Kodi ndondomeko ya Medicare Supplement Plan N ya Medigap for You?

Zamkati

• Kodi Medicare Supplement Plan N ndi chiyani?
• Kodi Medicare supplement (Medigap) Plan N chivundikiro ndi chiyani?
• Ubwino wa Medigap Plan N
• Zoyipa za Medigap Plan N
• Kodi ndine woyenera ku Medigap Plan N?
• Kodi Medicare Supplement Plan N imawononga ndalama zingati?
• Kutenga

Ngati mukuyenera kulandira Medicare, dongosolo la Medicare supplement kapena "Medigap" limapereka inshuwaransi yowonjezera yowonjezera. Medigap Plan N ndi "pulani" osati "gawo" la Medicare, monga Gawo A ndi Gawo B, lomwe limafotokoza zosowa zanu zamankhwala.

Medicare Supplement Plan N ndi mtundu umodzi wa inshuwaransi yomwe mungagule kuti muchepetse ndalama zomwe mumalandira. Mapulaniwa atha kulipira ndalama monga ndalama zoyambira, ma copay, ndi zochotseredwa.

Kusankha dongosolo la Medigap kumatha kukhala kosokoneza chifukwa mapulani osiyanasiyana amapereka magawo osiyanasiyana okutira ndi maubwino. Kumvetsetsa maubwinowa kungakuthandizeni kusankha dongosolo la Medigap lomwe ndi loyenera.

Kodi Medicare Supplement Plan N ndi chiyani?

Monga mapulani ena asanu ndi anayi a Medigap, Plan N ndi mtundu wa inshuwaransi wa Medicare womwe umathandizidwa ndi anthu ena. Zapangidwa kuti zikuthandizireni kulipira ndalama zakunja kwa thumba lanu zomwe Medicare Part A ndi Medicare Part B sizikuphimba.

Dongosolo N limakhudza zinthu monga Medicare Part A ndalama zandalama, ndalama zomwe muyenera kulipira mthumba kuti mumuthandizire komanso kuchipatala, komanso Medicare Part B ndalama zothandizira odwala akunja. Ngati mumagwiritsa ntchito ndalama zambiri chaka chilichonse pa ndalama zothandizira ndalama komanso ma copays, Medicare Supplement Plan N ikhoza kudzilipirira yokha mofulumira.

Mapulani a Medigap Plan N amafunika malinga ndi lamulo kuti akhale okhazikika. Izi zikutanthauza kuti ngakhale mutagula kampani N ya Medicare yowonjezerapo, iyenera kufotokoza chimodzimodzi.

Sizinthu zonse za Medigap zomwe zimapezeka kulikonse. Plan N sikuyenera kugulitsidwa m'boma lililonse, ndipo makampani a inshuwaransi omwe amagulitsa njira zowonjezera za Medicare amatha kusankha komwe angagulitse ndondomeko zawo za Plan N.

Ngati mumakhala ku Massachusetts, Minnesota, kapena Wisconsin, kukhazikitsidwa kwa mapulani a Medigap kumatha kusiyanasiyana.

Kodi Medicare supplement (Medigap) Plan N chivundikiro ndi chiyani?

Medigap imangotengera ntchito zovomerezeka ndi Medicare. Chifukwa chake, sichidzaphimba zinthu monga chisamaliro cha nthawi yayitali, masomphenya, mano, zothandizira kumva, magalasi amaso, kapena unamwino wapagulu.

Gawo lowonjezera la Medicare limakhudza mtengo wa zotsatirazi:

• Gawo la Medicare Deductible
• Medicare Part A coinsurance ndi chipatala amakhala mpaka masiku 365
• Medicare Part B chitsimikizo cha kuchipatala ndi njira zothandizira odwala
• Medicare Part B imakopera pamaofesi a othandizira azaumoyo
• kuthiridwa magazi (mpaka mapaipi atatu oyamba)
• chisamaliro cha anamwino ndi unamwino waluso chitsimikizo
• 80% ya ndalama zothandizira pantchito yopita kunja kwa United States

Medicare yowonjezerapo Plan N sichikuphimba kuchotsera kwa Medicare Part B. Izi ndichifukwa chosintha kwamalamulo a Medicare omwe amaletsa mapulani onse a Medigap kuti asavomere gawo la Medicare Part B.

Ngakhale kuti Medigap Plan N imakhudza 100% ya mapulani anu a Plan B, ndiye kuti muli ndiudindo woyendera madotolo mpaka $ 20 komanso maulendo azaka zapadera oyendera madola 50.

Plan N ndiyofanana ndi mapulani F ndi G, koma itha kukhala yotsika mtengo kwambiri. Kwa anthu ena, Plan N ikhoza kukhala njira yotsika mtengo pofikira ku Medigap.

