Uhi ʻo Medicare i nā kōkua olakino home?

Anter

• He aha nā mea kōkua olakino home?
• Āhea uhi ʻo Medicare i ka mālama olakino home?
• He aha nā kumukūʻai o nā mea kōkua olakino home?
• ʻO wai nā hoʻolālā Medicare e ʻoi aku ka maikaʻi inā pili ʻoe inā pono ʻoe i nā lawelawe olakino home?
• Mahele A
• Mahele B
• ʻĀpana C
• Hoʻolālā Medicare a i ʻole Medigap
• Ke laina lalo

ʻAe nā lawelawe olakino home i kahi kanaka e noho i ko lākou home ʻoiai e loaʻa iā lākou nā mea e pono ai a i ʻole ka mālama kahu hānai akamai. Uhi ʻia ʻo Medicare i kekahi mau ʻano o kēia mau lawelawe olakino home, e laʻa me ke ʻano hoʻoikaika kino a me ka ʻoihana hana a me ka mālama kahu hānai mākaukau.

Eia nō naʻe, ʻaʻole uhi ʻo Medicare i nā lawelawe olakino home āpau, e like me ka mālama ʻana i ka uaki, ka lawe ʻana i ka papa ʻaina, a i ʻole ka mālama mālama - ʻo ka hapa nui o kēia mau lawelawe i hāʻule ma lalo o nā mea kōkua olakino home.

E hoʻomau i ka heluhelu ʻana e ʻike e pili ana i nā lawelawe i uhi ʻia ma lalo o Medicare, a pehea e hāʻule ai a kōkua ʻole ai nā mea kōkua olakino home ma lalo o kēia mahele.

He aha nā mea kōkua olakino home?

ʻO nā mea kōkua olakino home he ʻoihana olakino e kōkua i ka poʻe i ko lākou home ke loaʻa ke kino kīnā, nā maʻi maʻi mau, a i ʻole pono i ke kōkua hou.

Kōkua paha nā mea kōkua i nā hana o ka nohona o kēlā me kēia lā, e like me ka ʻauʻau ʻana, ʻaʻahu ʻana i ka lole, hele i ka lua, a i ʻole nā ​​hana ʻē aʻe a puni ka home. No nā mea e pono ai ke kōkua ma ka home, hiki ke waiwai nui nā mea kōkua olakino home.

Eia nō naʻe, ʻokoʻa lākou mai nā hana olakino home ʻē aʻe, i hiki ke hoʻopili ʻia me nā kahu maʻi olakino home, nā mea hoʻoponopono kino, a me nā mea hoʻomaʻamaʻa hana e hāʻawi i ka mālama olakino a me ka mākaukau e koi ana i ka hoʻomaʻamaʻa kūikawā kūikawā a me nā palapala hōʻoia.

Wahi a ka US Bureau of Labor Statistics, ʻo ka pae hoʻonaʻauao maʻamau no ka mea kōkua olakino home he diploma kula kiʻekiʻe a like paha.

Hoʻohana paha kekahi poʻe i ka huaʻōlelo "mea kōkua kōkua home" e wehewehe ai i nā hana āpau e hāʻawi ai i ka mālama ma ka home, akā ʻokoʻa ʻokoʻa kahi mea kōkua olakino home mai kahi kahu hānai olakino home a mea hoʻoponopono paha.

ʻO kēia mau ʻokoʻa ke kī i ka wā e hoʻomaopopo ai i ka mea a Medicare e makemake ai a ʻaʻole e uhi ke pili i ka mālama home. ʻAʻole uku ʻo Medicare no ka hapa nui o nā lawelawe i hāʻule ma lalo o nā lawelawe kōkua kōkua olakino. Pākuʻi ʻia kēia mau mea:

• mālama a puni ka uaki
• ka hāʻawi ʻana i ka papa ʻaina home a i ʻole kōkua i ka ʻai ʻana
• nā lawelawe home, e like me ka holoi lole, hoʻomaʻemaʻe, a i ʻole ke kūʻai ʻana
• mālama pilikino, e like me ke kōkua me ka ʻauʻau, ka lole ʻana, a me ka hoʻohana ʻana i ka lua

Inā ʻo nā lawelawe mālama pilikino mai kahi mea kōkua olakino home wale nō ka mālama āu e pono ai, ʻaʻole uhi pinepine ʻo Medicare i kēia mau mea. Uhi lākou i nā lawelawe mālama ola home.

Āhea uhi ʻo Medicare i ka mālama olakino home?

ʻO Medicare Part A (nā lawelawe haukapila) a me Medicare Part B (nā lawelawe lapaʻau) e uhi ana i kekahi mau ʻano o ke olakino home.

ʻO ke kūpono, hiki i ke olakino home ke hoʻonui i kāu mālama a pale i ke komo hou ʻana i kahi haukapila. Nui a hewahewa nā kaʻina e kūpono ai no ka mālama olakino home:

• Pono ʻoe ma lalo o ka mālama a ke kauka nāna i hana i kahi hoʻolālā no ʻoe e pili ana i ka mālama olakino home. Pono kāu kauka e loiloi i ka hoʻolālā ma nā manawa maʻamau e ʻike e kōkua mau ana ia iā ʻoe.
• Pono e kauka e hōʻoia e pono i ka lawelawe kahu hānai mākaukau. No ka pono o kēia mālama, pono i kāu kauka e hoʻoholo e hoʻomaikaʻi a mālama paha kāu maʻi ma o nā lawelawe olakino home.
• Pono kāu kauka e hōʻoia he homebound ʻoe. ʻO kēia he paʻakikī a paʻakikī paha iā ʻoe e haʻalele i kou home.

Inā kū ʻoe i kēia mau koi, uku paha nā ʻaoʻao Medicare A a me B no kekahi mau lawelawe olakino home, me:

• mālama kahu hānai hapa manawa, hiki ke hoʻopili i ka mālama ʻana i ka ʻeha, mālama catheter, ka mālama pono ʻana i nā hōʻailona koʻikoʻi, a i ʻole ka lāʻau lapaʻau intravenous (e like me nā antibiotic)
• ʻoihana hana
• hoʻōla kino
• lawelawe kaiāulu
• maʻi pilikino ʻōlelo-ʻōlelo

Wahi a Medicare.gov, uku ʻo Medicare no "nā manawa kōkua a me nā lawelawe kōkua kōkua olakino home manawa." Huikau kēia.

ʻO ia ka mea i hiki i kahi limahana olakino home ke hoʻolako i nā lawelawe mālama pilikino e hoʻolako ʻia e kahi mea kōkua olakino home. ʻO ka ʻokoʻa, no ka uku hou ʻana, pono ʻoe i nā lawelawe kahu hānai mākaukau pū kekahi.

He aha nā kumukūʻai o nā mea kōkua olakino home?

Inā ua hana kāu kauka i nā ʻanuʻu e kōkua iā ʻoe e kūpono i nā lawelawe olakino home, e kōkua paha lākou iā ʻoe e launa me kahi keʻena olakino home.

Pono kēia mau hui e hāʻawi iā ʻoe i ka wehewehe o ka hana a Medicare a uhi ʻole ma o kahi hoʻolaha Advance beneficiary. ʻO ke kūpono, kōkua kēia e hōʻemi i nā kumukūʻai kāhāhā iā ʻoe.

Ke ʻae ʻo Medicare i kāu lawelawe olakino home, ʻaʻole ʻoe e uku i kekahi mea no nā lawelawe mālama olakino home, ʻoiai he kuleana ʻoe no 20 pākēneka o ka Medicare i ʻāpono ʻia no nā pono olakino paʻa (DME), i hiki ke hoʻopili ʻia me nā lako olakino kino, nā lako mālama ʻeha. , a me nā hāmeʻa kōkua.

Loaʻa ka palena manawa he 21 mau lā no ka lōʻihi e hiki ai iā ʻoe ke loaʻa i nā lawelawe manuahi. Eia nō naʻe, hiki i kāu kauka ke hoʻolōʻihi i kēia palena inā hiki iā lākou ke koho inā pau kāu pono no nā lawelawe olakino home.

ʻO wai nā hoʻolālā Medicare e ʻoi aku ka maikaʻi inā pili ʻoe inā pono ʻoe i nā lawelawe olakino home?

Hoʻokaʻawale ʻo Medicare i kāna lawelawe i nā hui leka ʻokoʻa, e like me nā ