Ndondomeko ya Medicare Supplement K Mwachidule

Zamkati

• Kodi Medicare Supplement Plan K imakhudza chiyani?
• Ubwino wake ndikuti malire akutulutsidwa chaka ndi chaka ndi ati?
• Kodi pali mapulani ena aliwonse a Medigap omwe amakhala ndi malire kuthumba chaka chilichonse?
• Kodi Medigap ndi chiyani?
• Kutenga

Medicare supplemental inshuwaransi, kapena Medigap, imathandizira kulipirira zina mwa zolipirira zomwe nthawi zambiri zimatsalira kuchokera ku Medicare magawo A ndi B.

Medicare Supplement Plan K ndi imodzi mwamapulogalamu awiri owonjezera a Medicare omwe amapereka malire apachaka.

Pitirizani kuwerenga kuti mudziwe zambiri za dongosololi, zomwe limafotokoza, komanso omwe angapindule nalo.

Kodi Medicare Supplement Plan K imakhudza chiyani?

Malamulo ambiri a Medigap amalipira ndalama zothandizira ndalama mutatha kulipira chaka chilichonse. Ena amalipiranso deductible.

Dongosolo lowonjezera la Medicare Supplement K limaphatikizapo:

• Kuphunzira 100% kwa Gawo A ndalama zothandizira ndalama ndi chipatala mpaka masiku ena 365 kuchokera pamene maubwino a Medicare agwiritsidwa ntchito
• Kufikira kwa 50% kwa:
  • Gawo A deductible
  • Gawo A chisamaliro cha okalamba kapena chindapusa
  • magazi (mapiritsi atatu oyamba)
  • aluso oyang'anira chisamaliro cha inshuwaransi
  • Gawo B chitsimikizo kapena zolipira
• Osaphatikizidwe pazofalitsa:
  • Gawo B deductible
  • Chiwongola dzanja cha Part B
  • ndalama zakunja zakunja

Malire akunja kwa thumba mu 2021 ndi $ 6,220. Mukakumana ndi gawo B lochotseredwa chaka chilichonse komanso malire anu akunja mthumba, 100% yazithandizo zantchito chaka chonse zimaperekedwa ndi Medigap.

Ubwino wake ndikuti malire akutulutsidwa chaka ndi chaka ndi ati?

Palibe kapu pazamalipiro anu apachaka azachipatala ndi Medicare yoyambirira. Anthu omwe amagula dongosolo la Medigap amachita izi kuti achepetse ndalama zomwe amagwiritsidwa ntchito pazachipatala pakatha chaka.

Izi zitha kukhala zofunikira kwa anthu omwe:

• kukhala ndi thanzi labwino komanso mtengo wokwera kuchipatala
• ndikufuna kukhala okonzeka pakagwa mwadzidzidzi mtengo wamankhwala mosayembekezereka

Kodi pali mapulani ena aliwonse a Medigap omwe amakhala ndi malire kuthumba chaka chilichonse?

Medicare Supplement Plan K ndi Plan L ndi mapulani awiri a Medigap omwe amaphatikizapo malire akutuluka chaka chilichonse.

• Konzani K kunja kwa mthumba: $ 6,220 mu 2021
• Konzani L kunja kwa thumba: $ 3,110 mu 2021

Pazinthu zonse ziwiri, mukakumana ndi gawo B lochotseredwa pachaka komanso malire anu akunja mthumba, 100% yazithandizo zantchito chaka chonse zimaperekedwa ndi dongosolo lanu la Medicare.

Kodi Medigap ndi chiyani?

Nthawi zina amatchedwa Medicare supplemental inshuwaransi, mfundo za Medigap zimathandizira kubweza ndalama zothandizira zomwe Medicare zoyambirira sizikuphimba. Pa dongosolo la Medigap, muyenera:

• muli ndi Medicare yoyambirira, yomwe ndi Medicare Part A (inshuwaransi ya chipatala) ndi Medicare Part B (inshuwaransi yamankhwala)
• khalani ndi ndondomeko yanu ya Medigap (munthu m'modzi payekha)
• perekani zolipira pamwezi kuphatikiza pamalipiro anu a Medicare

Ndondomeko za Medigap zimagulitsidwa ndi makampani azinsinsi za inshuwaransi. Ndondomekozi ndizokhazikitsidwa ndikutsatira malamulo aboma ndi maboma.

M'maboma ambiri, amadziwika ndi kalata yomweyo, chifukwa chake Medicare Supplement Plan K izikhala chimodzimodzi m'dziko lonselo, kupatula m'maiko otsatirawa:

• Massachusetts
• Minnesota
• Wisconsin

Mutha kugula mfundo za Medigap ngati muli ndi Medicare yoyambirira. Medigap ndi Medicare Ubwino sangathe kugwiritsidwa ntchito limodzi.

Kutenga

Medicare Supplement Plan K ndi mfundo ya Medigap yomwe imathandizira kulipira ndalama zothandizira kuchipatala kuchokera ku Medicare yoyambirira. Ndi imodzi mwamapulani awiri omwe amapereka malire apachaka otuluka m'thumba.

Malire apachaka otuluka m'thumba atha kukhala opindulitsa ngati:

• kukhala ndi thanzi labwino komanso mtengo wokwera kuchipatala
• akufuna kukhala okonzeka kuthana ndi mavuto azadzidzidzi omwe angachitike mwadzidzidzi

Ngati mukuwona kuti malingaliro a Medigap ndiye chisankho choyenera pazosowa zanu zaumoyo, onetsetsani kuti mwasankha malingaliro anu onse. Pitani ku Medicare.gov kuyerekezera ndondomeko za Medigap kuti mupeze zomwe zili zoyenera kwa inu.

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.