Isicwangciso sokuXhaswa kweMedicare G: Ngaba esi sisiCwangciso seMedigap kuwe?

Umxholo

• Yintoni i-Medicare supplement (Medigap) yesiCwangciso G?
• Iinkonzo zesicwangciso seMedigap G
• Umxhasi weSicwangciso seMedigap G
• Yintoni i-Medicare yokuxhasa (iMedigap) yokuCwangcisa uG?
• Ngaba isongezelelo seMedicare (iMedigap) siCwangcisa G njani?
• Ndingabhalisa nini kwi-Medicare supplement (Medigap) yesiCwangciso G?
• Ukuthatha

Isicwangciso seMedigap G sisicwangciso sokuncedisa kwiMedare esibonelela ngezibonelelo ezisibhozo kwezisithoba ezikhoyo ngeMedigap. Kwi-2020 nangaphaya, isiCwangciso G siya kuba sesona sicwangciso sibanzi sinikezelweyo.

I-Medigap Plan G yahlukile kwi-Medicare "part" - njenge-Medicare Part A (isibhedlele) kunye ne-Medicare Part B (inshorensi yezonyango).

Kuba "sisicwangciso," siyazikhethela. Nangona kunjalo, abantu abachaphazelekayo malunga neendleko zokuphuma epokothweni ezinxulumene nokhathalelo lwempilo zabo banokufumana izicwangciso zokuxhasa iMedare (iMedigap) ukhetho olunomtsalane.

Qhubeka ufunda ukuze ufumane okungakumbi malunga neSicwangciso seMedigap G, siyigubungela, kwaye ayenzi ntoni.

Yintoni i-Medicare supplement (Medigap) yesiCwangciso G?

Iinkampani zeinshurensi ezizimeleyo zithengisa izicwangciso zokuncedisa i-Medicare zokunceda ukunciphisa iindleko eziphuma epokothweni kwaye ngamanye amaxesha zihlawulela iinkonzo ezingafakwanga yiMedicare. Abantu bakwabiza ezi zicwangciso zeMedigap. Inkampani yeinshurensi iya kuyithengisa le inshurensi yokuxhasa iMedare.

Urhulumente wobumbano ufuna iinkampani zeinshurensi zabucala ukuba zibeke emgangathweni izicwangciso zeMedigap. Ngaphandle kukho iMassachusetts, Minnesota, kunye neWisconsin, abathi babeka izicwangciso ngendlela eyahlukileyo.

Uninzi lweenkampani zibiza izicwangciso ngoonobumba abakhulu A, B, C, D, F, G, K, L, M, no-N.

Imigaqo-nkqubo yeMedigap ifumaneka kuphela kwabo bane-Medicare yoqobo, eyinxalenye ye-Medicare A kunye no-B. Umntu one-Medicare Advantage akanakuba nesicwangciso seMedigap.

Umntu onesicwangciso seMedigap G uyakuhlawula ipremiyamu yesiGaba B seMedare, kunye nepremiyamu yenyanga ngePlani G. Kwakhona, umgaqo-nkqubo weMedigap ugubungela umntu ngamnye. Amaqabane akakwazi ukuthenga umgaqo-nkqubo kunye.

Iinkonzo zesicwangciso seMedigap G

• uninzi olubanzi lweMedigap
• kunciphisa ukuphuma epokothweni kunye neendleko ezingalindelekanga zabathathi-nxaxheba beMedare

Umxhasi weSicwangciso seMedigap G

• Ngokwesiqhelo eyona nto ibiza kakhulu yokugubungela iMedigap (ngoku iSicwangciso F asifumaneki)
• Ukutsalwa kwemali kunokunyuka ngonyaka

Yintoni i-Medicare yokuxhasa (iMedigap) yokuCwangcisa uG?

