Daim Ntawv Qhia Ntxiv Medicare Medicare K Cov Lus Qhia

Zoo Siab

• Medicare Supplement Plan K them nrog dab tsi?
• Qhov txiaj ntsig ntawm qhov nyiaj ib xyoos tawm ntawm hnab tshos tau li cas?
• Puas muaj lwm cov phiaj xwm Medigap muaj ib xyoos tawm ntawm hnab tshos?
• Dab tsi yog Medigap?
• Cov nqa mus

Kev tuav pov hwm them kho mob Medicare, lossis Medigap, pab them qee cov nqi khomob uas feem ntau tshuav los ntawm Medicare seem A thiab B.

Medicare Supplement Plan K yog ib ntawm ob qho phiaj xwm Medicare ntxiv uas muaj ib xyoos tsis pub tshaj cov hnab nyiaj.

Khaws nyeem kom paub ntxiv txog txoj kev npaj no, yam duav tau, thiab leej twg yuav tau txais txiaj ntsig los ntawm nws.

Medicare Supplement Plan K them nrog dab tsi?

Feem ntau ntawm Medigap cov cai them rau cov nqi kho mob tom qab koj tau them ib xyoos them tawm. Qee tus kuj them tus nqi txiav tawm.

Kev Pab Them Nqi Kho Mob Medicare Cov Lus Qhia K K suav nrog:

• 100% kev tiv thaiv ntawm Ntu A Kev fajseeb khomob thiab tsev khomob tau them txog 365 hnub ntxiv tomqab Medicare cov nyiaj pab tau siv tas
• 50% kev tiv thaiv ntawm:
  • Ntu Ib qho uas rho tawm
  • Ntu Ib qho ntawm lub tsev kho mob kev saib xyuas kev pab them tus nqi lossis them nyiaj ntxiv
  • ntshav (thawj 3 pints)
  • cov kws tu neeg mob hauv tsev laus
  • Ntu B kev them nyiaj nqi lossis nqi them sib ntxiv
• Tsis suav nrog kev pab them nqi:
  • Ntu B txiav tawm
  • Tshooj B tsub dhau tsub
  • kev lag luam tawm txawv teb chaws

Qhov tawm ntawm hnab ris hauv 2021 yog $ 6,220. Tom qab koj tau raws li koj qhov Xyoo B feem yus them tawm thiab koj cov nyiaj tawm txhua xyoo, 100 feem pua ​​ntawm cov kev pab cuam nyob rau xyoo tag nrho yog them los ntawm Medigap.

Qhov txiaj ntsig ntawm qhov nyiaj ib xyoos tawm ntawm hnab tshos tau li cas?

Nws tsis muaj ib qhov nqi tshaj plaws ntawm koj cov nuj nqis kho mob txhua xyoo nrog Medicare qub. Cov neeg uas yuav ib lub hom phiaj Medigap feem ntau ua li ntawd txhawm rau txhawm rau cov nyiaj kho mob ntau dhau rau ib xyoo.

Qhov no tuaj yeem yog qhov tseem ceeb rau cov neeg uas:

• muaj kev mob nkeeg ntev ntev nrog tus nqi siab rau kev saib xyuas mob mus txuas ntxiv
• xav tau npaj hauv qhov xwm txheej ntawm kev pheej hmoo siab kho mob sai li sai tau

Puas muaj lwm cov phiaj xwm Medigap muaj ib xyoos tawm ntawm hnab tshos?

Medicare Supplement Plan K thiab Phiaj Xwm L yog ob qho kev pab them nqi kho mob Medigap uas muaj cov kev txwv nyob rau ib xyoos.

• Phiaj Xwm K tawm ntawm hnab tshos: $ 6,220 hauv 2021
• Phiaj xwm L-out-of-pocket pocket limit: $ 3,110 hauv 2021

Rau ob qho phiaj xwm, tom qab koj ua tiav koj qhov Tshooj B rho tawm txhua xyoo thiab qhov koj tsis tau muab nyiaj txhua xyoo, 100 feem pua ​​ntawm cov kev pab cuam nyob rau xyoo tag nrho yog them los ntawm koj qhov Medicare txoj kev pab them nyiaj ntxiv.

Dab tsi yog Medigap?

Qee zaum hu ua kev pov hwm them nyiaj kho mob Medicare, txoj cai Medigap pab them cov nqi kho mob uas qhov Medicare qub qub tsis them. Rau txoj kev npaj khomob Medigap, koj yuav tsum:

• muaj Medicare qub, uas yog Medicare Tshooj A (ntawv pov hwm tsev kho mob) thiab Medicare Tshooj B (ntawv pov hwm kho mob)
• muaj koj tus kheej Medigap txoj cai (tsuas yog ib tus neeg ntawm ib txoj cai)
• them qhov nqi them txhua hli ntxiv rau koj qhov Medicare hwm them

Medigap cov cai yog muag los ntawm cov tuam txhab kev pov hwm. Cov cai no yog ua qauv zoo thiab ua raws tsoomfwv thiab lub xeev txoj cai.

Hauv ntau lub xeev, lawv pom los ntawm tib tsab ntawv, yog li Medicare Supplement Plan K yuav zoo ib yam nyob thoob plaws teb chaws, tshwj tsis yog hauv cov xeev hauv qab no:

• Pob Tsuas Massachusetts
• Minnesota
• Wisconsin

Koj tsuas tuaj yeem yuav Medigap txoj cai yog tias koj muaj Medicare qub. Medigap thiab Medicare Advantage tsis tau yuav siv ua ke.

Cov nqa mus

Daim Ntawv Qhia Ntxiv Medicare K yog Medigap txoj cai uas pab them cov nqi kho mob kom tshuav los ntawm Medicare qub. Nws yog ib qho ntawm ob qho phiaj xwm uas tau muab cov nyiaj tau los uas tau muab ntau xyoo.

Lub xyoo tsis pub dhau hnab tshos yuav muaj txiaj ntsig zoo yog tias koj:

• muaj kev mob nkeeg ntev ntev nrog tus nqi siab rau kev saib xyuas mob mus txuas ntxiv
• xav tau npaj kom zoo rau cov kev muaj nqi kho mob loj uas tsis tau npaj txhij txog

Yog tias koj xav tias Medigap txoj cai yog txoj kev txiav txim siab raug rau koj cov kev xav tau kev noj qab haus huv, nco ntsoov txiav txim siab tag nrho koj cov cai xaiv. Mus saib Medicare.gov los sib piv Medigap cov cai kom thiaj li nrhiav tau qhov tseeb rau koj.

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.