Ka hoʻomaopopo ʻana iā Medicare

ʻO Medicare kahi ʻinikua olakino e mālama ʻia e ke aupuni no nā makahiki 65 a ʻoi. Loaʻa i kekahi poʻe ʻē aʻe iā Medicare:

• ʻO ka poʻe ʻōpio me kekahi mau kīnā
• ʻO ka poʻe i loaʻa ka hōʻino kīhā paʻa mau loa (ka maʻi hōʻino hope loa) a pono i ka dialysis a i ʻole ke kuʻi ʻōiwi

No ka loaʻa ʻana iā Medicare, pono ʻoe he kamaʻāina ʻAmelika Hui Pū ʻIa a i ʻole he kamaʻāina kū kānāwai mau i noho i ka ʻāina no 5 mau makahiki.

ʻEhā ʻāpana ʻo Medicare. ʻO nā ʻāpana A a me B i kapa ʻia ʻo "Original Medicare."

• Māhele A - Mālama haukapila
• Mahele B - mālama mālama maʻi
• Māhele C - Medicare Advantage
• Mahele D - Hoʻolālā Lapaʻau Medicare

Koho ka hapanui o ka poʻe i Original Medicare (ʻāpana A a me B) a i ʻole Medicare Advantage. Me ka Medicare Original, hiki iā ʻoe ke koho iā Plan D no kāu lāʻau lapaʻau.

Uhi ka lāʻau Medicare A i nā lawelawe a me nā pono e pono ai e mālama i kahi maʻi a i ʻole nā ​​kūlana olakino a i mālama ʻia i ka wā.

• Mālama haukapila.
• Mālama pono kahi mālama hānai, ke hoʻouna ʻia ʻoe e ola mai kahi maʻi a i ʻole ke kaʻina hana. (ʻO ka neʻe ʻana i nā hale hānai ke hiki ʻole iā ʻoe ke noho i ka home ʻaʻole uhi ʻia e Medicare.)
• Mālama ʻo Hospice.
• Kipa olakino home.

Hāʻawi ʻia nā lawelawe a me nā lako i ka wā ma kahi haukapila a i ʻole kahi pono e hoʻopili ʻia.

• Hāʻawi ʻia ka mālama e nā kauka, nā kahu maʻi, a me nā mea lawelawe olakino ʻē aʻe
• Nā lāʻau
• Mālama kahu maʻi
• ʻO ka Therapy e kōkua ai i ka ʻōlelo, ka ale ʻana, ka neʻe ʻana, ka ʻauʻau ʻana, ka ʻaʻahu ʻana a pēlā aku
• Nā hōʻike Lab a me nā kiʻi
• Nā ʻoki a me nā kaʻina hana
• Nā noho huila, nā mea hele, a me nā pono hana ʻē aʻe

ʻAʻole uku ka hapa nui o ka poʻe i ka uku no kēlā me kēia mahina no ka ʻāpana A.

Mālama mālama maʻi. Kōkua ʻo Medicare Part B i ka uku ʻana i nā mālama a me nā lawelawe i hāʻawi ʻia ma ke ʻano he mea maʻi. Mālama ʻia ka mālama maʻi ma:

• ʻO kahi lumi pilikia a i ʻole nā ​​wahi ʻē aʻe o ka haukapila, akā ke ʻae ʻole ʻia ʻoe
• ʻO nā keʻena mālama ola (e like me ke kahu kauka, kauka, a me nā mea ʻē aʻe)
• Kahi kikowaena
• Kahi keʻena hoʻokolohua a kikowaena kiʻi paha
• Kou home

Nā lawelawe a me nā lawelawe mālama olakino ʻē aʻe. Uku pū ʻia ia no nā lawelawe mālama olakino pale, e like me:

• Kipa ʻia ke olakino a me nā lawelawe pale ʻē aʻe, e like me ka pā ʻana o ka flu a me ka pulumonia a me nā mammograms
• Nā kaʻina hana
• Nā hoʻokolohua lab a me nā kukuna x
• Nā lāʻau a me nā lāʻau i hiki ʻole iā ʻoe ke hāʻawi iā ʻoe iho, e like me nā lāʻau i hāʻawi ʻia ma o kou veins
• Nā paipu hānai
• Kipa me kahi mea hāʻawi
• Nā noho huila, nā mea hele, a me kekahi mau lako ʻē aʻe
• A me nā mea hou aku

