Zibiza Kangakanani Izinhlelo ZamaMedigap ngo-2021?
-Delile
- Yini iMedigap?
- Zibiza malini izinhlelo zeMedigap?
- Izinkokhelo zanyanga zonke
- Okudonswayo
- Coinsurance kanye nama-copays
- Umkhawulo ophuma ephaketheni
- Izindleko eziphuma ephaketheni
- Uhlelo lweMedigap luqhathanisa izindleko
- Ngifanelekile ukuthola iMedigap?
- Izinsuku ezibalulekile zokubhalisa eMedigap
- Isikhathi sokubhalisa sokuqala seMedigap
- Ezinye izikhathi zokubhalisa zeMedicare
- Ukuthatha
- IMedigap isiza ukukhokhela ezinye izindleko zokunakekelwa kwezempilo ezingakhokhelwa yiMedicare yasekuqaleni.
- Izindleko ozozikhokhela iMedigap zincike kuhlelo olikhethayo, indawo okuyo, nezinye izinto ezimbalwa.
- IMedigap imvamisa iba ne-premium yanyanga zonke, futhi kungadingeka ukuthi ukhokhe ama-copays, ama-coinsurance, nama-deductibles.
I-Medicare uhlelo lomshuwalense wezempilo olunikezwa uhulumeni wesifundazwe wabantu abaneminyaka engama-65 nangaphezulu, kanye namanye amaqembu athile. Kulinganiselwa ukuthi i-Medicare yasekuqaleni (izingxenye A no-B) ihlanganisa izindleko zomuntu ngamunye zokwelashwa.
Umshuwalense wokungezelela iMedare (iMedigap) usiza ukukhokhela ezinye zezindleko zokunakekelwa kwempilo ezingakhokhelwa yiMedicare yasekuqaleni. Mayelana nabantu abane-Medicare yasekuqaleni futhi banecebo leMedigap.
Izindleko zohlelo lweMedigap zingahluka ngenxa yezici ezithile, kufaka phakathi uhlobo lwecebo obhalisela kulo, lapho uhlala khona, nenkampani edayisa uhlelo.
Ngezansi, sizohlola kabanzi ngezindleko zezinhlelo zeMedigap ngo-2021.
Yini iMedigap?
IMedigap ngumshuwalense wokulekelela ongawuthenga ukusiza ukukhokhela izinto ezingamboziwe yiMedicare Part A kanye neMedicare Part B. Ezinye izibonelo zezindleko ezingakhokhelwa yiMedigap zifaka:
- okudonswayo kwezingxenye A no-B
- i-coinsurance noma ama-copays ezingxenye A no-B
- izindleko ezeqile zengxenye B
- izindleko zokunakekelwa kwezempilo ngesikhathi sokuvakasha kwamanye amazwe
- igazi (amaphayinti amathathu okuqala)
Izinto ezithile ezihlanganisiwe zincike ohlelweni lweMedigap oluthengayo. Kunezinhlobo eziyi-10 ezahlukahlukene zezinhlelo zeMedigap, ezikhethwe ngayinye ngohlamvu: A, B, C, D, F, G, K, L, M, noN. Uhlelo ngalunye lunezinga elihlukile lokuhlanganisa.
Izinkampani zomshuwalense ezizimele zithengisa izinqubomgomo zeMedigap. Uhlelo ngalunye lwenziwe lwafana, okusho ukuthi kufanele lunikeze ngezinga elifanayo eliyisisekelo lokumbozwa. Isibonelo, inqubomgomo ye-Plan G ifaka isethi efanayo yezinzuzo, kungakhathalekile izindleko zayo noma inkampani eyithengisayo.
Izinqubomgomo zeMedigap nazo ziqinisekisiwe ukuthi ziyavuselelwa inqobo nje uma ukhokha ama-premium akho anyanga zonke. Lokhu kusho ukuthi inkampani yomshuwalense othenge kuyo uhlelo lwakho ayikwazi ukukhansela uhlelo lwakho, noma ngabe unezimo ezintsha noma eziya ziba zimbi zezempilo.
Zibiza malini izinhlelo zeMedigap?
Ngakho-ke yiziphi izindleko zangempela ezihambisana nezinhlelo zeMedigap? Ake sihlole izindleko ezingaba khona ngokuningiliziwe.
Izinkokhelo zanyanga zonke
Inqubomgomo ngayinye yeMedigap ine-premium yanyanga zonke. Inani eliqondile lingahluka ngenqubomgomo ngayinye. Izinkampani zomshuwalense zingasetha amaprimiyamu njalo ngenyanga ngezinqubomgomo zazo ngezindlela ezintathu ezihlukene:
- Umphakathi ulinganisiwe. Wonke umuntu othenga inqubomgomo ukhokha imali efanayo yenyanga ngaphandle kokubheka ubudala.
