Kodi Plan Supplement Supplement Plan F Ikuyerekeza Ndi Plan G?

Zamkati

• Kodi Medicare supplement inshuwaransi (Medigap) ndi chiyani?
• Kodi Medicare Supplement Plan F ndi chiyani?
• Kodi ndine woyenera kulembetsa mu Medicare Supplement Plan F?
• Ndani angalembetse mu Plan F?
• Kodi Medicare Supplement Plan G ndi chiyani?
• Kodi ndine woyenera kulembetsa mu Medicare Supplement Plan G?
• Kodi F ingafanane bwanji ndi Plan G?
• Kodi Plan F ndi Plan G zimawononga ndalama zingati?
• Kutenga

Medigap, kapena Medicare inshuwaransi yowonjezerapo, itha kuthandiza kulipira zinthu zomwe Medicare yoyambayo siyichita. Medigap ili ndi mapulani osiyanasiyana omwe mungasankhe, kuphatikiza Plan F ndi Plan G.

"Mapulani" a Medigap ndi osiyana ndi "mbali" za Medicare, zomwe ndi mbali zosiyanasiyana za kufalitsa kwanu kwa Medicare ndipo zingaphatikizepo izi:

• Medicare Part A (inshuwaransi ya chipatala)
• Medicare Part B (inshuwaransi ya zamankhwala)
• Medicare Gawo C (Medicare Advantage)
• Medicare Part D (Kuphunzira mankhwala osokoneza bongo)

Ndiye, kodi Medigap Plan F ndi Plan G ndi chiyani? Ndipo amalumikizana bwanji? Pitirizani kuwerenga pamene tikulowera mozama mafunso awa.

Kodi Medicare supplement inshuwaransi (Medigap) ndi chiyani?

Medigap amatchedwanso Medicare othandizira inshuwaransi. Itha kugwiritsidwa ntchito kuthandizira kulipirira ndalama zothandizira zomwe sizinakhudzidwe ndi Medicare yoyambirira (magawo A ndi B).

Medigap ili ndi mapulani 10 osiyanasiyana, omwe amalembedwa ndi kalata: A, B, C, D, F, G, K, L, M, ndi N. Ndondomeko iliyonse imaphatikizira zopindulitsa, mosasamala kanthu kampani amagulitsa dongosolo.

Komabe, mtengo wa mapulani onsewa ungadalire pazinthu zambiri kuphatikiza komwe mumakhala komanso mtengo womwe kampani yonse ya inshuwaransi imakhazikitsa.

Kodi Medicare Supplement Plan F ndi chiyani?

Medigap Plan F imawerengedwa kuti ndi imodzi mwamapulani a Medigap. Monga mapulani ena a Medigap, mudzakhala ndi ndalama zoyendetsera mwezi uliwonse pa Plan F. Ndalamazi zimadalira mfundo zomwe mwagula.

Mapulani ambiri a Medigap alibe deductible. Komabe, kuphatikiza pa Dongosolo F labwinobwino, inunso muli ndi mwayi wogula mfundo zotsika mtengo kwambiri. Ndalama zoyendetsedwa ndi mapulaniwa ndizotsika, koma muyenera kukumana ndi chotsitsa chiphaso chisanayambe.

Ngati mukuyenera kugula Plan F, mutha kugula mfundo pogwiritsa ntchito chida chofufuzira cha Medicare. Izi zimakuthandizani kuyerekezera malingaliro osiyanasiyana omwe amaperekedwa mdera lanu.

Mapulani a Medigap F amatenga 100% ya zotsatirazi:

• Gawo A deductible
• Gawo A ndalama za chitsimikizo ndi zolipiritsa
• Gawo B deductible
• Gawo B chitsimikizo ndi kukopera
• Gawo B loyamba
• Chiwongola dzanja cha Part B
• magazi (mapiritsi atatu oyamba)
• 80% ya chisamaliro chadzidzidzi mukamapita kudziko lina

Kodi ndine woyenera kulembetsa mu Medicare Supplement Plan F?

Malamulo olembetsa a Plan F asintha mu 2020. Kuyambira pa Januware 1, 2020, mapulani a Medigap salinso ololedwa kubweza mtengo wa Medicare Part B.

Mukadalembetsa ku Medigap Plan F isanafike 2020, mutha kusunga mapulani anu ndi mapindu anu adzalemekezedwa. Komabe, atsopano ku Medicare sakuyenera kulembetsa mu Plan F.

Ndani angalembetse mu Plan F?

Malamulo atsopano olembetsa mu Plan F ndi awa:

• Plan F sichipezeka kwa aliyense amene akuyenera kulandira Medicare pa Januware 1 kapena 2020.
• Anthu omwe adaphimbidwa kale ndi Plan F isanafike 2020 amatha kusunga mapulani awo.
• Aliyense amene anali woyenera Medicare asanafike Januware, 1, 2020 koma analibe Plan F akadagulabe, ngati alipo.

Kodi Medicare Supplement Plan G ndi chiyani?

