Uhi ʻia nā hoʻolālā maikaʻi Medicare i ka huakaʻi International?

Anter

• ʻO ka uhi Medicare kumu ma waho o ʻAmelika Hui Pū ʻIa
• ʻO ka uhi Medicare Advantage ma waho o ʻAmelika Hui Pū ʻIa
• ʻO Medigap ka uhi ma waho o ʻAmelika Hui Pū ʻIa
• ʻO wai nā hoʻolālā Medicare e hāʻawi i ka uhi no ka huakaʻi honua ma 2020?
• ʻInikua ʻē aʻe no ka huakaʻi kau honua
• Uhi ʻia ʻoe e Medicare inā huakaʻi ʻoe i Pokoliko?
• ʻO ka lawe lawe ʻana

Ke hiki i ka manawa e kākau inoa ai i Medicare, nui nā mea e noʻonoʻo ai. ʻO kāu mau huakaʻi huakaʻi e hiki mai ana kekahi o lākou. Inā ʻoe e noʻonoʻo ana i ka huakaʻi kau honua i ka makahiki e hiki mai ana, hiki i ia ke hopena i kāu koho ʻinikua olakino a me nā hoʻoholo Medicare.

ʻO Medicare ponoʻī ʻaʻole uhi uhi huakaʻi. Eia nō naʻe, hoʻolālā kekahi Medicare Advantage (ʻĀpana C) Mei uhi i kekahi mau pilikia kūpilikiʻi inā kū lākou ma waho o ʻAmelika Hui Pū ʻIa. I ka hapanui o nā hihia, pono ʻoe i ka ʻinikua huakaʻi kākoʻo.

Inā ʻoe e hoʻolālā e huakaʻi i waho o ka ʻāina, he mea maikaʻi e nānā i nā kikoʻī o kāu Medicare o kēia manawa a i ʻole nā ​​hoʻolālā ʻinikua pilikino pilikino e ʻike inā uhi ʻia ʻoe inā pilikia.

Inā ʻaʻole ʻoe e uhi ʻia no ka huakaʻi honua, hiki iā ʻoe ke ʻimi i nā koho ʻē aʻe e kōkua i ka hoʻopihapiha ʻana i nā āpau i kāu uhi ʻana. E ʻimi mākou i kāu mau koho, me nā hoʻolālā kōkua Medicare (Medigap), ka ʻinikua huakaʻi pōkole, a i ʻole ka uhi lōʻihi ma o Medicare Advantage.

ʻO ka uhi Medicare kumu ma waho o ʻAmelika Hui Pū ʻIa

ʻO Medicare kahi pale olakino no nā ʻAmelika he 65 a ʻoi paha makahiki. Ua wāwahi ʻia ka papahana aupuni i ʻehā mau māhele: A, B, C, a me D.

ʻAʻole kau inoa inoa ʻia ʻoe i kēia mau polokalamu - pono ʻoe e kau inoa i nā wā kau inoa. Hiki iā ʻoe ke koho i nā hoʻolālā maikaʻi loa no kāu olakino.

Kau inoa ka hapa nui o nā ʻAmelika no nā ʻāpana Medicare A a me B. I mea e kūpono ai no ka uhi ʻana o Medicare ʻē aʻe, pono ʻoe e kākau inoa ʻia i nā ʻāpana A a me B.

ʻO Medicare ʻĀpana B he ʻano lāʻau lapaʻau kuʻuna e uhi i ka mālama maʻi maʻi. Hāʻawi ʻo Medicare Part A i ka uhi o ka haukapila. Inā makemake ʻoe i ka uhi lāʻau lāʻau, a laila e noʻonoʻo paha ʻoe e kau inoa no ka Medicare Part D.

ʻO ka uhi Medicare Advantage ma waho o ʻAmelika Hui Pū ʻIa

ʻO Medicare Advantage (ʻĀpana C) kahi ala ʻē aʻe e kiʻi ai i kāu uhi Medicare. Kaukaʻi ʻia i kāu hoʻolālā āu e koho ai, hiki i kāu hoʻolālā ke hoʻopili i ka hihiʻo, ka hoʻolohe ʻana, ka niho, a me ka uhi lāʻau lāʻau kuhikuhi.