Uku ka hapa nui o ka poʻe i ka uku no kēlā me kēia mahina no ka ʻāpana B. uku pū ʻoe i kahi liʻiliʻi liʻiliʻi o ka makahiki. Ke hoʻokō ʻia kēlā nui, uku ʻoe i 20% o ke kumukūʻai no ka nui o nā lawelawe. Kāhea ʻia kēia ʻo coinsurance. Uku ʻoe i nā copayments no ke kipa ʻana o ke kauka. He uku liʻiliʻi kēia, ma kahi o $ 25 a ʻoi paha, no kēlā me kēia kauka a kipa ʻike loea paha.

ʻO ka mea i uhi ʻia i kāu wahi e hilinaʻi nei:

• Nā kānāwai pekelala a me ka mokuʻāina
• Uhi ʻia ka mea a Medicare e hoʻoholo ai
• He aha nā hui kūloko e hoʻoholo ai e uhi

He mea nui e nānā mau i kāu uhi ma mua o ka hoʻohana ʻana i kahi lawelawe e ʻike i ka mea e uku ai ʻo Medicare a me nā mea āu e pono ai e uku.

Hāʻawi nā hoʻolālā Medicare advantage (MA) i nā pono like me ka ʻĀpana A, ʻĀpana B, a me ka ʻāpana D. ʻO kēia ke uhi ʻia no ka mālama olakino a me ka haukapila a me nā lāʻau lapaʻau. Hāʻawi ʻia nā hoʻolālā MA e nā ʻoihana ʻinikua pilikino i hāʻawi ʻia e hana pū me Medicare.

• Uku ʻoe i ka uku uku mahina no kēia ʻano hoʻolālā.
• ʻO ka maʻamau maʻamau pono ʻoe e hoʻohana i nā kauka, nā haukapila, a me nā mea lawelawe ʻē aʻe e hana pū me kāu hoʻolālā a i ʻole e uku ʻoe i kālā hou aku.
• Mālama ʻo MA i nā lawelawe āpau i uhi ʻia e Original Medicare (ʻāpana A a me ka ʻāpana B).
• Hāʻawi pū lākou i kahi uhi hou aʻe e like me ka hihiʻo, ka hoʻolohe ʻana, ka niho, a me ka uhi lāʻau lāʻau kuhikuhi. I kekahi mau hihia, pono paha ʻoe e uku keu no kekahi mau pono hou aʻe e like me ka mālama niho.

Inā loaʻa iā ʻoe ʻo Medicare Original (mau ʻāpana A a me B) a makemake i ka laulau lāʻau e kuhikuhi ai, pono ʻoe e koho i kahi Medicare Prescription Drug Plan (Plan D). Hāʻawi ʻia kēia uhi e nā ʻoihana inikua pilikino i ʻae ʻia e Medicare.

ʻAʻole hiki iā ʻoe ke koho iā Plan D inā loaʻa iā ʻoe kahi Medicare Advantage plan no ka mea hāʻawi ʻia ka uhi lāʻau e kēlā mau hoʻolālā.

ʻO Medigap kahi kulekele ʻinikua kōkua Medicare i kūʻai ʻia e nā ʻoihana pilikino. Kōkua ia i ka uku ʻana i nā kumukūʻai e like me nā copayments, coinsurance, a me nā deductibles. No ka loaʻa ʻana o kahi kulekele Medigap pono ʻoe e loaʻa iā Medicare Original (ʻāpana A a me ka ʻāpana B). Uku ʻoe i ka ʻoihana ʻinikua pilikino i kahi uku no kēlā me kēia mahina no kāu kulekele Medigap me ka hoʻohui ʻana i ka uku nui o ka mahele B āu e uku ai iā Medicare.

Pono ʻoe e hui me ka Māhele A Medicare ma waena o 3 mau mahina ma mua o kou malama lā hānau (huli 65) a me 3 mau mahina ma hope o kou malama lā hānau. Hāʻawi ʻia ʻoe i ka puka aniani 7 mahina e hui pū.

