ʻO nā mea a pau e pili ana i ka Plan Supplement Medicare N Coverage

Anter

• Nā kikoʻī o ka Medicare Supplement Plan N uhi ʻia
• He aha ka mea i uhi ʻole ʻia ma lalo o ka Medicare Supplement Plan N?
• Pehea e hana ai ka uhi Medigap?
• Nā koho
• Hoʻohālikelike
• Uku
• Ke kūpono
• Uhi pale
• Ke kiʻi nei i kahi kulekele Medigap
• Lawe aku

Ua hoʻomohala ʻia ʻo Medicare Supplement Plan N no ka poʻe makemake e uku no kekahi mau copay a me kahi unuhi makahiki liʻiliʻi e loaʻa nā kumukūʻai ʻoi aku ka haʻahaʻa (ka nui āu e uku ai no ka hoʻolālā).

Uhi ʻia ka Plan Supplement Medigap N:

• ʻO ka 20 pakeneka a Medicare ʻĀpana B ʻaʻole.
• Lawe ʻia kāu haukapila.
• ʻO kāu copes hospital a me ka coinsurance.
• 80 pākēneka o nā pōmaikaʻi pōpilikia huakaʻi hele haole.

E hoʻomau i ka heluhelu ʻana e aʻo hou aʻe e pili ana i ka Medicare Supplement Plan N - he aha ka mea e uhi ai a he aha ka hana ʻole - a pehea e kūʻai ai i hoʻokahi.

Nā kikoʻī o ka Medicare Supplement Plan N uhi ʻia

Hoʻolālā ʻo Medicare Supplement Plan N i ka:

• 100 pākēneka o ka ʻāpana kālā A a me nā koina o ka haukapila a hiki i kahi 365 mau lā ma hope o ka pau ʻana o nā pono Medicare.
• 100 pākēneka o ka Māhele A i unuhi ʻia.
• 100 pākēneka o ka Māhele A mālama kālā kālā a me copayment.
• 100 pākēneka o ka mua 3 pints o ke koko.
• 100 pākēneka o ka mākaukau mālama hale mālama mālama kālā.
• 100 pākēneka * o ka Māhele B coinsurance a i ʻole copayment.
• 80 pākēneka o ka hoʻololi huakaʻi haole.

ʻAʻole ia e uhi:

• Unuhi ʻia kāu ʻāpana B.
• ʻO kāu ʻāpana B ʻoi aku ka uku.

* Me ka Plan Supplement Medicare N, 100 pākēneka o ka ʻāpana kālā B i uku ʻia me ka hoʻokoe ʻia o nā copayment a hiki i $ 50 no nā kipa ʻana o ka lumi pōpilikia e hopena ʻole ai i ke komo ʻana i ka poʻe maʻi, a me nā waihona i loaʻa i $ 20 no kekahi keʻena. kipa ʻana.

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

ʻAʻole uhi ʻo Medicare Plan N:

• Nā kauʻōlelo
• Hihio
• Kahua niho
• Lohe ʻana

Inā makemake ʻoe i ka uhi lāʻau lāʻau i waho, hiki iā ʻoe ke kūʻai Medicare Part D.

Inā makemake ʻoe i ka niho, ka hihiʻo, a me ka uhi pepeiao, e noʻonoʻo i kahi Plan Medicare Advantage Plan. Eia naʻe, e ʻoluʻolu ʻaʻole hiki iā ʻoe ke loaʻa i kahi hoʻolālā Medigap a me kahi hoʻolālā Medicare Advantage.

Pehea e hana ai ka uhi Medigap?

Loaʻa nā kulekele Medigap e kōkua e hoʻopihapiha i ke āpau ma waena o nā kumu Medicare i uku ai a me nā mea āu e uku ai no ka lāʻau lapaʻau.

