Hoʻolālā Medigap F: He aha ke kumukūʻai a me ka uhi o kēia Medicare?

Anter

• He aha ka Medigap Plan F?
• Ehia nā kumukūʻai Medigap Plan F?
• ʻO wai ka mea hiki ke kākau inoa ma Medigap Plan F?
• He aha ka uhi a Medigap Plan F?
• Nā koho ʻē aʻe inā ʻaʻole hiki iā ʻoe ke kākau inoa i ka Medigap Plan F.
• ʻO ka lawe lawe ʻana

Ke kau inoa ʻoe i Medicare, hiki iā ʻoe ke koho i nā "ʻāpana" o Medicare e uhi ʻia iā ʻoe. ʻO nā koho Medicare ʻokoʻa e uhi i kāu pono olakino pono e hoʻopili ʻia me ka ʻāpana A, ʻāpana B, ʻāpana C, a me ka ʻāpana D.

Aia kekahi mau mea hoʻohui Medicare (Medigap) hoʻolālā hoʻohui i hiki ke hāʻawi i ka uhi hou aʻe a kōkua me nā lilo. ʻO Medigap Plan F kahi kulekele Medigap i hoʻohui ʻia i kāu papahana Medicare e kōkua ai i ka uhi ʻana i kāu koina ʻinikua olakino.

Ma kēia ʻatikala, e ʻimi mākou i ke ʻano o ka Medigap Plan F, pehea ke kumukūʻai, nā mea e uhi ai, a me nā mea hou aʻe.

He aha ka Medigap Plan F?

Hāʻawi ʻia ʻo Medigap e nā ʻoihana inikua pilikino ma ke ʻano he mea hoʻohui i kāu papahana Medicare kumu. ʻO ke kumu o ka loaʻa ʻana o kahi hoʻolālā Medigap e kōkua i ka uhi ʻana i kāu kumukūʻai Medicare, e like me nā deductibles, copayments, a me ka coinsurance. Aia he 10 mau hoʻolālā Medigap i hiki i nā ʻoihana ʻinikua ke hāʻawi, e like me A, B, C, D, F, G, K, L, M, a me N.

ʻO Medigap Plan F, i kekahi manawa i kapa ʻia ʻo Medicare Supplement Plan F, ʻo ia ka papahana Medigap nui loa i hāʻawi ʻia. Uhi ka ʻaneʻane i kāu Medicare Part A a me ka Māhele B mau koina i mea ʻaiʻē nui ʻoe i ke kālā no ka lawelawe olakino.

He koho maikaʻi paha ʻo Medigap Plan F inā ʻoe:

• koi i ka mālama olakino pinepine a kipa pinepine i ke kauka
• koi i ke kōkua kālā me ka mālama hānai a i ʻole ka mālama hale hānai
• hele pinepine i waho o ka ʻāina akā ʻaʻohe ʻinikua olakino o ka mea hele

Ehia nā kumukūʻai Medigap Plan F?

Inā ʻoe i kākau inoa ʻia i Medigap Plan F, kuleana ʻoe no nā kumukūʻai aʻe:

• Uku uku mahina. Loaʻa i kēlā me kēia hoʻolālā Medigap kāna uku ponoi o kēlā me kēia mahina. E loli kēia kumukūʻai ma muli o ka hoʻolālā āu e koho ai a me ka ʻoihana āu e kūʻai ai i kāu hoʻolālā.
• Lawe ʻia ka makahiki. ʻOiai ʻo Medigap Plan F pono ʻole kahi makahiki i hoʻoliʻiliʻi ʻia, hana nā Medicare Part A a me ka ʻĀpana B. Eia nō naʻe, ʻokoʻa i kekahi o nā koho ʻē aʻe i hāʻawi ʻia, uhi ʻo Medigap Plan F i ka 100 pākēneka o nā Māhele A a me nā ʻĀpana B i unuhi ʻia.
• Copayments a me ka coinsurance. Me Medigap Plan F, uhi āpau ʻia kāu mau ʻāpana A a me ʻāpana B a me ka puʻukana kālā ʻana, a laila ua aneane he $ 0 nā koina mai loko mai o ka ʻeke no nā lawelawe lapaʻau a i ʻole ka haukapila.

Hoʻolālā pū ʻo Medigap Plan F i kahi koho hoʻokiʻoki kiʻekiʻe i loaʻa i nā wahi he nui. Me kēia hoʻolālā, e ʻaiʻē ʻoe i ka makahiki 2,370 e hōʻemi ʻia ai ma mua o ka uku ʻana o Medigap, akā ʻoi aku ka liʻiliʻi o ka uku o nā uku mahina. ʻO kahi Plan Medigap F deductible kiʻekiʻe he koho maikaʻi loa ia no ka poʻe makemake e uku i ka uku uku mahina haʻahaʻa loa no kēia uhi.

Eia kekahi mau laʻana o nā uku Medigap Plan F ma nā kūlanakauhale like ʻole o ka ʻāina.

ʻO wai ka mea hiki ke kākau inoa ma Medigap Plan F?

Inā loaʻa iā ʻoe kahi Medicare Advantage, noʻonoʻo paha ʻoe e hoʻololi i ka Medicare kumu me kahi kulekele Medigap.Ma mua, hiki i ka mea i kākau inoa ʻia i Medicare kumu kūʻai ke Medigap Plan F. Eia naʻe, ke hoʻopau ʻia nei kēia hoʻolālā. Ma Ianuali 1, 2020, loaʻa wale ka Medigap Plan F i ka poʻe i kūpono no Medicare ma mua o 2020.

