Ehia nā kumukūʻai o Medicare Part C i 2021?
Anter
- He aha ka Medicare Part C?
- Nā ʻōlelo aʻoaʻo no ke koho ʻana i kahi hoʻolālā
- Nā kumu e hoʻopili i kāu helu Medicare Part C
- Nā Premiums
- Hoʻolālā
- Copayments a me ka coinsurance
- ʻAno hoʻolālā
- Auila
- Loaʻa kālā
- Max-waho-ʻeke
- Mālama i nā koina C ʻāpana
- He aha ke kumukūʻai ʻo Medicare Part C?
- ʻOi aku ke kumukūʻai ʻo Medicare Advantage ma mua o Medicare kumu?
- Pehea wau e uku ai i kaʻu bila ʻāpana C?
- Kōkua i ka uku ʻana no Medicare
- ʻO ka lawe lawe ʻana
- ʻO Medicare ʻĀpana C kekahi o nā koho Medicare he nui.
- Mālama nā ʻāpana C i nā mea a Medicare i uhi ai, a he nui nā hoʻolālā ʻĀpana C e hāʻawi i ka uhi hou aʻe no nā mea e like me ka niho, ʻike, a me ka hoʻolohe ʻana.
- Mālama ʻia ka ʻāpana C e nā ʻoihana inikua pilikino a me nā kumukūʻai a i hoʻonohonoho ʻia e kēlā mau ʻoihana.
- Hoʻokumu ʻia nā hoʻolālā ʻĀpana C iā ʻoe ma kāu code ZIP.
- Hiki iā ʻoe ke ʻimi i ka pūnaewele Medicare e ʻike i nā hoʻolālā e hāʻawi ʻia i kāu wahi.
ʻO Medicare kumu a me Medicare ʻāpana C he mau ʻinikua like ʻole me nā koina like ʻole.
Hoʻoholo nā mea he nui i nā koina Medicare Part C, e like me nā uku, nā unuhi, nā copayments, a me nā coinsurance. Hiki ke helu ʻia kēia mau kālā mai $ 0 a i mau haneli kālā no nā uku uku mahina a me nā hōʻemi makahiki.
Ma kēia ʻatikala, e ʻimi mākou i nā koina Medicare Part C, nā kumu i hāʻawi iā lākou, a hoʻohālikelike i kekahi mau kumukūʻai hoʻolālā mai nā wahi o ʻAmelika Hui Pū ʻIa.
He aha ka Medicare Part C?
ʻO Medicare Advantage (ʻĀpana C) kahi ʻokoʻa i ka Medicare kumu i hāʻawi ʻia e nā ʻoihana ʻinikua pilikino.
Inā loaʻa iā ʻoe ka Medicare mua akā makemake ʻoe i ka uhi hou aʻe no nā lāʻau lapaʻau a me nā lawelawe ʻē aʻe, ʻo Medicare Part C paha he koho maikaʻi na ʻoe.
Me ka hapa nui o nā hoʻolālā Medicare Part C, uhi ʻia ʻoe no:
- Ka uhi o ka haukapila (ʻĀpana A). Uhi ʻia i nā lawelawe haukapila, mālama mālama home, mālama hale hānai, a me ka mālama hale maʻi.
- Uhi lāʻau lapaʻau (ʻĀpana B). Uhi kēia i nā kipa mālama ola e pili ana i ka pale, diagnostic.
- Uhi lāʻau lāʻau kuhikuhi (ʻĀpana D). Uhi kēia i nā kumukūʻai lāʻau lāʻau i kēlā me kēia mahina.
- Kahua niho, hihiʻo, a me ka uhi pepeiao. Uhi kēia i nā makahiki i ka nānā ʻana a me kekahi pono pono kōkua.
- Nā perks hou aʻe. Mālama kekahi mau hoʻolālā i nā lawelawe mālama ola, e like me nā lālā hoʻoikaika kino a me ka lawe ʻana i nā koho a ke kauka.
Ke koho ʻoe i kahi hoʻolālā Medicare Part C, aia nā koho ʻokoʻa ʻokoʻa hiki iā ʻoe ke koho mai. Aia kēia mau koho hoʻolālā i:
- Nā hui mālama ola (HMO)
- ʻO nā ʻoihana Hoʻolaha ʻoi aku ka makemake (PPO)
- Uku Uku-no-Hana (PFFS)
- Nā Manaʻo Pono Pono (SNP)
- Nā Helu mālama mālama Medicare (MSA)
Hāʻawi kēlā me kēia o kēia mau hoʻolālā i nā pono like ʻole e pili ana i kāu kūlana olakino.
Nā ʻōlelo aʻoaʻo no ke koho ʻana i kahi hoʻolālā
Nui nā kumu e noʻonoʻo ai i ke koho ʻana i kahi hoʻolālā Medicare Advantage. E noʻonoʻo e pili ana i kāu pono olakino, pehea e hiki ai iā ʻoe ke uku, ke ʻano o ka ʻinikua āu i kēia manawa, a pehea ka maikaʻi o ka hoʻokō ʻana i kāu mau pono.