Nā koho

Aia he 10 mau Mīkini Medigap ʻokoʻa (A, B, C, D, F, G, K, L, M, N) nā hiʻohiʻona ʻokoʻa āpau a loaʻa nā uku ʻokoʻa. ʻAe kēia koho iā ʻoe e koho i ka uhi e pili ana i kāu mau pono a me kāu kālā.

Hoʻohālikelike

Hoʻohālikelike ʻia nā hoʻolālā Medigap i ke ala like ma 47 o 50 mau mokuʻāina. Inā ʻoe e noho ana ma Massachusetts, Minnesota a i ʻole Wisconsin, ua kaulike ʻokoʻa nā kulekele Medigap (me Medicare Supplement Plan N).

Uku

Ke loaʻa ʻana i kahi lapaʻau i ʻae ʻia e Medicare:

1. Uku ʻo Medicare i kāna ʻāpana o ka huina i ʻae ʻia e Medicare.
2. Uku kāu kulekele Medigap i kāna ʻāpana.
3. Uku ʻoe i kāu mahele (inā loaʻa).

Ke kūpono

I mea e kūpono ai i kēlā me kēia hoʻolālā Medigap, me Plan Medicare Supplement Plan N, pono ʻoe e loaʻa kahi Medicare Part A (ʻinikua haukapila) a me Medicare Part B (ʻinikua olakino).

Uhi pale

Uhi wale kāu papa Medigap iā ʻoe. Kou wahine, inā kūpono no Medicare, pono e kūʻai i kahi kulekele ʻokoʻa.

Ke kiʻi nei i kahi kulekele Medigap

Ke loaʻa iā ʻoe ka Medicare kumu, hiki iā ʻoe ke kūʻai i kahi kulekele Medigap mai kahi ʻoihana inikua. No ke koho ʻana i kahi hoʻolālā kikoʻī a me kahi ʻoihana ʻinikua, he nui ka poʻe e kūkākūkā me kahi lālā o ka ʻohana hilinaʻi, he hoaaloha me kahi kulekele Medigap o kēia manawa, a i ʻole ʻinikua ʻinikua.

Hiki i nā poʻe ʻē aʻe ke hoʻopili aku iā SHIP (State Health Insurance Program) no kā lākou mokuʻāina no ke alakaʻi. Hiki i kāu SHIP ke hāʻawi i ke kōkua manuahi i ke koho ʻana i kahi kulekele a me kahi alakaʻi hoʻohālikelike helu Medigap.

Loaʻa paha i kāu mokuʻāina ʻoi aku ma mua o hoʻokahi ʻoihana ʻinikua e kūʻai aku ana i nā kulekele Medigap. ʻO ka manawa pinepine, ʻokoʻa ke kumukūʻai o ka uhi like mai kēlā me kēia hui.

Lawe aku

ʻO ka Medicare Supplement Plan N ka uhi ʻana o kekahi o 10 mau koho federally maʻamau e kōkua i ka hoʻopihapiha ʻana i nā "āpau" i ka uhi Medicare kumu. He koho ia no ka poʻe makemake i ka laulā ākea akā, e hoʻohaʻahaʻa i kā lākou uku nui, makemake lākou e uku no kekahi mau copay a me kahi hōʻemi makahiki liʻiliʻi.

E like me nā hoʻolālā Medigap āpau, Medicare Supplement Plan N ʻole ka hoʻopili ʻana i nā lāʻau i kuhikuhi ʻia. Inā makemake ʻoe i ka uhi kuhikuhi e hiki iā ʻoe ke kūʻai Medicare Part D. Medicare Plan N ʻaʻole uhi ka niho, ʻike, a lohe paha.

Inā makemake ʻoe i ka uhi no kēia mau lawelawe, e noʻonoʻo i kahi hoʻolālā Medicare Advantage. Hiki iā ʻoe ke loaʻa i kahi Medicare Advantage plan a i ʻole Medigap Plan; ʻaʻole hiki iā ʻolua.