U-Medicare Plan N ungase ukhetho oluhle kakhulu kuwe, ikakhulukazi uma ungumuntu okhathazekile ngezinga eliphakeme lezindleko, noma unendlela yokubona udokotela kalula, ngisho noma kukhona ukubuyekezwa kwemali okusebenzayo. Kodwa-ke, njengoba kunezinhlelo eziningi ezahlukene ze-Medicare Supplement, kubalulekile ukuqhathanisa izinhlelo ezahlukene ngaphambi kokukhetha. Nansi indlela i-Medicare Plan N ehlukanisa ngayo ku-Plan G, kanye nabantu abanikezwe yona.

I-Medicare Plan N Noma I-Plan G?

I-Medicare Plan N nenye inketho yohlelo lwe-Medicare Supplement plan, olubuye lwaziwe njenge-Medigap. Lolu hlelo lungasiza ukukhokha ezinye zezindleko ezithile ze-Medicare ezibandakanya ukukhokhisa okwengeziwe, ukubuyisana, kanye nezinye izindleko ezingezansi ngezinga eliphakeme lezindleko zesiguli. Ngokuya ngenhloso yalo, i-Medicare Plan N iletha izinzuzo ezifanayo ne-Plan G, kodwa-ke, khona-ke ezinye izinzuzo ezikhethekile uma kuqhathaniswa nalolu hlelo. Ngokuya nge-Medicare, amaphuzu amakhulu abalulekile afana nokuzinakekela kwezempilo nemizimba emaphakathi nemaphakathi, ngaleyo ndlela, iningi lezinto ezihlobene nokuphilisa.

I-Medicare Plan N vs. I-Plan G: Izizathu Ezibalulekile Zokugxila Kuso

Ngaphandle kwemali yenhlawulo yedola, i-Medicare Plan N ivame ukuba namazinga aphansi kancane ezindleko zenhlawulo lapho kuqhathaniswa ne-Plan G. Nokho, kubalulekile ukuqaphela ukuthi i-Plan N ikubuyekeza ukubuyisana kwemali kanye nokukhokhelwa kwemali ngezinsizakalo ezithile zokwelashwa. Ngokuvamile, abantu abahlala ezindaweni ezithile lapho banokufinyelela kalula ezindaweni zokunakekelwa kwezempilo bazokhetha i-Plan N, njengoba bangase babe namazinga aphezulu okusebenzisa ukuthenga, futhi abaqapheli izintengo zokubuyisana.

I-Plan N, njenge-Plan G, ihlinzeka ngokumbozwa okugcwele kwezinto ezidinga ukubuyekezwa nge-Medicare, okungukuthi, i-Part A deductible, i-Part B umsebenzi wokuvumelanisa, kanye ne-Part B deductible.

I-Plan N ibuye inikeze ukumbozwa okugcwele kwezinye izinsizakalo zezempilo, njengokuhlolwa kwezinsizakalo zezempilo, ukwelashwa kwesibhedlela, nabanye.

Noma kunjalo, kunezinto ezimbalwa ezihlukile ezihlobene nezinsizakalo ezinikeziwe.

Nansi Indlela Izinhlelo Eziqhathaniswa Ngayo Ngokwezindleko:

  • Ukukhokhwa Kwemali Kwe-Part B: Ngokuphathelene ne-Part B, i-Medicare Plan N idinga ukuthi ukhokhe ukubuyekezwa okungama- $20 kwidokotela elingumlando. Lokhu akuqhathaniswa ne-Plan G, lapho ukhokha khona okungama- $20 wokubuyisana ngemva kokuba ukhokhe inani elincane kuze kube yilapho ufika ku- $20, kanye nazo zonke izinsizakalo ezihlinzekwa yizinhlangano ezihlinzekwa yi-Medicare.
  • Ukukhokhwa Kwemali Kwe-Part B Ngemali Okuyizinga Lokuhlinzekwa Kwemali: Ngenxa yezinsizakalo ze-Part B ezihlinzekwa yizinhlangano ezibhalisiwe, i-Plan N izodinga ukuthi ukhokhe okungama- $50. Lokhu kuphakathi kwezinsizakalo ezihlinzekwa yizinhlangano eziyizehlakalo eziyizehlakalo.
  • I-Part D Deductible: Zombili izinhlelo ze-Plan N kanye ne-Plan G azikubuyekezi ukubuyekezwa kwe-Part D deductible.

Ngaphezu kwalokho, i-Medicare Plan N ihlinzeka ngokuzinakekela okuqondene nawe. Ngokwesibonelo, i-Medicare Plan N ihlinzeka ngokuzinakekela ngezinsizakalo zokuhlushwa kwemithi. Ngenxa yezinsizakalo, ngeke ukhokhe okungaphezulu kwama- $50 ukubuyisana ngemali. Ngenxa yalokho, ngisho noma ungase ube nomoya wokubuyisana kancane kanye nokubuyisana kancane, i-Medicare Plan N izokunikeza indlela engcono yokukhokhela izinsizakalo zayo ezihlinzekwa yi-Medicare.

Ubani Okufanele Akhethe I-Medicare Plan N?

I-Medicare Plan N ingase ibe inketho enhle kakhulu kuwe uma ungumuntu onendlela yokubona udokotela kalula, futhi ungavumelana nokukhokha ukubuyisana okungama- $20 kanye nokubuyisana okungama- $50 ngezinye izinsizakalo. Nokho, kubalulekile ukucabangela ukuthi i-Medicare Plan N ingeke ikubuyekeze ukukhokhelwa kwezindleko zokugula okungaphakathi kwesibhedlela, okubandakanya nokuhlinzwa kwesibhedlela. Uma ungacabangi ukuthi ungathola uhlobo oluthile lokuhlinzwa kwesibhedlela, kungakuhle ukuthi ukhethe i-Plan G.

Nokho, uma ungumuntu onempilo enhle futhi ungazitholi udinga imitholampilo, i-Plan N ingase ibe inketho encono kakhulu kuleyo njongo. Lokhu kungenxa yokuthi kungaba namazinga aphansi kancane ezindleko zenhlawulo lapho kuqhathaniswa ne-Plan G. Izinga eliphansi lentengo lenhlawulo likuvumela ukuthi ugcine isamba esikhulu semali. Ngaphezu kwalokho, i-Plan N iyinhlangano ezimele ezinezinhlelo ezihlukahlukene ezitholakala ezindaweni ezithile. Ukuthola uhlelo olufanele kukuwe.

Lokhu kuwumbono wemininingwane yakamuva ehlanganisa izindaba ezihlobene nokuphathwa kwezimpawu, kanye nendlela yokuthola indawo yokwelapha.