Uhi ʻo Medicare i nā aniani?

Anter

• Uku ʻo Medicare no nā aniani?
• ʻO Medicare Māhele B ka uhi ʻana
• ʻO ka uhi Medicare Advantage
• Medigap
• He aha ka mea i uhi ʻole ʻia e Medicare no ka hihiʻo?
• Nā koho pale ʻē aʻe no nā aniani maka
• ʻO ka lawe lawe ʻana

• ʻAʻole uku ʻo Medicare no nā aniani, me ka ʻokoʻa o nā maka aniani e pono ai ma hope o ke kaha ʻana o ka cataract.
• Loaʻa i kekahi mau hoʻolālā Medicare Advantage ka uhi o ka hihi, kahi e kōkua ai iā ʻoe e uku no nā aniani aniani.
• Aia nā hui kaiaulu a me nā hui ʻole kōkua i hiki ke kōkua iā ʻoe e uku no nā aniani a me nā aniani.

ʻAʻole uhi maʻamau ʻo Medicare i nā lawelawe ʻike pinepine, e like me ka uku ʻana i nā aniani maka a me nā aniani ʻike. ʻOiaʻiʻo, aia kekahi mau ʻokoʻa, me kahi inā loaʻa iā ʻoe kahi Medicare Advantage plan e hāʻawi nei i ka uhi ʻike. E hoʻomau i ka heluhelu ʻana e ʻike pehea e hiki ai iā ʻoe ke kōkua i ka uku ʻana i nā aniani.

Uku ʻo Medicare no nā aniani?

Ma ke ʻano he kūlana maʻamau, ʻaʻole uku ka Medicare kumu no nā aniani aniani. ʻO kēia ke kumu inā ʻoe e pono i kahi mau aniani hou, e uku paha ʻoe i ka 100 pākēneka o nā kumukūʻai mai ka ʻeke.

Eia nō naʻe, aia kekahi mau hoʻokoe inā loaʻa iā ʻoe ka Medicare Advantage a ma hope paha o kou loaʻa ʻana i kahi ʻoki cataract. E ʻimi mākou i nā kikoʻī o kēia mau hoʻokoe aʻe.

ʻO Medicare Māhele B ka uhi ʻana

ʻO Medicare ʻĀpana B (kauka lapaʻau) e uku no nā aniani aniani hoʻoponopono ma hope o kou loaʻa ʻana i kahi ʻoki cataract me ka implant lens intraocular implant.

Eia naʻe, ʻaʻole kēia manaʻo he manuahi kāu mau aniani. E uku ʻoe i ka 20 pākēneka o ke kumukūʻai no kou maka aniani, a pili kāu ʻoki B. ʻO kekahi o nā ʻōlelo i hoʻopaʻa ʻia:

• e uku ʻoe i nā kumukūʻai hou aʻe no nā mōlina i hoʻonui ʻia
• pono ʻoe e kūʻai i nā aniani mai kahi mea hoʻolako inoa Medicare

Inā ʻoe e lilo a haki paha i kēia mau aniani, ʻaʻole uku ʻo Medicare no nā mea hou. Hoʻolilo wale ʻo Medicare i hoʻokahi mau aniani hou i kēlā me kēia ola, i kēlā me kēia maka āu e ʻoki ai. No laila, inā he ʻoki kino kāu e hoʻoponopono ai i hoʻokahi maka, hiki iā ʻoe ke kiʻi i nā maka aniani ʻelua i kēlā manawa. Inā loaʻa iā ʻoe kahi ʻoki kālaka ma ka maka ʻē aʻe i ka manawa hope, hiki iā ʻoe ke kiʻi hou i kekahi mau aniani hou.

ʻO ka uhi Medicare Advantage

ʻO Medicare Advantage (a i ʻole Medicare Part C) kahi ʻokoʻa i ka Medicare kumu kahi āu e koho ai i kahi ʻoihana inikua pilikino e hoʻokō i kāu pono Medicare. Pono e hāʻawi i kahi hoʻolālā Medicare Advantage i nā mea āpau a Medicare kumu, a hoʻonui kekahi mau hoʻolālā i kā lākou uhi e hoʻopili i ka mālama niho, ka hoʻolohe ʻana, a me ka ʻike maka.

