Isicwangciso seMedigap G: Ukwaphula iindleko ze-2021

Umxholo

• Ixabisa malini iSicwangciso sokuXhasa iMedicare G?
• Iipremiyamu zarhoqo ngenyanga
• Ukutsalwa
• Iikopi kunye noqinisekiso lwemali
• Iindleko eziphuma epokothweni
• Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare G?
• Ngaba isiCwangciso sokuXhaswa kweMedare G lukhetho olufanelekileyo ukuba awukwazi ukufumana iSicwangciso F?
• Ngubani onokubhalisa kwi-Medicare Supplement Plan G?
• Ungasithenga phi isiCwangciso sokuXhasa iMedicare G?
• Ungalufumana phi uncedo ekukhetheni isicwangciso seMedigap
• Ukuthatha

I-Medicare yinkqubo ye-inshurensi yezempilo exhaswa ngemali eyenziwe ngamalungu aliqela, nganye inikezela ngeendlela ezahlukeneyo zokugubungela:

• Icandelo le-Medicare Icandelo A (iinshurensi yesibhedlele)
• Icandelo le-Medicare Icandelo B (i-inshurensi yonyango)
• Icandelo leMedicare C (Uncedo lweMedicare)
• Icandelo le-Medicare Icandelo D (ukugubungela amayeza amayeza)

Ngelixa i-Medicare igubungela iindleko ezininzi, kukho izinto ezithile ezingagutyungelwanga. Ngenxa yoku, malunga nabantu abane-Medicare banolunye uhlobo lwe-inshurensi eyongezelelweyo.

I-Medigap yi-inshurensi eyongezelelekileyo enokuthi igubungele ezinye izinto i-Medicare engenayo. Malunga nabantu ababhalise kumacandelo e-Medicare A kunye no-B nabo babhalisiwe kumgaqo-nkqubo weMedigap.

I-Medigap ineeplani ezili-10 ezahlukeneyo, nganye nganye inikezela ngeendlela ezahlukeneyo zokugubungela. Esinye sezicwangciso sisiCwangciso G.

Funda njengoko sixoxa ngeendleko ezinxulumene nesiCwangciso G, ungabhalisa njani, kunye nokunye.

Ixabisa malini iSicwangciso sokuXhasa iMedicare G?

Masidilize ezinye zeendleko ezinxulumene nesiCwangciso G.

Iipremiyamu zarhoqo ngenyanga

Ukuba ubhalisa kwisicwangciso seMedigap, kuya kufuneka uhlawule ipremiyamu yenyanga. Oku kuya kuba kukongeza kwi-premium yakho yenyanga ye-Medicare Part B.

Ngenxa yokuba iinkampani zeinshurensi zabucala zithengisa imigaqo-nkqubo yeMedigap, iipremiyamu zanyanga zonke ziya kwahluka ngokomgaqo-nkqubo. Iinkampani zinokukhetha ukuseta iipremiyamu zazo ngeendlela ezahlukeneyo. Iindlela ezintathu eziphambili abazibekela zona iipremiyamu zezi:

• Uluntu lukaliwe. Wonke umntu onepolisi uhlawula ipremiyamu efanayo ngenyanga, nokuba umdala kangakanani.
• Iminyaka yobudala ikaliwe. Iipremiyamu zarhoqo ngenyanga zibekelwa iminyaka yakho xa uthenga ipolisi yakho. Abantu abathenga besebancinci baya kuba neepremiyamu ezisezantsi zenyanga.
• Ubudala obufikelelweyo bulinganisiwe. Iipremiyamu zenyanga zibekelwa iminyaka yakho yangoku. Ngenxa yoku, iipremiyamu zakho ziya kunyuka ngokuya usiba mdala.

Ukutsalwa

Ngelixa isiCwangciso G sigubungela i-Medicare Part A etsalelweyo, ayiyigubungeli i-Medicare Part B.

Imigaqo-nkqubo yeMedigap ayinayo eyokutsalwa. Oku kunokwahluka kwisiCwangciso G. Ukongeza kwisiCwangciso G esiqhelekileyo (ngaphandle kokutsalwa), ukhetho olunokutsalwa oluphezulu luyafumaneka.

Isicwangciso esitsalwe kakhulu ku-G sihlala sineeprimiyamu ezisezantsi zenyanga. Nangona kunjalo, kuya kufuneka uhlawule i-deductible ye- $ 2,370 ngaphambi kokuba umgaqo-nkqubo wakho uqale ukuhlawulela izibonelelo. Kukwakho nokuncitshiswa konyaka okongezelekileyo kweenkonzo zikaxakeka ezisetyenziswa ngexesha lokuhamba kwamanye amazwe.

