Txhua Hais Txog Medicare Supplement Plan M

Zoo Siab

• Qhov Medicare Supplement Plan M them dab tsi?
• Kev sib pab them tus nqi thiab nws ua haujlwm li cas?
• Lwm yam nqi nyiaj hauv hnab tshos
• Kev Them Nyiaj
• Kuv puas muaj cai yuav Medicare Pab Txhawb Ntxiv?
• Kev rau npe rau hauv Medicare Supplement Plan M
• Cov nqa mus

Medicare Supplement Plan M (Medigap Plan M) yog ib qho ntawm cov phiaj xwm kev npaj Medigap tshiab. Txoj kev npaj no yog tsim rau cov neeg uas xav tau them tus nqi qis txhua hli (them tus nqi tsawg) hauv kev pauv hloov rau kev them ib nrab ntawm ntu Ntu Xyoo A (tsev kho mob) uas txiav tawm thiab tag nrho txhua xyoo B (sab nraud) txiav tawm.

Yog tias koj tsis xav tias yuav mus ntsib tsev kho mob ntau zaus thiab xis nyob nrog sib koom them nqi, Medicare Supplement Plan M tej zaum yuav yog qhov kev xaiv zoo rau koj.

Khaws nyeem kom paub ntau ntxiv txog cov kev xaiv no, suav nrog dab tsi npog, leej twg tsim nyog, thiab thaum twg koj tuaj yeem nkag.

Qhov Medicare Supplement Plan M them dab tsi?

Kev Pab Them Nqi Kho Mob Medicare Cov Nyiaj Pab M muaj nrog rau cov hauv qab no:

• 100 feem pua ​​ntawm Ntu A Kev them nqi kho mob thiab tsev kho mob nce txog 365 hnub ntxiv tom qab siv cov nyiaj Medicare
• 50 feem pua ​​ntawm Ntu A txiav tawm
• 100 feem pua ​​ntawm Ntu Kev Kho Mob nyob ntawm tus neeg mob lub tsev laus them lossis them nyiaj ntxiv
• 100 feem pua ​​ntawm cov nqi rau kev hloov ntshav (thawj 3 pints)
• 100 feem pua ​​ntawm cov neeg paub tu neeg mob nyob hauv tsev laus
• 100 feem pua ​​ntawm Tshooj B paib them los yog nqi them them
• 80 feem pua ​​ntawm kev tsim nyog cov nqi kho mob thaum mus txawv tebchaws

Kev sib pab them tus nqi thiab nws ua haujlwm li cas?

Kev sib pab them tus nqi yog feem ntau ntawm cov nyiaj them thiab them los ntawm koj tom qab Medicare thiab koj txoj cai Medigap tau them lawv cov koom.

Ntawm no yog ib qho piv txwv ntawm qhov kev sib pab them tus nqi yuav ua li cas:

Koj muaj tus thawj Medicare (ntu A thiab B) thiab Medigap Plan M txoj cai. Tom qab kev phais mob hip, koj siv sijhawm 2 hmo hauv tsev kho mob thiab tom qab ntawd muaj kev sib ntsib ua ke nrog koj tus kws phais neeg mob.

Medicare Part A yuav them rau koj txoj kev phais mob thiab mus pw hauv tsev kho mob tom qab koj tau them ntawm Seem A txiav tawm tau. Medigap Plan M them ib nrab ntawm qhov txiav tawm thiab koj yuav tsum them ib nrab tawm hauv hnab ris.

Hauv 2021, Medicare Part A mus pw kho mob hauv tuam tsev kho mob yog $ 1,484. Koj qhov Medigap Plan M txoj cai qhia tawm yuav yog $ 742 thiab koj feem yuav yog $ 742.

Medicare soj qab B thiab koj qhov Medigap Plan M. Kev them rov qab taug qab yuav them rau 20% ntawm koj cov kev kho mob sab nrauv thiab koj qhov Medicare Plan M them rau 20%.

Hauv 2021, Medicare Part B uas yus them yus txhua xyoo yog $ 203. Koj yuav yog tus them lub luag haujlwm ntawd.

Lwm yam nqi nyiaj hauv hnab tshos

Ua ntej xaiv ib tus kws kho mob, xyuas seb lawv puas yuav txais cov nqi Medicare uas them rau (tus nqe Medicare yuav pom zoo rau tus txheej txheem thiab kev kho mob).

