Isicwangciso sokuNcedisa iMedare K: Ukuqonda iindleko

Umxholo

• Ixabisa malini isicwangciso sokuXhasa iMedicare K?
• Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare K?
• Ngubani onokubhalisa kwi-Medicare Supplement Plan K?
• Usithenga njani isicwangciso sokongeza amayeza?
• Ukuthatha

• Unyango lweMedare (iMedigap)Isicwangciso K sinceda ukuhlawula ezinye ze-inshurensi yakho yempilo.
• Umthetho waseburhulumenteni uqinisekisa ukuba nokuba uthengela phi iSicwangciso seMedigap K, iya kubandakanya ingxelo efanayo esisiseko.
• Iindleko zesicwangciso seMedigap K zinokwahluka ngokuhlala apho uhlala khona, xa ubhalisa, kunye nempilo yakho.

Isicwangciso sokuXhasa iMedare K senzelwe ukunceda ezinye zeendleko zokuphuma epokothweni eziza nesigubungelo semveli seMedare.

"Isicwangciso" seMedicare sahlukile "kumacandelo" eMedare - iinxalenye ziinkonzo zakho ezigutyungelweyo ngurhulumente kwaye izicwangciso zikhetha i-inshurensi yokuxhasa ezenziwa ziinkampani zabucala.

Kwakhona kwaziwa ngokuba yiMedigap, izicwangciso zokuncedisa kwi-Medicare zihamba kwiindawo zabo zokugubungela kunye neendleko. Eli nqaku liza kuthatha ukujonga okunzulu kwiindleko ezinxulumene nesiCwangciso sokuNcedisa iMedare.

Ixabisa malini isicwangciso sokuXhasa iMedicare K?

Amaziko e-Medicare kunye neeNkonzo zeMedicaid (CMS) ifuna ukuba iinkampani zeinshurensi zibonelele ngezicwangciso ezimiselweyo zeMedigap. Oku kuthetha ukuba iSicwangciso K sinika ingxelo efanayo eTennessee njengoko isenza eCalifornia.

Nangona kunjalo, ezi zicwangciso azimiswanga ngokwexabiso. Iinkampani zeinshurensi zinokubiza amaxabiso ahlukeneyo kwizicwangciso zeMedigap.

Iinkampani zihlala zithengisa amaxabiso ezicwangciso zeMedigap zisebenzisa enye yeemodeli ezintathu zamaxabiso:

• Ubudala obufikelelweyo bulinganisiwe. Ababhalisi bahlawula ipremiyamu eyonyukayo ngokusekwe kubudala babo. Le migaqo-nkqubo ihlala ingabizi kakhulu ekuqaleni ukuba umntu uyayithenga esemncinane kwindawo yokungena kwi-Medicare, emva koko inokubiza kakhulu njengoko umntu esiya esiba mdala.
• Ulinganiso loluntu. Iinkampani zeinshurensi azizisekeli ezi zicwangciso kubudala bomntu. Ipremiyamu inokunyuka ngokuhamba kwexesha, ngokunxulumene nokunyuka kwamaxabiso, nangona kunjalo.
• Iminyaka yobudala ikaliwe. Eyaziwa nangokuthi izicwangciso zokungeniswa kweminyaka yokungena, amaxabiso esicwangciso ahambelana nobudala bomntu xa wayethenga umgaqo-nkqubo. Inkampani yeinshurensi inokunyusa ipremiyamu yomgaqo-nkqubo esekwe kukunyuka kwamaxabiso, kodwa hayi kubudala obonyukayo bomntu.

Kubalulekile ukubuza ukuba inkampani ixabisa njani izicwangciso zayo, njengoko oku kuya kukunceda uqikelele isicwangciso sakho sendleko njengoko usiba mdala. Ezinye izicwangciso zikwabonelela ngezaphulelo, ezinjengokungatshayi, ukuhlawula ngokurhoxa ibhanki ngokuzenzekelayo, okanye ukuba nemigaqo-nkqubo emininzi nenkampani.

Iindleko zeSicwangciso sokuXhaswa kweMedicare K ziyahluka ngokwaseburhulumenteni nakwinkampani yeinshurensi. Ungafaka ikhowudi yakho ye-ZIP kwi-Medicare's Medigap finder ukuze ufumane ixabiso eliqikelelweyo ngexabiso lezicwangciso kwindawo yakho.

Jonga ezinye zeendlela zeMedigap Plan K kwiidolophu ezimbalwa ngaphesheya kweUnited States ngo-2021:

Njengoko ubona, iindleko eziqhelekileyo ziyahluka kakhulu ngokuxhomekeke kwindawo ohlala kuyo. Olu luhlu lukwabonisa uluhlu olubanzi lwamaxabiso asekwe kubudala bakho, isini, xa uthenga isicwangciso, ukusetyenziswa kwecuba, kunye nezinye izinto zempilo.

Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare K?

