Koj Yuav Tau Them Dab Tsi Ntxiv nrog Medicare Pab Txhawb Ntxiv M?

Zoo Siab

• Yam twg duav tau them nyob rau hauv Medicare Supplement Plan M?
• Dab tsi tsis duav txog nyob rau hauv Medicare Supplement Plan M?
• Daim ntawv yuav tshuaj
• Cov txiaj ntsig ntxiv
• Txoj kev pab them nqi kho mob Medicare ua haujlwm li cas?
• Xaiv
• Txheej Txheem
• Kev Muaj Cai Tau Txais
• Them rau koj tus txij nkawm
• Kev Them Nyiaj
• Cov nqa mus

Medicare Supplement (Medigap) Phiaj xwm M tau tsim kho los muab tus nqi them txhua hli tsawg, uas yog tus nqi koj them rau daim phiaj xwm. Txoj kev sib pauv, koj yuav tsum tau them ib nrab ntawm koj Ib Feem Tsev Kho Mob them ua ke.

Phiaj xwm Mistigap M yog ib qho ntawm cov nyiaj tau tsim los ntawm Medicare Modernization Act, uas tau kos npe rau hauv tsab cai lij choj xyoo 2003. Plan M tau tsim los rau cov neeg uas nyiam sib koom them tus nqi thiab tsis xav tias yuav tsum tau mus ntsib tsev kho mob ntau.

Nyeem rau kom paub txog dab tsi duav tau thiab tsis duav nyob rau hauv Medicare Supplement Plan M.

Yam twg duav tau them nyob rau hauv Medicare Supplement Plan M?

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

* Nws yog ib qho tseem ceeb kom paub tias thaum Lub Hom Phiaj N them 100% ntawm koj qhov B Bajaj them nyiaj, koj yuav muaj feem them nyiaj txog li $ 20 rau qee yam kev mus ntsib kws kho mob thiab txog $ 50 rau tus nqi mus ntsib chav khomob xwm txheej ceev uas tsis ua rau mob nkag.

Dab tsi tsis duav txog nyob rau hauv Medicare Supplement Plan M?

Cov txiaj ntsig nram qab no yog tsis duav hauv Txoj Kev Npaj M:

• Ntu B txiav tawm
• Tshooj B tsub dhau tsub

Yog tias koj tus kws kho mob tsub tus nqi siab dua tus nqi Medicare tau teev tseg, qhov no hu ua Part B kom them ntxiv. Nrog Medigap Txoj Kev Npaj M, koj yuav tsum them tus nqi no feem B kom them ntau ntxiv.

Ntxiv nrog rau qhov kev zam no, muaj ob peb lwm yam uas tsis duav los ntawm ib qho kev npaj Medigap. Peb yuav piav qhia cov tom ntej no.

Daim ntawv yuav tshuaj

Medigap tsis tso cai muab kev pab them cov tshuaj sab nrauv.

Thaum koj muaj Medicare thawj (Tshooj A thiab Tshooj B), koj tuaj yeem yuav Medicare Part D los ntawm cov tuam txhab muag kev pov hwm ntiag tug. Tshooj D yog ib qho ntxiv rau ntawm Medicare thawj qhov uas muaj kev pab them tshuaj.

Cov txiaj ntsig ntxiv

Cov kev npaj khomob Medigap kuj tsis them rau kev kuaj qhov muag, kho hniav lossis kho pob ntseg. Yog tias qhov kev pab them nqi ntawd tseem ceeb rau koj, koj yuav tsum xav txog Medicare Advantage (Tshooj C), vim tias cov phiaj xwm no feem ntau suav nrog cov txiaj ntsig zoo no.

Tib yam li Medicare Tshooj D, koj yuav Medicare Advantage txoj kev pab them nqi los ntawm tuam txhab tuav pov hwm ntiag tug.

Nws yog ib qho tseem ceeb kom koj paub tias koj tsis tuaj yeem muaj ob qho Medigap phiaj xwm thiab Medicare Advantage txoj kev pab tib lub sijhawm. Koj tsuas xaiv tau ib qho los yog lwm qhov.

