Hoʻolālā Medigap G: Ke haki ʻana i nā koina 2021

Anter

• Ehia nā kumukūʻai Medicare Hoʻohui Plan G?
• Nā uku uku mahina
• Hoʻolālā
• Copays a me ka coinsurance
• Nā kumu kūʻai o waho o ka ʻeke
• He aha ka uhi G Medicare kumukanawai G?
• He koho maikaʻi loa ʻo Medicare Supplement Plan G inā ʻaʻole hiki iā ʻoe ke kiʻi i ka Plan F?
• ʻO wai e hiki ke kākau inoa i ka Medicare Supplement Plan G?
• Ma hea ʻoe e kūʻai ai i ka Medicare Supplement Plan G?
• Ma hea e loaʻa ai ke kōkua e koho ai i kahi hoʻolālā Medigap
• ʻO ka lawe lawe ʻana

He papahana inikua olakino peku ʻia ʻo Medicare i hana ʻia i nā ʻāpana he nui, e hāʻawi ana kēlā me kēia i nā koho ʻokoʻa:

• Medicare Māhele A (ʻinikua haukapila)
• Medicare Māhele B (ʻinikua olakino)
• ʻO Medicare Māhele C (Medicare Advantage)
• ʻO Medicare ʻĀpana D (kauka lāʻau kuhikuhi)

ʻOiai Medicare e uhi i nā lilo he nui, aia kekahi mau mea i uhi ʻole ʻia. Ma muli o kēia, e pili ana i ka poʻe me Medicare i kekahi ʻano o ka ʻinikua kōkua.

ʻO Medigap kahi inikua kōkua i hiki ke uhi i kekahi mau mea a Medicare ʻaʻole. E pili ana i ka poʻe i kākau inoa ʻia i nā ʻāpana Medicare A a me B i kākau inoa ʻia i loko o kahi kulekele Medigap.

He 10 mau hoʻolālā ʻokoʻa a Medigap, e hāʻawi ana kēlā me kēia ʻano i nā ʻaoʻao kākoʻo. ʻO kekahi o kēia mau hoʻolālā ʻo Plan G.

E heluhelu ma ke kūkākūkā ʻana i nā kumukūʻai e pili ana me Plan G, pehea e hiki ai ke kākau inoa, a me nā mea hou aʻe.

Ehia nā kumukūʻai Medicare Hoʻohui Plan G?

E wāwahi kākou i kekahi o nā kumukūʻai i pili me Plan G.

Nā uku uku mahina

Inā ʻoe e kākau inoa i kahi hoʻolālā Medigap, pono ʻoe e uku i kahi uku no kēlā me kēia mahina. E hoʻohui kēia i kāu uku Medicare Part B o kēlā me kēia mahina.

Ma muli o ke kūʻai aku ʻana o nā ʻoihana ʻinikua pilikino i nā kulekele Medigap, e loli ke ʻano o ka uku mahina. Hiki i nā ʻoihana ke koho e hoʻonohonoho i kā lākou uku nui i nā ʻano like ʻole. ʻO nā ala nui ʻekolu i hoʻonoho lākou i nā uku nui:

• Loipālākiō kaiāulu. Uku kēlā me kēia me ke kulekele i ka uku no kēlā me kēia mahina, me ka nānā ʻole i kona mau makahiki.
• Helu ʻia ka makahiki hoʻopuka. Hoʻonohonoho ʻia nā uku mahina i kou mau makahiki ke kūʻai ʻoe i kāu kulekele. ʻO nā kānaka e kūʻai mai ana i ka wā ʻōpio e loaʻa nā uku haʻahaʻa o ka mahina.
• Loiloi ʻia ka makahiki i hiki. Hoʻonohonoho ʻia nā uku mahina i kāu makahiki o kēia manawa. Ma muli o kēia, e hoʻonui kāu uku i kou wā ʻelemakule.

Hoʻolālā

ʻOiai ʻo Plan G e uhi i ka Medicare Part A i unuhi ʻia, ʻaʻole ia e uhi i ka Medicare Part B i unuhi ʻia.

ʻAʻohe o kā lākou mau deductible i nā kulekele Medigap. Hiki i kēia ke ʻokoʻa no Plan G. Ma waho o ka Plan G maʻamau (me ka unuhi ʻole ʻia), hiki ke loaʻa kahi koho hoʻoliʻiliʻi kiʻekiʻe.

ʻO ka hoʻolālā G hiki ke hoʻemi ʻia kiʻekiʻe kiʻekiʻe pinepine ʻia nā uku haʻahaʻa o ka mahina. Eia nō naʻe, pono ʻoe e uku i kahi hōʻemi o $ 2,370 ma mua o ka hoʻomaka ʻana o kāu kulekele e uku no nā pono. Aia kekahi mea e unuhi hou ʻia i kēlā me kēia makahiki no nā lawelawe kūikawā i hoʻohana ʻia i ka wā huakaʻi haole.

