Medicare Part G: Zomwe Zimaphimba ndi Zambiri

Zamkati

• Malipiro owonjezera a Medicare Part B
• Kodi Medicare Supplement Plan G imaphimba chiyani?
• Kumvetsetsa Medigap
• Kusankha dongosolo la Medigap
• Medigap ku Massachusetts, Minnesota, ndi Wisconsin
• Kodi ufulu wotsimikizika ndi uti?
• Tengera kwina

Medicare Supplement Plan G imafotokoza gawo lanu la zamankhwala (kupatula zochotseredwa kunja) zomwe zimayikidwa ndi Medicare yoyambirira. Amatchedwanso Medigap Plan G.

Medicare yoyamba imaphatikizapo Medicare Part A (inshuwaransi ya chipatala) ndi Medicare Part B (inshuwaransi ya zamankhwala).

Medigap Plan G ndi imodzi mwazinthu 10 zodziwika bwino kwambiri chifukwa chofotokoza bwino, kuphatikiza kufalitsa kwa gawo B zolipirira.

Pitilizani kuwerenga kuti mudziwe zambiri za Medicare Part G ndi zomwe zimafotokoza.

Malipiro owonjezera a Medicare Part B

Medicare Part B imangotenga othandizira azaumoyo omwe amachita nawo Medicare. Ngati mungasankhe wothandizira yemwe satenga nawo mbali ku Medicare, wothandizirayo akhoza kulipiritsa mpaka 15% kuposa muyeso wa Medicare.

Ndalama zowonjezerazi zimawerengedwa kuti ndi gawo la B lowonjezera. Ngati dongosolo lanu la Medigap silikulipira gawo B loonjezera, mudzalipira m'thumba.

Kodi Medicare Supplement Plan G imaphimba chiyani?

Mukamaliza kulipira ndalama zanu, malamulo ambiri a Medigap amatenga ndalama zowonjezera. Malamulo ena a Medigap amalipiranso ndalama zochotsedwazo.

Kuphunzira ndi Medicare Supplement Plan G kumaphatikizapo:

• Gawo A chitsimikizo cha ndalama komanso kuchipatala pambuyo pothandizidwa ndi Medicare (mpaka masiku ena 365): 100%
• Gawo A deductible: 100%
• Gawo A chisamaliro cha okalamba kapena chindapusa: 100%
• Gawo B chitsimikizo kapena chindapusa: 100%
• Gawo B deductible: losaphimbidwa
• Chiwongola dzanja cha Part B: 100%
• malo osamalira okalamba osamalidwa: 100%
• magazi (mapiritsi atatu oyamba): 100%
• kusinthana kwakunja: 80 peresenti
• Malire akuthumba: sizigwira ntchito

Kumvetsetsa Medigap

Ndondomeko za Medigap, monga Medicare Supplement Plan G, zimathandizira kubweza ndalama zandalama zomwe sizinaperekedwe ndi Medicare yoyambirira. Ndondomekozi ndi izi:

• wogulitsidwa ndi makampani a inshuwaransi achinsinsi
• kukhazikika ndikutsatira malamulo aboma ndi maboma
• wodziwika m'maiko ambiri ndi kalata yomweyo, pamenepa, "G"

Ndondomeko ya Medigap ndiyamunthu m'modzi yekha. Inu ndi mnzanu aliyense muyenera mfundo payekha.

Ngati mukufuna mfundo za Medigap, inu:

• ayenera kukhala ndi Medicare Part A ndi Part B yoyambirira
• sangakhale ndi dongosolo la Medicare Advantage
• amalandira ndalama pamwezi (kuwonjezera pamalipiro anu a Medicare)

Kusankha dongosolo la Medigap

Njira imodzi yopezera inshuwaransi yothandizirana ndi Medicare yomwe ikugwirizana ndi zosowa zanu ndi kudzera mu "Pezani ndondomeko ya Medigap yomwe imakuthandizani" kugwiritsa ntchito intaneti. Zida zosakira pa intaneti izi zimakhazikitsidwa ndi U.S. Centers for Medicare & Medicaid Services (CMS).

Medigap ku Massachusetts, Minnesota, ndi Wisconsin

Ngati mumakhala ku Massachusetts, Minnesota, kapena Wisconsin, malingaliro a Medigap amakhala ofanana mosiyana ndi mayiko ena. Ndondomekoyi ndi yosiyana, koma mwatsimikizira ufulu wakugula malingaliro a Medigap.

• Ku Massachusetts, mapulani a Medigap ali ndi pulani ya Core ndi Supplement 1 Plan.
• Ku Minnesota, mapulani a Medigap ali ndi mapulani a Basic and Extended Basic.
• Ku Wisconsin, mapulani a Medigap ali ndi pulani yayikulu ndipo 50% ndi 25% mapulani ogawana Mtengo.

Kuti mumve zambiri, mutha kugwiritsa ntchito "Pezani ndondomeko ya Medigap yomwe imakugwirirani ntchito" chida chofufuzira kapena kuyimbira dipatimenti ya inshuwaransi ya boma.

Kodi ufulu wotsimikizika ndi uti?

Ufulu wotsimikizika (womwe umatchedwanso Medigap protection) umafuna kuti makampani a inshuwaransi akugulitseni lamulo la Medigap lomwe:

• imakhudza zaumoyo womwe ulipo kale
• satenga ndalama zambiri chifukwa cha thanzi lakale kapena lakale

Ufulu wotsimikizika wa nkhani nthawi zambiri umayamba kugwira ntchito zosintha zaumoyo wanu, monga ngati mwalembetsa ku Medicare Advantage Plan ndipo zimasiya kupereka chisamaliro mdera lanu, kapena ngati mutapuma pantchito ndikulandila chithandizo cha ogwira ntchito anu kutha.

Pitani patsamba lino kuti mumve zambiri za ufulu wotsimikizika wazinthu.

Tengera kwina

Medicare Supplement Plan G ndi mfundo ya Medigap yomwe imathandizira kulipira ndalama zothandizidwa ndi Medicare zoyambirira. Ndi imodzi mwamapulogalamu a Medigap omveka bwino, kuphatikiza kufotokozedwa kwamilandu yochulukirapo ya Medicare Part B.

Ndondomeko za Medigap ndizofanana mosiyanasiyana ku Massachusetts, Minnesota, ndi Wisconsin. Ngati mukukhala m'modzi mwa mayiko amenewa, muyenera kuwunikiranso zopereka zawo za Medigap kuti mupeze mfundo zofananira ndi Medicare Supplement Plan G.

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.