Isicwangciso sokuNcedisa iMedare K Isishwankathelo

Umxholo

• Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare K?
• Yintoni isibonelelo sonyaka ophuma epokothweni?
• Ngaba zikhona ezinye izicwangciso zeMedigap ezinomda wokuphuma epokothweni ngonyaka?
• Yintoni kanye kanye iMedigap?
• Ukuthatha

I-inshurensi yokuncedisa i-Medicare, okanye iMedigap, inceda ukuhlawula ezinye zeendleko zononophelo lwempilo ezihlala zishiyekile kumacandelo e-Medicare A no-B.

Isicwangciso sokuXhasa iMedare K sesinye sezicwangciso zokuncedisa kwiMedare ezinikezela umda ophuma epokothweni ngonyaka.

Qhubeka ufunda ukuze ufunde ngakumbi ngesi sicwangciso, noko sikugubungelayo, kwaye ngoobani abanokuxhamla kuso.

Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare K?

Uninzi lwemigaqo-nkqubo yeMedigap igubungela iindleko zonyango zeemali emva kokuba uhlawule irhafu yonyaka. Abanye bahlawula nokutsalwa.

Isicwangciso sokuNcedisa iMedare K kubandakanya:

• Ukuhlawulwa kweepesenti ezingama-100 kwiCandelo A kwiimali zeemali kunye neendleko zesibhedlele ukuya kwiintsuku ezingama-365 ezongezelelweyo emva kokuba izibonelelo zeMedare zisetyenzisiwe
• 50% yokugubungela:
  • Icandelo A litsale
  • Icandelo A lokhathalelo lwe-hospice okanye ukukhutshwa kwentlawulo
  • igazi (iipunipoli zokuqala ezi-3)
  • ukhathalelo lweendawo zononophelo lwezakhono
  • Icandelo B ukuqinisekiswa kwemali okanye iikopi
• Ayifakwanga kubhengezo:
  • Icandelo B lichithwe
  • Icandelo B iintlawulo ezingaphezulu
  • utshintshiselwano lokuhamba lwangaphandle

Umda wokuphuma epokothweni kwi-2021 yi- $ 6,220. Emva kokuba udibene neCandelo B lonyaka olitsalelweyo kunye nomyinge ophuma epokothweni ngonyaka, iipesenti ezili-100 zeenkonzo ezigutyungelweyo unyaka wonke zihlawulwa nguMedigap.

Yintoni isibonelelo sonyaka ophuma epokothweni?

Akukho siciko kwiindleko zakho zonyaka zonyango kunye nonyango lokuqala. Abantu abathenga isicwangciso seMedigap benza njalo ukunciphisa umyinge wemali echithwe kukhathalelo lwempilo ngexesha lonyaka.

Oku kunokuba kubalulekile kubantu:

• unesimo esinganyangekiyo sempilo esineendleko eziphezulu zokuqhubekeka kwezonyango
• Ndifuna ukulungiselelwa xa imeko yexakeka engalindelekanga ebiza kakhulu

Ngaba zikhona ezinye izicwangciso zeMedigap ezinomda wokuphuma epokothweni ngonyaka?

Isicwangciso sokuXhasa iMedare K kunye noCwangciso L zizicwangciso ezimbini zeMedigap ezibandakanya umda ophuma epokothweni minyaka le.

• Cwangcisa umda wokuphuma epokothweni: $ 6,220 ngo-2021
• Cwangcisa umda wokuphuma epokothweni: $ 3,110 ngo-2021

Kuzo zombini izicwangciso, emva kokuba udibene neCandelo B lonyaka elincitshisiweyo kunye nomda wakho wonyaka ophuma epokothweni, iipesenti ezili-100 zeenkonzo ezigutyungelweyo unyaka wonke zihlawulwa sisicwangciso sakho sokuxhasa iMedicare.

Yintoni kanye kanye iMedigap?

Ngamanye amaxesha kubhekiswa kuyo njenge-inshurensi yokuxhasa i-Medicare, umgaqo-nkqubo weMedigap unceda ukuhlawula iindleko zonyango ezingafakwanga yi-Medicare yoqobo. Kwisicwangciso seMedigap, kufuneka:

• une-Medicare yoqobo, eyi-Medicare Icandelo A (i-inshurensi yesibhedlele) kunye ne-Medicare Icandelo B (i-inshurensi yezonyango)
• unomgaqo-nkqubo wakho weMedigap (umntu omnye kuphela ngomgaqo-nkqubo)
• Bhatala ipremiyamu yenyanga ukongeza kwiipremiyamu zakho zeMedicare

Imigaqo-nkqubo yeMedigap ithengiswa ziinkampani zeinshurensi zabucala. Le migaqo-nkqubo ibekwe emgangathweni kwaye ilandela imithetho yomanyano kunye neyaseburhulumenteni.

Kwiindawo ezininzi, zichongwa ngoonobumba abafanayo, ngoko ke isiCwangciso soNyango seMedare siyakuba njalo kwilizwe liphela, ngaphandle kwala mazwe alandelayo:

• EMassachusetts
• IMinnesota
• IWisconsin

Ungathenga kuphela umgaqo-nkqubo weMedigap ukuba uneMedicare yoqobo. IMedigap kunye neMedicare ayikwazi zisetyenziswe kunye.

Ukuthatha

Isicwangciso sokuXhasa iMedare K ngumgaqo-nkqubo weMedigap onceda ukuhlawula iindleko zonyango ezishiyekileyo kwi-Medicare yoqobo. Esinye sezicwangciso ezibini ezinikezela umda wokuphuma epokothweni ngonyaka.

Umda ophuma epokothweni onyaka kunokuba luncedo ukuba:

• unesimo esinganyangekiyo sempilo esineendleko eziphezulu zokuqhubekeka kwezonyango
• Ufuna ukulungela iimeko zonyango ezingalindelekanga ezinokubiza kakhulu

Ukuba uziva ngathi umgaqo-nkqubo weMedigap sisigqibo esifanelekileyo kwiimfuno zakho zokhathalelo lwempilo, qiniseka ukuba ujonga zonke iinketho zomgaqo-nkqubo wakho. Ndwendwela i-Medicare.gov ukuthelekisa imigaqo-nkqubo yeMedigap ukufumana eyona ikulungeleyo.

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.