Zofanana ndi Plan F, Medigap Plan G imafotokoza mitundu yosiyanasiyana yamitengo; komabe, izo satero kuphimba gawo lanu la Medicare Part B deductible.

Muli ndi chindapusa pamwezi ndi Plan G, ndipo zomwe mumalipira zimasiyana malinga ndi mfundo zomwe mwasankha. Mutha kuyerekezera ndondomeko za Plan G mdera lanu pogwiritsa ntchito chida chofufuzira cha Medicare.

Palinso njira yodula kwambiri ya Plan G. Apanso, mapulani odula kwambiri amakhala ndi ndalama zochepa, koma muyenera kulipira ndalama zochotsedwazo musanapereke ndalama zanu.

Mapulani a Medigap G amalipira 100% ya ndalama zomwe zili pansipa:

• Gawo A deductible
• Gawo A chitsimikizo ndi kukopera
• magazi (mapiritsi atatu oyamba)
• Gawo B chitsimikizo ndi kukopera
• Chiwongola dzanja cha Part B
• 80% ya chisamaliro chadzidzidzi mukamapita kudziko lina

Kodi ndine woyenera kulembetsa mu Medicare Supplement Plan G?

Popeza Plan G siyikuphimba za Medicare Part B deductible, aliyense amene adalembetsa ku Medicare yoyambirira amatha kuigula. Kuti mulembetse mu Plan G, muyenera kukhala ndi Medicare yoyambirira (gawo A ndi B).

Mutha kugula mfundo zowonjezera za Medicare panthawi yakulembetsa kwanu ku Medigap. Iyi ndi nthawi ya miyezi 6 yomwe imayamba mwezi womwe mumakwanitsa zaka 65 ndipo mwalembetsa ku Medicare Part B.

Anthu ena ali ndi mwayi wopeza Medicare asanakwanitse zaka 65. Komabe, malamulo aboma safuna kuti makampani azigulitsa malingaliro a Medigap kwa anthu ochepera zaka 65.

Ngati simunakwanitse zaka 65, mwina simungathe kugula malingaliro a Medigap omwe mukufuna. Nthawi zina, mwina simungathe kugula imodzi. Komabe, mayiko ena amapereka Medicare SELECT, yomwe ndi njira ina ya Medigap yomwe imapezeka kwa anthu ochepera zaka 65.

Kodi F ingafanane bwanji ndi Plan G?

Nanga mapulaniwa amafanana bwanji? Zonsezi, ndizofanana kwambiri.

Zolinga zonsezi zimapereka kufotokozera kofananako. Kusiyanitsa kwakukulu ndikuti Plan F imafotokoza za Medicare Part B deductible pomwe Plan G satero.

Mapulani onsewa ali ndi mwayi wotsika kwambiri. Mu 2021, deductible iyi idakhazikitsidwa $ 2,370, yomwe imayenera kulipidwa ndalamayi isanayambe kulipira.

Kusiyana kwina kwakukulu pakati pa Plan F ndi Plan G ndi omwe angalembetse. Aliyense amene adalembetsa ku Medicare yoyambirira atha kulembetsa ku Plan G. Izi sizowona ku Plan F. Ndi okhawo omwe anali oyenera Medicare isanafike Januware 1, 2020 omwe angalembetse mu Plan F.

Onani matebulo omwe ali pansipa kuti muone kuyerekezera kwa Plan F vs. Plan G.

Kodi Plan F ndi Plan G zimawononga ndalama zingati?

Muyenera kulipira pamwezi pamwezi pa dongosolo lanu la Medigap. Izi ndizophatikiza pamalipiro amwezi omwe mumalipira Medicare Part B ngati muli ndi Plan G.

Ndalama zomwe mumalandira pamwezi zimadalira mfundo zanu, omwe amakupatsani mapulani, ndi komwe mumapezeka. Yerekezerani mitengo yamalamulo a Medigap mdera lanu musanasankhe chimodzi.

Pansipa pali kuyerekezera pamutu ndi mutu Medigap Plan F ndi Plan G m'mizinda inayi yazitsanzo ku United States.

Sikuti dera lililonse limapereka njira zotsika mtengo, koma ambiri amatero.

Kutenga

Medigap ndi inshuwaransi yowonjezera yomwe imathandizira kulipira ndalama zomwe sizikulipiridwa ndi Medicare yoyambirira. Mapulani a Medigap F ndi Plan G ndi awiri mwamapulani 10 osiyanasiyana a Medigap omwe mungasankhe.

Dongosolo F ndi dongosolo G ndizofanana kwambiri. Komabe, ngakhale Plan G ikupezeka kwa aliyense watsopano ku Medicare, ndondomeko za F F sizingagulidwe ndi omwe atsopanowa ku Medicare pambuyo pa Januware 1, 2020.

Mapulani onse a Medigap amakhala okhazikika, chifukwa chake mumatsimikizika kuti mulandila mfundo zomwezi posasamala za kampani yomwe mumagula kapena komwe mumakhala. Komabe, ndalama zomwe mumalandira mwezi uliwonse zimasiyana, choncho yerekezerani mfundo zingapo musanagule.

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.