Āhea Manuahi ka Medicare?
Anter
- He aha nā ʻāpana o Medicare manuahi?
- Manuahi anei ka Medicare Part A?
- Manuahi anei ʻo Medicare Part A inā he kīnā koʻu?
- Manuahi ka Medicare Part B?
- ʻO Medicare Part C (Medicare Advantage) manuahi?
- Manuahi ka Medicare Part D?
- Loaʻa manuahi ʻo Medicare Supplement (Medigap)?
- ʻO ka lawe lawe ʻana
- ʻAʻole manuahi ʻo Medicare akā ua uku mua ʻia i loko o kou ola ma o nā ʻauhau āu e uku ai.
- ʻAʻole paha ʻoe e uku i kahi uku no Medicare Part A, akā he copay paha kāu.
- ʻO ka mea āu e uku ai no Medicare pili ia i ka lōʻihi o kāu hana, ka nui āu e hana ai i kēia manawa, a me nā papahana āu e koho ai.
- Hiki i ka hoʻohālikelike ʻana i nā hoʻolālā Medicare ke kōkua iā ʻoe e koho i nā koho maikaʻi loa no kāu kūlana pākahi.
ʻAʻole manuahi ʻo Medicare; Eia naʻe, ʻaʻole e uku kēlā me kēia i ka uku maʻamau. Aia kekahi mau papahana Medicare like ʻole, a he koho kekahi. Aia ka nui āu e uku ai i nā papahana āu e koho ai, a pehea ka nui o kou ola i lilo ai i ka hana ʻana a me ka uku ʻana i ka ʻōnaehana Medicare ma o kāu ʻauhau.
ʻOiai ʻaʻole manuahi ʻo Medicare, ʻaʻole nui ka poʻe e uku i ka uku no kēlā me kēia mahina no ka mālama maʻamau. ʻO Medicare kahi papahana inikua olakino pekelala e kūpono ai ʻoe i ka makahiki 65 a i ʻole me kekahi mau pilikia olakino a me nā kīnā ʻole. Uku ʻoe i ka ʻōnaehana Medicare ma loko o kou ola hana ma ke ʻano he ʻāpana o kāu ʻauhau a ʻohi i nā pōmaikaʻi o kēia mau kōkua ma hope i ke ola a i ʻole ʻike ʻia ʻoe me ke kīnā.
E hoʻomau i ka heluhelu ʻana e ʻike ai i nā ʻaoʻao o ka papahana i hoʻokomo ʻia i kāu uhi “manuahi” a he aha nā koho e uku hou aku ai iā ʻoe.
He aha nā ʻāpana o Medicare manuahi?
Nui a hewahewa nā papahana Medicare a i ʻole ʻāpana, me kēlā me kēia lawelawe i nā pono olakino ʻokoʻa. Loaʻa i kēlā me kēia o kēia papahana nā kumukūʻai ʻokoʻa i kēlā me kēia mahina ma ke ʻano o nā uku, copayments, a me deductibles.
ʻOiai e noʻonoʻo paha ka poʻe i kekahi o kēia mau papahana a me nā lawelawe "manuahi," he polokalamu pono lākou e uku ai no kāu mau makahiki hana. Inā ʻaʻohe āu uku no kēlā me kēia mahina no kahi papahana Medicare, no ka mea ua hoʻopukapuka ʻē ʻoe i kēlā papahana. Eia naʻe, ʻaʻole loaʻa i nā poʻe āpau kēia mau lawelawe me ka uku ʻole.
Manuahi anei ka Medicare Part A?
Medicare Part A me he mea lā "manuahi," akā ʻo ia kekahi o kēlā mau pōmaikaʻi āu i uku ai ma o nā ʻauhau āu i uku ai i kāu mau makahiki hana. ʻAʻole uku ka hapa nui o ka poʻe i kēlā me kēia mahina no ka Medicare Part A, e uhi ana i ka haukapila maʻi a me ka mālama hale hānai, a me ka hale hoʻokipa a me nā lawelawe mālama ola home. Pili nā kumukūʻai kūpono no ka Māhele A i kāu kūlana a me ka lōʻihi o kāu hana.
ʻAʻole ʻoe e uku i ka uku no kēlā me kēia mahina no ka Mahele Medicare inā he ʻelemakule ʻoe ma mua o 65 mau makahiki a me kekahi o kēia mau noi:
- Loaʻa iā ʻoe nā pōmaikaʻi līkaia mai ka Social Security.
- Loaʻa iā ʻoe nā pōmaikaʻi līkaia mai ka Papa Hoʻomaha Alahao.
- Ua hana ʻoe a ʻo kāu wahine paha no ke aupuni a loaʻa iā Medicare ka uhi ʻana.
