ʻEleu i lalo: uhi ʻo Medicare iā Dental?

Anter

• Āhea uhi ʻia ka mālama niho e ka Medicare kumu?
• Medicare Advantage (ʻĀpana C) a me ka uhi niho
• E kōkua anei ka uhi Medigap i ka uku no nā lawelawe kahua niho?
• Ehia nā kumukūʻai o ka hōʻike hōʻike niho?
• ʻO nā hoʻolālā Medicare kahi e ʻoi aku ka maikaʻi inā ʻoe ʻike ʻoe pono i nā lawelawe kahua niho?
• Ke hoʻohālikelike nei i nā hoʻolālā Medicare no ka uhi niho
• Nā koho pale pale niho ʻē aʻe
• No ke aha he mea nui e ʻike i ka uhi niho maikaʻi ke hele a ʻelemakule ʻoe
• Ke laina lalo

ʻO nā ʻāpana Medicare kumu A (mālama haukapila) a me B (mālama olakino) ʻaʻole pili pū i ka uhi niho. ʻO ia ka manaʻo kumu (a i ʻole "maʻamau") ʻaʻole uku ʻo Medicare no nā lawelawe maʻamau e like me nā hoʻokolohua niho, hoʻomaʻemaʻe, hemo ʻana o nā niho, nā aʻa aʻa, nā implants, nā lei aliʻi, a me nā alahaka.

ʻAʻole uhi nā ʻāpana Medicare A a me B i nā lako kahua niho e like me nā pā, nā niho, nā pono ʻoihana orthodontic, a i ʻole nā ​​mea mālama.

Eia nō naʻe, kekahi o nā hoʻolālā Medicare Advantage, i ʻike ʻia ma ke ʻano Medicare Part C, hoʻokomo i ka uhi no. Loaʻa nā kumukūʻai a me nā kikoʻī i kēlā me kēia hoʻolālā pehea e hoʻohana ai i ka pōmaikaʻi.

E heluhelu e ʻike hou aʻe e pili ana i kāu koho niho pale ma o Medicare.

Āhea uhi ʻia ka mālama niho e ka Medicare kumu?

ʻOiai ʻaʻole uhi ka Medicare kumu i ka mālama niho, aia kekahi mau hoʻoleʻaleʻa kūpono. Inā makemake ʻoe i ka mālama niho no kahi maʻi a ʻeha paha e koi ai i kahi noho haukapila, e uhi ʻia kāu mālama niho.

ʻO kahi laʻana, inā ʻoe e hina a haki i kou ā, Medicare e kūkulu hou i nā iwi i kou iwi ā.

Uhi ʻia kekahi mau kaʻina hana paʻakikī inā hana ʻia lākou i ka haukapila, akā inā lākou e uhi ʻia e ka ʻāpana A a ʻo ka ʻāpana B e hoʻoholo ʻia e ka mea nāna e hāʻawi ka lawelawe.

E uku paha ʻo Medicare no kāu mālama inā pono ʻoe i nā lawelawe niho no ka maʻi ʻaʻai waha a i ʻole nā ​​maʻi uhi ʻē aʻe.

Hoʻohui ʻia, uku paha ʻo Medicare no ka unuhi ʻana o nā niho inā manaʻo kāu mau kauka he pono e hemo i ka niho ma mua o ka puʻuwai puʻuwai, radiation radiation, a i ʻole kekahi hana i uhi ʻia.

Medicare Advantage (ʻĀpana C) a me ka uhi niho

Hāʻawi ʻia nā hoʻolālā Medicare Advantage e nā ʻoihana inikua pilikino i ʻae ʻia e Medicare. ʻO kēia mau hoʻolālā he ʻokoʻa i ka Medicare kumu. Uku pinepine lākou no nā lawelawe i uhi ʻole ʻia e nā ʻāpana Medicare kumu A a me B.

Me kēia ʻano hoʻolālā, pono paha ʻoe e uku i kahi uku no kēlā me kēia mahina a i ʻole kahi uku hoʻolimalima kālā. Pono ʻoe e nānā inā aia kāu kauka niho i ka pūnaewele o ka hoʻolālā no ka lawelawe e uhi ʻia.

