Konke malunga neSicwangciso soNyango lweMedare

Umxholo

• Yintoni ehlawulwa yi-Medicare Supplement Plan M?
• Yintoni ukwabelana ngeendleko kwaye kusebenza njani?
• Ezinye iindleko eziphuma epokothweni
• Intlawulo
• Ngaba ndikulungele ukuthenga iSicwangciso sokuXhasa iMedare?
• Ubhaliso kwi-Medicare Supplement Plan M
• Ukuthatha

Isicwangciso sokuXhaswa kweMedicare M (isiCwangciso seMedigap M) sesinye seendlela ezintsha zeMedigap. Esi sicwangciso siyilelwe abantu abafuna ukuhlawula iqondo eliphantsi lenyanga (ipremiyamu) endaweni yokuhlawulela isiqingatha seCandelo A (isibhedlele) sonyaka esixhuzuliweyo kunye nenxalenye epheleleyo yonyaka yeCandelo B (isiguli).

Ukuba awulindelanga ukutyelelwa rhoqo esibhedlele kwaye ukhululekile ekwabelaneni ngeendleko, isiCwangciso sokuNyanga iMedicare M kunokuba yinto elungileyo kuwe.

Qhubeka ufunda ukuze ufunde okungakumbi ngolu khetho, kubandakanya nokugubungelayo, ngubani ofanelekileyo, kwaye ungabhalisa nini.

Yintoni ehlawulwa yi-Medicare Supplement Plan M?

Isicwangciso sokuXhaswa kweMedicare M kubandakanya oku kulandelayo:

• Iipesenti ezili-100 zeCandelo A le-coinsurance kunye neendleko zesibhedlele ukuya kwiintsuku ezingama-365 ezongezelelweyo emva kokuba izibonelelo ze-Medicare zisetyenzisiwe
• Iipesenti ezingama-50 zeCandelo A litsale
• Iipesenti ezili-100 zeCandelo lokunakekelwa kwe-hospice okanye i-copayments
• Iipesenti ezili-100 zeendleko zotofelo-gazi (iipilisi ezintathu zokuqala)
• Iipesenti ezili-100 zononophelo lwezibonelelo zononophelo
• Iipesenti ezili-100 zeCandelo B le-coinsurance okanye i-copayments
• Iipesenti ezingama-80 zeendleko zokukhathalela impilo xa usiya phesheya

Yintoni ukwabelana ngeendleko kwaye kusebenza njani?

Ukwabelana ngeendleko ngokusisiseko sisixa semali esifanele ukuhlawulwa nguwe emva kokuba uMedare kunye nomgaqo-nkqubo wakho weMedigap ehlawule izabelo zabo.

Nanku umzekelo wendlela ekwabelwana ngayo ngendleko:

Unayo iMedicare yoqobo (icandelo A no-B) kunye nomgaqo-nkqubo weMedigap Plan M. Ukulandela utyando lwe-hip, uchitha ubusuku obubini esibhedlele kwaye emva koko ube notyelelo lokulandelela kunye nogqirha wakho.

Utyando kunye nokuhlala kwakho esibhedlele kugutyungelwe yiCandelo le-Medicare emva kokuba udibene neCandelo A. Isicwangciso seMedigap M sihlawula isiqingatha saleyo ichithwayo kwaye unoxanduva lokuhlawula esinye isiqingatha epokothweni.

Ngo-2021, i-Medicare Part A esibhedlele esibhedlele isigxina i- $ 1,484. Isicwangciso somgaqo-nkqubo wakho weMedigap Plan uza kuba yi- $ 742 kwaye isabelo sakho siya kuba yi- $ 742.

Utyelelo lwakho olulandelayo lugqunywe liCandelo leMedicare B kunye neSicwangciso sakho seMedigap M. Nje ukuba uhlawule isabelo seNxalenye B yonyaka, iMedare ibhatala iipesenti ezingama-80 zokunyamekela abaguli kunye nesicwangciso sakho seMedicare M sihlawule enye iipesenti ezingama-20.

Ngo-2021, i-Medicare Part B yonyaka echithwayo yi- $ 203. Uya kuba noxanduva lelo mali lipheleleyo.

