Ndondomeko Yowonjezera ya Medicare G: Kodi Ili Ndilo Medigap Plan Yanu?

Zamkati

• Kodi Medicare supplement (Medigap) Plan G ndi chiyani?
• Ubwino wa Medigap Plan G
• Kuipa kwa Medigap Plan G
• Kodi Medicare supplement (Medigap) Plan G ikuphimba chiyani?
• Kodi Medicare supplement (Medigap) Plan G imawononga ndalama zingati?
• Ndingalembetse liti ku Medicare supplement (Medigap) Plan G?
• Kutenga

Medigap Plan G ndi njira yothandizira ya Medicare yomwe imapereka maubwino asanu ndi atatu mwa asanu ndi anayi omwe amapezeka ndi kufotokozera kwa Medigap. Mu 2020 ndi kupitirira, Plan G idzakhala dongosolo lokwanira kwambiri la Medigap lomwe lingaperekedwe.

Medigap Plan G ndiyosiyana ndi "gawo" la Medicare - monga Medicare Part A (chipatala) ndi Medicare Part B (chithandizo chamankhwala).

Popeza ndi "dongosolo," ndizosankha. Komabe, anthu omwe amadandaula za kutuluka m'thumba kokhudzana ndi chithandizo chamankhwala atha kupeza mapulani owonjezera a Medicare (Medigap).

Pitilizani kuwerenga kuti mudziwe zambiri za Medigap Plan G, zomwe zimafotokoza, komanso zomwe sizichita.

Kodi Medicare supplement (Medigap) Plan G ndi chiyani?

Makampani a inshuwaransi azinsinsi amagulitsa mapulani owonjezera a Medicare othandizira kuti achepetse ndalama zotuluka m'thumba ndipo nthawi zina amalipira ntchito zomwe Medicare sizimalipira. Anthu amatchulanso mapulani awa a Medigap. Kampani ya inshuwaransi idzagulitsa izi ngati inshuwaransi ya Medicare.

Boma likufuna makampani a inshuwaransi apadera kuti azisintha mapulani a Medigap. Kupatula kulipo kwa Massachusetts, Minnesota, ndi Wisconsin, omwe amasintha malingaliro awo mosiyana.

Makampani ambiri amatchula mapulaniwo ndi zilembo zazikulu A, B, C, D, F, G, K, L, M, ndi N.

Ndondomeko za Medigap zimangopezeka kwa iwo omwe ali ndi Medicare yoyambirira, yomwe ndi mbali ya Medicare A ndi B. Munthu yemwe ali ndi Medicare Advantage sangakhale ndi dongosolo la Medigap.

Munthu yemwe ali ndi Medigap Plan G amalipira chindapusa cha Medicare Part B, kuphatikiza ndalama zowonjezeredwa pamwezi pa Plan G. Komanso, mfundo za Medigap zimangokhudza munthu yekhayo. Maanja sangathe kugula mfundo limodzi.

Ubwino wa Medigap Plan G

• kufotokoza kwakukulu kwambiri kwa Medigap
• amachepetsa kuthumba ndi zosayembekezereka kwa omwe akutenga nawo gawo pa Medicare

Kuipa kwa Medigap Plan G

• Nthawi zambiri mtengo wokwera kwambiri wa Medigap (popeza Plan F sapezeka)
• deductible imatha kuchuluka pachaka

Kodi Medicare supplement (Medigap) Plan G ikuphimba chiyani?

Zotsatirazi ndizo ndalama zothandizira zaumoyo zomwe Medicare Plan G imakhudza:

• Medicare Part A coinsurance ndi chipatala zimadula mpaka masiku 365 kuchokera pomwe maubwino a Medicare amunthu agwiritsidwa ntchito
• Medicare Part B ndalama zothandizira kapena zolipira
• mapiritsi atatu oyamba amwazi opangira magazi
• Medicare Part A chisamaliro cha odwala chitsimikizo kapena ndalama zolipira
• malo osamalira anthu okalamba
• Gawo la Medicare Deductible
• Malipiro owonjezera a Medicare Part B (ngati dokotala amalipira ndalama zoposa zomwe zavomerezedwa ndi Medicare, dongosololi lidzafotokoza kusiyana)
• kusinthana kwakunja kwakunja kwa 80%

Pali mitengo iwiri yomwe Medicare Plan G siyikwanira poyerekeza ndi kale F:

• Gawo B deductible
• malire omwe atulutsidwe m'thumba komanso kuchotsera pachaka ku Medicare Part B amapitilira

Pa Januware 1, 2020, kusintha kwa Medicare kunatanthauza kuti Plan F ndi Plan C zidachotsedwa kwa anthu omwe abwera ku Medicare. Poyamba, Medicare Plan F inali njira yodziwika bwino kwambiri yotchuka ya Medicare. Tsopano, Plan G ndiye dongosolo labwino kwambiri lomwe makampani ama inshuwaransi amapereka.

Kodi Medicare supplement (Medigap) Plan G imawononga ndalama zingati?

Chifukwa Medicare Plan G imapereka chimodzimodzi ngakhale kampani ya inshuwaransi ikupereka chiyani, kusiyana kwakukulu ndi mtengo. Makampani a inshuwaransi samapereka mapulani pamtengo womwewo pamwezi, chifukwa chake (kwenikweni) amalipira kukagula ndalama zotsika mtengo kwambiri.

