Yintoni ekufuneka uyazi malunga nesiCwangciso sokuXhasa iMedarere K Ukubonelela

Umxholo

• Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare K?
• Kutheni usithenga isicwangciso soNyango lweMedare?
• Usebenza njani umda wokuphuma epokothweni ngonyaka?
• Yintoni engagutyungelwanga sisiCwangciso sokuXhasa iMedareare K
• Ukuthatha

Isicwangciso sokuXhasa iMedare K sesinye sezicwangciso ezili-10 ezahlukeneyo zeMedigap kunye nesinye sezicwangciso ezimbini zeMedigap ezinomda wokuphuma epokothweni minyaka le.

Izicwangciso zeMedigap zibonelelwa kumazwe amaninzi ukunceda ukuhlawulela ezinye zeendleko zokhathalelo lwempilo ezingagutyungelwanga yiMedicare yoqobo (Icandelo A kunye neCandelo B). Ukuba uhlala eMassachusetts, eMinnesota, okanye eWisconsin, imigaqo-nkqubo yeMedigap inegama lamagama ohlukileyo.

Ukulungela nasiphi na isicwangciso seMedigap, kuya kufuneka ubhalise kwi-Medicare yoqobo.

Makhe sifumanise ukuba yeyiphi i-Medicare Supplement Plan K egubungela, ayigubungeli, nokuba ingaba ilungile na kuwe.

Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare K?

Isicwangciso sokuXhaswa kweMedicare K sibandakanya oku kulandelayo kwi-Medicare Part A (i-inshurensi yesibhedlele) kunye ne-Medicare Icandelo B (iindleko zeinshurensi zonyango), kunye nezinye izinto ezongezelelweyo.

Nalu ulwahlulo lweendleko zeMedigap Plan K eya kuthi:

• Icandelo A ukuqinisekiswa kwemali kunye neendleko zesibhedlele ukuya kuthi ga kwiintsuku ezingama-365 ezongezelelweyo emva kokuba izibonelelo zeMedare ziphelile: 100%
• Icandelo A litsale: 50%
• Icandelo A lokhathalelo lwe-hospice okanye ukukhutshwa kwentlawulo: 50%
• igazi (iipunipoli zokuqala ezi-3): 50%
• ukhathalelo lweziko lokuqinisekisa ngononophelo: 50%
• Icandelo B ukuqinisekiswa kwemali okanye iikopi: 50%
• Icandelo B lichithwe: ayigutyungelwanga
• Icandelo B intlawulo engaphezulu: ayigutyungelwanga
• utshintshiselwano ngehambo lwangaphandle: ayigutyungelwanga
• Umda wokuphuma epokothweni:

  Kutheni usithenga isicwangciso soNyango lweMedare?

  Olunye lweempawu ezenza ukuba isiCwangciso sokuXhaswa kweMedare K sahluke kuninzi lwezinye iindlela zeMedigap ngumda wokuphuma epokothweni minyaka le.

  
  

  NgeMedicare yoqobo, akukho cap kwiindleko zakho zonyaka eziphuma epokothweni. Ukuthenga isiCwangciso sokuNcedisa iMedare K kunciphisa isixa semali oza kuyichitha kukhathalelo lwempilo ngexesha lonyaka. Oku kuhlala kubalulekile kubantu:

  • uneendleko eziphezulu zokhathalelo lonyango oluqhubekayo, rhoqo ngenxa yemeko yezempilo engapheliyo
  • Ufuna ukuthintela ifuthe lezemali kwimeko yexabiso likaxakeka elibiza kakhulu elingalindelekanga

  Usebenza njani umda wokuphuma epokothweni ngonyaka?

  Nje ukuba udibane nenxalenye yonyaka yeXesha B elitshixwayo kunye neMedigap yokuphuma epokothweni umda wonyaka, iipesenti ezili-100 zazo zonke iinkonzo ezigutyungelweyo unyaka wonke ziyahlawulwa ngesicwangciso sakho seMedigap.

  Oku kuthetha ukuba akufuneki ube nezinye iindleko zonyango ezingaphandle kweepokotho kunyaka, ukuba iinkonzo ziyagutyungelwa yiMedicare.

  Esinye isicwangciso seMedigap esibandakanya umda wokuphuma epokothweni unyaka nonyaka sisiCwangciso sokuXhasa iMedareare L. Nantsi imilinganiselo yokuphuma epokothweni kwezi zicwangciso zombini ngo-2021:

  • Isicwangciso soNyango lweMedicare K: $6,220
  • Isicwangciso soNyango lweMedare L: $3,110
  

  Yintoni engagutyungelwanga sisiCwangciso sokuXhasa iMedareare K

  Njengoko bekutshiwo ngaphambili, isiCwangciso K asiyibandakanyi iCandelo B elixhuzulwayo, iCandelo B lihlawulisiwe, okanye iinkonzo zokhathalelo lwempilo zangaphandle.

  
  

  Imigaqo-nkqubo yeMedigap nayo ayigubungeli umbono, amazinyo, okanye iinkonzo zokuva. Ukuba ufuna olu hlobo lokugubungela, qwalasela isicwangciso seMedicare Advantage (Icandelo C).

  Ukongeza, izicwangciso zokuncedisa kwiMedare azigubungeli amayeza amayeza okuthengisa ngaphandle. Ukufumana iyeza lonyango lokuya ngaphandle, uyakufuna isicwangciso esahlukileyo se-Medicare Part D okanye isicwangciso se-Medicare Advantage esi sigqubuthelo sibandakanyiwe.

  Ukuthatha

  Isicwangciso sokuXhasa iMedare K sokugubungela yenye yeendlela ezili-10 ezahlukeneyo zeMedigap zokuhlawulela ezinye zeendleko zokhathalelo lwempilo ezishiyekileyo kwingxelo yonyango yokuqala.

  Ngokudibeneyo nesiCwangciso sokuXhasa iMedicare L, sesinye sezicwangciso ezimbini zeMedigap ezibandakanya ikepusi malunga nokuba uza kuchitha malini kunyango oluvunyiweyo lweMedicare.

  Isicwangciso soNyango lweMedicare K asibandakanyi ukugubungela:

  • amayeza amiselweyo
  • zamazinyo
  • umbono
  • ukuva

  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.