Ka hoʻomaopopo ʻana i nā lula makahiki e pono ai Medicare

Anter

• He aha nā makahiki kūpono no Medicare?
• Koe i nā koina makahiki Medicare e pono ai
• Nā koina pono Medicare ʻē aʻe
• E aʻo e pili ana i nā ʻāpana like ʻole o Medicare
• ʻO ka lawe lawe ʻana

ʻO Medicare ka papahana inikua olakino o ke aupuni pekelala no nā kamaʻāina makua a me nā poʻe me ke kino kīnā. Inā 65 a ʻoi paha kou mau makahiki, kūpono ʻoe i Medicare, akā ʻaʻole ia he manaʻo e loaʻa wale iā ʻoe.

Ke hālāwai ʻoe me kekahi mau pae hoʻohālikelike makahiki a i ʻole nā ​​pae hoʻohālikelike ʻē aʻe no Medicare, na ʻoe ia e kākau inoa i ka papahana.

ʻO ke kākau inoa ʻana ma Medicare hiki ke hana huikau. Pono e hoʻomaopopo i kekahi o nā kumu o ka hana o ka papahana.

E uhi kēia ʻatikala i ka mea e pono ai ʻoe e ʻike e pili ana:

• he aha ʻo Medicare
• pehea e noi ai
• pehea e kū ai i nā lā palena nui
• pehea e ʻike ai inā kūpono ʻoe

He aha nā makahiki kūpono no Medicare?

ʻO ka makahiki kūpono no Medicare he 65 mau makahiki. Pili kēia inā paha e hana mau ana ʻoe i ka manawa o kāu hānau makahiki 65. ʻAʻole pono ʻoe e hoʻomaha loa e noi no Medicare.

Inā loaʻa kāu ʻinikua ma o kāu luna hana i ka manawa āu e noi ai no Medicare, e lilo ʻo Medicare i ʻinikua lua.

Hiki iā ʻoe ke noi no Medicare:

• i ka 3 mau mahina ma mua o ka mahina huli iā ʻoe i ka makahiki 65
• i ka mahina e huli iā ʻoe i ka makahiki 65
• a i 3 mau mahina ma hope o ka mahina huli iā ʻoe i ka makahiki 65

Hāʻawi kēia manawa manawa a puni kāu lā hānau 65 i kahi huina o 7 mau mahina e kākau inoa ai.

Koe i nā koina makahiki Medicare e pono ai

Nui nā hoʻokoe ʻia i ke koi makahiki makahiki o Medicare, me:

• Kīnā ʻole. Inā ʻoi aku kou ʻōpio ma mua o 65 mau makahiki akā ke loaʻa nei ʻoe iā Social Security ma muli o ke kīnā ʻole, hiki paha iā ʻoe ke koho no Medicare. Ma hope o 24 mau mahina o ka loaʻa ʻana o ka Pilikino, lilo ʻoe i Medicare-kūpono.
• ALS. Inā loaʻa iā ʻoe ka amyotrophic lateral sclerosis (ALS, a i ʻole maʻi ʻo Lou Gehrig), ua kūpono ʻoe no Medicare ke hoʻomaka koke kāu pōmaikaʻi Social Security. ʻAʻole ʻoe ma lalo o ke kali kali o 24 mau mahina.
• ESRD. Inā loaʻa iā ʻoe kahi maʻi hōʻeha pae (ESRD), lilo ʻoe i Medicare kūpono ma hope o ke kuʻi ʻana o ka puʻupaʻa a i ʻole 3 mau mahina ma hope o ka hoʻomaka ʻana o ka lāʻau dialysis.

Nā koina pono Medicare ʻē aʻe

Aia kekahi mau pae koho Medicare ʻē aʻe i ka hoʻohui o ka makahiki.

• Pono ʻoe he kamaʻāina U.S. a i ʻole he kamaʻāina paʻa kū kānāwai i noho ma ʻAmelika Hui Pū ʻIa no 5 mau makahiki.
• Ua uku ʻoe a i ʻole kāu wahine i ka Social Security no ka nui o 10 mau makahiki a ʻoi (i kapa ʻia hoʻi e loaʻa ana nā hōʻaiʻē 40), A I OLE pono ʻoe i uku i ka ʻauhau Medicare ʻoiai ʻo ʻoe a ʻo kāu wahine paha he limahana ia no ke aupuni pekelala.

