Tau Ntau Npaum Cas Rau Medigap Cov Hom Phiaj Them Nqi Xyoo 2021?
Zoo Siab
- Medigap yog dab tsi?
- Medigap cov phiaj xwm them nqi ntau npaum li cas?
- Cov nqi them txhua hli
- Tej lus ntuas
- Coinsurance thiab copays
- Qhov uas tsis pub nqa hnab ris
- Tus nqi them nyiaj hauv hnab ris
- Medigap txoj kev npaj them nqi sib piv
- Kuv puas tsim nyog rau Medigap?
- Cov hnub tseem ceeb rau kev cuv npe hauv Medigap
- Medigap thawj lub sijhawm nkag
- Lwm lub sijhawm teev npe Medicare
- Cov nqa mus
- Medigap pab them rau qee qhov nqi khomob uas tsis duav los ntawm Medicare qub.
- Cov nqi koj yuav tau them rau Medigap nyob ntawm txoj kev pab them nqi koj xaiv, koj qhov chaw nyob, thiab ob peb lwm yam.
- Medigap feem ntau muaj tus nqi txhua hli, thiab koj kuj yuav tsum tau them tus nqi them, cov nqi pabcuam, thiab rho tawm.
Medicare yog ib qho pabkasphais kho mob tau los ntawm tsoomfwv qib siab rau cov neeg hnub nyoog 65 thiab tshaj saud, thiab lwm pab pawg tshwj xeeb. Nws tau kwv yees tias thawj Medicare (seem A thiab B) them txog ib tus neeg cov nqi kho mob.
Kev tuav pov hwm them nyiaj Medicare (Medigap) pab them rau qee cov nqi khomob uas tsis duav los ntawm Medicare qub. Txog ntawm cov tib neeg muaj Medicare qub tseem muaj Medigap txoj kev npaj.
Tus nqi ntawm Medigap txoj kev npaj them nqi tuaj yeem sib txawv vim muaj ntau yam, suav nrog cov hom kev pab them nqi koj tso npe rau, qhov chaw koj nyob, thiab cov tuam txhab muag cov phiaj xwm.
Hauv qab no, peb yuav tshawb nrhiav ntau ntxiv txog cov nqi ntawm Medigap cov phiaj xwm hauv 2021.
Medigap yog dab tsi?
Medigap yog kev tuav pov hwm ntxiv uas koj tuaj yeem yuav los pab them rau tej yam uas tsis duav los ntawm Medicare Tshooj A thiab Medicare Tshooj B. Qee cov piv txwv ntawm cov nqi uas yuav them los ntawm Medigap suav nrog:
- txiav tawm rau seem A thiab B
- npib nyiaj them lossis nqi them rau feem A thiab B
- ntau dhau tus nqi rau Ntu B
- nqi kho mob thaum mus txawv tebchaws
- ntshav (thawj 3 pints)
Cov kev qhia tshwj xeeb uas duav nyob ntawm Medigap txoj kev npaj uas koj yuav. Muaj 10 ntau hom Medigap cov phiaj xwm, uas txhua tus tau xaiv nrog tsab ntawv: A, B, C, D, F, G, K, L, M, thiab N. Txhua qhov phiaj xwm muaj qib sib txawv ntawm cov ntawv pov hwm.
Cov tuam txhab kev pov hwm ntiag tug muag cov cai Medigap. Txhua hom phiaj xwm qauv yog qauv, txhais tau hais tias nws yuav tsum muab tib theem tib theem ntawm kev pov hwm. Piv txwv, Lub Hom Phiaj G txoj cai tswj hwm cov txiaj ntsig ib yam, tsis hais tus nqi lossis lub tuam txhab muag.
Medigap cov cai tseem tseem tuaj yeem lav tau txuas ntxiv dua qhov qub yog koj tau them koj cov nqi txhua hli. Qhov no txhais tau tias lub tuam txhab kev pov hwm uas koj tau yuav koj txoj kev npaj khomob tsis tuaj yeem thim koj txoj kev npaj khomob, txawm tias koj muaj cov teebmeem tshiab lossis mob hnyav ntxiv lawm.
Medigap cov phiaj xwm them nqi ntau npaum li cas?
Yog li dab tsi yog qhov nqi tiag tiag cuam tshuam nrog Medigap cov phiaj xwm? Cia peb kuaj cov peev txheej tsim nyog hauv kev nthuav dav ntxiv.
Cov nqi them txhua hli
Txhua Medigap txoj cai muaj tus nqi txhua hli. Tus nqi pes tsawg tuaj yeem sib txawv raws li tus kheej txoj cai. Cov tuam txhab kev pov hwm yuav teeb tsa tus nqi them txhua hli rau lawv cov cai hauv peb txoj kev sib txawv:
- Zej zog nyob. Txhua tus neeg uas yuav txoj cai them tus nqi txhua lub hlis tsis hais tus laus los xij.
