Zingaba Okungeziwe Kakhulu Emshwaleni Wezempilo, Kodwa Ngeke Udinge
Umshuwalense we-Supplemental ingumshwalense owengeziwe noma owengeziwe ongayithenga ukukusiza ukhokhe izinsizakalo nezindleko ezingaphandle kwe-inshuwalense yakho engavamile.
Ezinye izinhlelo zomshuwalense ezongezwayo zizokhokhela izindleko zezokwelapha ezingaphandle kwezepolitiki, ezifana nokudonswa kwemali, ukukhokhelwa kwezimali kanye nokuqinisekiswa kwezimali. Amanye amacebo angeziwe angakunika inzuzo yemali ekhokhwa esikhathini esithile noma unikezwe ngesikhwama esisodwa semali.
Imali ingasetshenziswa ukumboza inkokhelo elahlekile, ukuhamba okuhlobene nesimo sakho sempilo, noma ukusetshenziselwa ukukhokhela ukudla, imithi, nezinye izindleko ezingalindelekile ozibangelwe ukugula noma ukulimala.
UDkt Mike Tip: Umshuwalense we-Supplemental wukuthi - isengezo, noma ungeze. Akuyona indawo yomshwalense wezempilo ovamile!
I-Medigap - Umshuwalense we-Medicare Supplemental
Enye yezinhlobo ezivame kakhulu zomshuwalense we-supplemental yi- Medigap , engathengiswa izinkampani zomshuwalense wangasese kubantu ababhalisile ku-Original Medicare (izinhlelo ze-Medigap azikwazi ukuhambisana namahlelo we- Medicare Advantage ).
I- Medicare yasekuqaleni (ehlanganisa Ingxenye A Umshuwalense Wezibhedlela kanye Ingxenye B Umshuwalense Wezokwelapha ) ukhokhela abaningi, kodwa hhayi bonke, izinsizakalo ezihlobene nempilo kanye nemithi yokwelapha. Ungathenga inqubomgomo yomshuwalense we-supplemental ukumboza ezinye noma zonke izindleko ezingaphandle kwe-pocket okungenzeka ukuthi ungene ngaphansi kwe-Original Medicare-okungukuthi, "izikhala," ezibandakanya ukukhokhwa kwemali, ukuqinisekiswa kwemali, nokunciphisa imali.
Lezi zinganezela izindleko eziningi ezingaphandle kwezindleko, ikakhulukazi uma ungene esibhedlela noma udinga usizo lwezindlu oluhlengikazi.
Futhi kubalulekile ukuthi uqaphele ukuthi akukho mkhawulo ongaphezulu wokuthi izindleko zakho ezingaphandle kwe-pocket zingaba ngaphansi kwe-Original Medicare ngaphandle kohlelo lwe-Medigap (ngokungafani nezinhlelo zemithi ye-Medicare Advantage nomshuwalense wangasese wabantu abangaphansi kweminyaka engu-65, onama-caps out- ukukhishwa kwe-pocket ).
Ngokuvamile, i-Medigap ihlela kuphela ukukhipha izindleko ezingaphandle kwamaphakheji ezinsizakalo ezingahlanganiswa yi-Medicare (okungukuthi, azikhokheli izinto uM Medicare azikufihli nhlobo), kodwa izinqubomgomo ezithile ze-Medigap nazo ziyokhokha kwezinye izinsizakalo zezempilo ezingaphandle kwe-United States, okungenjalo okuhlanganiswe yi-Medicare. Uma ubhaliswe ku-Original Medicare (Izingxenye A no-B) futhi unomgomo we-Medigap, u-Medicare wokuqala ubeka isabelo sakhe semali evunyiwe yi-Medicare yezindleko zakho zokunakekelwa kwezempilo. Khona-ke inqubomgomo yakho ye-Medigap ihlawula isabelo sayo sezindleko.
Kukhona izinhlelo zamanje zakwaMedigap ezitholakalayo ezizohlanganisa zonke izindleko ezingaphandle kwezimpahla zeMedare, kodwa lezo zihlelo ngeke zisathengiswa ngo-2020, ngenxa ye-Medicare Access kanye ne-CHIP yokugunyazwa kabusha kwe-2015 (MACRA) . Kusukela ngo-2020, angeke kube khona izinhlelo zeMedigap ezitholakalayo ezithinteka uM Medicare Part B.
