Kodi Mumapeza Chiyani Ndi Medicare Supplement Plan M?

Zamkati

• Zomwe zili pansi pa Medicare Supplement Plan M?
• Zomwe sizikuphimbidwa pansi pa Medicare Supplement Plan M?
• Mankhwala osokoneza bongo
• Zowonjezera
• Kodi Medicare imathandizira bwanji kufalitsa?
• Zosankha
• Kukhazikitsa
• Kuyenerera
• Kuphunzira kwa mnzanu
• Malipiro
• Kutenga

Dongosolo la Medicare Supplement (Medigap) Plan M lidapangidwa kuti lipereke ndalama zochepa pamwezi, zomwe ndi ndalama zomwe mumalipira pa pulaniyo. Posinthanitsa, mudzayenera kulipira theka la chipatala chanu cha Part A kuchipatala.

Medigap Plan M ndi imodzi mwazopereka zomwe zidapangidwa ndi Medicare Modernization Act, yomwe idasainidwa kukhala lamulo mu 2003. Plan M idapangidwira anthu omwe ali omasuka ndikugawana ndalama ndipo samayembekezera kupita kuzipatala pafupipafupi.

Werengani kuti mudziwe zomwe zaphimbidwa komanso zosaphimbidwa pansi pa Medicare Supplement Plan M.

Zomwe zili pansi pa Medicare Supplement Plan M?

Ndondomeko ya Medicare Supplement Plan M ikuphatikiza izi:

* Ndikofunikira kudziwa kuti pomwe Plan N ikulipira 100% ya Part b yanu ya ndalama, mudzakhala ndi ndalama zokwana mpaka $ 20 pamaulendo ena amaofesi komanso mpaka $ 50 copay yoyendera zipinda zadzidzidzi zomwe sizimapangitsa kuti alandire odwala.

Zomwe sizikuphimbidwa pansi pa Medicare Supplement Plan M?

Maubwino otsatirawa ndi awa osaphimbidwa pansi pa pulani M:

• Gawo B deductible
• Chiwongola dzanja cha Part B

Ngati dokotala wanu amalipiritsa chindapusa pamlingo womwe Medicare yapatsidwa, izi zimadziwika kuti gawo B loonjezera. Ndi Medigap Plan M, muli ndi udindo wolipiritsa ndalama zowonjezera za Part B.

Kuphatikiza pa kupatula izi, pali zinthu zina zochepa zomwe sizikukhudzidwa ndi dongosolo lililonse la Medigap. Tidzawafotokozera otsatirawa.

Mankhwala osokoneza bongo

Medigap saloledwa mwalamulo kupereka chithandizo chamankhwala cha kuchipatala.

Mukakhala ndi Medicare yoyambirira (Gawo A ndi Gawo B), mutha kugula Medicare Part D kuchokera ku kampani yabizinesi ya inshuwaransi. Gawo D ndilowonjezera ku Medicare yoyambirira yomwe imapereka chithandizo chamankhwala.

Zowonjezera

Mapulani a Medigap samaphimba masomphenya, mano, kapena kumva. Ngati kufotokozaku ndikofunikira kwa inu, mungafune kulingalira za Medicare Advantage (Gawo C), popeza mapulaniwa nthawi zambiri amakhala ndi maubwino amenewa.

Monga ndi Medicare Part D, mumagula dongosolo la Medicare Advantage kuchokera ku kampani yabizinesi ya inshuwaransi.

Ndikofunika kudziwa kuti simungakhale ndi dongosolo la Medigap komanso dongosolo la Medicare Advantage nthawi yomweyo. Mutha kusankha chimodzi kapena chimzake.

Kodi Medicare imathandizira bwanji kufalitsa?

Ndondomeko za Medigap ndi mapulani okhazikika omwe amapezeka kuchokera kumakampani azamshuwaransi wamba. Amathandizira kulipira ndalama zotsalira kuchokera ku Medicare Part A (inshuwaransi ya chipatala) ndi Gawo B (inshuwaransi ya zamankhwala).

Zosankha

M'maboma ambiri, mutha kusankha pakati pa mapulani 10 osiyanasiyana a Medigap (A, B, C, D, F, G, K, L, M, and N). Dongosolo lirilonse limakhala ndi umwini wosiyana ndipo limakhala ndi zosankha zosiyanasiyana. Izi zimakupatsani mwayi wosankha momwe mungakwaniritsire kutengera bajeti yanu ndi zosowa zanu zathanzi.

Kukhazikitsa

Ngati mumakhala ku Massachusetts, Minnesota, kapena Wisconsin, malingaliro a Medigap - kuphatikiza kufotokozedwa komwe kumaperekedwa kudzera mu Medigap Plan M - amakhala okhazikika mosiyana ndi m'maiko ena ndipo akhoza kukhala ndi mayina osiyanasiyana.

Kuyenerera

Muyenera kulembetsa ku Medicare yoyambirira kuti mudzalandire Medicare Plan M kapena dongosolo lina lililonse la Medigap.

Kuphunzira kwa mnzanu

Mapulani a Medigap amatenga munthu m'modzi yekha. Ngati inu ndi mnzanu nonse mwalembetsa ku Medicare yoyambirira, aliyense amafunikira ndondomeko yake ya Medigap.

Zikatere, inu ndi mnzanuyo mungasankhe mapulani osiyanasiyana. Mwachitsanzo, mutha kukhala ndi Medigap Plan M ndipo mnzanu atha kukhala ndi Medigap Plan C.

Malipiro

Mutalandira chithandizo chovomerezeka ndi Medicare pamtengo wovomerezeka ndi Medicare:

1. Medicare Part A kapena B amalipira gawo lake pamtengo.
2. Ndondomeko yanu ya Medigap ipereka gawo limodzi pamtengo.
3. Mulipira gawo lanu, ngati alipo.

Mwachitsanzo, ngati muli ndi maulendo obwera kuchipatala ndi dotolo wanu mutatha kuchitapo kanthu ndipo muli ndi Medicare Supplement Plan M, mudzalipira maulendo awo mpaka mutalipira kuchipatala chanu cha Medicare Part B chaka chilichonse.

Mukakumana ndi deductible, Medicare imalipira 80 peresenti ya chisamaliro chanu cha kuchipatala. Kenako, Medicare Supplement Plan M imalipira ena 20%.

Ngati dokotalayo sakulandira ndalama zomwe Medicare wapatsidwa, uyenera kulipira ndalama zochulukirapo, zomwe zimadziwika kuti Part B yolipira.

Mutha kufunsa dokotala musanalandire chithandizo. Mwalamulo, dokotala wanu saloledwa kulipiritsa zoposa 15 peresenti pamwamba pa ndalama zovomerezeka ndi Medicare.

Kutenga

Medicare Plan M itha kukuthandizani kulipira zolipira kuchipatala zomwe sizinapezeke koyambirira kwa Medicare (gawo A ndi B). Monga mapulani onse a Medigap, Medicare Supplement Plan M sichikuphimba mankhwala omwe mumalandira kapena phindu lina, monga mano, masomphenya, kapena 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.