Kodi mapulani a Medigap C adatha mu 2020?

Zamkati

• Kodi dongosolo la Medigap C lapita?
• Ndingatani ngati ndili ndi Medigap Plan C kapena ndikufuna kulembetsa?
• Kodi pali njira zina zofananira zomwe zilipo?
• Kodi Medigap Plan C imaphimba chiyani?
• Ndi mapulani ena ati omwe alipo?
• Kodi pali kusiyana mtengo pakati pamalingaliro?
• Kodi ndingasankhe bwanji dongosolo labwino kwa ine?
• Medigap ubwino:
• Zovuta za Medigap:
• Kutenga

• Medigap Plan C ndi njira yowonjezera yothandizira inshuwaransi, koma siyofanana ndi Medicare Part C.
• Ndondomeko ya Medigap C imapereka ndalama zingapo zama Medicare, kuphatikiza Gawo B deductible.
• Kuyambira Januware 1, 2020, Plan C sichikupezeka kwa omwe adalembetsa ku Medicare.
• Mutha kusunga mapulani anu ngati mudali ndi Plan C kapena mutakhala oyenera ku Medicare isanafike 2020.

Mutha kudziwa kuti panali zosintha pamalingaliro a Medigap kuyambira 2020, kuphatikiza Medigap Plan C. Kuyambira pa Januware 1, 2020, Plan C idasiyidwa. Ngati muli ndi Medicare ndi dongosolo la Medigap kapena mukukonzekera kulembetsa, mwina mungakhale mukuganiza kuti zosinthazi zimakukhudzani bwanji.

Chinthu choyamba kudziwa ndi chakuti Plan C siyofanana ndi Medicare Gawo C. Amamvekanso ofanana, koma Gawo C, lotchedwanso Medicare Advantage, ndi pulogalamu yosiyana kotheratu ndi Medigap Plan C.

Plan C ndi njira yodziwika bwino ya Medigap chifukwa imapereka ndalama zambiri zomwe zimakhudzana ndi Medicare, kuphatikiza Gawo B deductible. Pansi pa malamulo atsopano a 2020, ngati mudalembetsa kale mu Plan C, mutha kusunga izi.

Komabe, ngati mwatsopano ku Medicare ndipo mukuganiza za Plan C, simungathe kugula. Nkhani yabwino ndiyakuti pali malingaliro ena ambiri a Medigap omwe akupezeka.

Munkhaniyi, tikambirana chifukwa chomwe Plan C idachokeranso ndi njira zina zomwe zingakhale zabwino kwa inu m'malo mwake.

Kodi dongosolo la Medigap C lapita?

Mu 2015, Congress idakhazikitsa lamulo lotchedwa Medicare Access ndi CHIP Reauthorization Act ya 2015 (MACRA). Chimodzi mwazomwe zasintha ndi chigamulochi ndikuti mapulani a Medigap saloledwa kupereka gawo la Gawo B deductible. Lamuloli lidayamba kugwira ntchito pa Januware 1, 2020.

Kusintha kumeneku kunapangidwa kuti kukhumudwitse anthu kuti azichezera ofesi ya dokotala kapena chipatala pomwe sikunali kofunikira. Pofunsa kuti aliyense azilipira m'thumba kuti Gawo B lichotsedwe, Congress idayembekeza kuchepetsa kuyendera matenda ang'onoang'ono omwe angachitike kunyumba.

Plan C ndi imodzi mwanjira ziwiri zomwe Medigap adasankha zomwe zidatenga gawo B deductible (inayo inali Plan F). Izi zikutanthauza kuti sichingagulitsidwenso olembetsa chifukwa cha lamulo latsopano la MACRA.

Ndingatani ngati ndili ndi Medigap Plan C kapena ndikufuna kulembetsa?

Mutha kusunga Plan C yanu ngati muli nayo kale. Malingana ngati mudalembetsa kale Disembala 31, 2019, mutha kupitiliza kugwiritsa ntchito pulani yanu.

