Kodi Ndingasinthe kuchokera ku Medicare Advantage kupita ku Medigap?

Zamkati

• Kodi pali kusiyana kotani pakati pa Medicare Advantage ndi Medigap
• Kodi Medicare Advantage ndi chiyani?
• Ubwino wa Dongosolo Lopindulitsa la Medicare
• Zoyipa za Medicare Advantage Plan
• Kodi Medigap ndi chiyani?
• Ubwino wa dongosolo la Medigap
• Zoyipa zamalingaliro a Medigap
• Ndingasinthe liti kuchokera ku Medicare Advantage kupita ku Medigap?
• Malangizo posankha dongosolo la Medicare
• Kutenga

• Medicare Advantage ndi Medigap onse amagulitsidwa ndi makampani a inshuwaransi wamba.
• Amapereka maubwino a Medicare kuphatikiza pazomwe chimayambira Medicare.
• Simungalembetse ku Medicare Advantage ndi Medigap, koma mutha kusintha pakati pamalingaliro awa munthawi yolembetsa.

Ngati muli ndi Medicare Advantage, mutha kusinthana ndi Medigap panthawi yolembetsa windows. Medicare Advantage ndi Medigap ndi zitsanzo za mitundu yosiyanasiyana ya inshuwaransi yomwe mungakhale nayo - osati nthawi yomweyo.

Ngati mukufuna kusintha kuchokera ku Medicare Advantage kupita ku Medigap, Nazi zomwe muyenera kudziwa kuti izi zichitike.

Kodi pali kusiyana kotani pakati pa Medicare Advantage ndi Medigap

Medicare Advantage ndi Medigap onse ndi ma inshuwaransi a Medicare omwe amaperekedwa ndi makampani a inshuwaransi; komabe, amapereka mitundu yosiyanasiyana yophimba.

Medicare Advantage (Part C) imalowetsa kufalitsa koyambirira kwa Medicare (gawo A ndi B), pomwe Medigap (Medicare supplement) imapereka maubwino omwe amawononga ndalama zakuthupi monga ma copays, coinsurance, ndi ma deductibles.

Mutha kungolembetsa ku Medicare Advantage kapena Medigap - osati onse awiri, kuti mumvetsetse kusiyanasiyana kwamapulogalamu awiriwa a Medicare ndikofunikira mukamagula chithandizo cha Medicare.

Kodi Medicare Advantage ndi chiyani?

Amadziwikanso kuti Medicare Part C, mapulani a Medicare Advantage amapereka malo ophatikizira m'malo mwa Medicare - Medicare Part A (kuchipatala kapena odwala omwe akukhala kuchipatala), ndi Medicare Part B (chithandizo chamankhwala ndi kufalitsa nkhani). Ndondomeko za Medicare Advantage zitha kuphatikizanso mankhwala a Medicare Part D komanso kufotokozera za zinthu monga mano, masomphenya, kumva, ndi zina zambiri.

Anthu ena amawona kuti kulipira kamodzi pamwezi kumakhala kosavuta kumvetsetsa ndipo nthawi zambiri kumakhala kopanda ndalama, ndipo anthu ambiri amasangalala ndi ntchito zowonjezera zomwe mapulani a Medicare Advantage amapereka.

Kutengera ndi kampaniyo ndikukonzekera komwe mungasankhe, mapulani ambiri a Medicare Advantage amachepetsa omwe amakupatsani mwayi wopezeka kwa iwo okhawo omwe ali maukonde awo. Medicare Advantage itha kukhala yovuta kwambiri kuposa Medicare yoyambirira ngati munthu yemwe ali ndi pulani ya Medicare Advantage akuyenera kukawona akatswiri azachipatala.

Ubwino wa Dongosolo Lopindulitsa la Medicare

• Mapulani a Medicare Advantage atha kukhala ndi ntchito zina zachikhalidwe za Medicare, monga masomphenya, mano, kapena mapulogalamu azaumoyo.
• Mapulaniwa atha kupereka phukusi lomwe limafanizidwa ndi anthu omwe ali ndi matenda ena osatha omwe amafunikira chithandizo.
• Zolingazi zikuphatikizira kupezeka kwa mankhwala osokoneza bongo.
• Mapulani a Medicare Advantage atha kukhala otsika mtengo ngati munthu angafunikire kuwona mndandanda wa omwe akuvomerezedwa pachipatala cha Medicare Advantage.

