Sashin Kiwon Lafiya Na G: Abinda Yake rufewa da ƙari

Wadatacce

• Chargesarin cajin Medicare Part B
• Menene Tsarin Garin Medicare G ya rufe?
• Fahimtar Medigap
• Yanke shawara kan shirin Medigap
• Medigap a Massachusetts, Minnesota, da Wisconsin
• Menene haƙƙin haƙƙin tabbatarwa?
• Awauki

Planarin shirin Medicare G yana ɗaukar nauyin ɓangarorinku na fa'idodin likitanci (ban da ƙarancin kuɗin fitar da kuɗaɗe) wanda asalin likitan ya rufe. Hakanan ana kiranta da Medigap Plan G.

Asalin Medicare na asali ya hada da Medicare Sashe na A (inshorar asibiti) da Medicare Sashe na B (inshorar lafiya).

Tsarin Medigap G na ɗaya daga cikin shahararrun shirye-shirye 10 da ake da su saboda yaɗuwar saƙo, gami da ɗaukar hoto don ƙarin cajin Part B.

Ci gaba da karatu don ƙarin koyo game da Medicare Part G da abin da yake rufewa.

Chargesarin cajin Medicare Part B

Sashe na B na Medicare kawai yana rufe masu ba da lafiya waɗanda ke shiga tare da Medicare. Idan ka zaɓi mai ba da sabis wanda ba ya aiki tare da Medicare, mai ba da sabis ɗin zai iya cajin har zuwa kashi 15 cikin ɗari fiye da daidaitaccen ƙimar Medicare.

Wannan ƙarin caji ana ɗaukarsa a matsayin cajin excessari na B. Idan shirinka na Medigap bai rufe caji na Part B ba, zaka biya daga aljihunka.

Menene Tsarin Garin Medicare G ya rufe?

Da zarar kun biya abin da kuka cire, yawancin manufofin Medigap sun shafi biyan kuɗi. Wasu manufofin Medigap suma suna biyan abin da aka cire.

Verageaukar hoto tare da plementarin Tsarin Medicare G ya haɗa da:

• Sashe na Asusun ajiyar kuɗi da kuɗin asibiti bayan an yi amfani da fa'idodin Medicare (har zuwa ƙarin kwanaki 365): kashi 100
• Sashe na A wanda aka cire: kashi 100
• Sashe na Asusun kula da asibiti ko biyan kuɗi: kashi 100
• Asusun B na Sashin B ko biyan kuɗi: kashi 100
• Sashe na B wanda aka cire: ba a rufe shi ba
• Sashin B wuce haddi: 100 bisa dari
• ƙwararrun ma'aikatan kulawa da kulawa kulawa da tsabar kudi: kashi 100
• jini (farkon pints 3): kashi 100
• musayar tafiye-tafiye na kasashen waje: kashi 80
• iyaka-daga-aljihu: ba mai amfani ba

Fahimtar Medigap

Manufofin Medigap, kamar su Medicare Supplement Plan G, suna taimakawa wajen biyan kuɗin kiwon lafiya waɗanda ba a rufe asalin Medicare. Wadannan manufofin sune:

• sayar da kamfanonin inshora masu zaman kansu
• daidaitacce kuma bin dokokin tarayya da na jihohi
• wanda aka gano a mafi yawan jihohi ta hanyar wasika ɗaya, a wannan yanayin, “G”

Manufofin Medigap na mutum ɗaya ne kawai. Ku da abokiyar aurenku kowannenku yana buƙatar manufa ɗaya.

Idan kuna son manufofin Medigap, ku:

• dole ne ya kasance yana da Asibiti na asali A da Sashi na B
• ba za su iya samun shirin Amfani da Asibiti ba
• zai haifar da kari na wata (ban da kuɗin kuɗin Medicare)

Yanke shawara kan shirin Medigap

Wata hanyar neman tsarin inshorar kari na Medicare wanda ya dace da bukatun ku shine ta hanyar "Nemo manufar Medigap da zata yi aiki a gare ku" aikace-aikacen binciken Intanet. Waɗannan kayan aikin bincike na kan layi an kafa su ne ta Cibiyar Kula da Lafiya ta Medicare & Medicaid (CMS) ta Amurka.

Medigap a Massachusetts, Minnesota, da Wisconsin

Idan kana zaune a Massachusetts, Minnesota, ko Wisconsin, manufofin Medigap an daidaita su ba kamar sauran jihohi ba. Manufofin sun banbanta, amma kun tabbatar da haƙƙin fitowar batun manufofin Medigap.

• A Massachusetts, shirye-shiryen Medigap suna da Tsarin mahimmanci da Planarin 1 Tsarin.
• A cikin Minnesota, shirye-shiryen Medigap suna da tsare-tsaren fa'idar Basic da Extended Basic.
• A Wisconsin, shirye-shiryen Medigap suna da tsari na Asali da kuma kashi 50 da kashi 25 cikin ɗari na rarar Kuɗi.

Don cikakkun bayanai, zaku iya amfani da kayan aikin bincike "Nemo Dokar Medigap wacce ke aiki a gare ku" ko kira sashin inshorar jihar ku.

Menene haƙƙin haƙƙin tabbatarwa?

Hakkokin lamuni na garanti (wanda kuma ake kira kariyar Medigap) suna buƙatar kamfanonin inshora su siyar muku da manufofin Medigap cewa:

• yana dauke da yanayin kiwon lafiya wadanda suka gabata
• baya tsada fiye da yadda yanayin lafiyar da ta gabata

Hakkokin lamuni mai tabbaci galibi suna shiga cikin wasa lokacin da yanayin lafiyar ku ya canza, kamar idan kun shiga cikin Tsarin Amfani da Medicare kuma ya daina ba da kulawa a yankinku, ko kuma idan kun yi ritaya kuma ma'aikatar kula da lafiyar ku ta ƙare.

Ziyarci wannan shafin don ƙarin bayani game da haƙƙin haƙƙin haƙƙin lamuni.

Awauki

Planarin Tsarin Medicare G shine tsarin Medigap wanda ke taimakawa biyan kuɗin kiwon lafiya wanda ba asalin Medicare ya rufe shi. Yana ɗayan ingantattun tsare-tsaren Medigap, gami da ɗaukar hoto don ƙarin cajin Medicare Part B.

Manufofin Medigap an daidaita su daban a Massachusetts, Minnesota, da Wisconsin. Idan kana zaune a ɗayan waɗancan jihohin, dole ne ka sake duba abubuwan sadaukarwar su na Medigap don samun manufa mai kama da Tsarin Medicare Supplement Plan G.

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.