Mea Kākau: Randy Alexander
Lā O Ka Hana: 28 Apelila 2021
HōʻAno Hou I Ka Lā: 19 Iune 2024
Anonim
Hiki iaʻu ke kuapo mai Medicare Advantage i Medigap? - Ola Kino
Hiki iaʻu ke kuapo mai Medicare Advantage i Medigap? - Ola Kino

Anter

  • Kūʻai ʻia nā Medicare Advantage a me Medigap e nā ʻoihana inikua pilikino.
  • Hāʻawi lākou i nā pono Medicare i ka hoʻohui o ka uhi Medicare kumu.
  • ʻAʻole ʻoe e ʻae ʻia i loko o ka Medicare Advantage a me Medigap, akā hiki paha iā ʻoe ke hoʻololi ma waena o kēia mau hoʻolālā i kekahi mau manawa kau inoa.

Inā loaʻa iā ʻoe ka Medicare Advantage, hiki iā ʻoe ke hoʻololi iā Medigap i nā puka aniani kikoʻī. ʻO Medicare Advantage a me Medigap kekahi mau laʻana o nā ʻano ʻinikua like ʻole hiki iā ʻoe ke loaʻa - ʻaʻole ma ka manawa like.

Inā makemake ʻoe e hoʻololi mai Medicare Advantage i Medigap, eia ka mea e pono ai ʻoe e ʻike e hana ai.

He aha ka ʻokoʻa ma waena Medicare Advantage a me Medigap

ʻO Medicare Advantage a me Medigap nā ʻinikua Medicare ʻelua i hāʻawi ʻia e nā ʻoihana ʻinikua pilikino; akā naʻe, hāʻawi lākou i nā ʻano ʻokoʻa o ka uhi.


Hoʻololi ʻo Medicare Advantage (ʻĀpana C) i ke ʻano Medicare (ʻāpana A a me B), ʻoiai ʻo Medigap (Medicare supplement) hāʻawi i nā pōmaikaʻi e uhi ana i nā kumukūʻai mālama ola ma waho o ka ʻeke e like me copay, coinsurance, a me deductibles.

Hiki iā ʻoe ke kau inoa wale ʻia i kekahi Medicare Advantage a i ʻole Medigap - ʻaʻole ʻelua, no laila ke hoʻomaopopo nei i ka ʻokoʻa i kēia mau papahana Medicare ʻelua he mea nui ke kūʻai aku no kāu uhi Medicare.

He aha ka pono Medicare?

ʻIke ʻia ʻo Medicare Part C, hāʻawi ʻo Medicare Advantage i ka hoʻopili like ʻana ma kahi o Medicare kumu - Medicare Part A (haukapila a i ʻole ka noho maʻi maʻi), a me Medicare Part B (nā lawelawe olakino a me nā lako lako uhi. Hoʻokomo pū paha nā hoʻolālā Medicare Advantage i ka lāʻau Medicare Part D i ka lāʻau lāʻau e like me ka uhi keu no nā mea e like me ka niho, ʻike, lohe, a me nā mea hou aʻe.

ʻIke kekahi poʻe i ka hoʻopili ʻana i nā lawelawe i hoʻokahi mahina maʻalahi ka maʻalahi o ka hoʻomaopopo ʻana a ʻoi aku ka maikaʻi o ke kumu kūʻai, a hauʻoli ka poʻe he nui i nā lawelawe keu i hāʻawi ʻia e kekahi Medicare Advantage plan.


Kaukaʻi ʻia i ka ʻoihana a hoʻolālā ʻoe e koho ai, nui nā hoʻolālā Medicare Advantage e kaupalena i nā mea lawelawe olakino hiki iā ʻoe ke komo i nā mea i loko o kā lākou pūnaewele. E lilo ka Medicare Advantage i mea ʻoi aku ka paʻakikī ma mua o Medicare kumu inā pono ke ʻike kahi kanaka me kahi hoʻolālā Medicare Advantage e ʻike i nā loea lapaʻau.

Nā mea maikaʻi o kahi Medicare Advantage Plan

  • Hiki paha i nā Medicare Advantage Plans ke uhi i kekahi mau lawelawe ʻo Medicare kuʻuna ʻaʻole, e like me ka hihiʻo, kahua niho, a i ʻole nā ​​polokalamu pono.
  • Hāʻawi paha kēia mau hoʻolālā i nā pūʻolo i hoʻohālikelike ʻia i ka poʻe me kekahi ʻano olakino hoʻomau e pono ai nā lawelawe.
  • Hoʻopili kēia mau hoʻolālā i ka uhi lāʻau lāʻau.
  • Hiki ke hoʻemi ʻia ke kumukūʻai ʻo Medicare Advantage Plans inā pono wale ke kanaka e ʻike i ka papa inoa o nā kauka i ʻae ʻia i ka papahana Medicare Advantage.

