Uhi ʻia ʻo Hip Medicare e Medicare?

Anter

• He aha ka uhi a Medicare me ka hope hip?
• Mahele Medicare A
• Mahele B Medicare
• Mahele Medicare D
• Hōʻuluʻulu Manaʻo e Medicare
• He aha nā kumukūʻai pani hakahaka e uhi ai ʻo Medicare?
• Pākuʻi hou
• Ke hoʻoholo nei i kāu kumukūʻai
• E pili ana i ka ʻoki pani pani
• Lawe aku

ʻO ka Medicare Original (ʻĀpana A a me ka ʻāpana B) e uhi maʻamau i ke kīʻaha pani hakahaka inā hōʻike kāu kauka he pono kūpono ia. ʻAʻole kēia manaʻo, akā, e uhi ʻo Medicare i ka 100 pākēneka o nā koina. Ma kahi o, e hoʻoholo ʻia kāu mau koina e kāu papa hoʻolālā kikoʻī, ke kumukūʻai o ke kaʻina hana, a me nā kumu ʻē aʻe.

E heluhelu e aʻo hou e pili ana i ka mea e manaʻo ai.

He aha ka uhi a Medicare me ka hope hip?

Hiki i ka Medicare Original (Medicare Part A a me Medicare Part B) ke kōkua i ka uhi ʻana i nā kumukūʻai kikoʻī o kāu ʻoki pani pani.

Mahele Medicare A

Wahi a ka National Institute of Arthritis and Musculoskeletal and Skin Diseases, pono ka poʻe e noho mau i ka haukapila no 1 a 4 mau lā ma hope o kahi pani hakahaka. Ma kou noho ʻana ma kahi haukapila i ʻae ʻia e Medicare, Medicare Māhele A (ʻinikua haukapila) e kōkua e uku no:

• lumi semi-pilikino
• nā meaʻai
• mālama kahu hānai
• nā lāʻau i ʻāpana o kāu lapaʻau maʻi maʻi

Inā makemake ʻoe i ka mālama hānai mākaukau e pili ana i ke kaʻina hana, kōkua ka ʻāpana A i ka uhi ʻana i nā lā he 100 o ka mālama. Hiki i kēia ke hoʻopili i ka hoʻōla kino (PT).

Mahele B Medicare

Inā hoʻokō ʻia kou pani hakahaka ma kahi keʻoki lāʻau lapaʻau o waho, pono ʻo Medicare Part B (ʻinikua olakino) e kōkua i ka uhi ʻana i nā kumukūʻai o kāu mālama. Inā hana ʻia kāu ʻoki kino ma kahi haukapila a i ʻole hale hana maʻi, Medicare Part B e kōkua maʻamau e uku no:

• nā uku o ke kauka (nā kipa ma mua a ma hope o ka hana, post-op hoʻoikaika kino, a pēlā aku.)
• ʻoki kino
• nā mea pono olakino paʻa (kō, hele wāwae, a pēlā aku.)

Mahele Medicare D

ʻO Medicare ʻĀpana D kahi laʻau lāʻau e kuhikuhi ʻia i hiki ke kūʻai ʻia mai kahi ʻinikua pilikino pilikino i hoʻokaʻawale ʻia mai Medicare kumu. Māhele ka ʻāpana D i nā lāʻau lapaʻau ma hope o ka hana i uhi ʻole ʻia e Medicare, e like me nā lāʻau hoʻomalu ʻeha a me nā mea lahilahi o ke koko (e pale ai i ka hoʻopili ʻana) i lawe ʻia i kou wā hou.

Hōʻuluʻulu Manaʻo e Medicare

He aha nā kumukūʻai pani hakahaka e uhi ai ʻo Medicare?

Wahi a ka American Association of Hip and Knee Surgeons (AAHKS), ʻo ke kumukūʻai o kahi pani hakahaka i ka US mai $ 30,000 a $ 112,000. Hiki i kāu kauka ke hāʻawi i ke kumukūʻai Medicare-i ʻae ʻia no ka hoʻomaʻamaʻa kikoʻī āu e pono ai.

