I-Medicare Part G: Okumbozayo nokuningi

-Delile

• Izindleko ezeqile zeMedicare Part B
• Ngabe i-Medicare Supplement Plan G imbozani?
• Ukuqonda iMedigap
• Ukunquma ngohlelo lweMedigap
• IMedigap eMassachusetts, Minnesota naseWisconsin
• Yini amalungelo okukhishwa aqinisekisiwe?
• Ukudla okudlela endlini

I-Medicare Supplement Plan G ihlanganisa ingxenye yakho yemihlomulo yezokwelapha (ngaphandle kwesibhedlela esidonswa ngaphandle) embozwe yi-Medicare yasekuqaleni. Kubizwa nangokuthi iMedigap Plan G.

I-Medicare yoqobo ifaka phakathi i-Medicare Part A (umshuwalense wesibhedlela) neMedicare Part B (umshuwalense wezokwelapha).

IMedigap Plan G ingelinye lamasu athandwayo kakhulu kwezingu-10 ezitholakalayo ngenxa yokutholakala kabanzi, okubandakanya ukumbozwa kwemali ekhokhwayo eyeqile kwengxenye B.

Qhubeka ufunda ukuze ufunde kabanzi ngeMedicare Part G nokuthi yini ekuhlanganisayo.

Izindleko ezeqile zeMedicare Part B

I-Medicare Part B ihlanganisa kuphela abahlinzeki bezempilo ababamba iqhaza neMedicare. Uma ukhetha umhlinzeki ongahlanganyeli ne-Medicare, lowo mhlinzeki angakhokhisa kuze kufike kumaphesenti ayi-15 ngaphezu kwesilinganiso esijwayelekile se-Medicare.

Le nkokhelo eyengeziwe ibhekwa njengenhlawulo eyeqile kwengxenye B. Uma uhlelo lwakho lweMedigap lungafaki izindleko ze-Part B ezeqile, uzokhokha uphuma ephaketheni.

Ngabe i-Medicare Supplement Plan G imbozani?

Uma usuyikhokhile imali yakho ebanjwayo, izinqubomgomo eziningi ze-Medigap zimboza i-coinsurance. Ezinye izinqubomgomo zeMedigap nazo zikhokha imali ekhishwayo.

Ukuhlanganiswa ne-Medicare Supplement Plan G kufaka phakathi:

• Ingxenye A yokuqinisekisa imali kanye nezindleko zesibhedlela ngemuva kokuthi izinzuzo zeMedicare zisetshenzisiwe (kufika ezinsukwini ezingama-365 ezengeziwe): amaphesenti ayi-100
• Ingxenye A idonswa: amaphesenti ayi-100
• Ingxenye A ukunakekelwa kwe-hospice noma i-copayment: amaphesenti ayi-100
• Ingxenye B yokubambezeleka noma ukukhokhelwa kwemali: amaphesenti ayi-100
• Ingxenye B iyadonswa: ayimboziwe
• Ingxenye B ekhokhiswa ngokweqile: amaphesenti ayi-100
• ukunakekelwa kwesikhungo sokunakekelwa kwabahlengikazi abanamakhono: amaphesenti ayi-100
• igazi (amapayipi amathathu okuqala): amaphesenti ayi-100
• Ukushintshaniswa kohambo lwangaphandle: amaphesenti angama-80
• umkhawulo ophuma ephaketheni: awusebenzi

Ukuqonda iMedigap

Izinqubomgomo ze-Medigap, ezifana ne-Medicare Supplement Plan G, zisiza ukumboza izindleko zokunakekelwa kwezempilo ezingakhokhelwa yi-Medicare yasekuqaleni. Lezi zinqubomgomo yilezi:

• kuthengiswa izinkampani zomshuwalense ezizimele
• zifane futhi zilandele imithetho yombuso neyombuso
• ekhonjwe ezifundazweni eziningi ngohlamvu olufanayo, kulokhu, “G”

Inqubomgomo yeMedigap eyomuntu oyedwa kuphela. Wena noshade naye ngamunye nidinga inqubomgomo yomuntu ngamunye.

Uma ufuna inqubomgomo yeMedigap, wena:

• kumele ube neMedicare Part A yasekuqaleni no-Part B
• awunakuba nohlelo lwe-Medicare Advantage
• uzoba nenkokhelo yanyanga zonke (ngaphezu kwama-premium wakho we-Medicare)

Ukunquma ngohlelo lweMedigap

Enye indlela yokuthola uhlelo lomshuwalense wokwengezelela iMedicare olufanelana nezidingo zakho ngokusebenzisa “Thola inqubomgomo yeMedigap ekusebenzela” Isicelo sokusesha nge-Inthanethi. Lawa mathuluzi okusesha aku-inthanethi amiswa yi-U.S. Centers for Medicare & Medicaid Services (CMS).

IMedigap eMassachusetts, Minnesota naseWisconsin

Uma uhlala eMassachusetts, Minnesota, noma eWisconsin, izinqubomgomo zeMedigap zilinganiswe ngokwehlukile kunezinye izifundazwe. Izinqubomgomo zehlukile, kepha uqinisekise amalungelo okukhishwa wokuthenga inqubomgomo yeMedigap.

• EMassachusetts, izinhlelo zeMedigap zineCore Plan ne-Supplement 1 Plan.
• EMinnesota, izinhlelo zeMedigap zinezinhlelo eziyisisekelo nezeluliwe eziyisisekelo.
• EWisconsin, izinhlelo zeMedigap zinohlelo oluyisisekelo namaphesenti angama-50 namaphesenti angama-25 wezinhlelo zokwabelana ngezindleko.

Ngemininingwane eningiliziwe, ungasebenzisa ithuluzi lokusesha elithi "Thola inqubomgomo yeMedigap ekusebenzela" noma ushayele umnyango womshuwalense wombuso wakho.

Yini amalungelo okukhishwa aqinisekisiwe?

Amalungelo okukhishwa aqinisekisiwe (abizwa nangokuthi ukuvikelwa kweMedigap) adinga izinkampani zomshuwalense ukuthi zikuthengisele inqubomgomo yeMedigap:

• ihlanganisa izimo zezempilo esezikhona
• ayibizi kakhulu ngenxa yezimo zezempilo ezedlule noma ezikhona manje

Amalungelo enkinga aqinisekisiwe ngokuvamile ayasebenza lapho ukumbozwa kwakho kwezempilo kushintsha, njengokuthi uma ubhalise kuhlelo lweMedicare Advantage futhi luyeka ukunakekela endaweni yangakini, noma uma uthatha umhlalaphansi futhi ukunakekelwa kwezempilo komsebenzi wakho kuyaphela.

Vakashela leli khasi ukuthola eminye imininingwane ngamalungelo okukhishwa aqinisekisiwe.

Ukudla okudlela endlini

I-Medicare Supplement Plan G iyinqubomgomo yeMedigap esiza ukumboza izindleko zokunakekelwa kwezempilo ezingamboziwe yiMedicare yangempela. Ngenye yezinhlelo ezibanzi kakhulu zeMedigap, kufaka phakathi ukumbozwa kwezindleko ezeqile zeMedicare Part B.

Izinqubomgomo zeMedigap zihlelwe ngendlela ehlukile eMassachusetts, Minnesota naseWisconsin. Uma uhlala kwesinye salezi zifundazwe, kuzofanele ubuyekeze iminikelo yabo yeMedigap ukuthola inqubomgomo efana ne-Medicare Supplement Plan G.

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.