Oku kulandelayo ziindleko zokhathalelo lwempilo eziCwangcisiweyo zeMedicare G:

• Icandelo le-Medicare Icandelo le-coinsurance kunye neendleko zesibhedlele ukuya kwiintsuku ezingama-365 emva kokuba izibonelelo zomntu ze-Medicare zisetyenzisiwe
• Icandelo le-Medicare B lokuqinisekisa okanye ukuhlawulwa kwemali
• Iipunipoyi ezintathu zokuqala zegazi lotofelo-gazi
• Icandelo leMedicare Unonophelo lwe-hospice okanye i-copayments
• indawo yokunyamekela abantu abanezakhono
• Icandelo le-Medicare A litsaliwe
• I-Medicare Part B intlawulo engaphezulu (ukuba ugqirha uhlawulisa ngaphezulu kwesixa esivunyiweyo se-Medicare, esi sicwangciso siya kugubungela umahluko)
• Ukutshintshiselana kwamanye amazwe ukuya kuthi ga kwiipesenti ezingama-80

Zimbini iindleko ezingacwangciswanga nguGqirha Medicare G xa kuthelekiswa neplani F yangaphambili:

• Icandelo B lichithwe
• xa umda ophuma epokothweni kunye nokutsalwa rhoqo ngonyaka kwi-Medicare Icandelo B kugqityiwe

NgoJanuwari 1, 2020, utshintsho kwiMedare lwaluthetha ukuba isiCwangciso F kunye nesiCwangciso C sasuswa kubantu abatsha kwiMedicare. Ngaphambili, isiCwangciso F seMedare F yayisesona sicwangciso sincedisayo sigqibeleleyo nesithandwayo. Ngoku, isiCwangciso G sesona sicwangciso sibalaseleyo seenkampani zeinshurensi.

Ngaba isongezelelo seMedicare (iMedigap) siCwangcisa G njani?

Kungenxa yokuba isiCwangciso seMedicare G sinika ingxelo efanayo nokuba yeyiphi na i-inshurensi ebonelela ngesicwangciso, umahluko ophambili lixabiso. Iinkampani zeinshurensi aziboneleli ngezicwangciso ngeprimiyamu efanayo yenyanga, ke (ngokoqobo) ihlawula ukuyokujikeleza umgaqo-nkqubo wexabiso eliphantsi.

Zininzi izinto ezingena kwizinto ezihlawuliswa yinkampani yeinshurensi ngesiCwangciso G. Ezi zibandakanya:

• iminyaka yakho
• impilo yakho iyonke
• uhlala kweliphi ilizwe
• ukuba inkampani yeinshurensi inikezela ngezaphulelo kwizinto ezithile, njengokungatshayi okanye ukuhlawula unyaka nonyaka endaweni yenyanga

Nje ukuba umntu akhethe isicwangciso sokuncedisa kwi-Medicare, iimali ezitsalwayo zinokunyuka minyaka le. Nangona kunjalo, abanye abantu bakufumanisa kunzima ukutshintsha ingxelo yabo kuba bekhula (kwaye iipremiyamu kunokwenzeka ukuba ziphezulu) kwaye banokufumana ukutshintsha izicwangciso kubabiza ngaphezulu.

Kuba lo ngunyaka wokuqala isiCwangciso sokuNcedisa iMedicare G sesona sicwangciso sibanzi, kusenokwenzeka ukuba iinkampani zeinshurensi yezempilo zinokunyusa iindleko ngokuhamba kwexesha. Nangona kunjalo, ukhuphiswano kwindawo yentengiso yeinshurensi lunokunceda ukugcina amaxabiso esezantsi.

Ndingabhalisa nini kwi-Medicare supplement (Medigap) yesiCwangciso G?

Ungabhalisa kwisicwangciso sokuncedisa kwi-Medicare ngexesha lokubhalisa. Eli xesha-elithile kwizicwangciso zokuncedisa kwi-Medicare-liqala ngosuku lokuqala lwenyanga nina nobabini nineminyaka engama-65 kwaye nibhalise ngokusemthethweni kwi-Medicare Part B. Unazo ke iinyanga ezi-6 ukuba ubhalise kwisicwangciso sokuncedisa kwi-Medicare.

