ʻO ka Plan Supplement Medicare N ka Medigap Plan no ʻoe?

Anter

• He aha ka Plan Supplement Medicare N?
• He aha ka mea e hoʻopili ai ʻo Medicare supplement (Medigap) Plan N?
• Nā mea maikaʻi o ka Medigap Plan N
• Nā mea maikaʻi ʻole o Medigap Plan N
• Ua kūpono wau no ka Medigap Plan N?
• Ehia nā kumukūʻai Medicare Hoʻohui Plan N?
• ʻO ka lawe lawe ʻana

Inā kūpono ʻoe no Medicare, hāʻawi kahi hoʻolālā Medicare a i ʻole hoʻolālā "Medigap" i kahi ʻinikua kōkua hōʻoia ʻē aʻe. ʻO ka Medigap Plan N kahi "hoʻolālā" a ʻaʻole ia he "ʻāpana" o Medicare, e like me Part A a me ʻĀpana B, e uhi ana i kāu pono olakino maʻamau.

ʻO ka Medicare Supplement Plan N kahi ʻano o ke kulekele ʻinikua i hiki iā ʻoe ke kūʻai mai e kōkua i ka hoʻohaʻahaʻa ʻana i kāu koina mālama ola. Hiki i kēia mau hoʻolālā ke uhi i nā kumukūʻai e like me nā uku, nā copay, a me nā unuhi.

Hiki ke huikau ke koho ʻana i kahi hoʻolālā Medigap mai ka hāʻawi ʻana o nā hoʻolālā like ʻole i nā pae ʻokoʻa o ka uhi a me nā pono. Ma ka hoʻomaopopo ʻana i kēia mau pōmaikaʻi hiki ke kōkua iā ʻoe e koho i kahi hoʻolālā Medigap kūpono iā ʻoe.

He aha ka Plan Supplement Medicare N?

E like me nā hoʻolālā Medigap ʻeiwa ʻē aʻe, ʻo Plan N kahi ʻano pilikino o ka ʻinikua kōkua Medicare i lawelawe ʻia. Hoʻonohonoho ʻia ia e kōkua iā ʻoe e uhi i nā koina kikoʻī no waho no kāu mālama olakino i uhi ʻole ʻia e Medicare Part A a me Medicare Part B.

Mālama ʻo Plan N i nā mea e like me ka Medicare Part A coinsurance, kahi nui āu e uku ai ma waho o ka ʻeke no nā lawelawe a no ka mālama ʻana i ka haukapila, a me ka Medicare Part B coinsurance no ka mālama maʻi. Inā ʻoe e hoʻolilo i ka nui i kēlā me kēia makahiki ma ka coinsurance a me nā copays, Medicare Hoʻohui Plan N e uku no nona iho uʻi me ka wikiwiki.

Koi ʻia nā kulekele Medigap Plan N e ke kānāwai e hoʻonui ʻia. ʻO ia ka manaʻo inā ʻo ka hui hea ʻoe e kūʻai ai i kahi Plan Medicare supplement N mai, pono ia e hāʻawi i ka uhi like like.

ʻAʻole loaʻa kēlā me kēia hoʻolālā Medigap i kēlā me kēia wahi. ʻAʻole pono ke kūʻai aku ʻia ʻo Plan N i kēlā me kēia mokuʻāina, a hiki i nā ʻoihana ʻinikua e kūʻai aku i nā kulekele hoʻohui Medicare ke koho i kahi e kūʻai aku ai i kā lākou papahana N.

Inā noho ʻoe ma Massachusetts, Minnesota, a me Wisconsin, ʻokoʻa paha ka standardization o nā hoʻolālā Medigap.

He aha ka mea e hoʻopili ai ʻo Medicare supplement (Medigap) Plan N?

Uhi wale ʻo Medigap i nā lawelawe i ʻae ʻia e Medicare. No laila, ʻaʻole ia e uhi i nā mea e like me ka mālama wā lōʻihi, ka hihiʻo, ka niho, nā mea hoʻolohe pepeiao, nā aniani aniani, a me nā kahu hānai pilikino.

