He aha e ʻike ai e pili ana i ka Plan Supplement Medicare K Coverage

Anter

• He aha ka uhi K Medicare Hoʻohui K?
• No ke aha e kūʻai ai i ka Plan Supplement Medicare K?
• Pehea e holo ai ka palena o ka poke makahiki?
• He aha ka mea i uhi ʻole ʻia e ka Medicare Supplement Plan K
• ʻO ka lawe lawe ʻana

ʻO ka Plan Supplement Medicare K kekahi o 10 mau hoʻolālā Medigap ʻokoʻa a ʻo kekahi o nā hoʻolālā Medigap ʻelua i loaʻa ka palena o ka palena o kēlā me kēia makahiki.

Hāʻawi ʻia nā hoʻolālā Medigap ma ka hapanui o nā mokuʻāina e kōkua i ka uku ʻana i kekahi o nā kumukūʻai mālama ola i uhi ʻole ʻia e Medicare kumu (Māhele A a me ʻĀpana B). Inā ʻoe e noho ana ma Massachusetts, Minnesota a i ʻole Wisconsin, aia nā ʻano palapala Medigap i nā inoa leka liʻiliʻi.

I mea e kūpono ai no kēlā me kēia hoʻolālā Medigap, pono ʻoe e kākau inoa ʻia i Medicare kumu.

E ʻike kāua i ka uhi ʻana a Medicare Supplement Plan K, ʻaʻole e uhi, a inā paha he kūpono kūpono paha iā ʻoe.

He aha ka uhi K Medicare Hoʻohui K?

Hoʻopili ʻo Medicare Supplement Plan K i ka ʻaoʻao aʻe no Medicare Part A (ʻinikua haukapila) a me Medicare Part B (ʻinikua olakino maʻi) a me kekahi keu.

Eia ka haki o nā kumukūʻai Medigap Plan K e uhi ʻia:

• ʻO ka ʻāpana kālā A a me nā kumukūʻai o ka haukapila a hiki i kahi 365 mau lā ma hope o ka pau ʻana o nā pono Medicare: 100%
• Hoʻokaʻawale ʻia kahi ʻāpana A: 50%
• Māhele A mālama hānai kālā kālā a i ʻole copayment: 50%
• ke koko (ʻekolu mau kui) 50%
• Mālama kālā mālama mālama hana hānai. 50%
• Māhele B ʻili kālā a i ʻole copayments: 50%
• Unuhi ʻia ka ʻāpana B: ʻaʻole i uhi ʻia
• Nā uku ʻoi aku i ka ʻāpana B: ʻaʻole i uhi ʻia
• kūkaʻi huakaʻi haole: ʻaʻole i uhi ʻia
• palena o waho o ka ʻeke:

  No ke aha e kūʻai ai i ka Plan Supplement Medicare K?

  ʻO kekahi o nā hiʻohiʻona e hoʻohālikelike i ka Plan Supplement Medicare K mai ka hapanui o nā koho Medigap ʻē aʻe ka palena makahiki ma waho o ka ʻeke.

  
  

  Me Medicare kumu, ʻaʻohe pāpale i kāu kumukūʻai makahiki-waho-ʻeke. Ke kūʻai nei i kahi Kālā Hoʻohui Medicare K palena i ka nui o ke kālā āu e lilo ai i ke olakino olakino i loko o hoʻokahi makahiki. He mea nui kēia no ka poʻe:

  • loaʻa nā kumukūʻai kiʻekiʻe no ka mālama olakino hoʻomau pinepine, ma muli o ke ʻano olakino olakino
  • makemake e hōʻalo i ka hopena kālā i ka hihia o kahi ulia pōpilikia i manaʻo nui ʻole ʻia

  Pehea e holo ai ka palena o ka poke makahiki?

  I kou hui ʻana i kāu Māhele B hōʻemi makahiki a me kou palena Medigap waho-ʻeke o ka palena makahiki, 100% o nā lawelawe uhi āpau no ke koena o ka makahiki e uku ʻia e kāu hoʻolālā Medigap.

  ʻO ke kumu kēia ʻaʻohe ou kumu kūʻai lapaʻau ʻē aʻe i waho o ka ʻeke no ka makahiki, ke uhi ʻia nā lawelawe e Medicare.

  ʻO ka hoʻolālā Medigap ʻē aʻe e hoʻopili ana i ka palena o ka pocket o kēlā me kēia makahiki ʻo Medicare Hoʻohui Plan L. Eia nā helu palena palena o waho o ka ʻeke no nā hoʻolālā ʻelua ma 2021:

  • Hoʻolālā Hoʻohui Medicare K: $6,220
  • Hoʻolālā Hoʻolaha Medicare L: $3,110
  

  He aha ka mea i uhi ʻole ʻia e ka Medicare Supplement Plan K

  E like me ka mea i ʻōlelo ʻia ma mua, ʻaʻole uhi ʻo Plan K i ka ʻāpana B i hōʻemi ʻia, ʻāpana ʻoi aku ka nui o ka uku B, a i ʻole nā ​​lawelawe mālama ola huakaʻi haole.

  
  

  ʻAʻole uhi nā kulekele Medigap i ka hihiʻo, nā niho, a i ʻole nā ​​lawelawe hoʻolohe ʻana. Inā makemake ʻoe i kēia ʻano uhi, e noʻonoʻo i kahi hoʻolālā Medicare Advantage (ʻĀpana C).

  Hoʻohui ʻia, ʻaʻole uhi nā hoʻolālā hoʻōla Medicare i nā lāʻau lapaʻau i kūʻai ʻia mai i waho. No ka uhi lāʻau lāʻau i waho, pono ʻoe i kahi hoʻolālā Medicare Part D ʻokoʻa a i ʻole Medicare Advantage plan me kēia uhi i hoʻopili ʻia.

  ʻO ka lawe lawe ʻana

  Hoʻolālā Kākoʻo Medicare K he 10 o nā hoʻolālā Medigap ʻokoʻa e uku no kekahi mau koina mālama ola i koe mai ka uhi Medicare kumu.

  Me ka Plan Supplement Medicare L, ʻo ia kekahi o nā hoʻolālā Medigap ʻelua e hoʻopili ana i kahi pāpale no ka nui o kāu e lilo ai i nā mālama Medicare i ʻae ʻia.

  ʻAʻole hoʻokomo ka Plan Supplement Medicare K i ka uhi ʻana no:

  • lāʻau lapaʻau
  • kahua niho
  • hihio
  • ka hoʻolohe ʻana

  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.