Hoʻolālā ka hoʻolālā Medicare Advantage iā ʻoe i nā kauka a me nā pono hana i loko o kahi Health Maintenance Organization (HMO) a i ʻole Preferred Provider Organization (PPO) a ʻaʻole paha e uhi i ka mālama o waho o ka pūnaewele.

No ke kūʻai ʻana i kahi hoʻolālā Medicare Advantage, pono ʻoe e kākau inoa ʻia i nā ʻāpana Medicare A a me B. Coverage ma o kahi Medicare Advantage plan e hāʻawi ʻia ma o kahi hoʻolālā ʻinikua pilikino.

Hoʻolako paha nā hoʻolālā Medicare Advantage i kahi uhi hou, e like me ke huakaʻi ʻoe.

ʻAʻohe kānāwai e kuhikuhi ana inā e uhi ʻia ʻo Medicare Advantage i kahi pākēneka o nā bila haukapila haole.

He mea nui e nānā me kāu ʻoihana inikua ma mua o kou huakaʻi e ʻike i ka nui, inā loaʻa, uhi kāu hoʻolālā pākahi i nā pilikia olakino kūwaho.

ʻO Medigap ka uhi ma waho o ʻAmelika Hui Pū ʻIa

ʻO Medigap kahi inikua kōkua i hāʻawi ʻia ma o ka papahana Medicare. He ʻokoʻa ia mai nā Medicare Advantage hoʻolālā i kēlā ʻaʻole uhi i nā mea e like me ka mālama wā lōʻihi, hihiʻo, niho, kōkua kōkua, maka aniani, a kahu hānai pilikino paha.

ʻO Medigap kahi koho ʻinikua pilikino ʻē aʻe ma waena o Medicare i hoʻolālā ʻia e kōkua i ka uhi ʻana i nā kumukūʻai e like me nā deductibles, copays, a me nā lawelawe lapaʻau ʻē aʻe ʻaʻole i uhi ʻia e nā ʻāpana Medicare ʻē aʻe.

Hāʻawi nā hoʻolālā Medigap i ka uhi no ka mālama e pili ana i nā ulia pōpilikia e kū nei ʻoiai ʻoe ma waho o ʻAmelika Hui Pū ʻIa. Hoʻohana pinepine ʻia kēia ʻano ʻinikua e hoʻolako i ka uhi i ka wā o ka huakaʻi kau honua.

Hiki iā Medigap ke kōkua i ke hoʻihoʻi i nā deductibles kiʻekiʻe a me nā copay no ka ʻinikua ʻoiai ʻoe e huakaʻi ana. I ka ʻoiaʻiʻo, kaukaʻi ʻia i kāu hoʻolālā āu e koho ai, hiki iā Medigap ke uhi a hiki i ka 80 pākēneka o nā ulia pōpilikia kūwaho ke hālāwai ʻoe me kāu hoʻoliʻiliʻi a aia ʻoe i loko o ka palena palena o kāu kulekele.

ʻO wai nā hoʻolālā Medicare e hāʻawi i ka uhi no ka huakaʻi honua ma 2020?

Hāʻawi paha nā hoʻolālā Medicare Advantage i ka nui o ka honua no ka mea aia lākou ma o nā mea lawelawe pilikino. Eia naʻe, ʻaʻole hāʻawi nā hoʻolālā āpau i ka pale like.

Hāʻawi pū nā hoʻolālā Medigap i ka uhi ʻana ma waena o ka honua Pono ʻoe e kākau inoa ʻia i nā ʻāpana Medicare A a me B e hiki ai ke lilo i Medigap. Ma muli o ka hāʻawi ʻia ʻana o Medigap ma o nā ʻoihana ʻinikua pilikino, ʻo ka nui o ka mālama olakino kūwaho, inā loaʻa, e pili ana i ka hoʻolālā kikoʻī āu e kūʻai ai.

