Zomwe Muyenera Kudziwa Zokhudza Medicare Supplement Plan K Co

Zamkati

• Kodi Medicare Supplement Plan K imakhudza chiyani?
• Chifukwa chiyani mumagula Medicare Supplement Plan K?
• Kodi malire omwe amachotsedwa m'thumba amagwira ntchito bwanji?
• Zomwe sizikuphimbidwa ndi Medicare Supplement Plan K
• Kutenga

Medicare Supplement Plan K ndi imodzi mwamapulani 10 osiyanasiyana a Medigap ndi imodzi mwanjira ziwiri za Medigap zomwe zimakhala ndi malire mthumba chaka chilichonse.

Ndondomeko za Medigap zimaperekedwa m'maiko ambiri kuti zithandizire kulipirira zina mwazithandizo zomwe sizinaperekedwe ndi Medicare yoyambirira (Gawo A ndi Gawo B). Ngati mumakhala ku Massachusetts, Minnesota, kapena Wisconsin, malingaliro a Medigap ali ndi mayina amitundu yosiyana.

Kuti muyenerere dongosolo lililonse la Medigap, muyenera kulembetsa ku Medicare yoyambirira.

Tiyeni tiwone zomwe Medicare Supplement Plan K ikuphimba, sizikuphimba, komanso ngati zingakhale zoyenera kwa inu.

Kodi Medicare Supplement Plan K imakhudza chiyani?

Medicare Supplement Plan K imaphatikizapo kufotokozera izi za Medicare Part A (inshuwaransi ya chipatala) ndi Medicare Part B (inshuwaransi yazachipatala), komanso zowonjezera.

Nayi kuwonongeka kwa mtengo wa Medigap Plan K wokhudza:

• Gawo A chitsimikizo cha ndalama komanso kuchipatala kwa masiku ena 365 kuchokera pomwe phindu la Medicare latha: 100%
• Gawo A deductible: 50%
• Gawo A chisamaliro cha okalamba kapena chindapusa: 50%
• magazi (mapiritsi atatu oyamba): 50%
• aluso oyang'anira chisamaliro chachitetezo: 50%
• Gawo B chitsimikizo kapena zolipira: 50%
• Gawo B deductible: osaphimbidwa
• Chiwongola dzanja cha Part B: osaphimbidwa
• kusinthana kwakunja: osaphimbidwa
• Malire akunja kwa mthumba:

  Chifukwa chiyani mumagula Medicare Supplement Plan K?

  Chimodzi mwazinthu zomwe zimapangitsa Medicare Supplement Plan K kukhala yosiyana ndi mitundu ina yambiri ya Medigap ndi malire apachaka.

  
  

  Ndi Medicare yoyambirira, palibe chindapusa pamalipiro anu apachaka otuluka m'thumba. Kugula Medicare Supplement Plan K kumachepetsa kuchuluka kwa ndalama zomwe mungagwiritse ntchito pazachipatala pakatha chaka. Izi nthawi zambiri zimakhala zofunika kwa anthu omwe:

  • amakhala ndi mitengo yokwera kuchipatala, nthawi zambiri chifukwa chodwala
  • Mukufuna kupewa mavuto azachuma pakagwa mwadzidzidzi mtengo wamankhwala mosayembekezereka

  Kodi malire omwe amachotsedwa m'thumba amagwira ntchito bwanji?

  Mukakumana ndi gawo B lanu lopachikidwa pachaka komanso Medigap yanu yopanda thumba pachaka, 100% yazantchito zonse zomwe zimaperekedwa chaka chonse zimalipiridwa ndi dongosolo lanu la Medigap.

  Izi zikutanthauza kuti simuyenera kukhala ndi ndalama zochotsera m'thumba chaka chilichonse, bola ntchitozo ndizoperekedwa ndi Medicare.

  Dongosolo lina la Medigap lomwe limaphatikizapo malire akutulutsidwa chaka ndi chaka ndi Medicare Supplement Plan L. Nayi malire akunja kwa thumba pamalingaliro onsewa mu 2021:

  • Dongosolo lowonjezera la Medicare K: $6,220
  • Ndondomeko Yowonjezera ya Medicare L: $3,110
  

  Zomwe sizikuphimbidwa ndi Medicare Supplement Plan K

  Monga tanena kale, Plan K siyimalipira gawo B deductible, Gawo B zolipiritsa, kapena ntchito zapaulendo zakunja.

  
  

  Ndondomeko za Medigap sizimakhudza masomphenya, mano, kapena kumva. Ngati mukufuna kufotokozedwa kotere, ganizirani dongosolo la Medicare Advantage (Gawo C).

  Kuphatikiza apo, mapulani owonjezera a Medicare sakuphatikiza mankhwala ogulitsira kunja. Kuti mupeze chithandizo chamankhwala akuchipatala, mufunika dongosolo lina la Medicare Part D kapena dongosolo la Medicare Advantage lomwe liphatikizidwenso.

  Kutenga

  Medicare Supplement Plan K kufotokozera ndi imodzi mwama 10 osiyanasiyana a Medigap omwe angalipire ndalama zina zotsalira kuchokera kuchipatala choyambirira cha Medicare.

  Pamodzi ndi Medicare Supplement Plan L, ndi imodzi mwamapulogalamu awiri a Medigap omwe akuphatikizira ndalama zomwe mungagwiritse ntchito kuchipatala chovomerezeka ndi Medicare.

  Medicare Supplement Plan K siyikuphatikiza kufalitsa kwa:

  • mankhwala osokoneza bongo
  • mano
  • masomphenya
  • kumva

  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.