- Kukalwe iminyaka yobudala. Amaphrimiyamu enyanga ahlanganiswe neminyaka lapho uqala ukuthenga khona inqubomgomo, lapho abathengi abancane benamaprimiyamu aphansi. Amaphrimiyamu awakhuphuki njengoba ukhula.
- Kukalwe iminyaka yobudala. Izinkokhelo zanyanga zonke ziboshelwe eminyakeni yakho yamanje. Lokho kusho ukuthi i-premium yakho izokhuphuka njengoba ukhula.
Uma ungathanda ukubhalisa kuhlelo lweMedigap, kubalulekile ukuqhathanisa izinqubomgomo eziningi ezinikezwa endaweni yakho. Lokhu kungakusiza ukunquma ukuthi amaphrimiyamu asethwa kanjani nokuthi ungalindela ukukhokha malini ngenyanga.
Imali ekhokhwa nyangazonke yeMedigap ikhokhwa ngaphezu kwamanye amaphrimiyamu anyanga zonke ahlobene neMedicare. Lokhu kungafaka amaphrimiyamu we:
- I-Medicare Part A (umshuwalense wesibhedlela), uma ikhona
- I-Medicare Part B (umshuwalense wezokwelapha)
- I-Medicare Part D (ukutholakala kwezidakamizwa kadokotela)
Okudonswayo
I-Medigap uqobo yayo ayihlotshaniswa nokudonswayo. Kodwa-ke, uma uhlelo lwakho lwe-Medigap lungabandakanyi i-Part A noma i-Part B edonswayo, usenomthwalo wokukhokha lezo.
Uhlelo lweMedigap F noHlelo G lunenketho yokudonswa ephezulu. Izinkokhelo zanyanga zonke zalezi zinhlelo ngokuvamile ziphansi, kodwa kuzofanele uhlangane nemali ebanjwayo ngaphambi kokuba iqale ukukhokhela izindleko. Okwe-2021, imali ekhishwayo ingu- $ 2,370 yalezi zinhlelo.
Coinsurance kanye nama-copays
Njengokudonswayo, iMedigap uqobo ayihlotshaniswa nokuqinisekiswa kwemali noma ama-copays. Kungenzeka kusamele ukhokhe i-coinsurance ethile noma ama-copay ahlobene ne-Medicare yasekuqaleni uma ngabe inqubomgomo yakho yeMedigap ingawahlanganisi.
Umkhawulo ophuma ephaketheni
Uhlelo lweMedigap K noHlelo L lunemikhawulo engaphandle kwephaketheni. Lesi yisamba esiphezulu okufanele ukhokhe esikhwameni.
Ngo-2021, imikhawulo ye-Plan K ne-Plan L engaphandle kwamaphakethe ingama- $ 6,220 no- $ 3,110, ngokulandelana. Ngemuva kokuhlangabezana nomkhawulo, uhlelo lukhokhela amaphesenti ayi-100 wezinsizakalo ezihlanganisiwe unyaka wonke.
Izindleko eziphuma ephaketheni
Kukhona ezinye izinsizakalo ezihlobene nezempilo ezingamboziwe yiMedigap. Uma udinga ukusebenzisa lezi zinsizakalo, kuzofanele uzikhokhele ephaketheni. Lokhu kungafaka:
- amazinyo
- umbono, kufaka phakathi izibuko zamehlo
- izinsiza-kuzwa
- Ukusetshenziswa kwezidakamizwa kadokotela
- ukunakekelwa kwesikhathi eside
- ukunakekelwa kwangasese
Uhlelo lweMedigap luqhathanisa izindleko
Ithebula elilandelayo likhombisa ukuqhathaniswa kwezindleko zamaphrimiyamu nyangazonke wezinhlelo ezahlukahlukene zeMedigap emadolobheni amane ayisampula e-United States.
| IWashington, D.C. | I-Des Moines, IA | I-Aurora, CO | ISan Francisco, CA | |
|---|---|---|---|---|
| Hlela A | $72–$1,024 | $78–$273 | $90–$379 | $83–$215 |
| Hlela uB | $98–$282 | $112–$331 | $122–$288 | $123–$262 |
| Uhlelo C | $124–$335 | $134–$386 | $159–$406 | $146–$311 |
| Hlela uD | $118–$209 | $103–$322 | $137–$259 | $126–$219 |
| Hlela uF | $125–$338 | $121–$387 | $157–$464 | $146–$312 |
| Uhlelo F (ukudonswa okuphezulu) | $27–$86 | $27–$76 | $32–$96 | $28–$84 |
| Hlela uG | $104–$321 | $97–$363 | $125–$432 | $115–$248 |
| Uhlelo G (ukudonswa okuphezulu) | $26–$53 | $32–$72 | $37–$71 | $38–$61 |
| Hlela uK | $40–$121 | $41–$113 | $41–$164 | $45–$123 |
| Hlela uL | $68–$201 | $69–$237 | $80–$190 | $81–$175 |
| Hlela uM | $145–$309 | $98–$214 | $128–$181 | $134–$186 |
| Hlela uN | $83–$279 | $80–$273 | $99–$310 | $93–$210 |
Amanani aboniswe ngenhla asuselwa kowesilisa oneminyaka engama-65 ongasebenzisi ugwayi. Ukuze uthole amanani aqondene nesimo sakho, faka ikhodi yakho ye-ZIP kuthuluzi lokuthola uhlelo lwe-Medicare's Medigap.
