Isicwangciso sokuXhaswa kweMedare njani F xa usithelekisa nesiCwangciso G?

Umxholo

• Yintoni i-inshurensi yokuxhasa iMedare (iMedigap)?
• Yintoni isiCwangciso sokuXhaswa kweMedicare F?
• Ngaba ndikulungele ukubhalisa kwi-Medicare Supplement Plan F?
• Ngubani onokubhalisa kwisiCwangciso F?
• Yintoni isiCwangciso sokuXhaswa kweMedicare G?
• Ngaba ndikulungele ukubhalisa kwi-Medicare Supplement Plan G?
• Isicwangciso F sithelekiswa njani nesiCwangciso G?
• Ingaba isicwangciso F noCwangciso G zibiza malini?
• Ukuthatha

I-Medigap, okanye i-inshurensi yokuxhasa i-Medicare, inokunceda ukuhlawulela izinto i-Medicare yoqobo engenayo. IMedigap ineeplani ezahlukeneyo onokukhetha kuzo, kubandakanya iSicwangciso F kunye nesiCwangciso G.

"Izicwangciso" zeMedigap zahlukile kwii-Medicare "zezahlulo," eziyimiba eyahlukeneyo yokugubungela iMedicare kwaye inokubandakanya:

• Icandelo le-Medicare Icandelo A (iinshurensi yesibhedlele)
• Icandelo le-Medicare Icandelo B (i-inshurensi yonyango)
• Icandelo leMedicare C (Uncedo lweMedicare)
• Icandelo le-Medicare Icandelo D (ukugubungela amayeza amayeza)

Ke, ziyintoni kanye kanye iSicwangciso seMedigap F kunye nesiCwangciso G? Kwaye bahlangana njani ngokuchasene? Qhubeka nokufunda njengoko singena nzulu kule mibuzo.

Yintoni i-inshurensi yokuxhasa iMedare (iMedigap)?

IMedigap ikwabizwa ngokuba yi-Medicare yokuxhasa i-inshurensi. Ingasetyenziselwa ukunceda ukuhlawulela iindleko zonyango ezingagqitywanga yi-Medicare yoqobo (iinxalenye A no-B).

I-Medigap yenziwe ngezicwangciso ezili-10 ezahlukeneyo, nganye ichongwe ngoonobumba: A, B, C, D, F, G, K, L, M, no-N.Isicwangciso ngasinye siquka iseti ethile yezibonelelo ezisisiseko, nokuba yeyiphi na inkampani ithengisa isicwangciso.

Nangona kunjalo, iindleko zesicwangciso ngasinye sinokuxhomekeka kwizinto ezininzi kubandakanya indawo ohlala kuyo kunye nexabiso elibekwe yinkampani nganye yeinshurensi.

Yintoni isiCwangciso sokuXhaswa kweMedicare F?

Isicwangciso seMedigap F sithathwa njengenye yezona zicwangciso zibandakanya iMedigap. Njengezinye izicwangciso zeMedigap, uya kuba nepremiyamu yenyanga nge-Plan F. Le mali iya kuxhomekeka kumgaqo-nkqubo othile owuthengileyo.

Uninzi lwezicwangciso zeMedigap azinakunqunyulwa. Nangona kunjalo, ukongeza kwisiCwangciso F esiqhelekileyo, nawe unokukhetha ukuthenga umgaqo-nkqubo oxhuzulelwa phezulu. Iipremiyamu zezi zicwangciso ziphantsi, kodwa kuya kufuneka uhlangane notsalo ngaphambi kokuba ingxelo iqale.

Ukuba ufanelekile ukuthenga iSicwangciso F, unokuthenga umgaqo-nkqubo usebenzisa isixhobo sokukhangela seMedicare. Oku kukuvumela ukuba uthelekise imigaqo-nkqubo eyahlukeneyo enikezelwa kwindawo yakho.