Iikopi kunye noqinisekiso lwemali

Isicwangciso G sigubungela ukukopishwa kunye nokuqinisekiswa kwemali okuhambelana namacandelo e-Medicare A kunye no-B. Ukuba unomgaqo-nkqubo weSicwangciso G, awuyi kuba noxanduva lwezi ndleko.

Iindleko eziphuma epokothweni

Kukho izinto ezithile ezingafakwanga yiMedigap, nangona oku kungohluka ngomgaqo-nkqubo. Xa inkonzo ingagutyungelwanga, kuyakufuneka uhlawule iindleko ngaphandle kweepokotho.

Eminye imizekelo yeenkonzo ezingafakwanga kwimigaqo-nkqubo yeMedigap yile:

• Unonophelo lwexesha elide
• zamazinyo
• umbono, kubandakanya iiglasi zamehlo
• izixhobo zokuva
• ukhathalelo lwabucala

Ngokungafaniyo nezinye izicwangciso zeMedigap, isiCwangciso G asinasiphelo esiphuma epokothweni.

Makhe sijonge imizekelo emithathu yezixeko ukuvavanya isicwangciso G kwi-2021:

Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare G?

Isicwangciso seMedigap G sisicwangciso esibandakanya konke. Ibandakanya iipesenti ezili-100 zezi ndleko zilandelayo:

• Icandelo le-Medicare A litsaliwe
• Icandelo le-Medicare Icandelo lokuqinisekisa
• Medicare Icandelo A iindleko zesibhedlele
• Icandelo le-Medicare Icandelo lokufumana imali okanye i-copay
• indawo yokuhlala yabongikazi
• igazi (iipunipoli zokuqala ezi-3)
• Icandelo le-Medicare Icandelo B okanye u-copay
• iindleko ezingaphezulu ezinxulumene neMedicare Icandelo B

Ukongeza, isiCwangciso G sigubungela iipesenti ezingama-80 zeenkonzo zempilo ezibonelelwa ngexesha lokuhamba kwamanye amazwe.

Izicwangciso zeMedigap zibekiwe emgangathweni, oko kuthetha ukuba inkampani nganye kufuneka inike ingxelo efanayo esisiseko. Xa uthenga umgaqo-nkqubo weSicwangciso G, kuya kufuneka ufumane zonke izibonelelo ezidweliswe apha ngasentla ngaphandle kwenkampani oyithenga kuyo.

Ngaba isiCwangciso sokuXhaswa kweMedare G lukhetho olufanelekileyo ukuba awukwazi ukufumana iSicwangciso F?

Isicwangciso F sesona sicwangciso sibandakanya zonke izicwangciso zeMedigap. Nangona kunjalo, ngubani onokubhalisa atshintshile ukuqala nge-2020.

Olu tshintsho lubangelwa kukuba izicwangciso zeMedigap ezithengiselwe abo batsha kwiMedare azisakwazi ukuhlawula i-Medicare Part B deductible, ebandakanyiweyo kwiSicwangciso F.

Abo sele benesicwangciso F okanye bebebatsha kwi-Medicare ngaphambi kukaJanuwari 1, 2020 basenokuba nomgaqo-nkqubo wesiCwangciso F.

Isicwangciso G sinokuba lukhetho olufanelekileyo ukuba umtsha kwi-Medicare kwaye awunakho ukubhalisa kwi-Plan F. Umahluko kuphela ekubambeni phakathi kwezi zimbini kukuba isiCwangciso G asiyigubungeli i-Medicare Part B.

Ngubani onokubhalisa kwi-Medicare Supplement Plan G?

Ungaqala uthenge umgaqo-nkqubo weMedigap ngexesha lokubhalisa okuvulekileyo kweMedigap. Eli lixesha leenyanga ezi-6 eziqala inyanga uneminyaka engama-65 okanye ngaphezulu kwaye ubhalise kwi-Medicare Part B.