Hiki nō iā ʻoe ke hoʻohana i kā Medicare loaʻa i kahi pono hana e hoʻohālikelike i nā hoʻolālā e hōʻoia i ka hoʻolālā āu e koho ai i nā mea e pono ai.
Nā kumu e hoʻopili i kāu helu Medicare Part C
ʻO ka hapa nui o kāu kumukūʻai Medicare Part C e hoʻoholo ʻia e ka hoʻolālā āu e koho ai. Eia nō naʻe, hiki i kou nohona a me kāu kūlana kālā ke hopena i kāu koina.
Eia kekahi o nā kumu maʻamau e hoʻopili i ka mea āu e uku ai no kahi hoʻolālā Medicare Part C.
Nā Premiums
ʻO kekahi mau papahana Medicare Part C he "manuahi," ʻo ia hoʻi ʻaʻohe o lākou uku uku mahina. ʻOiai me kahi papa hana Medicare Advantage zero-premium, ʻaiʻē paha ʻoe i kahi uku ʻāpana B.
Hoʻolālā
ʻO ka hapa nui o nā hoʻolālā Medicare Part C loaʻa kahi hoʻolālā ʻelua a hoʻoliʻiliʻi ʻia kahi lāʻau. Nui (akā ʻaʻole āpau) o nā hoʻolālā Medicare Advantage manuahi e hāʻawi i kahi hoʻolālā $ 0 e lawe ʻia.
Copayments a me ka coinsurance
ʻO nā Copayments kahi āu e ʻaiʻē ai no ke kipa ʻana o kēlā me kēia kauka a i ʻole ka hoʻopiha hou ʻana i ka lāʻau. ʻO nā kālā ʻoihana pū kekahi o nā pākēneka o nā lawelawe e pono ai ʻoe e uku ma waho o ka ʻeke ma hope o ka hoʻokō ʻia ʻana o kāu hoʻoliʻiliʻi.
Inā hoʻopiʻi kāu hoʻolālā i kahi copayment no ke keʻena o ke kauka a me nā kipa loea, hiki i kēia mau kumukūʻai ke hoʻohui koke no nā poʻe me nā kūlana olakino hoʻomau e kipa pinepine ai i ke keʻena.
ʻAno hoʻolālā
ʻO ke ʻano o kāu hoʻolālā āu e koho ai hiki i kahi hopena i ka nui o kāu kumukūʻai Medicare Part C. ʻO kahi laʻana, inā ʻoe ma kahi hoʻolālā HMO a i ʻole PPO akā koho e kipa i kahi mea hāʻawi i waho o ka pūnaewele, hiki i kēia ke hoʻonui i kāu mau koina.
Auila
ʻOiai ʻo Medicare e uhi i nā lawelawe ma ka ʻāina holoʻokoʻa, ʻo ka hapa nui o nā hoʻolālā Medicare Advantage i hoʻonohonoho ʻia ma kahi o kahi. ʻO ka manaʻo kēia inā ʻoe e huakaʻi pinepine, ʻike paha ʻoe iā ʻoe iho paʻa me nā bila lapaʻau o waho o ke kaona.
Loaʻa kālā
Hiki i kāu loaʻa kālā makahiki āpau ke helu i ka nui o kāu uku no kāu Medicare Part C nā koina. No ka poʻe nele i ka loaʻa kālā a i ʻole nā kumuwaiwai, aia kekahi papahana e hiki ke kōkua i ka hoʻohaʻahaʻa ʻana i kāu kumukūʻai Medicare.
Max-waho-ʻeke
ʻO kahi keu pono o Medicare Part C ʻo ia nā hoʻolālā Medicare Advantage āpau i kahi i waho o ka ʻeke. Hoʻololi kēia nui akā hiki ke kau ʻia mai nā tausani haʻahaʻa a piʻi i luna o $ 10,000-plus.
Mālama i nā koina C ʻāpana
ʻO kekahi o nā mea mua āu e hiki ai ke hana e mālama i kāu Medicare Part C nā kumu kūʻai e heluhelu ma o nā leka makahiki aʻe mai kāu hoʻolālā.
- Hōʻikeʻike o ka uhi ʻana (EOC)
- Hoʻolaha Hoʻololi o ka Hoʻololi (ANOC)
Hiki i kēia mau leka hoʻomaopopo ke kōkua iā ʻoe e hoʻoholo pono i nā kumukūʻai āu e uku ai mai ka ʻeke no kāu hoʻolālā, a me nā loli kumukūʻai e hoʻomaka i kēia makahiki aʻe.
He aha ke kumukūʻai ʻo Medicare Part C?
Aia kekahi mau kumu kūʻai like ʻole e pili ana i nā hoʻolālā Medicare Part C. Loaʻa kēia mau kumukūʻai:
- ʻO kēlā me kēia mahina uku hoʻolālā C ʻāpana C
- Mahele B uku nui
- hoʻemi ʻia i loko o ka pūnaewele
- hoʻemi ʻia ka lāʻau
- kopeka
- puʻukū kālā
ʻOkoʻa paha kāu mau koina e pili ana i kāu uhi, ʻano hoʻolālā, a inā loaʻa iā ʻoe kekahi kōkua kālā hou aʻe.
