He aha ka uhi e loaʻa ai iā ʻoe me ka Plan Supplement Medicare M?

Anter

• He aha ka mea i uhi ʻia ma lalo o ka Medicare Supplement Plan M?
• He aha ka mea i uhi ʻole ʻia ma lalo o ka Medicare Supplement Plan M?
• Nā lāʻau lapaʻau
• Nā keu keu
• Pehea e holo ai ka hoʻopili ʻana o Medicare?
• Nā koho
• Hoʻohālikelike
• Ke kūpono
• ʻO ka uhi no kāu wahine
• Uku
• ʻO ka lawe lawe ʻana

Hoʻomohala ʻia ʻo Medicare Supplement (Medigap) Plan M e hāʻawi ai i kahi uku no ka mahina haʻahaʻa, ʻo ia ka nui āu e uku ai no ka hoʻolālā. I ka hoʻololi ʻana, pono ʻoe e uku i ka hapalua o kāu haukapila Māhele A.

ʻO Medigap Plan M kekahi o nā mōhai i hana ʻia e ka Medicare Modernization Act, i kau inoa ʻia i kānāwai i ka makahiki 2003. Ua hoʻolālā ʻia ka Plan M no ka poʻe ʻoluʻolu i ka mahele like ʻana me ka uku a ʻaʻole lākou e manaʻo e kipa pinepine i ka haukapila.

E heluhelu e aʻo ai i ka mea i uhi ʻia a uhi ʻole ʻia ma lalo o ka Medicare Supplement Plan M.

He aha ka mea i uhi ʻia ma lalo o ka Medicare Supplement Plan M?

Hoʻopili ʻo Medicare Supplement Plan M i kēia mau mea:

* He mea nui e ʻike ʻoiai ʻo Plan N e uku nei i ka 100% o kāu ʻāpana kālā B, e loaʻa iā ʻoe kahi kope o $ 20 no kekahi mau kipa keʻena a hiki i kahi $ 50 kope no nā kipa lumi pilikia ʻaʻole e hopena i ka ʻae ʻana i ka poʻe maʻi.

He aha ka mea i uhi ʻole ʻia ma lalo o ka Medicare Supplement Plan M?

ʻO nā keu pono aʻe kēia ʻaʻole i uhi ʻia ma lalo o ka hoʻolālā M:

• Unuhi ʻia ka ʻāpana B
• ʻO nā uku ʻoi aʻe ka ʻāpana B

Inā hoʻolimalima kāu kauka i ka uku ma luna o ka uku Medicare i hāʻawi ʻia, ua kapa ʻia kēia he ʻāpana B ʻoi aku ka nui o ka uku. Me Medigap Plan M, he kuleana ʻoe no ka uku ʻana i kēia mau ʻāpana B i nā koina.

Ma waho aʻe o kēia mau hoʻokoe, aia kekahi mau mea ʻē aʻe ʻaʻole i uhi ʻia e kekahi hoʻolālā Medigap. E wehewehe mākou i kēlā mau mea aʻe.

Nā lāʻau lapaʻau

ʻAʻole ʻae ʻia ʻo Medigap e hāʻawi i ka lāʻau lapaʻau i waho.

Ke loaʻa iā ʻoe ʻo Medicare kumu (ʻāpana A a me ʻāpana B), hiki iā ʻoe ke kūʻai Medicare ʻĀpana D mai kahi ʻoihana inikua pilikino. Māhele D kahi mea hoʻohui i ka Medicare kumu e hāʻawi nei i ka uhi lāʻau lāʻau.

Nā keu keu

ʻAʻole uhi nā hoʻolālā Medigap i ka hihiʻo, niho, a i ʻole ka mālama pepeiao. Inā he mea nui kēlā pale iā ʻoe, makemake paha ʻoe e noʻonoʻo iā Medicare Advantage (ʻĀpana C), ʻoiai ʻo kēia mau hoʻolālā e hoʻopili pinepine nei i ia mau pono.

E like me Medicare Part D, kūʻai ʻoe i kahi hoʻolālā Medicare Advantage mai kahi ʻoihana inikua pilikino.

He mea nui ia e ʻike ʻaʻole hiki iā ʻoe ke loaʻa i kahi hoʻolālā Medigap a me kahi hoʻolālā Medicare Advantage i ka manawa like. Koho ʻoe i hoʻokahi a i ʻole ʻē aʻe.

