Icandelo lonyango i-Medicare: Ligubungela ntoni nangakumbi

Umxholo

• Icandelo le-Medicare Icandelo B lokuhlawula ngaphezulu
• Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare G?
• Ukuqonda iMedigap
• Ukuthatha isigqibo kwisicwangciso seMedigap
• IMedigap eMassachusetts, eMinnesota naseWisconsin
• Ngawaphi amalungelo okukhutshwa aqinisekisiweyo?
• Yise kude

Isicwangciso sokuXhaswa kweMedicare G sigubungela isahlulo sakho sezibonelelo zonyango (ngaphandle kwesigulana esikhutshiweyo) esigutyungelwe yiMedicare yoqobo. Ikwabizwa ngokuba sisiCwangciso seMedigap uG.

I-Medicare yoqobo ibandakanya i-Medicare Icandelo A (i-inshurensi yesibhedlele) kunye ne-Medicare Icandelo B (i-inshurensi yezonyango).

Isicwangciso seMedigap G sesinye sezona zicwangciso zidumileyo ezili-10 ezikhoyo ngenxa yokugubungela ngokubanzi, kubandakanya ne-Part B yeentlawulo ezingaphezulu.

Qhubeka ufunda ukuze ufunde ngakumbi ngeCandelo leMedicare G kunye nokuba ligubungela ntoni.

Icandelo le-Medicare Icandelo B lokuhlawula ngaphezulu

Icandelo leMedicare B ligubungela kuphela ababoneleli ngezempilo abathatha inxaxheba kwiMedicare. Ukuba ukhetha umboneleli ongathathi nxaxheba kwi-Medicare, loo mboneleli angabiza ukuya kuthi ga kwiipesenti ze-15 ngaphezulu komgangatho oqhelekileyo weMedare.

Le ntlawulo yongezelelweyo ithathwa njengeCandelo B elingaphezulu kwentlawulo. Ukuba isicwangciso sakho seMedigap asigubungeli iCandelo B iintlawulo ezingaphezulu, uya kuhlawula epokothweni.

Yintoni efunwa sisiCwangciso sokuXhaswa kweMedicare G?

Nje ukuba uhlawule irhafu yakho, uninzi lwemigaqo-nkqubo yeMedigap igubungela i-coinsurance. Eminye imigaqo-nkqubo yeMedigap ikwahlawula i-deductible.

Ukuboniswa kwesiCwangciso sokuNcedisa iMedare G kubandakanya:

• Icandelo A ukuqinisekiswa kwemali kunye neendleko zesibhedlele emva kokuba izibonelelo zeMedare zisetyenzisiwe (ukuya kuthi ga kwiintsuku ezingama-365): iipesenti ezili-100
• Icandelo A lichithwe: iipesenti ezili-100
• Icandelo A lokhathalelo lwe-hospice okanye i-copayment: iipesenti ezili-100
• Icandelo B ukuqinisekiswa kwemali okanye ukukhutshwa kwentlawulo: iipesenti ezili-100
• Icandelo B lichithwe: alikho
• Icandelo B ukuhlawuliswa okungaphezulu: iipesenti ezili-100
• Unonophelo lweziko lokuqinisekisa ukhuseleko: iipesenti ezili-100
• igazi (iipilisi zokuqala ezi-3): iipesenti ezili-100
• utshintshiselwano lwangaphandle lokuhamba: iipesenti ezingama-80
• Umda wokuphuma epokothweni: awusebenzi

Ukuqonda iMedigap

Imigaqo-nkqubo yeMedigap, enje ngeMedicare Supplement Plan G, inceda ekugubungeleni iindleko zonyango ezingagutyungelwanga yiMedicare yoqobo. Le migaqo-nkqubo yile:

• kuthengiswa ziinkampani zeinshurensi zabucala
• kumiselwe imigangatho kwaye kulandelwe imithetho yomanyano kunye neyaseburhulumenteni
• ichongwe kumazwe amaninzi ngoonobumba abafanayo, kulo mzekelo, “G”

Umgaqo-nkqubo weMedigap ngowomntu omnye kuphela. Wena neqabane lakho ngamnye nifuna umgaqo-nkqubo ngamnye.

