChicago, IL: $ 32- $ 188; IHouston, TX: $ 35- $ 173; ISan Francisco, CA: $ 38- $ 157

Akuzona zonke izindawo ezinikeza izinketho zokudonswa okuphezulu, kepha eziningi ziyakwenza.

Ukuthatha

IMedigap ngumshuwalense wokulekelela osiza ukumboza izindleko ezingakhokhelwa yiMedicare yangempela. IMedigap Plan F noHlelo G yizinhlelo ezimbili kwezingu-10 ezahlukahlukene zeMedigap ongakhetha kuzo.

Uhlelo F noHlelo G zifana ngokuphelele. Kodwa-ke, ngenkathi i-Plan G itholakala kunoma ngubani omusha ku-Medicare, izinqubomgomo ze-Plan F azikwazi ukuthengwa yilabo abasha kwi-Medicare ngemuva kukaJanuwari 1, 2020.

Zonke izinhlelo zeMedigap zenziwa zifane, ngakho-ke uqinisekisiwe ukuthola ukumbozwa okuyisisekelo okufanayo kunqubomgomo yakho ngaphandle kwenkampani oyithenga kusuka noma lapho uhlala khona. Kodwa-ke, amaprimiyamu anyanga zonke angahluka, ngakho-ke qhathanisa izinqubomgomo eziningi ngaphambi kokuthenga.

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.

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