Nui a hewahewa nā ala e ʻike ai inā uhi kahi hoʻolālā Medicare Advantage kikoʻī i ka mālama niho. Loaʻa iā Medicare kahi Loaʻa i kahi papahana Medicare Plan e hōʻike iā ʻoe i nā hoʻolālā āpau i loaʻa i kāu wahi a me nā mea a lākou e uhi ai, e pili ana inā uhi lākou i ka niho. ʻO nā hoʻolālā Advantage he nui me nā pono niho.

E hoʻoholo inā pili kāu papa Medicare Part C me ka uhi niho, hiki iā ʻoe ke kamaʻilio me kahi lunamakaʻāinana mai ka ʻinikua a i ʻole e heluhelu i nā kikoʻī i loko o ka palapala Evidence of Coverage (EOC) i loaʻa iā ʻoe i kou wā i kākau inoa ai i ka hoʻolālā.

E kōkua anei ka uhi Medigap i ka uku no nā lawelawe kahua niho?

ʻO ka maʻamau, kōkua ka uhi Medigap iā ʻoe e uku no nā copay a me nā deductibles e pili ana i nā lawelawe i uhi ʻia e Medicare kumu. ʻO ka hapa nui o ka manawa, ʻaʻole hāʻawi ʻo Medigap i ka uhi no nā lawelawe keu e like me ka mālama niho.

Ehia nā kumukūʻai o ka hōʻike hōʻike niho?

Aia i kāu wahi e noho ai, hiki ke uku ʻia i ka hoʻomaʻemaʻe niho ʻana i kēlā me kēia makahiki ma waena o $ 75 a $ 200. Hiki ke kiʻekiʻe aʻe kēlā kumukūʻai inā ʻoe e hoʻomaʻemaʻe hohonu a i ʻole nā ​​kukuna X.

ʻO nā hoʻolālā Medicare kahi e ʻoi aku ka maikaʻi inā ʻoe ʻike ʻoe pono i nā lawelawe kahua niho?

ʻOiai ʻaʻole uhi ʻia ka hapa nui o nā lawelawe niho a me nā lako Medicare Part A a me ʻĀpana B, inā ʻike ʻoe pono ʻoe i ka mālama niho i ka makahiki e hiki mai ana, he koho maikaʻi paha kahi hoʻolālā Medicare Advantage (ʻĀpana C).

Ke hoʻoholo nei ʻoe, e noʻonoʻo pono i kāu mau pono e hiki mai ana a me ka mōʻaukala niho o kou ʻohana. Inā ʻoe e manaʻo aia paha he pono e pono ʻoe i nā implant a i ʻole nā ​​niho ʻāpala i ka wā e hiki mai ana, ka mea i loko o kāu hoʻoholo ʻana pū kekahi.

Ke hoʻohālikelike nei i nā hoʻolālā Medicare no ka uhi niho

Nā koho pale pale niho ʻē aʻe

E makemake paha ʻoe e noʻonoʻo i ka uhi niho ma waho o Medicare. He koho paha kāu, e like me:

• ʻInikua niho kū hoʻokahi. Koi kēia mau hoʻolālā iā ʻoe e uku i kahi uku hoʻokaʻawale ʻokoʻa no ka uhi.
• ʻO ka hoʻolālā ʻinikua a kākoʻo limahana paha. Inā hiki ke kau inoa no ka uhi ma lalo o ka hoʻolālā niho o ka wahine, he koho liʻiliʻi paha ia.
• Nā pūʻulu hōʻemi kahua niho. ʻAʻole hoʻolako kēia mau mea i ka uhi ʻinikua, akā ʻae lākou i nā lālā e kiʻi i nā lawelawe niho ma ke kumu kūʻai haʻahaʻa.
• Medicaid. Aia i ka mokuʻāina āu e noho nei a me kāu kūlana kālā, hiki iā ʻoe ke koho no ka mālama niho ma o Medicaid.
• KAHI. He papahana kēia e hiki ke kōkua iā ʻoe e mālama i loko o kāu kaiāulu, e like me nā lawelawe niho.

No ke aha he mea nui e ʻike i ka uhi niho maikaʻi ke hele a ʻelemakule ʻoe

Pono ka mālama niho maikaʻi i ka mālama ʻana i kou olakino olakino. Ua pili ka nohona maikaʻi ʻole o ka niho i ka huehue mau, ka maʻi diabetes, nā ʻano puʻuwai, a me nā pilikia olakino koʻikoʻi ʻē aʻe.

