ʻO ka uhi Medicare no nā ʻōnaehana Alert Lapaʻau

Anter

• Uhi anei ʻo Medicare i nā ʻōnaehana olakino?
• Pehea e hiki ai iaʻu ke kōkua i ka uku ʻana i kahi ʻōnaehana olakino?
• ʻO wai ka mea e noʻonoʻo e kiʻi i kahi ʻōnaehana olakino?
• Nā pōmaikaʻi o ka loaʻa ʻana o kahi ʻōnaehana olakino
• Con o ka loaʻa ʻana o kahi ʻōnaehana olakino
• Nā ʻano o nā ʻōnaehana olakino
• ʻO ka lawe lawe ʻana

• ʻAʻole hāʻawi ʻo Medicare Original i ka uhi no nā ʻōnaehana olakino; Eia nō naʻe, hāʻawi paha kekahi o nā hoʻolālā Medicare Advantage i ka uhi.
• Loaʻa nā ʻano ʻokoʻa o nā ʻōnaehana i hiki ke hoʻokō i kāu pono ponoʻī.
• Aia kekahi mau ala ʻē aʻe e mālama ai i nā ʻōnaehana makaʻala, me ke hoʻopili pololei ʻana i nā ʻoihana pono no nā uku hōʻemi.

ʻAe nā ʻōnaehana ala lāʻau lapaʻau iā ʻoe e loaʻa ke kōkua inā ʻo ʻoe wale nō a loaʻa kahi ulia pōpilikia a ʻeha paha. ʻO ka maʻamau, ʻo kahi pihi ma ka hāmeʻa e hoʻouna i kahi hōʻailona i ka ʻoihana wati e hōʻike iā lākou e pono ʻoe i ke kōkua.

ʻOiai hiki i kēia mau hāmeʻa ke hāʻawi i ka maluhia o ka noʻonoʻo a kōkua i nā hanana pōpilikia, ʻaʻole manaʻo ʻo Medicare iā lākou he pono lāʻau lapaʻau. ʻAʻole uhi pinepine ʻo Medicare i nā kumukūʻai no ke kūʻai mai ʻana a mālama ʻana paha i kahi ʻōnaehana makaʻala.

Ma kēia ʻatikala, e ʻimi mākou i nā ʻāpana o Medicare e hāʻawi paha i kahi uhi no kahi ʻōnaehana olakino a pehea e koho ai i hoʻokahi inā kūʻai ʻoe iā ia iho.

Uhi anei ʻo Medicare i nā ʻōnaehana olakino?

ʻAʻole helu ʻia nā ʻōnaehana ala lāʻau lapaʻau ma lalo o nā lawelawe i uhi ʻia a Medicare a i ʻole nā ​​hāmeʻa. ʻO ia paha no ka mea ʻaʻole i manaʻo ʻia nā ʻōnaehana ʻōkuhi "pono ​​olakino" a ʻaʻole hoʻomaikaʻi pono i ke olakino o kekahi kanaka (e like me ke kōkua ʻana o ka glucose glucose iā ʻoe e nānā a mālama i ka maʻi kō.

• Uhi ka Medicare ʻĀpana B i nā pono olakino paʻa, e like me nā mea hele, nā noho huila, a i nā koʻokoʻo. ʻAʻole kūpono nā ʻōnaehana ʻōpala e like me nā pono olakino paʻa a no laila ʻaʻole uhi ʻia.
• ʻO Medicare Part C a i ʻole Medicare Advantage kahi hoʻolālā i hāʻawi ʻia e nā ʻoihana ʻinikua pilikino. Hāʻawi kekahi mau hoʻolālā i nā pono hou a me nā lawelawe i hana ʻole ʻia e Medicare kuʻuna. I kekahi mau hoʻolālā, hiki i kēia ke hoʻopili i nā ʻōnaehana olakino olakino. E hōʻoia me kāu mea hoʻonohonoho hoʻolālā e ʻike inā hāʻawi lākou i ka pale no nā ʻōnaehana olakino.
• Kōkua ka ʻinikua hoʻohui Medigap a Medicare paha i ke kumu kūʻai no ke offset i kekahi o nā kumukūʻai mai waho o ka ʻeke me Medicare kumu, e like me nā deductibles a me nā copayments. Eia nō naʻe, no ka mea ʻaʻole uhi ka Medicare kumu i nā ʻōnaehana olakino, ʻaʻole uhi ʻo Medigap iā lākou kekahi.

Inā loaʻa iā ʻoe kahi hoʻolālā Medicare Advantage, loaʻa iā ʻoe āpau a i kahi ʻāpana o nā koina i uhi ʻia. Eia nō naʻe, loaʻa wale iā ʻoe ka uhi Medicare, pono ʻoe e uku i nā koina āpau mai kāu ʻeke. E nānā mākou i kekahi mau ala ʻē aʻe e mālama ai i nā ʻōnaehana olakino aʻe.

Pehea e hiki ai iaʻu ke kōkua i ka uku ʻana i kahi ʻōnaehana olakino?