Ma mua o ka uku ʻana o Medicare ʻĀpana A a me ʻĀpana B i kekahi ʻāpana o kēlā kumukūʻai, pono ʻoe i uku i kāu uku uku. E loaʻa hou iā ʻoe ka coinsurance a i ʻole nā ​​copayments.

• I ka 2020, ka makahiki i unuhi ʻia no Medicare Part A he $ 1,408 ke ʻae ʻia i kahi haukapila. Uhi kēlā i nā lā he 60 i hala o ka mālama haukapila i kahi wā pōmaikaʻi. Ma kahi o 99 pākēneka o nā mea kōkua Medicare ʻaʻohe uku no ka ʻāpana A e like me nā U.S. Center for Medicare & Medicare Services.
• I ka makahiki 2020, ʻo ka uku no kēlā me kēia mahina no Medicare ʻĀpana B he $ 144.60 a ʻo ka makahiki i unuhi ʻia no Medicare ʻĀpana B he $ 198. I ka manawa e uku ʻia ai kēlā mau uku nui a me nā unuhi, uku pinepine ʻo Medicare i ka 80 pakeneka o nā koina a uku ʻoe i 20 pākēneka.

Pākuʻi hou

Inā loaʻa iā ʻoe kahi uhi ʻē aʻe, e like me kahi kulekele Medigap (ʻInikua Hoʻohui Medicare), e pili ana i ka hoʻolālā, e uhi ʻia kekahi o kāu mau uku, lawe ʻia, a me nā copay. Kūʻai ʻia nā kulekele Medigap ma o nā ʻoihana inikua pilikino i ʻae ʻia e Medicare.

Ke hoʻoholo nei i kāu kumukūʻai

E ʻike ai i ke kumukūʻai o kāu hakahaka, e kamaʻilio me kāu kauka. ʻO ka nui kikoʻī āu e uku ai hilinaʻi ʻia i nā mea, e like me:

• nā ʻinikua ʻē aʻe i loaʻa iā ʻoe, e like me kahi kulekele Medigap
• ka nui a kāu kauka e uku ai
• inā ʻae a ʻaʻole paha kāu kauka i ka hana (ka uku i ʻae ʻia e Medicare)
• kahi e loaʻa ai nā kaʻina hana, e like me kahi haukapila i ʻae ʻia e Medicare

E pili ana i ka ʻoki pani pani

Hoʻohana ʻia ke kahakaha pani hakahaka e pani i nā ʻāpana maʻi a i hōʻino ʻia paha o kahi hui pūhaka me nā ʻāpana hana hou. Hana ʻia kēia i:

• hoʻokuʻu i kaʻeha
• hoʻihoʻi i nā hana hui pū
• hoʻomaikaʻi i ka neʻe, e like me ka hele wāwae

ʻO nā ʻāpana hou, hana pinepine ʻia i ke kila kila a i ʻole titanium, pani i nā ʻāpana hui pūhaka mua. Hana like kēia implant hana i ka ʻūhā maʻamau.

Wahi a nā 326,100 huina huina hope i hana ʻia ma 2010, 54 pākēneka o lākou no ka poʻe 65 a ʻoi ka makahiki (Medicare kūpono).

Lawe aku

ʻO ka Medicare Original (ʻĀpana A a me ka ʻāpana B) e uhi maʻamau i ke kīʻaha pani hakahaka inā pono ka lāʻau.

ʻO kāu kumukūʻai ma waho o ka ʻeke no kāu pani hakahaka e loli ʻia e nā ʻano loli, e like me:

• ʻo kekahi ʻinikua ʻē aʻe, e like me Medigap
• Medicare a me nā ʻinikua ʻē aʻe i lawe ʻia, coinsurance, copays, a me nā uku
• na kauka
• ʻae ke kauka i ka hana
• kahi e hana ai i ke kaʻina hana

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