Ukubhalisa ngexesha lakho lokubhalisa elivulekileyo kunokugcina imali eninzi. Ngeli xesha, iinkampani zeinshurensi azivunyelwe ukusebenzisa ukubhala phantsi kwezonyango kwixabiso kumgaqo-nkqubo wakho. Oku kuthetha ukuba abanakukubuza malunga neemeko zakho zonyango okanye bangavumi ukukugubungela.

Ungabhalisa kwisicwangciso sokuncedisa kwi-Medicare emva kwesicwangciso sakho sokubhalisa esivulekileyo, kodwa iya isiba nzima. Ngelo xesha, uhlala ufuna amalungelo emicimbi aqinisekisiweyo. Oku kuthetha ukuba kukho into etshintshileyo ngezibonelelo zakho zeMedare ezazingaphandle kolawulo lwakho kwaye izicwangciso azinakukukhanyela. Imizekelo ibandakanya:

• Unesicwangciso seMedicare Advantage esingasafumanekiyo kwindawo yakho, okanye ushukume kwaye awunakufumana icebo lakho elifanayo leMedicare Advantage.
• Isicwangciso sakho sangaphambili sonyango sokwenza ubuqhetseba okanye sikulahlekise malunga nokugubungela, amaxabiso, okanye ezinye izinto.
• Isicwangciso sakho sangaphambili sonyango songezwa kwaye asiboneleli ngxelo kwakhona.
• Unesicwangciso sokuncedisa ngeMedicare, kodwa watshintshela kwi-Medicare Advantage. Ngaphantsi konyaka kamva, ungabuyela kwiMedicare yendabuko kunye nesicwangciso sokuncedisa kwiMedare.

Ngala maxesha, inkampani yeinshurensi yezempilo ayinako ukwala ukukunika umgaqo-nkqubo wokuncedisa kwi-Medicare.

• Sebenzisa Unyango.gov's Isixhobo sokufumana kunye nokuthelekisa imigaqo-nkqubo yeMedigap. Cinga ngeendleko zakho zenyanga zeinshurensi, ukuba ungabhatala malini, kwaye ukuba uneemeko zonyango ezinokunyusa iindleko zakho zonyango kwixesha elizayo.
• Nxibelelana neNkqubo yoNcedo lwe-Inshurensi yezeMpilo kaRhulumente (i-SHIP). Cela isikhokelo sokuthelekisa ireyithi.
• Iinkampani zeinshurensi zonxibelelwano ezicetyiswa ngabahlobo okanye usapho (okanye iinkampani ozisebenzisileyo ngaphambili). Cela isicatshulwa semigaqo-nkqubo yeMedigap. Buza ukuba ngaba banikezela ngezaphulelo ungakufanelekela (njengokungatshayi).
• Nxibelelana neSebe le-Inshurensi kaRhulumente. Cela uluhlu lweerekhodi zezikhalazo malunga neenkampani zeinshurensi, ukuba zikhona. Oku kunokukunceda ukhuphe iinkampani ezinokuba yingxaki kubaxhamli bazo.

Khumbula, ukugubungela iMedigap kumiselwe ngokomgangatho. Uya kufumana ingxelo efanayo ngaphandle kwenkampani yeinshurensi, kuxhomekeke kwimeko ohlala kuyo, kodwa ungahlawula kancinci.

Ukuthatha

Isicwangciso sokuncedisa iMedicare G, ekwabizwa ngokuba sisiCwangciso seMedigap G, ngoku sesona sicwangciso sigqibeleleyo sonyango senkampani yeinshurensi yezempilo.

Isicwangciso sinokukunceda ukunciphisa iindleko zakho zokuphuma epokothweni xa uneMedicare yoqobo.

Ukuba uza kuthenga umgaqo-nkqubo weSicwangciso G, ukubhalisa ngexesha lakho lokubhalisa elivulekileyo kunokwenzeka ukuba yeyona ndleko isebenzayo.

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.