Nka Fetoha Molemong oa Medicare Ke ea Medigap?

Litaba

• Phapang ke efe lipakeng tsa Medicare Advantage le Medigap
• Medicare Advantage ke eng?
• Melemo ea Morero oa Melemo ea Medicare
• Likotsi tsa Morero oa Melemo ea Medicare
• Medigap ke eng?
• Melemo ea moralo oa Medigap
• Likotsi tsa moralo oa Medigap
• Nka chencha neng ho tloha Medicare Advantage ho ea Medigap?
• Malebela a ho khetha moralo oa Medicare
• Tsela

• Medicare Advantage le Medigap ka bobeli li rekisoa ke lik'hamphani tse ikemetseng tsa inshorense.
• Ba fana ka melemo ea Medicare ho kenyelletsa seo Medicare ea mantlha e se koahelang.
• U kanna oa se ngolisoe ho Medicare Advantage le Medigap, empa u ka fetoha lipakeng tsa meralo ena nakong e itseng ea ngoliso.

Haeba hajoale o na le Medicare Advantage, o ka fetohela ho Medigap nakong ea boinotšing windows. Medicare Advantage le Medigap ke mehlala ea mefuta e fapaneng ea inshorense eo u ka bang le eona - eseng ka nako e le 'ngoe.

Haeba u batla ho tloha Medicare Advantage ho ea Medigap, mona ke seo u hlokang ho se tseba ho etsa hore se etsahale.

Phapang ke efe lipakeng tsa Medicare Advantage le Medigap

Medicare Advantage le Medigap ka bobeli ke merero ea inshorense ea Medicare e fanoang ke lik'hamphani tsa inshorense tse ikemetseng; leha ho le joalo, li fana ka mefuta e fapaneng ea tšireletso.

Medicare Advantage (Karolo ea C) e nkela sebaka sa pele sa Medicare (likarolo tsa A le B), ha Medigap (Medicare supplement) e fana ka melemo e koahelang litšenyehelo tsa tlhokomelo ea bophelo bo botle tse kang li-copays, li-coinsurance le tse theotsoeng.

U ka ingolisa feela ho Medicare Advantage kapa Medigap - eseng ka bobeli, kahoo ho utloisisa phapang ea mananeo ana a mabeli a Medicare ho bohlokoa haholo ha u reka litaba tsa hau tsa Medicare.

Medicare Advantage ke eng?

E boetse e tsejoa e le Medicare Part C, merero ea Medicare Advantage e fana ka tšireletso e kopaneng sebakeng sa Medicare - Medicare Part A (sepetlele kapa sebaka sa bolulo sa bakuli ba sepetlele), le Medicare Part B (litšebeletso tsa bongaka le phepelo ea litaba). Merero ea Medicare Advantage e kanna ea kenyelletsa tšireletso ea lithethefatsi ea Medicare Part D hammoho le ho fana ka litaba tse ling bakeng sa lintho tse kang meno, pono, kutlo le tse ling.

Batho ba bang ba fumana litšebeletso tsa ho bokella chelete e le 'ngoe khoeli le khoeli ho bonolo ho e utloisisa ebile hangata e na le litšenyehelo tse ngata,' me batho ba bangata ba natefeloa ke lits'ebeletso tse ling tseo merero ea Medicare Advantage e fanang ka eona.

Ho latela k'hamphani le moralo oo u o khethang, merero e mengata ea Medicare Advantage e lekanyetsa bafani ba tlhokomelo ea bophelo bao u ka fihlelang ho bona feela ka har'a netweke ea bona. Medicare Advantage e ka ba thata ho feta Medicare ea mantlha haeba motho ea nang le leano la Medicare Advantage a hloka ho bona litsebi tsa bongaka.

Melemo ea Morero oa Melemo ea Medicare

• Merero ea Medicare Advantage e kanna ea akaretsa lits'ebeletso tse ling tsa Medicare tsa setso ha li joalo ka pono, meno kapa mananeo a bophelo bo botle.
• Merero ena e ka fana ka liphutheloana tse etselitsoeng batho ba nang le maemo a itseng a sa foleng a bongaka ba hlokang lits'ebeletso tse khethehileng.
• Merero ena e kenyelletsa ho koahela lithethefatsi ka lengolo la ngaka.
• Merero ea Medicare Advantage e ka ba theko e tlase haeba motho a hloka feela ho bona lenane la bafani ba bongaka ba lumelletsoeng morerong oa Medicare Advantage.

