Txhua Hais Txog Medicare Ntxiv Cov Ntawv Npaj N Pab Them

Zoo Siab

• Cov ntsiab lus ntawm Daim Ntawv Qhia Ntxiv Pab Them N
• Dab tsi tsis duav txog nyob rau hauv Medicare Supplement Plan N?
• Qhov kev pab them nyiaj Medigap ua haujlwm li cas?
• Xaiv
• Txheej Txheem
• Kev Them Nyiaj
• Kev Muaj Cai Tau Txais
• Kev pab them nqi txij nkawm
• Tau txais txoj cai Medigap
• Nqa Nyiaj

Medicare Supplement Plan N tau tsim los rau cov neeg uas txaus siab them rau qee feem pab nrog them me me thiab ib qho me me tau them ib xyoos kom muaj tus nqi qis dua (tus nqi koj them rau daim phiaj xwm).

Kev Pab Them Nqi Noj Tshuaj Medigap N npog:

• Qhov 20 feem pua ​​uas Medicare Tshooj B tsis muaj.
• Koj lub tsev kho mob txiav tawm.
• Koj lub tsev khomob them thiab them nyiaj ntau.
• 80 feem pua ​​neeg txawv tebchaws muaj kev pabcuam thaum muaj xwmtxheej ceev.

Kav tsij nyeem ntxiv kom paub ntau ntxiv txog Medicare Pab Txhawb Ntxiv N - qhov nws npog thiab dab tsi nws tsis yog - thiab yuav yuav ib qho twg.

Cov ntsiab lus ntawm Daim Ntawv Qhia Ntxiv Pab Them N

Kev Pab Them Nqi Kho Mob Medicare Cov Nyiaj Pab N muaj nrog:

• 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.
• 100 feem pua ​​ntawm Ntu A txiav tawm.
• 100 feem pua ​​ntawm Ntu Kev Kho Mob nyob ntawm lub tsev kho mob pab them nqi kho lossis them nyiaj ntxiv.
• 100 feem pua ​​ntawm thawj 3 pints ntshav.
• 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 cov neeg txawv teb chaws tuaj pauv.

Nws tsis them:

• Koj Tshooj B txiav tawm.
• Koj Tshooj B tsub nqi tsub rau.

* Nrog rau Medicare Txoj Kev Pab Them Nyiaj Ntxiv N, 100 feem pua ​​ntawm Tshooj B them nyiaj kom tau kev zam nrog kev them nqi txog $ 50 rau kev mus ntsib chav xwm txheej ceev uas tsis ua rau nkag mus pw, nrog rau cov nqi them txog $ 20 rau qee qhov chaw ua haujlwm mus xyuas.

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

Medicare Plan N tsis duav:

• Tus Qauv Tshuaj Sau
• Lub zeem muag
• Hniav
• Mloog

Yog tias koj xav tau kev pab them tshuaj sab nrauv, koj tuaj yeem yuav Medicare Tshooj D.

Yog tias koj xav tau kev kho hniav, kho qhov muag, thiab kho pob ntseg, xav txog Medicare Advantage Plan. Txawm li cas los xij, thov nco ntsoov tias koj tsis tuaj yeem muaj ob txoj kev npaj Medigap thiab Medicare Advantage txoj kev npaj.

Qhov kev pab them nyiaj Medigap ua haujlwm li cas?

Medigap cov kev cai muaj los pab sau qhov sib txawv nruab nrab ntawm cov Medicare them thawj thiab qhov uas koj them rau kev kho mob.

Xaiv

Muaj 10 qhov sib txawv ntawm Medigap Cov Hom Phiaj (A, B, C, D, F, G, K, L, M, N) uas txhua tus muaj cov kev pab sib txawv thiab muaj cov nqi sib txawv. Qhov kev xaiv no tso cai rau koj xaiv cov kev pov hwm raws li koj cov kev xav tau thiab nyiaj txiag.

Txheej Txheem

Cov phiaj xwm Medigap tau ua qauv zoo ib yam hauv 47 ntawm 50 lub xeev. Yog tias koj nyob hauv Massachusetts, Minnesota, lossis Wisconsin, Medigap cov cai (suav nrog Medicare Cov Nyiaj Pab Them Ntxiv N them) muaj cov qauv sib txawv.

Kev Them Nyiaj

Thaum tau txais kev kho mob los ntawm Medicare:

1. Medicare them nws feem ntawm Medicare tus nqi pom zoo.
2. Koj txoj cai Medigap them rau nws feem.
3. Koj them koj feem (yog tias muaj).

Kev Muaj Cai Tau Txais

Yuav kom tsim nyog rau txhua txoj kev npaj khomob Medigap, suav nrog Medicare Supplement Plan N, koj yuav tsum muaj Medicare Part A (kev fajseeb khomob hauv tsev khomob) thiab Medicare Tshooj B (ntawv fajseeb khomob).

Kev pab them nqi txij nkawm

Koj lub hom phiaj Medigap tsuas duav koj. Koj tus txij nkawm, yog tias tsim nyog rau Medicare, yuav xav tau yuav ib tsab cai txawv.

Tau txais txoj cai Medigap

Thaum koj muaj Medicare thawj zaug, koj tuaj yeem yuav Medigap txoj cai los ntawm lub tuam txhab kev pov hwm. Txhawm rau xaiv hom phiaj tshwj xeeb thiab tuam txhab kev tuav pov hwm, ntau tus neeg sab laj nrog cov neeg koom siab ntseeg, phooj ywg nrog Medigap txoj cai tam sim no, lossis tus neeg sawv cev tuav pov hwm.

Lwm tus kuj hu tau rau lawv lub xeev qhov SHIP (Xeev Qhov Nyiaj Pov Hwm Kev Nyab Xeeb) kom tau kev taw qhia. Koj tus SHIP yuav tsum tuaj yeem muab kev pab pub dawb hauv kev xaiv ib txoj cai tswjfwm thiab phau ntawv qhia qhov sib piv ntawm Medigap tus nqi.

Koj lub xeev feem ntau yuav muaj ntau dua ib lub tuam txhab kev tuav pov hwm uas muag Medigap cov cai. Feem ntau, tus nqi ntawm cov kev pov hwm zoo ib yam txawv ntawm lub tuam txhab rau tuam txhab.

Nqa Nyiaj

Medicare Supplement Plan N kev pab them nyiaj yog ib ntawm 10 qhov qauv raug cai los ntawm tsoomfwv los pab sau “qhov tsis txaus” nyob hauv Medicare kev pab them nqi xub thawj. Nws yog qhov kev xaiv rau cov neeg uas xav tau cov kev pab them nqi dav tab sis, kom txo tus nqi them, lawv txaus siab them rau qee qhov feem yus them thiab feem yus them ua ib xyoos ib zaug.

Zoo li txhua yam hauv Medigap phiaj xwm, Medicare Cov Kev Pab Them Nqi Kho Mob N tsis them rau cov tshuaj noj. Yog tias koj xav tau cov kev pab them nqi tshuaj koj tuaj yeem yuav Medicare Tshooj D. Medicare Plan N kuj tsis them rau cov hniav, kho qhov muag, lossis hnov ​​lus.

Yog tias koj xav tau kev fajseeb khomob rau cov kev pabcuam no, xav txog Medicare Advantage txoj kev npaj khomob. Koj tuaj yeem muaj Medicare Advantage txoj kev npaj lossis Medigap Phiaj Xwm; koj tsis tuaj yeem muaj ob qho tib si.