Ndondomeko ya Medigap G: Kuthetsa Mtengo wa 2021

Zamkati

• Kodi Medicare Supplement Plan G imawononga ndalama zingati?
• Malipiro apamwezi
• Zodulidwa
• Makopala ndi chitsimikizo cha ndalama
• Ndalama zotuluka m'thumba
• Kodi Medicare Supplement Plan G imaphimba chiyani?
• Kodi Medicare Supplement Plan G ndi njira yabwino ngati simungathe kupeza Plan F?
• Ndani angalembetse ku Medicare Supplement Plan G?
• Kodi mungagule kuti Medicare Supplement Plan G?
• Komwe mungapeze thandizo posankha dongosolo la Medigap
• Kutenga

Medicare ndi pulogalamu ya inshuwaransi yolipidwa ndi boma yomwe ili ndi magawo angapo, lililonse limapereka njira zosiyanasiyana zofotokozera:

• Medicare Part A (inshuwaransi ya chipatala)
• Medicare Part B (inshuwaransi ya zamankhwala)
• Medicare Gawo C (Medicare Advantage)
• Medicare Part D (Kuphunzira mankhwala osokoneza bongo)

Ngakhale Medicare imalipira ndalama zambiri, pali zinthu zina zomwe sizikuphimbidwa. Chifukwa cha ichi, za anthu omwe ali ndi Medicare ali ndi mtundu wina wa inshuwaransi yowonjezera.

Medigap ndi inshuwaransi yowonjezera yomwe imatha kuphimba zinthu zina zomwe Medicare satero. Pafupifupi anthu omwe adalembetsa ku Medicare magawo A ndi B nawonso adalembetsa nawo ndondomeko ya Medigap.

Medigap ili ndi mapulani 10 osiyanasiyana, iliyonse yopereka mitundu yowonjezera yowonjezera. Chimodzi mwazinthu izi ndi Plan G.

Pitirizani kuwerenga pamene tikukambirana za mitengo yokhudzana ndi Plan G, momwe mungalembetsere, ndi zina zambiri.

Kodi Medicare Supplement Plan G imawononga ndalama zingati?

Tiyeni tiwononge zina mwa zolowa mu Plan G.

Malipiro apamwezi

Ngati mungalembetse dongosolo la Medigap, muyenera kulipira ndalama pamwezi. Izi zidzakhala kuwonjezera pa Medicare Part B yanu yoyamba pamwezi.

Chifukwa makampani a inshuwaransi achinsinsi amagulitsa malingaliro a Medigap, ndalama zomwe amalandira mwezi uliwonse zimasiyana malinga ndi mfundo. Makampani amatha kusankha kupereka ndalama zawo m'njira zosiyanasiyana. Njira zitatu zazikuluzikulu zomwe amakhazikitsa ndalama zowonjezera ndi izi:

• Anthu adavotera. Aliyense amene ali ndi lamuloli amalipira malipiro omwewo pamwezi, mosasamala kanthu za msinkhu wake.
• Zaka zakubadwa zidavotera. Misonkho yamwezi uliwonse imakhazikitsidwa malinga ndi zaka zanu mukamagula malingaliro anu. Anthu omwe amagula adakali aang'ono amakhala ndi ndalama zochepa pamwezi.
• Zakwaniritsidwa zaka. Misonkho yamwezi uliwonse imakhazikitsidwa kutengera msinkhu wanu wapano. Chifukwa cha izi, ndalama zanu zowonjezera zimawonjezeka mukamakalamba.

Zodulidwa

Ngakhale Plan G imafotokoza za Medicare Part A deductible, siyikuphimba Medicare Part B deductible.

Ndondomeko za Medigap nthawi zambiri sizikhala ndi deductible yawo. Izi zitha kukhala zosiyana pa Plan G. Kuphatikiza pa Plan G yanthawi zonse (yopanda deductible), njira yodula kwambiri imapezekanso.

