Ngaba isiCwangciso sokuXhaswa kweMedare N sisicwangciso seMedigap sakho?

Umxholo

• Yintoni isiCwangciso sokuXhaswa kweMedicare N?
• Yintoni i-Medicare supplement (Medigap) yokuCwangcisa i-N?
• Izibonelelo zesicwangciso seMedigap N
• Ukungancedi kwesicwangciso seMedigap N
• Ngaba ndivumelekile kwisicwangciso seMedigap N?
• Ixabisa malini isiCwangciso sokuXhasa iMedare?
• Ukuthatha

Ukuba ufanelekile kwi-Medicare, isongezelelo se-Medicare okanye isicwangciso se- "Medigap" sinika i-inshurensi yokuxhasa eyongezelelweyo. Isicwangciso seMedigap N "sisicwangciso" hayi "icandelo" le-Medicare, njengeCandelo A kunye neCandelo B, eligubungela iimfuno zakho ezisisiseko zonyango.

Isicwangciso soNyango lweMedare N siluhlobo olunye lomgaqo-nkqubo weinshurensi onokuwuthenga ukunceda ukuthoba iindleko zonyango. Ezi zicwangciso zinokugubungela iindleko ezinje ngeepremiyamu, iikopi kunye nokudonswa kwemali.

Ukukhetha isicwangciso seMedigap kunokudideka kuba izicwangciso ezahlukeneyo zibonelela ngamanqanaba ohlukileyo okugubungela kunye nezibonelelo. Ukuqonda ezi zibonelelo kunokukunceda ukhethe isicwangciso seMedigap esikulungele.

Yintoni isiCwangciso sokuXhaswa kweMedicare N?

Njengezinye iiplani ze-Medigap, isiCwangciso N luhlobo olulawulwa ngasese lwe-inshurensi yokuncedisa i-Medicare. Yenzelwe ukukunceda ukogquma iindleko ezithile ezingaphandle kweepokotho kukhathalelo lwakho lwempilo i-Medicare Icandelo A kunye ne-Medicare Icandelo B elingagubungeliyo.

Isicwangciso N sigubungela izinto ezinje ngeMedicare Part A isiqinisekiso semali, imali ekufuneka uyihlawule epokothweni yeenkonzo kunye nokunyamekela isibhedlele, kunye neMedicare Part B yeemali zokunyamekela abaguli. Ukuba uchitha ixesha elininzi ngonyaka kwi-coinsurance kunye neepopay, i-Medicare Supplement Plan N inokuzihlawula ngokukhawuleza.

Isicwangciso seMedigap Imigaqo-nkqubo iyafuneka ngokomthetho ukuba ibekwe emgangathweni. Oko kuthetha ukuba nokuba yeyiphi na inkampani oyithengayo iSicwangciso seNcediso seMedicare N kuyo, kufuneka inike ingxelo efanayo.

Ayizizo zonke izicwangciso zeMedigap ezikhoyo kuyo yonke indawo. Isicwangciso N akufuneki sithengiswe kuwo onke amazwe, kwaye iinkampani zeinshurensi ezithengisa imigaqo-nkqubo yokuncedisa iMedare zingakhetha ukuba ziyithengise phi iipolisi zePlani N.

Ukuba uhlala eMassachusetts, eMinnesota, okanye eWisconsin, ukubekwa emgangathweni kwezicwangciso zeMedigap kungahluka.

Yintoni i-Medicare supplement (Medigap) yokuCwangcisa i-N?

IMedigap igubungela kuphela iinkonzo ezivunyiweyo zeMedare. Ke ngoko, ayizukugubungela izinto ezinje ngononophelo lwexesha elide, umbono, amazinyo, izixhobo zokuva, iiglasi zamehlo, okanye ubuhlengikazi babucala.

Icandelo lonyango leMedicare iCandelo N ligubungela iindleko zoku kulandelayo:

• Icandelo le-Medicare A litsaliwe
• Icandelo le-Medicare Icandelo lokuqinisekiswa kwemali kwaye isibhedlele sihlala kwiintsuku ezingama-365
• Icandelo lonyango i-Medicare Part B yokunyamekela abaguli kunye neenkqubo zonyango
• Icandelo leMedicare B likopa kwiiofisi zababoneleli ngezempilo
• utofelo-gazi (ukuya kuthi ga kwiipunipoli zokuqala ezi-3)
• ukhathalelo lwempilo yabantu abagulela ukufa
• Iipesenti ezingama-80 zeendleko zokhathalelo lwempilo xa usiya ngaphandle kwe-United States

IsiCwangciso sokuNcedisa iMedicare N asiyigubungeli imali etsalwayo kwiCandelo leMedare B. Oku kungenxa yotshintsho kumthetho weMedare othintela zonke izicwangciso zeMedigap zokugubungela i-Medicare Part B.

Ngelixa isiCwangciso seMedigap N sigubungela iipesenti ezili-100 zesiCwangciso B semali yakho, unoxanduva lokundwendwela ugqirha ukuya kuthi ga kwiidola ezingama-20 kunye negumbi likaxakeka lokutyelela ii-copays ze- $ 50.

Isicwangciso N siyafana kwizicwangciso F no-G, kodwa kunokuba kubiza kakhulu. Abanye abantu, isiCwangciso N sinokuba sisisombululo esineendleko zokugubungela iMedigap.

