He ulia pōpilikia ia! Hana ʻo Medicare Part A Cover i kahi kipa lumi pilikia?

Anter

• Ke kipa aku nei ʻo Medicare Part A iā ER?
• He aha kahi ʻano MOON?
• He aha ka ʻokoʻa ma waena o ka copay a me ka coinsurance?
• ʻO nā ʻāpana o Medicare uhi iā ER mālama inā ʻaʻole ʻoe i ʻae ʻia i ka haukapila?
• Mahele B Medicare
• Mahele Medicare C
• Medigap
• Mahele Medicare D
• Nā lawelawe e loaʻa iā ʻoe ma ka ER
• Ehia nā kumukūʻai e hele i ka ER?
• He aha inā inā lawe kahi kaʻa kaʻa iaʻu i ka ER?
• Āhea wau e hele ai i ka ER?
• ʻO ka lawe lawe ʻana

Kāhea ʻia ʻo Medicare Part A i kekahi manawa he "ʻinikua haukapila," akā uhi wale ia i nā kumukūʻai o ke kipa lumi pilikia (ER) ke kipa ʻia ʻoe i ka haukapila e mālama i ka maʻi a ʻeha paha i lawe iā ʻoe i ka ER.

Inā ʻaʻole uhi ʻia kāu kipa ER ma lalo o Medicare Part A, hiki paha iā ʻoe ke loaʻa i ka uhi ma o Medicare Part B, C, D, a Medigap paha, e pili ana i kāu hoʻolālā kikoʻī.

E heluhelu e aʻo hou aʻe e pili ana i ka ʻāpana A uhi no nā kipa ER, me nā mea e uhi ʻia a ʻaʻole paha, a me nā koho ʻē aʻe e loaʻa iā ʻoe.

Ke kipa aku nei ʻo Medicare Part A iā ER?

Inā mālama ʻia ʻoe a hoʻokuʻu ʻia mai ka keʻena pilikia me ka ʻole o ka ʻae ʻia ʻana i ka haukapila ma ke ʻano he mea maʻi, ʻaʻole hiki i ka Medicare Part A ke uhi i kāu kipa ER.

ʻOiai ʻoe e noho i ka ER i ka pō, manaʻo ʻo Medicare Part A iā ʻoe he mea maʻi i waho inā kākau kahi kauka i kahi kauoha e ʻae iā ʻoe i ka haukapila no ka lapaʻau.

ʻO ka hapa nui o ka manawa, pono ʻoe e ʻae ʻia me he mea maʻi no ʻelua mau kau waena waena no Medicare Part A e uhi i kāu kipa.

He aha kahi ʻano MOON?

E wehewehe kāu palapala MOON i ke kumu o kou noho ʻana i ka haukapila ma ke ʻano he mea maʻi kūloko a he aha ka mālama āu e pono ai ke hoʻi ʻoe i ka home. ʻO ka loaʻa ʻana o kahi MOON kahi ala e haʻi ai i ka ʻāpana o Medicare e uku ai i kahi ʻāpana o kāu pila ER.

Inā ʻae ʻoe kahi kauka iā ʻoe i ka haukapila ma hope o ke kipa ʻana o ER a noho ʻoe i ka haukapila no ʻelua mau hola a ʻoi aku paha, uku ʻo Medicare Part A no kāu noho haukapila maʻi a me nā kumukūʻai mai ka ER mai.

ʻO ʻoe nō ke kuleana no kāu hoʻoliʻiliʻi, hoʻolimalima kālā ʻana, a me nā copayments. Inā ʻaʻole maopopo iā ʻoe inā mālama ʻia ʻoe ma waho o ka mea maʻi a i ʻole ka mea maʻi, nīnau i ke kauka e mālama iā ʻoe. Inā loaʻa iā ʻoe kahi hoʻolālā Medigap, uku paha ia i kahi ʻāpana o kāu kope a i ʻole ka puʻukū kālā.

He aha ka ʻokoʻa ma waena o ka copay a me ka coinsurance?

• Kūʻaiʻeʻe hoʻopaʻa ʻia nā kālā āu e uku ai no ka lawelawe olakino a i ʻole ke kipa keʻena. Ke kipa aku ʻoe i ka ER, loaʻa paha iā ʻoe kekahi mau kope e pili ana i ka helu o nā lawelawe i loaʻa iā ʻoe. Kaukaʻi ʻia i ka pili ʻana o ka pila o ka haukapila, ʻaʻole ʻoe e ʻaiʻē i nā copay a hiki i kekahi manawa ma hope o kāu kipa.
• Coinsurance ʻo ia ka pākēneka o ka pila āu e kuleana ai. ʻO ka maʻamau, koi ʻo Medicare iā ʻoe e uku i ka 20 pakeneka o nā kumukūʻai no kāu mālama.

ʻO nā ʻāpana o Medicare uhi iā ER mālama inā ʻaʻole ʻoe i ʻae ʻia i ka haukapila?

Mahele B Medicare

ʻO ka nūhou ka Medicare Part B (ʻinikua olakino) uku maʻamau no kāu kipa ER inā ua ʻeha ʻoe, hoʻomohala koke ʻoe i kahi maʻi, a i ʻole he maʻi e huli i kahi ʻino.

Uku ʻo Medicare Part B i ka 80 pakeneka o kāu mau koina. ʻO ʻoe ke kuleana no ka 20 pakeneka i koe. I ka 2021, he 203 ka makahiki i unuhi ʻia.