Hiki paha iā ʻoe ke kūpono no ka Medicare ʻAoʻao manuahi ʻole inā aia ʻoe ma lalo o 65 mau makahiki a me kekahi o kēia mau noi:
- Ua loaʻa iā ʻoe nā pōmaikaʻi kīnā pili kaiapili no 24 mau mahina.
- Ua loaʻa iā ʻoe nā kōkua kīnā ʻole o ka Papa Hoʻolaha Railroad no 24 mau mahina.
- Loaʻa iā ʻoe ka maʻi hōʻino pae.
Inā ʻaʻole maikaʻi ʻoe no ka Medicare Part A manuahi, e uku ʻoe i kahi uku e pili ana i ka helu o nā hapahā āu i hana ai i kou wā e ola ana.
| Ka nui o ka manawa i hana (a uku ʻia i Medicare) | ʻO ka uku mahina ma 2021 |
|---|---|
| <30 hapaha (360 mau pule) | $471 |
| 30–39 hapahā (360-468 pule) | $259 |
ʻOiai ʻo ka ʻāpana A e uhi ana i kāu mālama maʻi maʻi a me kekahi mau pono olakino home, pono ʻoe e loaʻa ka ʻāpana B no ka kipa ʻē aʻe a me ka mālama pale.
Manuahi anei ʻo Medicare Part A inā he kīnā koʻu?
Aia kekahi mau kīnā kīnā ʻole no ka uhi manuahi-ʻole ma lalo o ka Medicare Māhele A. Hoʻohālikelike ka Social Security Administration i nā kīnā kīnā ʻole iā ʻoe no Medicare Part A manuahi, akā ʻo nā pilikia olakino e manaʻo ʻia e mau ana ma mua o hoʻokahi makahiki a i ʻole. hopena i ka make i kūpono i kēia mau pono.
Manuahi ka Medicare Part B?
ʻO Medicare ʻĀpana B ka papahana ʻinikua olakino pekelala e uhi ana i nā lawelawe o waho e like me ke kipa ʻana a me ka mālama pale. ʻAʻole ia e hāʻawi i kahi koho manuahi-ʻole e like me ka Māhele A. uku ʻia nā uku nui o ka mahina e pili ana i kāu pae loaʻa kālā, akā ʻaʻole ka poʻe āpau e loaʻa kahi bila no kā lākou uku.
Lawe ʻemi ʻia kāu uku Medicare ʻĀpana B mai kāu helu uku pōmaikaʻi inā loaʻa iā ʻoe kekahi o kēia mau mea:
- Nā kōkua mālama ola
- nā uku mai ka Papa Hoʻolālā Alahao
- nā uku mai ka Office of Personnel Management
No ka poʻe uku i ka uku ʻāpana B, ʻokoʻa ka uku e pili ana i kāu pae loaʻa. Hoʻohana ʻia ka loaʻa kālā makahiki mai ka 2019 e helu i ka mea āu e uku ai ma 2021.
| Loaʻa loaʻa makahiki | ʻO ka loaʻa kālā makahiki o ka wahine pālua | Uku uku mahina |
|---|---|---|
| ≤ $88,000 | ≤ $176,000 | $148.50 |
| > $88,000–$111,000 | > $176,000–$222,000 | $207.90 |
| > $111,000–$138,000 | > $222,000–$276,000 | $297 |
| > $138,000–$165,000 | > $276,000–$330,000 | $386.10 |
| > $165,000–< $500,00 | > $330,000–< $750,000 | $475.20 |
| ≥ $500,000 | ≥ $750,000 | $504.90 |
Uhi kekahi mau hoʻolālā Medigap i nā kumukūʻai o ka Medicare Part B i unuhi ʻia. Eia nō naʻe, i ka 2015 ua hoʻoholo ʻia kahi kānāwai (ʻo Medicare Access a me CHIP Reauthorization Act o 2015 [MACRA]) i hana kūpono ʻole ʻia no ka Medicare Supplement plan (Medigap) e uku no nā hapa B i unuhi ʻia no nā inoa hou e hoʻomaka ana ma 2020.
ʻOiai ka poʻe i loaʻa kahi hoʻolālā e uku i kēia uku e mālama nei i kā lākou uhi ʻana, mai Ianuali 1, 2020, ʻaʻole hiki i nā mea kākau inoa Medicare hou ke kau inoa no nā hoʻolālā pākuʻi e uku no ka uku o ka ʻāpana B. Eia nō naʻe, inā ua kau inoa ʻia ʻoe i Medicare a loaʻa iā Medigap kahi hoʻolālā e uku i ka ʻāpana B i unuhi ʻia, hiki iā ʻoe ke mālama.
ʻO Medicare Part C (Medicare Advantage) manuahi?
