Pehea wau e uku ai no Medicare?

Anter

• Hōʻike Overview
• ʻO wai ka mea e kūpono i ka uhi ʻana o Medicare?
• Ehia nā kumukūʻai o kēlā me kēia hoʻolālā?
• ʻO Medicare ʻĀpana A - Haukapila
• Medicare Māhele B - Kipa ʻia ke kauka / kauka
• Medicare Māhele C - Nā hoʻolālā maikaʻi (haukapila, kauka, a me ke kauka)
• ʻO Medicare Māhele D - Nā lāʻau lapaʻau
• Pehea e hiki ai iā ʻoe ke hōʻemi i nā kumukūʻai Medicare?

Hōʻike Overview

Inā ʻoe e noʻonoʻo ana i ka hoʻomaha loa ʻana, ʻaʻole hiki iā ʻoe ke hoʻomaka i ka hoʻolālā ʻana i ke kakahiaka nui. ʻOi aku ka maikaʻi e hoʻomaka i ka hoʻolālā ma 3 mau mahina ma mua o kou huli ʻana i 65. E kōkua kēia iā ʻoe e hana i kahi hoʻoholo kūpono a pale i nā hoʻopaʻi no ka haʻalele ʻana i ka wā kau inoa.

ʻO wai ka mea e kūpono i ka uhi ʻana o Medicare?

Inā kokoke ʻoe i 65 a i ʻole 65 a ʻoi paha ou makahiki, pono ʻoe e pane i kekahi mau nīnau maʻamau.

• He kamaʻāina ʻoe a i ʻole noho kamaʻāina?
• Ua noho ʻoe ma ʻAmelika Hui Pū ʻIa no ka liʻiliʻi o ʻelima mau makahiki?
• Ua hana paha ʻoe ma kahi o 10 mau makahiki i ka hana i uhi ʻia e Medicare a hāʻawi paha i ka mea like ma o nā ʻauhau hana pilikino?

Inā ʻoe i pane ʻae i kēia mau nīnau āpau, kūpono ʻoe e kākau inoa ma Medicare. Inā ʻaʻole ʻoe e hoʻokō i kēia pae hoʻohālikelike, hiki iā ʻoe ke hoʻopaʻa inoa ma Medicare akā pono ʻoe e uku i kahi uku no kēlā me kēia mahina.

No ka hapanui o ka poʻe, Medicare Part A (haukapila) e hāʻawi ʻia iā ʻoe me ka uku ʻole. ʻO Medicare Part B (kipa kauka / mālama olakino) o ka papahana Medicare kuʻuna kahi papahana i koho ʻia.

E uku ʻoe i kahi uku uku no kēlā me kēia mahina no ka Medicare ʻĀpana B. Inā loaʻa iā ʻoe ka palekana kaiāulu, ka papa hoʻomaha kau alahao, a i ʻole ke keʻena o nā lawelawe ʻoihana limahana, e unuhi wale ʻia kāu uku B ʻāpana mai kāu uku uku uku pōmaikaʻi. Inā ʻaʻole ʻoe e loaʻa i kēia mau uku uku pōmaikaʻi, e loaʻa iā ʻoe kahi bila.

Inā makemake ʻoe i nā Medicare Advantage Plans (hoʻohui uhi) ma o ke kākau inoa mua ʻana a i ʻole ka hoʻololi ʻana o ka uhi ʻana, he nui nā mea āu e noʻonoʻo ai. ʻO ke kī e nānā i kahi hoʻolālā e kū i kāu mau pono āpau a kūpono i loko o kāu waihona kālā.

E uku ʻoe i nā uku keu ʻoi aku ka nui o ka mahina no ka hoʻolilo ʻana i nā lilo o ka ʻeke haʻahaʻa i lalo. I ka hapanui o nā hihia, e unuhi ʻia a me nā copay no ka nui o nā lawelawe lapaʻau, nā huahana, a me nā kaʻina hana. Inā koho ʻoe iā Medicare Plan D (kuhikuhi), e uku pū ʻoe i kahi uku no kēlā me kēia mahina.

Ehia nā kumukūʻai o kēlā me kēia hoʻolālā?

He mau mōhai like ʻole kā kēlā me kēia papahana Medicare. Eia ke nānā aku i nā kumukūʻai e pili ana i kēlā me kēia hoʻolālā, e like me nā uku, nā copay, a me nā lilo o waho o ka ʻeke.