Isicwangciso seMedigap F sigubungela iipesenti ezili-100 kwezi ndleko zilandelayo:

• Icandelo A litsale
• Icandelo A ukuqinisekiswa kwemali kunye neendleko zepopay
• Icandelo B lichithwe
• Icandelo B ukuqinisekiswa kwemali kunye nokukopishwa
• Icandelo le-B yiprimiyamu
• Icandelo B iintlawulo ezingaphezulu
• igazi (iipunipoli zokuqala ezi-3)
• Iipesenti ezingama-80 zononophelo olungxamisekileyo xa uhamba kwilizwe langaphandle

Ngaba ndikulungele ukubhalisa kwi-Medicare Supplement Plan F?

Imigaqo yobhaliso yesiCwangciso F yatshintsha ngo-2020. Ukusukela nge-1 Januwari 2020, izicwangciso zeMedigap azisavunyelwa ukuba zigqibe i-Medicare Part B premium.

Ukuba ububhalisile kwisicwangciso seMedigap F ngaphambi ko-2020, uyakwazi ukugcina isicwangciso sakho kunye nezibonelelo ziya kuzukiswa. Nangona kunjalo, abo batsha kwi-Medicare abafanelekanga ukuba babhalise kwiSicwangciso F.

Ngubani onokubhalisa kwisiCwangciso F?

Imithetho emitsha yokubhaliswa kwesiCwangciso F imi ngolu hlobo lulandelayo:

• Isicwangciso F asifumaneki kuye nakubani na ofanelekileyo kwi-Medicare ngomhla okanye emva komhla kaJanuwari 1, 2020.
• Abantu ababesele begqunywe ngesiCwangciso F ngaphambi kuka-2020 bayakwazi ukugcina isicwangciso sabo.
• Nabani na owayefanelekile kwi-Medicare ngaphambi kukaJanuwari, 1, 2020 kodwa engenayo iPlani F usengayithenga, ukuba ikhona.

Yintoni isiCwangciso sokuXhaswa kweMedicare G?

Kuyafana nesiCwangciso F, iMedigap Plan G ibandakanya iindleko ezahlukeneyo; nangona kunjalo ayi gubungela i-Medicare Part B yakho.

Unepremiyamu yenyanga ngePlani G, kwaye into oyihlawulayo inokwahluka ngokuxhomekeke kumgaqo-nkqubo owukhethayo. Unokuthelekisa iipolisi zePlani G kwindawo yakho usebenzisa isixhobo sokukhangela seMedicare.

Kukho ukhetho olunokutsalwa oluphezulu kwiSicwangciso G. Kwakhona, izicwangciso ezinokutsalwa okuphezulu zineepremiyamu ezisezantsi, kodwa kuya kufuneka uhlawule isixa esitsalwayo ngaphambi kokuba iindleko zakho zigutyungelwe.

Isicwangciso seMedigap G sigubungela iipesenti ezili-100 zeendleko ezidweliswe ngezantsi:

• Icandelo A litsale
• Icandelo A ukuqinisekiswa kwemali kunye nokukopishwa
• igazi (iipunipoli zokuqala ezi-3)
• Icandelo B ukuqinisekiswa kwemali kunye nokukopishwa
• Icandelo B iintlawulo ezingaphezulu
• Iipesenti ezingama-80 zononophelo olungxamisekileyo xa uhamba kwilizwe langaphandle

Ngaba ndikulungele ukubhalisa kwi-Medicare Supplement Plan G?

Kuba iSicwangciso G asiyigubungeli i-Medicare Part B yexabiso, nabani na obhalise kwi-Medicare yoqobo angayithenga. Ukubhalisa kwisicwangciso G, kufuneka ube neMedicare yoqobo (icandelo A no-B).

Unokuqala ukuthenga umgaqo-nkqubo wokuncedisa kwi-Medicare ngexesha lokubhaliswa kokuqala kweMedigap. Eli lixesha leenyanga ezi-6 eliqala inyanga oba neminyaka engama-65 kwaye ubhalise kwi-Medicare Part B.

Abanye abantu banelungelo lokufumana i-Medicare ngaphambi kweminyaka engama-65. Nangona kunjalo, umthetho we-federal awufuni ukuba iinkampani zithengise imigaqo-nkqubo yeMedigap kubantu abangaphantsi kweminyaka engama-65.

