Kodi Mapulani a Medigap Amawononga Ndalama Zingati mu 2021?

Zamkati

• Kodi Medigap ndi chiyani?
• Kodi mapulani a Medigap amawononga ndalama zingati?
• Malipiro apamwezi
• Zodulidwa
• Coinsurance ndi ma copays
• Malire akuthumba
• Ndalama zotuluka m'thumba
• Ndondomeko ya Medigap kuyerekezera mtengo
• Kodi ndine woyenera ku Medigap?
• Madeti ofunikira kulembetsa ku Medigap
• Nthawi yolembetsa koyambirira kwa Medigap
• Nthawi zina zolembetsa ku Medicare
• Kutenga

• Medigap imathandizira kulipira zina mwazithandizo zazaumoyo zomwe sizinapezeke ndi Medicare yoyambirira.
• Ndalama zomwe mudzalipira ku Medigap zimadalira dongosolo lomwe mwasankha, malo omwe muli, ndi zinthu zina zochepa.
• Medigap nthawi zambiri imakhala ndi ndalama zoyambira pamwezi, ndipo mumafunikanso kulipira ma copay, ma coinsurance, ndi ma deductibles.

Medicare ndi pulogalamu ya inshuwaransi yazaumoyo yoperekedwa ndi boma la anthu azaka 65 kapena kupitilira apo, komanso magulu ena. Akuyerekeza kuti Medicare yoyambirira (gawo A ndi B) imakhudza ndalama zomwe munthu amawonongera kuchipatala.

Inshuwaransi yothandizira ya Medicare (Medigap) imathandizira kulipira ndalama zina zazaumoyo zomwe sizinakhudzidwe ndi Medicare yoyambirira. Pafupifupi anthu omwe ali ndi Medicare yoyambirira amakhalanso ndi dongosolo la Medigap.

Mtengo wa mapulani a Medigap umatha kusiyanasiyana chifukwa cha zinthu zingapo, kuphatikiza mtundu wamapulani omwe mumalembetsa, komwe mumakhala, ndi kampani yomwe ikugulitsa pulaniyo.

Pansipa, tiwunika zambiri za mtengo wamapulani a Medigap mu 2021.

Kodi Medigap ndi chiyani?

Medigap ndi inshuwaransi yowonjezera yomwe mungagule kuti muthandizire kulipira zinthu zomwe sizinapezeke ndi Medicare Part A ndi Medicare Part B. Zitsanzo zina za zolipira zomwe Medigap akhoza kulipira ndi monga:

• deductibles yamagawo A ndi B
• coinsurance kapena copays kwa magawo A ndi B
• ndalama zochulukirapo za Gawo B
• ndalama zothandizira zaumoyo paulendo wakunja
• magazi (mapiritsi atatu oyamba)

Zinthu zomwe zakutidwa zimadalira dongosolo la Medigap lomwe mumagula. Pali mitundu 10 yosiyanasiyana yamaphunziro a Medigap, omwe amadziwika ndi chilembo: A, B, C, D, F, G, K, L, M, ndi N. Ndondomeko iliyonse ili ndi gawo losiyana.

Makampani a inshuwaransi apadera amagulitsa malingaliro a Medigap. Ndondomeko iliyonse ndiyokhazikika, kutanthauza kuti iyenera kupereka gawo limodzi lofananira. Mwachitsanzo, ndondomeko ya Plan G imakhudza zopindulitsa zomwezi, mosasamala mtengo wake kapena kampani yomwe ikugulitsa.

Ndondomeko za Medigap ndizotsimikizika kuti zimapitsidwanso bola mukalipira ndalama zomwe mumalandira mwezi uliwonse. Izi zikutanthauza kuti kampani ya inshuwaransi yomwe mudagula dongosolo lanu silingaletse mapulani anu, ngakhale mutakhala ndi thanzi latsopano.

Kodi mapulani a Medigap amawononga ndalama zingati?

Ndiye ndindalama ziti zomwe zimakhudzana ndi mapulani a Medigap? Tiyeni tiwone mtengo womwe ungakhalepo mwatsatanetsatane.

