Uhlolojikelele lweMedicare Supplement Plan K

-Delile

• Ngabe i-Medicare Supplement Plan K imbozani?
• Yini inzuzo yomkhawulo ophuma ephaketheni waminyaka yonke?
• Ngabe zikhona ezinye izinhlelo zeMedigap ezinomkhawulo wokuphuma ephaketheni waminyaka yonke?
• Uyini ngempela uMedigap?
• Ukuthatha

I-Medicare supplemental insurance, noma iMedigap, isiza ukumboza ezinye zezindleko zokunakekelwa kwezempilo okuvame ukusala kusuka ezingxenyeni zeMedicare A no-B.

I-Medicare Supplement Plan K ingenye yezinhlelo ezimbili zokwengeza ze-Medicare ezinikeza umkhawulo waminyaka yonke ophuma ephaketheni.

Qhubeka ufunda ukuze ufunde kabanzi ngalolu hlelo, okukuhlanganisayo, nokuthi ngubani ongazuza kulo.

Ngabe i-Medicare Supplement Plan K imbozani?

Izinqubomgomo eziningi zeMedigap zimboza izindleko zokuqinisekisa imali ngemuva kokuthi ukhokhe imali ekhishwa minyaka yonke. Abanye baphinde bakhokhe imali ebanjwayo.

Uhlelo lwe-Medicare Supplement Plan K lubandakanya:

• Ukukhokhelwa okungu-100% kwengxenye A yesibambiso semali kanye nezindleko zesibhedlela kuze kufinyelele ezinsukwini ezingama-365 ezengeziwe ngemuva kokuthi izinzuzo zeMedicare zisetshenzisiwe
• Ukusabalala okungama-50% kwe-:
  • Ingxenye A ebanjwayo
  • Ingxenye A ukunakekelwa kwe-hospice noma i-copayment
  • igazi (amaphayinti amathathu okuqala)
  • ukunakekelwa kwesikhungo sokunakekelwa kwabahlengikazi abanamakhono
  • Ingxenye B yokubambezeleka noma ama-copayments
• Akufakiwe ekuhlanganisweni:
  • Ingxenye B iyadonswa
  • Ingxenye B ishaja ngokweqile
  • ukushintshaniswa kohambo lwangaphandle

Umkhawulo ophuma ephaketheni ngo-2021 ngu- $ 6,220. Ngemuva kokuhlangana ne-Part B yakho ekhishwa minyaka yonke nemikhawulo yakho ekhishwa minyaka yonke, amaphesenti ayi-100 wezinsizakalo ezihlanganisiwe unyaka wonke akhokhwa ngabakwaMedigap.

Yini inzuzo yomkhawulo ophuma ephaketheni waminyaka yonke?

Ayikho imali ekhokhelwa izindleko zakho zonyaka zokunakekelwa kwezempilo nge-Medicare yasekuqaleni. Abantu abathenga uhlelo lweMedigap benza njalo ukukhawulela inani lemali elichithwe ekunakekelweni kwezempilo phakathi nonyaka.

Lokhu kungabalulekile kubantu:

• unesimo sempilo esingapheli nezindleko eziphezulu zokunakekelwa kwezempilo okuqhubekayo
• bafuna ukuzilungiselela uma kwenzeka kuba nezimo eziphuthumayo ezibiza kakhulu ezingalindelekile zezokwelapha

Ngabe zikhona ezinye izinhlelo zeMedigap ezinomkhawulo wokuphuma ephaketheni waminyaka yonke?

I-Medicare Supplement Plan K ne-Plan L yizinhlelo ezimbili zeMedigap ezibandakanya umkhawulo waminyaka yonke ophuma ephaketheni.

• Hlela umkhawulo we-K ophuma ephaketheni: $ 6,220 ngo-2021
• Hlela umkhawulo we-L ophume ephaketheni: $ 3,110 ngo-2021

Kuzo zombili lezi zinhlelo, ngemuva kokuthi uhlangane ne-Part B yakho ekhishwe minyaka yonke kanye nemikhawulo yakho yokuphuma ephaketheni yaminyaka yonke, amaphesenti ayi-100 wezinsizakalo ezihlanganisiwe unyaka wonke akhokhwa ngohlelo lwakho lokuxhaswa lwe-Medicare.

Uyini ngempela uMedigap?

Kwesinye isikhathi ibizwa ngokuthi yi-Medicare supplemental insurance, inqubomgomo yeMedigap isiza ukumboza izindleko zokunakekelwa kwezempilo i-Medicare yasekuqaleni engayikhokhi. Kuhlelo lweMedigap, kufanele:

• une-Medicare yasekuqaleni, eyiMedicare Part A (umshuwalense wesibhedlela) kanye neMedicare Part B (umshuwalense wezokwelapha)
• yiba nenqubomgomo yakho yeMedigap (umuntu oyedwa kuphela ngenqubomgomo ngayinye)
• khokha imali ekhokhwa nyangazonke ngaphezu kwamaphrimiyamu akho e-Medicare

Izinqubomgomo zeMedigap zithengiswa izinkampani zomshuwalense ezizimele. Lezi zinqubomgomo zenziwe zifane futhi zilandela imithetho yombuso kanye neyezwe.

Ezifundazweni eziningi, zikhonjwa ngohlamvu olufanayo, ngakho-ke iMedicare Supplement Plan K izofana ezweni lonke, ngaphandle kwezifundazwe ezilandelayo:

• EMassachusetts
• IMinnesota
• I-Wisconsin

Ungathenga kuphela inqubomgomo yeMedigap uma une-Medicare yangempela. IMedigap neMedicare Advantage ngeke ukusetshenziswa ndawonye.

Ukuthatha

I-Medicare Supplement Plan K yinqubomgomo yeMedigap esiza ukumboza izindleko zokunakekelwa kwezempilo okusele kwi-Medicare yasekuqaleni. Ngenye yezinhlelo ezimbili ezinikeza umkhawulo waminyaka yonke ophuma ephaketheni.

Umkhawulo waminyaka yonke ophuma ephaketheni ungazuzisa uma:

• unesimo sempilo esingapheli nezindleko eziphezulu zokunakekelwa kwezempilo okuqhubekayo
• bafuna ukuzilungiselela izimo eziphuthumayo ezingabiza kakhulu ezingalindelekile zezokwelapha

Uma unomuzwa wokuthi inqubomgomo yeMedigap iyisinqumo esifanele sezidingo zakho zokunakekelwa kwezempilo, qiniseka ukuthi ubheka zonke izinketho zakho zenqubomgomo. Vakashela i-Medicare.gov ukuze uqhathanise izinqubomgomo ze-Medigap ukuthola eyodwa ekufanele.

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.