Ukuba ungaphantsi kweminyaka engama-65, ngekhe ube nakho ukuthenga umgaqo-nkqubo othile weMedigap owufunayo. Ngamanye amaxesha, awunakho ukuthenga enye konke konke. Nangona kunjalo, amanye amazwe anikezela nge-Medicare SELECT, nolunye uhlobo lwesicwangciso seMedigap esifumanekayo kubantu abangaphantsi kweminyaka engama-65 ubudala.

Isicwangciso F sithelekiswa njani nesiCwangciso G?

Ke ezi zicwangciso zithelekiswa njani? Ngokubanzi, ziyafana kakhulu.

Zombini ezi zicwangciso zibonelela ngokugubungela ukuthelekiswa. Umahluko ophambili kukuba isiCwangciso F sigubungela i-Medicare Icandelo B xa kutsalwa xa iSicwangciso G singenzi.

Zombini ezi zicwangciso zinokhetho olunokutsalwa oluphezulu. Ngo-2021, oku kutsalwa kusetelwe kwi- $ 2,370, ekufuneka ihlawulwe ngaphambi kokuba umgaqo-nkqubo uqale ukuhlawulela izibonelelo.

Omnye umahluko omkhulu phakathi kwesiCwangciso F kunye nesiCwangciso G ngubani onokubhalisa. Nabani na obhalise kwi-Medicare yoqobo angabhalisela isiCwangciso G. Oku akuyonyani kwisiCwangciso F. Kuphela ngabo babefanelekile kwi-Medicare ngaphambi kukaJanuwari 1, 2020 abanokubhalisa kwiSicwangciso F.

Jonga iitafile ezingezantsi ukuthelekisa okubonakalayo kweSicwangciso F ngokuchasene neSicwangciso G.

Ingaba isicwangciso F noCwangciso G zibiza malini?

Kuya kufuneka uhlawule ipremiyamu yenyanga ngesicwangciso sakho seMedigap. Oku kongezwa kwipremiyamu yenyanga oyihlawulayo kwiCandelo B leMedare ukuba unesicwangciso G.

Imali yakho yenyanga yeprimiyamu inokuxhomekeka kumgaqo-nkqubo wakho othile, umboneleli wesicwangciso, kunye nendawo. Thelekisa amaxabiso omgaqo-nkqubo weMedigap kwindawo yakho ngaphambi kokuthatha isigqibo kwenye.

Apha ngezantsi kukho indleko yentloko ukuya entloko ngokuthelekisa isiCwangciso F kunye noCwangciso G kwimizekelo emine kwiidolophu zaseMelika.

Ayizizo zonke iindawo ezibonelela ngeendlela ezinokutsalwa, kodwa uninzi lwenza njalo.

Ukuthatha

I-Medigap yi-inshurensi yokuxhasa eyanceda ukuhlawula iindleko ezingagutyungelwanga yiMedicare yoqobo. Isicwangciso seMedigap F kunye noCwangciso G zimbini zezicwangciso ezili-10 ezahlukeneyo zeMedigap onokukhetha kuzo.

Isicwangciso F kunye neSicwangciso G ziyafana ngokufanayo ngokubanzi. Nangona kunjalo, ngelixa iSicwangciso G sifumaneka kuye nawuphina umntu omtsha kwi-Medicare, imigaqo-nkqubo ye-F ayinakuthengwa ngabo batsha kwi-Medicare emva koJanuwari 1, 2020.

Zonke izicwangciso zeMedigap zisemgangathweni, ke uyaqinisekiswa ukuba uza kufumana ingxelo efanayo esisiseko kumgaqo-nkqubo wakho nokuba yeyiphi na inkampani oyithengayo okanye apho uhlala khona. Nangona kunjalo, iipremiyamu zanyanga zonke zinokwahluka, ke thelekisa imigaqo-nkqubo emininzi ngaphambi kokuba uthenge.

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.