Uhi ʻo Medicare i nā home kahu maʻi?

Anter

• Āhea uhi ʻo Medicare i ka mālama home hānai?
• ʻO nā ʻāpana o Medicare uhi i ka mālama home hānai?
• Mahele Medicare A
• Mahele B Medicare
• Uhi ʻia nā hoʻolālā Advantage i kekahi ʻāpana o ia?
• Pehea e pili ana i nā mea kōkua Medigap?
• Pehea e pili ana i nā lāʻau D ʻāpana?
• ʻO wai nā hoʻolālā Medicare e ʻoi aku ka maikaʻi inā pono ʻoe i ka mālama home hānai i ka makahiki e hiki mai ana.
• He aha ka hale hānai?
• Nā pono o ka mālama home hānai
• Ehia nā kumukūʻai mālama home hānai?
• Ke laina lalo

He polokalamu inikua olakino Medicare no kēlā mau makahiki 65 a ʻoi (a me kekahi ʻano olakino) ma United States.

Uhi nā papahana i nā lawelawe e like me ka noho ʻana o ka haukapila a me nā lawelawe o waho. E uhi paha ʻo Medicare i nā noho wā pōkole i ka home kahu hānai ke pono ka mālama lima ʻana o kekahi kanaka.

Eia nō naʻe, inā makemake kekahi e neʻe i kahi home hānai no ka wā lōʻihi, ʻaʻole mālama nā hoʻolālā Medicare i kēia kumukūʻai.

Āhea uhi ʻo Medicare i ka mālama home hānai?

E hoʻomaopopo i ka uhi ʻana o Medicare i ka hale hānai, ʻoi aku ka maikaʻi i kekahi manawa e ʻike i ka mea a lākou e uhi ʻole ai. ʻAʻole uhi ʻo Medicare i ka mālama i loko o ka home kahu hānai ke pono ke kanaka i ka mālama mālama wale nō. Mālama ka mālama mālama ʻana i nā lawelawe aʻe:

• ʻauʻau ʻana
• lole ʻaʻano
• ka ʻai ʻana
• e hele ana i ka lua

Ma ke ʻano he rula laulā, inā pono i ke kanaka ka mālama e koi ʻole ai i kahi kekelē e hāʻawi ai, ʻaʻole uhi ʻo Medicare i ka lawelawe.

I kēia manawa e nānā i ka mea a Medicare e uhi ai.

Mālama ʻo Medicare i ka mālama hānai mākau ma kahi hale hānai, akā pono ʻoe e hoʻokō i kekahi mau koi. Pākuʻi ʻia kēia mau mea:

• Pono ʻoe e loaʻa iā Medicare Part A a he mau lā i koe i loko o kāu wā pōmaikaʻi.
• Loaʻa paha iā ʻoe kahi noho hoʻokipa kūpono.
• Pono kāu kauka e hoʻoholo iā ʻoe e koi i kēlā me kēia lā, mālama kahu hānai mākaukau.
• Pono ʻoe e mālama i ka mālama ma kahi ʻoihana kahu maʻi mākau.
• ʻO ke keʻena kahi e loaʻa ai iā ʻoe kāu mau lawelawe pono e hōʻoia ʻia e Medicare.
• Pono ʻoe i nā lawelawe mākaukau no kahi ʻano olakino e pili ana i ka haukapila a i ʻole kahi kūlana i hoʻomaka ʻoiai ʻoe ma kahi ʻoihana kahu hānai mākaukau e loaʻa ana ke kōkua no ke kūlana olakino pili i ka haukapila.

He mea nui nō hoʻi e hoʻomaopopo i kēia mālama no ka manawa pōkole, ʻaʻole no ka mālama wā lōʻihi.

ʻO ka maʻamau, uku paha ʻo Medicare Part A a hiki i nā lā he 100 i kahi keʻena hānai mākau. Pono kahi mākaukau kahu hānai e ʻae i ke kanaka i loko o 30 mau lā ma hope o ko lākou haʻalele ʻana i ka haukapila, a pono lākou e ʻae iā lākou no ka maʻi a ʻeha paha a ka mea e mālama nei i ka haukapila.

ʻO nā ʻāpana o Medicare uhi i ka mālama home hānai?

Mālama wale ʻo Medicare i ka mālama hānai mākau wā pōkole wale nō i kahi home hānai. E hoʻomau i ka heluhelu ʻana no ka haʻihaʻi ʻana o ka Medicare e uhi ai e pili ana i nā hale kahu.

Mahele Medicare A

Hiki paha i kekahi mau lawelawe Medicare Part A ke uhi i kahi hale hānai e komo pū me:

• aʻoaʻo aʻoaʻo a me nā lawelawe meaʻai
• nā lako pono lāʻau
• nā lāʻau
• nā meaʻai
• ʻoihana hana
• hoʻōla kino
• lumi semi-pilikino
• mālama kahu hānai mākau, e like me ka hoʻololi ʻana i ka lole ʻeha
• nā lawelawe hana kaiaulu e pili ana i ka mālama olakino e pono ai
• maʻi pilikino ʻōlelo-ʻōlelo

E uhi paha ʻo Medicare i kahi mea i kapa ʻia ʻo “swing swing services.” ʻO kēia kahi manawa e loaʻa ai i kahi kanaka ka lawelawe mālama mālama mākua ma kahi haukapila mālama nui.