ʻO Medicare ʻĀpana A - Haukapila

No ka hapanui o ka poʻe, e hāʻawi ʻia ka ʻāpana A iā ʻoe me ka uku ʻole. Inā pono ʻoe e kūʻai i ka ʻāpana A, uku ʻoe i $ 437 i kēlā me kēia mahina.

Pono e uku ʻia kahi huina deductible o $ 1,364 e ka mea mālama i ka ʻinikua (ʻo ʻoe) no kēlā me kēia wā pōmaikaʻi.

Hoʻokumu ʻia nā Copayments ma ka helu o nā lā o ka haukapila.

Hiki ke uku ʻia nā uku no ke kākau inoa lohi me 10 pākēneka o kāu uku. Uku ʻia nā uku no ʻelua mau manawa i ka helu o nā makahiki ʻaʻole ʻoe i kākau inoa ʻia.

ʻAʻohe palena palena o ka ʻeke no ka nui āu e uku ai.

Medicare Māhele B - Kipa ʻia ke kauka / kauka

Uku ka hapa nui i ka $ 135.30 i kēlā me kēia mahina. ʻOi aku ka uku o kekahi poʻe ma ka pae loaʻa kiʻekiʻe.

ʻO ka unuhi ʻia he $ 185 i kēlā me kēia makahiki. Ma hope o ka hoʻokō ʻia ʻana o kāu deductible, uku mau ʻoe i ka 20 pakeneka o ke kumukūʻai o nā lawelawe.

Hiki iā ʻoe ke manaʻo e uku:

• $ 0 no nā lawelawe keʻena hoʻokolohua i ʻae ʻia e Medicare
• $ 0 no nā lawelawe mālama ola home
• 20 pākēneka o ka Medicare i ʻāpono ʻia no ka pono olakino pono, e like me ka mea hele, noho huila, a wahi moe o ka haukapila
• 20 pakeneka no nā lawelawe olakino noʻonoʻo maʻi maʻi
• 20 pakeneka no nā lawelawe haukapila maʻi

Hiki ke uku ʻia nā uku no ke kākau inoa lohi me 10 pākēneka o kāu uku. Uku ʻia nā uku no ʻelua mau manawa i ka helu o nā makahiki ʻaʻole ʻoe i kākau inoa ʻia.

ʻAʻohe palena palena o ka ʻeke no ka nui āu e uku ai.

Medicare Māhele C - Nā hoʻolālā maikaʻi (haukapila, kauka, a me ke kauka)

Hoʻololi nā uku o ka ʻāpana C ma ka helu o kāu loaʻa kālā i hōʻike ʻia no ʻelua mau makahiki, nā koho pōmaikaʻi, a me ka hoʻolālā ponoʻī.

ʻO ka nui āu e uku ai no nā ʻāpana C deductibles, copayments, a me coinsurance ʻokoʻa e ka hoʻolālā.

E like me ka Medicare kuʻuna, nā Plans Advantage e uku iā ʻoe i kahi ʻāpana o ke kumukūʻai no nā lawelawe olakino uhi ʻia. ʻO kāu mahele o ka pila ma waena o 20 pākēneka a 40 pākēneka a ʻoi paha, kaukaʻi ʻia i kāu mālama ʻana.

Loaʻa nā palena āpau i nā hoʻolālā āpau āpau i kāu kumukūʻai ma waho o ka ʻeke no nā lawelawe lapaʻau. ʻO ka palena maʻamau ma waho o ka ʻeke mai ka $ 3,000 a $ 4,000.I ka 2019, ka palena nui o waho o ka ʻeke he $ 6,700.

Me ka hapa nui o nā hoʻolālā, ke hiki aku ʻoe i kēia palena, ʻaʻole ʻoe e uku i kekahi mea no nā lawelawe uhi ʻia. ʻO kēlā me kēia uku mahina āu e uku ai no ka laulā Medicare Advantage ʻaʻole ia e helu i ka nui o kāu hoʻolālā ma waho o ka ʻeke.

ʻO kēlā me kēia kumukūʻai i uku ʻia no ka uhi lāʻau lāʻau lapaʻau (waho D) ʻaʻole pili i kāu ka palena ʻoi aku o ka ʻeke.