Ubwino wa Medigap Plan N

• malipiro apamwezi amawononga ndalama zochepa poyerekeza ndi mapulani a Medigap F ndi G, omwe amafotokozeranso chimodzimodzi
• chimakwirira kwathunthu Medicare Part A deductible
• imapereka 80% ya ndalama zanu ngati mungafune chithandizo chamankhwala mukamayenda kunja kwa United States

Zoyipa za Medigap Plan N

• ma $ 20 kwa dokotala ndi $ 50 kuchipinda chodzidzimutsa
• sichikutenga gawo lanu la Medicare Part B deductible, ngakhale palibe malingaliro atsopano a Medigap
• mwina mukuyenera kulipira "zolipira" ngati wothandizira zaumoyo wanu akulipiritsa ndalama zambiri kuposa zomwe Medicare amalipira

Kodi ndine woyenera ku Medigap Plan N?

Ngati mwalembetsa ku Medicare magawo A ndi B, mukuyenera kugula Plan N ngati ikupezeka m'boma lanu. Monga momwe zilili ndi mapulani onse a Medigap, muyenera kukwaniritsa miyezo yakulembetsa ndi masiku omalizira.

Mutha kulembetsa dongosolo lililonse la Medicare, kuphatikiza Plan N, panthawi yoyamba kulembetsa mukakwanitsa zaka 65. Ngati mugula Medigap nthawi imeneyo, omwe amakupatsani inshuwaransi sangakane kukugulitsani mfundo malinga ndi mbiri yanu yazachipatala.

Mwachidziwitso, mutha kugula dongosolo lowonjezera la Medicare nthawi iliyonse. Nthawi yanu yolembetsa itadutsa, pamakhala mwayi kuti wopereka inshuwaransi alephera kukugulitsani Plan N.

Palibe chindapusa kapena chindapusa chilichonse kuchokera ku boma logwirizana ndi mapulani owonjezera a Medicare. Komabe, ngati dokotala wanu satenga gawo la Medicare, mutha kukhala ndi udindo wolipiritsa ndalama zomwe Medicare ikadalipira, ngakhale mutakhala ndi malingaliro a Medigap.

Plan N sichimalipira Medicare Part D (mankhwala akuchipatala).

Mwalamulo, simungagule dongosolo la Medigap ngati muli ndi Medicare Advantage. Komabe, mchaka choyamba kulembetsa ku Medicare Advantage, mutha kusintha kuchokera ku Medicare Advantage kupita ku Medicare yoyambirira ndi dongosolo la Medigap.

Kodi Medicare Supplement Plan N imawononga ndalama zingati?

Pali malipiro amwezi pamwezi pazinthu zowonjezera za Medicare. Ndalama zanu za Plan N zimatha kusiyanasiyana kutengera komwe mumakhala komanso kampani ya inshuwaransi yomwe mukugula.

Kuti mupeze ndalama zomwe mungalipire Plan N mdera lanu, mutha kupita kuzida zopezera mapulani a Medicare ndikulowetsa ZIP code yanu.

Kusankha dongosolo la Medigap kungakhale kovuta chifukwa nthawi zonse simungathe kuyembekezera momwe ndalama zanu zidzakhalire mtsogolo. Ganizirani mafunso otsatirawa mukamayang'ana mapulani owonjezera a Medicare:

• Kodi mumamenya kapena kupitilira gawo lanu la Medicare Part A pachaka? Mtengo wathunthu wa chaka chamapulamu a Plan N ukhoza kukhala wocheperako kuposa womwe mumalandila.
• Ngati muphatikiza ndalama monga ma copays, maulendo opita kuchipatala, ndi kuthiridwa magazi, mumawononga ndalama zingati pachaka? Ngati mugawa nambala imeneyo ndi 12 ndipo ndi yochulukirapo kuposa ndalama zoyambira mwezi uliwonse za Plan N, dongosolo lowonjezeralo lingakusungireni ndalama.
• Kodi muli mu Medicare nthawi yolembetsa yomwe imachitika mukakwanitsa zaka 65? Kulembetsa dongosolo la Medigap panthawi yolembetsa poyera kungakhale mwayi wanu wokha wogula kufotokozera kwa Medigap pomwe thanzi lanu komanso mbiri yazachipatala sizingagwiritsidwe ntchito kukana pempho lanu.

Kutenga

Medicare Supplement Plan N ndi dongosolo lodziwika bwino la Medigap lomwe limakwaniritsa zambiri zomwe mumalipira m'thumba kuchokera ku Medicare.

Monga dongosolo lililonse la Medicare supplement, Medigap Plan N ili ndi zabwino komanso zoyipa, ndipo ndalama zimasiyanasiyana kutengera komwe mumakhala.

Ngati muli ndi mafunso pazomwe mungasankhe kapena mukufuna kudziwa zambiri, mutha kuyimbira foni yaulere ya Medicare ku 800-MEDICARE (633-4227) kapena mulumikizane ndi ofesi yanu ya SHIP.

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.