Zoyipa za Medicare Advantage Plan

• Zolinga zina zimachepetsa madotolo omwe mungawawone, omwe atha kubweretsa kuwononga ndalama mutawona dokotala yemwe sali pa intaneti.
• Anthu ena omwe akudwala kwambiri amatha kupeza kuti Medicare Advantage ndiyokwera mtengo kwambiri chifukwa cha ndalama zomwe zikupezeka m'thumba ndipo amafunika kuwona omwe sangakwanitse kutsatira dongosolo lina.
• Zolinga zina sizingakhalepo kutengera komwe kuli munthu.

Mutha kulowa nawo Medicare Advantage mutakwanitsa zaka 65 komanso mutatha kulembetsa ku Medicare Part A ndi B. Ngati muli ndi matenda omaliza a renal (ESRD), mutha kungolowa nawo pulani yapadera ya Medicare Advantage yotchedwa Special Needs Plan (SNP) ).

Kodi Medigap ndi chiyani?

Mapulani owonjezera a Medicare, omwe amatchedwanso Medigap, ndi njira ya inshuwaransi yomwe imathandizira kubisalira ndalama zamatumba monga ndalama zandalama, ma copay, ndi, zochotseredwa.

Mapulani a Medigap amagulitsidwa ndi makampani abizinesi a inshuwaransi, ndipo pokhapokha mutagula dongosolo lanu la Medigap Januware 1, 2006, satenga mankhwala akuchipatala. Ngati musankha Medigap, muyenera kulembetsa mu Medicare Part D kukonzekera kuti mupatsidwe mankhwala.

Ndondomeko ya Medigap ndiyowonjezera ku Medicare Part A ndi Part B. Mudzalipirabe ndalama zanu za Medicare Part B kuphatikiza pa Medigap premium.

Ubwino wa dongosolo la Medigap

• Mapulani a Medigap amakhala okhazikika, zomwe zikutanthauza kuti ngati mungasunthe, mutha kusunga zomwe mumalemba. Simuyenera kupeza dongosolo latsopano monga momwe mumakhalira ndi Medicare Advantage.
• Zolingazi zitha kuthandiza kuthandizira kuchipatala komwe Medicare salipira, zomwe zimachepetsa mavuto azachuma amunthu.
• Ngakhale mapulani a Medigap amatha ndalama zambiri kumapeto kuposa mapulani a Medicare Advantage, ngati munthu adwala kwambiri, amatha kuchepetsa ndalama.
• Mapulani a Medigap nthawi zambiri amalandiridwa m'malo onse omwe amatenga Medicare, kuwapangitsa kukhala ocheperako kuposa mapulani a Medicare Advantage.

Zoyipa zamalingaliro a Medigap

• Mapulani a Medigap amafunika kulipira ndalama zowonjezera za inshuwaransi, zomwe zingakhale zosokoneza kwa anthu ena.
• Kulipira pamwezi pamwezi nthawi zambiri kumakhala kwakukulu kuposa Medicare Advantage.
• Plan F, imodzi mwama projekiti otchuka kwambiri a Medigap, imafotokoza zambiri zolipira m'thumba. Ikupita mu 2020 kwa omwe alandila Medicare atsopano. Izi zingakhudze kutchuka kwa mapulani a Medigap.

Ndondomeko za Medigap ndizovomerezeka ndi Medicare. Izi zikutanthauza kuti mutha kusankha pamalingaliro angapo omwe ali ofanana mdziko lonselo. Komabe, makampani a inshuwaransi amatha kulipiritsa mitengo yosiyanasiyana pamilandu ya Medigap. Ichi ndichifukwa chake kulipira kufananiza zosankha mukamagula Medigap. Mapulani owonjezera a Medicare amagwiritsa ntchito zilembo ngati mayina. Madongosolo 10 omwe alipo pano akuphatikizapo: A, B, C, D, F, G, K, L, M, and N.

Pokhapokha mutagula dongosolo lanu la Medigap chaka cha 2020 chisanafike, mudzafunikiranso Medicare Part D ngati mukufuna kufotokozeredwa mankhwala.

Ndingasinthe liti kuchokera ku Medicare Advantage kupita ku Medigap?

Mayiko ena amafuna makampani a inshuwaransi kuti agulitse mtundu umodzi wamalamulo a Medigap kwa iwo azaka zosakwana 65 omwe akuyenerera Medicare. Maiko ena sangakhale ndi mapulani a Medigap kwa omwe sanakwanitse zaka 65 omwe ali ndi Medicare.

Mutha kugula ndondomeko ya Medigap munthawi ya kulembetsa kwa miyezi isanu ndi umodzi yomwe imachitika mutakwanitsa zaka 65 ndipo mwalembetsa ku Medicare Part B. Ngati simulembetsa nthawi ino, makampani a inshuwaransi atha kukulitsa ndalama zomwe amalandira mwezi uliwonse.

Mutha kusintha kuchokera ku Medicare Advantage kupita ku Medigap munthawi zofunikira pachaka. Komanso, kuti mulembetse ku Medigap, muyenera kulembetsanso ku Medicare yoyambirira.

Nthawi zomwe mungasinthe kuchoka ku Medicare Advantage kupita ku Medigap ndi monga:

• Nthawi yolembetsa ku Medicare Advantage (Januware 1 – Marichi 31). Ichi ndi chochitika chapachaka pomwe, ngati mwalembetsa ku Medicare Advantage, mutha kusintha mapulani a Medicare Advantage kapena kusiya dongosolo la Medicare Advantage, kubwerera ku Medicare yoyambirira, ndikupempha dongosolo la Medigap.
• Nthawi yolembetsa yotsegulira (Okutobala 15 – Disembala 7). Nthawi zina amatchedwa nthawi yolembetsa yapachaka (AEP), mutha kulembetsa mu njira iliyonse ya Medicare, ndipo mutha kusintha kuchokera ku Medicare Advantage kubwerera ku Medicare yoyambirira ndikupempha dongosolo la Medigap panthawiyi.
• Nthawi yolembetsa yapadera. Mutha kusiya dongosolo lanu la Advantage ngati mukusuntha ndipo dongosolo lanu la Medicare Advantage siliperekedwa mu zip code yanu yatsopano.
• Nthawi yoyeserera ya Medicare Advantage. Miyezi 12 yoyambirira mutalembetsa ku Medicare Advantage amadziwika kuti ndi nthawi yoyeserera ya Medicare Advantage, ngati aka ndi koyamba kukhala ndi pulogalamu ya Advantage, mutha kubwerera ku Medicare yoyambirira ndikupempha ku Medigap.

Malangizo posankha dongosolo la Medicare

• Gwiritsani ntchito masamba ngati Medicare.gov kuyerekezera mitengo yamapulani.
• Imbani foni ku dipatimenti ya inshuwaransi ya boma lanu kuti mudziwe ngati pulani yomwe mukuganiza yakhala ndi madandaulo motsutsana nayo.
• Lankhulani ndi anzanu omwe ali ndi Medicare Advantage kapena Medigap kuti muwone zomwe amakonda ndi zomwe sakonda.
• Lumikizanani ndi omwe amakupatsani chithandizo chamankhwala kuti mudziwe ngati atenga dongosolo la Medicare Advantage lomwe mukuwunika.
• Unikani bajeti yanu kuti mudziwe kuchuluka kwa zomwe mungayembekezere kulipira pamwezi.

Kutenga

• Madongosolo a Medicare Advantage ndi Medigap ndi ena mwa ma Medicare omwe atha kuchititsa kuti kuphimba kwaumoyo kukhale kotsika mtengo.
• Ngakhale kusankha chimodzi kapena chimzake kumafunikira kafukufuku komanso nthawi, aliyense akhoza kukupulumutsirani ndalama pazandalama mukadzafunika kutero.
• Ngati simukudziwa komwe mungayambire, imbani 1-800-MEDICARE ndipo nthumwi za Medicare zitha kukuthandizani kuti mupeze zomwe mukufuna.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.