Pokhapokha ngati kampani yomwe mwasankha kuti isaperekenso mapulani anu, mutha kuyimilira malinga ngati zingakuvomerezeni. Kuphatikiza apo, ngati mungakhale woyenera ku Medicare pa kapena Disembala 31 asanafike, mutha kulembetsanso mu Plan C.

Malamulo omwewo amagwiranso ntchito ku Plan F. Ngati mudali nawo kale, kapena mudalembetsa kale ku Medicare chaka cha 2020 chisanachitike, Plan F ipezeka kwa inu.

Kodi pali njira zina zofananira zomwe zilipo?

Plan C sichidzapezeka kwa inu ngati mwangoyenerera kumene kukhala Medicare mu 2021. Muli ndi zosankha zina zambiri pamalingaliro a Medigap omwe amakwaniritsa zambiri zomwe mumagula ku Medicare. Komabe, mapulaniwo sangakwanitse kulipira ndalama zomwe zatulutsidwa mu Gawo B, malinga ndi lamulo latsopanoli.

Kodi Medigap Plan C imaphimba chiyani?

Dongosolo C ndilotchuka kwambiri chifukwa cha momwe limakhalira. Ndalama zambiri zogawana za Medicare zimaphimbidwa ndi ndondomekoyi. Kuphatikiza pa kufotokozera gawo B deductible, Plan C imafotokoza:

• Gawo la Medicare Deductible
• Medicare Part A ndalama zothandizira ndalama
• Mtengo wa ndalama za Medicare Part B
• chitsimikizo cha kuchipatala kwa masiku 365
• mapiritsi atatu oyamba amwazi amafunika kuti awongolere
• luso la unamwino waluso
• chitsimikizo cha hospice
• zochitika zadzidzidzi kudziko lina

Monga mukuwonera, pafupifupi ndalama zonse zomwe zimaperekedwa kwa omwe adzapindule ndi Medicare zimakwaniritsidwa ndi Plan C. Mtengo wokhawo womwe sulipidwa ndi Plan C ndi womwe umadziwika kuti Gawo B "zolipira zochulukirapo." Ndalama zowonjezera ndizoposa mtengo wovomerezeka ndi Medicare woperekedwa ndi omwe amakuthandizani pa zaumoyo. Ndalama zowonjezera siziloledwa m'maiko ena, ndikupanga Plan C kukhala njira yabwino.

Ndi mapulani ena ati omwe alipo?

Pali mapulani osiyanasiyana a Medigap omwe alipo, kuphatikiza Plan C ndi Plan F. Ngati simungathe kulembetsa chimodzi mwazimenezi chifukwa simunakhale oyenera Medicare isanafike 2020, muli ndi njira zingapo zomwe mungafotokozere.

Zosankha zodziwika bwino zikuphatikiza Mapulani D, G, ndi N. Onsewa amafotokoza chimodzimodzi ku Mapulani C ndi F, ndizosiyana pang'ono:

• Dongosolo D. Dongosololi limapereka kufotokozedwa kwa Plan C kupatula gawo la B lomwe limachotsedwa.

• Kodi pali kusiyana mtengo pakati pamalingaliro?

  Mapulamu a Plan C amakhala okwera pang'ono kuposa malipiro apamwezi a Plans D, G, kapena N. Ndalama zanu zimadalira komwe mumakhala, koma mutha kuwonanso zitsanzo za mitengo yozungulira dziko lino mu tchati chili pansipa:

  Mzinda	Dongosolo C	Dongosolo D.	Konzani G	Dongosolo N
  Philadelphia, PA	$151–$895	$138–$576	$128–$891	$88–$715
  San Antonio, TX	$120–$601	$127–$529	$88–$833	$70–$599
  Columbus, OH	$125–$746	$106–$591	$101–$857	$79–$681
  Zambiri ``	$152–$1,156	$125–$693	$110–$1,036	$86–$722

  Kutengera dera lanu, mutha kukhala ndi zosankha zingapo pa Plan G. Mayiko ena amapereka zosankha za Plan G zodula kwambiri. Ndalama zanu zoyambira zidzatsika ndi mapulani odula kwambiri, koma ndalama zanu zimatha kukhala madola masauzande ochepa ndalama zanu za Medigap zisanachitike.

