Zonse Zokhudza Medicare Supplement Plan M

Zamkati

• Kodi Medicare Supplement Plan M imaphimba chiyani?
• Kodi kugawana mtengo ndi chiyani ndipo zimagwira ntchito bwanji?
• Ndalama zina zakunja
• Malipiro
• Kodi ndine woyenera kugula Medicare Supplement Plan?
• Kulembetsa mu Medicare Supplement Plan M
• Kutenga

Medicare Supplement Plan M (Medigap Plan M) ndi imodzi mwanjira zatsopano za Medigap. Ndondomekoyi idapangidwira anthu omwe akufuna kulipira ndalama zochepa pamwezi (premium) posinthana ndi kulipira theka la gawo la pachaka la Gawo A (chipatala) lomwe limachotsedwa ndipo gawo lonse la Gawo B (wodwala kunja) limachotsedwa.

Ngati simukuyembekezera kupita kuchipatala pafupipafupi ndipo muli omasuka ndikugawana mitengo, Medicare Supplement Plan M ikhoza kukhala chisankho chabwino kwa inu.

Pitirizani kuwerenga kuti mudziwe zambiri za njirayi, kuphatikizapo zomwe zimakhudza, ndani ali woyenera, komanso nthawi yomwe mungalembetse.

Kodi Medicare Supplement Plan M imaphimba chiyani?

Ndondomeko ya Medicare Supplement Plan M ikuphatikiza izi:

• 100% ya Part A coinsurance ndi chipatala ndalama mpaka masiku ena 365 kuchokera pomwe maubwino a Medicare agwiritsidwa ntchito
• 50% ya Gawo A limachotsedwa
• 100% ya Part A chisamaliro cha odwala chitsimikiziro kapena ndalama zolipirira
• 100% ya ndalama zakuikidwa magazi (mapainti atatu oyamba)
• 100% ya malo osamalira aluso osamalidwa chisamaliro
• 100% ya Part B ndalama zothandizira kapena zolipira
• 80% ya ndalama zoyenerera zothandizira zaumoyo mukamapita kudziko lina

Kodi kugawana mtengo ndi chiyani ndipo zimagwira ntchito bwanji?

Kugawana mtengo kwenikweni ndi kuchuluka kwa ndalama zomwe muyenera kulipira pambuyo poti Medicare ndi mfundo zanu za Medigap zalipira magawo awo.

Nachi chitsanzo cha momwe kugawana mtengo kumatha kusewera:

Muli ndi Medicare yoyambirira (magawo A ndi B) ndi ndondomeko ya Medigap Plan M. Pambuyo pochita opareshoni ya m'chiuno, mumakhala masiku awiri mchipatala kenako ndikukhala ndi maulendo angapo obwereza ndi dotolo wanu.

Kuchita opareshoni kwanu ndikukhala kuchipatala kumaphimbidwa ndi Medicare Part A mutakumana ndi Gawo A deductible. Mapulani a Medigap M amalipira theka la deductible ndipo muli ndi udindo wolipira theka linalo mthumba.

Mu 2021, kuchipatala cha Medicare Part A kuchipatala ndi $ 1,484. Gawo lanu la Medigap Plan M likhoza kukhala $ 742 ndipo gawo lanu likanakhala $ 742.

Ulendo wanu wotsatira umaperekedwa ndi Medicare Part B ndi Medigap Plan M. Mukangolipira gawo B pachaka kuchotsedwa, Medicare imalipira 80% ya omwe mumalandira kuchipatala ndipo Medicare Plan M yanu imalipira 20% ina.

Mu 2021, kuchotsedwa kwa Medicare Part B pachaka ndi $ 203. Mukhala ndiudindo wa ndalama zonsezo.

Ndalama zina zakunja

Musanasankhe munthu wothandizira zaumoyo, onetsetsani ngati angavomereze mitengo yomwe Medicare yapatsidwa (mtengo womwe Medicare angavomereze pochita ndi chithandizo).

Ngati dokotala wanu savomereza mitengo yomwe Medicare yapatsidwa, mutha kupeza dokotala wina yemwe angakhale kapena kukhala ndi dokotala wapano. Ngati mwasankha kukhalabe, dokotala wanu saloledwa kulipiritsa zoposa 15 peresenti pamwamba pa ndalama zovomerezeka ndi Medicare.

Ndalama zomwe adokotala amapereka pamtengo wopitilira Medicare amatchedwa gawo B lowonjezera. Ndi Medigap Plan M, muli ndi udindo wolipira Gawo B ndalama zowonjezera mthumba ..

Malipiro

Mukalandira chithandizo pamlingo wovomerezeka ndi Medicare:

1. Medicare Part A kapena B amalipira gawo lililonse pamilandu.
2. Ndondomeko yanu ya Medigap imalipira gawo lililonse pamilandu.
3. Mumalipira gawo lanu lamilandu (ngati ilipo).

Kodi ndine woyenera kugula Medicare Supplement Plan?

Kuti mukhale woyenera kulandira Medicare Supplement Plan M, muyenera kulembetsedwa ku Medicare Part A ndi Part B. Muyeneranso kukhala mdera lomwe mapulaniwa amagulitsidwa ndi kampani ya inshuwaransi. Kuti mudziwe ngati plan M ikuperekedwa komwe muli, lembani ZIP code yanu muopeza mapulani a Medicare's Medigap.

Kulembetsa mu Medicare Supplement Plan M

Nthawi yanu yolembetsa ya Medigap ya miyezi isanu ndi umodzi (OEP) nthawi zambiri imakhala nthawi yabwino yolembetsa malingaliro aliwonse a Medigap kuphatikiza Medigap Plan M. Medigap OEP yanu imayamba mwezi womwe muli ndi zaka 65 kapena kupitilira apo ndipo mwalembetsa ku Medicare Part B.

Chifukwa cholembetsera pa OEP yanu ndikuti makampani a inshuwaransi achinsinsi omwe amagulitsa malingaliro a Medigap sangakukaneni ndipo ayenera kukupatsani ndalama zabwino kwambiri, mosasamala kanthu za thanzi lanu. Mtengo wabwino kwambiri ungadalire pazinthu, monga:

• zaka
• jenda
• banja
• komwe mumakhala
• kaya mumasuta

Kulembetsa kunja kwa OEP kungayambitse chofunikira pakulemba zamankhwala ndipo kuvomereza kwanu sikutsimikiziridwa nthawi zonse.

Kutenga

Madongosolo owonjezera a Medicare (Medigap) amathandizira kuphimba "mipata" ina pakati pa mtengo wamankhwala ndi zomwe Medicare imathandizira pamitengoyo.

Ndi Medigap Plan M, mumalipira ndalama zochepa koma mumagawana nawo ndalama zochotseredwa ku Medicare Part A (chipatala), Medicare Part B (outpatient) yochotseredwa, ndi gawo B zolipira zambiri.

Musanapite ku Medigap Plan M kapena dongosolo lina lililonse la Medigap, onaninso zosowa zanu ndi wololeza yemwe ali ndi mankhwala a Medicare kuti akuthandizeni. Muthanso kulumikizana ndi State Health Insurance Assistance Program (SHIP) ya boma lanu kuti muthandizidwe mwaulere kumvetsetsa mfundo zomwe zilipo.

Nkhaniyi idasinthidwa pa Novembala 19, 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.