ʻO nā papahana Medicare Part C (Medicare Advantage) nā hoʻolālā ʻinikua pilikino e hoʻohui i nā ʻaoʻao o ka Medicare Part A a me Medicare Part B, me nā lawelawe ʻē aʻe. Loaʻa i nā ʻoihana pilikino ka waihona kālā mai Medicare, no laila hāʻawi paha kekahi mau hoʻolālā i nā "uku manuahi" a hoʻemi ʻia paha nā uku mahina.
Kūlike ʻole nā kumukūʻai premium Part C e ka hoʻolālā. Aia kekahi ʻano o nā koho lawelawe, nā ʻano uhi, a me nā kumukūʻai no nā hoʻolālā Medicare Part C. Uhi kekahi i nā lawelawe e like me nā hoʻāʻo ʻana o ka maka, mālama niho, kōkua hoʻolohe, a me nā polokalamu hoʻoikaika kino.
ʻO nā hoʻolālā e hāʻawi ʻole i nā uku no kēlā me kēia mahina e loaʻa paha nā kumukūʻai ʻē aʻe, akā naʻe, e like me ka copay, coinsurance, a me nā deductibles. Eia nō naʻe, ʻo ka hapa nui o nā hoʻolālā e hoʻopili i nā mea nui i waho o ka ʻeke. Hāʻawi ʻo Medicare i kahi pono pūnaewele e hoʻohālikelike i nā kumukūʻai a me nā lawelawe i hoʻopili ʻia me nā hoʻolālā Medicare Advantage i hāʻawi ʻia i kāu wahi.
Manuahi ka Medicare Part D?
Uhi ka Medicare ʻĀpana D i nā lāʻau i kuhikuhi ʻia a uku ʻia ma o nā uku uku a me nā uku ʻē aʻe. Hiki i nā hoʻolālā Medicare Advantage ke hoʻopili i ka uhi kuhikuhi, akā e kuleana ʻoe no kekahi ʻāpana o kāu kumukūʻai lāʻau.
Hoʻololi nā kumukūʻai premium e ka wahi a me ka hoʻolālā, a hiki iā ʻoe ke hana me kāu kauka e hōʻoia i ka hoʻopili ʻia ʻana o nā lāʻau i kuhikuhi ʻia i ka papa inoa lāʻau (i kapa ʻia he formulary) i ʻae ʻia e Medicare. Inā ʻaʻole kāu lāʻau i ka papa inoa i ʻae ʻia, hiki i kāu kauka ke noi no kahi ʻokoʻa a koho i kahi lāʻau ʻokoʻa.
Loaʻa manuahi ʻo Medicare Supplement (Medigap)?
Loaʻa nā kulekele Medigap (Medicare Supplement) ma o nā ʻoihana ʻinikua pilikino. ʻAʻole manuahi lākou akā kōkua paha iā ʻoe e mālama i ke kālā ma nā kumukūʻai papahana Medicare ʻē aʻe.
ʻO kekahi mau hoʻolālā Medigap, e like me C a me F, i hoʻohana ʻia e uhi i nā Medicare Part B deductibles. ʻAʻole kēia e loli no ka poʻe i loaʻa i kēia mau hoʻolālā, akā ʻaʻole hiki i nā poʻe hou iā Medicare ma hope o Ianuali 1, 2020 ke kūʻai hou i kēia mau hoʻolālā.
Hāʻawi ʻo Medicare i kahi pono hana pūnaewele e ʻike i nā polokalamu Medigap ma kāu wahi. Hiki iā ʻoe ke hoʻohālikelike i nā koina uku a me nā mea a nā copays a me nā unuhi e noi ai. Kipa ʻia nā pono Medigap ma hope o nā papahana Medicare maʻamau e like me ka Māhele A a me ka ʻāpana B e pau ana.
ʻO ka lawe lawe ʻana
- Paʻa paʻakikī ka laulā Medicare, a he nui nā manaʻo e kū hoʻokahi i kāu kūlana.
- ʻAʻohe papahana Medicare "manuahi" loa. Pehea ka lōʻihi o kāu hana, pehea ka nui āu e hana ai, a pehea ka nui āu e hiki ai ke uku aku ma ke ʻano he unuhi ʻia ma mua o ke kīkē ʻana o kāu mau pōmaikaʻi nā mea āpau i pili i ka helu ʻana i kāu kumukūʻai Medicare.
- ʻOiai aia kekahi mau papahana e hāʻawi i nā uku haʻahaʻa a "manuahi" paha, e hoʻohālikelike i nā hoʻolālā a noʻonoʻo i nā koina āpau e pili ana, e like me nā deductibles, copayments, a me ka coinsurance.
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.
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