ʻO nā pono Medicare ma lalo o nā makahiki 65: kūpono ʻoe?

Anter

• He aha nā lula no ke kūpono Medicare inā ʻoe ma lalo o 65?
• Ke loaʻa nei i ka mālama ola no ke kīnā
• Hoʻopau i ka maʻi hōʻino (ESRD)
• ʻO Amyotrophic lateral sclerosis (ALS a i ʻole maʻi ʻo Lou Gehrig)
• Nā kīnā ʻē aʻe
• Nā kāne o ka poʻe 65 a ʻoi ma Medicare
• He aha nā rula kūpono no Medicare?
• He aha ka uhi a Medicare e hāʻawi ai?
• ʻO ka lawe lawe ʻana

ʻO Medicare kahi papahana mālama ola e kākoʻo ʻia e ke aupuni ʻo ka maʻamau no kēlā mau makahiki 65 a ʻoi aku, akā aia kekahi mau hoʻokoe. Kūpono paha ke kanaka no Medicare i ka wā ʻōpio inā loaʻa iā lākou kekahi kūlana olakino a kīnā ʻole.

E heluhelu e aʻo e pili ana i kekahi o nā hoʻokoe makahiki no ka uhi ʻana o Medicare.

He aha nā lula no ke kūpono Medicare inā ʻoe ma lalo o 65?

Eia kekahi mau hanana i hiki ai iā ʻoe ke kūpono no Medicare ma mua o ka makahiki 65.

Ke loaʻa nei i ka mālama ola no ke kīnā

Inā ua loaʻa iā ʻoe ka Insurance Insurance Disability Disability (SSDI) no 24 mau mahina, e kau inoa ʻia ʻoe ma Medicare ma ka 25th mahina ma hope o ka loaʻa ʻana o kāu hōʻoia SSDI mua.

Wahi a nā Kikowaena no Medicare & Medicaid Services (CMS), i ka makahiki 2019 he 8.6 miliona mau kānaka me ke kino kīnā ma Medicare.

Hoʻopau i ka maʻi hōʻino (ESRD)

Hiki iā ʻoe ke kūpono no ka uhi mua Medicare inā ʻoe:

• ua loaʻa i kahi kuhi o ka hōʻino kōpaʻa mai kahi kauka
• aia ma ka dialysis a i ʻole he transplant kidney
• hiki iā lākou ke loaʻa iā SSDI, nā pono kōkua Railroad Retire, a i ʻole kūpono i Medicare

Pono ʻoe e kali i 3 mau mahina ma hope o ka hoʻomaka ʻana o ka dialysis maʻamau a i ʻole ke loaʻa ʻana o kahi transplant kidney e kūpono ai no ka uhi Medicare.

Ke hāʻawi nei i ka uhi ʻana i ka poʻe me ke kino kīnā a me kekahi mau ʻano olakino hoʻomau e hoʻonui i ke komo ʻana i ke olakino a hoʻemi i ka nui o nā make.

ʻO kahi laʻana, he 500,000 ka poʻe me Medicare i loaʻa iā ESRD, e like me kahi ʻatikala 2017. Ua hoʻoholo ka mea noiʻi e pale ka polokalamu ESRD Medicare i ka make ʻana o 540 mai ESRD i kēlā me kēia makahiki.

ʻO Amyotrophic lateral sclerosis (ALS a i ʻole maʻi ʻo Lou Gehrig)

Inā loaʻa iā ʻoe ka ALS, kūpono ʻoe i Medicare ma hope koke o ka hōʻiliʻili ʻana i nā pono ʻo SSDI.

ʻO ALS kahi maʻi holomua e koi pinepine i ke kākoʻo no ka neʻe, ka hanu ʻana, a me ka meaʻai.

Nā kīnā ʻē aʻe

I kēia manawa, ʻo ESRD a me ALS wale nō nā kūlana olakino i kūpono no ka uhi ʻana ʻo Medicare me ka ʻole o ka lōʻihi o ke kali ʻana.

Wahi a ka Kaiser Family Foundation, ʻo ka mea aʻe kēia ka haki ʻana o nā kūlana i kūpono no SSDI ma 2014:

• 34 pakeneka: nā maʻi olakino noʻonoʻo
• 28 pakeneka: ʻōnaehana musculoskeletal a me nā maʻi maʻi hoʻopili
• 4 pakeneka: nā hōʻeha
• 3 pakeneka: maʻi ʻaʻai
• 30 pakeneka: nā maʻi a me nā kūlana ʻē aʻe

Hiki i nā kīnā ʻole ke hoʻololi i kou hiki ke hana a loaʻa i ka mālama olakino kūpono. Hiki i ke kūpono no Medicare ke kōkua, akā ʻo ka poʻe me ke kino kīnā e hōʻike mau nei i ka hopohopo no ke kumukūʻai a me ke kiʻi i ka mālama, e like me ka Kaiser Family Foundation.

Nā kāne o ka poʻe 65 a ʻoi ma Medicare

Hiki i ka moʻaukala hana o kekahi wahine ke kōkua i ka wahine ʻē aʻe e loaʻa ka lāʻau Medicare ke huli lākou i 65.