Inā ua kākau inoa ʻia ʻoe i ka Medigap Plan F, hiki iā ʻoe ke mālama i ka hoʻolālā a me nā pono. Eia kekahi, inā ua kūpono ʻoe no Medicare ma mua o Ianuali 1, 2020, akā ua hala ʻoe i ke kākau inoa ʻana, hiki paha iā ʻoe ke koho e kūʻai i ka Medigap Plan F.

Inā ʻoe e hoʻolālā ana e kākau inoa i Medigap, aia kekahi mau manawa kau inoa e pono ai ʻoe e noʻonoʻo:

• Hoʻokomo inoa Medigap holo i 6 mau mahina mai ka mahina e piha iā ʻoe i 65 mau makahiki a kau inoa i ka Medicare Part B.
• Hoʻokomo inoa kūikawā Medigap no ka poʻe i hiki ke kūpono no Medicare a me Medigap ma mua o ka huli ʻana i ka makahiki 65, e like me nā mea me ka maʻi hōʻeha pae hope loa (ESRD) a i ʻole nā ​​kūlana mua e kū nei.

He mea nui e hoʻomaopopo i ka wā o ke kau inoa ʻana o Medigap, ʻaʻole hiki iā ʻoe ke hōʻole ʻia i kahi kulekele Medigap no nā kūlana olakino mua. Eia nō naʻe, ma waho o ka manawa kākau inoa hāmama, hiki i nā ʻoihana inikua ke hōʻole iā ʻoe i kahi kulekele Medigap ma muli o kou olakino, ʻoiai inā kūpono ʻoe i hoʻokahi.

No laila, no kou pono e kākau inoa i ka Medicare Supplement Plan F i ka wā e hiki ai inā ʻoe e ʻae.

He aha ka uhi a Medigap Plan F?

ʻO ka Medigap Plan F ka laulā o nā mōhai hoʻolālā Medigap, no ka mea, uhi ia i ka nui o nā koina e pili ana i nā ʻaoʻao Medicare A a me B.

Hoʻonohonoho ʻia nā hoʻolālā Medigap āpau, ʻo ia hoʻi he like ka uhi ʻana mai kahi mokuʻāina a kahi mokuʻāina (me nā ʻokoʻa o Massachusetts, Minnesota, a me Wisconsin).

Eia ka mea a Medigap Plan F e uhi ai:

• Mahele A kālā a me nā kumukūʻai o ka haukapila
• Māhele A hale mālama mālama kālā coinsurance a copayments
• Māhele A mālama kālā hale mālama mālama kālā
• Lawe ʻia kahi ʻāpana A
• Māhele B ʻili kālā a i ʻole nā ​​copayment
• Unuhi ʻia ka ʻāpana B
• ʻO nā uku ʻoi aʻe ka ʻāpana B
• Hoʻohui koko (a i 3 pints)
• 80 pakeneka o nā koina huakaʻi haole

ʻAʻohe palena o waho o ka ʻeke me Medigap Plan F, a ʻaʻole ia e uhi i kekahi o kāu Medicare Part A a me ʻApana B mau uku nui o ka mahina.

E like me ka mea i ʻōlelo ʻia ma luna, ua kaulike ʻia nā hoʻolālā Medigap a pau e ke kānāwai - koe wale nō inā ʻoe e noho ana ma Massachusetts, Minnesota, a me Wisconsin. I kēia mau mokuʻāina, hoʻohālikelike ʻia nā kulekele Medigap i mea ʻokoʻa, no laila ʻaʻole paha ʻoe e hāʻawi ʻia i ka uhi like me Medigap Plan F.

Nā koho ʻē aʻe inā ʻaʻole hiki iā ʻoe ke kākau inoa i ka Medigap Plan F.

Inā ua uhi ʻia ʻoe e Medigap Plan F a i ʻole ua koho ofr Medicare ma mua o Ianuali 1, 2020, hiki iā ʻoe ke mālama a kūʻai i kēia hoʻolālā. Inā ʻaʻole, e noʻonoʻo paha ʻoe i nā mōhai hoʻolālā ʻē aʻe, ʻoiai ʻaʻole hāʻawi ʻia ʻo Medigap Plan F i nā mea kōkua Medicare hou.

Eia kekahi mau koho plan Medigap e noʻonoʻo ai inā ʻaʻole ʻoe e koho inoa inoa i ka Plan F:

• 

  Ke mākaukau ʻoe e kākau inoa, hiki iā ʻoe ke kipa iā Medicare.gov e ʻike i kahi kulekele Medigap e loaʻa kokoke ana iā ʻoe.

  ʻO ka lawe lawe ʻana

  ʻO Medigap Plan F kahi hoʻolālā Medigap ākea e kōkua i ka uhi ʻana i kāu Medicare Part A a me Part B deductibles, copayments, a me coinsurance. Maikaʻi loa ka Plan F Medigap no nā mea loaʻa kālā loaʻa haʻahaʻa e koi ana i ka mālama olakino pinepine ʻana, a i ʻole no ka poʻe e ʻimi ana e uku ma kahi liʻiliʻi i loaʻa no nā lawelawe lapaʻau.

  Ma muli o ka hāʻawi ʻole ʻia ʻana o ka Medigap Plan F i nā inoa hou, hāʻawi ʻo Medigap Plan G i ka like me ka uhi ʻole o ka ʻāpana B i unuhi ʻia.

  Inā mākaukau ʻoe e neʻe i mua a kākau inoa i kahi hoʻolālā Medigap, hiki iā ʻoe ke hoʻohana i ka pūnaewele Medicare.gov e ʻimi ai i nā kulekele kokoke iā ʻoe.

  Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 13, 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.