ʻO Medicare Māhele D - Nā lāʻau lapaʻau

Hoʻololi ka hapa nui o ka uku D mahina ma ka hoʻolālā āu e koho ai a me kahi o ka ʻāina āu e noho nei. Hiki iā lākou ke pae mai $ 10 a $ 100 i kēlā me kēia mahina. ʻOi aku paha nā kiʻekiʻe ma luna o kāu loaʻa kālā i hōʻike ʻia no ʻelua mau makahiki ma mua o ke kau inoa ʻana.

ʻO ka nui āu e uku ai no kāu ʻāpana D hōʻemi makahiki ʻaʻole hiki ke ʻoi aku ma mua o $ 360.

Ma hope o kou hōʻea ʻana i kahi nui i koho mua ʻia i nā copayments, ua hōʻea ʻoe i ke āpau uhi, a kapa ʻia hoʻi ʻo "ka lua donut." Wahi a ka pūnaewele Medicare no 2019, ke lilo ʻoe a me kāu hoʻolālā i $ 3,820 ma nā lāʻau i uhi ʻia, aia ʻoe i ke āpau uhi. E loli paha kēia nui mai kēlā makahiki a kēia makahiki. Eia hou, ʻo ka poʻe i kūpono i ke kōkua keu ke uku nei i nā koina D ʻāpana, mai hāʻule i ka hakahaka.

I ka wā o ke ākea, e uku ʻoe i ka 25 pākēneka no ka nui o nā inoa inoa inoa inoa, a me 63 pākēneka no nā lāʻau laulaha. Inā loaʻa iā ʻoe kahi hoʻolālā Medicare e hoʻopili ana i ka uhi ma ka hakahaka, loaʻa paha iā ʻoe kahi uku ho'ēmi hou aʻe ma hope o ka hoʻopili ʻia ʻana o kāu uhi i ke kumukūʻai o ka lāʻau. Kaomi ma aneʻi no ka ʻike hou o ka hakahaka o ka uhi.

I ka manawa i hoʻolilo ai i $ 5,100 ma waho o ka ʻeke, ʻaʻole ʻoe i waho o ke āpau a ʻo ia hoʻi i loko o ka mea i kapa ʻia ʻo "catastrophic uhi." Ke kū nei ʻoe i ka pōʻaiapili pōpilikia, pāʻani wale ʻoe i kahi huina kālā liʻiliʻi (copayment) no nā lāʻau i uhi ʻia no ke koena o ka makahiki.

Hiki ke uku ʻia nā uku no ke kākau inoa lohi me 10 pākēneka o kāu uku. Uku ʻia nā uku no ʻelua mau manawa i ka helu o nā makahiki ʻaʻole ʻoe i kākau inoa ʻia.

Pehea e hiki ai iā ʻoe ke hōʻemi i nā kumukūʻai Medicare?

E hōʻoia e kau inoa i kāu manawa i koi ʻia e hōʻalo i nā hoʻopaʻi kūpono, a koho wale i ka uhi āu e manaʻo ai e hoʻohana. Inā lawe ʻoe i kekahi mau lāʻau i kuhikuhi ʻia a i ʻole lawe ʻoe i nā lāʻau lapaʻau haʻahaʻa, ʻaʻole paha ʻoe e makemake e kūʻai i ka lāʻau lapaʻau.

Inā ʻoe e koho i kahi hoʻolālā lāʻau hoʻomākaukau ʻaʻole paha, e noi ana i nā mana generic o nā inoa inoa inoa inoa hiki ke mālama pū ʻia i kāu kālā.

Hiki i kekahi mau papahana ma o Medicare ke kōkua iā ʻoe e uku no kāu uku. I mea e kūpono ai i nā papahana, pono ʻoe:

• kūpono i ka ʻāpana A
• loaʻa kahi pae loaʻa e like ai a i ʻole ʻoi aku ma mua o ka nui o ka nui ma kēlā me kēia papahana
• loaʻa he mau palena waiwai

Loaʻa nā papahana ʻelima i kēia manawa:

• Polokalamu Pono Pono Medicare (QMB)
• ʻO ka Polokalamu Medicare beneficiary (SLMB) kikoʻī i hōʻike ʻia
• Polokalamu Pilikino Pilikino (QI)
• Polokalamu Hana Hana Pilikino No nā Pono Kuleana (QDWI)
• Polokalamu Kōkua keu no ka lāʻau lapaʻau (Medicare Part D)

Hiki i kēia mau papahana ke kōkua iā ʻoe e uku no ka uku mua o ka ʻāpana A a me ka ʻāpana B, a me nā kumu kūʻai ʻē aʻe e like me nā deductibles, coinsurance, a me nā copayments.