Mahele Medicare C

Hoʻolālā pū kekahi ʻo Medicare Part C (Medicare Advantage) no ER a me nā lilo mālama wikiwiki. ʻOiai ʻo Medicare mau ʻāpana B a me C e uku mau nei no nā kipa ER, e kuleana nō ʻoe no kāu hoʻoliʻiliʻi, hoʻolimalima kālā ʻana, a me nā copayments i hoʻohui ʻia i kāu uku uku mahina no kēia mau hoʻolālā.

Medigap

Inā loaʻa iā ʻoe ʻo Medigap (ʻinikua kōkua Medicare) me ka hoʻohui i kāu papahana ʻĀpana B, hiki iā ia ke kōkua iā ʻoe e uku i kāu 20 pākēneka o ke kumukūʻai o ka huakaʻi ER.

Mahele Medicare D

ʻO Medicare ʻĀpana D ka laʻau lāʻau i kuhikuhi ʻia. Inā hāʻawi ʻia ʻoe i kekahi lāʻau IV ma ka ER, Medicare ʻāpana B a C paha e uhi pinepine iā lākou.

Eia nō naʻe, inā ʻoe e pono i ka lāʻau āu e lawe maʻamau ai ma ka home a hāʻawi ʻia ia e ka haukapila ʻoiai i ka ER, manaʻo ʻia ia he lāʻau lawelawe ponoʻī. Inā loaʻa ka lāʻau i hāʻawi ʻia ma kāu papa inoa lāʻau Medicare Part D, hiki i ka ʻĀpana D ke uku no kēlā lāʻau.

Nā lawelawe e loaʻa iā ʻoe ma ka ER

Hiki iā ʻoe ke loaʻa i nā ʻano lawelawe like ʻole āu e pono ai i kahi kipa ER, me:

• ninaninau pōpilikia e hoʻokahi a ʻoi paha kauka
• hoʻokolohua hoʻokolohua
• Nā kukuna X
• scans a kānana ʻana
• lāʻau lapaʻau a ʻoki lāʻau paha
• nā lako olakino a me nā pono hana, e like me nā koʻokoʻo
• nā lāʻau

E uku pū ʻia a hoʻokaʻawale ʻia paha kēia mau lawelawe a pili i ka haukapila āu e kipa aku ai.

Ehia nā kumukūʻai e hele i ka ER?

ʻO nā wanana i 145 miliona mau poʻe e kipa aku i ka lumi pilikia i kēlā me kēia makahiki, me ka ʻoi aku o 12.5 miliona o lākou e hoʻokomo ʻia i ka haukapila no ka mālama maʻi.

Wahi a ka 'Oihana Ola a me nā lawelawe kaiāulu (HHS) ʻo ka helu waena o ka poʻe i uku no ka kipa ER ma 2017 he $ 776. E loli ka nui āu e uku ai ma muli o kahi e noho ai, ke ʻano e mālama ʻia ai ʻoe, a me ka uhi a kāu hoʻolālā e hāʻawi ai.

He aha inā inā lawe kahi kaʻa kaʻa iaʻu i ka ER?

E uku ʻo Medicare Part B no kahi holo kaʻa kaʻa i ka ER inā e hoʻoweliweli ʻia kou olakino e ka huakaʻi ʻana i kahi ala ʻē aʻe.

ʻO kahi laʻana, inā ʻeha ʻoe a mālama i kahi kaʻa kaʻa kaʻa i hiki ke hoʻopakele i kou ola, e uku ʻo Medicare iā ʻoe e lawe ʻia e ka ambulance i kahi kikowaena olakino kūpono kokoke loa.

Inā koho ʻoe e mālama ʻia ma kahi wahi mamao aku, hiki iā ʻoe ke kuleana no ka ʻokoʻa o ke kumukūʻai no ka lawe ʻana ma waena o nā pono ʻelua.

Āhea wau e hele ai i ka ER?

Inā ʻoe a i ʻole kahi mea aloha e ʻike nei i kekahi o kēia mau ʻōuli a me nā hōʻailona, ​​pono ʻoe e ʻimi i ka mālama ma ka ER koke:

• nā hōʻailona o ka hahau ʻana, e like me ka ʻōlelo slurred, nāwaliwali ma kekahi ʻaoʻao, a i ʻole ka hāʻule ʻana o ka maka
• nā hōʻailona o ka puʻuwai puʻuwai, e like me ka ʻeha o ka umauma, ka pōkole o ka hanu, ka lōkahi, ka hou ʻana, a i ʻole ka luaʻi
• nā ʻōuli o ka make wai ʻana, e laʻa me ka wikiwiki o ka puʻuwai, ka pākī, nā puʻupuʻu puʻupuʻu, a me ka make wai loa

Ke hele ʻoe i ka ER, e nānā pono i ka lawe ʻana i kahi ʻike ʻinikua, me kahi papa inoa o nā lāʻau i kēia manawa.

ʻO ka lawe lawe ʻana

Inā pono ʻoe a i ʻole mea aloha e hele i ka ER, he mea nui ia e ʻike ʻaʻole ʻo Medicare Part A e uhi i nā kipa ER ke ʻole e ʻae ʻia ka mea maʻi i ka haukapila no ka lapaʻau.

Hoʻolālā pinepine nā Medicare Part B a me Medicare Advantage plan (Medicare Part C) i ka 80 pākēneka o ke kumukūʻai o nā lawelawe ER, akā ʻo nā mea maʻi ke kuleana no ka uku kālā ʻana, nā copayment, a me nā unuhi.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 13, 2020, e hōʻike i ka ʻike 2021 Medicare.

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.