Njengamanje, izinhlelo ze-Medigap C no-F zihlanganisa ukufakwa kwe-Part B eyakhishwa. Abantu asebevele benalohlelo lwe-Medicaid njengasekupheleni kuka-2019 bazovunyelwa ukuwagcina, kodwa ababhalisile abasha ngeke bavunyelwe ukuzithenga ngo-2020 noma ngaphezulu. I-Medicare Part B etholakala yi-$ 183 ngo-2018; ngokuvamile kuvame kancane ngonyaka.
Izinhlobo Ezijwayelekile Zomshuwalense Wokungezelela
Ngaphandle kwemigomo ye-Medigap, ezinye izinhlobo ezintathu zomshuwalense wezempilo ezongezwayo zidayiswa kakhulu e-US Lezi zinqubomgomo zokufaka isicelo zingase zitholakale njengenzuzo yokuzithandela evela kumqashi wakho noma ungathenga ngokuqondile inkampani yomshuwalense.
Umshwalense Wokugula Okubalulekile
Umshuwalense wokugula obalulekile (owaziwa nangokuthi umshuwalense oqondene nesifo) kuhloswe ukunciphisa umthwalo wezezimali wesifo esibi, njengomdlavuza. Lezi zinqubomgomo zingase zinikeze inzuzo yemali eyisikweletu ekusizeni ukuthi ukhokhe izindleko ezengeziwe ezihlobene nokugula kwakho kodwa zingabhekiswa ohlelweni lwakho lwezempilo noma ukukhubazeka kokukhubazeka.
Kuye ngenqubomgomo ethize, ukufakwa kungasetshenziswa ukukhokha:
- ama-deductibles
- ochwepheshe be-out-of-network
- ukuhamba nokulala lapho ukwelashwa kukude nomuzi
- ukwelashwa kokuhlola, ngokuvamile okuhlobene nomuthi wokwelapha
- ukunakekelwa kwezingane nokusiza ekhaya
- izindleko ezivamile zokuphila, ezifana nokukhokha imoto yakho, izikweletu zesevisi, kanye nokudla
Izinqubomgomo zokufa eziphuthumayo
Kunezinhlobo ezimbili zezinqubomgomo zengozi, kufaka phakathi i-Accidental Death and Dismemberment Insurance (AD & D) kanye noMshuwalense wezeMpilo. Ngokuvamile zihlangene futhi zithengiswa ndawonye. Izinzuzo zihluka kusuka kumbuso ukuya kuhulumeni ngenxa yemithetho yomshuwalense wendawo.
Inqubomgomo yokufa kanye nokuqothulwa ngengozi kuzokukhokhela inzuzo yemali yokukhokhela imali uma ubizwa ngokuthi umzuzi womuntu oshonile engozini. Lezi zinqubomgomo zingase zikhokhise imali encane uma umuntu engafanga engozini kodwa walahlekelwa isigungu, amehlo, noma aphethwe ukukhubazeka okungapheli. Umshwalense we-AD & D awukhokheli noma yikuphi ukufa okuhlobene nokugula, ukuzibulala, noma izimbangela zemvelo.
Umshuwalense wezokwelapha wengozi (owaziwa nangokuthi inqubomgomo yokukhokhela izibhedlela zengozi, noma umane wengeze engozini) angakhokha izindleko zezokwelapha ngenxa yengozi engahlanganiswa nomshuwalense wakho wendabuko njalo. Ezinye zalezi zinqubomgomo zingase zikhokhele nezinsizakalo ezengeziwe zokuqashwa, nezindleko zokuhamba nezokulala zamalungu omndeni.
Izinqubomgomo zokufakazela izingozi zithandwa ngabantu abaphilile abathengisa izinhlelo zomshuwalense wezempilo ophezulu. izingozi zingase zenzeke kubantu abanobuhle kakhulu, futhi ukwesekwa kungasiza ekubokeleni konke noma ingxenye yezindleko ezidonswayo nezinye izindleko ezingaphandle kwe-inshuwalense yezempilo.
Umshuwalense Wokukhokhela Isibhedlela
Umshuwalense Wezibhedlela (owaziwa ngokuthi yi-Insurance Confinement Insurance) uhlinzeka ngenzuzo yemali uma "uvalelwe" esibhedlela ngenxa yokugula noma ukulimala okukhulu. Inzuzo yemali - ifakwe esikhwameni esisodwa noma njengezinkokhelo zansuku zonke noma zamasonto onke - angeke iqale kuze kube ngemva kwesikhathi esincane sokulinda. Njengoba kufana nezinye izinhlobo zomshuwalense wokuxhaswa, ukufakwa okungeziwe kuhloswe ukusiza ukukhokhela izinsizakalo nezinto ezidingekayo ezingahlanganiswa ohlelweni lwakho lwezempilo olujwayelekile, kodwa ukufakwa kokungeziwe akudingeki kube ngumthombo wakho womshuwalense kuphela.
