Ukuqonda inqubomgomo yakho ye-Medigap ne-Asslemental Insurance
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 ukumboza "izikhala" ezingakhokhiwe yi-Medicare, njengama-copayments, u-coinsurance, nama-deductibles. Lezi zinganezela izindleko eziningi ezingaphandle kwezindleko , ikakhulukazi uma ungene esibhedlela noma udinga usizo lwezindlu oluhlengikazi.
Ezinye izinqubomgomo ze-Medigap nazo zizokhokhela izinsizakalo ezithile zezempilo ngaphandle kwe-United States nezinsizakalo ezithize zokuvimbela ezingahlanganiswa ne-Medicare.
Umshuwalense waseMedigap (owaziwa nangokuthi uM Medicare Supplement Insurance) uzimisele ngokuzithandela futhi unesibopho se-premium yenyanga noma ngekota. I-Medicare ngeke ikhokhe noma yiziphi izindleko zakho ukuthenga inqubomgomo ye-Medigap.
Izinqubomgomo ze-Medigap zisebenza kanjani?
Uma ukhona 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.
Isibonelo: U-Alice G unesifo sikashukela sohlobo lwesibili futhi uvakashele udokotela wakhe wokunakekela oyinhloko njalo ezinyangeni ezintathu kuya kwezine ekunakekelweni okulandelwayo. Inqubomgomo yakhe ye-Medigap ihlanganisa uhlelo lwe-Plan B, kodwa akusilo uhlelo lwakhe oludonswayo . Ekuqaleni konyaka, ukhokha imali yokuqala engu-$ 155 yokuvakasha kwakhe kwezokwelapha. Ngemuva kwalokho, i-Medicare ikhokha u-80% wemali evunyelwe ukwelashwa kukaDokotela kanye nenqubomgomo yakhe ye-Medigap ekhokhela ama-20% asele - kusukela uMedarela evumela ukuvakashelwa ihhovisi ebiza u-$ 65, u-Medicare ukhokha u-$ 52 kanti i-Medigap ikhokha u-$ 13.
Izinqubomgomo ze-Medigap zithengiswa izinkampani zomshuwalense wangasese. Lezi zinqubomgomo kudingeka zichazwe ngokucacile njenge- Medicare Supplement Insurance . Futhi, inqubomgomo ngayinye kufanele ilandele imithetho ye-Federal and state eyenzelwe ukuvikela abathengi.
Izinkampani zomshuwalense we-Medigap zingakudayisa kuphela inqubomgomo eqinisekisiwe ye-Medigap ekhonjiswe ngezinhlamvu A ngeL.
Uhlelo ngalunye lwe-Medigap kumele lunikeze izinzuzo ezifanayo eziyisisekelo, kungakhathaliseki ukuthi iyiphi inkampani yomshuwalense eyithengisayo. Ngakho, i-Medigap Plan F inezinhlobo ezifanayo zezinzuzo kungakhathaliseki inkampani yomshuwalense noma indawo.
Intambo ye-Medigap evela kuDkt Mike: Akuzona zonke izinhlelo ezitholakala kuzo zonke izindawo. Futhi, abathathu bathi - eMassachusetts, Minnesota naseWisconsin - banezinqubomgomo zabo ze-Medigap ezahluke ezinhlelweni ezijwayelekile zeMedigap.
Ingakanani Imali Yomshuwalense We-Medigap?
Kungakanani okhokhela inqubomgomo ye-Medigap kuxhomeke kuhlelo osikhethayo nokuthi iyiphi inkampani yomshuwalense oyisebenzisayo.
Ngamanye amapulani (A ngokusebenzisa L) inikeza izinhlu ezahlukene zezinzuzo kanye nezindleko zihluka nenani lokuhlanganisa. Ngokuvamile, uhlelo A, olunikeza izinzuzo ezimbalwa kunama-premium aphansi kakhulu. Izinhlelo ze-Medigap ezinikeza izinzuzo eziningi, njenge-Plan J, ngokuvamile ziba ne-premium ephezulu. Ngokusho kwe-Medicare Rights Center, izinhlelo ezidume kakhulu ze-Medigap ziyi C no-F, ngoba zihlanganisa izinzuzo ezinkulu futhi zibiza kakhulu kunezinye izinhlelo eziningi.
Nakuba i-Medicare ichaza ukuthi isiphi isilungiselelo ngasinye seMedigap, asilawuli ukuthi iyiphi inkampani yomshuwalense engayikhokhisa. Izinkampani zomshuwalense ezizimele zingakwazi ukukhokhisa amaphrimiyamu ahlukene ngokubambisana okufanayo kwe-Medigap.
Isibonelo: ENew York City, kusukela ngoDisemba 2009, i-premium yenyanga yeMigigap Plan C isukela kusuka ngaphansi kwe $ 232 kuya kuma-337 aphezulu. Lokhu kuzoba ngumphumela wonyaka we $ 1260!