Ezinye iindleko eziphuma epokothweni

Ngaphambi kokukhetha umboneleli wokhathalelo lwempilo, jonga ukuba bayakwamkela na amaxabiso abelwe iMedicare (amaxabiso amayeza aya kuyamkela inkqubo kunye nonyango).

Ukuba ugqirha wakho akawamkeli amaxabiso abelwe iMedicare, unokufumana omnye ugqirha oza kuhlala okanye ugqirha wakho wangoku. Ukuba ukhetha ukuhlala, ugqirha wakho akavumelekanga ukuba ahlawulise ngaphezulu kweepesenti ezili-15 ngaphezulu kwesixa esivunyiweyo seMedicare.

Isixa esihlawulwe ngugqirha wakho ngaphezulu kwenqanaba elabelwe i-Medicare libizwa ngokuba yinxalenye B yentlawulo engaphezulu. NgesiCwangciso seMedigap M, unoxanduva lokuhlawula iindleko zePart B ezingaphezulu kwepokotho ..

Intlawulo

Emva kokuba ufumene unyango kwinqanaba elivunyiweyo le-Medicare:

1. Icandelo leMedicare A okanye iB lihlawula izabelo zalo.
2. Umgaqo-nkqubo wakho weMedigap uhlawula izabelo zawo.
3. Uhlawula isabelo sakho sentlawulo (ukuba ikho).

Ngaba ndikulungele ukuthenga iSicwangciso sokuXhasa iMedare?

Ukuze ufaneleke kwi-Medicare Supplement Plan M, kufuneka ubhalise kwi-Medicare Part A kunye neCandelo B. Kuya kufuneka uphinde uhlale kwindawo apho esi sicwangciso sithengiswa yinkampani yeinshurensi. Ukufumana ukuba isicwangciso M sinikezelwa kwindawo yakho, faka ikhowudi yakho ye-ZIP kwi-Medicare's Medigap finder.

Ubhaliso kwi-Medicare Supplement Plan M

Ixesha lakho lokubhaliswa kwe-Medigap (i-OEP) yeenyanga ezi-6 evulekileyo lelona xesha lililo lokubhalisa kuwo nawuphi na umgaqo-nkqubo weMedigap kubandakanya ne-Medigap Plan M. I-OEP yakho yeMedigap iqala inyanga oneminyaka engama-65 okanye nangaphezulu kwaye ubhalise kwi-Medicare Part B.

Isizathu sokubhalisa ngexesha le-OEP yakho kukuba iinkampani zeinshurensi zabucala ezithengisa imigaqo-nkqubo yeMedigap azinakukukhanyela kwaye kufuneka zikunike elona zinga liphezulu lifumanekayo, nokuba imeko yakho injani. Elona zinga liphezulu lifumanekayo linokuxhomekeka kwizinto ezinje:

• ubudala
• isini
• Ubume obuxela ukuba utshatile okanye awutshatanga
• uhlala phi
• nokuba uyatshaya

Ukubhalisa ngaphandle kwe-OEP yakho kunokubangela imfuneko yokubhala ngonyango kwaye ukwamkelwa kwakho akusoloko kuqinisekisiwe.

Ukuthatha

Izicwangciso zokuncedisa kwiMedare (iMedigap) zinceda ekugubungeleni ezinye “zezikhewu” phakathi kweendleko zokhathalelo lwempilo kunye nokuba yintoni igalelo leMedicare kwezi ndleko.

NgeSicwangciso seMedigap M, uhlawula ipremiyamu esezantsi kodwa wabelana ngeendleko zecandelo lakho leMedareare A (isibhedlele) elitsalwayo, iMedare yecandelo B (umntu ongalaliswayo) exhuzulwayo, kunye neCandelo B.

Ngaphambi kokuzibophelela kwisicwangciso seMedigap M okanye nasiphi na isicwangciso seMedigap, jonga kwakhona iimfuno zakho kunye nearhente enelayisensi egxile kwizongezelelo zeMedare ukukunceda. Unokunxibelelana kwakhona neNkqubo yoNcedo lweinshurensi yezeMpilo kaRhulumente (SHIP) ngoncedo lwasimahla ekuqondeni imigaqo-nkqubo ekhoyo.

Eli nqaku lahlaziywa ngo-Novemba 19, 2020, ukubonisa ulwazi ngo-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.