Ndondomeko Yowonjezera ya Medicare F: Kodi Ikupita Patsogolo?

Zamkati

• Ngati ndili ndi Medigap Plan F, nditha kuyisunga?
• Plan F ndi chiyani?
• Nchifukwa chiyani anthu ena okha angathe kulembetsa mu Medicare Supplement Plan F?
• Kodi pali mapulani ena ofanana a Medigap?
• Kutenga

• Pofika chaka cha 2020, mapulani a Medigap salinso ololedwa kubweza gawo la Medicare Part B.
• Anthu omwe abwera kumene ku Medicare mu 2020 sangathe kulembetsa mu Plan F; komabe, iwo omwe ali kale ndi Plan F amatha kuwasunga.
• Madongosolo ena angapo a Medigap amapereka chithunzi chofananira ku Plan F.

Medicare yowonjezera inshuwaransi (Medigap) ndi mtundu wa inshuwaransi ya Medicare yomwe ingathandize kulipira ndalama zina zomwe choyambirira Medicare (magawo A ndi B) sichimalipira.

Plan F ndi njira imodzi ya Medigap. Ngakhale pali zosintha mu 2020, pulani yotchuka imeneyi sikuti ichitike kwa aliyense. Koma anthu ena sathanso kulembetsa nawo.

Pitirizani kuwerenga kuti mudziwe zambiri.

Ngati ndili ndi Medigap Plan F, nditha kuyisunga?

Anthu omwe adalembetsa kale mu Plan F amatha kusunga. Ndondomeko za Medigap ndizotsimikizika kuti zitha kupitsidwanso malinga ngati mungalembetsere ndikulipira ndalama zoyendetsedwa pamwezi zomwe zikugwirizana ndi mfundo zanu.

Plan F ndi chiyani?

Medicare Yoyamba imalipira pafupifupi 80 peresenti ya ndalama zokhudzana ndi zaumoyo. Ma inshuwaransi owonjezera monga Medigap atha kuthandiza kulipira zotsalira, nthawi zina zimachepetsa kwambiri ndalama zomwe zimagwiritsidwa ntchito mthumba.

Pafupifupi 1 mwa anthu anayi omwe ali ndi Medicare yoyambirira alinso ndi mfundo za Medigap. Ndondomekozi zimagulitsidwa ndi makampani wamba ndipo zimalumikizidwa ndi ndalama zowonjezera pamwezi.

Plan F ndiimodzi mwamapulani khumi a Medigap. Kuphatikiza pa mtundu wanthawi zonse, njira yodula kwambiri imapezekanso m'malo ena. Njirayi imakhala ndi ndalama zochepa pamwezi, koma muyenera kukumana ndi ndalama zokwana $ 2,340 mu 2020 ndondomeko yanu isanayambe kulipira.

Mwa malingaliro onse a Medigap, Plan F ndiyomwe ikuphatikiza kwambiri. Dongosolo F limapereka 100% ya zotsatirazi:

• Gawo la Medicare Deductible
• Medicare Part A ndalama zothandizira ndalama komanso kuchipatala
• Gawo la Medicare Gawo la unamwino waluso chitsimikizo
• Medicare Part A chipatala chothandizidwa ndi ma copays
• Medicare Gawo B limachotsedwa
• Chithandizo cha Medicare Part B komanso ma copays
• Malipiro owonjezera a Medicare Part B
• Magazi (mapiritsi atatu oyamba)

Plan F imakhudzanso 80 peresenti ya zosowa zamankhwala mukamapita kunja kwa United States.

Nchifukwa chiyani anthu ena okha angathe kulembetsa mu Medicare Supplement Plan F?

Chifukwa cha lamulo latsopano, mapulani a Medigap salinso ololedwa kubweza gawo la Medicare Part B. Kusintha kumeneku kudayamba pa Januware 1, 2020.

Lamulo latsopanoli lidakhudza madongosolo ena a Medigap omwe amakhudza gawo B deductible, kuphatikiza Plan F. Izi zikutanthauza kuti anthu omwe adzalembetse ku Medicare mu 2020 ndi kupitirira sadzatha kulembetsa mu Plan F.

Mukadakhala kuti mukuyenera kulandira Medicare isanafike Januware 1, 2020, koma simunalembetse panthawiyo, mutha kugula ndondomeko ya Plan F.

Kodi pali mapulani ena ofanana a Medigap?

Madongosolo ena a Medigap ali ndi maubwino ofanana ndi a Plan F. Ngati mukuyenera kulandira Medicare mu 2020 ndipo mukufuna kugula mfundo za Medigap, ganizirani izi:

• Konzani G
• Dongosolo D.
• Dongosolo N

Gome ili m'munsi likuyerekeza kufotokozedwa kwa Plan F ndi mapulani ena awa a Medigap.

Kutenga

Plan F ndi imodzi mwamitundu 10 yamapulani a Medigap. Ikufotokoza kuchuluka kwa ndalama zomwe Medicare yoyambirira salipira.

Kuyambira mu 2020, malamulo atsopano amaletsa malingaliro a Medigap kuti asalembetsere Medicare Part B kuchotsedwa. Chifukwa cha izi, anthu omwe abwera kumene ku Medicare mu 2020 sangathe kulembetsa mu Plan F. Iwo omwe ali ndi Plan F, mbali ina, amatha kuisunga.

Malingaliro ena a Medigap amapereka kufotokozera komwe kuli kofanana kwambiri ndi Plan F, kuphatikiza Plan G, Plan D, ndi Plan N. Ngati mungalembetse ku Medicare chaka chino, kuyerekezera malingaliro osiyanasiyana a Medigap omwe akuperekedwa mdera lanu kungakuthandizeni kupeza chithandizo chabwino cha zosowa zanu.

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.