Ua hala ʻo Medigap Plan C i 2020?

Anter

• Ua hala ʻo Medigap Plan C?
• He aha inā inā loaʻa iaʻu kahi Medigap Plan C a makemake paha wau e kau inoa no hoʻokahi?
• Loaʻa i nā koho hoʻolālā like ʻē aʻe?
• He aha ka uhi a Medigap Plan C?
• He aha nā hoʻolālā ākea e loaʻa?
• Aia kekahi kumu kūʻai ma waena o nā hoʻolālā?
• Pehea wau e koho ai i ka hoʻolālā kūpono iaʻu?
• Nā pono Medigap:
• ʻO Medigap cons:
• ʻO ka lawe lawe ʻana

• ʻO Medigap Plan C kahi hoʻolālā ʻinikua kākoʻo, akā ʻaʻole like ia me Medicare Part C.
• Mālama ʻo Medigap Plan C i ke ʻano o nā lilo Medicare, me kahi ʻoki B.
• Mai Ianuali 1, 2020, ʻaʻole loaʻa hou ka hoʻolālā C i nā mea kākau inoa Medicare hou.
• Hiki iā ʻoe ke mālama i kāu hoʻolālā inā loaʻa iā Plan C a i ʻole inā ua kūpono ʻoe no Medicare ma mua o 2020.

Hiki paha iā ʻoe ke ʻike he mau loli i nā hoʻolālā Medigap e hoʻomaka ana i ka makahiki 2020, me ka Plan Medigap C. Hoʻomaka ma Ianuali 1, 2020, ua hoʻopau ʻia ka Plan C. Inā loaʻa iā ʻoe kahi Medicare a me kahi hoʻolālā kōkua Medigap a i ʻole e mākaukau ana e kākau inoa, e noʻonoʻo paha ʻoe pehea ka hopena o kēia mau loli iā ʻoe.

ʻO ka mea mua āu e ʻike ai ʻaʻole like ka Plan C me Medicare Mahele C. Pili like lākou, akā ʻo ka ʻāpana C, ʻo Medicare Advantage ka mea i ʻike ʻia, he papahana kaʻawale loa ia mai ka Medigap Plan C.

ʻO ka Plan C kahi papahana Medigap i makemake nui ʻia no ka mea hāʻawi ia i ka uhi no nā kumukūʻai he nui e pili ana iā Medicare, me ka ʻoki ʻana i ka ʻĀpana B. Ma lalo o nā lula 2020 hou, inā ua kākau inoa ʻia ʻoe i Plan C, hiki iā ʻoe ke mālama i kēia uhi.

Eia nō naʻe, inā he mea hou ʻoe i Medicare a ke noʻonoʻo nei i ka Plan C, ʻaʻole hiki iā ʻoe ke kūʻai. ʻO ka nūhou maikaʻi aia he nui nā hoʻolālā Medigap ʻē aʻe i loaʻa.

Ma kēia ʻatikala, e kamaʻilio mākou no ke aha i hele aku ai ʻo Plan C a ʻo nā hoʻolālā ʻē aʻe i kūpono kūpono iā ʻoe.

Ua hala ʻo Medigap Plan C?

I ka 2015, ua hoʻoholo ʻo ʻAhaʻōlelo i ke kānāwai i kapa ʻia ʻo Medicare Access a me CHIP Reauthorization Act o 2015 (MACRA). ʻO kekahi o nā hoʻololi i hana ʻia e kēia hoʻoholo ʻana ʻaʻole ʻae ʻia nā hoʻolālā Medigap e hoʻolako i ka uhi no ka ʻāpana B i unuhi ʻia. Ua holo kēia kānāwai ma Ianuali 1, 2020.