Izibonelelo zesicwangciso seMedigap N

• Iipremiyamu zanyanga zonke zibiza ngaphantsi kweeplani ze-Medigap F kunye no-G, ezibonelela ngokugubungela okufanayo
• igubungela icandelo lakho leMedicare A ngokuthe ngqo
• igubungela iipesenti ezingama-80 zeendleko zakho ukuba ufuna ukhathalelo lwempilo xa usiya ngaphandle kwe-United States

Ukungancedi kwesicwangciso seMedigap N

• iikopi ezinokubakho ze- $ 20 kwagqirha kunye ne- $ 50 kwigumbi likaxakeka
• ayigubungeli i-Medicare Part B yakho, kodwa akukho zicwangciso zintsha zeMedigap
• kusenokufuneka uhlawule “iindleko ezingaphezulu” ukuba umboneleli wakho wezempilo uhlawulisa ngaphezu kokuba uMhlawumbi eza kuhlawula

Ngaba ndivumelekile kwisicwangciso seMedigap N?

Ukuba ubhalisile kumacandelo e-Medicare A kunye no-B, uvumelekile ukuthenga iSicwangciso N ukuba sikhona kwilizwe lakho. Njengazo zonke izicwangciso zeMedigap, kuya kufuneka uhlangane nemigangatho yobhaliso kunye nexesha elibekiweyo.

Ungabhalisa kuso nasiphi na isicwangciso sokuncedisa kwi-Medicare, kubandakanya isiCwangciso N, ngexesha lokuqala lokubhalisa xa uneminyaka engama-65 ubudala. Ukuba uthenga iMedigap ngelo xesha, umnikezeli wakho weinshurensi akanakulahla ukuthengisa umgaqo-nkqubo osekwe kwimbali yakho yonyango.

Ngokwethiyori, ungathenga isicwangciso sokuncedisa kwi-Medicare nangaliphi na ixesha. Emva kokuba ixesha lakho lokuqala lokubhalisa liphelile, kukho ithuba lokuba umboneleli weinshurensi angala ukuthengisa iSicwangciso N.

Akukho mali ihlawulwayo okanye isohlwayo esivela kurhulumente womanyano olunxulunyaniswa nezicwangciso zokuncedisa kwiMedare. Nangona kunjalo, ukuba ugqirha wakho akayithathi isabelo seMedare, unokuba noxanduva lokuhlawulisa ngaphezu kwemali iMedare eya kuhlawula ngayo, nangona unomgaqo-nkqubo weMedigap.

Isicwangciso N asigubungeli iCandelo leMedicare D (iindleko zokuhlawulwa kweziyobisi).

Ngokomthetho, awunakho ukuthenga isicwangciso seMedigap ukuba unayo i-Medicare Advantage. Nangona kunjalo, kunyaka wokuqala ubhalise kwi-Medicare Advantage, unokutshintsha kwi-Medicare Advantage uye kwi-Medicare yoqobo ngesicwangciso seMedigap.

Ixabisa malini isiCwangciso sokuXhasa iMedare?

Kukho intlawulo yenyanga ngenyanga yezicwangciso zokuncedisa kwi-Medicare. Iindleko zakho zePlani N zingahluka ngokuxhomekeke kwindawo ohlala kuyo kunye nenkampani yeinshurensi othenga kuyo umgaqo-nkqubo.

Ukufumana uqikelelo lokuba uza kuhlawula malini kwiSicwangciso N kwindawo yakho, ungaya kwisixhobo sokufumana isicwangciso seMedicare kwaye ufake ikhowudi yakho ye-ZIP.

Ukukhetha isicwangciso seMedigap kunokuba nzima kuba awunakuhlala ucinga ukuba iindleko zakho zonyango ziya kuba njani kwixesha elizayo. Cinga le mibuzo ilandelayo xa ujonga izicwangciso zokuncedisa kwi-Medicare:

• Ngaba uyabetha okanye udlule kwiCandelo le-Medicare lonyaka elincitshisiweyo? Iindleko zizonke zonyaka zeeprimiyamu zeSicwangciso N zinokuba ngaphezulu okanye ngaphantsi kunerhafu oqhele ukuyihlawula.
• Ukuba udibanisa iindleko ezinje ngeekopisha, ukutyelelwa kwamagumbi kaxakeka, kunye notofelo-gazi, uchitha malini ngonyaka? Ukuba wahlula elo nani nge-12 kwaye ingaphezulu kwepremiyamu yenyanga yePlani N, isicwangciso sokuxhasa sinokukugcinela imali.
• Ngaba okwangoku ukwithuba lokubhalisa elivulekileyo le-Medicare elenzeka xa uneminyaka engama-65? Ukubhalisela isicwangciso seMedigap ngexesha lobhaliso oluvulekileyo kunokuba lithuba lakho lokuthenga iMedigap xa imeko yakho yezempilo kunye nembali yezonyango ingenakusetyenziselwa ukwala isicelo sakho.

Ukuthatha

Isicwangciso sokuXhasa iMedicare N sisicwangciso esithandwayo seMedigap esigubungela uninzi lweendleko zakho zokuphuma epokothweni kwiMedicare.

Njengazo zonke izicwangciso zokuncedisa kwi-Medicare, iSicwangciso seMedigap N sinezinto ezintle nezingalunganga, kwaye iindleko ziya kwahluka ngokuxhomekeka apho uhlala khona.

Ukuba unemibuzo malunga nezinto onokukhetha kuzo okanye ufuna ukufunda banzi, ungatsalela umnxeba simahla kwi-Medicare kule nombolo 800-MEDICARE (633-4227) okanye uqhakamshelane neofisi yakho ye-SHIP yendawo.

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.