Ndondomeko ya Medicare Supplement K: Kumvetsetsa Mtengo

Zamkati

• Kodi Medicare Supplement Plan K imawononga ndalama zingati?
• Kodi Medicare Supplement Plan K imakhudza chiyani?
• Ndani angalembetse mu Medicare Supplement Plan K?
• Kodi mumagula bwanji Medicare Supplement Plan K?
• Kutenga

• Chithandizo cha Medicare (Medigap)Dongosolo K limathandizira kubweza zina mwazamalipiro anu a inshuwaransi yazaumoyo.
• Lamulo la Federal limatsimikizira kuti kulikonse komwe mungagule Medigap Plan K, ziphatikizanso zomwezo.
• Mtengo wa Medigap Plan K umasiyana malinga ndi komwe mumakhala, mukalembetsa, komanso thanzi lanu.

Medicare Supplement Plan K idapangidwa kuti izithandizira pazinthu zina zotulutsira mthumba zomwe zimadza ndi kufalitsa kwachikhalidwe cha Medicare.

"Dongosolo" la Medicare ndi losiyana ndi "magawo" a Medicare - malowa ndi ntchito zanu zokutumizirani kudzera kuboma ndipo mapulaniwo ndi inshuwaransi yowonjezera yomwe amagulitsa ndi makampani wamba.

Amatchedwanso Medigap, mapulani owonjezera a Medicare amakhala pamagwiritsidwe awo ndi mtengo wake. Nkhaniyi iwunika mozama mtengo womwe umapezeka ndi Medicare Supplement Plan K.

Kodi Medicare Supplement Plan K imawononga ndalama zingati?

Centers for Medicare & Medicaid Services (CMS) imafuna kuti makampani a inshuwaransi apereke malingaliro ofanana a Medigap. Izi zikutanthauza kuti Plan K imapereka zomwezo ku Tennessee monga zimachitikira ku California.

Komabe, mapulani awa sanakhazikitsidwe malinga ndi mtengo wake. Makampani a inshuwaransi amatha kulipiritsa ndalama zosiyanasiyana pamalingaliro a Medigap.

Makampani amakonda kugula mitengo ya Medigap pogwiritsa ntchito mitundu itatu yamitengo:

• Zakwaniritsidwa zaka. Olembetsa amalipira ndalama zomwe zimawonjezeka kutengera msinkhu wawo. Ndondomekozi nthawi zambiri zimakhala zotsika mtengo kwambiri ngati munthu angawagule adakali aang'ono ku Medicare, ndiye kuti akhoza kukhala okwera mtengo kwambiri munthu akamakalamba.
• Ovotera pagulu. Makampani a inshuwaransi samakhazikitsa mapulani awa pazaka za munthu. Kuchulukitsa kumatha kuwonjezeka pakapita nthawi, zokhudzana ndi kufufuma, komabe.
• Zaka zakubadwa zidavotera. Zomwe zimadziwikanso kuti mapulani oyerekeza zaka zakubadwa, mitengo yamadongosolo ikukhudzana ndi zaka zomwe munthu anali nazo pomwe adagula ndalamazo. Kampani ya inshuwaransi imatha kuwonjezera ndalama zoyendetsera ndalama potengera kukwera kwamitengo, koma osati pazaka zomwe munthu akukula.

Ndikofunika kufunsa momwe kampani imagulira mapulani ake, chifukwa izi zidzakuthandizani kulingalira mapulani anu mukamakalamba. Zolinga zina zimaperekanso kuchotsera, monga kusasuta, kulipira ndi kubwereka kubanki, kapena kukhala ndi mfundo zingapo ndi kampaniyo.

Mtengo wa Medicare Supplement Plan K umasiyana malinga ndi boma komanso kampani ya inshuwaransi. Mutha kuyika ZIP code yanu mu Medicare's Medigap plan finder kuti mupeze ndalama zoyerekeza mapulani mdera lanu.

Onani mitundu ina ya mitengo ya Medigap Plan K m'mizinda ingapo ku United States ya 2021:

Monga mukuwonera, mitengo yapakati imatha kusiyanasiyana kutengera komwe mumakhala. Mitunduyi imayimiriranso mitengo yosiyanasiyana kutengera msinkhu wanu, kugonana, mukamagula dongosolo, kugwiritsa ntchito fodya, ndi zina zathanzi.

Kodi Medicare Supplement Plan K imakhudza chiyani?