Ua hana kēia hoʻololi e hoʻonāwaliwali i ka poʻe mai ke kipa ʻana i ke keʻena o ke kauka a i ʻole ka haukapila ke kūpono ʻole. Ma ke koi ʻana i kēlā me kēia e uku mai ka ʻeke no ka ʻāpana B i unuhi ʻia, ua lana ka ʻahaʻōlelo e hōʻemi i nā kipa ʻana no nā maʻi liʻiliʻi e hiki ke mālama ʻia ma ka home.

ʻO ka Plan C kekahi o nā koho plan Medigap ʻelua i uhi ʻia i ka ʻāpana B i unuhi ʻia (ʻo Plan F kekahi. ʻO kēia ka manaʻo ʻaʻole hiki ke kūʻai hou aku i nā enrollees hou ma muli o ke kānāwai MACRA hou.

He aha inā inā loaʻa iaʻu kahi Medigap Plan C a makemake paha wau e kau inoa no hoʻokahi?

Hiki iā ʻoe ke mālama i kāu Plan C inā loaʻa iā ʻoe. ʻOiai ua kākau inoa ʻia ʻoe ma mua o Kēkēmapa 31, 2019, hiki iā ʻoe ke hoʻomau e hoʻohana i kāu hoʻolālā.

Inā ʻaʻole hoʻoholo ka ʻoihana āu e hāʻawi hou ʻole i kāu hoʻolālā, hiki iā ʻoe ke kau ma luna o ia mea inā lōʻihi ia he mea kūpono nāu. Hoʻohui ʻia, inā ua koho ʻia ʻoe no Medicare a i ʻole ma mua o Kēkēmapa 31, 2019, hiki iā ʻoe ke kākau inoa pū i ka Plan C.

Pili nā lula like i Plan F. Inā ua loaʻa iā ʻoe, a i ʻole ua kākau inoa ʻia i Medicare ma mua o 2020, e loaʻa ana ka hoʻolālā F iā ʻoe.

Loaʻa i nā koho hoʻolālā like ʻē aʻe?

ʻAʻole hiki ke loaʻa ʻo Plan C iā ʻoe inā ua kūpono hou ʻoe no Medicare ma 2021. He mau koho ʻē aʻe kāu no nā hoʻolālā Medigap e uhi ana i nā lilo Medicare he nui. Eia nō naʻe, ʻaʻole hiki i kēlā mau hoʻolālā ke uhi i nā koina B deductibles, no ke kānāwai hou.

He aha ka uhi a Medigap Plan C?

Kaulana loa ka hoʻolālā C ma muli o ke ʻano o ka laulā. Uhi ʻia nā uku hāʻawi kālā he nui Medicare ma lalo o ka hoʻolālā. Ma waho aʻe o ka uhi ʻana no ka ʻāpana B i unuhi ʻia, uhi ʻo Plan C:

• Mahele Medicare A lawe ʻia
• ʻO Medicare ʻĀpana A nā kumu kūʻai kālā
• ʻO Medicare ʻĀpana kālā B kumu kūʻai
• ka hale kūʻai kālā me ka hōʻaiʻē a hiki i 365 mau lā
• ʻo ka 3 pine o ke koko e pono ai no ke kaʻina hana
• mākaukau kahu pono hale mālama hānai
• waihona kālā hoʻokipa
• ka uhi pōpilikia ma ka ʻāina ʻē

E like me kāu e ʻike ai, kokoke i nā koina āpau e hāʻule i nā mea kōkua Medicare i uhi ʻia me Plan C. ʻO ke kumukūʻai wale nō i uhi ʻole ʻia e Plan C ʻo ia ka mea i ʻike ʻia ʻo ka ʻāpana B "nā koina nui." ʻO nā kumukūʻai ʻoi aku ka nui ma luna o ke kumukūʻai i ʻae ʻia e Medicare i hoʻopiʻi ʻia e ka mea mālama ola no kahi lawelawe. ʻAʻole ʻae ʻia nā uku keu i kekahi mau mokuʻāina, e hoʻolilo ana iā Plan C i koho maikaʻi loa.

