Ndondomeko ya Medigap F: Kodi Medicare Supplement Plan Ino Ikufunika Chiyani?

Zamkati

• Kodi Medigap Plan F ndi chiyani?
• Kodi Medigap Plan F amawononga ndalama zingati?
• Ndani angalembetse ku Medigap Plan F?
• Kodi Medigap Plan F imaphimba chiyani?
• Zosankha zina ngati simungathe kulembetsa ku Medigap Plan F
• Kutenga

Mukalembetsa ku Medicare, mutha kusankha "magawo" ati a Medicare omwe mumaphimbidwa nawo. Zosankha zosiyanasiyana za Medicare kuti mupeze zosowa zanu zofunika pamoyo ndi monga Gawo A, Gawo B, Gawo C, ndi Gawo D.

Palinso zowonjezera zowonjezera zama Medicare (Medigap) zomwe zingakupatseni zowonjezera ndikuthandizira pakuwononga. Medigap Plan F ndi mfundo za Medigap zomwe zawonjezeredwa pa dongosolo lanu la Medicare lomwe limakuthandizani kulipirira ndalama zanu za inshuwaransi.

Munkhaniyi, tiwona za Medigap Plan F, kuchuluka kwake, mtengo wake, ndi zina zambiri.

Kodi Medigap Plan F ndi chiyani?

Medigap imaperekedwa ndi makampani a inshuwaransi apadera monga zowonjezera pa dongosolo lanu loyambirira la Medicare. Cholinga chokhala ndi dongosolo la Medigap ndikuthandizira kulipira ndalama zanu za Medicare, monga kuchotsera ndalama, ndalama zolipirira ndalama komanso chitsimikizo cha ndalama. Pali mapulani 10 a Medigap omwe makampani a inshuwaransi angapereke, kuphatikiza A, B, C, D, F, G, K, L, M, ndi N.

Medigap Plan F, yomwe nthawi zina imatchedwa Medicare Supplement Plan F, ndiye njira yabwino kwambiri ya Medigap yoperekedwa. Amakhudza pafupifupi ndalama zonse za Medicare Part A ndi Part B zomwe zimakuthandizani kuti mukhale ndi ngongole yochuluka kwambiri m'thumba lanu.

Mapulani a Medigap F angakhale njira yabwino ngati:

• amafuna chithandizo chamankhwala pafupipafupi ndipo pitani kuchipatala pafupipafupi
• amafuna thandizo lazachuma ndi chisamaliro cha anamwino kapena chisamaliro cha anamwino
• kuyenda kunja kwa dziko nthawi zambiri koma osakhala ndi inshuwaransi yazaulendo

Kodi Medigap Plan F amawononga ndalama zingati?

Ngati mwalembetsa ku Medigap Plan F, ndiye kuti mudzayang'anira zotsatirazi:

• Mwezi uliwonse. Dongosolo lililonse la Medigap limakhala ndi ndalama zake pamwezi. Mtengo uwu umasiyana kutengera dongosolo lomwe mungasankhe komanso kampani yomwe mumagula mapulani anu.
• Chaka chilichonse chodulidwa. Ngakhale dongosolo la Medigap F palokha silikhala ndi deductible pachaka, onse a Medicare Part A ndi Part B amatero. Komabe, mosiyana ndi njira zina zomwe zingaperekedwe, Medigap Plan F imakhudza magawo 100 a gawo A ndi Gawo B lotulutsidwa.
• Zopereka ndi ndalama. Ndi Medigap Plan F, ndalama zanu zonse za Part A ndi Part B komanso ndalama zandalama zaphimbidwa, zomwe zimapangitsa kuti mukhale ndalama zokwana madola 0 kutuluka mthumba kuchipatala kapena kuchipatala.

Medigap Plan F imaphatikizaponso njira yodula kwambiri yomwe imapezeka m'malo ambiri. Ndi pulani iyi, mudzakhala ndi ngongole yochotseredwa madola 2,370 pachaka Medigap isanapereke ndalama, koma ndalama zomwe mumalandira mwezi uliwonse zimakhala zotsika mtengo kwambiri. Mapulani a Medigap Plan F ndi njira yabwino kwambiri kwa anthu omwe amakonda kulipira ndalama zochepa kwambiri pamwezi.

Nazi zitsanzo zochepa za zolipira za Medigap Plan F m'mizinda yosiyanasiyana mdziko muno:

Ndani angalembetse ku Medigap Plan F?

Ngati muli ndi Medicare Advantage, mwina mungaganizire zosintha kupita ku Medicare yoyambirira ndi mfundo ya Medigap.M'mbuyomu, aliyense amene adalembetsa ku Medicare yoyambirira amatha kugula Medigap Plan F. Komabe, dongosololi tsopano likuchotsedwa. Kuyambira pa Januware 1, 2020, Medigap Plan F imangopezeka kwa iwo omwe anali kulandira Medicare isanafike 2020.