Nā mea maikaʻi ʻole o ka Medicare Advantage Plan

  • Hiki i kekahi mau hoʻolālā ke kaupalena i nā kauka hiki iā ʻoe ke ʻike, a ʻo ia ka hopena i nā lilo o waho o ka ʻeke inā ʻike ʻoe i ke kauka ʻaʻole i loko o ka pūnaewele.
  • ʻO kekahi poʻe e maʻi nui nei e ʻike paha i ka Medicare Advantage pipiʻi loa ma muli o nā kumukūʻai o waho o ka ʻeke a pono e ʻike i nā mea hoʻolako i kūpono ʻole ma lalo o kahi hoʻolālā.
  • ʻAʻole paha i loaʻa kekahi mau hoʻolālā ma muli o ka helu wahi o ke kanaka.

Hiki iā ʻoe ke hui pū me ka Medicare Advantage ma hope o ka makahiki 65 a ma hope o kou kākau inoa ʻana i Medicare Part A a me B. Inā loaʻa ʻoe i ka maʻi hōʻeha hope loa (ESRD), hiki iā ʻoe ke hui maʻamau i kahi papahana Medicare Advantage kūikawā i kapa ʻia he Plan Pono Pono (SNP ).


He aha ʻo Medigap?

ʻO nā hoʻolālā kōkua Medicare, i kapa ʻia ʻo Medigap, kahi koho ʻinikua e kōkua ai i ka uhi ʻana i nā kumukūʻai mālama ola ma waho o ka ʻeke e like me ka coinsurance, copays, a me.

Kūʻai ʻia nā hoʻolālā Medigap e nā ʻoihana inikua pilikino, a inā ʻaʻole ʻoe e kūʻai i kāu hoʻolālā Medigap ma mua o Ianuali 1, 2006, ʻaʻole lākou e uhi i nā lāʻau i kuhikuhi ʻia. Inā koho ʻoe iā Medigap, pono ʻoe e kākau inoa i kahi papahana Medicare Part D e loaʻa ai ka uhi lāʻau lāʻau.

ʻO ke kulekele Medigap kahi mea kōkua i kāu Medicare Part A a me ka ʻĀpana B pōmaikaʻi. E uku nō ʻoe i kāu uku Medicare Part B me ka hoʻohui i kāu uku Medigap.

Nā mea maikaʻi o kahi hoʻolālā Medigap

  • Hoʻonohonoho ʻia nā hoʻolālā Medigap, ʻo ia hoʻi inā neʻe ʻoe, hiki iā ʻoe ke mālama i kāu uhi. ʻAʻole pono ʻoe e ʻike i kahi hoʻolālā hou e like me kāu hana maʻamau me Medicare Advantage.
  • Hiki i nā hoʻolālā ke kōkua i nā kumukūʻai mālama ola e uku ʻole ai ʻo Medicare, kahi e hōʻemi ai i ka ukana kālā mālama ola o kekahi kanaka.
  • ʻOiai ʻoi aku ka uku o nā hoʻolālā Medigap ma ka mua ma mua o nā hoʻolālā Medicare Advantage, inā maʻi nui kekahi kanaka, hiki iā lākou ke hōʻemi i nā kumukūʻai.
  • ʻAe ʻae ʻia nā hoʻolālā Medigap ma nā pono āpau e lawe iā Medicare, e hoʻemi ana iā lākou ma mua o nā hoʻolālā Medicare Advantage.

Nā mea maikaʻi ʻole o kahi hoʻolālā Medigap

  • Pono nā hoʻolālā Medigap e uku i kahi uku inikua hou aku, he mea huikau paha no kekahi poʻe.
  • ʻOi aku ka kiʻekiʻe o ka uku mahina ma mua o Medicare Advantage.
  • Hoʻolālā F, kekahi o nā hoʻolālā Medigap i makemake nui ʻia, e uhi ana i nā lilo ma waho o ka ʻeke. E hala ana i ka 2020 no nā mea loaʻa hou iā Medicare. Hoʻopili paha kēia i ka kaulana o nā hoʻolālā Medigap.

Hoʻohālikelike ʻia nā kulekele Medigap e Medicare. ʻO kēia ka mea hiki iā ʻoe ke koho mai nā ʻano kulekele like like ma waena o ka ʻāina. Eia nō naʻe, hiki i nā ʻoihana ʻinikua ke hoʻokau i nā kumukūʻai like ʻole no nā kulekele Medigap. ʻO kēia ke kumu e uku ai e hoʻohālikelike i nā koho ke kūʻai aku no Medigap. Hoʻohana nā hoʻolālā kōkua Medicare i nā leka e like me nā inoa. Loaʻa nā hoʻolālā he 10 i kēia manawa: A, B, C, D, F, G, K, L, M, a me N.

Inā ʻaʻole ʻoe i kūʻai i kāu hoʻolālā Medigap ma mua o 2020, pono ʻoe i ka Medicare Part D a makemake ʻoe makemake i ka lāʻau lāʻau kuhikuhi.

Āhea wau e hoʻololi ai mai Medicare Advantage i Medigap?

Koi aku kekahi mau mokuʻāina i nā ʻoihana ʻinikua e kūʻai aku ma ke ʻano hoʻokahi o ke kulekele Medigap i ka poʻe ma lalo o ka makahiki 65 i kūpono i Medicare. ʻAʻohe paha nā mokuʻāina ʻē aʻe i loaʻa nā hoʻolālā Medigap i ka poʻe ma lalo o ka makahiki 65 i loaʻa iā Medicare.