Ukuba ufuna umgaqo-nkqubo weMedigap, wena:

• kufuneka ube neMicrosoftare Part A kunye neCandelo B
• Awunakho ukuba nesicwangciso seMedicare
• uya kungena kwipremiyamu yenyanga (ukongeza kwiipremiyamu zakho zeMedicare)

Ukuthatha isigqibo kwisicwangciso seMedigap

Enye indlela yokufumana isicwangciso seinshurensi yokuncedisa i-Medicare ehambelana neemfuno zakho kukufumana "Fumana umgaqo-nkqubo weMedigap osebenzela wena" usetyenziso lokukhangela kwi-Intanethi. Ezi zixhobo zokukhangela ezikwi-Intanethi zimiselwe ngamaZiko aseMelika e-Medicare kunye neeNkonzo zeMedicaid (CMS).

IMedigap eMassachusetts, eMinnesota naseWisconsin

Ukuba uhlala eMassachusetts, eMinnesota, okanye eWisconsin, imigaqo-nkqubo yeMedigap ibekwe mgangatho ngokwahlukileyo kunakwamanye amazwe. Imigaqo-nkqubo yahlukile, kodwa uqinisekisile ngamalungelo emicimbi yokuthenga umgaqo-nkqubo weMedigap.

• EMassachusetts, izicwangciso zeMedigap zinesicwangciso esisisiseko kunye nesiCwangciso sokuNcedisa 1.
• EMinnesota, izicwangciso zeMedigap zinezicwangciso zezibonelelo ezisisiseko kunye nezandisiweyo.
• E-Wisconsin, izicwangciso zeMedigap zinesicwangciso esisiseko kunye neepesenti ezingama-50 kunye neepesenti ezingama-25 zokwabelana ngeendleko.

Ngolwazi oluneenkcukacha, ungasebenzisa "Fumana umgaqo-nkqubo weMedigap osebenzela wena" isixhobo sokukhangela okanye utsalele umnxeba isebe leinshurensi yelizwe.

Ngawaphi amalungelo okukhutshwa aqinisekisiweyo?

Amalungelo emicimbi aqinisekisiweyo (ekwabizwa ngokuba kukhuseleko lweMedigap) afuna ukuba iinkampani zeinshurensi zikuthengisele umgaqo-nkqubo weMedigap:

• igubungela iimeko zempilo esele zikho
• ayibizi mali ininzi ngenxa yeemeko zempilo ezidlulileyo nezangoku

Amalungelo emicimbi aqinisekisiweyo ahlala edlala xa ukhathalelo lwempilo lwakho lutshintsha, ngokungathi ubhalisile kwiCebo le-Medicare Advantage kwaye iyayeka ukunika ukhathalelo kwindawo yakho, okanye ukuba uthatha umhlala-phantsi kwaye ukhuseleko lwempilo yomqeshwa wakho luyaphela.

Ndwendwela eli phepha ngolwazi oluthe kratya kumalungelo emicimbi aqinisekisiweyo.

Yise kude

Isicwangciso sokuNcedisa iMedare G ngumgaqo-nkqubo weMedigap onceda ukuhlawula iindleko zonyango ezingagqitywanga yiMedicare yoqobo. Sesinye sezicwangciso zeMedigap ezibanzi, kubandakanya ukugubungela iindleko zeMedicare Part B ezigqithisileyo.

Imigaqo-nkqubo yeMedigap ibekwe emgangathweni ngokwahlukileyo eMassachusetts, Minnesota naseWisconsin. Ukuba uhlala kwelinye lala mazwe, kuya kufuneka uphonononge iminikelo yabo yeMedigap ukuze ufumane umgaqo-nkqubo ofana noMgaqo woNyango weMedicare G.

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.