Ziyakwazi Ukongeza I-Intshurensi yezeMpilo, Kodwa Akunakudingi
I-inshorensi eyongezelelweyo iyongezelelekileyo eyongezelelweyo okanye eyongezelelweyo yinshurensi onokuyithenga ukukunceda ukuhlawula iinkonzo kunye neendleko zangaphandle kwi-inshorensi yakho engapheliyo.
Ezinye izicwangciso ze-inshorensi ezongezelelweyo ziza kuhlawula iindleko zonyango ezingaphandle kwee-pocket, ezifana nokuncitshiswa, iipayili, kunye ne-coinsurance. Ezinye iiplani ezongezelelweyo zingakunika inzuzo yemali ehlawulwa ngexesha elide okanye linikezwe ngesinye isamba semali.
Imali ingasetyenziselwa ukugubungela umvuzo olahlekileyo, ukuhamba ngokuphathelele kwimpilo yakho, okanye ukusetyenziswa ukuhlawula ukutya, amayeza kunye nezinye iindleko ezingalindelekanga ngenxa yokugula okanye ukulimala.
UDkt Mike Tip: Ininshurensi eyongezelelweyo yileyo kuphela-eyongezelelweyo, okanye eyongezelelweyo. Akuyiyo indawo yomshuwalense wezempilo rhoqo!
I-Medigap - I-inshurensi ye-Medicare Supplemental
Enye yezona ntlobo eziqhelekileyo ze-inshorensi eyongezelelweyo yi- Medigap , enokuthengiswa ngamashishini e-inshurensi yangasese kubantu ababhalise kwi-Original Medicare (izicwangciso ze-Medigap azikwazi ukudibaniswa nezicwangciso ze- Medicare Benevantage ).
I- Medicare yasekuqaleni (ebandakanya iNgxenye ye-A ye-Inshurensi yebhedlele kunye neCandelo B I-inshurensi yonyango ) ihlawulela ezininzi, kodwa kungekhona zonke, iinkonzo ezinxulumene nempilo kunye neenkonzo zempilo. Unokuthenga umgaqo-nkqubo womshuwalense wokuncedisa ukukhupha ezinye okanye zonke iindleko ezingaphandle kwe-pocket ungayifaka phantsi kweMpilo-yoButyala-oko kukuthi, "ikhefu," ezibandakanya iipokayenti, i-coinsurance, kunye neentengo.
Ezi ziyakongeza kwiinkcitho ezininzi ezingaphandle, ngokukodwa xa ukhulelwe esibhedlele okanye ufuna iinkonzo zasekhaya ezinonophala.
Kwaye kubalulekile ukuba uqaphele ukuba akukho mkhawulo ophezulu malunga nokuba iindleko zakho ezingaphandle kwe-pocket zingaba ngaphantsi kwe-Original Medicare ngaphandle kwesicwangciso seMedigap (ngokuchaseneyo ne-Medicare Advantage kunye ne-inshurensi yabucala kubantu abangaphantsi kwe-65, ukukhutshwa kwefowuni ).
Ngokubanzi, i-Medigap iceba kuphela ukufumana iindleko ze-out-of-pocket kwiinkonzo ezithe zagqitywa yi-Medicare (oko kukuthi, abayihlawuli izinto ezingagqithanga kuzo zonke iiMediare), kodwa iinjongo ezithile zeMedigap ziya kuhlawula kwiinkonzo ezithile zezempilo ngaphandle kwe-United States, engekho enye ifunyenwe yi-Medicare. Ukuba ubhaliswe kwi-Original Medicare (i-AA ne-B) kwaye unomgaqo-nkqubo we-Medigap, u-Medicare wokuqala uhlawula isabelo saso semali evunyiweyo ye-Medicare kwiindleko zakho zokunakekelwa kwempilo. Emva koko umgaqo wakho weMedigap uhlawula isabelo sawo seendleko.
Kukho izicwangciso zeMedigap ezikhoyo eziza kufikelela kuzo zonke iindleko zokuphuma ngaphandle kweenkonzo ze-Medicare, kodwa ezo zicwangciso aziyi kuphinda zithengiswe ngowe-2020, ngenxa ye-Medicare Access kunye noMthetho wokuQinisekiswa kwe-CHIP woku-2015 (iMACRA) . Ngomhla we-2020, akuyi kuphinda kubekho iiplani zeMedigap ezifumanekayo ezikhupha i-Medicare Part B.