He aha nā hoʻolālā ākea e loaʻa?

Loaʻa nā ʻano like ʻole o nā hoʻolālā Medigap, me Plan C a me Plan F. Inā ʻaʻole hiki iā ʻoe ke kākau inoa i kekahi o kēlā mau mea no ka mea ʻaʻole ʻoe i Medicare-kūpono ma mua o 2020, loaʻa iā ʻoe i ʻelua mau koho no ka laulima like.

ʻO nā koho i makemake ʻia e komo pū me nā Plana D, G, a me N. Hāʻawi like lākou āpau i ka Plans C a me F, me kekahi mau ʻokoʻa nui:

• Hoʻolālā D. Hāʻawi kēia hoʻolālā i nā uhi āpau o Plan C koe wale no ka ʻāpana B i unuhi ʻia.

• Aia kekahi kumu kūʻai ma waena o nā hoʻolālā?

  ʻOi aku ka kiʻekiʻe o nā uku ʻo Plan C ma mua o nā uku mahina no ka Plans D, G, a me N. ʻO kāu mau kumukūʻai e pili ana i kahi āu e noho ai, akā hiki iā ʻoe ke nānā i kekahi koina uku mai nā ʻāina āpau i ka pakuhi ma lalo:

  Kulanakauhale	Hoʻolālā C	Hoʻolālā D	Hoʻolālā G	Hoʻolālā N
  Piladelapia, PA	$151–$895	$138–$576	$128–$891	$88–$715
  San Antonio, TX	$120–$601	$127–$529	$88–$833	$70–$599
  Columbus, OH	$125–$746	$106–$591	$101–$857	$79–$681
  ʻO Denver, CO	$152–$1,156	$125–$693	$110–$1,036	$86–$722

  Kaukaʻi ʻia i kou mokuʻāina, loaʻa paha iā ʻoe ma mua o hoʻokahi koho Plan G. Hāʻawi kekahi mau mokuʻāina i nā koho Plan G hiki i hoʻemi ʻia kiʻekiʻe. E haʻahaʻa ana kāu mau kumukūʻai me kahi hoʻolālā hoʻoliʻiliʻi kiʻekiʻe, akā hiki i kou unuhi ʻana ke kiʻekiʻe ma kahi o kahi mau kaukani kālā ma mua o ka hoʻomaka ʻana o kāu uhi Medigap.

  Pehea wau e koho ai i ka hoʻolālā kūpono iaʻu?

  Hiki i nā hoʻolālā Medigap ke kōkua iā ʻoe e uku i nā koina e pili ana iā Medicare. Loaʻa nā hoʻolālā 10, a koi ʻo Medicare iā lākou e kaulike ʻia no nā mea a nā ʻoihana e hāʻawi ai iā lākou. ʻO ka ʻokoʻa i kēia lula nā hoʻolālā i hāʻawi ʻia i nā kamaʻāina o Massachusetts, Minnesota, a me Wisconsin. He mau rula ʻokoʻa kēia mau mokuʻāina no nā hoʻolālā Medigap.

  Eia naʻe, ʻaʻole kūpono nā hoʻolālā Medigap no nā mea āpau. Kaukaʻi ʻia i kāu moʻohelu kālā a me nā pono olakino, e uku ana i kahi hōʻemi hou aʻe ʻaʻole paha e kūpono i nā keu pono.

  Eia kekahi, ʻaʻole hāʻawi nā hoʻolālā Medigap i ka lāʻau hoʻomake a me nā mea kōkua ʻē aʻe. ʻO kahi laʻana, inā he maʻi maʻi kou e koi ai i kahi kuhikuhi, ʻoi aku paha ʻoe me kahi hoʻolālā Medicare Advantage Plan a i ʻole Medicare Part D plan.

