Hoʻololi paha ka Medicare Advantage Plan i ka Medicare Original?

Anter

• ʻO Medicare kumu a me ka pono Medicare
• Medicare kumu
• Ka Lapaʻau Medicare
• Nā ʻokoʻa ʻē aʻe ma waena o Medicare kumu a me Medicare Advantage
• Uhi laulā
• Uhi lāʻau
• Pākuʻi hou
• Koho kauka
• Nā keu keu
• ʻĀpono mua no nā lawelawe a i ʻole nā ​​lako
• Uhi ʻia ʻoe ke hele ma waho o ka U.S.
• Pāka hoʻohālikelike i nā pono
• ʻOkoʻa ke kumukūʻai ma waena o Medicare kumu a me Medicare Advantage
• Nā kumu kūʻai o waho o ka ʻeke
• Palena makahiki
• Nā Premiums
• Lawe aku

ʻO Medicare Advantage, i ʻike ʻia ʻo Medicare Part C, kahi koho ʻē aʻe, ʻaʻole kahi pani no, Medicare kumu.

ʻO kahi hoʻolālā Medicare Advantage kahi hoʻolālā "āpau-i-hoʻokahi" e hoʻopili i ka Medicare ʻĀpana A, ʻĀpana B, a, maʻa mau, ʻĀpana D. Nui nā hoʻolālā Medicare Advantage e hāʻawi pū i nā pono e like me ka niho, ka hoʻolohe ʻana, a me ka ʻike i uhi ʻole ʻia e ke kumu Medicare.

Hāʻawi ʻia nā hoʻolālā Medicare Advantage e nā ʻoihana pilikino i ʻae ʻia e Medicare. Koi ʻia lākou e hāhai i nā lula i kau ʻia e Medicare.

Inā hoʻoholo ʻoe e hui i kahi papahana Medicare Advantage, loaʻa iā ʻoe ʻo Medicare akā ʻo ka hapa nui o kāu Medicare Part A (ʻinikua haukapila) a me Medicare Part B (ʻinikua lapaʻau) e hele mai ana mai ka Medicare Advantage plan, ʻaʻole ʻo Medicare kumu.

ʻO Medicare kumu a me ka pono Medicare

ʻO Medicare kumu a me Medicare Advantage nā ala nui ʻelua no ʻoe e kiʻi iā Medicare.

Medicare kumu

Loaʻa i ka Medicare kumu:

• Mahele A: noho ka haukapila maʻi, kekahi mālama olakino home, mālama ma kahi kahu hānai mākaukau, mālama hale hoʻokipa
• Māhele B: mālama mālama maʻi, nā lawelawe kaʻa kaʻahua, nā lako olakino, nā lawelawe a kekahi kauka, nā lawelawe pale

Ka Lapaʻau Medicare

Hoʻolālā nā papahana Lapaʻau Lapaʻau i nā mea āpau āpau i Medicare Part A a me ʻĀpana B, a me:

• Mahele D: kuhikuhi (ka hapanui o nā hoʻolālā)
• hoʻohui ʻē aʻe (kekahi mau hoʻolālā) e like me ka hihiʻo, ka niho, a me ka hoʻolohe ʻana

Nā ʻokoʻa ʻē aʻe ma waena o Medicare kumu a me Medicare Advantage

Uhi laulā

Me ka Medicare kumu, pono e uhi ʻia nā lawelawe pono a me nā lako pono i nā keʻena o nā kauka, nā halemai, a me nā hoʻonohonoho olakino ʻē aʻe.

Me ka Medicare Advantage, pono e uhi ʻia nā lawelawe olakino āpau e uhi ʻia ma o Medicare kumu.

Uhi lāʻau

Me Medicare kumu hiki iā ʻoe ke komo i kahi papahana ʻokoʻa D, kahi e hoʻopili ai no nā lāʻau.

Me Medicare Advantage, hele mai nā hoʻolālā he nui me ka ʻĀpana D i hoʻopili ʻia.

Pākuʻi hou

Me Medicare kumu, hiki iā ʻoe ke kūʻai i ka uhi kākoʻo, e like me ke kulekele Medigap, e kiʻi i kahi uhi hou aʻe no kāu hopohopo olakino.

Me nā hoʻolālā Medicare Advantage, ʻaʻole hiki iā ʻoe ke kūʻai a hoʻohana i ka uhi pāʻina kaʻawale. ʻO ia ke makemake ʻoe e hōʻoia i ka hoʻolālā āu e koho ai e uhi i kāu mau pono no ka mea ʻaʻohe ou koho e hoʻohui i nā mea hoʻopihapiha e hoʻonui i kāu uhi.

