Kwabanye abadala, eli phesenti elingama-20 lingongeza kwixabiso elingu-dollar kwaye linokuba luninzi kunako.
Ingxenye yesisombululo sabasebekhulile ingayifumana i-Supplementary Supplementary supplement ukuze incediswe ngeendleko zonyango ezingabhekiswa kwisicwangciso soMguli rhoqo. Ukuba uneminyaka engama-65 kwaye ulungele ukufumana i-Medicare rhoqo, uvumelekile ukuba uthenge umgaqo-nkqubo we-inshurensi owongezelelweyo we-Medicare (owaziwa nangokuthi yi-Medigap). Kukho iintlobo ezikhethiweyo ezikhoyo kwi-Medicare eyongezelelweyo yomshuwalense nkqubo ukuze ulungele iimfuno zakho zonyango kunye neemeko zemali. I-Blue Cross Blue Shield inomgca opheleleyo we- Medigap iinjongo ze-inshorensi yezempilo (izicwangciso ze-A ngokusebenzisa i-N) ezikhoyo.
NgeBlue Cross Blue Shield
I-Blue Cross Blue Shield yenye yegama elikhulu kwi-inshorensi yempilo engekho e-United States kuphela kodwa kumazwe anama-170 emhlabeni jikelele. I-federation yase-US iquka ii-38 zemibutho yomshuwalense wezempilo. Ukuqala kweenkampani kubuyela ngo-1929 xa i-Blue Cross Blue Shield yasungulwa nguYustan Ford Kimball njengenkampani yomshuwalense wezempilo ootitshala.
Imisebenzi yase-United States ixhomekeke kwiChicago, e-Illinois kunye nokubonelela nge-inshurensi yonyango yomntu ngamnye kunye nentsapho, i-inshorensi yezempilo yeqela lomqashi kunye ne-Medicare yokuxhasa izicwangciso kubahlali bezo zonke iindawo ezingama-50, kwiSithili sase-Columbia nasePuerto Rico.
Ekubeni i-Blue Cross Blue Shield ineemibutho ezininzi ezibandakanya kuyo, akukho manqaku amandla okwenza imali.
Nangona kunjalo, i- AM Best corporation-rating organization inikwe ininzi yale mibutho ehlukeneyo ngokuthi "A +".
ISicwangciso seMpawu kunye neNzuzo
I-Blue Cross Blue Shield isicwangciso esivunywa ngokubanzi ngabaqeqeshi bezempilo kuquka izibhedlele, iofisi yegqirha kunye nee-pharmacy. Unika izicwangciso ze-inshorensi ezixhasayo ze-Medicare ukuze ufumane isicwangciso esifanelekileyo sokudibanisa iimfuno zakho zonyango kunye nebhajethi yakho. Nazi ezinye iinkalo ezithile zohlobo ngalunye lwesicwangciso. Isicwangciso esichaziweyo sizahluka ngohlobo, ngoko kufuneka uqhagamshelane nombutho weBlue Cross kwinqanaba lakho kwiinkalo ezithile zesicwangciso ngasinye.
Izicwangciso A kunye noB
Izicwangciso ze-A ne-B zinika ukhetho olusisiseko olunokuhlawulekayo apho uhlawula zonke iidrocubles ezibandakanya uqeqesho lwemali yokunakekelwa kwabantwana abanonophelo kunye nokunyamekela kwenkxalabo yokuhamba ngenyawo. Izibonelelo ezisisiseko zifunyenwe iipesenti ezingama-100 zeziCwangciso ze-A kunye ne-B kunye neCwangciso B lihlanganisa iipesenti ezili-100 zeCandelo A elichithwayo.
Izicwangciso C, F kunye noG
- Iipesenti ezili-100 zeenzuzo eziphambili
- Ipesenti ezili-100 zeengcali zokunakekela abahlengikazi abanezakhono
- Iipesenti ezili-100 zeCandelo A elichithwayo
- Iipesenti eziyi-100 zeCandelo B Achithwa ngaphandle kweCwangciso G engenayo inxalenye yeNgxenye B yokuhlawulwa
- Iipesenti ezili-100 zeCandelo B Ngaphezulu ngaphandle kweCwangciso C elingenayo inxalenye B Inkokhelo engaphezulu
- Uhambo lokunakekelwa kwengxakeko lwangaphandle
Isicwangciso esiphakamileyo seDeductible F
- Iipesenti ezili-100 zeenzuzo eziphambili
- Ipesenti ezili-100 zeengcali zokunakekela abahlengikazi abanezakhono
- Iipesenti ezili-100 zeCandelo A elichithwayo
- Iipesenti eziyi-100 zeCandelo B lichithwe
- Iipesenti eziyi-100 zeNgxenye B ngokweqile
- Ukunyamekela kwimeko yokuxakeka kweziluntu
Cwangciso K
- Iipesenti ezingama-100 zokubhedleleka kunye nokunyamekela ukunakekelwa kwezibonelelo ezisisiseko
- Zonke ezinye izibonelelo ezisisiseko zihlawulwa ngama-50 ekhulwini
- Ubuncwane bobuhlengikazi abanezakhono
- Icandelo A elichithwe ngama-50 ekhulwini
- Akukho nkonzo yeCandelo B echithwayo
- Akukho mali yokuxhaswa kweNgxenye B
- Akukho nkonzo yokunakekelwa kwenkxalabo yangaphandle
Cwangciso L
- Iipesenti ezingama-100 zokubhedlelelwa esibhedlele kunye nokuthintela ukunakekelwa kwezibonelelo ezisisiseko
- Zonke ezinye iinzuzo eziphambili zihlawulwa ngamaphesenti angama-75
- Ubungcali bonyango abanamakhono angama-75
- Icandelo A elichithwe ngama-75 ekhulwini
- Akukho nkonzo yeCandelo B echithwayo
- Akukho mali yokuxhaswa kweNgxenye B
- Akukho nkonzo yokunakekelwa kwenkxalabo yangaphandle
Cwangcisa N
- I-Copay isebenza kwizibonelelo eziphambili
- Ipesenti ezili-100 zeengcali zokunakekela abahlengikazi abanezakhono
- Ipesenti ezili-100 zeCandelo A ezichithwe
- Ukunyamekela kwimeko yokuxakeka kweziluntu
- Akukho nkonzo yeCandelo B echithwayo
- Akukho mali yokuxhaswa kweNgxenye B
- Akukho nkonzo yokunakekelwa kwenkxalabo yangaphandle
Iinkcukacha zoqhakamshelwano
Ukutyelela kwi-website ye-Blue Cross Blue Shield Association okanye u-888-630-BLUE (2583) ukuze ufumane iNkampani yeBlue Cross Blue Shield apho unokufumana isicatshulwa okanye ufunde kabanzi nge-Blue Cross 'Medicare eyongezelelweyo yomshuwalense kunye neminye imveliso yomshuwalense yezempilo.