Mahele B Medicare

ʻO Medicare Māhele B ka ʻāpana o Medicare e uku nei no nā lawelawe o waho, e like me nā kipa a ke kauka a me nā loiloi olakino. ʻAʻole uhi kēia mahele o Medicare i ka noho home hānai ʻana.

Uhi ʻia nā hoʻolālā Advantage i kekahi ʻāpana o ia?

ʻO nā hoʻolālā Medicare Advantage (i kapa ʻia ʻo Medicare Part C) ʻaʻole uhi pinepine i ka mālama home hānai i manaʻo ʻia he mālama mālama. Aia kekahi mau hoʻokoe, ke komo pū me ka hoʻolālā a kahi kanaka aelike me kahi hale kahu hānai kikoʻī a i ʻole kahi hui e lawelawe ana i nā hale hānai.

E kāhea pinepine i kāu mea hoʻolālā ma mua o ka hele ʻana i kahi home kahu hānai no laila maopopo ʻoe i nā lawelawe a uhi ʻole ʻia ma lalo o kāu papahana Medicare Advantage.

Pehea e pili ana i nā mea kōkua Medigap?

Kūʻai ʻia nā hoʻolālā hoʻopili Medigap e nā ʻoihana ʻinikua pilikino a kōkua i ka uhi ʻana i nā kumukūʻai hou, e like me nā mea e unuhi ʻia.

Hiki i kekahi mau hoʻolālā Medigap ke kōkua i ka uku ʻana no ka ʻinikua co-insurance lawelawe pono. Pākuʻi ʻia kēia i nā hoʻolālā C, D, F, G, M, a me N. Plan K ma kahi o 50 pākēneka o ka coinsurance a uku ʻo Plan L no 75 pākēneka o ka coinsurance.

Eia nō naʻe, ʻaʻole uku nā hoʻolālā pākuʻi Medigap no ka mālama home hānai wā lōʻihi.

Pehea e pili ana i nā lāʻau D ʻāpana?

ʻO Medicare Māhele D ka laʻau lāʻau kuhikuhi e kōkua i ka uku no nā mea āpau a i kahi ʻāpana o nā lāʻau a ke kanaka.

Inā noho kahi kanaka i kahi home hānai, e loaʻa maʻamau iā lākou kā lākou palapala kuhikuhi mai kahi hale mālama mālama wā lōʻihi e hāʻawi ana i nā lāʻau i kēlā poʻe i nā wahi mālama wā lōʻihi e like me kahi home kahu.

Eia nō naʻe, inā ʻoe ma kahi ʻoihana mākaukau e loaʻa ana ka mālama kahu hānai akamai, e uhi maʻamau ʻo Medicare Part A i kāu kau lāʻau i kēia manawa.

ʻO wai nā hoʻolālā Medicare e ʻoi aku ka maikaʻi inā pono ʻoe i ka mālama home hānai i ka makahiki e hiki mai ana.

ʻAʻole ka hapa nui o nā hoʻolālā Medicare e uhi i ka mālama home hānai. Hoʻohui ʻia nā ʻokoʻa inā ʻoe e kūʻai i kahi hoʻolālā Medicare Advantage me kahi ʻaelike kikoʻī me kahi home kahu. Eia hou, he ʻokoʻa kēia mau manawa, ʻaʻole ka rula, a ʻokoʻa nā koho i loaʻa ʻia ma ka honua.

Inā ʻoe a i kahi mea aloha paha e pono e hoʻololi i kahi mālama home hānai wā lōʻihi, aia kekahi mau koho ma waho o Medicare i hiki ke kōkua i ka hoʻolana ʻana i kekahi mau koina. Pākuʻi ʻia kēia mau mea:

• ʻInikua mālama wā lōʻihi. Hiki i kēia ke kōkua i ka uku ʻana i nā mea āpau a i ʻole kahi ʻāpana o nā kumukūʻai home kahu. E kūʻai ka poʻe he nui i kēia mau kulekele i ka wā ʻōpio, e like me ko lākou 50, no ka mea hoʻonui pinepine nā uku i ke kumukūʻai e like me ke ʻano o ke kanaka.
• Medicaid. ʻO Medicaid, ka papahana inikua e kōkua ana i ka uhi ʻana i nā koina no kēlā mau ʻohana haʻahaʻa, he polokalamu mokuʻāina a he aupuni e kōkua ana i ka uku no ka mālama home hānai.
• ʻO ka Administration Veterans. Hiki i nā mea i lawelawe i ka pūʻali koa ke loaʻa kālā kōkua no nā lawelawe mālama wā lōʻihi ma o ka United States Department of Veterans Affairs.