I kēlā me kēia makahiki, ʻano like ke pōʻai no ke kākau inoa ʻana i Medicare. Eia kekahi mau lā palena nui e noʻonoʻo ai:

• ʻO kou piha makahiki 65. Wā kākau inoa mua. Hiki iā ʻoe ke noi e kākau inoa i Medicare a i 3 mau mahina ma mua, ka mahina o, a me 3 mau mahina ma hope o kou lā hānau 65th.
• Ianuali 1 – Malaki 31. Wā kākau inoa makahiki. Inā ʻaʻole ʻoe i noi no Medicare i ka puka window he 7 mau mahina a puni kou lā hānau, hiki iā ʻoe ke kākau inoa i kēia manawa. Hiki iā ʻoe ke hoʻololi ma waena o nā hoʻolālā Medicare Original a me Medicare Advantage a hoʻololi i kāu hoʻolālā Medicare Part D i kēia wā. Inā ʻoe e kākau inoa ma Medicare Part A a i ʻole ʻĀpana B i kēia manawa, loaʻa iā ʻoe ka uhi ʻana mai Iulai 1.
• ʻOkakopa 15 – Kekemapa 7. E wehe i ka wā kau inoa no ka poʻe i kākau inoa ʻia i Medicare a makemake e hoʻololi i kā lākou koho koho. ʻO nā hoʻolālā i koho ʻia i ka wā o ke kākau inoa hamama e lilo i mana ma Ianuali 1.

E aʻo e pili ana i nā ʻāpana like ʻole o Medicare

ʻO Medicare kahi papahana inikua olakino pekelala no ka poʻe i piha i ka makahiki 65 a ʻoi paha, a me nā kānaka i loaʻa kekahi ʻano olakino.

Ua haki ʻia ʻo Medicare i mau “ʻāpana.” ʻO nā ʻāpana kahi ala maoli e kuhikuhi ai i nā kulekele ʻokoʻa, nā huahana, a me nā pōmaikaʻi e pili ana iā Medicare.

• Medicare Mahele A. ʻO Medicare Māhele A he ʻinikua haukapila. Uhi ʻoe iā ʻoe i ka wā noho pōkole noho i loko o nā haukapila a no nā lawelawe e like me ka hale hoʻokipa. Hāʻawi pū kekahi ia i ka palena palena palena no ka mālama pono ʻana i kahi ʻoihana hānai a koho i nā lawelawe o ka home.
• Medicare Mahele B. ʻO Medicare Māhele B kahi ʻinikua olakino e uhi ana i nā pono mālama i kēlā me kēia lā e like me nā koho a ke kauka, nā kipa therapist, nā lako olakino, a me nā kipa mālama nui.
• Medicare Mahele C. Kapa ʻia ʻo Medicare Part C ʻo Medicare Advantage. Hoʻohui kēia mau hoʻolālā i ka uhi ʻana o nā ʻāpana A a me B i hoʻokahi hoʻolālā. Hāʻawi ʻia nā hoʻolālā Medicare Advantage e nā ʻoihana inikua pilikino a mālama ʻia e Medicare.
• Medicare Mahele D. ʻO Medicare ʻĀpana D ka laʻau lāʻau i kuhikuhi ʻia. ʻO nā hoʻolālā ʻĀpana D kahi hoʻolālā kū hoʻokahi e uhi i nā kuhikuhi wale nō. Hāʻawi pū ʻia kēia mau hoʻolālā ma o nā ʻoihana ʻinikua pilikino.
• Medigap. ʻO Medigap kekahi i kapa ʻia he ʻinikua hoʻohui Medicare. Kōkua nā hoʻolālā Medigap i ka uhi ʻana i nā kumukūʻai o waho o ka ʻeke o Medicare, e like me nā deductibles, copayments, a me nā huina kālā.

ʻO ka lawe lawe ʻana

Ke hoʻomau nei ka makahiki Medicare e 65 mau makahiki. Inā loli kēlā, ʻaʻole paha ʻoe e hoʻopilikia ʻia, no ka mea e loli ana ka loli i nā piʻi mālie.

Hiki ke paʻakikī ke kākau inoa ʻana ma Medicare, akā nui nā kumuwaiwai e kōkua ai i ka maʻalahi ʻana i ke kaʻina hana a kau inoa iā ʻoe.

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.

E heluhelu i kēia ʻatikala ma ka Paniolo