Inā ʻaʻole ʻoe e kau inoa no ka ʻāpana A ma loko o kēlā puka aniani, e uku ʻoe i ka uku hoʻopaʻi e hui pū ai i ka hoʻolālā, a uku paha ʻoe i nā uku nui o ka mahina. ʻOiai inā ʻoe e hana nei a e uhi ʻia e kāu ʻinikua hana, pono ʻoe e kau inoa no ka Medicare Part A. No laila mai kali ʻoe e hui pū me Medicare.

Hiki iā ʻoe ke kau inoa no ka Medicare Part B ke kau inoa mua ʻana no ka ʻāpana A, a i ʻole hiki iā ʻoe ke kali a hiki i ka wā e pono ai kēlā ʻano uhi.

Hiki iā ʻoe ke koho ma waena o Medicare kumu (Māhele A a me ʻĀpana B) a i ʻole Plan Medicare Advantage Plan (ʻĀpana C). ʻO ka hapa nui o ka manawa, hiki iā ʻoe ke hoʻololi i hope a i waena o kēia mau ʻano uhi ma ka liʻiliʻi i hoʻokahi manawa i ka makahiki.

E hoʻoholo inā makemake ʻoe i ka laulau lāʻau kuhikuhi a i ʻole ʻĀpana D. Inā makemake ʻoe i ka laulau lāʻau e pono ai e hoʻohālikelike i nā hoʻolālā e holo ʻia e nā ʻoihana inikua. Mai hoʻohālikelike wale i nā uku ke hoʻohālikelike nei i nā hoʻolālā. E ʻike pono i ka uhi ʻia o kāu lāʻau i ke hoʻolālā āu e nānā nei.

E noʻonoʻo i nā mea ma lalo ke koho ʻoe i kāu hoʻolālā.

• ʻIke - Pono kāu papa e uhi i nā lawelawe a me nā lāʻau e pono ai.
• Nā kumukūʻai - Hoʻohālikelike i nā kumukūʻai āu e pono ai e uku i nā hoʻolālā like ʻole. Hoʻohālikelike i ke kumukūʻai o kāu uku, deductibles, a me nā kumu kūʻai ʻē aʻe ma waena o kāu koho.
• Nā lāʻau i kuhikuhi ʻia - E hōʻoia e hōʻoia i ka uhi ʻia ʻana o kāu lāʻau i lalo o ka formulary o ka hoʻolālā.
• Koho a kauka a me ka haukapila - e nānā inā hiki iā ʻoe ke hoʻohana i ke kauka a me ka haukapila āu i koho ai.
• Ka maikaʻi o ka mālama - e nānā i nā loiloi a me nā helu helu o nā hoʻolālā a me nā lawelawe i hāʻawi ʻia e nā hoʻolālā ma kāu wahi.
• Huakaʻi - E ʻike inā uhi ʻoe i ka hoʻolālā inā huakaʻi ʻoe i kahi mokuʻāina ʻē aʻe a i ʻole ma waho o ʻAmelika Hui Pū ʻIa.

No ke aʻo ʻana e pili ana iā Medicare, e aʻo e pili ana i nā hoʻolālā Medicare Advantage i loaʻa i kāu wahi, a hoʻohālikelike i nā kauka, nā haukapila, a me nā mea lawelawe ʻē aʻe i kou wahi, e hele i Medicare.gov - www.medicare.gov

Nā kikowaena no ka pūnaewele ʻo Medicare a me Medicaid. He aha ka Medicare? www.medicare.gov/what-medicare-covers/your-medicare-coverage-choices/whats-medicare. Loaʻa iā Pepeluali 2, 2021.

Nā kikowaena no ka pūnaewele ʻo Medicare a me Medicaid. He aha nā papa olakino Medicare e uhi ai. www.medicare.gov/what-medicare-covers/what-medicare-health-plans-cover. Loaʻa iā Pepeluali 2, 2021.

Nā kikowaena no ka pūnaewele ʻo Medicare a me Medicaid. Pākuʻi a me nā ʻinikua ʻē aʻe. www.medicare.gov/supplements-other-insurance. Loaʻa iā Pepeluali 2, 2021.

Stefanacci RG, Cantelmo JL. Mālama mālama ʻia no ʻAmelika kahiko. I: Fillit HM, Rockwood K, Young J, eds. ʻO Brocklehurst's Textbook of Geriatric Medicine a me Gerontology. 8th ed. Piladelapia, PA: Elsevier; 2017: chap 129.

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