Ma lalo iho kahi laʻana o Medicare Part C hoʻolālā i nā kumukūʻai mai nā mea hoʻolako inikua nui i nā kūlanakauhale a puni ʻo ʻAmelika Hui Pū ʻIa.
| Inoa hoʻolālā | Kulanakauhale | Mahina premium | Unuhi ʻia ke olakino, hoʻemi ʻia ka lāʻau | Ke kauka primay copay | Copay hoʻomalu | Max-waho-ʻeke |
|---|---|---|---|---|---|---|
| ʻO Anthem MediBlue StartSmart Plus (HMO) | Kahului, HI | $0 | $0, $0 | $5 | $0–$20 | $ 3,000 ma ka pūnaewele |
| ʻO Cigna Medicare Koho Pono (PPO) | ʻO Denver, CO | $0 | $0, $0 | $0 | $35 | $ 5,900 i ka pūnaewele, $ 11,300 i loko a ma waho o ka pūnaewele |
| HumanaChoice H5216-006 (PPO) | Madison, WI | $48 | $0, $250 | $10 | $45 | $ 6,000 ma ka pūnaewele, $ 9,000 i loko a ma waho o ka pūnaewele |
| Humana Gold Plus H0028-042 (HMO) | ʻO Houston, TX | $0 | $0, $195 | $0 | $20 | $3450 i ka pūnaewele |
| Palapala Kuhina Nui Aetna Medicare (PPO) | Nashville, MA | $0 | $0, $0 | $0 | $40 | $ 7,500 ma ka pūnaewele, $ 11,300 i waho o ka pūnaewele |
| Kaiser Permanente Medicare Advantage Standard MD (HMO) | ʻO Baltimore, MD | $25 | $0, $0 | $10 | $40 | $ 6,900 i ka pūnaewele |
ʻO nā kuhi ma luna no 2021 a he ʻāpana wale nō ia o nā koho plan he nui i hāʻawi ʻia i kēlā me kēia wahi.
No kahi kuhi pilikino pilikino o ka Medicare Part C hoʻolālā i nā kumukūʻai ma muli o kāu kūlana olakino pākahi, e kipa i kēia mea loaʻa mea hana hoʻolālā Medicare.gov a hoʻokomo i kāu code ZIP e hoʻohālikelike i nā hoʻolālā kokoke iā ʻoe.
ʻOi aku ke kumukūʻai ʻo Medicare Advantage ma mua o Medicare kumu?
ʻOiai paha e like paha me ke kumukūʻai ʻo Medicare Advantage i ke kumu kūʻai ʻoi aku ma mua o Medicare kumu, hiki iā lākou ke kōkua maoli i ka mālama ʻana i nā lilo lapaʻau.
Ua ʻike ʻia ma lalo iho nei he haʻahaʻa nā kumukūʻai kauka no nā poʻe i kākau inoa ʻia i nā hoʻolālā Medicare Advantage. Hoʻohui ʻia, mālama ka poʻe pōmaikaʻi Medicare Advantage i ke kālā hou aku i nā mea e like me nā lako olakino a me nā hoʻokolohua lab.
Pehea wau e uku ai i kaʻu bila ʻāpana C?
ʻO ka hapa nui o nā ʻoihana e hāʻawi nei i nā hoʻolālā Medicare Part C i nā ʻano like ʻole e uku i kāu uku. Aia kēia mau koho i:
- uku pila pūnaewele
- huki aunoa mai kāu waihona pēke
- haʻalele aunoa mai kāu kaiapili Social Security a i ʻole Railroad Retensions Board e hōʻoia
- hōʻoia a kauoha kālā paha
Kōkua i ka uku ʻana no Medicare
Inā pilikia ʻoe i ka uku ʻana i kāu kumukūʻai Medicare Part C, aia nā kumuwaiwai i hiki ke kōkua:
ʻO ka lawe lawe ʻana
- He koho ʻoi loa ʻo Medicare Part C no ka mea pōmaikaʻi Medicare e ʻimi nei i kahi uhi hou aʻe.
- ʻO kāu kumukūʻai Medicare Part C e pili pū me nā uku uku, nā unuhi, nā copayments, a me nā moni ʻāpana.
- E hoʻoholo ʻia kāu mau koina e pili ana i kāu ʻano hoʻolālā, i nā manawa hea ʻoe e pono ai i nā lawelawe lapaʻau, a me ke ʻano o nā kauka āu e ʻike ai.
- Inā he 65 a ʻoi paha kou mau makahiki a i ʻole he mau kīnā paha, hiki iā ʻoe ke noi no Medicare.
- E kipa aku i ka pūnaewele ʻo Social Security Administration no ka ʻike hou aku e pili ana i ka pehea e noi ai a kākau inoa.
Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 20, 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.
ʻO Kā Mākou’Ōlelo
ʻO ka 'ʻAi no ʻelua' I ka wā o ka manaʻo hāpai he kuhi hewa maoli nō ia