Malipiro apamwezi

Ndondomeko iliyonse ya Medigap imakhala ndi chindapusa pamwezi. Kuchuluka kwake kumatha kusiyanasiyana malinga ndi mfundo zake. Makampani a inshuwaransi amatha kukhazikitsa ndalama zawo pamwezi m'njira zitatu:

• Anthu adavotera. Aliyense amene akugula lamuloli amalipira malipiro omwewo mwezi uliwonse mosasamala zaka zake.
• Zaka zakubadwa zidavotera. Misonkho yamwezi uliwonse imalumikizidwa ndi zaka zomwe mudagula koyamba mfundo, pomwe ogula achichepere amakhala ndi ndalama zochepa. Ndalama zoyambirira sizikukula mukamakula.
• Zakwaniritsidwa zaka. Misonkho yamwezi uliwonse imalumikizidwa ndi msinkhu wanu wapano. Izi zikutanthauza kuti ndalama zanu zidzakwera mukamakula.

Ngati mungafune kulembetsa mu dongosolo la Medigap, ndikofunikira kufananiza mfundo zingapo zomwe zimaperekedwa mdera lanu. Izi zitha kukuthandizani kudziwa momwe ndalama zimakhalira komanso momwe mungayembekezere kulipira pamwezi.

Malipiro a mwezi ndi mwezi a Medigap amalipidwa kuphatikiza pazowonjezera zina mwezi uliwonse zokhudzana ndi Medicare. Izi zitha kuphatikizira ndalama zoyambira:

• Medicare Part A (inshuwaransi ya chipatala), ngati kuli kotheka
• Medicare Part B (inshuwaransi ya zamankhwala)
• Medicare Part D (Kuphunzira mankhwala osokoneza bongo)

Zodulidwa

Medigap yokha siili yogwirizana ndi deductible. Komabe, ngati dongosolo lanu la Medigap silikuphimba Gawo A kapena Gawo B deductible, mudakali ndi udindo wolipira iwo.

Mapulani a Medigap F ndi Plan G ali ndi mwayi wotsika kwambiri. Misonkho yapamwezi yamapulaniwa nthawi zambiri imakhala yotsika, koma muyenera kukumana ndi chotsitsa asanayambe kulipira ndalama. Kwa 2021, deductible ndi $ 2,370 pazinthu izi.

Coinsurance ndi ma copays

Monga deductibles, Medigap palokha sichikugwirizana ndi ndalama za ndalama kapena ma copays. Muyenerabe kuti mulipire ndalama zothandizira ndalama kapena ma copay okhudzana ndi Medicare yoyambirira ngati malingaliro anu a Medigap sawaphimba.

Malire akuthumba

Mapulani a Medigap K ndi Plan L alibe malire. Izi ndizochuluka kwambiri zomwe muyenera kulipira muthumba.

Mu 2021, malire a Plan K ndi Plan L kunja kwa thumba ndi $ 6,220 ndi $ 3,110, motsatana. Mukakumana ndi malire, dongosololi limalipira 100% yazantchito zopumira chaka chonse.

Ndalama zotuluka m'thumba

Pali ntchito zina zokhudzana ndi thanzi zomwe sizinakhudzidwe ndi Medigap. Ngati mukufuna kugwiritsa ntchito mautumikiwa, muyenera kulipira iwo kuchokera mthumba. Izi zingaphatikizepo:

• mano
• masomphenya, kuphatikizapo magalasi amaso
• zothandizira kumva
• Kuphunzira mankhwala osokoneza bongo
• chisamaliro cha nthawi yayitali
• chisamaliro chachinsinsi

Ndondomeko ya Medigap kuyerekezera mtengo

Tebulo lotsatirali likuwonetsa kuyerekezera mtengo kwa zolipirira pamwezi pamadongosolo osiyanasiyana a Medigap m'mizinda inayi yoyeserera ku United States.

Mitengo yomwe yawonetsedwa pamwambapa ikuchokera kwa bambo wazaka 65 yemwe sagwiritsa ntchito fodya. Kuti mupeze mitengo yokhudzana ndi vuto lanu, lowetsani ZIP code yanu mu chida chopezera mapulani a Medicare's Medigap.

