10 mau ala hiki iā ʻoe ke mālama i kāu Premium Medicare ma 2021

Anter

• 1. Kākau inoa i ka manawa
• 2. E ʻike inā kūpono ʻoe i ka ʻāpana manuahi ʻApana A
• 3. E hōʻike ke iho kāu kālā
• 4. E noʻonoʻo Medicare Advantage
• 5. Kūʻai puni
• 6. Nānā i loko Medicaid
• 7. Noi i kahi polokalamu mālama mālama Medicare
• 8. E kiʻi i ke kōkua kōkua Medicare
• 9. E ʻike inā loaʻa i kāu mokuʻāina kahi Polokalamu kōkua lāʻau lapaʻau mokuʻāina
• 10. E noiʻi i nā papahana mokuʻāina ʻē aʻe
• ʻO ka lawe lawe ʻana

• Ke kākau inoa nei i ka manawa, hōʻike i nā loli i ka loaʻa kālā, a me ke kūʻai ʻana a puni no nā hoʻolālā hiki ke kōkua i ka hoʻohaʻahaʻa ʻana i kāu uku Medicare.
• ʻO nā papahana e like me Medicaid, nā mālama mālama Medicare, a me ke Kōkua keu ke kōkua i ka uhi ʻana i kāu koina olakino.
• Loaʻa paha i nā mokuʻāina pākahi nā polokalamu e kōkua i ka uhi ʻana kēia mau meanā koina.

Kaukaʻi ʻia i ka ʻāpana Medicare a i ʻole hoʻolālā e koho ai, loaʻa paha iā ʻoe kahi uku no kēlā me kēia mahina. Hiki ke hoʻohui ʻia nā kumukūʻai o kēia uku nui.

I ka ʻoiaʻiʻo, ua manaʻo ʻia he hapahā o nā poʻe āpau me Medicare e hoʻolilo i 20 pākēneka a ʻoi paha o kā lākou loaʻa kālā ma nā uku uku a me nā lawelawe lapaʻau ʻike ʻole ʻia.

Eia nō naʻe, nui a hewahewa nā ala e kōkua ai e mālama i kāu uku uku Medicare. E hoʻomau i ka heluhelu ʻana e aʻo e pili ana i nā hoʻolālā 10 i hiki iā ʻoe ke hoʻohana e mālama i kāu mau koina.

1. Kākau inoa i ka manawa

Kākau inoa ʻia nā poʻe he nui i ka Medicare kumu (Māhele A a me ka ʻĀpana B). Eia nō naʻe, pono e kau inoa nā poʻe ʻē aʻe.

ʻO ka manawa mua e hiki ai iā ʻoe ke kākau inoa i Medicare i kou wā kākau inoa mua. He ʻehiku mahina kēia o ka mahina i huli iā ʻoe i ke 65 o ka makahiki, a ʻo nā mahina he 3 ma mua a ma hope hoʻi.

Loaʻa i nā ʻāpana o Medicare nā hoʻopaʻi no ke kākau inoa ʻana. ʻO ke kumu kēia e uku hou paha ʻoe no kāu uku uku mahina inā ʻaʻole ʻoe e kākau inoa ke koho mua ʻia ʻoe.

Eia nā hoʻopaʻi no ke kākau inoa ʻana no ka mea pili lākou i nā ʻāpana like ʻole o Medicare:

• Mahele A. Hiki ke hoʻonui i kāu uku mahina a hiki i ka 10 pakeneka. E uku ʻoe i kēia uku hoʻonui hoʻonui ʻia no ʻelua mau manawa i ka helu o nā makahiki hiki iā ʻoe ke kākau inoa i ka ʻāpana A akā ʻaʻole.
• Mahele B. Hiki i kāu uku mahina ke piʻi aʻe e 10 pākēneka o ka uku nui Mahele B no kēlā me kēia manawa he 12 mau mahina i hiki iā ʻoe ke kākau inoa i ka ʻāpana B, akā ʻaʻole i koho. E uku ʻoe i kēia i ka manawa āpau i loaʻa iā ʻĀpana B.
• Mahele D. Hiki iā ʻoe ke uku i nā koina hou aʻe no nā uku nui o ka ʻāpana D inā ʻoe i hele i 63 mau lā a ʻoi aku paha ka lōʻihi ma hope o kāu kau inoa mua ʻana me ka ʻole o kekahi ʻano o ke koi ʻana i ka lāʻau lapaʻau.

2. E ʻike inā kūpono ʻoe i ka ʻāpana manuahi ʻApana A

ʻO ka ʻike inā pono ʻoe e uku i kahi uku no kēlā me kēia mahina no ka ʻĀpana A hiki ke kōkua iā ʻoe e hoʻolālā no kahi ʻano Medicare e kākau inoa ai.

ʻAʻole uku ka hapa nui o ka poʻe i ka uku no kēlā me kēia mahina no ka Māhele A. ʻO kēia no ka mea ua uku lākou i nā ʻauhau Medicare no 40 mau hapaha (10 mau makahiki) a ʻoi.