ʻOiai ke hāʻawi nei ʻo Medicare Advantage i kekahi mau pōmaikaʻi ʻike, aia nō ke kumukūʻai ma waho o ka ʻeke. Wahi a kahi noiʻi hou, Medicare Advantage enrollees me ka ʻike maka i uku ʻia ma kahi o 62 pākēneka o nā koina e pili ana i kā lākou hoʻolilo ʻike.

Inā loaʻa iā ʻoe ka Medicare Advantage me ka uhi ʻike, he mea nui ia e hoʻohana i nā mea hoʻolako pūnaewele no kāu mālama ʻike. Ua makemake paha kāu hoʻolālā i nā mea hoʻolako no nā aniani aniani a me nā aniani. ʻO ke koho ʻana mai kahi papa inoa o nā mea hoʻolako i ʻae ʻia e kōkua maʻamau iā ʻoe e loaʻa ka mālama kālā nui loa.

Inā koho ʻoe i kahi hoʻolālā Medicare Advantage me ka uhi o ka hihi, ʻoi aku ke kiʻekiʻe o kāu uku. Koi ʻia paha kāu uhi ʻike i kahi copayment no nā lawelawe ʻike a me nā kūʻai aniani. Me nā hoʻolālā ʻē aʻe, pono ʻoe e hoʻokō i kāu unuhi ʻia ma mua o ka uku ʻana o kāu hoʻolālā i kahi ʻāpana o kāu mau lawelawe ʻike. Eia nō naʻe, inā manaʻo ʻoe e pono ʻoe i nā lawelawe ʻike pinepine, kahi hoʻolālā me ka ʻike hihi e mālama paha iā ʻoe i ke kālā i ka holo lōʻihi.

No ka loaʻa ʻana o kahi hoʻolālā Medicare Advantage e hāʻawi nei i ka uhi ʻike, hiki iā ʻoe ke hoʻohana i ka mea i loaʻa i ka huli ʻo Medicare Plan. Hiki iā ʻoe ke hoʻokaʻaʻike aku i nā hoʻolālā Medicare Advantage a me nā ʻoihana e nīnau pololei e pili ana i kā lākou ʻike maka.

Medigap

ʻO ka ʻinikua hoʻohui Medicare, a i ʻole Medigap, kahi kulekele ʻinikua hoʻohui e hiki ai iā ʻoe ke kūʻai inā loaʻa iā ʻoe Medicare kumu. ʻOiai hiki iā Medigap ke kōkua i ka uku ʻana i nā kumukūʻai ma waho o ka ʻeke e pili ana i nā ʻāpana Medicare A a me B, e like me nā coinurances a me nā deductibles, ʻaʻole ia e kōkua i ka uku ʻana i nā "keu" e like me ka mālama ʻike.

He aha ka mea i uhi ʻole ʻia e Medicare no ka hihiʻo?

ʻAʻole uhi ʻo Medicare i nā lawelawe aʻe e pili ana i ka mālama ʻike.

• nā hoʻāʻo ʻana o ka maka maʻamau
• kūʻai mai i nā aniani aniani
• ke kūʻai ʻana i nā aniani kelepona
• kūʻai i nā aniani hou

Eia nō naʻe, uhi ʻo Medicare Part B i kekahi mau nānā ʻana o ka hihiʻo, me kahi hōʻike glaucoma makahiki no ka poʻe i makaʻu a me ka hoʻokolokolo maka maka makahiki no ka poʻe me ka maʻi diabetic no retinopathy diabetic. Uhi pū ʻo Medicare i kahi ʻoki cataract.

Nā koho pale ʻē aʻe no nā aniani maka

Nui nā hui e hiki ke kōkua me nā koina o kou maka aniani a me ka mālama maka. Aia kekahi mau laʻana:

• ʻO ka lawe lawe ʻana

  ʻAʻole hāʻawi ʻo Medicare i kahi uhi ākea e ʻike ai, me ka uku ʻana no nā aniani aniani. Hoʻopili maʻamau ia i nā lawelawe lapaʻau e pili ana i ka hihiʻo, e like me ka hoʻāʻo ʻana no ka retinopathy diabetic a i ʻole glaucoma.

  Inā hiki iā ʻoe a i ʻole kahi mea aloha ke hoʻohana i ke kōkua ʻana i ke kūʻai ʻana i nā aniani maka, aia kekahi mau hui kaiaulu a me nā lāhui i hoʻolaʻa ʻia e kōkua i ka mālama ʻana i ka ʻike.

  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.