Isicwangciso seMedigap F: Sithini esi siCwangciso soNyango lweMedare kunye neNdleko?

Umxholo

• Yintoni isiCwangciso seMedigap F?
• Ixabisa malini iSicwangciso seMedigap F?
• Ngubani onokubhalisa kwisicwangciso seMedigap F?
• Isicwangciso seMedigap F sigubungela ntoni?
• Olunye ukhetho ukuba awukwazi ukubhalisa kwiSicwangciso seMedigap F
• Ukuthatha

Xa ubhalisa kwi-Medicare, unokukhetha ukuba zeziphi "iinxalenye" ​​ze-Medicare ozigutyungelayo. Ukhetho olwahlukeneyo lweMedicare lokujonga iimfuno zakho zokhathalelo lwempilo zibandakanya iCandelo A, Icandelo B, Icandelo C, kunye neCandelo D.

Kukwakho nezongezo ezininzi zeMedare (iMedigap) ezongeza izicwangciso ezinokubonelela ngenkxaso eyongezelelweyo kunye noncedo ngeendleko. Isicwangciso seMedigap F ngumgaqo-nkqubo weMedigap owongezwe kwisicwangciso sakho seMedare esinceda ukuhlawula iindleko zakho zeinshurensi yezempilo.

Kweli nqaku, siza kuvavanya ukuba yintoni isiCwangciso seMedigap F, sibiza malini, sigubungela ntoni, nangaphezulu.

Yintoni isiCwangciso seMedigap F?

IMedigap inikezelwa ziinkampani zeinshurensi zabucala njengokongeza kwisicwangciso sakho sokuqala seMedicare. Injongo yokuba nesicwangciso seMedigap kukukunceda ekuhlawuleni iindleko zakho zeMedare, ezinjengezinto ezikhutshiweyo, ii-copayments kunye ne-coinsurance. Kukho izicwangciso ezili-10 zeMedigap ezinokubonelelwa ziinkampani zeinshurensi, kubandakanya u-A, B, C, D, F, G, K, L, M, no-N.

Isicwangciso seMedigap F, ngamanye amaxesha esibizwa ngokuba sisiCwangciso sokuXhaswa kweMedicare F, sesona sicwangciso sipheleleyo seMedigap esibonelelweyo. Iquka phantse zonke iindleko zakho ze-Medicare Part A kunye neCandelo B ukwenzela ukuba uboleke imali encinci kakhulu ngaphandle kwe-pocket yeenkonzo zonyango.

Isicwangciso seMedigap F sinokukhetha okuhle ukuba:

• kufuna unyango rhoqo kwaye undwendwele ugqirha rhoqo
• Ufuna uncedo lwezemali ngononophelo okanye uhoyo
• ukuphuma kweli lizwe rhoqo kodwa ungenayo i-inshurensi yezempilo yomhambi

Ixabisa malini iSicwangciso seMedigap F?

Ukuba ubhalisile kwisicwangciso seMedigap F, uxanduva lwakho kwezi ndleko zilandelayo:

• Intlawulo yenyanga. Isicwangciso ngasinye seMedigap sineprimiyamu yaso yenyanga. Ezi ndleko ziya kwahluka ngokuxhomekeka kwisicwangciso osikhethileyo kunye nenkampani othenga kuyo isicwangciso sakho.
• Ukutsalwa konyaka. Ngelixa isiCwangciso seMedigap F ngokwaso singenakunyuswa minyaka le, zombini iiMedare zeCandelo A kunye neCandelo B zenza. Nangona kunjalo, ngokungafaniyo nezinye iindlela ezinikezelwayo, isiCwangciso seMedigap F sigubungela iipesenti ezili-100 zeCandelo A kunye neCandelo B.
• Iikopi kunye noqinisekiso lwemali. NgesiCwangciso seMedigap F, onke amaCandelo A kunye neCandelo B ukukhutshwa kunye nokuhlawulwa kwemali kuhlawulwe ngokupheleleyo, okukhokelela kwiindleko ze-0 ze-out-of-pocket zeenkonzo zonyango okanye zezibhedlele.

Isicwangciso seMedigap F sikwabandakanya ukhetho olunokutsalwa oluphezulu olufumaneka kwiindawo ezininzi. Ngeli cebo, uyakutyala imali exhuzulwa ngonyaka eyi- $ 2,370 ngaphambi kokuba iMedigap ihlawule, kodwa iipremiyamu zenyanga zihlala zingabizi kakhulu. Isicwangciso F semigangatho ephezulu yokutsalwa kukhetho F lukhetho olukhulu kubantu abakhetha ukuhlawula eyona nyanga iphantsi yenyanga enokubakho kule ngxelo.

Nayi imizekelo embalwa yePrimiyamu yeSicwangciso seMedigap F kwizixeko ezahlukeneyo kwilizwe liphela:

Ngubani onokubhalisa kwisicwangciso seMedigap F?

Ukuba sele unayo i-Medicare Advantage, unokucinga ngokutshintshela kwi-Medicare yoqobo ngomgaqo-nkqubo weMedigap.Ngaphambili, nabani na obhalise kwi-Medicare yoqobo wayenokuthenga iSicwangciso seMedigap F. Nangona kunjalo, esi sicwangciso ngoku siyapheliswa. Ukusukela nge-1 kaJanuwari ka-2020, isiCwangciso seMedigap F sifumaneka kuphela kwabo babelungele i-Medicare ngaphambi kuka-2020.

