Medicare Karolo ea G: Seo e se koahelang le ho feta

Litaba

• Litefiso tse fetelletseng tsa Medicare Part B
• Morero oa Tlatsetso oa Medicare o koahela eng?
• Ho utloisisa Medigap
• Ho etsa qeto ka leano la Medigap
• Medigap, Massachusetts, Minnesota le Wisconsin
• Ke litokelo life tse netefalitsoeng?
• Tsa Tsau-tsau

Morero oa Tlatsetso ea Medicare G o akaretsa karolo ea hau ea melemo ea bongaka (ntle le kantle ho mokuli ea lefuoang) e koaelitsoeng ke Medicare ea mantlha. E boetse e bitsoa Medigap Plan G.

Medicare ea mantlha e kenyelletsa Medicare Karolo ea A (inshorense ea sepetlele) le Medicare Part B (inshorense ea bongaka).

Morero oa Medigap G ke o mong oa merero e 10 e tsebahalang haholo ka lebaka la tšireletso ea eona e pharalletseng, ho kenyeletsoa le litefiso tsa karolo ea B.

Tsoela pele ho bala ho ithuta haholoanyane ka Medicare Part G le hore na e akaretsa eng.

Litefiso tse fetelletseng tsa Medicare Part B

Medicare Karolo ea B e akaretsa feela bafani ba tlhokomelo ea bophelo ba nkang karolo ho Medicare. Haeba u khetha mofani ea sa nkeng karolo ho Medicare, mofani eo a ka lefisa ho fihla ho liperesente tse 15 ho feta sekhahla se tloaelehileng sa Medicare.

Tefiso ena ea tlatsetso e nkuoa e le tefiso e fetelletseng ea Karolo B. Haeba moralo oa hau oa Medigap o sa lefelle litefiso tse fetelletseng tsa Karolo ea B, o tla lefa ka pokothong.

Morero oa Tlatsetso oa Medicare o koahela eng?

Hang ha u se u lefile chelete ea hau, chelete e ngata ea Medigap e koahela lichelete tsa lichelete. Maano a mang a Medigap le ona a lefa se theoleloang.

Ho koaheloa ke Medicare Supplement Plan G ho kenyelletsa:

• Karolo ea A ho fana ka lichelete le litšenyehelo tsa sepetlele kamora hore melemo ea Medicare e sebelisoe (ho fihlela matsatsi a mang a 365): liperesente tsa 100
• Karolo ea A e ka fokotsoa: karolo ea 100 lekholong
• Karolo ea Tlhokomelo ea tlhokomelo ea bakuli ba tlhokomelo ea tlhokomelo ea tlhokomelo ea tlhokomelo ea tlhokomelo ea tlhokomelo ea batho ba hlokang tlhokomelo kapa chelete ea chelete: karolo ea 100 lekholong
• Karolo ea B kholiseho kapa chelete ea chelete: karolo ea 100 lekholong
• Karolo ea B e fokotsoang: ha ea koaheloa
• Tefiso e fetelletseng ea Karolo B: liperesente tsa 100
• setsi sa tlhokomelo ea booki ba nang le boiphihlelo: liperesente tse 100
• mali (lipente tse 3 tsa pele): liperesente tse 100
• phapanyetsano ea maeto a kantle ho naha: liperesente tsa 80
• out-of-pocket limit: ha e sebetse

Ho utloisisa Medigap

Maano a Medigap, joalo ka Medicare Supplement Plan G, a thusa ho koahela litšenyehelo tsa tlhokomelo ea bophelo bo sa koaeloang ke Medicare ea mantlha. Maano ana ke:

• e rekisoa ke lik'hamphani tse ikemetseng tsa inshorense
• tekanyetso le ho latela melao ea naha le ea naha
• e tsejoang libakeng tse ngata ka tlhaku e tšoanang, ntlheng ena, "G"

Leano la Medigap ke la motho a le mong feela. Uena le molekane oa hau le hloka leano la motho ka mong.

Haeba u batla leano la Medigap, u:

• o tlameha ho ba le Medicare Part A le Karolo B ea mantlha
• e ke ke ea ba le moralo oa Medicare Advantage
• o tla lefisoa khoeli le khoeli (ntle le litefiso tsa hau tsa Medicare)

Ho etsa qeto ka leano la Medigap

Mokhoa o mong oa ho fumana inshorense ea tlatsetso ea Medicare e lumellanang le litlhoko tsa hau ke ka "Fumana leano la Medigap le u sebeletsang" ts'ebeliso ea patlo ea inthanete. Lisebelisoa tsena tsa ho batla inthaneteng li thehiloe ke U.S. Centers for Medicare & Medicaid Services (CMS).

Medigap, Massachusetts, Minnesota le Wisconsin

Haeba u lula Massachusetts, Minnesota, kapa Wisconsin, maano a Medigap a emisitsoe ka tsela e fapaneng ho fapana le libakeng tse ling. Maano a fapane, empa o netefalitse litokelo tsa taba ea ho reka leano la Medigap.

• Ho la Massachusetts, merero ea Medigap e na le Moralo oa Motheo le Moralo oa Tlatsetso oa 1.
• Minnesota, merero ea Medigap e na le merero ea mantlha le e atolositsoeng ea melemo.
• Ho Wisconsin, merero ea Medigap e na le moralo oa mantlha le liperesente tsa 50 le liperesente tsa 25 merero ea ho arolelana litšenyehelo.

Bakeng sa tlhaiso-leseling e batsi, o ka sebelisa "Fumana leano la Medigap le u sebeletsang" sesebelisoa sa ho batla kapa letsetsa lefapha la inshorense ea mmuso.

Ke litokelo life tse netefalitsoeng?

Litokelo tse netefalitsoeng tsa litaba (tse tsejoang hape e le ts'ireletso ea Medigap) li hloka hore lik'hamphani tsa inshorense li u rekisetse leano la Medigap le reng:

• e akaretsa maemo a seng a ntse a le teng a bophelo bo botle
• ha e bitse chelete e ngata ka lebaka la maemo a bophelo bo fetileng kapa a joale

Litokelo tse netefalitsoeng tsa litaba hangata lia sebetsa ha litaba tsa bophelo bo botle li fetoha, joalo ka ha u ngolisitse ho Morero oa Melemo ea Medicare 'me e emisa ho fana ka tlhokomelo sebakeng sa heno, kapa haeba u tlohela mosebetsi' me litaba tsa tlhokomelo ea bophelo ba mohiruoa li fela.

Etela leqephe lena bakeng sa tlhaiso-leseling e batsi ka litokelo tse netefalitsoeng.

Tsa Tsau-tsau

Medicare Supplement Plan G ke leano la Medigap le thusang ho koahela litšenyehelo tsa tlhokomelo ea bophelo bo sa koaeloang ke Medicare ea mantlha. Ke e 'ngoe ea merero ea Medigap e pharaletseng ka ho fetesisa, ho kenyeletsoa le litaba tsa litefiso tse fetelletseng tsa Medicare Part B.

Maano a Medigap a emisitsoe ka tsela e fapaneng Massachusetts, Minnesota le Wisconsin. Haeba o lula ho e 'ngoe ea linaha tseo, o tla tlameha ho lekola linyehelo tsa bona tsa Medigap ho fumana leano le ts'oanang le la Medicare Supplement Plan G.

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.