Iyiphi Inhlobo Yezinzuzo Zenza I-Medigap Izinqubomgomo Zomnikelo?
I-Medigap ihlela A ngokusebenzisa J kumele ifake izinzuzo eziyisisekelo ezilandelayo:
- Ukunakekelwa Kwezibhedlela Eziphuthumayo: Kuhlinzekela i-Medicare Part A ukuqinisekiswa kwemali (kodwa hhayi i-Part A deductible yonyaka) kanye nokufakwa kwenyanga kwezinsuku ezingu-365 ngemuva kokuphela kweMediare.
- Izindleko zezokwelapha: Ihlanganisa ukuqinisekiswa kwe-Medicare Part B (kodwa hhayi i-Part B yonyaka edonswa) noma ama-copayments ezinsizakalo zokubeletha esibhedlela. Ukuqiniswa kweNgxenye B ngokuvamile kuyingxenye ye-20% yemali evunyelwe i-Medicare yenkonzo.
- Igazi: Ihlanganisa amaphuzu amathathu okuqala wegazi oyidingayo ngonyaka.
Kuye ngokuthi uluphi uhlelo lweMedigap oyikhethayo, ungathola ukukhokhelwa izindleko ezengeziwe kanye nezinzuzo ezengeziwe.
- Isibhedlela esinqunyiwe ngonyaka (amapulani B kuya kuL)
- Usizo lwezokwelapha oluqeqeshiwe (izinhlelo C kuya kuL)
- Ingxenye B annuctible deductible (amapulani C, F noJ)
- Ukunakekelwa okuphuthumayo ngesikhathi sokuhamba kwamanye amazwe (amapulani C kuya kuJ)
- Ukunakekelwa kwamakhaya ekhaya (amapulani D, G, I noJ)
- Ukunakekelwa kokuvikela okungahlanganiswa ne-Medicare (amapulani E noJ)
- Imali ye-Medicare Part B eyengeziwe (amapulani F, G, I noJ) - inkokhelo engaphezu kwemali inani elingaphezu kwesamba esivunyelwe yiMedare udokotela ongahlanganyeli ohlelweni lwe-Medicare angashaja.
Iqiniso le-Medigap elivela kuDkt Mike: Izinhlelo ze-Medigap L no-K zinikeza ukuhlinzekwa kwe-Medicare Part A okudonswayo kanye nokukhokhelwa kwezimali, igazi, nokukhokhelwa kwemali noma i-copayments ye-Medicare Part B, ukunakekelwa kwezibhedlela, izindawo zokuhlengikaza abanekhono, kanye nokunakekelwa kokuvimbela imithi. Lezi zinhlelo zinezidingo ezahlukene zokwabelana ngezindleko kunamapulani A ngokusebenzisa J futhi kuzodingeka uhlangabezane nomkhawulo wonyaka ongaphandle kwe-pocket ongadlula u-$ 4500.
Kusukela ngo-Juni 1, 2010, izinhlobo zezinhlelo zeMedigap ongayithenga zizoshintsha. Izinhlelo E, H, I, noJ ngeke zisathengiswa (uma usuvele ubhaliswe kwenye yalezi zinhlelo, ungagcina uhlelo lwakho). Amalungiselelo amabili amabili e-Medigap (M no-N) azohlinzeka.
Ingabe Ngidinga Inqubomgomo Ye-Medigap uma ngibhalisile kwi-Medicare Advantage Plan?
Uma nje ubhalisile kwi- Medicare Advantage Plan , akudingeki ukuthi uthenge inqubomgomo ye-Medigap. Eqinisweni, akukho emthethweni ukuthi umuntu akuthengise inqubomgomo ye-Medigap uma uhlelekile ohlelweni. Izinzuzo ezinikezwe inqubomgomo ye-Medigap zihlanganiswa uhlelo lwakho lokuhlomula futhi isithasiselo se-Medigap asikhokhisi ama-deductibles, ama-copayments, noma u-coinsurance plan.
Ngingayifundaphi Kakhulu Mayelana Nokusetshenziswa Kwe-Medigap?
Ngaphambi kokuthenga uhlelo lwe-Medigap, kubalulekile ukuthi uqonde imithetho ye-Medicare's Medigap, amalungelo akho, kanye nezinketho ze-Medigap ezitholakala kuhulumeni wakho. Imithombo elandelayo yindawo enhle yokuqala:
- Ukukhetha inqubomgomo ye-Medigap: Umhlahlandlela ovela ku-Medicare
- Umshuwalense we-Supplemental we-Medicare wokuqala: I-resource interactive mayelana nokubika kwe-Medigap kusuka kwi-Medicare Rights Center
- Uhlelo lwe-State Health Insurance Assistance Program: uhlelo olunikeza ukwelulekwa ngabanye kanye nokusiza kubantu abane-Medicare