Hoʻopili ka lāʻau Medicare Māhele N i ke kumukūʻai o kēia mau mea:

• Mahele Medicare A lawe ʻia
• Māhele ʻo Medicare ʻĀpana kālā a me ka haukapila i 365 mau lā
• ʻO Medicare ʻĀpana kālā B no ka mālama waho ʻana a me nā kaʻina hana
• ʻO Medicare ʻĀpana B copays ma nā keʻena mālama ola
• ke hoʻololi koko (a i nā 3 pints mua)
• mālama hale mālama hale hānai a me ka mākaukau kahu mālama kālā
• 80 pākēneka o nā kumu kūʻai olakino ke hele nei ma waho o ʻAmelika Hui Pū ʻIa

ʻAʻole uhi ka Medicare supplement Plan N i ka unuhi ʻia no Medicare Part B. ʻO kēia no ka hoʻololi ʻana o ke kānāwai Medicare e pāpā ana i nā hoʻolālā Medigap āpau e uhi i ka Medicare Part B i hōʻemi ʻia.

ʻOiai ʻo Medigap Plan N e uhi ana he 100 pākēneka o kāu Plan B coinsurance, kuleana ʻoe no ke kipa kipa ʻana o ke kauka a $ 20 a me nā lumi kipa e kipa aku ai i kahi lumi pilikia o $ 50.

Kūlike ʻo Plan N me nā hoʻolālā F a me G, akā hiki ke emi iki i ka pipiʻi. No kekahi poʻe, ʻo Plan N paha kahi hopena waiwai nui no ka uhi ʻana ʻo Medigap.

Nā mea maikaʻi o ka Medigap Plan N

• ʻOi aku ka uku o nā uku keu mahina ma mua o ka hoʻolālā Medigap F a me G, e hāʻawi nei i ka uhi like
• uhi ʻiʻo loa i kāu Medicare Part A deductible
• uhi ka 80 pākēneka o kāu koina inā ʻoe e pono i ke olakino ke hele nei ma waho o ʻAmelika Hui Pū ʻIa

Nā mea maikaʻi ʻole o Medigap Plan N

• hiki i nā copay o $ 20 ma ke kauka a $ 50 ma ke keʻena pilikia
• ʻaʻole ia e uhi i kāu Medicare Part B i unuhi ʻia, ʻoiai ʻaʻohe papa Medigap hou e hana
• pono paha e uku i nā "ʻoi aku ka nui o nā uku" inā ʻoi aku ka uku o kāu mea mālama ola ma mua o ka uku o Medicare

Ua kūpono wau no ka Medigap Plan N?

Inā kau inoa ʻoe i nā ʻāpana Medicare A a me B, ua kūpono ʻoe e kūʻai i ka Plan N inā loaʻa i kou mokuʻāina. E like me nā hoʻolālā Medigap āpau, pono ʻoe e hoʻokō i nā kūlana a me nā lā palena palena.

Hiki iā ʻoe ke kākau inoa i loko o nā hoʻolālā pākuʻi Medicare, me Plan N, i ka manawa o ke kau inoa mua ke piha iā ʻoe i 65 mau makahiki. Inā kūʻai ʻoe iā Medigap i kēlā manawa, ʻaʻole hiki i kāu mea ʻinikua ke hōʻole e kūʻai aku iā ʻoe i kahi kulekele e pili ana i kāu moʻolelo olakino.

Ma ke kaulike, hiki iā ʻoe ke kūʻai i kahi hoʻolālā pākuʻi Medicare i kēlā me kēia manawa. Ma hope o ka pau ʻana o kāu manawa kau inoa mua, aia kahi manawa e hōʻole ai kahi mea hoʻolako inikua e kūʻai aku iā ʻoe Plan N.