Hiki iā ʻoe ke kūʻai i kahi kulekele Medigap i ka manawa o ke kau inoa inoa ʻeono mau mahina i kū ma hope o kou huli ʻana i ka makahiki 65 a ua kau inoa ʻoe i ka Medicare Part B. Inā ʻaʻole ʻoe e kākau inoa i kēia manawa, hiki i nā ʻoihana inikua ke hoʻonui i nā uku mahina.

Hiki iā ʻoe ke hoʻololi wale mai Medicare Advantage iā Medigap i nā manawa nui o ka makahiki. Eia kekahi, i mea e kau inoa ai i Medigap, pono ʻoe e hoʻopaʻa inoa hou i ka Medicare kumu.

Nā manawa ke hiki iā ʻoe ke hoʻololi mai Medicare Advantage i Medigap pū me:

  • Hoʻonohonoho inoa wehe Medicare Advantage (Ianuali 1 – Malaki 31). He hanana makahiki kēia i loko o ia manawa, inā ʻoe i ʻae ʻia i Medicare Advantage, hiki iā ʻoe ke hoʻololi i nā hoʻolālā Medicare Advantage a i ʻole waiho i kahi hoʻolālā Medicare Advantage, hoʻi i Medicare kumu, a noi no kahi hoʻolālā Medigap.
  • Wehe inoa komo (ʻOkakopa 15 – Kekemapa 7). Kāhea ʻia i kekahi manawa ʻo ke kau inoa makahiki (AEP), hiki iā ʻoe ke kākau inoa i kekahi hoʻolālā Medicare, a hiki iā ʻoe ke hoʻololi mai Medicare Advantage hoʻi i Medicare kumu a noi no kahi hoʻolālā Medigap i kēia wā.
  • Wā kākau inoa kūikawā. Hiki paha iā ʻoe ke haʻalele i kāu hoʻolālā Advantage inā ʻoe e neʻe ana a ʻaʻole hāʻawi ʻia kāu papahana Medicare Advantage i kāu code zip hou.
  • ʻO ka wā hoʻokolokolo Medicare Advantage. ʻO nā mahina he 12 ma hope o ke kākau inoa ʻana ma Medicare Advantage ʻike ʻia ʻo ia ka wā hoʻokolokolo Medicare Advantage, inā ʻo kēia kou manawa mua e loaʻa ai kahi hoʻolālā Advantage, hiki iā ʻoe ke hoʻi hou i Medicare kumu a noi no Medigap.

Nā ʻōlelo aʻoaʻo no ke koho ʻana i kahi hoʻolālā Medicare

  • E hoʻohana i nā pūnaewele e like me Medicare.gov e hoʻohālikelike i ka uku o nā hoʻolālā.
  • Kāhea i ka 'inikua' inikua o kou moku'āina e ʻike inā he kipi kāu e noʻonoʻo ai.
  • E kamaʻilio me kāu mau hoaaloha Medicare Advantage a i ʻole Medigap a ʻike i nā mea a lākou e makemake a makemake ʻole ai.
  • Kāhea aku i kāu poʻe lawelawe lapaʻau makemake e ʻike inā lawe lākou i kahi hoʻolālā Medicare Advantage āu e loiloi nei.
  • Loiloi i kāu moʻohelu kālā e hoʻoholo ai i ka nui o kāu e noʻonoʻo pono ai e uku i kēlā me kēia mahina.

ʻO ka lawe lawe ʻana

  • ʻO nā papahana Medicare Advantage a me Medigap nā ʻāpana o Medicare i hiki ke hoʻolilo i ka uhi olakino i mea kumukūʻai.
  • ʻOiai ke koho ʻana i hoʻokahi a i ʻole nā ​​mea ʻē aʻe e koi pinepine ai i kahi noiʻi a me ka manawa, hiki i kēlā me kēia mea ke mālama iā ʻoe i ke kālā i nā kumukūʻai mālama ola inā pono e ala.
  • Inā ʻaʻole ʻoe e maopopo kahi e hoʻomaka ai, e kāhea iā 1-800-MEDICARE a hiki i nā ʻelele Medicare ke kōkua iā ʻoe e ʻike i nā kumuwaiwai āu e makemake ai.

Hiki i ka ʻikepili ma kēia pūnaewele ke kōkua iā ʻoe i ka hoʻoholo ʻana pilikino e pili ana i ka ʻinikua, akā ʻaʻole ia i manaʻo ʻia e hāʻawi i nā ʻōlelo aʻoaʻo e pili ana i ke kūʻai a hoʻohana ʻana i nā huahana ʻinikua a me nā ʻinikua paha. ʻAʻole lawelawe ʻo Healthline Media i ka ʻoihana ʻinikua i kekahi ʻano a ʻaʻohe laikini ma ke ʻano he ʻinikua a i ʻole mea hana i kēlā me kēia mana o U.S. ʻAʻole koi a kākoʻo ʻo Healthline Media i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.

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