  Ma ka ʻaoʻao ʻē aʻe, inā ua koi aku kāu kauka i kahi kaʻina hana e koi ai i kahi noho haukapila, kahi hoʻolālā Medigap e uhi ana i kāu ʻoki A hoʻemi ʻia a me kahi kālā ʻo ka haukapila kahi neʻe akamai.

  Nā pono Medigap:

  • laulā aupuni
  • ka uhi ʻana no nā kumu kūʻai lāʻau lapaʻau he nui
  • 365 mau lā hou aʻe o ka uhi ʻana o ka haukapila
  • hāʻawi kekahi mau hoʻolālā i ka uhi ʻana ʻoiai e huakaʻi i nā ʻāina ʻē
  • uhi kekahi mau hoʻolālā i nā keu e like me nā papahana hoʻoikaika kino
  • ākea o nā hoʻolālā e koho mai
  

  ʻO Medigap cons:

  • hiki i nā uku kumukūʻai ke kiʻekiʻe
  • ʻaʻole hoʻokomo ʻia ka uhi lāʻau lāʻau
  • ʻaʻole hoʻokomo ʻia ka niho, ka hihiʻo, a me nā mea hoʻopili ʻē aʻe
  

  Hiki iā ʻoe ke kūʻai aku no nā hoʻolālā Medigap i kou wahi e hoʻohana ana i kahi mea hana ma ka pūnaewele Medicare. E hōʻike kēia mea hana iā ʻoe i nā hoʻolālā i loaʻa i kāu wahi a me kā lākou kumukūʻai. Hiki iā ʻoe ke hoʻohana i kēlā mea hana e hoʻoholo ai inā aia kahi hoʻolālā e kū i kāu mau pono a me kāu kālā.

  No ke kōkua hou aku, hiki iā ʻoe ke kelepona i kāu Polokalamu Kōkua ʻInikua Ola (SHIP) e kiʻi i nā ʻōlelo aʻoaʻo no ke koho ʻana i kahi hoʻolālā i kou mokuʻāina. Hiki iā ʻoe ke kāhea pololei iā Medicare no nā pane i kāu nīnau.

  ʻO ka lawe lawe ʻana

  ʻO Medigap Plan C kahi koho hoʻopihapiha i makemake nui ʻia no ka mea uhi ia i nā kumukūʻai o waho o ka ʻeke e pili ana me Medicare.

  • E hoʻomaka ana ma Ianuali 1, 2020, Hoʻomau ʻia ka Plan C.
  • Hiki iā ʻoe ke mālama iā Plan C inā loaʻa iā ʻoe.
  • Hiki iā ʻoe ke kau inoa ma Plan C inā ua kūpono ʻoe no Medicare a i ʻole ma mua o Kēkēmapa 31, 2019.
  • Ua hoʻoholo ʻo ʻAhaʻōlelo ʻaʻole hiki ke uhi ʻia ka Plan B deductible e nā hoʻolālā Medigap.
  • Hiki iā ʻoe ke kūʻai i nā hoʻolālā like me ka ʻole o ka uhi B deductible.
  • ʻO nā hoʻolālā like me Medigap Plans D, G, a me N.

  Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 20, 2020, e hōʻike i ka ʻike 2021 Medicare.

  

  Hiki i ka ʻikepili ma kēia pūnaewele ke kōkua iā ʻoe i ka hoʻoholo ʻana pilikino e pili ana i ka ʻinikua, akā ʻaʻole ia i manaʻo ʻia e hāʻawi i nā ʻōlelo aʻoaʻo e pili ana i ke kūʻai a hoʻohana ʻana i nā huahana ʻinikua a me nā ʻinikua paha. ʻAʻole lawelawe ʻo Healthline Media i ka ʻoihana ʻinikua i kekahi ʻano a ʻaʻohe laikini ma ke ʻano he ʻinikua a i ʻole mea hana i kēlā me kēia mana o U.S. ʻAʻole koi a kākoʻo ʻo Healthline Media i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.