- Qhov teeb meem-hnub nyoog ntsuas. Cov ntawv them nyiaj txhua hli yog khi rau lub hnub nyoog uas koj xub yuav txoj cai, nrog cov tub lag luam hluas muaj cov nqi qis dua. Cov nqi muas tsis tau nce ntxiv thaum koj laus zog.
- Tau txais-hnub nyoog ntsuas. Tus nqi them txhua hli yog khi rau koj lub hnub nyoog tam sim no. Nws txhais tau tias koj tus nqi yuav nce rau thaum koj laus zuj zus.
Yog tias koj xav nkag rau hauv Medigap txoj phiaj xwm, nws yog ib qho tseem ceeb kom sib piv ntau txoj cai uas muaj nyob hauv koj thaj chaw. Qhov no tuaj yeem pab koj txiav txim siab seb qhov nqi them txhua hli tau teev li cas thiab ntau npaum li cas koj tuaj yeem cia siab them nyob rau ib hlis.
Tus nqi them Txhua hli hauv Medigap yuav them ntxiv nrog lwm cov nqi them txhua hli ntsig txog Medicare. Cov no tuaj yeem suav cov nqi them rau:
- Medicare Tshooj A (ntawv faj seeb tsev kho mob), yog tsim nyog
- Tshooj Medicare B (kev fajseeb khomob)
- Tshooj Medicare D (kev pab them tshuaj yuav tshuaj)
Tej lus ntuas
Medigap nws tus kheej tsis feem ntau txuam nrog qhov txiav tawm tau. Txawm li cas los xij, yog tias koj txoj kev npaj Medigap tsis them rau Ntu A lossis Tshooj B uas yus them taus, koj tseem yog lub luag haujlwm them cov nqi no.
Medigap Plan F thiab Phiaj Xwm G tau muaj qhov kev xaiv siab them ua ke. Cov nqi them txhua hli rau cov phiaj xwm no feem ntau yuav qis dua, tab sis koj yuav tsum tau them qhov txiav tawm ua ntej lawv pib them cov nqi. Rau 2021, qhov yus them tawm yog $ 2,370 rau cov phiaj xwm no.
Coinsurance thiab copays
Ib yam li txiav tawm, Medigap nws tus kheej tsis cuam tshuam nrog kev tiv thaiv npib lossis them nyiaj. Tej zaum koj tseem yuav tau them qee yam kev fajseeb lossis kev them nyiaj ntsig txog tus thawj Medicare yog tias koj txoj cai Medigap tsis them rau.
Qhov uas tsis pub nqa hnab ris
Medigap Phiaj Xwm K thiab Txoj Phiaj L muaj qhov txwv tsis pub tshaj tawm. Nov yog qhov ntau kawg uas koj yuav tsum tau them tawm ntawm hnab tshos.
Hauv 2021, Txoj Kev Npaj K thiab Cov Phiaj L cov nyiaj sab nrauv uas tau them yog $ 6,220 thiab $ 3,110, ua ntu zus. Tom qab koj ua tau raws li cov kev txwv tsis pub tshaj, txoj kev npaj them rau 100 feem pua ntawm cov kev pabcuam duav nyob rau xyoo ntawd.
Tus nqi them nyiaj hauv hnab ris
Muaj qee cov kev pabcuam noj qab haus huv uas tsis them los ntawm Medigap. Yog tias koj xav siv cov kev pabcuam no, koj yuav tsum tau them rau lawv tawm hauv hnab tshos. Cov no suav nrog:
- kho hniav
- lub zeem muag, suav nrog tsom iav
- hnov pob ntseg
- Kev pab them tshuaj
- kev saib xyuas lub sijhawm ntev
- ntiag tug saib xyuas neeg laus
Medigap txoj kev npaj them nqi sib piv
Cov lus hauv qab no qhia cov nqi sib piv ntawm cov nqi them txhua hli rau qhov sib txawv ntawm hom phiaj Medigap hauv plaub lub nroog piv txwv hauv Tebchaws Meskas.
| Washington, D.C. | Des Moines, IA | Aurora, CO | San Francisco, CA | |
|---|---|---|---|---|
| Daim phiaj A | $72–$1,024 | $78–$273 | $90–$379 | $83–$215 |
| Daim phiaj B | $98–$282 | $112–$331 | $122–$288 | $123–$262 |
| Txoj Kev Npaj C | $124–$335 | $134–$386 | $159–$406 | $146–$311 |
| Daim phiaj D | $118–$209 | $103–$322 | $137–$259 | $126–$219 |
| Daim phiaj F | $125–$338 | $121–$387 | $157–$464 | $146–$312 |
| Daim phiaj F (txiav tawm siab) | $27–$86 | $27–$76 | $32–$96 | $28–$84 |
| Daim phiaj G | $104–$321 | $97–$363 | $125–$432 | $115–$248 |
| Daim phiaj G (txiav tawm siab) | $26–$53 | $32–$72 | $37–$71 | $38–$61 |
| Npaj K | $40–$121 | $41–$113 | $41–$164 | $45–$123 |
| Daim phiaj L | $68–$201 | $69–$237 | $80–$190 | $81–$175 |
| Daim phiaj M | $145–$309 | $98–$214 | $128–$181 | $134–$186 |
| Daim phiaj N | $83–$279 | $80–$273 | $99–$310 | $93–$210 |
Cov nqi tau hais los saum toj no yog nce raws tus txiv neej 65 xyoo uas tsis haus luam yeeb. Txhawm rau kom paub cov nqi tshwj xeeb rau koj qhov xwm txheej, sau koj tus ZIP code hauv Medicare's Medigap phiaj nrhiav tswv yim.