Copays a me ka coinsurance

Mālama ʻo Plan G i nā copay a me nā coinsurance pili i nā ʻaoʻao Medicare A a me B. Inā he kulekele Plan G ʻoe, ʻaʻole ʻoe e kuleana i kēia mau koina.

Nā kumu kūʻai o waho o ka ʻeke

Aia kekahi mau mea a Medigap i uhi ʻole ai, ʻoiai hiki ke hoʻololi i kēia ma o ke kulekele. Ke uhi ʻole ʻia kahi lawelawe, pono ʻoe e uku i ke kumukūʻai ma waho o ka ʻeke.

ʻO kekahi mau laʻana o nā lawelawe i uhi pinepine ʻole ʻia i nā kulekele Medigap:

• mālama wā lōʻihi
• kahua niho
• ʻike maka, me nā maka aniani
• mea kōkua lohe
• mālama kahu hānai pilikino

ʻAʻole like me kekahi o nā hoʻolālā Medigap ʻē aʻe, ʻaʻohe palena o waho o ka pocket i ka Plan G.

E nānā i ʻekolu mau kūlanakauhale laʻana e nānā i nā kumukūʻai Plan G ma 2021:

He aha ka uhi G Medicare kumukanawai G?

ʻO Medigap Plan G kahi hoʻolālā komo loa. Uhi ʻia i ka 100 pākēneka o nā lilo aʻe:

• Mahele Medicare A lawe ʻia
• ʻO Medicare ʻĀpana A coinsurance
• ʻO Medicare Part A nā kumukūʻai o ka haukapila
• Māhele Medicare He hale mālama waiwai hoʻokipa a copay paha
• mākaukau kahu pono hale mālama hānai
• ke koko (ʻekolu mau piina)
• ʻO Medicare ʻĀpana B coinsurance a copay paha
• nā koina i ʻoi aku me ka Medicare Part B

Hoʻohui ʻia, uhi ʻo Plan G i ka 80 pakeneka o nā lawelawe olakino i hāʻawi ʻia i ka wā huakaʻi haole.

Hoʻonohonoho ʻia nā hoʻolālā Medigap, ʻo ia hoʻi pono e hāʻawi kēlā me kēia ʻoihana i ka laulā kumu like. Ke kūʻai nei ʻoe i kahi kulekele Plan G, pono ʻoe e loaʻa nā pono āpau i helu ʻia ma luna me ka nānā ʻole i ka ʻoihana āu e kūʻai mai ai.

He koho maikaʻi loa ʻo Medicare Supplement Plan G inā ʻaʻole hiki iā ʻoe ke kiʻi i ka Plan F?

ʻO ka Plan F ka mea i hui pū ʻia me nā hoʻolālā Medigap ʻokoʻa. Eia naʻe, ʻo wai ka mea hiki ke kākau inoa ua loli e hoʻomaka ana i ka 2020.

ʻO kēia mau hoʻololi no ka mea kūʻai aku ʻo Medigap i nā mea hou i Medicare ʻaʻole hiki ke uhi hou i ka Medicare Part B i unuhi ʻia, a ua hoʻokomo ʻia i ka Plan F.

ʻO ka poʻe i loaʻa i ka Plan F a i ʻole he mea hou i Medicare ma mua o Ianuali 1, 2020 hiki paha ke loaʻa kahi kulekele Plan F.

He koho maikaʻi paha ʻo Plan G inā he mea hou ʻoe i Medicare a ʻaʻole hiki ke kākau inoa i ka Plan F. ʻO ka ʻokoʻa wale nō o ka uhi ma waena o nā mea ʻelua ʻaʻole ʻo Plan G e uhi i ka Medicare Part B i unuhi ʻia.

ʻO wai e hiki ke kākau inoa i ka Medicare Supplement Plan G?

Hiki iā ʻoe ke kūʻai i kahi kulekele Medigap i ka manawa o Medigap wehe inoa inoa. He 6 mahina kēia e hoʻomaka ai i ka mahina ʻo ʻoe i ke 65 o kou mau makahiki a ʻoi a ua ʻae ʻoe i Medicare Part B.

ʻO nā alakaʻi ʻē aʻe e pili pū ana me Medigap:

• Uhi wale nā ​​kulekele Medigap i hoʻokahi kanaka, no laila pono i kāu wahine e kūʻai i kā lākou kulekele ponoʻī.
• ʻAʻole koi ke kānāwai Pekelala i nā hui e kūʻai aku i nā kulekele Medigap i ka poʻe ma lalo o ka makahiki 65. Inā ʻoe ma lalo o 65 a hiki ke koho ʻia no Medicare, ʻaʻole paha hiki iā ʻoe ke kūʻai i ke kulekele Medigap āu e makemake ai.
• ʻAʻole hiki iā ʻoe ke loaʻa i kahi kulekele Medigap a me kahi kulekele Medicare Part C (Medicare Advantage). Inā makemake ʻoe e kūʻai i kahi kulekele Medigap, pono ʻoe e hoʻi hou i Medicare kumu (ʻāpana A a me B).
• ʻAʻole hiki i nā kulekele Medigap ke uhi i nā lāʻau i kuhikuhi ʻia. Inā makemake ʻoe i ka uhi lāʻau lāʻau, pono ʻoe e kākau inoa i kahi papahana Medicare Part D.