Inā ʻoe e hoʻolālā i ka huakaʻi pinepine ʻana, makemake paha ʻoe e uku hou i mua no kahi Medicare Advantage a i ʻole Medigap hoʻolālā e uhi i nā kumukūʻai mai kou mokuʻāina home a i ʻole ka ʻāina.

• Hoʻomaka mua. E hoʻomaka i ka huli ʻana i kāu koho Medicare plan i kekahi mau mahina ma mua huli ʻoe i 65.
• E hōʻiliʻili i nā palapala i koi ʻia. Ma ka liʻiliʻi, pono ʻoe i kāu palapala laikini, ka palapala mālama kaiaulu, a me ka palapala hānau. Pono paha ʻoe i kope o kahi palapala W-2 inā ʻoe e hana nei.
• Hoʻomaopopo i kāu pono olakino o kēia manawa. ʻIke i ka manawa pinepine āu e ʻike ai i ke kauka i kēlā me kēia makahiki, ehia mau lāʻau lapaʻau āu e lawe ai, a me nā pono olakino kūikawā āu.
• E ʻike i kāu moʻohelu kālā. E noʻonoʻo inā makemake ʻoe e hoʻolilo kālā hou no nā pono hou aʻe e hāʻawi ʻia i kahi hoʻolālā Medicare Advantage (ʻĀpana C).
• E noʻonoʻo i kāu hoʻolālā huakaʻi. Inā ʻoe e hoʻolālā ana i ka huakaʻi nui ʻana, e noʻonoʻo i kahi uhi Medigap hou aʻe.

ʻInikua ʻē aʻe no ka huakaʻi kau honua

Inā ʻoe ma kahi moʻohelu kālā, ʻo kahi koho ʻē aʻe e kiʻi i ka ʻinikua huakaʻi huakaʻi. ʻAʻole kēia he inikua olakino, akā ma kahi o kahi hoʻolālā wā pōkole e uhi ana i nā ulia pōpilikia ʻoiai ʻoe ma waho o ka ʻāina. Hiki paha iā ʻoe ke kūʻai i ka inikua wā pōkole ma o ka mea hoʻolālā huakaʻi.

ʻO ka hopu e pono ai ʻoe e kūʻai i ka uhi ma mua o ka manawa no kahi ala hele i kuhikuhi ʻia. ʻAʻole hiki iā ʻoe ke kūʻai i ka inikua o ka mea huakaʻi ke haʻalele mua ʻoe i ka ʻāina.

Eia kekahi, ʻaʻole uhi nā hoʻolālā āpau i nā kūlana preexisting. Inā loaʻa iā ʻoe nā olakino olakino, e nānā pono i nā hoʻokoe ma mua o kou kūʻai ʻana i ka ʻinikua huakaʻi.

Uhi ʻia ʻoe e Medicare inā huakaʻi ʻoe i Pokoliko?

ʻO Puerto Rico kahi mokuʻāina ʻo U.S., no laila e uhi kāu hoʻolālā Medicare i kāu huakaʻi i ka mokupuni. Ua kūpono hoʻi nā kamaʻāina o Pokoliko no Medicare.

Pili nā kānāwai like i nā ʻāina ʻē aʻe o U.S., me:

• ʻAmelike ʻAmelike
• Guama
• Nā Mokupuni Mariana ʻĀkau
• Nā Mokupuni ʻAmelika Hui Pū ʻIa

ʻO ka lawe lawe ʻana

Inā ʻoe e huakaʻi, hiki i nā hoʻolālā Medicare Advantage (ʻĀpana C) ke ʻoi aku ka maikaʻi ma mua o nā ʻāpana Medicare A a me B no ʻoe. Eia nō naʻe, ʻoiai he mau ʻinikua pilikino kēia, ʻaʻole uhi pilikino ʻo Medicare Advantage i nā kumukūʻai i ka wā o ka huakaʻi holo honua.

He mea nui e loiloi i kāu kulekele ma mua o kou huakaʻi a noʻonoʻo i ka uhi kākoʻo me Medigap a i ʻole ʻinikua huakaʻi inā hopohopo ʻoe e pili ana i ke kumukūʻai kūpono o ka mālama olakino ʻoiai ʻoe ma waho o ka ʻāina.

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.