Leliphi igalelo oLifumanayo ngeSicwangciso sokuXhasa iMedare?

Umxholo

• Yintoni egqunyiweyo phantsi kwesiCwangciso sokuXhaswa kweMedicare M?
• Yintoni engagutyungelwanga phantsi kwesiCwangciso seMedicare Supplement Plan M?
• Amachiza amiselweyo
• Izibonelelo ezongezelelweyo
• Umsebenzi wonyango wongeza njani umsebenzi?
• Ukukhetha
• Ukubekwa emgangathweni
• Ukufaneleka:
• Ukubonelela iqabane lakho
• Intlawulo
• Ukuthatha

Isicwangciso soNyango lweMedare (iMedigap) senziwe ukuba sinikezele ngeprimiyamu yenyanga ephantsi, eyimali oyihlawulayo kwisicwangciso. Ukutshintshiselana, kuya kufuneka uhlawule isiqingatha seCandelo A esibhedlele.

Isicwangciso seMedigap M sesinye sezibonelelo ezenziwe nguMthetho woNyango weMedicare, nowatyikitywa waba ngumthetho ngo-2003. Isicwangciso M sasenzelwe abantu abonwabileyo ngokwabelana ngeendleko kwaye abalindelanga ukutyelelwa rhoqo esibhedlele.

Funda ukuze ufunde ngento egqunyiweyo nengagutyungelwanga phantsi kweSicwangciso soNyango seMedare.

Yintoni egqunyiweyo phantsi kwesiCwangciso sokuXhaswa kweMedicare M?

Isicwangciso sokuXhaswa kweMedicare M kubandakanya oku kulandelayo:

Kubalulekile ukwazi ukuba ngelixa iSicwangciso N sihlawula iipesenti ezingama-100 zeCandelo B lakho, uya kuba ne-copay ukuya kuthi ga kwi-20 yeedola kutyelelo oluthile lweofisi ukuya kuthi ga kwiidola ezingama-50 zokutyelelwa kwamagumbi kaxakeka angakhokeleli kulwamkelo lwezigulana ezingalaliswayo.

Yintoni engagutyungelwanga phantsi kwesiCwangciso seMedicare Supplement Plan M?

Ezi zibonelelo zilandelayo ayigutyungelwanga phantsi kwesiCwangciso M:

• Icandelo B lichithwe
• Icandelo B iintlawulo ezingaphezulu

Ukuba ugqirha uhlawulisa umrhumo ngaphezu kwe-Medicare eyabelwe ireyithi, oku kubizwa ngokuba yiNgxenye B yentlawulo engaphezulu. Ngesicwangciso seMedigap M, unoxanduva lokuhlawula ezi ntlawulo zingaphezulu kweCandelo B.

Ukongeza koku kungafaniyo, kukho ezinye izinto ezimbalwa ezingagutyungelwanga nasiphi na isicwangciso seMedigap. Siza kuchaza ezo zilandelayo.

Amachiza amiselweyo

IMedigap ayivumelekanga ngokwasemthethweni ukuba ibonelele ngeziyobisi zonyango.

Nje ukuba une-Medicare yoqobo (Icandelo A kunye neCandelo B), unokuthenga i-Medicare Icandelo D kwinkampani yabucala yeinshurensi. Icandelo D lulongezo kwi-Medicare yoqobo enikezela ngogonyo lweziyobisi.

Izibonelelo ezongezelelweyo

Izicwangciso zeMedigap azikugubungeli umbono, amazinyo, okanye ukhathalelo lokuva. Ukuba loo nkcazo ibalulekile kuwe, unokufuna ukuqwalasela i-Medicare Advantage (Icandelo C), njengoko ezi zicwangciso zihlala zibandakanya ezi zibonelelo.

Njengakwi-Medicare Part D, uthenga isicwangciso se-Medicare Advantage kwinkampani yabucala yeinshurensi.

Kubalulekile ukuba wazi ukuba awunakuba nesicwangciso seMedigap kunye nesicwangciso seMedicare Advantage ngaxeshanye. Unokukhetha enye okanye enye.