Ezinye izikhokelo zobhaliso ezinxulunyaniswa neMedigap zibandakanya:

• Imigaqo-nkqubo yeMedigap igubungela umntu omnye, ke iqabane lakho liya kufuna ukuthenga eyayo ipolisi.
• Umthetho waseburhulumenteni awudingi ukuba iinkampani zithengise imigaqo-nkqubo yeMedigap kwabo bangaphantsi kweminyaka engama-65. Ukuba ungaphantsi kweminyaka engama-65 kwaye ufanelekile kwi-Medicare, ngekhe ukwazi ukuthenga umgaqo-nkqubo weMedigap owufunayo.
• Awunakho ukuba nomgaqo-nkqubo weMedigap kunye nomgaqo-nkqubo we-Medicare Part C (i-Medicare Advantage). Ukuba ufuna ukuthenga umgaqo-nkqubo weMedigap, kuya kufuneka ubuyele kwi-Medicare yoqobo (icandelo A no-B).
• Imigaqo-nkqubo yeMedigap ayinakho ukugubungela amayeza amiselweyo. Ukuba ungathanda ukugubungela iziyobisi, kuya kufuneka ubhalise kwisicwangciso seMedicare Part D.

Imigaqo-nkqubo yeMedigap iqinisekisiwe ukuba iyavuseleleka, nokuba unayo okanye akunazo iingxaki zempilo. Oku kuthetha ukuba umgaqo-nkqubo wakho awunakucinywa logama nje uqhubeka nokubhaliswa kwaye uhlawula iipremiyamu zakho.

Ungasithenga phi isiCwangciso sokuXhasa iMedicare G?

Iinkampani zeinshurensi zabucala zithengisa imigaqo-nkqubo yeMedigap. Ungasebenzisa isixhobo sokukhangela seMedicare ukufumana ukuba zeziphi izicwangciso ezinikezelwa kwindawo yakho.

Uya kudinga ukufaka ikhowudi yakho ye-ZIP kwaye ukhethe indawo yakho ukuze ubone izicwangciso ezikhoyo. Isicwangciso ngasinye siya kudweliswa kunye nenqanaba lenyanga leprimiyamu, ezinye iindleko ezinokubakho, kwaye yintoni kunye nengagutyungelwanga.

Unokujonga kwakhona kwiinkampani ezibonelela ngesicwangciso ngasinye kunye nendlela abazibeka ngayo iipremiyamu zabo zenyanga. Kuba iindleko zomgaqo-nkqubo weMedigap zinokwahluka ngokwenkampani, kubaluleke kakhulu ukuthelekisa imigaqo-nkqubo emininzi yeMedigap ngaphambi kokukhetha enye.

Ungalufumana phi uncedo ekukhetheni isicwangciso seMedigap

Ungasebenzisa ezi zixhobo zilandelayo ukukunceda ukhethe isicwangciso seMedigap:

• Isixhobo sokukhangela kwi-Intanethi. Thelekisa iiplani zeMedigap usebenzisa isixhobo sokukhangela seMedare.
• Fowunela amayeza ngqo. Tsalela umnxeba ku-800-633-4227 ngayo nayiphi na imibuzo okanye iinkxalabo ezinxulumene neMedicare okanye iMedigap.
• Nxibelelana nesebe leinshurensi yakho. Amasebe einshurensi kaRhulumente anokunceda ukukunika ulwazi ngezicwangciso zeMedigap kwilizwe lakho.
• Nxibelelana neNkqubo yoNcedo lwe-Inshurensi yezeMpilo kaRhulumente (i-SHIP). Iinqanawa zinceda ukubonelela ngolwazi kunye neengcebiso kwabo babhalisayo okanye benza utshintsho kubume babo.

Ukuthatha

• Isicwangciso seMedigap G sisicwangciso sokuncedisa i-inshurensi. Iquka iintlobo zeendleko ezingagqitywanga ngamacandelo e-Medicare A kunye no-B, njengesiqinisekiso semali, ii-copays kunye nezinye izinto ezinokutsalwa.
• Ukuba uthenga umgaqo-nkqubo weSicwangciso G, uyakuhlawula ipremiyamu yenyanga nenyanga, enokwahluka kwinkampani ebonelela ngomgaqo-nkqubo. Oku kongezwe kwiPremiyamu yakho yenyanga yonyango.
• Ezinye iindleko zibandakanya i-Medicare Part B etsalwayo kunye nezibonelelo ezingagutyungelwanga yiMedigap, ezinje ngamazinyo kunye nombono. Ukuba unesiCwangciso G esitsalwe kakhulu, kuyakufuneka uhlawule imali etsalwayo ngaphambi kokuba umgaqo-nkqubo wakho uqale ukuhlawula iindleko.
• Isicwangciso G sinokuba lukhetho olufanelekileyo ukuba awuvumelekanga ukuthenga iSicwangciso F. Umahluko kuphela phakathi kwezicwangciso zibini kukuba iSicwangciso G asiyigubungeli i-Medicare Part B.

Funda eli nqaku ngeSpanish

Eli nqaku lahlaziywa ngo-Novemba 16, 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.