Uhi anei ʻo Medicare i nā kipa a ke kauka?

Anter

• Āhea uhi ʻo Medicare i nā kipa a ke kauka?
• ʻO nā ʻāpana o Medicare e uhi ai i nā kipa a ke kauka?
• Āhea ʻaʻole uhi ʻo Medicare i nā kipa lapaʻau?
• ʻO ka lawe lawe ʻana

Mālama ʻo Medicare Part B i ke kipa ākea o nā kipa ʻana a ke kauka, e like me nā koho lāʻau pono a me ka mālama pale ʻana. Eia nō naʻe, kahaha paha iā ʻoe ka mea i uhi ʻole ʻia, a hiki i kēlā mau mea haʻohaʻo ke hele mai me kahi bila nui.

Eia ka mea e pono ai ʻoe e ʻike e pili ana i ka uhi a me nā kumukūʻai - ma mua o kou puke ʻana i ke kipa a kāu kauka aʻe.

Āhea uhi ʻo Medicare i nā kipa a ke kauka?

Mālama ʻo Medicare Part B i ka 80 pakeneka o ke kumukūʻai Medicare i ʻae ʻia no nā kipa ʻana a ke kauka e pono ai.

Pākuʻi ʻia kēia i nā lawelawe mai waho i loaʻa iā ʻoe i ke keʻena o kāu kauka a i ʻole kahi keʻena lapaʻau. Hoʻokomo pū ʻia kekahi mau lawelawe maʻi maʻi i ka haukapila. I mea e loaʻa ai ka uhi ʻana, pono i kāu kauka a i ʻole mea hoʻolako lapaʻau paha e ʻae ʻia e Medicare a ʻae i ka hana.

Hoʻopili pū ʻo Medicare Part B i ka 80 pakeneka o ke kumukūʻai Medicare i ʻae ʻia no nā lawelawe pale pale i loaʻa iā ʻoe mai kāu kauka a i ʻole nā ​​kauka ʻē aʻe. Pākuʻi ʻia kēia i nā wā koho wellness, e like me ka nānā makahiki ʻana a i ʻole 6 mau mahina.

Pono e hoʻokō ʻia kāu hōʻemi makahiki ma mua o ka uhi ʻana o Medicare i ka 80 pākēneka piha o nā kipa pono o ke kauka. Ma 2020, ka unuhi ʻia no ka ʻāpana B he $ 198. Hōʻike kēia i ka hoʻonui ʻana o $ 13 mai ka unuhi makahiki o $ 185 i ka 2019.

E uku ʻia nā lawelawe Preventive e Medicare, ʻoiai inā ʻaʻole i hoʻokō ʻia kāu mea e unuhi ai.

E uhi ʻo Medicare i nā kipa a ke kauka inā he kauka kauka (MD) a i ʻole he kauka o ka lāʻau osteopathic (DO). I ka hapanui o nā hihia, e uhi lākou i nā lāʻau lapaʻau e pono ai a i ʻole mālama mālama ʻana i hāʻawi ʻia e:

• psychologists psychology
• limahana limahana
• nā mea hoʻoponopono hana
• ʻologistslelo pathologists ʻōlelo haʻiʻōlelo
• nā kahu kahu maʻi
• hoʻomalu kahu maʻi lapaʻau
• nā kauka kōkua
• nā mea hoʻoponopono kino

ʻO nā ʻāpana o Medicare e uhi ai i nā kipa a ke kauka?

Uhi ka Medicare Part B i nā kipa a ke kauka. Pēlā nō nā hoʻolālā Medicare Advantage, i ʻike ʻia ʻo Medicare Part C.

Uhi ʻia ka ʻinikua kōkua Medigap i kekahi, akā ʻaʻole naʻe nā kipa a ke kauka i uhi ʻole ʻia e ka ʻāpana B a i ʻole ʻĀpana C. Eia kekahi laʻana, e uhi ʻo Medigap i kekahi mau koina e pili ana i kahi chiropractor a i ʻole podiatrist, akā ʻaʻole ia e uhi i ka acupuncture a i ʻole nā ​​koho niho.

Āhea ʻaʻole uhi ʻo Medicare i nā kipa lapaʻau?

ʻAʻole uhi ka Medicare i kekahi mau lawelawe olakino āu e noʻonoʻo ai i ka pale a i ʻole ka lāʻau pono. Eia nō naʻe, aia kekahi mau manawa i hoʻokoe ʻia i kēia kānāwai.

No nā nīnau e pili ana i kāu laulā Medicare, e kāhea aku i ka laina lawelawe mea lawelawe a Medicare ma 800-633-4227, a i ʻole kipa aku i ka pūnaewele kōkua kōkua mālama ola Mokuʻāina (SHIP) a kāhea iā lākou ma 800-677-1116.

Inā hōʻike kāu kauka iā Medicare e ʻike pono kahi lāʻau lapaʻau, e uhi ʻia a hapa ʻia paha. I kekahi mau hanana, loaʻa paha iā ʻoe nā uku lapaʻau hou aʻe o ka ʻeke. E hōʻoia mau ma mua o kou manaʻo e uku paha ʻo Medicare.