Koho kauka

Me Medicare kumu, hiki iā ʻoe ke hoʻohana i kekahi kauka a i ʻole haukapila i ka U.S. i lawe iā Medicare. I ka hapanui o nā hihia, ʻaʻole pono ʻoe i kahi mea kuhikuhi e ʻike ai i ka loea.

Me Medicare Advantage, koi ʻia ʻoe e hoʻohana i nā kauka i ka pūnaewele o ka hoʻolālā a pono paha ʻoe i kahi mea kuhikuhi e ʻike i kahi loea.

Nā keu keu

ʻAʻole hāʻawi ʻo Medicare Original i nā keu keu, e like me ka hihiʻo, ka niho, a me ka hoʻolohe ʻana. Ma kahi o, pono ʻoe e hoʻohui ma kahi pākuʻi e loaʻa ai kēia mau pono.

Hāʻawi kekahi mau hoʻolālā Medicare Advantage i nā pono hou aʻe.

ʻĀpono mua no nā lawelawe a i ʻole nā ​​lako

Me Medicare kumu, ʻaʻole pono ʻoe e ʻae i ka manawa ma mua o ka manawa no ka uhi ʻana o kahi lawelawe a lako paha.

Me Medicare Advantage, i mea e hōʻoia ai ua uhi ʻia kahi lawelawe a lako paha e ka hoʻolālā, koi ʻia ʻoe e ʻae mua i kekahi mau hihia.

Uhi ʻia ʻoe ke hele ma waho o ka U.S.

ʻAʻole uhi ka Medicare Original i ka mālama ma waho o ka U.S., akā hiki paha iā ʻoe ke kūʻai i kahi kulekele Medigap no ka uhi ʻana ma waho o ka U.S.

ʻAʻole uhi ka Medicare Advantage i ka mālama ma waho o ka U.S. a i ʻole mālama mālama pōpilikia ma waho o ka pūnaewele o ka hoʻolālā.

Pāka hoʻohālikelike i nā pono

ʻOkoʻa ke kumukūʻai ma waena o Medicare kumu a me Medicare Advantage

Nā kumu kūʻai o waho o ka ʻeke

Me Medicare kumu, ma hope o kou hālāwai ʻana me kāu unuhi ʻia, e uku maʻamau ʻoe i 20 pākēneka o ka Medicare i ʻāpono ʻia no nā lawelawe i uhi ʻia o ka Māhele B.

Me nā hoʻolālā Medicare Advantage loaʻa paha iā ʻoe nā kumukūʻai ma waho o ka ʻeke ma lalo o ka Medicare kumu no kekahi mau lawelawe.

Palena makahiki

Me Medicare kumu, ʻaʻohe palena o kēlā me kēia makahiki no nā koina o waho o ka ʻeke.

Me nā hoʻolālā Medicare Advantage aia kahi palena o kēlā me kēia makahiki no nā koina i waho o ka ʻeke no nā lawelawe i uhi ʻia e Medicare Part A a me ka ʻĀpana B. Ke hōʻea ʻoe i ka palena o kāu hoʻolālā, ʻaʻohe ou koina no ka lawelawe i uhi ʻia e ka ʻĀpana A a me ka ʻāpana B no ke koena o ka makahiki.

Nā Premiums

Me Medicare kumu, uku ʻoe i kahi uku no kēlā me kēia mahina no ka ʻĀpana B. Inā kūʻai ʻoe i ka ʻāpana D, e uku ʻokoʻa ʻia kēlā uku.

Me Medicare Advantage, hiki iā ʻoe ke uku i kahi uku no ka ʻāpana B me ka hoʻohui ʻana i kahi uku no ka hoʻolālā ponoʻī.

ʻO ka hapa nui o nā hoʻolālā Medicare Advantage e pili ana i ka uhi lāʻau lāʻau kuhikuhi, hāʻawi kekahi i kahi uku $ 0, a kōkua paha kekahi i ka uku ʻana i nā mea āpau a i kahi ʻāpana o kāu uku hapa B.

Lawe aku

ʻAʻole pani ka Medicare Advantage i Medicare kumu. Ma kahi o, Medicare Advantage kahi koho ʻē aʻe i Original Medicare. He ʻokoʻa ko kēia mau koho ʻelua a he koho maikaʻi aʻe paha kāu.

I mea e kōkua ai i kāu hoʻoholo ʻana, hiki iā ʻoe ke kiʻi i ka ʻike hou aku mai:

• ʻO Medicare.gov
• 1-800 Medicare (1-800-633-4227)
• Nā Polokalamu kōkua ʻinikua olakino mokuʻāina (SHIPS) o kou mokuʻāina.

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.