Kuv puas tsim nyog rau Medigap?
Muaj qee txoj cai cuam tshuam nrog kev yuav Medigap txoj cai. Cov no suav nrog:
- Koj yuav tsum muaj Medicare thawj (tshooj A thiab B). Koj tsis tau muaj Medigap thiab Medicare Advantage.
- Lub hom phiaj Medigap tsuas yog them rau ib tus neeg nkaus xwb. Qhov no txhais tau tias cov txij nkawm yuav tsum tau yuav cov kev cai sib cais.
- Los ntawm tsoomfwv txoj cai lij choj, cov tuam txhab kev tuav pov hwm tsis tas yuav muag cov cai Medigap rau cov neeg muaj hnub nyoog 65 xyoos.
Ib qho ntxiv, qee qhov kev npaj kho mob Medigap tsis muaj rau cov neeg uas tau Medicare tshiab. Txawm li cas los xij, cov tib neeg uas twb koom rau hauv cov phiaj xwm no tuaj yeem khaws lawv. Cov phiaj xwm no muaj:
- Txoj Kev Npaj C
- Daim phiaj E
- Daim phiaj F
- Npaj H
- Npaj I
- Npaj J
Cov hnub tseem ceeb rau kev cuv npe hauv Medigap
Hauv qab no yog qee cov hnub tseem ceeb rau tso npe rau hauv Medigap txoj phiaj xwm.
Medigap thawj lub sijhawm nkag
Lub sijhawm no pib yog 6 lub hlis uas pib thaum koj muaj 65 xyoos thiab tau tso npe rau Medicare Tshooj B. Yog tias koj rau npe nkag tom qab lub sijhawm no, cov tuam txhab fajseeb yuav nce tus nqi them txhua hli vim los ntawm kev kho mob.
Kev tuav pov hwm kho mob yog txheej txheem uas siv los ntawm cov tuam txhab kev pov hwm los txiav txim siab txog kev pov hwm raws li koj li keeb kwm kev kho mob. Tso cai kho mob tsis pub rau lub sijhawm Medigap cuv npe thawj zaug.
Lwm lub sijhawm teev npe Medicare
Koj tseem tuaj yeem yuav Medigap txoj kev npaj sab nraum lub sijhawm koj nkag ua ntej. Ntawm no yog lwm lub sijhawm uas koj tuaj yeem tso npe rau hauv Medigap txoj kev npaj thawm xyoo:
- Kev rau npe nkag (Lub Ib Hlis 1 txog Peb Hlis 31)Cov. Koj tuaj yeem hloov los ntawm Medicare Advantage txoj kev npaj mus rau lwm txoj, lossis koj tuaj yeem tso tawm Medicare Advantage txoj kev npaj, rov qab mus rau Medicare qub, thiab thov rau Medigap txoj kev npaj.
- Qhib kev cuv npe lub Kaum Hlis 15 txog Kaum Ob Hlis 7)Cov. Koj tuaj yeem tso npe rau txhua qhov phiaj xwm Medicare, suav nrog Medigap txoj phiaj xwm, nyob rau lub sijhawm no.
Cov nqa mus
Medigap yog hom kev tuav pov hwm ntxiv uas koj tuaj yeem yuav txhawm rau pab them cov nqi ntsig txog kev noj qab haus huv uas tsis muaj los ntawm Medicare thawj. Muaj 10 qhov sib txawv ntawm cov qauv txheej txheem qauv Medigap.
Tus nqi ntawm Medigap txoj kev npaj nyob ntawm txoj kev npaj koj xaiv, koj nyob qhov twg, thiab lub tuam txhab uas koj yuav koj txoj cai. Koj yuav them tus nqi txhua hli rau koj txoj kev npaj khomob thiab kuj yuav yog tus them rau qee feem txo, cov nqi them, thiab them tus nqi them.
Koj tuaj yeem tso npe nkag rau hauv Medigap txoj kev npaj thaum Medigap pib ua npe nkag. Nov yog thaum koj muaj 65 xyoos thiab nkag rau hauv Medicare Tshooj B. Yog tias koj tsis rau npe nkag lub sijhawm no, koj yuav nkag tsis tau rau qhov kev npaj uas koj xav tau lossis nws yuav raug nqi ntau dua.
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.
Cov Lus Ntxim Nyiam
Lub Taub Hau Ua Haujlwm Hilary Duff cog lus los ntawm