Medicare ma Kaleponi: He aha kāu e ʻike ai

Anter

• Mahele Medicare A
• Mahele B Medicare
• ʻO Medicare Māhele C (Medicare Advantage)
• Mahele Medicare D
• ʻInikua kōkua kōkua Medicare (Medigap)
• He aha nā lā palena hoʻopaʻa inoa no nā ʻāpana Medicare a me nā hoʻolālā?
• ʻO ka lawe lawe ʻana

ʻO Medicare kahi papahana mālama ola pekelala e hoʻohana mua ʻia e ka poʻe makahiki 65 a ʻoi. ʻO nā kānaka o kēlā me kēia makahiki me ke kino kīnā a me nā mea me nā maʻi hōʻino pae hope loa (ESRD) a i ʻole amyotrophic lateral sclerosis (ALS) hiki ke loaʻa iā Medicare.

Inā ʻoe e noho ana i Kaleponi a hoʻokō i nā koi no Medicare, hiki iā ʻoe ke koho i ka Medicare kumu (ʻāpana A a me B) a me Medicare Part D, ma hea ʻoe e noho ai ma ka mokuʻāina. ʻO ka loaʻa ʻana o Medicare Part C (Medicare Advantage) ʻokoʻa i kekahi mau wahi o Kaleponi ma mua o ka nui o nā mokuʻāina ʻē aʻe.

Kau ʻia ka Medicare ʻĀpana C kuleana ma Kaleponi ma ka kalana a me ka helu ZIP o kou noho mua.

Mahele Medicare A

Ua ʻike ʻia ʻo Medicare Part A he ʻinikua haukapila. Mālama ka ʻāpana A i ka mālama maʻi maʻi maʻi, ka mālama hale hoʻokipa, kekahi mau lawelawe olakino home, a me nā noho palena palena ʻole a me nā lawelawe i kahi kahu hānai mākaukau (SNF).

Inā ʻoe a me kāu wahine i hana a uku i nā ʻauhau Medicare no 10 mau makahiki, e koho ʻia paha ʻoe no ka ʻApana A manuahi me ka uku ʻole ʻia i kēlā me kēia mahina. ʻOiai ʻaʻole ʻoe e koho ʻia no ka ʻApana A manuahi ʻole, hiki iā ʻoe ke kūʻai i ka ʻāpana A (ʻāpana premium A).

Mahele B Medicare

Mālama ʻo Medicare ʻĀpana B i nā lawelawe e pono ai ka lāʻau, e like me nā koho a ke kauka a me nā lawelawe kaʻa kaʻa. Uhi pū ia i ka pale pale, e like me nā lāʻau āpau. Me ka ʻāpana A, Medicare ʻāpana B hana i ka Medicare kumu. E uku ʻoe i kahi uku no kēlā me kēia mahina no Medicare Part B.

ʻO Medicare Māhele C (Medicare Advantage)

Kūʻai ʻia ʻo Medicare Part C ma o nā ʻinikua pilikino i ʻae ʻia e Medicare. Ma ke kānāwai, pono i kahi hoʻolālā Medicare Part C e uhi ma ka liʻiliʻi e like me nā ʻāpana Medicare A a me B, e hana ai. Mālama ka hapa nui o nā ʻāpana C i nā lawelawe ʻoi aku ma mua o ka Medicare i hāʻawi ai, akā koi pinepine ʻoe e hoʻohana i kahi kikowaena o nā kauka. ʻO kekahi o nā papahana Medicare Part C e pili pū ana me ka uhi lāʻau lāʻau, akā ʻaʻole kekahi.

ʻAʻole loaʻa ka Medicare Part C ma nā wahi āpau o Kaleponi. Loaʻa i kekahi mau kalana i nā hoʻolālā he nui. Loaʻa i nā kalana ʻē aʻe i kekahi mau mea. Ma kahi o 115 mau kalana ma Kaleponi, e like me Calaveras County, hana ʻaʻole ke komo i nā hoʻolālā Medicare Advantage.

E hoʻokomo i kāu code ZIP ma aneʻi e ʻike i nā hoʻolālā Medicare i loaʻa i kāu wahi.