Dongosolo lochotseredwa kwambiri G nthawi zambiri limakhala ndi zolipira zochepa pamwezi. Komabe, muyenera kulipira deductible ya $ 2,370 ndondomeko yanu isanayambe kulipira phindu. Palinso chaka chilichonse chowongoleredwa pantchito zadzidzidzi zomwe zimagwiritsidwa ntchito paulendo wakunja.

Makopala ndi chitsimikizo cha ndalama

Plan G imakhudza kukopera ndalama komanso ndalama zothandizidwa ndi Medicare magawo A ndi B. Ngati muli ndi ndondomeko ya Plan G, simudzakhala ndi udindo pazindazi.

Ndalama zotuluka m'thumba

Pali zinthu zina zomwe Medigap samaphimba, ngakhale izi zimatha kusiyanasiyana ndi mfundo. Ntchito ikapanda kubisidwa, muyenera kulipira mtengo wotuluka m'thumba.

Zitsanzo zina za ntchito zomwe nthawi zambiri sizikupezeka mu ndondomeko za Medigap ndi izi:

• chisamaliro cha nthawi yayitali
• mano
• masomphenya, kuphatikizapo magalasi amaso
• zothandizira kumva
• chisamaliro chachinsinsi

Mosiyana ndi mapulani ena a Medigap, Plan G ilibe malire otuluka m'thumba.

Tiyeni tiwone zitsanzo zitatu za mizinda kuti tiwone mtengo wa Plan G mu 2021:

Kodi Medicare Supplement Plan G imaphimba chiyani?

Medigap Plan G ndi dongosolo lophatikizira kwambiri. Amapereka 100% ya zotsatirazi:

• Gawo la Medicare Deductible
• Gawo la Medicare A chitsimikizo
• Medicare Part A kuchipatala amawononga
• Medicare Part A hospice kapena chitsimikizo
• luso la unamwino waluso
• magazi (mapiritsi atatu oyamba)
• Medicare Part B ndalama zothandizira kapena copay
• milandu yochulukirapo yokhudzana ndi Medicare Part B

Kuphatikiza apo, Plan G imakhudza 80 peresenti ya ntchito zaumoyo zoperekedwa paulendo wakunja.

Mapulani a Medigap amakhala okhazikika, zomwe zikutanthauza kuti kampani iliyonse iyenera kufotokozera chimodzimodzi. Mukamagula ndondomeko ya Plan G, muyenera kulandira maubwino onse omwe atchulidwa pamwambapa mosasamala kanthu kuti mumagula kuchokera kuti.

Kodi Medicare Supplement Plan G ndi njira yabwino ngati simungathe kupeza Plan F?

Plan F ndiye yophatikiza kwambiri mapulani osiyanasiyana a Medigap. Komabe, ndani angalembetse zasintha kuyambira 2020.

Kusintha uku ndikuti mapulani a Medigap omwe agulitsidwa kwa iwo atsopano ku Medicare sangathenso kutulutsa ndalama za Medicare Part B, zomwe zikuphatikizidwa mu Plan F.

Iwo omwe ali kale ndi Plan F kapena anali atsopano ku Medicare isanafike Januware 1, 2020 akadatha kukhala ndi ndondomeko ya Plan F.

Plan G itha kukhala njira yabwino ngati mwatsopano ku Medicare ndipo simungathe kulembetsa mu Plan F. Kusiyana kokha pakufotokozera pakati pa ziwirizi ndikuti Plan G siyikuphimba gawo la Medicare Part B.

Ndani angalembetse ku Medicare Supplement Plan G?

Mutha kugula mfundo za Medigap panthawi yolembetsa ku Medigap. Iyi ndi nthawi ya miyezi 6 yomwe imayambira mwezi womwe muli ndi zaka 65 kapena kupitilira apo ndipo mwalembetsa ku Medicare Part B.

