ʻO ke kaha lāʻau a me ke kaha waha: he aha ka mea i uhi ʻia?

Anter

• I ka manawa hea e uhi ai ʻo Medicare i ka ʻoki waha?
• ʻO wai nā hoʻolālā Medicare e ʻoi aku ka maikaʻi inā pili ʻoe inā pono ʻoe i kahi ʻoki waha.
• ʻO Medicare Māhele C (Medicare Advantage)
• Mahele Medicare A
• Mahele B Medicare
• Mahele Medicare D
• Pākuʻi Medicare (Medigap)
• He aha nā kumukūʻai o waho o ka ʻeke no ke kaha ʻana ma ka waha inā loaʻa iā Medicare?
• He aha nā lawelawe niho a Medicare e uhi ai?
• Medicare kumu (mau ʻāpana A a me B)
• Nā hoʻolālā Medicare Advantage (Medicare supplement plan)
• ʻO ka uhi Medicare no nā lawelawe kahua niho
• Ke laina lalo

Inā kūpono ʻoe no Medicare a noʻonoʻo i ka ʻoki ʻana o ka waha, he mau koho kāu e kōkua ai i ka uhi ʻana i nā koina.

ʻOiai ʻaʻole uhi ka lāʻau Medicare i nā lawelawe niho e koi pono ʻia no ke olakino a me ke olakino, hiki ke uhi ʻia i ka ʻoki waha no nā kūlana olakino. Hāʻawi kekahi mau papa Medicare Part C (Medicare Advantage) i ka uhi niho.

E ʻimi kākou i nā ʻano o ka ʻoki waha e uhi ai ʻo Medicare a no ke aha.

I ka manawa hea e uhi ai ʻo Medicare i ka ʻoki waha?

Koi ʻia ka ʻoki waha i kekahi manawa ma ke ʻano he ʻāpana o ka hoʻolālā lapaʻau no kahi ʻano olakino, e like me ka maʻi ʻaʻai a i ʻole nā ​​maʻi puʻuwai. I kēia mau manawa, e hoʻokaʻawale ʻia kahi ʻōpala waha ma ke ʻano he kauka pono.

No ka mea ʻokoʻa kēlā me kēia kūlana, e kamaʻilio me kāu kauka a nānā paha i nā kikoʻī kikoʻī o kāu hoʻolālā, i mea e hoʻoholo ai inā e uhi ʻia kāu ʻoki waha e Medicare kumu.

ʻO ka Medicare Original (Medicare Part A) e uhi i ke kumukūʻai o ke kaha ʻana o ka waha ma kēia mau hanana i hōʻike ʻia me ka lāʻau.

• ʻO ka unuhi ʻana o kahi niho ʻino a maʻi paha e pono ai i ka lāʻau lapaʻau ma mua o ka hoʻomaka ʻana o ka lāʻau radiation. Hiki i kēia ke kōkua i ka hōʻemi i ka makaʻu o ka make mandibular (iwi).
• I mea e hōʻalo ai i ka maʻi o ka waha, koi ʻia paha ka unuhi ʻana o kahi niho ʻino a maʻi paha ma mua o ka lawe ʻia ʻana o kahi meaola.
• Inā he iwi ā naha kou a pono ʻoe i ke ʻoki e hoʻoponopono a hoʻōla hou paha iā ia, e uhi ʻo Medicare i kēlā mau kumukūʻai.
• E uhi nō hoʻi ʻo Medicare i ka ʻoki ʻana o ka waha inā pono e hoʻoponopono a hoʻihoʻi hou ʻia ka iwi ā ma hope o ka hemo ʻana o kahi tumo.

ʻO wai nā hoʻolālā Medicare e ʻoi aku ka maikaʻi inā pili ʻoe inā pono ʻoe i kahi ʻoki waha.

ʻO Medicare Māhele C (Medicare Advantage)

Inā maopopo iā ʻoe e koi ana ʻoe i ke ʻōpoki waha no ke olakino niho, kahi hoʻolālā Medicare Advantage (Medicare Part C) e uhi ana i nā kaʻina hana niho ʻoi aku paha ʻoe.

Eia naʻe, ʻaʻole kēlā me kēia papahana Medicare Advantage e pili pū me nā lawelawe niho.

Mahele Medicare A

Inā ʻike ʻoe e koi ana ʻoe i kahi kauka haʻi lāʻau e pono ai e mālama i kahi ʻano olakino, loaʻa paha iā ʻoe ka uhi ma lalo o Medicare Part A inā ʻoe he hale maʻi maʻi.

Mahele B Medicare

Inā pono ʻoe e hana i kahi kauka waha e pono ai i ka lāʻau i hana ʻia ma kahi kumu o waho, hiki i ka Medicare Part B ke uhi iā ia.

Mahele Medicare D

ʻO nā lāʻau e koi ʻia e like me nā mea e mālama ai i ka maʻi a i ʻole ka ʻeha e uhi ʻia ma lalo o Medicare Part D, ke hāʻawi ʻole ʻia lākou me ke aniani.