Ukuba ubusele ubhalisile kwisicwangciso seMedigap F, ungagcina isicwangciso kunye nezibonelelo. Kwakhona, ukuba ubulungele iMedare ngaphambi kukaJanuwari 1, 2020, kodwa waphoswa lubhaliso, usenokufanelekela ukuthenga iSicwangciso seMedigap F.

Ukuba uceba ukubhalisa eMedigap, kukho amaxesha athile obhaliso ekufuneka uwaqwalasele:

• IMedigap ubhaliso oluvulekileyo Uqhuba iinyanga ezi-6 ukusukela kwinyanga oguqula ngayo iminyaka engama-65 kwaye ubhalise kwi-Medicare Icandelo B.
• Ubhaliso olukhethekileyo lweMedigap yeyabantu abanokufanelekela ukufumana i-Medicare kunye neMedigap ngaphambi kokuba babe neminyaka engama-65, njengaleyo inesifo se-renal (ESRD) okanye ezinye iimeko esele zikho.

Kubalulekile ukuba uqaphele ukuba ngexesha lokubhaliswa okuvulekileyo kweMedigap, awunakwaliwa umgaqo-nkqubo weMedigap weemeko zempilo esele zikho. Nangona kunjalo, ngaphandle kwexesha lokubhalisa elivulekileyo, iinkampani zeinshurensi zinokukukhanyela umgaqo-nkqubo weMedigap ngenxa yempilo yakho, nokuba ufanelekile ukufumana enye.

Ke ngoko, ngowona mdla wakho ukubhalisa kwi-Medicare Supplement Plan F ngokukhawuleza ukuba usafaneleka.

Isicwangciso seMedigap F sigubungela ntoni?

Isicwangciso seMedigap F sesona sicwangciso sipheleleyo seMedigap, njengoko sigubungela phantse zonke iindleko ezinxulumene namacandelo eMedare A kunye no-B.

Zonke izicwangciso zeMedigap zimiselwe ngokomgangatho, oko kuthetha ukuba ingxelo enikiweyo kufuneka ifane kurhulumente ukuya kurhulumente (ngaphandle kweMassachusetts, Minnesota, okanye iWisconsin).

Nantsi into ecwangcisiweyo ye-Medigap Plan F:

• Icandelo A ukuqinisekiswa kwemali kunye neendleko zesibhedlele
• Icandelo A lokhathalelo lwe-hospice okanye ii-copayments
• Icandelo A lokukhathalela izibonelelo zononophelo
• Icandelo A litsale
• Icandelo B ukuqinisekiswa kwemali okanye iikopi
• Icandelo B lichithwe
• Icandelo B iintlawulo ezingaphezulu
• Utofelo-gazi (ukuya kuthi ga kwiiponti ezintathu)
• Iipesenti ezingama-80 zeendleko zokuhamba zangaphandle

Akukho mda uphuma epokothweni ngeSicwangciso seMedigap F, kwaye ayiyigubungeli enye yecandelo lakho leMedicare A kunye neCandelo B.

Njengoko sele kutshiwo apha ngasentla, zonke izicwangciso zeMedigap zimiselwe ngokomthetho- ngaphandle kokuba uhlala eMassachusetts, eMinnesota, okanye eWisconsin. Kula mazwe, imigaqo-nkqubo yeMedigap ibekwe emgangathweni ngokwahlukileyo, ngenxa yoko awunakunikwa isigubungelo esifanayo ngeSicwangciso seMedigap F.

Olunye ukhetho ukuba awukwazi ukubhalisa kwiSicwangciso seMedigap F

Ukuba ubusele ugqunywe sisicwangciso seMedigap F okanye ulungeleleneyo nge-Medicare ngaphambi kukaJanuwari 1, 2020, unokugcina okanye uthenge esi sicwangciso. Ukuba akunjalo, uya kuqwalasela ezinye izibonelelo, njengoko iMedigap Plan F ingasanikezelwa kubaxhamli abatsha beMedicare.

Nazi iindlela ezimbalwa zesicwangciso seMedigap ekufuneka usithathele ingqalelo ukuba awufanelanga ukubhalisa kwisicwangciso F:

• 

  Nanini na xa ukulungele ukubhalisa, ungandwendwela i-Medicare.gov ukufumana umgaqo-nkqubo weMedigap okhoyo kufutshane nawe.

  Ukuthatha

  Isicwangciso seMedigap F sisicwangciso esibanzi seMedigap esinceda ukufihla icandelo lakho leMedicare A kunye neCandelo B, iimali ezikhutshelweyo kunye nokuqinisekiswa kwemali. Isicwangciso seMedigap F siluncedo kubaxhamli bemivuzo ephantsi abafuna ukhathalelo lwezonyango rhoqo, okanye nawuphina umntu okhangela ukuhlawula kancinci epokothweni kangangoko kwiinkonzo zonyango.

  Kuba iMedigap Plan F ayisanikezelwa kubhaliso olutsha, iMedigap Plan G ibonelela ngokugubungela okufanayo ngaphandle kokugubungela iCandelo B.

  Ukuba ulungele ukuya phambili kwaye ubhalise kwisicwangciso seMedigap, ungasebenzisa iwebhusayithi yeMedicare.gov ukukhangela imigaqo-nkqubo ekufutshane nawe.

  Eli nqaku lahlaziywa ngo-Novemba 13, 2020 ukubonisa ulwazi lwango-2021 lonyango.

  

  Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.