Mukadakhala kuti mwalembetsa kale mu Medigap Plan F, mutha kusunga mapanganowo ndi maubwino ake. Komanso, ngati mukadakhala kuti mukuyenera kulandira Medicare Januware 1, 2020, koma mwaphonya kulembetsa, mutha kukhala oyenera kugula Medigap Plan F.

Ngati mukukonzekera kulembetsa ku Medigap, pali nthawi zina zolembetsa zomwe muyenera kuzindikira:

• Kulembetsa kwa Medigap kotseguka amayendetsa miyezi 6 kuchokera mwezi womwe mutakwanitsa zaka 65 ndikulembetsa ku Medicare Part B.
• Kulembetsa kwapadera kwa Medigap ndi ya anthu omwe angathe kulandira Medicare ndi Medigap asanakwanitse zaka 65, monga omwe ali ndi matenda am'magazi (ESRD) kapena zinthu zina zomwe zidalipo kale.

Ndikofunikira kudziwa kuti panthawi yolembetsa ku Medigap, simungatsutsidwe ndondomeko ya Medigap pazomwe zidalipo kale. Komabe, kunja kwa nthawi yolembetsa yotseguka, makampani a inshuwaransi akhoza kukukanirani malingaliro a Medigap chifukwa cha thanzi lanu, ngakhale mutakhala woyenera.

Chifukwa chake, zili ndi chidwi chanu kulembetsa mu Medicare Supplement Plan F mwachangu ngati mungayenererebe.

Kodi Medigap Plan F imaphimba chiyani?

Medigap Plan F ndiye gawo lokwanira kwambiri pamalingaliro a Medigap, popeza imakhudza pafupifupi zonse zomwe zimakhudzana ndi Medicare magawo A ndi B.

Madongosolo onse a Medigap ndi okhazikika, kutanthauza kuti kufalitsa komwe kumaperekedwa kuyenera kukhala kofanana kuchokera kuboma kupita kumayiko ena (kupatula Massachusetts, Minnesota, kapena Wisconsin).

Izi ndi zomwe Medigap Plan F imakhudza:

• Gawo A chitsimikizo cha ndalama komanso kuchipatala
• Gawo A chisamaliro cha okalamba kapena chindapusa
• Gawo A chisamaliro cha malo okalamba
• Gawo A deductible
• Gawo B chitsimikizo kapena zolipira
• Gawo B deductible
• Chiwongola dzanja cha Part B
• Kuikidwa magazi (mpaka mapaipi atatu)
• 80% ya ndalama zakunja

Palibe malire omwe angatuluke mthumba ndi Medigap Plan F, ndipo sichikuphimba ndalama zanu za Medicare Part A ndi Part B pamwezi.

Monga tafotokozera pamwambapa, mapulani onse a Medigap amakhazikitsidwa ndi lamulo - kupatula ngati mumakhala ku Massachusetts, Minnesota, kapena Wisconsin. M'maboma awa, ndondomeko za Medigap ndizofanana mosiyanasiyana, chifukwa chake simungapatsidwe mwayi wofananira ndi Medigap Plan F.

Zosankha zina ngati simungathe kulembetsa ku Medigap Plan F

Ngati mudaphimbidwa kale ndi Medigap Plan F kapena woyenera kulandira Medicare pamaso pa Januware 1, 2020, mutha kusunga kapena kugula ndondomekoyi. Ngati sichoncho, mwina mungaganizire zopereka zina, popeza Medigap Plan F sakuperekedwanso kwa omwe adzapindule ndi Medicare.

Nazi njira zingapo za Medigap zomwe mungaganizire ngati simukuyenera kulembetsa mu F F:

• 

  Mukakhala okonzeka kulembetsa, mutha kupita ku Medicare.gov kuti mupeze malingaliro a Medigap omwe amapezeka pafupi nanu.

  Kutenga

  Mapulani a Medigap F ndi dongosolo la Medigap lomwe limakuthandizani kuchotsera kuchotsera kwa Medicare Part A ndi Part B, zolipiritsa, komanso chitsimikizo cha ndalama. Njira ya Medigap F ndiyothandiza kwa omwe amalandila ndalama zochepa omwe amafunikira chithandizo chamankhwala pafupipafupi, kapena kwa aliyense amene akufuna kulipira ndalama zochepa m'thumba momwe angathere kuchipatala.

  Popeza Medigap Plan F sakuperekedwanso kwa olembetsa atsopano, Medigap Plan G imafotokozanso chimodzimodzi popanda kuphimba Gawo B deductible.

  Ngati mwakonzeka kupita patsogolo ndikulembetsa dongosolo la Medigap, mutha kugwiritsa ntchito tsamba la Medicare.gov kuti mufufuze mfundo pafupi nanu.

  Nkhaniyi idasinthidwa pa Novembala 13, 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.