Yam yuav tau paub dab tsi txog Medicare Ntxiv Phiaj Xwm K Pab Duav K

Zoo Siab

• Medicare Supplement Plan K them nrog dab tsi?
• Vim li cas thiaj yuav Medicare Daim Phiaj Ntxiv Ntxiv K?
• Qhov niaj xyoo tawm ntawm hnab tshos ua haujlwm li cas?
• Yam dab tsi tsis duav los ntawm Medicare Pab Txhawb Ntxiv K
• Cov nqa mus

Medicare Supplement Plan K yog ib qho ntawm 10 qhov sib txawv ntawm Medigap cov phiaj xwm thiab ib qho ntawm ob qho kev npaj Medigap uas muaj kev txwv tsis pub tshaj txhua xyoo.

Cov kev npaj khomob Medigap muaj nyob rau hauv ntau lub xeev pabcuam los pab them qee cov nqi khomob uas tsis them los ntawm Medicare qub (Tshooj A thiab Tshooj B). Yog tias koj nyob hauv Massachusetts, Minnesota, lossis Wisconsin, Medigap cov cai nyias muaj nyias npe txawv sau ntawv.

Yuav kom tsim nyog rau ib qho hom phiaj Medigap, koj yuav tsum muaj npe nyob hauv Medicare qub.

Nrhiav saib dab tsi Medicare Supplement Plan K them, tsis duav, thiab seb nws yuav zoo rau koj.

Medicare Supplement Plan K them nrog dab tsi?

Medicare Supplement Plan K suav nrog kev them nyiaj hauv qab no rau Medicare Tshooj A (ntawv pov hwm hauv tsev kho mob) thiab Medicare Tshooj B (ntawv pov hwm kho mob sab nrauv), thiab qee yam ntxiv.

Nov yog qhov cuam tshuam ntawm cov nqi Medigap Plan K yuav them rau:

• Ntu A Kev pab them nqi kho mob thiab tsev kho mob ntev txog 365 hnub ntxiv tom qab cov txiaj ntsig Medicare siv tag: 100%
• Ntu Ib feem yus them tawm: 50%
• Ntu Kev Kho Mob ntawm lub tsev kho mob 50%
• ntshav (thawj 3 pints): 50%
• cov kws tu saib mob hauv tsev laus: 50%
• Tshooj B qhaib los sis nqi them: 50%
• Tshooj B rho tawm: tsis duav
• Tshooj B nqi tsub ntxiv: tsis duav
• neeg txawv tebchaws mus txawv tebchaws pauv: tsis duav
• txwv tsis pub nqa hnab tshos:

  Vim li cas thiaj yuav Medicare Daim Phiaj Ntxiv Ntxiv K?

  Ib qho ntawm cov yam ntxwv uas ua rau Medicare Pab Txhawb Ntxiv K txawv dua li lwm cov kev xaiv Medigap yog cov xyoo tawm ntawm hnab tshos.

  
  

  Nrog tus thawj Medicare, nws tsis muaj ib qho nqi npaum li cas ntawm koj cov nuj nqis them txhua xyoo. Kev yuav ib qho Phiaj xwm Kho Ntxiv rau Medicare K txwv cov nyiaj uas koj yuav siv rau kev noj qab haus huv nyob rau ib xyoos. Qhov no feem ntau tseem ceeb rau cov neeg uas:

  • muaj cov nqi kho mob siab rau kev kho mob tsis tu ncua, feem ntau vim yog muaj mob mus ntev
  • xav kom zam kev cuam tshuam nyiaj txiag rau qhov xwm txheej mob kim heev uas tsis tau xav txog

  Qhov niaj xyoo tawm ntawm hnab tshos ua haujlwm li cas?

  Thaum koj tau ntsib koj qhov B xyoo txhua xyoo rho tawm thiab koj cov Medigap tawm ntawm hnab tshos ib xyoos txwv, 100% ntawm cov kev pab them rau tas xyoo yog them los ntawm koj txoj kev npaj Medigap.

  Qhov no txhais tau tias koj yuav tsum tsis muaj lwm cov nqi kho mob uas tau them nyiaj nyob hauv lub xyoo, tsuav yog cov kev pab them los ntawm Medicare.

  Lwm txoj kev npaj khomob Medigap uas suav nrog kev siv nyiaj ntau xyoo hauv ib lub xyoos yog Medicare Cov Phiaj Xwm Ntxiv Ntxiv L. Ntawm no yog cov nyiaj tau los sab-rau-hnab tshos rau ob qho kev npaj hauv 2021:

  • Daim Ntawv Qhia Ntxiv Medicare K: $6,220
  • Kev Pab Them Nqi Kho Mob Medicare L: $3,110
  

  Yam dab tsi tsis duav los ntawm Medicare Pab Txhawb Ntxiv K

  Raws li tau hais tas, Plan K tsis duav Tshooj B feem yus them ua ntej, Tshooj B feem ntau tsub, lossis kev pab saib xyuas mob txawv tebchaws.

  
  

  Medigap cov cai feem ntau tsis suav nrog kev kho qhov muag, kho hniav lossis kho pob ntseg. Yog tias koj xav tau hom kev pab no, xav txog Medicare Advantage (Tshooj C) txoj kev npaj khomob.

  Ib qho ntxiv, Medicare cov phiaj xwm kev kho mob tsis pab them cov nqi kho mob sab nrauv. Rau cov kev pab them tshuaj sab nrauv, koj yuav tsum tau muaj Medicare Part D txoj kev npaj them txawv lossis Medicare Advantage txoj kev pab them nqi nrog daim ntawv pov hwm no suav nrog.

  Cov nqa mus

  Kev Pab Them Nqi Kho Mob Medicare Cov Kev Pab K yog ib qho ntawm 10 qhov sib txawv ntawm Medigap npaj los them rau qee cov nqi kho mob seem ntawm qhov kev pab them kho mob Medicare thawj.

  Nrog rau Medicare Cov Phiaj xwm Kho Ntxiv L, nws yog ib qho ntawm ob qho kev pab them nqi kho mob Medigap uas suav nrog ntau npaum li cas koj yuav siv nyiaj rau kev kho mob los ntawm Medicare.

  Medicare Supplement Plan K tsis suav nrog them rau:

  • tshuaj noj
  • kho hniav
  • kev pom kev
  • hnov

  Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 13, 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.