Okwangoku, iiplani ze-Medigap C no-F ziquka ukukhutshwa kweNgxenye B echithwayo. Abantu ababenayo izicwangciso zeMedicaid ekupheleni konyaka we-2019 baya kuvunyelwa ukuba bagcine, kodwa ababhalisi abatsha abayi kuvunyelwa ukuzithenga ngo-2020 okanye ngaphaya kwe. I-Medicare Part B echithwe yi-$ 183 ngo-2018; ngokuqhelekileyo kwanda kancane ngonyaka.
Iintlobo ezininzi eziqhelekileyo ze-Intshuwalense yoNcediso
Ngaphandle kwemigaqo-nkqubo ye-Medigap, ezinye iindidi ezintathu ze-inshorensi yempilo zithengiswa kakhulu kwi-US Le nkqubo-nkqubo encedisayo ingafumaneka njengenzuzo yokuzithandela evela kumqeshi wakho okanye unokuthenga ngqo ngqo kwinkampani yinshuwalense.
Intsholongwane yokugula
I-inshurensi yokugula engundoqo (eyaziwayo njenge-inshuwalense ethile) isetyenziselwe ukunciphisa umthwalo wemali yesifo esibi, njengomhlaza. Le migaqo-nkqubo inokubonelela ngenzuzo yemali ekhoyo yokunceda ukuhlawula iindleko ezongezelelweyo ezihambelana nokugula kwakho kodwa zingakhange zifakwe kwisicwangciso sakho sempilo okanye ukukhubazeka.
Ngokuxhomekeke kwipolisi ethile, i-coverage ingasetyenziswa ukuhlawula:
- zihlutha
- iingcali ze-out-of-network
- ukuhamba nokulala xa unyango lukude nekhaya
- unyango lwezilingo, ngokuqhelekileyo luhlobene nomhlaza wonyango
- Ukunyamekelwa kwabantwana nokuncediswa kwekhaya
- iindleko eziqhelekileyo zokuphila, ezifana nokuhlawulwa kwemoto yakho, iibhidi zetyala kunye nokutya
Imigaqo yokuFazeka ngokuPhepha
Kukho iintlobo ezimbini zemigaqo-nkqubo yengozi, kuquka neNkcazo yokuFazeka kweNkcazo kunye neNtsholongwane yokuCimazela (i-AD & D) kunye ne-Intshumo yezeMpilo yomshuwalense. Zihlala zidibene kunye zithengiswa kunye. Izibonelelo ziyahluka ukusuka kummandla ukuya kummandla ngenxa yemimiselo yomshuwalense wendawo.
Umgaqo-nkqubo wokufa kunye nokuqhawulwa komngcipheko uza kukuhlawula umvuzo wentengo yemali ukuba ungumntu onelungelo lokufumana umntu ofe ngengozi. Le nkqubo inokuhlawula imali encinci xa umntu engafanga ngengozi kodwa walahlekelwa ngumlenze, amehlo, okanye aphethwe ngumzimba wokukhubazeka. I-inshurensi ye-AD & D ayihlawulanga nayiphi na isifo esihlobene nokugula, ukuzibulala okanye izizathu zendalo.
I-inshurensi yonyango yonyango (eyaziwa ngokuba ngumgaqo-nkqubo wokubanjelwa kwesibhedlele esibangwa ngengozi, okanye ukuxhaswa kwengozi nje) inokuhlawula iindleko zonyango ezibangelwa yengozi engafihliwe yinshurensi yakho yonyango. Ezinye zeemigaqo-nkqubo zinokuhlawula iinkonzo ezongezelelweyo zokufumana abantu, kunye neendleko zokuhamba kunye nokufaka izindlu zamalungu entsapho.
Imigaqo-nkqubo yokuxhaswa kweengozi iyathandwa ngabantu abanempilweni abathengisa izicwangciso ze-inshorensi yezempilo. Izingozi zenzeke kubantu abaphilileyo, kwaye ukuxhaswa kunokunceda ukufihla yonke into okanye inxalenye yexabiso elichithwayo kunye nezinye iindleko ezingaphandle kwe-inshurensi yezempilo.
Insurance Insurance
Intshuwalense yeNtlawulo yeSibhedlele (eyaziwa ngokuba yi-Insurance Confinment Insurance) inika inzuzo yemali xa "uvalelwe" esibhedlele ngenxa yesifo okanye ukulimala kolukhulu. Inzuzo yemali - ikhutshwe kwisixa esisodwa semali okanye njengentlawulo yansuku zonke okanye yeveki - ingenakuqala de emva kwexesha elilindelekileyo lokulinda. Ngokufanayo nezinye iintlobo ze-inshorensi eyongezelelweyo, ukuxhaswa okongezelelweyo kuthethwa kukukunceda ukuhlawula iinkonzo kunye nezinto ezifunekayo ezingagqithwanga ngesicwangciso sakho sempilo rhoqo, kodwa ukubonelela ngeencwadi ezingaphezulu akunakulungele ukuba ngumthombo wakho womshuwalense kuphela.
