Uhi anei ʻo Medicare i ke ʻoki kino?

Anter

• Ka lāʻau Medicare no ke ʻoki ʻana i hope
• Medicare Māhele A (ʻinikua haukapila)
• Medicare Māhele B (ʻinikua olakino)
• Ehia nā kumukūʻai o ke kīʻaha hope me Medicare?
• Nā laʻana o ke kumukūʻai o ke ʻoki kua
• Uhi anei ʻo Medicare i nā ʻano ʻoki āpau?
• Lawe aku

Inā manaʻo ʻia kāu ʻoki kua e kauka, Medicare kumu (Māhele A a me ʻĀpana B) e uhi maʻamau iā ia.

Inā ʻike ʻoe i ka ʻeha o ke kua, e kamaʻilio me kāu kauka e pili ana i ka lāʻau i koi ʻia e komo pū paha:

• nā diagnostics
• lāʻau lapaʻau
• hoʻōla kino
• ʻoki kino

Hiki iā lākou ke hōʻike iā ʻoe no ke aha lākou e manaʻo ai he pono kēia mau kaʻina hana a inā ua uhi ʻia lākou e Medicare.

Ka lāʻau Medicare no ke ʻoki ʻana i hope

ʻO ka laulā Medicare no ke ʻoki kua hoʻi e aniani maʻamau no ka ʻoki ʻana i nā lāʻau lapaʻau e pono ai, nā noho ʻana o ka haukapila, a me nā ukali.

Medicare Māhele A (ʻinikua haukapila)

Mahele Medicare A uhi ka mālama maʻi maʻi maʻi, e hāʻawi ana i:

• ʻae ka haukapila iā Medicare
• ʻae ʻia ʻoe no ke kauoha a ke kauka aupuni e hōʻike ana he pono kāu e mālama i ka haukapila maʻi

Hiki paha iā ʻoe ke ʻae no kou noho haukapila mai ke Kōmike loiloi ʻo Utilization Review o ka haukapila.

ʻO ka uhi maʻi mālama maʻi maʻi Medicare:

• nā lumi semi-pilikino (kahi lumi pilikino inā pono pono olakino)
• hānai nui (ʻaʻole kahu hānai pilikino)
• nā meaʻai
• lāʻau (e like me ka mahele o ka inpatient lapaʻau)
• nā lawelawe a me nā lako pono i ka haukapila maʻamau (ʻaʻole mālama i nā mea pilikino e like me nā kākini paheʻe a i ʻole nā ​​pahi kaua)

Medicare Māhele B (ʻinikua olakino)

Mahele B Medicare uhi i nā lawelawe a kāu kauka i kou wā e noho ai ka haukapila a me nā lawelawe o waho ma hope o kou hoʻokuʻu ʻia ʻana mai ka haukapila.ʻInikua ʻē aʻe, e like me ka Medicare Supplement plan (Medigap), Medicare Part D (lāʻau lāʻau kuhikuhi), a i ʻole Medicare Advantage plan i loaʻa iā ʻoe ke kūpono ʻoe no Medicare.

Inā loaʻa iā ʻoe kēia ʻano ʻinikua hou aʻe me Medicare, e hopena ia i ke kumukūʻai āu e uku ai no kāu ʻoki kua a me ka hoʻihoʻi ʻana.

Ehia nā kumukūʻai o ke kīʻaha hope me Medicare?

He paʻakikī e hoʻoholo i nā koina kikoʻī ma mua o ke kāʻei hope, no ka mea ʻaʻole ʻike ʻia nā kikoʻī o nā lawelawe āu e pono ai. ʻO kahi laʻana, pono paha ʻoe i kahi lā keu i ka haukapila ma mua o ka mea i wānana ʻia.

E koho i kāu koina:

• E noi i kāu kauka a me ka haukapila pehea ka nui o ko lākou manaʻo e uku ʻoe no kāu ʻoki kino a me kāu mālama ʻana. E nānā inā ʻike ʻia nā lawelawe i uhi ʻole ʻia e Medicare.
• Inā he ʻinikua ʻē aʻe ʻoe, e like me kahi kulekele Medigap, e hoʻopili aku iā lākou e ʻike i ka ʻāpana o nā kumukūʻai a lākou e uhi ai a me ka mea a lākou e manaʻo ai e uku ʻoe.
• E hōʻoia i kāu moʻokāki Medicare (MyMedicare.gov) e ʻike ai inā ua hālāwai ʻoe me kāu ʻoki A a me ʻĀpana B i unuhi ʻia.

Hāʻawi kēia pākaukau i kahi laʻana o nā kumukūʻai hiki:

ʻO ka ʻāpana Medicare ʻĀpana kālā he $ 0 no nā lā 1 a 60 i kēlā me kēia pono.

Nā laʻana o ke kumukūʻai o ke ʻoki kua

Hāʻawi ka pūnaewele Medicare.gov i nā kumukūʻai o kekahi mau kaʻina hana i loaʻa. ʻAʻole pili kēia mau kumukūʻai i nā uku kauka a hoʻokumu ʻia i nā averika Medicare aupuni mai 2019.

Hiki i kēia pākaukau ke hāʻawi iā ʻoe i kahi hōʻailona o ka mea āu e uku ai no kekahi o nā lawelawe e pili ana i kahi kaʻina ʻoki lāʻau ma kou kua.

Uhi anei ʻo Medicare i nā ʻano ʻoki āpau?

ʻOiai ʻo Medicare ka uhi maʻamau i nā lāʻau lapaʻau e pono ai, e nānā me kāu kauka e maopopo e uhi ana ʻo Medicare i ke ʻano o ke ʻoki a lākou e paipai nei.

ʻO nā ʻano maʻamau o ke ʻoki kua ke:

• diskectomy
• laminectomy spinal / decompression ʻōiwi
• vertebroplasty a me kyphoplasty
• hoʻopau kōpili nucleoplasty / plasma
• foraminotomy
• hoʻohuihui ʻōiwi
• pāpaʻi hana

Lawe aku

Inā hōʻike kāu kauka he pono nā lāʻau lapaʻau iā ʻoe, maʻamau e uhi ʻia ia e Medicare kumu (ʻĀpana A a me ʻĀpana B).

Ke hoʻoholo nei i ke kumukūʻai o ke kua ʻana iā ʻoe ma hope o ka uku ʻana o Medicare paʻakikī no ka mea ʻaʻole ʻike ʻia nā lawelawe āu e komo ai.

Hiki i kāu kauka a me ka haukapila ke hāʻawi i kekahi mau koho loiloi.

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.