ʻO ka poʻe i uku ʻole i nā ʻauhau Medicare no kēia nui o ka manawa e uku i ka uku no kēlā me kēia mahina no ka ʻĀpana A. I ka 2021, pono ʻoe e uku ma waena o $ 259 a $ 471 i kēlā me kēia mahina inā ʻaʻole ʻoe e koho no ka ʻāpana manuahi ʻApana A.

3. E hōʻike ke iho kāu kālā

Pili kekahi mau ʻāpana o Medicare me kahi nui hoʻoponopono e pili ana i ka loaʻa kālā (IRMAA).

He uku hoʻonui ʻo IRMAA i hiki ke hoʻopili ʻia i nā uku no kēlā me kēia mahina no ka ʻāpana B a me ka ʻāpana D i nā ʻohana me nā loaʻa kiʻekiʻe. Hoʻoholo ʻia kēia e pili ana i ka ʻike hoʻihoʻi ʻauhau loaʻa mai 2 makahiki aku nei.

Inā ʻoe e uku nei i kēia manawa me ka uku keu o kāu uku uku mahina ma muli o IRMAA, hiki iā ʻoe ke hōʻike i kahi hoʻololi o ka loaʻa kālā ma muli o kekahi mea e like me ka hemo male, ka make ʻana o ka wahine, a i ʻole ka hōʻemi ʻana i ka hana.

Hiki iā ʻoe ke hana i kēia ma ke kāhea ʻana i ka Social Security Administration (SSA), hoʻopau ʻana i kahi palapala hanana Life-Changing Event, a me ka hāʻawi ʻana i nā palapala kūpono. Hiki i ka SSA ke hoʻohana i kēia ʻike e hoʻoliʻiliʻi a hemo paha i ka uku.

4. E noʻonoʻo Medicare Advantage

Kūʻai ʻia nā hoʻolālā Medicare Advantage (ʻĀpana C) e nā ʻinikua pilikino. Hoʻopili kēia mau hoʻolālā i nā mea āpau i uhi ʻia ma lalo o Medicare kumu a komo pū paha me nā keu pono e like me ka uhi ʻana o ka niho a me ka hihi.

Hoʻololi pinepine nā ʻāpana C i nā uku haʻahaʻa o ka mahina. I ka ʻoiaʻiʻo, ua koho ʻia no nā hoʻolālā ʻĀpana C loaʻa ʻole he uku no kēlā me kēia mahina.

Ma muli o kēia, he koho maikaʻi paha nā ʻāpana C ʻona no ka poʻe e ʻimi nei i nā kumukūʻai premium haʻahaʻa. He ʻoiaʻiʻo paha kēia inā ʻoe:

• ʻaʻole kūpono i ka ʻāpana manuahi ʻo ʻA
• pono e uku i nā hoʻopaʻi no ke kākau inoa no nā ʻāpana A a me B
• pono e uku iā IRMAA no kāu papahana ʻĀpana B

5. Kūʻai puni

Aia kekahi mau ʻāpana o Medicare i kūʻai ʻia e nā ʻoihana pilikino. Pākuʻi ʻia kēia mau mea:

• Mahele C (maikaʻi)
• Māhele D (ka lāʻau lāʻau i kuhikuhi ʻia)
• Medigap (ʻinikua kōkua Medicare)

Hoʻonohonoho ʻia nā uku mahina no kēia mau hoʻolālā e nā ʻoihana e hāʻawi nei iā lākou. ʻO ka nui āu e uku ai hiki ke loli ākea e ka hoʻolālā kikoʻī, hāʻawi ka ʻoihana iā ia, a me kāu wahi.

Ma muli o kēia, he kānāwai maikaʻi o ka manamana lima e hoʻohālikelike i nā hoʻolālā he nui i hāʻawi ʻia i kāu wahi ma mua o ke koho ʻana i hoʻokahi. He kōkua kōkua like ko Medicare no ka hoʻolālā ʻĀpana C a me ka ʻĀpana D, a me ka uhi Medigap.

6. Nānā i loko Medicaid

He papahana pekelala hui pū ʻia ʻo Medicaid i hiki ke kōkua i ka poʻe me nā loaʻa haʻahaʻa a i ʻole nā ​​kumuwaiwai e uku no kā lākou koina mālama ola. Hiki iā ia ke kōkua i ka uhi ʻana i nā lawelawe i uhi ʻole ʻia e Medicare, e like me ka mālama wā lōʻihi.

Hiki ke hoʻololi i nā papahana Medicaid mai kahi mokuʻāina a kahi mokuʻāina. E ʻike ai i nā mea hou aʻe e pili ana i nā papahana Medicaid i loaʻa i kou mokuʻāina, a e ʻike ai inā he kūpono ʻoe, e kāhea aku i ke keʻena Medicaid o kāu mokuʻāina.

