Isicwangciso sokuXhaswa kweMedare F: Ngaba siyahamba?

Umxholo

• Ukuba ndinesicwangciso seMedigap F, ndingasigcina?
• Yintoni iSicwangciso F?
• Kutheni le nto abanye abantu benokubhalisa kwi-Medicare Supplement Plan F?
• Ngaba zikhona ezinye izicwangciso zeMedigap ezifanayo?
• Ukuthatha

• Ukususela ngo-2020, izicwangciso zeMedigap azisavunyelwa ukuba zigubungele i-Medicare Part B.
• Abantu abatsha kwi-Medicare ngo-2020 abanakubhalisa kwisicwangciso F; Nangona kunjalo, abo sele benesicwangciso F banokuyigcina.
• Ezinye izicwangciso zeMedigap zibonelela ngokugubungela okufanayo kwiSicwangciso F.

I-inshurensi yokuncedisa iMedare (iMedigap) luhlobo lomgaqo-nkqubo weinshurensi ye-Medicare enokukunceda ukuhlawula iindleko ezithile ezingafakwanga yi-Medicare yoqobo (iinxalenye A no-B).

Isicwangciso F sinye yeendlela zeMedigap. Nangona kukho utshintsho kulo ngo-2020, esi sicwangciso sithandwayo asizukuhambela wonke umntu. Kodwa abanye abantu abasayi kuphinda babhalise kuyo.

Qhubeka ufunda ukuze ufunde ngakumbi.

Ukuba ndinesicwangciso seMedigap F, ndingasigcina?

Abantu abasele bebhalisile kwisiCwangciso F banokuyigcina. Imigaqo-nkqubo yeMedigap iqinisekisiwe ukuba iya kuhlaziywa ukuba ugcina ubhaliso kwaye uhlawule ipremiyamu yenyanga ehambelana nomgaqo-nkqubo wakho.

Yintoni iSicwangciso F?

I-Medicare yoqobo ihlawula malunga neepesenti ezingama-80 zeendleko ezinxulumene nokhathalelo lwempilo. Imigaqo-nkqubo eyongezelelweyo yeinshurensi enje ngeMedigap inokunceda ekuhlawuleni iindleko ezishiyekileyo, ngamanye amaxesha kunciphisa kakhulu inkcitho epokothweni.

Phantse umntu omnye kwabane abane-Medicare yoqobo nabo banomgaqo-nkqubo weMedigap. Le migaqo-nkqubo ithengiswa ziinkampani zabucala kwaye zinxulunyaniswa nepremiyamu eyongezelelweyo yenyanga.

Isicwangciso F sesinye sezicwangciso ezili-10 ezimiselweyo zeMedigap. Ukongeza kwinguqu esemgangathweni, ukhetho olunokutsalwa oluphezulu luyafumaneka kwezinye iindawo. Olu khetho lunepremiyamu yenyanga esezantsi, kodwa kuya kufuneka uhlangane nokutsalwa kwe- $ 2,340 ngo-2020 ngaphambi kokuba umgaqo-nkqubo uqale ukuhlawula iindleko.

Kuzo zonke izicwangciso zeMedigap, isiCwangciso F sesona siquka konke. Isicwangciso F sigubungela iipesenti ezili-100 kwezi ndleko zilandelayo:

• Icandelo le-Medicare A litsaliwe
• Icandelo le-Medicare Icandelo lokuqinisekisa kunye neendleko zesibhedlele
• Icandelo le-Medicare Icandelo leziko lokonga elinesiqinisekiso
• Icandelo le-Medicare Icandelo lokuqinisekiswa kwe-hospice kunye neepopay
• Icandelo le-Medicare B lichithwe
• Icandelo le-Medicare Icandelo B lokuqinisekisa kunye nokukopisha
• Icandelo le-Medicare Icandelo B lokuhlawula ngaphezulu
• Igazi (iipunipoli ezintathu zokuqala)

Isicwangciso F sikwabandakanya iipesenti ezingama-80 zeemfuno zonyango xa usiya ngaphandle kweUnited States.

Kutheni le nto abanye abantu benokubhalisa kwi-Medicare Supplement Plan F?

Ngenxa yomthetho omtsha, izicwangciso zeMedigap azisavumelekanga ukuba zigubungele i-Medicare Part B. Olu tshintsho luqale ukusebenza ngoJanuwari 1, 2020.

Lo mthetho mtsha uchaphazele ezinye izicwangciso zeMedigap ezigubungela iSahlulo B ekutsalwa kuso, kubandakanya iSicwangciso F. Oku kuthetha ukuba abantu ababhalise kwi-Medicare ngo-2020 nangaphaya abasayi kuphinda babhalise kwiSicwangciso F.

Ukuba ubulungele iMedare ngaphambi kukaJanuwari 1, 2020, kodwa ungabhalisanga ngelo xesha, usenakho ukuthenga umgaqo-nkqubo weSicwangciso F.

Ngaba zikhona ezinye izicwangciso zeMedigap ezifanayo?

Ezinye izicwangciso zeMedigap zinezibonelelo ezifanayo kwiSicwangciso F. Ukuba ufanelekile kwi-Medicare ngo-2020 kwaye ungathanda ukuthenga umgaqo-nkqubo weMedigap, qwalasela ezi zicwangciso zilandelayo:

• Cwangcisa uG
• Cwangcisa uD
• Cwangcisa uN

Itheyibhile engezantsi ithelekisa isicwangciso F sokugubungela ezi zicwangciso zeMedigap.

Ukuthatha

Isicwangciso F yenye yeendidi ezili-10 zezicwangciso zeMedigap. Iquka ububanzi benkcitho engahlawulwanga yiMedicare yoqobo.

Ukuqala ngo-2020, imithetho emitsha iyathintela imigaqo-nkqubo yeMedigap ekugubungeleni iXesha leMedicare B. Ngenxa yoku, abantu abatsha kwi-Medicare ngo-2020 abayi kuba nakho ukubhalisa kwiSicwangciso F. Abo sele benesicwangciso F, kwelinye icala, banokuyigcina.

Ezinye izicwangciso zeMedigap zibonelela ngenkxaso efanayo nePlani F, kubandakanya iSicwangciso G, isiCwangciso D, kunye nesiCwangciso N. Ukuba uza kubhalisa kwiMedicare kulo nyaka, ukuthelekisa imigaqo-nkqubo eyahlukeneyo yeMedigap enikezelwa kwindawo yakho kunokukunceda ufumane eyona nkxaso iimfuno zakho.

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.