ʻIke paha kekahi poʻe e koi lākou i nā lawelawe Medicaid ma hope o ka luhi ʻana i kā lākou waiwai kālā pilikino i ka uku ʻana no ka mālama wā lōʻihi. E ʻike ai i ka ʻike hou aʻe pehea e kūpono ai, e kipa aku i ka Pūnaewele ʻIinua ʻInikua Kōkua ʻInikua Ola.

He aha ka hale hānai?

ʻO kahi hale hānai kahi wahi e hiki ai i ke kanaka ke loaʻa nā lawelawe mālama hou mai nā kahu maʻi a i ʻole nā ​​mea kōkua kahu maʻi.

ʻO ka hapa nui o kēia mau keʻena he hale a hale paha no ka poʻe e pono e mālama hou i kā lākou hana i kēlā me kēia lā a i ʻole makemake hou e noho mehameha. Ua like kekahi me nā haukapila a mau hōkele paha me nā lumi me nā moena a me nā ʻauʻau a me nā wahi maʻamau no nā papa, nā leʻaleʻa, ka ʻai ʻana, a me ka hoʻomaha ʻana.

Hāʻawi ka hapanui o nā home hānai i ka mālama a puni ka uaki. Hiki ke loli nā lawelawe, akā hiki ke hoʻopili i ke kōkua e hele i ka lumipaku, kōkua i ka loaʻa ʻana o nā lāʻau, a me nā lawelawe ʻai.

Nā pono o ka mālama home hānai

• Hāʻawi pinepine ka mālama hale hānai i kahi kanaka e noho kūʻokoʻa me ka ʻole o ke komo ʻana i nā hana mālama home, e like me ka ʻoki ʻana i ka mauʻu a mālama ʻia i ka home.
• Hāʻawi pū nā hale hānai he nui i nā hana kaiaulu e hiki ai i nā poʻe ke hoʻohui me nā poʻe ʻē aʻe a mālama i nā aloha a me nā hana ʻē aʻe.
• Loaʻa ka hiki ke loaʻa nā lawelawe kahu hānai e pono ai a i hoʻomaʻamaʻa nā limahana ma ka lima e nānā i kahi kanaka hiki ke hāʻawi i kahi ʻano hōʻoluʻolu no kahi kanaka a me ko lākou ʻohana.

Ehia nā kumukūʻai mālama home hānai?

Ua mālama ʻo Genworth i ke kumu kūʻai no ka mālama ʻana i nā wahi kahu hānai mākaukau a me nā hale hānai mai 2004 a 2019.

Ua loaʻa iā lākou ka awelika no ke keena pilikino ma kahi home hānai he $ 102,200 i kēlā me kēia makahiki, a he 56.78 pākēneka ia e hoʻonui ʻia ana mai ka 2004. ʻO ka mālama ma nā wahi kōkua kōkua kōkua ma ka awelika $ 48,612 i kēlā me kēia makahiki, kahi 68.79 pākēneka i hoʻonui ʻia mai 2004.

He pipiʻi ka mālama home hānai - pili kēia mau kumukūʻai i ka mālama ʻana no ka poʻe maʻi maʻi nui, ka hemahema o nā limahana, a me nā rula ʻoi aku ka nui e hoʻonui ana i nā lilo āpau no ka piʻi ʻana o nā kumukūʻai.

Inā he mea aloha kāu e hōʻea ana i ka makahiki 65, eia kekahi mau ʻōlelo aʻoaʻo pehea e hiki ai iā ʻoe ke kōkua iā lākou e kākau inoa:

• Hiki iā ʻoe ke hoʻomaka i ke kaʻina hana 3 mau mahina ma mua o ka huli ʻana o kāu mea aloha i ka makahiki 65. Ke hoʻomaka nei i ka wanaʻao hiki ke kōkua iā ʻoe e pane i nā nīnau e pono ai a lawe i kekahi koʻikoʻi mai kāu hana.
• Kāhea aku i kāu Local Security Administration a i ʻole loaʻa i kahi ma ke kipa ʻana i kā lākou pūnaewele mana.
• E kipa iā Medicare.gov e ʻike e pili ana i ke olakino a me nā hoʻolālā lāʻau i loaʻa.
• E kamaʻilio i kāu mau hoaaloha a me nā lālā ʻohana ʻē aʻe i hele i loko o kahi kaʻina like. Hiki iā lākou ke hāʻawi iā ʻoe i nā ʻōlelo aʻoaʻo e pili ana i ka mea a lākou i aʻo ai ma ke kaʻina o ke kau inoa ʻana no Medicare a me ke koho ʻana i nā hoʻolālā pākuʻi, inā pili.

Ke laina lalo

Hiki iā Medicare Part A ke uhi i ka mālama kahu hānai mākaukau i kahi home hānai, e hāʻawi ana i kahi kanaka e kū i nā koi kikoʻī.

Inā makemake ʻoe a mea aloha paha e pono e noho i kahi home hānai no ka wā lōʻihi e loaʻa ai ka mālama mālama a me nā lawelawe ʻē aʻe, koi ʻia ʻoe e uku ma waho o ka ʻeke a hoʻohana i nā lawelawe e like me ka inikua mālama lōʻihi a Medicaid paha. .

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.