Umsebenzi wonyango wongeza njani umsebenzi?

Imigaqo-nkqubo yeMedigap zizicwangciso ezimiselweyo ezikhoyo kwiinkampani zabucala zeinshurensi. Banceda ukuhlawula iindleko ezishiyekileyo kwi-Medicare Part A (i-inshurensi yesibhedlele) kunye neCandelo B (i-inshurensi yezonyango).

Ukukhetha

Kwimimandla emininzi, unokukhetha phakathi kwezicwangciso ezili-10 ezahlukeneyo zeMedigap (A, B, C, D, F, G, K, L, M, and N). Isicwangciso ngasinye sine-premium eyahlukileyo kunye neempawu ezahlukeneyo zokugubungela. Oku kukunika ubhetyebhetye ekukhetheni ukhuselo lwakho olusekwe kuhlahlo-lwabiwo mali kunye neemfuno zakho zokhathalelo lwempilo.

Ukubekwa emgangathweni

Ukuba uhlala eMassachusetts, eMinnesota, okanye eWisconsin, imigaqo-nkqubo yeMedigap- kubandakanya ukugubungela okunikezelwa ngeSicwangciso seMedigap M -imiselwe ngokwahlukileyo kunakwamanye amazwe kwaye inokuba namagama ahlukeneyo.

Ukufaneleka:

Kuya kufuneka kuqala ubhalise kwi-Medicare yoqobo ukuze ufaneleke kwi-Medicare Plan M okanye nasiphi na esinye isicwangciso seMedigap.

Ukubonelela iqabane lakho

Izicwangciso zeMedigap zigubungela umntu omnye kuphela. Ukuba wena neqabane lakho nobabini nibhalise kwi-Medicare yoqobo, kuya kufuneka ngamnye umgaqo-nkqubo wakho weMedigap.

Kule meko, wena neqabane lakho ninokukhetha izicwangciso ezahlukeneyo. Umzekelo, unokuba nesiCwangciso seMedigap M kwaye iqabane lakho linokuba neSicwangciso seMedigap C.

Intlawulo

Emva kokufumana unyango oluvunyiweyo lwe-Medicare kwimali evunyiweyo ye-Medicare:

1. Icandelo leMedicare A okanye iB liya kuhlawula isabelo salo seendleko.
2. Umgaqo-nkqubo wakho weMedigap uya kuhlawula isabelo saso sendleko.
3. Uya kuhlawula isabelo sakho, ukuba sikhona.

Umzekelo, ukuba utyelele isigulana emva kotyando kwaye une-Medicare Supplement Plan M, uyakubhatalela olo tyelelo ude uhlawule isigxina sakho sonyango se-Medicare Part B sonyaka.

Emva kokuba udibene nokutsalwa, i-Medicare ihlawula iipesenti ezingama-80 zononophelo lwakho lwangaphandle. Emva koko, isiCwangciso sokuXhaswa kweMedare M sihlawulela ezinye iipesenti ezingama-20.

Ukuba ugqirha wakho wotyando akawamkeli amaxabiso abelwe i-Medicare, kuya kufuneka uhlawule i-overage, eyaziwa njenge-Part B ehlawulisiweyo.

Ungajonga nogqirha wakho ngaphambi kokufumana ukhathalelo. Ngokomthetho, ugqirha wakho akavumelekanga ukuba ahlawulise ngaphezulu kweepesenti ezili-15 ngaphezulu kwesixa esivunyiweyo seMedicare.

Ukuthatha

Isicwangciso seMedicare M sinokukunceda ekuhlawuleni iindleko zonyango ezingafakwanga phantsi kweMedicare yoqobo (icandelo A no-B). Njengazo zonke izicwangciso zeMedigap, isiCwangciso sokuXhaswa kweMedicare M asifihla amayeza amiselweyo okanye izibonelelo ezongezelelweyo, ezinje ngamazinyo, umbono, okanye 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.