Likotsi tsa Morero oa Melemo ea Medicare

• Merero e meng e ka fokotsa lingaka tseo u ka li bonang, tse ka lebisang litšenyehelong tsa kantle ho chelete haeba u bona ngaka e seng marang-rang.
• Batho ba bang ba kulang haholo ba ka fumana Medicare Advantage e theko e boima haholo ka lebaka la litšenyehelo tsa kantle ho pokello mme ba hloka ho bona bafani ba sa tšoaneleheng tlasa moralo o itseng.
• Merero e meng e kanna ea se fumanehe ho latela sebaka seo motho a leng ho sona.

U ka kenela Medicare Advantage kamora lilemo tse 65 le kamora hore u ingolise ho Medicare Part A le B. Haeba u na le lefu la renal la ho qetela (ESRD), hangata o ka ikopanya le leano le khethehileng la Medicare Advantage le bitsoang Special Needs Plan (SNP). ).

Medigap ke eng?

Merero ea tlatsetso ea Medicare, eo hape e bitsoang Medigap, ke khetho ea inshorense e thusang ho lefella litšenyehelo tsa tlhokomelo ea bophelo bo botle tse kang lichelete tsa tšepe, li-copay le tse theotsoeng.

Merero ea Medigap e rekisoa ke lik'hamphani tsa poraefete tsa inshorense, mme ntle le haeba o reka moralo oa hau oa Medigap pele ho la 1 Pherekhong 2006, ha li koahele litlhare tsa ngaka. Haeba o khetha Medigap, o hloka ho ingolisa ho morero oa Medicare Part D oa ho fumana litlhare tse fanoang ke ngaka.

Leano la Medigap ke tlatsetso ho melemo ea hau ea Medicare Part A le Karolo ea B. U ntse u tla lefa moputso oa hau oa Medicare Part B ho tlatselletsa le tefo ea hau ea Medigap.

Melemo ea moralo oa Medigap

• Merero ea Medigap e maemong a ts'oanang, ho bolelang hore ha o ka falla, o ntse o ka boloka tšireletso ea hau. Ha ua tlameha ho fumana moralo o mocha joalo ka ha o tloaetse ho etsa ka Medicare Advantage.
• Merero e ka thusa ho tlatselletsa litšenyehelo tsa tlhokomelo ea bophelo tseo Medicare e sa li lefeng, tse fokotsang moroalo oa motho oa lichelete oa tlhokomelo ea bophelo.
• Le ha merero ea Medigap e ka bitsa chelete e ngata pele ho feta meralo ea Medicare Advantage, haeba motho a kula haholo, hangata a ka fokotsa litšenyehelo.
• Merero ea Medigap hangata e amoheloa litsing tsohle tse nkang Medicare, e li etsa hore li se be lithibelo tse ngata ho feta merero ea Medicare Advantage.

Likotsi tsa moralo oa Medigap

• Merero ea Medigap e hloka ho lefa chelete e eketsehileng ea inshorense, e ka ferekanyang batho ba bang.
• Chelete ea khoeli le khoeli hangata e phahame ho feta Medicare Advantage.
• Moralo oa F, o mong oa merero e tsebahalang haholo ea Medigap, o akaretsa litšenyehelo tse ngata tse tsoang pokothong. E ea fela ka 2020 bakeng sa baamoheli ba bacha ba Medicare. Sena se ka ama botumo ba meralo ea Medigap.

Maano a Medigap a emisoa ke Medicare. Sena se bolela hore o ka khetha maano a 'maloa a ts'oanang le naha ka bophara. Leha ho le joalo, lik'hamphani tsa inshorense li ka lefisa litheko tse fapaneng bakeng sa maano a Medigap. Ke ka hona ho lefang ho bapisa likhetho ha u reka Medigap. Merero ea tlatsetso ea Medicare e sebelisa litlhaku e le mabitso. Merero e 10 e fumanehang hajoale e kenyelletsa: A, B, C, D, F, G, K, L, M, le N.

Ntle le haeba u rekile moralo oa hau oa Medigap pele ho 2020, u tla hloka Medicare Part D hape haeba u batla ho koaheloa ke lithethefatsi.

Nka chencha neng ho tloha Medicare Advantage ho ea Medigap?