A ua hōʻike ʻia kekahi mau haʻawina i ka mālama ʻole ʻana o ka poʻe i kā lākou mālama niho ʻana i ko lākou wā ʻelemakule, no ka mea he pipiʻi ka mālama niho.

Ua koho ka National Institute of Dental and Craniofacial Research ʻaʻole i loaʻa i ka 23 ka pākēneka o ka poʻe ʻelemakule ka hoʻokolohua niho i nā makahiki he 5 i hala. ʻO ke kiʻekiʻena ke kiʻekiʻe ma waena o ʻAmelika ʻApelika a me ka poʻe Hispanic a ma waena o ka poʻe i loaʻa kālā haʻahaʻa.

Ua hōʻike ʻia kahi koho balota lunamakaʻāinana i ka makahiki 2017 i ke kumu kūʻai ke kumu maʻamau i ʻimi ʻole ai nā kānaka i ke kōkua loea i ka mālama ʻana i ko lākou niho. Akā hiki i ka mālama pale maikaʻi ke kōkua iā ʻoe e hōʻalo i nā pilikia o nā niho ʻoi loa i ka wā e hiki mai ana.

No kēlā kumu, he mea maikaʻi e noʻonoʻo i kahi hoʻolālā kumukūʻai e uhi ai i nā lawelawe kahua niho āu e pono ai ke ʻelemakule.

• Ka Papa Hana 1: E hoʻoholo i ka pono. Inā he mea aloha kāu i loko o 3 mau mahina o ke 65, a i ʻole he kīnā a i ʻole ka hopena hōʻino hope loa, kūpono paha lākou no ka uhi Medicare.
• KaʻAnuʻu 2: E kamaʻilio e pili ana i kā lākou mau pono. Eia kekahi mau mea e noʻonoʻo ai i ka hoʻoholo ʻana inā makemake ʻoe e koho iā Medicare kumu a i ʻole Medicare Advantage plan:
  • Pehea ka waiwai o ka mālama ʻana i kā lākou kauka o kēia manawa?
  • He aha nā lāʻau lapaʻau e kuhikuhi ai lākou?
  • Ehia mau mālama niho a me ka hihiʻo e pono ai lākou?
  • Ehia mau kālā e hiki ai iā lākou ke hoʻolilo i nā uku mua o kēlā me kēia mahina a me nā kumu kūʻai ʻē aʻe?

• Ka Papa Hana 3: Hoʻomaopopo i nā kumukūʻai e pili ana me ka hoʻopaneʻe ʻana i ke kākau inoa ʻana. Inā hoʻoholo ʻoe ʻaʻole e kau inoa i kāu mea aloha no ka ʻāpana B a ʻāpana D paha e uhi ana, pono paha ʻoe e uku i nā hoʻopaʻi a i ʻole nā ​​koina kiʻekiʻe aʻe ma hope.
• KaʻAnuʻu 4: kipa ssa.gov e kau inoa. ʻAʻole pono ʻoe i nā palapala i ka manawa maʻamau, a ʻo ka hana holoʻokoʻa ma kahi o 10 mau minuke.

Ke laina lalo

Ke mālama nei i kou mau niho a me nā gums ke ola i kou mau makahiki he mea nui e mālama i kou olakino olakino holoʻokoʻa.

ʻAʻole uku nā ʻaoʻao Medicare A a me B no nā lawelawe kahua niho, e like me ka nānā maʻamau ʻana, ka unuhi ʻana o nā niho, nā aʻa aʻa, a me nā lawelawe kahua niho maʻamau. ʻAʻole lākou e uhi i nā lako niho e like me nā niho a me nā pale.

Eia kekahi mau mea ʻē aʻe: inā pono ʻoe i nā hana niho paʻakikī, a i ʻole inā makemake ʻoe i nā lawelawe niho no ka mea he maʻi uhi ʻia a ʻeha paha, uku paha ʻo Medicare no kāu mālama ʻana.

Hāʻawi nā hoʻolālā Medicare Advantage (Part C) he nui i ka uhi niho, akā pono paha ʻoe e uku i kahi uku mahina a i ʻole e hoʻohana i nā kauka niho pūnaewele e hoʻohana pono i ka uhi.

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.

E heluhelu i kēia ʻatikala ma ka Paniolo