Konke malunga nesiCwangciso sokuXhasa iMedarere N Coverage

Umxholo

• Iinkcukacha zesicwangciso soNyango lweMedare
• Yintoni engagutyungelwanga phantsi kwesiCwangciso sokuXhasa iMedareare N?
• Isebenza njani iMedigap?
• Ukukhetha
• Ukubekwa emgangathweni
• Intlawulo
• Ukufaneleka:
• Umtshato womtshato
• Ukufumana umgaqo-nkqubo weMedigap
• Yise kude

Isicwangciso sokuXhasa iMedare senzelwe abantu abazimiseleyo ukuhlawulela iikopi ezithile kunye nokuncitshiswa okuncinci konyaka ukuze babe nexabiso eliphantsi (isixa osibhatalelayo isicwangciso).

Isicwangciso sokuXhasa iMedigap N siquka:

• Iipesenti ezingama-20 ezingenayo i-Medicare Part B.
• Isibhedlele sakho sitsaliwe.
• Ukukhutshwa kwesibhedlele sakho kunye nokuqinisekiswa kwemali.
• Iipesenti ezingama-80 zeenzuzo zongxamiseko lwangaphandle.

Qhubeka ufunda ukuze ufunde okungakumbi malunga nesiCwangciso sokuXhasa iMedareare N - esikugubungelayo kwaye esingasebenziyo- kunye nendlela yokuthenga enye.

Iinkcukacha zesicwangciso soNyango lweMedare

Isicwangciso sokuXhaswa kweMedare N kubandakanya:

• Iipesenti ezili-100 zeCandelo A le-coinsurance kunye neendleko zesibhedlele ukuya kwiintsuku ezingama-365 ezongezelelweyo emva kokuba izibonelelo ze-Medicare zisetyenzisiwe.
• Iipesenti ezili-100 zeCandelo A lichithwe.
• Iipesenti ezili-100 zeCandelo lokunakekelwa kwe-hospice okanye i-copayment.
• Iipesenti ezili-100 zepesenti ezintathu zokuqala zegazi.
• Iipesenti ezili-100 zononophelo lwezibonelelo zononophelo.
• Iipesenti ezili-100 zeCandelo B lokuqinisekisa okanye ukuhlawulwa kwemali.
• Iipesenti ezingama-80 zotshintshiselwano lwangaphandle.

Ayigubungeli:

• Icandelo lakho B linokutsalwa.
• Icandelo lakho B ukuhlawula ngaphezulu.

Isicwangciso sokuXhaswa kweMedare N, iipesenti ezili-100 zesahlulo B semali esihlawulwayo sihlawulwa ngaphandle kweedola ezingama- $ 50 zokundwendwela igumbi elingxamisekileyo ezingakhokeleli kulwamkelo lwezigulana ezingalaliswanga, kunye nokuhlawulwa kwee- $ 20 zeofisi ethile. utyelelo.

Yintoni engagutyungelwanga phantsi kwesiCwangciso sokuXhasa iMedareare N?

Isicwangciso seMedicare N asiquki:

• Imigqaliselo
• Umbono
• Amazinyo
• Ukuva

Ukuba ufuna unyango lweziyobisi, unokuthenga i-Medicare Icandelo D.

Ukuba ungathanda amazinyo, umbono kunye nokuvalelwa, jonga isiCwangciso seNzuzo ye-Medicare. Nangona kunjalo, nceda uqaphele ukuba awunakuba nesicwangciso seMedigap kunye nesicwangciso seAdvanced Advantage.

Isebenza njani iMedigap?

Imigaqo-nkqubo yeMedigap iyafumaneka ukunceda ukuzalisa umsantsa phakathi kwento ehlawulwa nguMedare yokuqala kunye nento oyihlawulayo kunyango.

Ukukhetha

Kukho izicwangciso ezili-10 ezahlukeneyo zeMedigap (A, B, C, D, F, G, K, L, M, N) zonke ezibonisa ukugquma okungafaniyo kwaye zineepremiyamu ezahlukeneyo. Olu khetho lukuvumela ukuba ukhethe ugubungela ngokweemfuno zakho kunye nohlahlo-lwabiwo mali

Ukubekwa emgangathweni

Izicwangciso zeMedigap zimiselwe ngendlela efanayo kwi-47 yama-50. Ukuba uhlala eMassachusetts, eMinnesota, okanye eWisconsin, imigaqo-nkqubo yeMedigap (kubandakanya ne-Medicare Supplement Plan ye-N) ikumgangatho owahlukileyo ngokwahlukileyo.

Intlawulo

Xa ufumana unyango oluvunyiweyo lwe-Medicare:

1. I-Medicare ihlawula isabelo sayo semali evunyiweyo ye-Medicare.
2. Umgaqo-nkqubo wakho weMedigap uhlawula isahlulo sawo.
3. Uhlawula isabelo sakho (ukuba sikhona).

Ukufaneleka:

Ukulungela nasiphi na isicwangciso seMedigap, kubandakanya neNkqubo yokuNyanga iMedicare N, kuya kufuneka ube neMedicare Part A yokuqala (i-inshurensi yesibhedlele) kunye neMedicare Part B (iinshurensi yezonyango)

Umtshato womtshato

Isicwangciso sakho seMedigap sikugubungela kuphela. Umlingane wakho, ukuba kufanelekile kwi-Medicare, kuya kufuneka athenge umgaqo-nkqubo owahlukileyo.

Ukufumana umgaqo-nkqubo weMedigap

Nje ukuba ube neMedicare yoqobo, ungathenga umgaqo-nkqubo weMedigap kwinkampani yeinshurensi. Ukukhetha isicwangciso esithile kunye nenkampani yeinshurensi, abantu abaninzi banxibelelana nelungu losapho elithembakeleyo, umhlobo onomgaqo-nkqubo wangoku weMedigap, okanye iarhente yeinshurensi.

Abanye banokunxibelelana ne-SHIP yabo yelizwe (iNkqubo ye-Inshurensi yezeMpilo kaRhulumente) ukufumana isikhokelo. Inqanawa yakho kufuneka ikwazi ukubonelela ngoncedo lwasimahla ekukhetheni umgaqo-nkqubo kunye nesikhokelo sokulinganisa izinga leMedigap.

Urhulumente wakho unenkampani engaphezulu kwe-inshurensi ethengisa imigaqo-nkqubo yeMedigap. Rhoqo, iindleko zokugubungela ezifanayo ziyahluka kwinkampani ziye kwinkampani.

Yise kude

Isicwangciso sokuXhaswa kweMedicare N sisigqubuthelo yenye yeendlela ezili-10 ezikumgangatho ofanayo wokunceda ukugcwalisa "izikhewu" kukhuselo lokuqala lweMedare. Kukhetho kubantu abafuna ukhuselo olubanzi kodwa, ukuthoba iipremiyamu zabo, bazimisele ukuhlawulela ezinye iikopi kunye nokuncitshiswa okuncinci konyaka.

Njengazo zonke izicwangciso zeMedigap, isiCwangciso sokuXhasa iMedarere N sokugubungela asibandakanyi amayeza amiselweyo. Ukuba ufuna i-inshurensi kagqirha unokuthenga i-Medicare Part D. Isicwangciso se-Medicare N asiyigubungeli amazinyo, umbono, okanye ukuva.

Ukuba ufuna ukukhutshwa kwezi nkonzo, qwalasela isicwangciso se-Medicare Advantage. Unokuba nesicwangciso seMedicare Advantage okanye iSicwangciso seMedigap; ngekhe ubenazo zombini.