Pehea e holo ai ka hoʻopili ʻana o Medicare?

Hoʻolālā ʻia nā kulekele Medigap mai nā ʻoihana inikua pilikino. Kōkua lākou i ka uhi ʻana i nā koina i koe mai Medicare Part A (ʻinikua haukapila) a me ka ʻāpana B (ʻinikua olakino).

Nā koho

I ka hapanui o nā mokuʻāina, hiki iā ʻoe ke koho mai waena o 10 mau hoʻolālā Medigap maʻamau (A, B, C, D, F, G, K, L, M, a me N). He uku ʻokoʻa kā kēlā me kēia hoʻolālā a me nā hiʻohiʻona ʻokoʻa i nā koho. Hāʻawi kēia iā ʻoe i ka maʻalahi e koho i kāu uhi e pili ana i kāu waihona kālā a me kāu pono olakino.

Hoʻohālikelike

Inā ʻoe e noho ana ma Massachusetts, Minnesota a i ʻole Wisconsin, nā kulekele Medigap - me ka uhi ʻana i hāʻawi ʻia ma o Medigap Plan M - ua hoʻohālikelike ʻokoʻa ʻia ma mua o nā mokuʻāina ʻē aʻe a he mau inoa ʻokoʻa paha ko lākou.

Ke kūpono

Pono ʻoe e kau inoa mua ʻia i ka Medicare kumu e hiki ai ke koho ʻia no ka Plan Medicare M a i ʻole me kahi hoʻolālā Medigap ʻē aʻe.

ʻO ka uhi no kāu wahine

Uhi wale nā ​​hoʻolālā Medigap i hoʻokahi wale nō kanaka. Inā ʻelua a ʻelua a me kāu kāne i hoʻopaʻa inoa ai i ka Medicare kumu, pono ʻoe i kāu kulekele Medigap ponoʻī.

I kēia hihia, hiki iā ʻoe a me kāu wahine ke koho i nā hoʻolālā ʻokoʻa. ʻO kahi laʻana, loaʻa paha iā ʻoe ʻo Medigap Plan M a loaʻa paha i kāu wahine ʻo Medigap Plan C.

Uku

Ma hope o ka loaʻa ʻana o ka lāʻau i ʻāpono ʻia e Medicare ma ka huina i ʻāpono ʻia e Medicare:

1. E uku ʻo Medicare Part A a i ʻole B i kāna ʻāpana o ke kumukūʻai.
2. E uku kāu kulekele Medigap i kāna ʻāpana o ke kumukūʻai.
3. E uku ʻoe i kāu mahele, inā loaʻa.

ʻO kahi laʻana, inā loaʻa iā ʻoe kahi mau kipa hele aku me ka lāʻau lapaʻau ma hope o ke kaʻina hana a loaʻa iā ʻoe kahi Medicare Hoʻohui Plan M, e uku ʻoe no kēlā mau kipa a hiki i kou uku ʻana i kāu Medicare Part B ma waho lawe maʻi.

Ma hope o kou hālāwai ʻana me ka unuhi ʻia, uku ʻo Medicare no 80 pakeneka o kāu mālama maʻi maʻi maʻi. A laila, uku ʻo Plan Medicare Supplement Plan M i ka 20 pakeneka ʻē aʻe.

Inā ʻaʻole ʻae kāu mea hoʻopuka i nā uku i hāʻawi ʻia iā Medicare, pono ʻoe e uku i ka overage, i ʻike ʻia ʻo ka ʻāpana ʻoi loa o ka ʻāpana B.

Hiki iā ʻoe ke nānā me kāu kauka ma mua o ka mālama ʻana. Ma ke kānāwai, ʻaʻole ʻae ʻia kāu kauka e ʻoi aku ma mua o 15 pākēneka ma luna o ka nui i ʻae ʻia e Medicare.

ʻO ka lawe lawe ʻana

Hiki iā Medicare Plan M ke kōkua iā ʻoe e uku no nā lilo lapaʻau i uhi ʻole ʻia ma lalo o Medicare kumu (nā ʻāpana A a me B). E like me nā hoʻolālā Medigap āpau, Medicare Supplement Plan M ʻaʻole ia e uhi i nā lāʻau i kuhikuhi ʻia a i ʻole nā ​​keu keu, e like me ka niho, ka ʻike, a me 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.