Pali zifukwa zambiri zomwe zimakhudza zomwe kampani ya inshuwaransi imalipira pa Plan G. Izi zikuphatikiza:

• zaka zanu
• thanzi lanu lonse
• dziko lomwe mumakhala
• ngati kampani ya inshuwaransi ikupereka kuchotsera pazinthu zina, monga kusasuta fodya kapena kulipira chaka chilichonse m'malo mokhala mwezi uliwonse

Munthu akangosankha dongosolo lowonjezera la Medicare, zochotsedwazo zimatha kuchuluka pachaka chilichonse. Komabe, anthu ena zimawavuta kusintha zomwe amafalitsa chifukwa amakalamba (ndipo ndalama zomwe amakhala nazo nthawi zambiri zimakhala zapamwamba) ndipo atha kupeza kuti kusintha mapulani kumawalipira kwambiri.

Chifukwa ichi ndi chaka choyamba Medicare supplement Plan G ndiye dongosolo lokwanira kwambiri, ndizotheka kuti makampani a inshuwaransi yazaumoyo atha kukulitsa mtengo pakapita nthawi. Komabe, mpikisano pamsika wa inshuwaransi ungathandize kuti mitengo isatsike.

Ndingalembetse liti ku Medicare supplement (Medigap) Plan G?

Mutha kulembetsa mu njira yothandizira ya Medicare panthawi yolembetsa. Nthawi imeneyi - yodziwika bwino ku mapulani owonjezera a Medicare - imayamba tsiku loyamba la mwezi muli nonse zaka 65 ndipo mwalembetsa ku Medicare Part B. Muli ndi miyezi isanu ndi umodzi kuti mulembetse nawo dongosolo lowonjezera la Medicare.

Kulembetsa nthawi yanu yolembetsa kutseguka kumatha kukupulumutsirani ndalama zambiri. Munthawi imeneyi, makampani a inshuwaransi saloledwa kugwiritsa ntchito zolemba zamankhwala pamtengo wanu. Izi zikutanthauza kuti sangakufunseni za matenda anu kapena kukana kukuphimbirani.

Mutha kulembetsa mu pulogalamu yolembetsa ya Medicare mukamaliza kulembetsa, koma zimakhala zovuta. Panthawiyo, nthawi zambiri mumafunikira ufulu wotsimikizika. Izi zikutanthauza kuti china chake chinasinthidwa ndi maubwino anu a Medicare omwe samatha kuwongolera ndipo mapulani sangakukane kuti mupeze mwayi wopeza. Zitsanzo ndi izi:

• Munali ndi dongosolo la Medicare Advantage lomwe silikuperekedwanso m'dera lanu, kapena munasuntha ndipo simungapeze dongosolo lanu lomwelo la Medicare Advantage.
• Ndondomeko yanu yam'mbuyomu ya Medicare idachita zachinyengo kapena kukusocheretsani pazokhudza kufalitsa, mitengo, kapena zinthu zina.
• Dongosolo lanu lakale laku Medicare lidasokonekera ndipo silikupatsanso kufalitsa.
• Munali ndi dongosolo lowonjezera la Medicare, koma munasintha kupita ku Medicare Advantage. Pasanathe chaka, mutha kubwerera ku Medicare yachikhalidwe ndi dongosolo lowonjezera la Medicare.

Munthawi izi, kampani ya inshuwaransi yazaumoyo sangakane kukupatsirani ndondomeko yothandizirana ndi Medicare.

• Gwiritsani ntchito Medicare.gov's chida chopeza ndikuyerekeza malingaliro a Medigap. Ganizirani ndalama zomwe mumalipira mwezi ndi mwezi za inshuwaransi, kuchuluka kwa ndalama zomwe mungakwanitse kulipira, komanso ngati muli ndi matenda omwe angakulimbikitseni ndalama zanu mtsogolo.
• Lumikizanani ndi State Health Insurance Assistance Program (SHIP) yanu. Funsani chiwongolero chofananira pamalonda.
• Lumikizanani ndi makampani a inshuwaransi olimbikitsidwa ndi abwenzi kapena abale (kapena makampani omwe mudagwiritsa ntchito m'mbuyomu). Funsani mtengo wamagulu a Medigap. Funsani ngati akupatsani kuchotsera komwe mungayenerere (monga osasuta).
• Lumikizanani ndi Dipatimenti Yanu ya Inshuwaransi ya Boma. Funsani mndandanda wazodandaula zamakampani a inshuwaransi, ngati alipo. Izi zitha kukuthandizani kuchotsa makampani omwe atha kukhala ovuta kwa omwe adzapindule nawo.

Kumbukirani, kufotokozedwa kwa Medigap kumakhala kofanana. Mudzalandiridwa chimodzimodzi mosasamala kampani ya inshuwaransi, kutengera dera lomwe mukukhala, koma mutha kulipira zochepa.

Kutenga

Medicare supplement Plan G, yomwe imadziwikanso kuti Medigap Plan G, ndiye njira yabwino kwambiri yothandizirana ndi inshuwaransi yamakampani omwe amapereka.

Ndondomekoyi ingakuthandizeni kuchepetsa ndalama zomwe muli nazo mukakhala ndi Medicare yoyambirira.

Ngati mugula ndondomeko ya Plan G, kulembetsa nthawi yomwe mwalembetsa kuti mutsegule ndiye kuti ndiokwera mtengo kwambiri.

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.