Inā hāʻawi ʻia ʻoe i nā lāʻau i loko o kahi haukapila i hāʻawi pinepine ʻia, e uhi ʻo Part B i kēlā mau kumukūʻai. ʻO ka hapa nui o nā hoʻolālā Medicare Advantage uhi i ke kumukūʻai o nā lāʻau.

Pākuʻi Medicare (Medigap)

E uhi paha ʻo Medigap i kāu ʻoki A hoʻemi ʻia a me nā kumukūʻai inā loaʻa iā ʻoe kahi ʻoki lāʻau waha e pono ai i ka haukapila. ʻAʻole uhi ʻo Medigap i kēia mau koina no nā ʻōpala waha e koi ʻia no ke olakino niho wale nō.

He aha nā kumukūʻai o waho o ka ʻeke no ke kaha ʻana ma ka waha inā loaʻa iā Medicare?

Inā loaʻa iā ʻoe kahi hana ʻoki haʻi waha i manaʻo ʻole ʻia he pono olakino, e loaʻa iā ʻoe nā kumukūʻai āpau e pili ana iā ia.

Inā pono ka lāʻau lapaʻau ʻana i kāu kaʻina hana waha, aia mau nō ke kumukūʻai āu e uku ai. O kahi laʻana:

• Copay. E uhi ana ʻo Medicare i ka 80 pākēneka o ke kumu kūʻai i ʻae ʻia e Medicare e pono ai no kahi ʻoki waha e pono ai ke olakino, ke hāʻawi ʻia ia e kahi mea hāʻawi i ʻae ʻia e Medicare. Pākuʻi ʻia kēia i nā kukuna X a me nā lawelawe ʻē aʻe āu e pono ai. Inā hana ʻia kāu kaʻina hana i ka haukapila a ʻaʻohe ou ʻinikua Medigap hou, e kuleana ʻoe no 20 pākēneka o ke kumukūʻai.
• Lawe ʻia. No ka hapanui o ka poʻe, Medicare Part B he hoʻoliʻiliʻi makahiki i $ 198 e pono e hoʻokō ʻia ma mua o ka uhi ʻia ʻana o nā lawelawe, e like me ka ʻoki ʻana o ka waha pono.
• Uku uku mahina. Loaʻa i ka Medicare ʻĀpana B kahi kūlana maʻamau o ka $ 144.60. Heʻuʻuku paha kēia iā ʻoe inā ʻoe e loaʻa ana i nā pōmaikaʻi palekana kaiaulu i kēia manawa, a i ʻoi aku paha ke kumukūʻai iā ʻoe e pili ana i kāu loaʻa kālā o kēia manawa.
• Nā Lapaʻau. Pono ʻoe e loaʻa i ka Medicare Part D a i ʻole kekahi ʻano o ka lāʻau e uhi ai e uhi a pau a i ʻole kekahi hapa o ke kumukūʻai o kāu mau lāʻau. Inā ʻaʻohe ou uhi lāʻau, e kuleana ʻoe no ke kumukūʻai o nā lāʻau e koi ʻia.

He aha nā lawelawe niho a Medicare e uhi ai?

Medicare kumu (mau ʻāpana A a me B)

ʻAʻole uhi ka Medicare i ka hapa nui o nā lawelawe niho e like me ka hoʻomaʻemaʻe, hoʻopihapiha, nā unuhi ʻana, nā kahua niho, a me nā ʻoki waha. Eia nō naʻe, hiki ke uhi ʻia i ke kaha waha inā pono pono ia i ka lāʻau.

Nā hoʻolālā Medicare Advantage (Medicare supplement plan)

ʻO kekahi o nā hoʻolālā Medicare Advantage me ka uhi ʻana no nā lawelawe kahua niho. Inā makemake ʻoe i ka uhi niho, hoʻohālikelike i nā hoʻolālā i hāʻawi ʻia i kou mokuʻāina, a nānā i nā hoʻolālā e hoʻopili ʻia me ka niho. Loaʻa i kahi Medicare kahi mea ʻimi e kōkua iā ʻoe e hoʻohālikelike i nā kulekele Medicare Advantage i hāʻawi ʻia i kāu wahi.

ʻO ka uhi Medicare no nā lawelawe kahua niho

Ke laina lalo

ʻO nā lawelawe niho maʻamau a me nā kaʻina hana o ka waha e koi ʻia no ka olakino niho wale nō ʻaʻole uhi ʻia e Medicare kumu. Akā ʻo ke kahakaha waha e pono ai no ke olakino a me ke olakino hiki ke uhi ʻia e kekahi Medicare Advantage plan.

Inā ʻoe e pono i kahi ʻoki lāʻau waha e pono ai no ke olakino, hiki i ka Medicare kumu ke uku no ke kaʻina hana. ʻOiai paha, loaʻa paha iā ʻoe nā kumukūʻai ma waho o ka ʻeke e uku.

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.