Kunzwisisa Purogiramu Yenyu Medigap uye Supplemental Insurance
Pakutanga Medicare (iyo inosanganisira Chikamu A Ahurumende yeArpital Insurance uye Chikamu B Inishuwarenzi yeArape ) inokweretesa kune vakawanda, asi kwete yose, zvese zvine chokuita nehutano nemishonga. Unogona kutenga inshuwarisi yekuvhara "matanho" asingabhadharwi neMedare, zvakadai sekubhadhara mari, kubhadhara mari, uye kubhadhara. Izvi zvinogona kuwedzera kusvika kune zvakawanda zvekunze-zve-podhazvino , kunyanya kana iwe uri muchipatara kana unoda mazano ekurapa maimba ekurapa.
Mimwe mitemo yeMedigap ichabhadharawo humwe hutano huri kunze kweUnited States uye mamwe maitiro ekudzivirira asina kuvharwa neMedare.
Medigap yunishuwarenzi (inozivikanwawo seMurengeti Supplement Insurance) ndeyokuzvidira uye iwe uri mutoro wepurogiramu yegore negore kana yekota. Medicare haingabhadhari chero chezvaunotenga kuti utenge mutemo weMedigap.
Maonero eMedigap Anoshanda Sei?
Kana iwe uri muMutambo Wemagetsi (Zvikamu A uye B) uye une chirongwa cheMedigap, First Medicare inopa chikamu chayo chemishonga-Medicare-inogamuchirwa nokuda kwemari yako yehutano yakavharwa. Zvadaro mutemo wako weMedigap unobhadhara chikamu chazvo chemari.
Semuenzaniso: Alice G ane chirwere cheshuga chechipiri uye anoshanyira chiremba wake wekutanga wega wega kusvika mwedzi mina kusvika kwechina. Mutevedzeri weMedigap wake unobatanidza Plan B coinsurance , asi kwete yake Plan B inobviswa . Pakutanga kwegore, anobhadhara $ 155 yekutanga yekushanyira kwake kurapa. Kubva ipapo, Medicare inopa 80% yemutengo we Medicare-inogamuchirwa yekushanyira kwachiremba uye Medigap yake inotora chikwereti 20% inosara - sezvo Medicare inobvumira hofisi kushanyira mari ye $ 65, Medicare inokwereta $ 52 uye Medigap inokwereta $ 13.
Medigap mitemo inotengeswa nemakambani einishuwarenzi ega. Iyi mitemo inofanirwa kuve yakanzwisiswa seMurengeti Supplement Insurance . Uye, nheyo imwe neimwe inofanira kutevera mitemo yeFederal uye yenyika yakagadzirirwa kuchengetedza vatengi.
Makambani eUndigap yehushuwarisi anogona kungokutengesa imwe mutevedzeri wemitemo yeMigigap yakawanikwa netsamba A kuburikidza naL.
Chirongwa cheMedigap chimwe nechimwe chinofanira kupa zvakakosha zvinobatsira, pasinei nokuti kambani yveshuwarenzi inotengesa. Saka, Medigap Plan F ine imwechete yezvibatsiro pasinei nekambani yeinishuwarenzi kana nzvimbo.
Chirevo cheMedigap kubva kuna Dr Mike: Haasi zvirongwa zvose zviripo munzvimbo dzose. Uye, vatatu vanoti - Massachusetts, Minnesota neWisconsin - vane maMigigap avo mazano avo akasiyana nemiganhu ye Medigap.
Mari Medigap Inobatsira Zvakadini?
Iwe unobhadhara mari yakawanda sei nekuda kwehurongwa hweMedigap hunoenderana nepurogiramu yaunosarudza uye iyo yunivhesiti yaunoshandisa iyo inshuwarisi.
Chimwe nechimwe chezvirongwa (A kuburikidza neL) chinopa zvikamu zvakasiyana zvezvibatsiro uye mari inoshandiswa inoenderana nekuwanda kwekugovera. Pasi rose, chirongwa A, chinopa zvikomborero zvishoma pane zvikwereti zvakaderera. Medigap zvirongwa zvinopa zvimwe zvikomborero, zvakadai seGadziriro J, kazhinji ine purogiramu yakakwirira. Maererano neMederal Rights Rights Center, zvirongwa zveMedigap zvinonyanyozivikanwa ndezveC uye F, nokuti dzinobatsira zvikuru uye dzinodhura kudarika dzimwe dzakawanda.
Kunyange zvazvo Medicare inotsanangura chinangwa cheMedigap chimwe nechimwe, hachigadziri izvo izvo kambani ye inshurensi inogona kutengesa. Private inshuwarisi makambani anogona kutengesa premiums yakasiyana yemamwe Medigap.
