Hana ʻo Medicare Original, Medigap, a me Medicare Advantage Cover Cover Preexisting Conditions?

Anter

• Hoʻopili paha nā hoʻolālā hoʻōla Medicare i nā kūlana preexisting?
• Hiki iā ʻoe ke hōʻole ʻia i ka uhi ʻana o Medigap?
• Uhi ʻo Medicare Advantage i nā kūlana preexisting?
• Nā papahana pono kūikawā Medicare Advantage
• Lawe aku

ʻO Medicare kumu - i komo pū me ka ʻĀpana A (ʻinikua haukapila) a me ka ʻāpana B (ʻinikua olakino) - uhi ʻia nā kūlana preexisting.

E uhi pū ka Medicare Part D (ʻinikua lāʻau lapaʻau) i nā lāʻau lapaʻau āu e lawe nei i kēia manawa no kāu kūlana preexisting.

E hoʻomau i ka heluhelu e aʻo hou aʻe e pili ana i ka Medicare hoʻolālā e uhi ai i nā kūlana preexisting, a he aha nā hanana e hōʻole iā ʻoe i ka uhi ʻana.

Hoʻopili paha nā hoʻolālā hoʻōla Medicare i nā kūlana preexisting?

Hāʻawi ʻia nā hoʻolālā kōkua Medicare (Medigap plan) e nā ʻoihana pilikino i ʻae ʻia e Medicare. Uhi nā hoʻolālā Medigap i kekahi o nā kumukūʻai i uhi ʻole ʻia e Medicare kumu, e like me nā deductibles, coinsurance, a me nā copayments.

Inā kūʻai ʻoe i kahi hoʻolālā Medigap i kāu wā kākau inoa hāmama, ʻoiai inā he kūlana preexisting ʻoe, hiki iā ʻoe ke kūʻai aku i kahi kulekele Medigap i kou mokuʻāina. ʻAʻole hiki iā ʻoe ke hōʻole ʻia i ka uhi ʻana a uku ʻoe i ke kumukūʻai like me ka poʻe me ka ʻole o kahi kūlana preexisting.

Hoʻomaka kāu manawa kākau inoa wehe no ka uhi Medigap i ka mahina ʻo 65 a / a i ʻae ʻia ʻoe i Medicare Part B.

Hiki iā ʻoe ke hōʻole ʻia i ka uhi ʻana o Medigap?

Inā noi ʻoe no ka laulā Medigap ma hope o kāu kau inoa inoa hāmama, ʻaʻole paha ʻoe e hoʻokō i nā koi kākau kākau olakino a hiki ke hōʻole ʻia i ka uhi ʻana.

Uhi ʻo Medicare Advantage i nā kūlana preexisting?

Hāʻawi ʻia nā hoʻolālā Medicare Advantage (Medicare Part C) e nā ʻoihana pilikino i ʻae ʻia e Medicare. Hoʻohui ʻia kēia mau hoʻolālā e hoʻopili i nā ʻĀpana Medicare A a me B, ʻo Medicare Māhele D maʻamau, a pinepine pinepine i ka uhi e like me ka niho a me ka hihiʻo.

Hiki iā ʻoe ke komo i kahi hoʻolālā Medicare Advantage inā loaʻa iā ʻoe kahi kūlana preexisting ke ʻole ʻo ia ke kūlana preexisting ka hopena hopena maʻi maʻi maʻi (ESRD).

Nā papahana pono kūikawā Medicare Advantage

Hoʻolālā ʻo Medicare Advantage Special Needs Plans (SNPs) me nā ʻĀpana Medicare A, B, a me D a loaʻa wale no nā poʻe me kekahi ʻano olakino e like me:

• nā maʻi autoimmune: maʻi celiac, lupus, rheumatoid arthritis
• maʻi ʻaʻai
• kekahi, hoʻopono ʻana i nā kūlana olakino olakino
• maʻi maʻi maʻi
• kaukaʻi kau mau a me / a i ʻole ka waiʻona
• holo pono ʻole o ka naʻau
• nā maʻi puʻupuʻu mau: hānō, COPD, empysema, hypertension pulmonary
• lualua
• mimikō mellitus
• hoʻopau pae maʻi ate
• hoʻopau pae renal maʻi (ESRD) e koi dialysis
• HIV / AIDS
• nā maʻi hematological: thrombosis hohonu (DVT), anemia pūnaewele maʻi, thrombositopenia
• nā maʻi neurological: epilepsy, sclerosis maha, maʻi ʻo Parkinson, ALS
• hahau

Inā kūpono ʻoe i SNP a loaʻa kahi hoʻolālā kūloko, hiki iā ʻoe ke kākau inoa i kēlā me kēia manawa.

Inā ʻaʻole ʻoe e kūpono hou no kahi Medicare SNP, hiki iā ʻoe ke hoʻololi i kāu uhi ʻana i ka wā o ke kākau inoa kūikawā ʻana e hoʻomaka ke haʻi ʻia ʻoe e kāu SNP ʻaʻole hiki ke koho ʻia no ka hoʻolālā a hoʻomau no 2 mau mahina ma hope o ka pau ʻana o ka uhi ʻana.

Lawe aku

ʻO Medicare Original - Māhele A (ʻinikua haukapila) a ʻāpana B (ʻinikua olakino) - uhi ʻia nā kūlana preexisting.

Inā loaʻa iā ʻoe kahi kūlana preexisting, e noʻonoʻo e kau inoa no kahi hoʻolālā Medigap (Medicare supplement plan) kulekele.

Hāʻawi ʻo Medigap i kahi manawa kau inoa hāmama kahi ʻaʻole hiki iā ʻoe ke hōʻole ʻia i ka uhi ʻana, a e uku ʻoe i ke kumukūʻai like me ka poʻe me ka ʻole o nā kūlana preexisting. Hiki iā ʻoe ke hōʻole ʻia inā uhi ʻoe i waho o kāu wā kākau inoa hāmama.

Inā ʻoe e noʻonoʻo ana i kahi hoʻolālā Medicare Advantage, e hilinaʻi ana i kāu kūlana preexisting, e alakaʻi ʻia paha ʻoe i kahi hoʻolālā pono kūikawā Medicare Advantage (SNP).

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.