  Kodi ndingasankhe bwanji dongosolo labwino kwa ine?

  Madongosolo a Medigap atha kukuthandizani kulipira zolipira za Medicare. Pali mapulani 10 omwe alipo, ndipo Medicare imafunikira kuti akhale okhazikika ngakhale atakhala kuti ndi kampani iti. Kupatula lamuloli ndi mapulani omwe amaperekedwa kwa okhala ku Massachusetts, Minnesota, kapena Wisconsin. Izi zili ndi malamulo osiyanasiyana pamalingaliro a Medigap.

  Komabe, mapulani a Medigap samamveka bwino kwa aliyense. Kutengera bajeti yanu ndi zosowa zaumoyo, kulipira zochotsera zina sikungakhale kopindulitsa.

  Komanso, mapulani a Medigap samapereka mankhwala akuchipatala ndi zina zowonjezera zowonjezera. Mwachitsanzo, ngati muli ndi matenda osatha omwe amafunikira mankhwala, mungakhale bwino ndi Medicare Advantage Plan kapena dongosolo la Medicare Part D.

  Kumbali inayi, ngati dokotala akuuzani njira yomwe ingafune kuti mugonekere kuchipatala, dongosolo la Medigap lomwe limakhudza gawo lanu lochotseredwa komanso kuchipatala lingakhale lanzeru.

  Medigap ubwino:

  • kufalitsa dziko lonse
  • Kuphunzira ndalama zambiri zamankhwala
  • masiku owonjezera a 365 akupezeka pachipatala
  • mapulani ena amapereka chithandizo mukamapita kunja
  • mapulani ena amaphimba zowonjezera monga mapulogalamu olimbitsa thupi
  • mapulani osiyanasiyana omwe mungasankhe
  

  Zovuta za Medigap:

  • ndalama umafunika ndi mkulu
  • Kuphunzira mankhwala osokoneza bongo sikuphatikizidwa
  • mano, masomphenya, ndi zina zowonjezera zowonjezera siziphatikizidwa
  

  Mutha kugula mapulani a Medigap mdera lanu pogwiritsa ntchito chida patsamba la Medicare. Chida ichi chikuwonetsani mapulani omwe akupezeka mdera lanu komanso mitengo yake. Mutha kugwiritsa ntchito chida ichi kusankha ngati pali pulani yomwe ikukwaniritsa zosowa zanu ndi bajeti.

  Kuti mumve zambiri, mutha kulumikizana ndi State Health Insurance Assistance Program (SHIP) kuti mupeze upangiri pakusankha dongosolo m'boma lanu. Muthanso kulumikizana ndi Medicare mwachindunji kuti muyankhe mafunso anu.

  Kutenga

  Medigap Plan C ndi njira yodziwika bwino yowonjezeramo chifukwa imawononga ndalama zambiri zotuluka m'thumba zogwirizana ndi Medicare.

  • Kuyambira pa Januware 1, 2020, Plan C idasiyidwa.
  • Mutha kusunga Plan C ngati muli nayo kale.
  • Mutha kulembetsa mu Plan C ngati mukuyenera kulandira Medicare pa Disembala 31, kapena lisanachitike.
  • Congress yagamula kuti Dongosolo B deductible silingathenso kuphimbidwa ndi malingaliro a Medigap.
  • Mutha kugula mapulani ofanana popanda kufotokozedwa kwa Plan B.
  • Madongosolo omwewo akuphatikiza Mapulani a Medigap D, G, ndi N.

  Nkhaniyi idasinthidwa pa Novembala 20, 2020, kuti iwonetse zambiri za 2021 Medicare.

  

  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.