Malangizo ena olembetsa omwe amapezeka ndi Medigap ndi awa:

• Ndondomeko za Medigap zimangokhudza munthu m'modzi, ndiye kuti mnzanuyo adzafunika kugula zawo.
• Malamulo aboma safuna kuti makampani azigulitsa malingaliro a Medigap kwa iwo omwe sanakwanitse zaka 65. Ngati simunakwanitse zaka 65 ndipo mukuyenera kulandira Medicare, mwina simungathe kugula malingaliro a Medigap omwe mukufuna.
• Simungakhale ndi mfundo za Medigap komanso ndondomeko ya Medicare Part C (Medicare Advantage). Ngati mukufuna kugula ndondomeko ya Medigap, muyenera kubwerera ku Medicare yoyambirira (magawo A ndi B).
• Ndondomeko za Medigap sizingakwaniritse mankhwala omwe munthu wakupatsani. Ngati mungafune kulandira mankhwala akuchipatala, muyenera kulembetsa mu dongosolo la Medicare Part D.

Ndondomeko za Medigap ndizotsimikizika kuti zitha kupitsidwanso, ngakhale mutakhala ndi mavuto azaumoyo. Izi zikutanthauza kuti mfundo zanu sizingathetsedwe bola mukapitiliza kulembetsa ndikulipira ndalama zanu.

Kodi mungagule kuti Medicare Supplement Plan G?

Makampani a inshuwaransi apadera amagulitsa malingaliro a Medigap. Mutha kugwiritsa ntchito chida chofufuzira cha Medicare kuti mudziwe mapulani omwe amaperekedwa mdera lanu.

Muyenera kulowetsa ZIP code yanu ndikusankha dera lanu kuti muwone mapulani omwe alipo. Ndondomeko iliyonse idzalembedwa pamwezi woyambira pamwezi, ndalama zina zomwe zingatheke, ndi zomwe zilipo komanso zosaphimbidwa.

Muthanso kuyang'ana makampani omwe amapereka pulani iliyonse komanso momwe amapangira ndalama zawo pamwezi. Chifukwa mtengo wamalamulo a Medigap umatha kusiyanasiyana ndi kampani, ndikofunikira kufananiza mfundo zingapo za Medigap musanasankhe chimodzi.

Komwe mungapeze thandizo posankha dongosolo la Medigap

Mutha kugwiritsa ntchito zotsatirazi kukuthandizani kusankha dongosolo la Medigap:

• Chida chofufuzira pa intaneti. Yerekezerani mapulani a Medigap pogwiritsa ntchito chida chofufuzira cha Medicare.
• Itanani Medicare mwachindunji. Imbani 800-633-4227 pa mafunso aliwonse kapena nkhawa zokhudzana ndi Medicare kapena Medigap.
• Lumikizanani ndi dipatimenti yanu ya inshuwaransi. Madipatimenti a inshuwaransi a boma atha kukuthandizani kukudziwitsani za mapulani a Medigap m'boma lanu.
• Lumikizanani ndi State Health Insurance Assistance Program (SHIP) yanu. Zombo zimathandiza kupereka zidziwitso ndi upangiri kwa omwe adalembetsa kapena kusintha zina pazochitika zawo.

Kutenga

• Medigap Plan G ndi njira yothandizira inshuwaransi ya Medicare. Zimapereka ndalama zosiyanasiyana zomwe sizikulipidwa ndi gawo la Medicare A ndi B, monga ndalama zandalama, ma copay, ndi zina zomwe zimachotsedwa.
• Ngati mugula ndondomeko ya Plan G, mudzalipira ndalama zoyambira pamwezi, zomwe zimatha kusiyanasiyana ndi kampani yomwe ikupereka ndalamazo. Izi ndizophatikiza pa mtengo wanu woyamba wa Medicare Part B.
• Ndalama zina zimaphatikizapo kuchotsedwa kwa Medicare Part B komanso maubwino omwe sanapezedwe ndi Medigap, monga mano ndi masomphenya. Ngati muli ndi Plan G yochepetsedwa kwambiri, muyenera kulipira ndalama musanakhazikitse mfundo zanu zandalama.
• Plan G ikhoza kukhala njira yabwino ngati simukuloledwa kugula Plan F. Kusiyana komwe kulipo pakati pa mapulani awiriwa ndikuti Plan G siyikuphimba gawo la Medicare Part B.

Werengani nkhaniyi m'Chisipanishi

Nkhaniyi idasinthidwa pa Novembala 16, 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.