Medicare imafunikira mapulani a Medigap kuti akhale okhazikika. Izi zikutanthauza kuti amafotokoza zomwezo mdziko lonselo. Zitsanzo za zomwe zimakonzedwa ndi Plan K zikuphatikiza:

• Gawo A chitsimikizo cha ndalama komanso kuchipatala kwa masiku 365 munthu atagwiritsa ntchito phindu lake la Medicare
• 50% ya Gawo A limachotsedwa
• 50 peresenti ya mitengo ya mapiritsi atatu oyamba a magazi
• 50% ya Part A chisamaliro cha odwala chitsimikiziro kapena ndalama zolipirira
• 50% ya chitsimikizo cha ndalama zothandizira chisamaliro cha aluso
• Peresenti ya 50 yakulipira kwa Part B ndalama kapena ma copayment

Dongosolo K silipira zinthu zina zomwe malingaliro ena a Medigap atha. Zitsanzo ndi gawo la B lochotsedwa, Gawo B ndalama zowonjezera, komanso kusinthana kwakunja.

Malire omwe ali kunja kwa thumba a Medicare Plan K ndi $ 6,220 mu 2021. Izi zikutanthauza kuti mukangolipira gawo B pachaka kuchotsera ndikukwaniritsa malire a Plan K pachaka, malingaliro a Medigap amalipira 100% ya ntchito zovomerezeka ndi Medicare zotsalazo ya chaka cha kalendala.

Ndani angalembetse mu Medicare Supplement Plan K?

Muyenera kukhala ndi Medicare yoyambirira kuti mugule dongosolo lowonjezera la Medicare. Makampani a inshuwaransi sangapereke mapulani owonjezera a Medicare kwa iwo omwe ali ndi Medicare Advantage.

Ngati muli ndi Medicare Part A ndi Medicare Part B, mutha kulembetsa mu dongosolo la Medigap. Kuphatikiza pa ndalama zomwe mumalipira Gawo B, mudzalipira mtengo wa Medigap pamwezi. Simungagawane mfundo ndi mnzanu - aliyense ayenera kukhala ndi mfundo zake.

Nthawi yabwino yofunsira Medigap Plan K ndi nthawi yanu yoyamba kulembetsa. Windo ili limayamba tsiku loyamba gawo lanu la Part B likhala logwira ntchito ndipo limatha miyezi 6.

Pazenera lanu loyamba kulembetsa ku Medigap, makampani a inshuwaransi sangakhazikitse ndalama zanu pazomwe zidalipo kale ndipo kampani singakane kukupatsani mfundo. Kupanda kutero, mutha kugula mfundo nthawi iliyonse, koma kampani ya inshuwaransi ingafune kukayezetsa kuchipatala kaye ndipo angakane kukuphimbirani.

Pambuyo pa zenera ili, pakhoza kukhala nthawi zina pomwe "mwakhala mukutsimikizira" ufulu wogula mfundo. Izi zitha kuphatikizira ngati mutataya chithandizo kuchokera kuchipatala. Komabe, panthawiyi, mungafunikire kuyankha mafunso okhudzana ndi mbiri yanu yazaumoyo omwe angakwezere mtengo.

Kodi mumagula bwanji Medicare Supplement Plan K?

Medicare safuna kuti makampani a inshuwaransi apereke dongosolo lililonse. Ngati kampani ya inshuwaransi ikasankha kugulitsa malingaliro a Medigap, ayenera kupereka Plan A.

Ngati mukufuna kugula dongosolo la Medigap, muli ndi njira zingapo:

• Pitani ku Medicare.gov ndipo fufuzani mapulani a Medigap m'boma lanu kapena ndi ZIP code.
• Imbani pulogalamu yanu yothandizira inshuwaransi ya boma. Amadziwikanso kuti SHIPO, bungweli limathandiza anthu kupeza upangiri pazinthu zomwe zingachitike mdera lanu.
• Imbani kapena pitani ku inshuwaransi ndi kampani ya inshuwaransi yomwe mungafune mtengo kuchokera ku mfundo za Medigap.

Pankhani ya malingaliro a Medigap, zimathandiza kugula mozungulira. Chifukwa kufotokozera ndikofanana, kuyesa kupeza mfundo zotsika mtengo zitha kukhala zothandiza.

Kumbukirani kufunsa momwe kampani ya inshuwaransi imagulira ndalamazo. Ngati lamuloli likuyendera zaka, mungafunikire kulingalira momwe ndalama zanu zingasinthire mukamakalamba.

Kutenga

Medicare Plan K ndi njira imodzi yokhazikitsira Medicare. Mtengo umatha kusiyanasiyana kutengera komwe muli, mukalembetsa, momwe kampani ya inshuwaransi imagulira mfundo zake, ndi zina zambiri.

Ngati mukufuna Medigap Plan K, zimathandiza kugula zinthu pa intaneti, pafoni, kapena panokha.

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.