Hōʻoia ʻia nā kulekele Medigap e hoʻohou hou ʻia, me ka nānā ʻole inā loaʻa iā ʻoe nā pilikia olakino. ʻO kēia ʻaʻole hiki i kāu kulekele ke hoʻopau ʻia ke hoʻomau ʻoe i ke kākau inoa ʻana a uku i kāu uku uku.

Ma hea ʻoe e kūʻai ai i ka Medicare Supplement Plan G?

Kūʻai nā hui ʻinikua pilikino i nā kulekele Medigap. Hiki iā ʻoe ke hoʻohana i ka mea hana huli a Medicare e ʻike ai i nā hoʻolālā e hāʻawi ʻia i kāu wahi.

Pono ʻoe e hoʻokomo i kāu code ZIP a koho i kāu kalana e ʻike i nā hoʻolālā i loaʻa. E helu ʻia kēlā me kēia hoʻolālā me kahi pae uku nui o kēlā me kēia mahina, nā kumukūʻai hiki ke loaʻa, a he aha ka mea i uhi ʻole ʻia.

Hiki iā ʻoe ke nānā i nā ʻoihana e hāʻawi nei i kēlā me kēia hoʻolālā a pehea lākou e hoʻonohonoho ai i kā lākou uku uku mahina. Ma muli o ke kumukūʻai o ke kulekele Medigap hiki ke loli ʻia e ka ʻoihana, he mea nui e hoʻohālikelike i nā kulekele Medigap ma mua o ke koho ʻana i hoʻokahi.

Ma hea e loaʻa ai ke kōkua e koho ai i kahi hoʻolālā Medigap

Hiki iā ʻoe ke hoʻohana i kēia mau kumuwaiwai e kōkua iā ʻoe e koho i kahi hoʻolālā Medigap:

• Mea hana huli online. Hoʻohālikelike i nā hoʻolālā Medigap e hoʻohana nei i ka mea hana ʻimi a Medicare.
• Kāhea pololei iā Medicare. Kāhea iā 800-633-4227 no kekahi nīnau a hopohopo paha e pili ana iā Medicare a i ʻole Medigap.
• Kāhea aku i kāu ʻinikua mokuʻāina. Hiki i nā ʻinikua mokuʻāina ke kōkua iā ʻoe e hāʻawi iā ʻoe i ka ʻike e pili ana i nā hoʻolālā Medigap i kou mokuʻāina.
• Kāhea aku i kāu Polokalamu Kōkua ʻinikua olakino moku'āina (SHIP). Kōkua nā SHIP i ka hāʻawi ʻana i ka ʻike a me ka ʻōlelo aʻoaʻo i ka poʻe e kākau inoa ana a i ʻole e hana ana i nā hoʻololi i kā lākou uhi ʻana.

ʻO ka lawe lawe ʻana

• ʻO Medigap Plan G kahi hoʻolālā ʻinikua hoʻohui Medicare. Uhi ʻia i nā ʻano kālā like ʻole i uhi ʻole ʻia e nā ʻāpana Medicare A a me B, e like me ka coinsurance, copays, a me kekahi mau deductibles.
• Inā kūʻai ʻoe i kahi kulekele Plan G, e uku ʻoe i kahi uku no kēlā me kēia mahina, hiki ke loli ʻia e ka ʻoihana e hāʻawi nei i ke kulekele. He mea hoʻohui kēia i kāu uku Medicare Part B o kēlā me kēia mahina.
• ʻO nā kumu kūʻai ʻē aʻe e pili ana i ka Medicare Part B i unuhi ʻia a me nā pono i uhi ʻole ʻia e Medigap, e like me ka niho a me ka hihiʻo. Inā loaʻa iā ʻoe kahi hoʻolālā G hiki ke hoʻoliʻiliʻi kiʻekiʻe, pono ʻoe e uku i kahi hōʻemi ma mua o ka hoʻomaka ʻana o kāu kulekele e uhi i nā lilo.
• He koho maikaʻi paha ʻo Plan G inā ʻaʻole ʻoe e ʻae ʻia e kūʻai iā Plan F. ʻO ka ʻokoʻa wale nō ma waena o nā hoʻolālā ʻelua ʻaʻole ʻo Plan G e uhi i ka Medicare Part B i unuhi ʻia.

E heluhelu i kēia ʻatikala ma ka Paniolo

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 16, 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.