Kodi ndine woyenera ku Medigap?

Pali malamulo ena okhudzana ndi kugula mfundo za Medigap. Izi zikuphatikiza:

• Muyenera kukhala ndi Medicare yoyambirira (gawo A ndi B). Inu sangathe khalani ndi Medigap ndi Medicare Advantage.
• Dongosolo la Medigap limangokhudza munthu m'modzi. Izi zikutanthauza kuti okwatirana adzafunika kugula malingaliro osiyana.
• Mwalamulo la feduro, makampani a inshuwaransi sakukakamizidwa kuti azigulitsa malingaliro a Medigap kwa anthu ochepera zaka 65. Ngati muli ndi zaka zosakwana 65 ndipo muli ndi Medicare yoyambirira, mwina simungathe kugula mfundo zomwe mukufuna.

Kuphatikiza apo, malingaliro ena a Medigap sakupezekanso kwa iwo omwe ndi atsopano ku Medicare. Komabe, anthu omwe adalembetsa kale mapulaniwa amatha kuwasunga. Mapulani awa ndi awa:

• Dongosolo C
• Konzani E
• Dongosolo F
• Konzani H
• Konzani I
• Konzani J

Madeti ofunikira kulembetsa ku Medigap

Pansipa pali masiku ofunikira olembetsa mu dongosolo la Medigap.

Nthawi yolembetsa koyambirira kwa Medigap

Nthawi imeneyi imayamba ndi miyezi isanu ndi umodzi yomwe imayamba mukakwanitsa zaka 65 ndipo mwalembetsa ku Medicare Part B. Ngati mungalembetse pambuyo pa nthawi ino, makampani a inshuwaransi akhoza kukulitsa ndalama zomwe amalandira mwezi uliwonse chifukwa cholemba zamankhwala.

Kulemba zamankhwala ndi njira yomwe makampani a inshuwaransi amagwiritsidwa ntchito popanga zisankho zokhudzana ndi kufalitsa kutengera mbiri yanu yazachipatala. Kulemba zamankhwala sikuloledwa panthawi yolembetsa ku Medigap koyambirira.

Nthawi zina zolembetsa ku Medicare

Mutha kugulabe dongosolo la Medigap kunja kwa nthawi yoyamba kulembetsa. Nayi nthawi zina zomwe mungalembetse dongosolo la Medigap chaka chonse:

• Kulembetsa wamba (Januware 1 – Marichi 31). Mutha kusintha njira imodzi ya Medicare Advantage kupita ku ina, kapena mutha kusiya dongosolo la Medicare Advantage, kubwerera ku Medicare yoyambirira, ndikupempha dongosolo la Medigap.
• Kulembetsa kutsegula pa Okutobala 15 – Disembala 7). Mutha kulembetsa mu dongosolo lililonse la Medicare, kuphatikiza dongosolo la Medigap, panthawiyi.

Kutenga

Medigap ndi mtundu wa inshuwaransi yowonjezera yomwe mungagule kuti muthandizire kulipira ndalama zokhudzana ndi thanzi zomwe sizilipidwa ndi Medicare yoyambirira. Pali mitundu 10 yosiyanasiyana ya dongosolo la Medigap.

Mtengo wa dongosolo la Medigap umadalira dongosolo lomwe mungasankhe, komwe mumakhala, ndi kampani yomwe mumagula mfundo zanu. Mulipira ndalama pamwezi pamwezi pa pulani yanu ndipo mukhozanso kukhala ndiudindo pazotsitsidwa, kutsimikiziridwa ndalama, ndi ma copay.

Mutha kulembetsa mu dongosolo la Medigap nthawi yoyamba kulembetsa ku Medigap. Apa ndi pamene mumakwanitsa zaka 65 ndikulembetsa mu Medicare Part B. Ngati simulembetsa panthawiyi, mwina simungathe kulembetsa nawo pulani yomwe mukufuna kapena itha kutenga ndalama zambiri.

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.