Semuenzaniso: MuNew York City, kubva munaDecember 2009, mwedzi wekutanga weMedigap Plan C yakaderera kubva pakaderera $ 232 kusvika kuma $ 337. Izvi zvinogona kuenderana nekusiyana kwegore negore kwe $ 1260!
Ndechipi Chinyorwa Chezvipo Zvinonzi Medigap Mitemo Inopa?
Medigap inoronga A kuburikidza neJ inofanira kusanganisira zvinotevera zvinobatsira:
- Inpatient Hospital Care: Inovhara Medicare Chikamu coinsurance (asi kwete Chikamu A chakawanikwa gore negore) pamwe nekugoverwa kwemazuva makumi mapfumbamwe nemazana makumi matatu nemaviri mushure mokunge Medicare iri kupera.
- Zvokurapa Zvokurapa: Inovhara Medicare Chikamu B coinsurance (asi kwete Chikamu B chakabviswa kare) kana zvikwereti zvezvipatara zvekurapa zvipatara. Chikamu B coinsurance inowanzoita 20% yemari yaMedare-inogamuchirwa yebasa.
- Ropa: Inovhara mafura matatu ekutanga eropa raunoda gore negore.
Zvichienderana nokuti Medigap inoronga chii, iwe unogona kuwana huwandu hwezvimwe zvikwereti uye zvinobatsira Medicare haina kuvhara, kusanganisira:
- Chipatara chakaparadzirwa gore negore (zvirongwa B kusvika kuL)
- Unyanzvi hwokurapa unyanzvi hwekuchengetedza (zvirongwa C kusvika kuL)
- Chikamu B gore rinodonhedzwa (zvirongwa C, F uye J)
- Emergency care panguva yekufamba kune dzimwe nyika (zvirongwa C kusvika J)
- Pamba-kutarisira kugadziriswa (zvirongwa D, G, I naJ)
- Kuchengetedza kwekuchengetedza kusina kuvharwa neMedare (zvirongwa E neJ)
- Medicare Chikamu B chiremba anodarika madhora (zvirongwa F, G, I uye J) - mutengo wakawandisa ndiyo mari iri pamusoro pemari yaMedare-inogamuchirwa iyo chiremba uyo asingabatanidzi muchirongwa cheMedricare anogona kutengesa.
Izwi reMedigap kubva kuna Dr. Mike: Medigap Plans L uye K inopa kugoverwa kweMedarereti A yezvikwereti uye kubhadhara, ropa, uye kubhadharwa kana zvikwereti zveMedare Chikamu B, kuchengetwa kwekuchengetwa kwekuchengetwa, kutarisira vanachiremba, uye Medicare-yakavharwa kuchengetedzwa. Zvirongwa izvi zvine zvakasiyana-siyana-kugoverana zvinoda kupfuura Plans A kusvika J uye iwe uchada kusangana nemuganhu wegore negore unenge uri kunze kwehomwe unogona kudarika $ 4500.
Kutanga paJune 1, 2010, mhando dzeMedigap zvirongwa zvaunogona kutenga zvichachinja. Zvirongwa E, H, I, uye J hazvichazotengeswi (kana iwe watotonyora mune imwe yezvirongwa izvi, unogona kuchengeta hurongwa hwako). Miviri itsva Medigap zvirongwa (M neN) zvichagoverwa.
Ndinoda Imwe Medigap Purogiramu here kana ndakanyoresa mu Medicare Advantage Plan?
Chero bedzi iwe wakanyoresa mu Medicare Advantage Plan , haufaniri kutenga mutemo weMedigap. Zvechokwadi, hazvibvumirwe nemutemo kune munhu wose kuti atengese iwe mutemo weMedigap kana uri muurongwa huri nani. Zvikomborero zvakapiwa nemutemo weMedigap zvakaputirwa nepurogiramu yako yebatsiro uye Medigap yepamutsiriro haibhadhara mari yako inobhadhara mari, kubhadharwa, kana kubhadhara mari.
Ndekupi Kwandinogona Kudzidza Zvakawanda Pamusoro peMedigap Coverage?
Usati watenga chirongwa cheMedigap, zvinokosha kuti iwe unzwisise mitemo yaMedareti Medigap, kodzero dzako, pamwe chete neveMedigap zvisarudzo zviripo munyika yako. Nzvimbo dzinotevera dzinzvimbo yakanaka yekutanga:
- Kusarudza Medigap Policy: Mutungamiri kubva kuMedare
- Supplemental Inishuwarenzi yeAnti Medicare: Inyanzvi inobatsira pamusoro peMediaigap kubva kune Medicare Rights Center
- State Health Insurance Assistance Program: chirongwa chinopa mazano kune mumwe munhu ane rubatsiro uye rubatsiro kuvanhu vane Medicare