Hāʻawi nā ʻoihana he nui i nā kulekele Advantage i nā ʻāpana o Kaleponi. Pākuʻi ʻia lākou:

• ʻO Aetna Medicare
• Hoʻolālā Ola Pono
• ʻO Anthem Blue Cross
• Keʻa Kolea o Kaleponi
• Lawalu 'la
• Papa Hoʻolālā Medicare Central
• ʻO ka hoʻolālā olakino mālama akamai
• Mokuʻāina Gula
• ʻO Health Net Community Solutions, Inc.
• Upena Ola o Kaleponi
• Humana
• Ka Papa Ola Ola Imperial o Kaleponi, Inc.
• Kaiser Permanente
• Mālama Ola Kālā
• ʻO UnitedHealthcare
• ʻO WellCare

ʻO ka hapa nui o nā hoʻolālā i hāʻawi ʻia ʻo Health Maintenance Organization (HMO) nā hoʻolālā e hoʻomaka ana ma kahi $ 0 o ka uku mahina. ʻO ke koina kikoʻī ma waho o ka ʻeke āu e koi ai e uku i kēlā me kēia makahiki hiki ke loli nui no kēia mau hoʻolālā. Pono nā hoʻolālā HMO e uku iā ʻoe i kahi copay ma ke kipa ʻana o kēlā me kēia kauka.

ʻO nā ʻano ʻē aʻe o nā hoʻolālā Medicare Advantage me nā hoʻolālā ʻo Preferred Provider Organisation (PPO). Loaʻa paha i kekahi o kēia mau uku keu kiʻekiʻe o ka mahina ma mua o nā HMO me ka hoʻohui ʻana i nā kumukūʻai ma waho o ka ʻeke a me nā copay. He mea nui e nānā hou i nā hoʻolālā āu e noʻonoʻo nei, no ka mea ʻaʻole like ʻole ma ka uku wale nō akā i nā lawelawe a me ka uhi i hāʻawi ʻia.

Mahele Medicare D

ʻO Medicare ʻĀpana D ka ʻāpana o Medicare e uhi ana i nā lāʻau lapaʻau. Hoʻohana ʻia ia e hoʻohana me Medicare kumu (nā ʻāpana A a me B). Inā loaʻa iā ʻoe kahi hoʻolālā Advantage e hoʻopili me nā lāʻau, ʻaʻole pono ʻoe e kūʻai i kahi papahana ʻĀpana D pū kekahi.

Inā ʻaʻohe ou lāʻau lapaʻau kuhikuhi ma o kekahi kumu ʻē aʻe, e like me ka ʻinikua olakino i loaʻa iā ʻoe ma ka hana, he mea nui e kākau inoa ma Medicare Part D ke hiki mua ʻoe i Medicare. Inā ʻaʻole ʻoe, pono paha ʻoe e uku i nā helu kiʻekiʻe ma ke ʻano o ka hoʻopaʻi o ka mahina no ka lōʻihi holoʻokoʻa o kāu ʻāpana D.

Hāʻawi ʻia ʻo Medicare Part D e nā ʻoihana inikua pilikino. Loaʻa nā hoʻolālā ʻĀpana D ma nā mokuʻāina holoʻokoʻa o Kaleponi. Hoʻololi kēia mau hoʻolālā i nā ʻōlelo a nā lāʻau a lākou e uhi ai, a me kā lākou kumukūʻai.

Me nā koho he nui loa, hiki ke huikau ke kākau inoa ʻana i Medicare. Hiki i kēia mau hui ke hāʻawi i ka ʻike e pono ai e koho a kākau inoa i ka hoʻolālā Medicare maikaʻi loa inā ʻoe e noho ana i Kaleponi.