Hiki i nā ʻōnaehana ala lāʻau lapaʻau ke loaʻa i nā uku he nui, e like me nā kumukūʻai no ke kūʻai ʻana i ka ʻōnaehana, uku hoʻomaka, a me ka uku o ka mahina. ʻO kekahi mau ala hiki iā ʻoe ke loaʻa i ke kōkua kālā me kahi ʻōnaehana lāʻau lapaʻau pū me:

• Ke nānā nei inā e uhi ʻo Medicaid i nā koina. Inā kūpono ʻoe no Medicaid i kou mokuʻāina, hiki i kekahi o nā papahana ke kōkua i ka uhi ʻana i kekahi a i ʻole nā ​​koina āpau no kahi ʻōnaehana olakino.
• Ke kāhea nei i ka ʻoihana no nā hōʻemi kūpono. Hāʻawi kekahi mau ʻoihana olakino i nā uku hōʻemi e pili ana i ka loaʻa kālā, lālā o nā hui like ʻole, a i ʻole ma o kahi haukapila kūloko.
• Ke nānā nei no nā hōʻemi ʻauhau. I kekahi manawa, hiki iā ʻoe ke unuhi i nā mea āpau a i ʻole kahi ʻāpana o nā lilo e pili ana i nā ʻōnaehana olakino. E hōʻoia me kahi ʻoihana hoʻomākaukau ʻauhau e ʻike inā pili kēia i kāu kūlana.

Hiki ke lilo i nā ʻōnaehana ala olakino he kumu kūʻai keu ke lilo ke kumukūʻai o ke olakino. Eia kekahi mau ala ʻē aʻe i hiki ai iā ʻoe ke mālama i kahi hoʻolālā a ʻōnaehana olakino.

• Hōʻalo i nā ʻaelike wā lōʻihi. Inā piʻi mai kahi hanana kahi āu e hoʻohana ʻole ai i ka ʻōnaehana no kekahi manawa, e like me ka noho lōʻihi o ka haukapila, he mea kōkua ka hiki ke hōʻole i ka hoʻolālā me ka ʻole o ka hoʻopaʻi. Hiki i nā hoʻolālā lōʻihi ke hoʻomau i ka uku ʻana iā ʻoe ma loko o ka wā ʻaelike a i ʻole uku ʻia i nā uku hōʻoki kakahiaka nui.
• E nānā i nā hoʻolālā hoʻihoʻi. Hāʻawi kekahi mau hoʻolālā olakino i kahi papahana hoʻokolokolo ma 30 lā. Hiki i kēia ke kōkua e hōʻoia iā ʻoe hiki ke hoʻohana i ka hāmeʻa a hana maikaʻi ia nāu ma mua o ka hana ʻana i kahi ʻaelike lōʻihi.
• Kāhea pololei i ka ʻoihana. ʻAe nā ʻoihana he nui i nā ʻelele lawelawe mea kūʻai aku e hāʻawi i nā hōʻemi a i ʻole nā ​​rebates no ka mālama kālā hou aku.

ʻO wai ka mea e noʻonoʻo e kiʻi i kahi ʻōnaehana olakino?

Hiki i nā ʻōnaehana ʻōkuhi olakino ke hāʻawi i ka maluhia o ka noʻonoʻo iā ʻoe a me kou ʻohana. Wahi a kahi ʻatikala puke pai hope loa, hōʻike ka noiʻi e hiki i nā ʻōnaehana kiaʻi lapaʻau ke hāʻawi i kekahi mau pono.

Nā pōmaikaʻi o ka loaʻa ʻana o kahi ʻōnaehana olakino

• Hoʻoemi i ka hopohopo e pili ana i ka makaʻu o ka hāʻule.
• Hoʻonui i ka hilinaʻi i ka hana ʻana i nā hana o kēlā me kēia lā.
• Hōʻoluʻolu hoʻonui e maʻalahi ka hoʻohana ʻana o ka ʻōnaehana.
• Loaʻa ka palekana i ka ʻike ʻana e loaʻa ke kōkua inā pono.

Eia nō naʻe, hiki i nā ʻaoʻao hema ke noʻonoʻo.

Con o ka loaʻa ʻana o kahi ʻōnaehana olakino

• He paʻakikī a paʻakikī paha ka ʻōnaehana e hoʻohana, e hoʻonui ai i ke koʻikoʻi a me ka hopohopo.
• ʻAʻole paha lākou e hoʻopili i ka manawa o ke kōkua e hōʻea ai, ka manawa i hala i ka haukapila, a i ʻole ka manawa hoʻōla ma hope o ka hāʻule.
• ʻO ke kumu kūʻai o nā hāmeʻa mua a me nā uku o ka mahina ke lilo i uku nui i hoʻohui ʻia. E uku paha ʻoe a i ʻole he mea aloha inā ʻaʻole kēia mau uku āpau mai kāu ʻeke.