Linaha tse ling li hloka hore lik'hamphani tsa inshorense li rekise bonyane mofuta o le mong oa leano la Medigap ho ba ka tlase ho lilemo tse 65 ba tšoanelehang bakeng sa Medicare. Linaha tse ling li kanna tsa se be le merero ea Medigap e fumanehang ho ba ka tlase ho lilemo tse 65 ba nang le Medicare.

U ka reka leano la Medigap nakong ea ngoliso e bulehileng ea likhoeli tse 6 e etsahalang kamora hore u be lilemo tse 65 'me u ngolisitse ho Medicare Part B. Haeba u sa ngolise ka nako ena, lik'hamphani tsa inshorense li ka eketsa litefiso tsa khoeli le khoeli.

U ka tloha Medicare Advantage feela ho ea Medigap nakong ea linako tsa bohlokoa tsa selemo. Hape, bakeng sa ho ingolisa ho Medigap, o tlameha ho ingolisa hape ho Medicare ea mantlha.

Linako tsa ha o ka tloha ho Medicare Advantage ho ea Medigap li kenyelletsa:

• Nako ea ngoliso e bulehileng ea Medicare Advantage (Pherekhong 1 ho la 31 Hlakubele). Ena ke ketsahalo ea selemo le selemo eo, haeba u ngolisitse ho Medicare Advantage, u ka fetolang merero ea Medicare Advantage kapa ua tlohela moralo oa Medicare Advantage, u khutlela ho Medicare ea mantlha, 'me u etsa kopo ea leano la Medigap.
• Nako ea ho ingolisa e bulehileng (Mphalane 15 – Tšitoe 7). Ka linako tse ling e bitsoa nako ea ho ingolisa ea selemo le selemo (AEP), o ka ingolisa morerong ofe kapa ofe oa Medicare, 'me u ka tloha ho Medicare Advantage ho ea Medicare ea mantlha ebe u etsa kopo ea leano la Medigap nakong ena.
• Nako e khethehileng ea ho ngolisa. U kanna oa khona ho tlohela moralo oa hau oa Advantage haeba u ntse u tsamaea 'me leano la hau la Medicare Advantage ha le fanoe ka zip code ea hau e ncha.
• Nako ea teko ea Medicare Advantage. Likhoeli tse 12 tse qalang ka mor'a ho ingolisa ho Medicare Advantage li tsejoa e le nako ea teko ea Medicare Advantage, haeba lena e le lekhetlo la pele u e-na le leano la Advantage, u ka khutlela ho Medicare ea pele 'me u etsa kopo ea Medigap.

Malebela a ho khetha moralo oa Medicare

• Sebelisa libaka tse kang Medicare.gov ho bapisa litheko tsa merero.
• Letsetsa lefapha la inshorense ea mmuso oa hau ho fumana hore na moralo oo u o nahanang o bile le litletlebo khahlano le ona.
• Bua le metsoalle ea hau e nang le Medicare Advantage kapa Medigap 'me u fumane seo ba se ratang le seo ba sa se rateng.
• Ikopanye le bafani ba bongaka bao u ba ratang ho fumana hore na ba nka moralo oa Medicare Advantage oo u o lekolang.
• Hlahloba tekanyetso ea hau ho bona hore na u ka lebella ho lefa bokae khoeli le khoeli.

Tsela

• Merero ea Medicare Advantage le Medigap ke likarolo tsa Medicare tse ka etsang hore tšireletso ea bophelo bo botle e be theko e tlase.
• Ha ho khetha e 'ngoe kapa e' ngoe ho hloka lipatlisiso le nako, e 'ngoe le e' ngoe e na le monyetla oa ho u bolokela chelete ka litšenyehelo tsa tlhokomelo ea bophelo ha ho ka hlokahala.
• Haeba o sa tsebe hantle hore na o qale kae, letsetsa 1-800-MEDICARE mme baemeli ba Medicare ba ka u thusa ho fumana lisebelisoa tseo u li hlokang.

Tlhahisoleseling e fumanehang webosaeteng ena e ka u thusa ho iketsetsa liqeto ka inshorense, empa ha ea etsetsoa ho fana ka likeletso mabapi le ho reka kapa ho sebelisa inshorense kapa lihlahisoa tsa inshorense. Healthline Media ha e sebetse khoebong ea inshorense ka tsela efe kapa efe ebile ha e na laesense ea ho ba k'hamphani ea inshorense kapa moetsi oa matla afe kapa afe a U.S. Healthline Media ha e khothaletse kapa ho ts'ehetsa batho ba boraro ba ka etsang khoebo ea inshorense.