ʻO nā kūlana ʻē aʻe e uku ʻole ai ʻo Medicare no kahi koho lāʻau e komo ai nā mea penei:

• ʻAʻole e uhi ʻo Medicare i nā wā i hoʻopaʻa ʻia me ka podiatrist no nā lawelawe maʻamau e like me ka ʻoki ʻana o ke kōlea a callous a i ʻole ka ʻoki ʻana o nā manamana wāwae.
• Uhi ka Medicare i kekahi manawa i nā lawelawe i hāʻawi ʻia e kahi optometrist. Inā loaʻa ʻoe i ka maʻi ʻaʻai, glaucoma, a i ʻole ke ʻano olakino ʻē aʻe e koi ai i nā hōʻike maka maka makahiki, e uhi pinepine ʻo Medicare i kēlā mau wā i hoʻopaʻa ʻia. ʻAʻole uhi ʻo Medicare i kahi kipa optometrist no kahi loli kuhikuhi diagnostic eyeglass.
• ʻAʻole uhi ka Medicare Original (nā ʻāpana A a me B) i nā lawelawe kahua niho, ʻoiai ʻo kekahi Medicare Advantage plan hana. Inā loaʻa ʻoe kahi ulia pōpilikia niho i ka haukapila, hiki i ka ʻāpana A ke uhi i kekahi o ia mau kumukūʻai.
• ʻAʻole uhi ka Medicare i ka lāʻau naturopathic, e like me ka acupuncture. Hāʻawi kekahi mau hoʻolālā Medicare Advantage i ka uhi ʻana acupuncture.
• E uhi wale ʻo Medicare i nā lawelawe chiropractic, e like me ka manipula ʻōiwi, no kahi kūlana i ʻike ʻia ʻo subluxation spinal. I mea e hōʻoia ai i ka uhi ʻana, pono ʻoe i kahi ʻike kūhelu mai kahi chiropractor laikini a mākaukau hoʻi. Hiki i nā hoʻolālā Medicare Advantage ke uhi i nā lawelawe ʻoi aku o ka chiropractic.

Aia paha he mau huakaʻi lapaʻau ʻē aʻe a me nā lawelawe ʻaʻole e uhi ʻia ʻo Medicare. Ke kānalua nei, e nānā mau i kāu kulekele a i ʻole ka ʻike inoa.

• Ke kākau inoa mua: 3 mau mahina ma mua a ma hope o kāu lā hānau 65th. Pono ʻoe e kākau inoa no Medicare i kēia manawa he 7 mau mahina. Inā hana ʻoe, hiki iā ʻoe ke kau inoa no Medicare i loko o kahi mau mahina 8 ma hope o ka haʻalele ʻana a haʻalele paha i ka hoʻolālā ʻinikua olakino hui o kāu ʻoihana a pale i nā hoʻopaʻi. Ma lalo o ke kānāwai pekelala, hiki iā ʻoe ke kākau inoa no kahi hoʻolālā Medigap i kēlā me kēia manawa i ka manawa o 6 mau mahina e hoʻomaka nei me kāu 65^ʻ. lā hānau.
• Ke kākau inoa nui ʻana: Ianuali 1 - Malaki 31. Inā haʻalele ʻoe i ka wā kau inoa mua, hiki iā ʻoe ke kau inoa no Medicare i kēlā me kēia manawa i kēia wā. Eia nō naʻe, e uku ʻia paha ʻoe i ka hoʻopaʻi no ke kākau inoa lohi ke hele nei kāu mau pono. I kēia wā, hiki iā ʻoe ke hoʻololi a waiho i kāu Medicare Advantage plan a koho i kahi Medicare kumu. Hiki iā ʻoe ke kiʻi i kahi hoʻolālā Medigap i ka wā o ke kau inoa nui ʻana.
• Ke kākau inoa hamama makahiki: ʻOkakopa 15 - Kekemapa 7. Hiki iā ʻoe ke hoʻololi i kāu hoʻolālā i kēlā me kēia makahiki i kēia manawa.
• Kākau inoa no nā mea hoʻohui Medicare: ʻApelila 1 - Iune 30. Hiki iā ʻoe ke hoʻohui i ka ʻāpana Medicare D a i kahi hoʻolālā Medicare Advantage i kāu uhi Medicare o kēia manawa.

ʻO ka lawe lawe ʻana

Mālama ʻo Medicare Part B i ka 80 pakeneka o ke kumukūʻai o ke kipa ʻana a ke kauka no ka mālama pale ʻana a me nā lawelawe lapaʻau e pono ai.

ʻAʻole uhi ʻia nā ʻano kauka like ʻole. I mea e hōʻoia ai i ka uhi ʻana, pono kāu kauka i mea hāʻawi i ʻae ʻia e Medicare. E hōʻoia i kāu hoʻolālā pilikino a kāhea paha i ka laina lawelawe mea lawelawe a Medicare ma 800-633-4227 inā makemake ʻoe i ka ʻike kikoʻī kikoʻī.

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.