Umthengi Qaphela - Akunakudingi Umlinganiselo Ongaphezulu
Izicwangciso zeeinshorensi zempilo zongezelelweyo zikhuthazwa kakhulu kwiintengiso zabathengi ngqo. Abaninzi baseMelika baqhelanise ne-Aflac duck, isimboli yentengiso esinceda i-Aflac ibe ngumniki-nkonzo omkhulu kunazo zonke kwi-inshurensi yase-US.
Nangona iipolisi ezininzi zokuncedisa ayinayo ixabiso elibi kakhulu, ukuphindwa kabili kungabalulekanga. Ukuba uneminyaka engaphezulu kwama-65 kwaye unayo iMedareri, unokufumana i-health coverage epheleleyo oyifunayo ngokuthenga umgaqo-standard Medigap okanye ukubhalisa kwisicwangciso se-Medicare Benevantage plan.
Isinyathelo sakho sokuqala kukuqinisekisa ukuba wena kunye nosapho lwakho ukhuselwe kwisicwangciso sezempilo esiqhelekileyo. Ukuba ucinga ukuba ufuna i-inshorense eyongezelelweyo, kufuneka uzibuze le mibuzo ilandelayo:
- Ukuba mna okanye ilungu lentsapho lifumana ingozi okanye idala isifo esibi, ngaba isicwangciso sam esilungiselelo sempilo siya kufikelela kwiindleko zonyango?
- Ngaba ndinayo indlela yokugubungela iindleko ezingaphandle kwee-pocket eziza kubakho phantsi kwesicwangciso sam sempilweni samanje, kunye neendleko ezongezelelweyo ezinokuhamba kunye nokugula kunye / okanye ukungahlali emsebenzini ixesha elide?
- Ngaba kunokwenzeka ukuba mna okanye ilungu lentsapho yam iya kuba yingozi enkulu okanye ihlakulele isifo esibi?
- Ngaba iindleko ezongezelelweyo zomgaqo-nkqubo we-inshorensi eyongezelelweyo ziba nengqiqo ngexesha?
Ukongezelela, ngaphambi kokuba kuthengwe umgaqo-nkqubo ongezelelweyo, kubalulekile ukuqonda imida kunye neenzuzo ze-inshurensi. Ngokomzekelo, umgaqo-nkqubo wakho wokuncedisa awunakufihla zonke iindleko ozilindeleyo; inokumisela ixesha lokulinda ngaphambi kokuqala kweentlawulo; okanye, ziqule imida esekelwe kwindlela ohlawule ngayo kwaye ixesha elide.
Qaphela ukuba i-inshorense eyongezelelweyo ayilawulwa nguMthetho woNonophelo ongenakunqwenelekayo. Oko kuthetha ukuba izicwangciso ezongezelelweyo ziyakwazi ukusekela ukufaneleka kwimbali yonyango, ukubeka imingcele kwiimeko ezenzeka ngaphambili, nangenxa yolu hlobo lwamacebo-cap benefit kwizinga eliphantsi. Kuqhelekileyo ukubona izicwangciso ezongezelelweyo kunye nomda wokufumana uncedo oluvela kwiiyure eziliwaka leeedola ukuya kumawaka angamakhulu amawaka eedola. Ezi zicwangciso zingabonelela kakhulu kwi-inshorensi yempilo enayo, kodwa ayikaze yenzelwe ukuma yodwa nje kuphela. Akuncinci kubambiso obubalulekileyo, ngoko abantu abathembela kubo ngaphandle kolunye uhlaselo baya kuthotyelwa kwisigwebo somntu ngamnye se -ACA sokungaqiniseki.
Ngaphambi kokusayina kumgca ocacileyo, qiniseka ukuba uyaziqonda ngokupheleleyo iingenelo kunye nokunciphisa i-inshurensi. Kwaye, qaphela udoti!
UDkt. Mike uMthombo wezaziso
Umbutho kaZwelonke weeKomishinari ze-Intshurensi unencwadana enhle kakhulu kwi-intanethi: Isikhokelo seShopper kwi-Incycer Insurance .
> Imithombo:
> Congress.gov. HR2, Ukufikelela kwi-Medicare kunye noMthetho wokuQinisekiswa kwe-CHIP ka-2015.
> Medicare.gov. Icandelo B Iindleko.