Ngifanelekile ukuthola iMedigap?
Kunemithetho ethile ehambisana nokuthenga inqubomgomo yeMedigap. Lokhu kufaka phakathi:
- Kufanele ube neMedicare yangempela (izingxenye A no-B). Wena ngeke uneMedigap neMedicare Advantage.
- Uhlelo lweMedigap lumboza umuntu oyedwa kuphela. Lokhu kusho ukuthi abashadile bazodinga ukuthenga izinqubomgomo ezihlukile.
- Ngokomthetho wesifundazwe, izinkampani zomshuwalense akudingeki ukuthi zithengise izinqubomgomo ze-Medigap kubantu abangaphansi kweminyaka engama-65. Uma ungaphansi kweminyaka engama-65 futhi une-Medicare yangempela, ungahle ungakwazi ukuthenga inqubomgomo oyifunayo.
Ngokwengeziwe, ezinye izinhlelo zeMedigap azisatholakali kulabo abasha kwiMedicare. Kodwa-ke, abantu asebebhalisile kulezi zinhlelo bangawagcina. Lezi zinhlelo zifaka:
- Uhlelo C
- Hlela u-E
- Hlela uF
- Hlela uH
- Hlela mina
- Hlela uJ
Izinsuku ezibalulekile zokubhalisa eMedigap
Ngezansi kunezinsuku ezithile ezibalulekile zokubhalisa kuhlelo lweMedigap.
Isikhathi sokubhalisa sokuqala seMedigap
Lesi sikhathi siqala isikhathi sezinyanga eziyisithupha esiqala lapho uneminyaka yobudala engama-65 futhi usubhalise kwi-Medicare Part B. Uma ubhalisa ngemuva kwalesi sikhathi, izinkampani zomshuwalense zingakhuphula amaphrimiyamu anyanga zonke ngenxa yokubhalwa phansi kwezokwelapha.
Ukubhalwa phansi kwezokwelapha inqubo esetshenziswa izinkampani zomshuwalense ukwenza izinqumo mayelana nokumbozwa ngokususelwa kumlando wakho wezokwelapha. Ukubhalwa phansi kwezokwelapha akuvunyelwe ngesikhathi sokubhaliswa kwasekuqaleni kweMedigap.
Ezinye izikhathi zokubhalisa zeMedicare
Usengathenga uhlelo lweMedigap ngaphandle kwesikhathi sakho sokuqala sokubhalisa. Nazi ezinye izikhathi lapho ungabhalisa kuhlelo lweMedigap unyaka wonke:
- Ukubhaliswa okujwayelekile (Januwari 1 – Mashi 31). Ungashintsha kusuka kuhlelo olulodwa lweMedicare Advantage uye kolunye, noma ungashiya uhlelo lweMedicare Advantage, ubuyele kwaMedicare wokuqala, bese ufaka isicelo sohlelo lweMedigap.
- Ukubhaliswa okuvulekile ngo-Okthoba 15 – Disemba 7). Ungabhalisa kunoma yiluphi uhlelo lweMedicare, kufaka phakathi uhlelo lweMedigap, ngalesi sikhathi.
Ukuthatha
IMedigap wuhlobo lomshuwalense wokungezelela ongawuthenga ukuze usize ukukhokhela izindleko ezihlobene nempilo ezingamboziwe yiMedicare yasekuqaleni. Kunezinhlobo eziyi-10 ezahlukahlukene zohlelo lweMedigap olujwayelekile.
Izindleko zohlelo lweMedigap zincike ohlelweni olukhethayo, lapho uhlala khona, nasenkampanini othenga kuyo inqubomgomo yakho. Uzokhokha imali ekhokhelwa nyangazonke yohlelo lwakho futhi ungahle ubhekane nokudonswa kwemali okuthize, isiqinisekiso semali, nama-copay.
Ungaqala ubhalise kuhlelo lweMedigap ngesikhathi sokubhaliswa kwasekuqaleni kweMedigap. Yilapho uhlanganisa iminyaka yobudala engama-65 bese ubhalisa kwi-Medicare Part B. Uma ungabhalisi ngalesi sikhathi, ungahle ungakwazi ukubhalisela uhlelo olufunayo noma kungabiza imali ethe xaxa.
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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