Txoj kev pab them nqi kho mob Medicare ua haujlwm li cas?

Medigap cov cai yog cov qauv phiaj xwm muaj los ntawm cov tuam txhab kev pov hwm. Lawv pab them cov nqi seem ntawm Medicare Tshooj A (ntawv fajseeb khomob hauv tsev khomob) thiab Tshooj B (ntawv khomob).

Xaiv

Hauv cov xeev feem ntau, koj tuaj yeem xaiv los ntawm 10 qhov sib txawv hauv hom phiaj qauv hauv Medigap (A, B, C, D, F, G, K, L, M, thiab N). Txhua daim phiaj muaj cov nqi them sib txawv thiab muaj cov qauv sib txawv. Qhov no ua rau koj hloov tau qhov koj xaiv tau raws li koj cov peev nyiaj thiab kev noj qab haus huv uas koj xav tau.

Txheej Txheem

Yog tias koj nyob hauv Massachusetts, Minnesota, lossis Wisconsin, Medigap cov cai - suav nrog kev pab them nqi los ntawm Medigap Plan M - tau ua tus qauv txawv dua lwm lub xeev thiab yuav muaj ntau lub npe.

Kev Muaj Cai Tau Txais

Koj yuav tsum xub nkag rau Medicare qhov tseem ceeb thiaj li tsim nyog tau txais Medicare Plan M lossis lwm qhov Medigap phiaj xwm.

Them rau koj tus txij nkawm

Cov kev npaj khomob Medigap tsuas suav nrog ib tus neeg. Yog tias koj thiab koj tus txij nkawm ob leeg puav leej rau npe hauv Medicare thawj zaug, koj yuav tsum tau txais koj tus kheej txoj cai Medigap.

Hauv qhov no, koj thiab koj tus txij nkawm tuaj yeem xaiv cov phiaj xwm sib txawv. Piv txwv, koj yuav muaj Medigap Plan M thiab koj tus txij nkawm tej zaum yuav tau Medigap Plan C.

Kev Them Nyiaj

Tom qab tau txais kev kho mob pom zoo Medicare ntawm tus nqi Medicare pom zoo:

1. Medicare Tshooj A lossis B yuav them rau feem sib koom nrog tus nqi.
2. Koj txoj cai Medigap yuav them tus nqi koom nrog.
3. Koj yuav tau them koj feem, yog tias muaj.

Piv txwv li, yog tias koj muaj kev mus ntsib tus kws kho mob sab nraud tom qab ua txoj kev kuaj mob thiab koj muaj Medicare Supplement Plan M, koj yuav them rau cov kev mus ntsib ntawd kom txog rau thaum koj tau them qhov kev kho mob Medicare Part B txhua xyoo.

Tom qab koj tau ntsib qhov txiav tawm tau, Medicare them rau 80 feem pua ​​ntawm koj cov neeg mob sab nrauv. Tom qab ntawv, Medicare Pab Txhawb Ntxiv M them rau 20 feem pua ​​ntxiv.

Yog tias koj tus kws phais mob tsis kam lees txais tus nqi Medicare, koj yuav tsum tau them tus nqi, uas yog hu ua Ntu Part.

Koj tuaj yeem tshawb xyuas nrog koj tus kws kho mob ua ntej tau txais kev saib xyuas. Los ntawm txoj cai lij choj, koj tus kws kho mob tsis raug tsub nqi ntau dua 15 feem pua ​​tshaj qhov Medicare tau pom zoo.

Cov nqa mus

Medicare Plan M tuaj yeem pab koj them cov nqi khomob uas tsis suav nrog Medicare thawj (seem A thiab B). Zoo li txhua yam hauv Medigap phiaj xwm, Medicare Supplement Plan M tsis pab them rau cov tshuaj lossis cov txiaj ntsig ntxiv, xws li kho hniav, kho qhov muag, lossis hnov ​​lus.

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.