Eia nō naʻe, ʻaʻole hiki i kahi kāne ma mua o 65 ke kūpono no nā pono Medicare mua, ʻoiai inā he 65 a ʻoi paha ko lākou kāne makua.

Eia kahi laʻana: ua male ʻo Jim lāua ʻo Mary. Ke huli nei ʻo Jim i 65 a ʻo Mary he 60. Ua hana ʻo Mary ma mua o 20 mau makahiki, e uku ana i nā ʻauhau Medicare ʻoiai ʻaʻole i hana ʻo Jim.

Ke huli ʻo Jim i 65, ʻo ka mōʻaukala hana a Mary e hiki ai iā Jim ke kūpono no Medicare Part A keu pono no ka manuahi. Eia nō naʻe, ʻaʻole hiki iā Mary ke kūpono i nā pono a hiki i kona piha ʻana i 65.

He aha nā rula kūpono no Medicare?

Hiki iā ʻoe ke kūpono no Medicare Part A manuahi me ka uku ʻole inā ʻoe he 65 a ʻoi paha a ʻo ʻoe (a ʻo kāu wahine paha) ua hana a uku i nā ʻauhau Medicare no 10 mau makahiki ma mua. ʻAʻole pono nā makahiki i ka lālani e hiki ai ke kūpono.

Hiki iā ʻoe ke kūpono no Medicare i ka makahiki 65 inā hoʻokō ʻoe i nā pae aʻe:

• Ke loaʻa nei ʻoe i nā pono hoʻomaha mai ka Social Security Administration a i ʻole ka Papa Hoʻomaha Hoʻolālā.
• Hiki iā ʻoe ke kūpono no nā pono mai nā ʻoihana i luna aʻe akā ʻaʻole e loaʻa iā lākou.
• ʻO ʻoe a ʻo kāu wahine paha he limahana aupuni i uhi ʻia e Medicare.

Hiki iā ʻoe ke kūpono i ka ʻāpana Medicare A ke huli ʻoe i 65 inā ʻaʻole ʻoe e uku i nā ʻauhau Medicare. Eia nō naʻe, he kuleana ʻoe no ka uku ʻana i ka uku no kēlā me kēia mahina no ka uhi ʻana.

He aha ka uhi a Medicare e hāʻawi ai?

Ua hoʻolālā ke aupuni pekelala i ka papahana Medicare e like me ka papa ʻaina la a carte o nā koho. Hāʻawi kēlā me kēia ʻano o Medicare i ka uhi ʻana no nā ʻano lawelawe lapaʻau.

ʻO nā laʻana me:

• Uhi ka Medicare Part A i ka hale maʻi a me ka uhi maʻi.
• Mālama ʻo Medicare ʻĀpana B i ke kipa ʻana i ka lāʻau lapaʻau a me nā lawelawe lapaʻau.
• ʻO Medicare Part C (Medicare Advantage) kahi hoʻolālā "bundled" e hāʻawi ana i nā ʻāpana A, B, a me D lawelawe.
• Hāʻawi ka Medicare ʻĀpana D i ka uhi lāʻau lāʻau.
• Hāʻawi nā Medicare supplement plan (Medigap) i kahi uhi hou aʻe no nā copayments a me nā deductibles a me kekahi mau lawelawe lapaʻau ʻē aʻe.

Koho kekahi poʻe e kiʻi i kēlā me kēia ʻāpana Medicare ʻoiai makemake kekahi i ka hoʻopili i Medicare Part C. Eia naʻe, ʻaʻole loaʻa ka Medicare Part C i nā wahi āpau o ka ʻāina.

Pono kekahi poʻe e uku i nā hoʻopaʻi inā e lohi lākou i ke komo ʻana i nā lawelawe Medicare. E hoʻomanaʻo i kēia mau lā i ka wā e pili ana i ke kākau inoa ʻana ʻo Medicare:

• ʻOkakopa 15 i Kekemapa 7: ʻO ka manawa kākau inoa hāmama Medicare.
• Ianuali 1 a Malaki 31: ʻO Medicare Advantage (ʻĀpana C) wehe inoa.
• ʻApelila 1 a Iune 30: Hiki i kekahi kanaka ke hoʻohui i kahi hoʻolālā Medicare Advantage a i ʻole Medicare Part D hoʻolālā e hoʻomaka i ka uhi ʻana ma Iulai 1.
• 65 makahiki hānau: Loaʻa iā ʻoe he 3 mau mahina ma mua o kou huli ʻana i 65, kou mahina hānau, a me 3 mau mahina ma hope o kou malama hānau e kau inoa no Medicare.

ʻO ka lawe lawe ʻana

Aia kekahi mau hanana ke hiki i kahi kanaka ke kūpono no Medicare ma mua o ka makahiki 65. Inā ua ʻike ʻia ʻoe a i ʻole kahi mea aloha i kahi maʻi olakino mau a i ʻole kahi ʻeha e mālama iā ʻoe mai ka hana ʻana, e kamaʻilio me kāu kauka inā inā a i ʻole hiki iā ʻoe ke kūpono. 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.