7. Noi i kahi polokalamu mālama mālama Medicare

Hiki i nā polokalamu mālama mālama Medicare ke kōkua iā ʻoe e uku no nā kumukūʻai o kāu uku uku Medicare. Hiki paha iā ʻoe ke kūpono no kahi MSP inā ʻoe:

• kūpono i ka ʻāpana A
• loaʻa kahi loaʻa ma a ma lalo paha o kahi palena i kuhikuhi ʻia, kaukaʻi ʻia i ke ʻano o MSP
• Loaʻa nā palena o nā kumuwaiwai, e like me ka nānā ʻana a i ʻole waihona mālama kālā, nā waihona, a i ʻole nā ​​palapala hoʻopaʻa

ʻEhā ʻano o MSP:

• 8. E kiʻi i ke kōkua kōkua Medicare

  He polokalamu keu ke kōkua i ka poʻe me ka loaʻa kālā palena ʻole a i ʻole nā ​​kumuwaiwai e uku no nā kumukūʻai e pili ana i nā hoʻolālā lāʻau lāʻau lāʻau Medicare. ʻO nā laʻana o nā kumukūʻai i uhi ʻia e ke Kōkua keu he uku premium, lawe ʻia, a me nā copay.

  Ua manaʻo ʻia ʻo ke kōkua i hāʻawi ʻia e Extra Help ma kahi o $ 5,000 i kēlā me kēia makahiki. Hoʻohui ʻia, ʻaʻole pono ka poʻe e hoʻohana nei i ke Kōkua keu ke uku i ka hoʻopaʻi no ke kākau inoa hope ʻana no nā papahana Part D.

  I mea e hiki ai i ke kōkua keu, pono ʻoe e hoʻokō i nā palena kikoʻī ma ka loaʻa kālā a me nā kumuwaiwai. E ʻike ai inā kūpono ʻoe i ke kōkua keu a noi no ka papahana, e kipa i ka pūnaewele kōkua keu ʻo SSA.

  Hoʻohui ʻia, ua koho koho ʻia kekahi poʻe no ke kōkua keu. Aia kēia mau hui:

  • kanaka me ka uhi piha o Medicaid
  • ka poʻe i loaʻa ke kōkua mai kahi MSP, kikoʻī i kahi polokalamu QMB, SLMB, a i ʻole QI
  • ke loaʻa nei nā poʻe i nā loaʻa kālā loaʻa palekana kōkua mai ka SSA

  9. E ʻike inā loaʻa i kāu mokuʻāina kahi Polokalamu kōkua lāʻau lapaʻau mokuʻāina

  Loaʻa paha i kekahi mau mokuʻāina kahi Polokalamu kōkua kōkua lāʻau lapaʻau mokuʻāina (SPAP). Hiki i kēia mau papahana ke kōkua me ke kumukūʻai o nā lāʻau lapaʻau a kōkua paha i ka uhi ʻana i nā uku no ka ʻāpana D.

  ʻAʻole loaʻa nā mokuʻāina āpau i nā SPAP. Hoʻohui ʻia, hiki ke hoʻololi i nā koi a me nā pono e ka mokuʻāina. Loaʻa i kahi Medicare kahi pono hana pono e ʻike inā he SPAP kāu mokuʻāina a he aha ka mea e uhi ai kēlā papahana.

  10. E noiʻi i nā papahana mokuʻāina ʻē aʻe

  Ma waho aʻe o nā ʻano hana hoʻolauleʻa a pau a mākou i ʻōlelo ai ma luna, loaʻa paha i kekahi mau mokuʻāina nā papahana hou aʻe e hiki ke kōkua iā ʻoe e mālama i kāu uku Medicare.

  No ka ʻike hou aku, e hoʻokaʻaʻike i kāu Polokalamu Kōkua ʻInikua Ola (SHIP). Hiki iā ʻoe ke kiʻi i ka ʻike no kou mokuʻāina ma o ka pūnaewele SHIP.

  ʻO ka lawe lawe ʻana

  Hiki ke hoʻohui ʻia nā kumukūʻai o nā uku Medicare. Eia nō naʻe, aia kekahi mau ala e hiki ai iā ʻoe ke hana e kōkua i ka hōʻemi ʻana i nā kumukūʻai.

  ʻO kekahi o nā koho hoʻohaʻahaʻa kumu kūʻai no kēlā me kēia me Medicare e komo pū me ka hōʻoia ʻana e kākau inoa i ka manawa, e hōʻike ana i nā loli o ka loaʻa kālā, a me ka noʻonoʻo ʻana i kahi papahana ʻĀpana C i kūʻē i ka Medicare kumu.

  Aia kekahi mau papahana ma kahi e kōkua ai i ka poʻe me nā loaʻa haʻahaʻa a me nā kumuwaiwai e uku no ke kumukūʻai o ke olakino, me nā uku uku. Hoʻopili kēia me Medicaid, MSPs, a me ke Kōkua keu.

  Hoʻohui ʻia, loaʻa paha i kāu mokuʻāina nā papahana ʻē aʻe i wahi e kōkua ai i nā kumukūʻai olakino e hoʻohaʻahaʻa ai. E hoʻomaopopo pono e kāhea aku i ka mokuʻāina kōkua kōkua mālama ola no ka ʻike hou aku.

  Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 17, 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.