ʻAʻohe uku a hoʻopaʻi paha mai ke aupuni pekelala e pili ana me nā hoʻolālā kōkua Medicare. Eia nō naʻe, inā ʻaʻole lawe kāu kauka iā Medicare, hiki iā ʻoe ke kuleana no nā uku ma luna o ka nui a Medicare e uku ai, ʻoiai inā he kulekele Medigap kāu.

ʻAʻole uhi ʻo Plan N i ka Medicare Part D (nā lāʻau lapaʻau e kuhikuhi ʻia) nā koina.

Ma ke kānāwai, ʻaʻole hiki iā ʻoe ke kūʻai i kahi hoʻolālā Medigap inā loaʻa iā ʻoe Medicare Advantage. Eia nō naʻe, i loko o ka makahiki mua āu e kākau inoa ai i Medicare Advantage, hiki iā ʻoe ke hoʻololi mai Medicare Advantage i Medicare kumu me kahi hoʻolālā Medigap.

Ehia nā kumukūʻai Medicare Hoʻohui Plan N?

Aia kahi uku mahina no nā hoʻolālā pākuʻi Medicare. Hiki ke loli kāu mau kumukūʻai no Plan N ma muli o kahi e noho ai a me ka ʻoihana ʻinikua āu e kūʻai nei i ke kulekele.

No ka loaʻa ʻana o kahi kuhi o ka uku āu e uku ai no ka Plan N i kou wahi, hiki iā ʻoe ke hele i ka mea loaʻa mea hoʻolālā a Medicare a hoʻokomo i kāu code ZIP.

Ke paʻakikī nei ke koho ʻana i kahi hoʻolālā Medigap ʻoiai ʻaʻole hiki iā ʻoe ke noʻonoʻo mua i nā kumukūʻai o kāu olakino i ka wā e hiki mai ana. E noʻonoʻo i nā nīnau aʻe ke nānā ʻoe i nā hoʻolālā kōkua Medicare:

• Kū pinepine ʻoe a ʻoi paha i kāu Medicare Part A i hōʻemi ʻia? ʻO ka nui o ke kumukūʻai o hoʻokahi makahiki o ka uku nui Plan N a ʻoi aku paha ma mua o ka unuhi āu e uku ai.
• Inā hoʻohui ʻoe i nā lilo e like me nā copay, nā kipa ʻana o ka lumi pōpilikia, a me nā kōpili ʻana o ke koko, ehia mau mau kālā āu e maʻa mau ai i ka makahiki? Inā ʻoe e puʻunaue i kēlā helu i ka 12 a ʻoi aku ia ma mua o ka uku o ka malama no ka Plan N, hiki i ka hoʻolālā pākuʻi ke mālama iā ʻoe i kāu kālā.
• Aia ʻoe i kēia manawa i ka manawa kau inoa wehe Medicare i kū i kou wā i piha i ka makahiki 65? ʻO ke kau inoa ʻana no kahi hoʻolālā Medigap i ka manawa o ke kākau inoa hāmama ʻana ʻo ia wale nō kou manawa kūpono e kūʻai ai i ka uhi Medigap ke hiki ʻole ke hoʻohana i kou kūlana olakino a me ka mōʻaukala olakino e hōʻole i kāu noi.

ʻO ka lawe lawe ʻana

ʻO ka Medicare Supplement Plan N kahi papahana Medigap kaulana e uhi ana i ka hapa nui o kāu koina mai waho o ka ʻeke mai Medicare.

E like me kēlā me kēia hoʻolālā pākuʻi Medicare, loaʻa i ka Medigap Plan N nā pōmaikaʻi a me nā maikaʻi ʻole, a e loli nā kumukūʻai ma muli o kahi āu e noho nei.

Inā he mau nīnau kāu e pili ana i kāu koho a makemake paha e aʻo hou aʻe, hiki iā ʻoe ke kelepona i ka laina laina kōkua Medicare manuahi ma 800-MEDICARE (633-4227) a i ʻole kelepona aku i kāu keʻena SHIP kūloko.

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.