I-Medicare ifuna ukuba izicwangciso zeMedigap zibekwe emgangathweni. Oku kuthetha ukuba bagubungela amanqaku afanayo kwilizwe liphela. Imizekelo yesiCwangciso K siquka:

• Icandelo A ukuqinisekiswa kwemali kunye neendleko zesibhedlele ukuya kuthi ga kwiintsuku ezingama-365 emva kokuba umntu esebenzise izibonelelo zabo zeMedicare
• Iipesenti ezingama-50 zeCandelo A litsale
• Iipesenti ezingama-50 zeendleko zepesenti zokuqala ezintathu zomntu zegazi
• Iipesenti ezingama-50 zeCandelo A lokunyamekela abagulayo okanye iicopayments
• Iipesenti ezingama-50 ze-coinsurance yokunakekelwa kwezakhono zononophelo
• Iipesenti ezingama-50 zesahlulo somntu seCandelo B okanye i-copayments

Isicwangciso K asihlawuli ezinye izinto ezinokuthi zenziwe yiminye imigaqo-nkqubo yeMedigap. Imizekelo ibandakanya iSahlulo B esitsalwayo, Icandelo B iintlawulo ezingaphezulu, kunye notshintshiselwano ngohambo lwangaphandle.

Umda ophuma epokothweni kwi-Medicare Plan K uyi- $ 6,220 ngo-2021. Oku kuthetha ukuba wakuba uhlawule iSahlulo B sonyaka esitsalwayo kwaye uhlangane nesiCwangciso K seminyaka, umgaqo-nkqubo weMedigap uya kuhlawula iipesenti ezili-100 zeenkonzo ezivunyiweyo zeMedicare kwintsalela zonyaka wekhalenda.

Ngubani onokubhalisa kwi-Medicare Supplement Plan K?

Kufuneka ube neMedicare yoqobo ukuze uthenge isicwangciso sokuncedisa kwiMedicare. Iinkampani zeinshurensi azinakho ukubonelela ngezicwangciso zokuncedisa kwi-Medicare kwabo bane-Medicare Advantage.

Ukuba unayo iMedicare Part A kunye neMedicare Part B, ungabhalisa kwisicwangciso seMedigap. Ukongeza kwipremiyamu oyihlawulela iCandelo B, uya kuhlawula ipremiyamu yenyanga yeMedigap. Awunakho ukwabelana nomgaqo-nkqubo neqabane lakho - kufuneka ngamnye abe nepolisi yakhe.

Elona xesha lilungileyo lokufaka isicelo seSicwangciso seMedigap K lixesha lakho lokubhalisa eliphakathi. Le festile iqala ngosuku lokuqala lweCandelo B ukuba lisebenze kwaye lihlala ixesha leenyanga ezi-6.

Ngexesha lokungena kwakho okokuqala kwi-Medigap, iinkampani ze-inshurensi azinako ukuseka iindleko zakho kwiimeko esele zikho kwaye inkampani ayinako ukwala ukukunika umgaqo-nkqubo. Ngaphandle koko, unokuthenga ipolisi nangaliphi na ixesha, kodwa inkampani yeinshurensi inokufuna uviwo lonyango kuqala kwaye banokwala ukukugubungela.

Emva kwale festile, kunokubakho amaxesha apho "unelungelo lokuqinisekisa" amalungelo okuthenga umgaqo-nkqubo. Oku kunokubandakanya ukuba ulahlekelwe ngumsitho kwisicwangciso sakho sangaphambili sempilo. Nangona kunjalo, ngeli xesha, kuya kufuneka uphendule imibuzo malunga nembali yakho yezempilo enokuthi inyuse iindleko zesicwangciso.

Usithenga njani isicwangciso sokongeza amayeza?

I-Medicare ayifuni iinkampani ze-inshurensi ukuba zinikeze zonke izicwangciso. Ukuba inkampani yeinshurensi ikhetha ukuthengisa imigaqo-nkqubo yeMedigap, kufuneka inike ubuncinci isiCwangciso A.

Ukuba unqwenela ukuthenga isicwangciso seMedigap, unokhetho oluninzi:

• Ndwendwela i-Medicare.gov kwaye ukhangele izicwangciso zeMedigap ezikhoyo kwilizwe lakho okanye ngekhowudi ye-ZIP.
• Tsalela umnxeba iNkqubo yoNcedo lweinshurensi yezeMpilo kaRhulumente. Ikwabizwa ngokuba yi-SHIP, le arhente inceda abantu ngengcebiso ngezicwangciso ezikhoyo kwingingqi yakho.
• Tsalela umnxeba okanye undwendwele iarhente yeinshurensi kunye nenkampani yeinshurensi ongathanda ukuba ikowuti iphume kumgaqo-nkqubo weMedigap.

Xa kuziwa kwimigaqo-nkqubo yeMedigap, ihlawula ivenkile. Kuba ukugubungela kuyafana, ukuzama ukufumana umgaqo-nkqubo wexabiso eliphantsi kunokuba luncedo.

Khumbula ukubuza ukuba inkampani yeinshurensi ixabisa njani ipolisi. Ukuba umgaqo-nkqubo usekwe kubudala, unokufuna ukuqaphela ukuba iindleko zakho zingatshintsha njani njengoko usiba mdala.

Ukuthatha

Isicwangciso seMedare K sisinye isicwangciso sokongeza isicwangciso sokuNyanga. Ixabiso lingahluka ngokuya ngendawo, xa ubhalisa, ukuba inkampani i-inshurensi ixabisa njani imigaqo-nkqubo yayo kunye nokunye.

Ukuba unomdla kwi-Medigap Plan K, uhlawula ukuthenga nge-Intanethi, ngefowuni, okanye ngobuqu.

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.