Umthengi Qaphela - Ngeke Udinge Umkhiqizo Ongaphezulu
Izindleko zomshuwalense wezempilo ezengeziwe zikhuthazwa kakhulu ekukhangiseni ngqo kuya kubathengi. Abaningi baseMelika bajwayelene ne-Aflac duck, uphawu lokukhangisa oluye lwasiza i-Aflac ukuba ibe ngumhlinzeki omkhulu kunazo zonke umshuwalense wokungeziwe e-US
Nakuba izinqubomgomo eziningi zokwengeza azikho izindleko ezibi kakhulu, ukuphindwa kabili kungase kungadingekile. Uma uneminyaka engaphezu kwengu-65 futhi unayo iMedare, ungathola ukuvikeleka okugcwele kwezempilo okudingayo ngokuthenga inqubomgomo ejwayelekile ye-Medigap noma ukubhalisa ohlelweni lwe-Medicare Advantage.
Isinyathelo sakho sokuqala ukuqinisekisa ukuthi wena nomndeni wakho bavikelwe ngecebo elivamile lempilo. Uma ucabanga ukuthi udinga umshuwalense we-supplemental, kufanele uzibuze imibuzo elandelayo:
- Uma mina noma ilungu lomndeni lingena engozini noma siba nesifo esibi, ingabe uhlelo lwami lwezempilo luzofaka izindleko zokwelapha?
- Nginayo indlela yokumboza izindleko ezingaphandle kwe-pocket ezizobe zikhona ngaphansi kwesimiso sami samanje sezempilo, kanye nezindleko ezengeziwe ezingase zihambisane nokugula kanye / noma ukuphuma emsebenzini isikhathi eside?
- Kungenzeka kanjani ukuthi mina noma ilungu lomndeni wami lizoba yingozi engathà sina noma sizoba nokugula okukhulu?
- Ingabe izindleko ezengeziwe zenqubomgomo yomshuwalense eyongezayo ziba nengqondo ngokuhamba kwesikhathi?
Ukwengeza, ngaphambi kokuthenga inqubomgomo yokufaka isicelo, kubalulekile ukuqonda ukulinganiselwa nezinzuzo zalowo mshwalense. Isibonelo, inqubomgomo yakho yokufaka isicelo angeke ihlanganise zonke izindleko owazilindele; kungase kubekwe isikhathi sokulinda ngaphambi kokuqala kokukhokha; noma, iqukethe imingcele ngokusekelwe ukuthi ukhokhile kangakanani nokuthi ungakanani.
Qaphela ukuthi umshuwalense wokungeziwe awulawulwa uMthetho Wokunakekelwa Ongenakusiza. Lokhu kusho ukuthi izinhlelo zokwengeza zingasungula ukufaneleka emlandweni wezezokwelapha, zibeke imingcele ezimweni ezikhona ngaphambili, futhi-yilokho kanye nalezi zinzuzo zamaplani emazingeni aphansi. Kuvame ukubona izinhlelo ezongezwayo ngemikhakha yokuhlomula ephakathi kwamadola ayizinkulungwane ezimbalwa kuya kuma-dollar ayizinkulungwane ezimbalwa. Lezi zinhlelo zingase zibe usizo olukhulu emshuwalense wezempilo onakho, kodwa azihloselwe ukuma yedwa njengendlela yakho kuphela. Akulona ulwazi olubalulekile lokubambisana, ngakho-ke abantu abathembela kuzo ngaphandle kokunye ukufakwa kuzoba ngaphansi kwesigwebo somuntu ngamunye we-ACA sokungaqinisekisiwe.
Ngaphambi kokungena ngemvume emgqeni wamachashazi, qinisekisa ukuthi uqonda ngokugcwele izinzuzo kanye nokulinganiselwa komshuwalense. Futhi, uqaphele udoti lwe-duck!
UDkt Mike uMthombo Ophakanyisiwe
I-National Association of Insurance Commissioner ine-brochure enhle kakhulu enhlobonhlobo: Umhlahlandlela we-Shopper ku-Cancer Insurance .
> Imithombo:
> Congress.gov. I-HR2, i-Medicare Access kanye ne-CHIP yokugunyazwa kokugunyazwa kuka-2015.
> Medicare.gov. Ingxenye B Izindleko.