Zonse Zokhudza Medicare Supplement Plan N Coverage

Zamkati

• Zambiri za Medicare Supplement Plan N kufalitsa
• Zomwe sizikuphimbidwa pansi pa Medicare Supplement Plan N?
• Kodi kufalitsa kwa Medigap kumagwira ntchito bwanji?
• Zosankha
• Kukhazikitsa
• Malipiro
• Kuyenerera
• Kuphunzira okwatirana
• Kupeza ndondomeko ya Medigap
• Tengera kwina

Medicare Supplement Plan N idapangidwira anthu omwe ali okonzeka kulipira ndalama zina zapadera komanso ndalama zochepa pachaka kuti azikhala ndi ndalama zochepa (ndalama zomwe mumalipira).

Medigap Supplement Plan N imafotokoza:

• 20% yomwe Medicare Part B satero.
• Chipatala chanu chimachotsedwa.
• Chipatala chanu chimakopera ndikutsimikiziridwa ndalama.
• 80% yamitundu yadzidzidzi yapaulendo.

Pitilizani kuwerenga kuti mudziwe zambiri za Medicare Supplement Plan N - zomwe zimafotokoza komanso zomwe sizichita - ndi momwe mungagulire imodzi.

Zambiri za Medicare Supplement Plan N kufalitsa

Dongosolo lowonjezera la Medicare N limaphatikizapo:

• 100% ya Part A coinsurance ndi chipatala ndalama mpaka masiku ena 365 kuchokera pomwe maubwino a Medicare agwiritsidwa ntchito.
• 100% ya Gawo A limachotsedwa.
• 100% ya Part A chisamaliro cha odwala Insuranceurance kapena copayment.
• 100% ya mapainti atatu oyamba amwazi.
• 100% ya malo osamalira aluso osamalidwa chisamaliro.
• 100% * ya Part B ndalama zothandizira kapena zolipira.
• 80% ya ndalama zakunja zosamukira.

Sichikuphimba:

• Gawo Lanu loperekedwa.
• Gawo Lanu B lowonjezera.

* Ndi Medicare Supplement Plan N, 100% ya Part B ndalama zothandizira zimalipidwa kupatula ndalama zolipiridwa mpaka $ 50 pazipinda zadzidzidzi zomwe sizimapangitsa kuti alandire odwala, komanso ndalama zolipira $ 20 paofesi ina maulendo.

Zomwe sizikuphimbidwa pansi pa Medicare Supplement Plan N?

Medicare Plan N sichikutanthauza:

• Malangizo
• Masomphenya
• Mano
• Kumva

Ngati mukufuna kulandira chithandizo chamankhwala akunja, mutha kugula Medicare Part D.

Ngati mungafune mano, masomphenya, ndi kumva, onani dongosolo la Medicare Advantage Plan. Komabe, chonde dziwani kuti simungakhale ndi dongosolo la Medigap komanso dongosolo la Medicare Advantage.

Kodi kufalitsa kwa Medigap kumagwira ntchito bwanji?

Ndondomeko za Medigap zilipo kuti zithandizire kuthetsa kusiyana pakati pa zomwe Medicare yolipira koyambirira ndi zomwe mumalipira kuchipatala.

Zosankha

Pali mapulani 10 osiyanasiyana a Medigap (A, B, C, D, F, G, K, L, M, N) omwe onse amafotokozedwa mosiyanasiyana ndipo amakhala ndi malipiro osiyanasiyana. Kusankha uku kumakupatsani mwayi wosankha kufalitsa kutengera zosowa zanu ndi bajeti.

Kukhazikitsa

Madongosolo a Medigap amakhazikika mofananamo m'ma 47 mwa ma 50. Ngati mumakhala ku Massachusetts, Minnesota, kapena Wisconsin, malingaliro a Medigap (kuphatikiza Medicare Supplement Plan N kufalitsa) amakhazikika mosiyana.

Malipiro

Mukalandira chithandizo chovomerezeka ndi Medicare:

1. Medicare amalipira gawo lake pazovomerezedwa ndi Medicare.
2. Ndondomeko yanu ya Medigap imalipira gawo lake.
3. Mumalipira gawo lanu (ngati alipo).

Kuyenerera

Kuti muyenerere dongosolo lililonse la Medigap, kuphatikiza Medicare Supplement Plan N, muyenera kukhala ndi Medicare Part A (inshuwaransi ya chipatala) ndi Medicare Part B (inshuwaransi ya zamankhwala).

Kuphunzira okwatirana

Dongosolo lanu la Medigap limangokuphimbirani. Mnzanu, ngati ali woyenera ku Medicare, adzafunika kugula malingaliro osiyana.

Kupeza ndondomeko ya Medigap

Mukakhala ndi Medicare yoyambirira, mutha kugula malingaliro a Medigap kuchokera ku kampani ya inshuwaransi. Kuti asankhe dongosolo linalake ndi kampani ya inshuwaransi, anthu ambiri amafunsana ndi wachibale wokhulupirika, mnzake wokhala ndi mfundo za Medigap, kapena wothandizira inshuwaransi.

Ena atha kulumikizana ndi SHIP ya boma lawo (State Health Insurance Program) kuti awathandize. SHIP yanu iyenera kupereka chithandizo chaulere posankha mfundo komanso chilinganizo cha kuyerekezera kwa Medigap.

Dziko lanu limakhala ndi kampani yopanga inshuwaransi yoposa imodzi yogulitsa malingaliro a Medigap. Nthawi zambiri, mtengo wolipirira womwewo umasiyana pamakampani ndi kampani.

Tengera kwina

Medicare Supplement Plan N kufotokozera ndi imodzi mwamagawo 10 osankhidwa ndi federally kuti athandize kudzaza "mipata" muntchito zoyambirira za Medicare. Ndizosankha kwa anthu omwe akufuna kufotokozedwa kwakukulu koma, kuti achepetse ndalama zawo, ali okonzeka kulipira ma copay ena ndi kuchotsera pang'ono pachaka.

Monga mapulani onse a Medigap, Medicare Supplement Plan N kufotokozera sikuphatikiza mankhwala akuchipatala. Ngati mukufuna kufotokozera zamankhwala mutha kugula Medicare Part D. Medicare Plan N siyikunikanso mano, masomphenya, kapena kumva.

Ngati mukufuna kufotokoza za mautumikiwa, ganizirani dongosolo la Medicare Advantage. Mutha kukhala ndi pulani ya Medicare Advantage kapena Medigap Plan; simungakhale nazo zonse ziwiri.