Yog tias koj tus kws kho mob tsis kam lees txais tus nqi Medicare, koj tuaj yeem nrhiav lwm tus kws kho mob uas yuav lossis nyob nrog koj tus kws kho mob tam sim no. Yog koj xaiv nyob hauv, koj tus kws kho mob tsis raug tsub nqi ntau dua 15 feem pua ​​tshaj tus nqi Medicare uas pom zoo.

Tus nqi los ntawm koj tus kws kho mob tshaj tus nqi Medicare tau teev tseg yog hu ua Part B feem ntau tsub. Nrog Medigap Txoj Kev Npaj M, koj yuav yog tus them lub luag haujlwm B feem ntau tsub tawm hauv hnab tshos ..

Kev Them Nyiaj

Tom qab koj tau txais kev kho mob los ntawm kev pom zoo los ntawm Medicare:

1. Medicare Tshooj A lossis B them tus nqi koom nrog.
2. Koj txoj cai Medigap them tus nqi sib koom.
3. Koj them koj feem ntawm cov nqi (yog tias muaj).

Kuv puas muaj cai yuav Medicare Pab Txhawb Ntxiv?

Yuav kom tsim nyog rau Medicare Supplement Plan M, koj yuav tsum muaj npe nyob rau hauv Medicare Part A thiab Ntu B. Koj yuav tsum nyob hauv qhov chaw uas cov phiaj xwm no muag los ntawm lub tuam txhab muag kev pov hwm. Txhawm rau tshawb xyuas yog tias txoj kev npaj M muaj rau hauv koj qhov chaw nyob, sau koj tus ZIP code hauv Medicare tus Medigap txoj kev npaj nrhiav.

Kev rau npe rau hauv Medicare Supplement Plan M

Koj 6 lub hlis Medigap qhib kev rau npe (OEP) yog lub sijhawm zoo tshaj plaws los mus nkag rau hauv Medigap txoj cai suav nrog Medigap Plan M. Koj Medigap OEP pib lub hli uas koj muaj hnub nyoog 65 lossis laus dua thiab sau npe rau Medicare Tshooj B.

Qhov laj thawj kom rau npe nkag thaum koj OEP yog tias cov tuam txhab tuav pov hwm ntiag tug uas muag Medigap cov cai tsis tuaj yeem tsis lees paub koj thiab yuav tsum tau muab koj tus nqi zoo tshaj plaws, tsis hais koj li kev noj qab haus huv. Yuav muaj tus nqi them zoo tshaj plaws nyob ntawm cov laj thawj, xws li:

• muaj hnub nyoog
• tub los ntxhais
• kev txij nkawm
• koj nyob qhov twg
• seb koj puas yog haus luam yeeb

Kev cuv npe sab nraud koj OEP yuav ua rau muaj kev soj ntsuam mob nkeeg thiab koj qhov raug lees txais yuav tsis lav tas li.

Cov nqa mus

Cov kev pab them nyiaj Medicare (Medigap) pab them rau qee qhov “ncua” ntawm tus nqi kho mob thiab qhov Medicare pab txhawb rau cov nqi ntawd.

Nrog Medigap Plan M, koj them tus nqi tsawg dua tab sis sib koom them tus nqi ntawm koj qhov Medicare Part A (tsev kho mob) qhov yus them yus, Medicare Part B (sab nraud) yus them yus, thiab Feem B tseem tsub nqi ntxiv.

Ua ntej yuav ua rau Medigap Plan M lossis lwm txoj kev npaj Medigap, tshuaj xyuas koj cov kev xav tau nrog tus neeg saib xyuas uas muaj ntawv tso cai tshwj xeeb hauv Medicare cov tshuaj pab koj. Koj kuj tseem tuaj yeem hu rau koj lub xeev Txoj Kev Pab Nyiaj Pov Hwm Kev Nyab Xeeb (SHIP) kev pab dawb kom nkag siab txog cov cai muaj.

Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 19, 2020, kom pom zoo 2021 Cov ntaub ntawv Medicare.

Cov ntaub ntawv ntawm lub vev xaib no tuaj yeem pab koj txiav txim siab tus kheej txog kev tuav pov hwm, tab sis nws tsis yog yuav pab tswv yim txog kev yuav khoom lossis kev siv cov khoom pov hwm lossis kev tuav pov hwm. Healthline Media yuav tsis hloov lag luam ntawm kev tuav pov hwm tsis hais yam twg thiab tsis tau ntawv tso cai raws li cov tuam txhab pov hwm lossis cov neeg tsim khoom hauv ib cheeb tsam ntawm Teb Chaws Asmeskas. Healthline Media tsis tau qhia lossis pom zoo rau ib tog neeg thib peb uas ua lag luam ntawm kev tuav pov hwm.