Nā ʻano o nā ʻōnaehana olakino

ʻ ʻ ʻ ʻ ʻ ʻ ʻ ʻ ʻ ʻ ʻāma o ka ʻōnaehana alert medical Pākuʻi ʻia kēia mau mea i ke pihi pahu kuʻi kōkua, kahi ʻōnaehana kamaʻilio e pinepine i ka home, a me kahi kikowaena pane pilikia. Hāʻawi paha kekahi mau ʻōnaehana i nā hiʻohiʻona hou aku, e like me ka ʻike hāʻule.

Eia kahi hiʻohiʻona o kekahi o nā ʻano punaewele o nā ʻōnaehana i loaʻa i kēia lā:

• Nā mea kōkua i loko o ka home. Pākuʻi ʻia paha kēia i kā Amazon's Alexa a i ʻole Google Home, kahi e hiki ai iā ʻoe ke hāʻawi i kahi kauoha leo e kāhea aku i kahi lālā o ka ʻohana. Eia nō naʻe, ʻaʻole hiki i ka hapa nui o kēia a i ʻole nā ​​hāmeʻa like ke kāhea iā 911. Eia kekahi, ke kaukaʻi ʻia i kahi e hāʻule ai, ʻaʻole hiki i ka hāmeʻa ke ʻike i kou leo.
• Nā ʻōnaehana lawe lima / kelepona paʻalima. ʻO ke kelepona paʻakikī kahi ala lawelima iā ʻoe e kāhea i ke kōkua i ka wā pilikia. E kōkua paha ka hana GPS i nā poʻe ʻē aʻe e ʻimi iā ʻoe. Eia nō naʻe, no kēia e lawelawe ma ke ʻano he kikowaena pilikia, pono ʻoe me ʻoe i nā manawa āpau.
• Mau wati akamai. Aia kahi wati "akamai" i kahi ʻōnaehana kamaʻilio uea ʻole e hiki ai iā ʻoe ke kāhea ma o kāu kelepona paʻalima a i ʻole ʻōnaehana uea ʻole. E ʻae kekahi mau wati akamai iā ʻoe e kāhea i nā lawelawe ulia pōpilikia mai kāu wati. Hāʻawi paha lākou i ka huli GPS a me ka nānā ʻana o ka naʻau.
• Nā ʻōnaehana kamaʻilio ʻelua. Aia nā ʻōnaehana kamaʻilio ʻelua i ke komo lima a i ʻole ka lei me ka pihi hiki iā ʻoe ke kaomi e kamaʻilio pū me kahi kikowaena kelepona. E nānā ana ke kikowaena kelepona i ke ʻano o ke kōkua āu e pono ai a hoʻouna aku i kou home.Hiki ke hoʻohana wale ʻia kēia ʻōnaehana kamaʻilio i kou home no ka mea ʻaʻohe ona GPS kope.

ʻO ka nui a me nā ʻano o nā ʻōnaehana olakino hiki ke loli. Hiki iā ʻoe ke hoʻomaka ma ka noʻonoʻo ʻana i kāu mau pono maoli, kālā, a me nā kūlana āu i loaʻa. ʻO nā mea ʻē aʻe e noʻonoʻo pono ʻia:

• Makemake ʻoe i ka ʻenehana GPS? Inā pēlā, pono ʻoe i kahi hāmeʻa e hana ma kahi pūnaewele pūnaewele. Inā ʻaʻole ʻoe e haʻalele pinepine i kou home, ʻaʻole ʻoe e pono i ka ʻenehana GPS.
• Pehea kou ʻenehana? Inā ʻaʻole maikaʻi ʻoe me nā hāmeʻa, e ʻoi aku ka maʻalahi a me ka pono o ka ʻōnaehana olakino pihi ma kahi pilikia.
• Makemake ʻoe i kahi ʻōnaehana nānā? Pono kahi ʻōnaehana nānā i kahi uku o kēlā me kēia mahina, akā hāʻawi ia i ka hiki ke ʻōlelo i kahi mea ola inā loaʻa iā ʻoe kahi pilikia olakino.
• Ehia mau kālā āu e hiki ai ke hoʻolilo? Inā ʻoe e mālama nei i kahi moʻohelu kālā paʻakikī, ʻoi aku ka maikaʻi o ke kūpeʻe o ke kūpeʻe lima lāʻau lapaʻau ma mua o nā mīkini a me nā ʻōnaehana iʻoi aku ke kumukūʻai.

Hiki i ka hoʻopili ʻana i kēia mau mea ke kōkua iā ʻoe e ʻike i ka ʻōnaehana olakino kūpono nou.

ʻO ka lawe lawe ʻana

• ʻAʻole uku ʻo Medicare no nā ʻōnaehana makaʻala, akā Medicare Advantage a i ʻole Medicaid hiki ke kōkua i ka uku ʻana no kekahi a i ʻole nā ​​koina āpau.
• Ke kāhea pololei ʻana i kahi ʻoihana pono e nīnau e pili ana i nā hōʻemi hiki ke hāʻawi i ka mālama kālā.
• E noʻonoʻo e pili ana i kāu mau pono a me nā mea āu e aloha ai e loiloi inā he kūpono no ʻoe kahi mea lapaʻau a ʻo ka mea e hana maikaʻi loa no kāu kūlana.

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.