• Ke Keʻenaʻelemakule o Kaleponi Kaleponi
• Keʻena ʻInikua o Kaleponi
• HICAP (ka Polokalamu ʻ Insurancelelo Aʻoaʻo Ola Kākoʻo)
• Nā Polokalamu kōkua ʻinikua olakino mokuʻāina (SHIP)

ʻInikua kōkua kōkua Medicare (Medigap)

Hoʻolālā ʻia ka ʻinikua kōkua Medicare a i ʻole Medigap e kōkua iā ʻoe e uku no nā mea i uhi ʻole ʻia e Medicare kumu. Hoʻopili kēia mau kumukūʻai i nā copay, nā coinsurance, a me nā deductibles. Ma Kaleponi, hiki iā ʻoe ke kūʻai i hoʻokahi o 10 mau ʻano o nā hoʻolālā maʻamau i loaʻa ma ka hapanui o ka ʻāina.

Koho ʻia kēia mau hoʻolālā maʻamau e nā huapalapala huapalapala: A, B, C, D, F, G, K, L, M, a me N. Hoʻololi kēlā me kēia hoʻolālā e pili ana i nā unuhi, ka uku, a me ka uhi. Ma Kaleponi, nui nā ʻinikua e uhi i kekahi o kēia mau hoʻolālā paha. ʻO kā lākou kumukūʻai ma loko o nā hoʻolālā e like a like paha.

ʻO kekahi mau ʻoihana e hāʻawi nei iā Medigap i Kaleponi e komo pū me:

• ʻAetna
• Anthem Blue Cross - Kaleponi
• Pale Pulu o Kaleponi
• ʻO Cigna
• Hui ʻInikua Hui ʻia o ʻAmelika
• Everence Association Inc.
• Māla Māla
• ʻO Globe Life a me ka ʻoihana ʻInikua Pilikia
• Upena Ola
• Humana
• ʻO Mutual of Omaha
• Kahu aupuni
• ʻOihana Insurance Insurance National
• Oxford
• Palekana Sentinel
• Mahiʻai Mokuʻāina
• ʻO Thrivent kālā no Luterans
• USAA
• ʻAmelika Hui Pū ʻIa
• ʻO UnitedHealthcare

Koi ʻia kekahi mau hoʻolālā e uku ʻoe i kahi pākēneka o nā koina no nā lawelawe i uhi ʻia ma lalo o ka Māhele B, a me kahi ʻoki A i unuhi ʻia.

Aia kahi manawa kākau inoa wehe 6 mau mahina ke hiki iā ʻoe ke kiʻi iā Medigap. Hoʻomaka kēia manawa i kāu lā hānau 65th a kūlike pū me kāu kau inoa ʻana ma Medicare Part B.

I ka hapa nui o ka ʻāina, ʻo kēia wale nō ka manawa e hiki ai iā ʻoe ke kākau inoa i kahi hoʻolālā Medigap a hōʻoia i ka loaʻa ʻana, no ka ʻano o nā pilikia olakino āu.

Eia nō naʻe, ma Kaleponi, ʻae ʻia ʻoe e hoʻololi i kahi hoʻolālā Medigap ʻē aʻe me ka hoʻopuka i hoʻohiki ʻia i loko o 30 mau lā ma hope o kou lā hānau i kēlā me kēia makahiki, ke hāʻawi ʻia nā papahana hou iā ʻoe i ka pale kaulike a ʻoi aku paha ma mua o kāu hoʻolālā Medigap o kēia manawa.

He aha nā lā palena hoʻopaʻa inoa no nā ʻāpana Medicare a me nā hoʻolālā?

ʻO nā lā palena palena no ke kākau inoa Medicare ma Kaleponi e like me ia i ke koena o ka ʻāina, koe wale no Medigap, nona nā manawa kau inoa hou aʻe.

ʻO ka lawe lawe ʻana

He papahana inikua pekelala ʻo Medicare i loaʻa ma Kaleponi no ka poʻe i hiki ke koho ʻia. ʻAʻole loaʻa ka Medicare Advantage (Medicare Part C) ma nā helu zip āpau o ka mokuʻāina. Eia nō naʻe, ʻo Medicare kumu (nā ʻāpana A a me B), a me Medicare Part D a me Medigap i loaʻa i kēlā me kēia kalana a me ka helu ZIP.

Ua hōʻano hou ʻia kēia ʻatikala ma ʻOkakopa 6, 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.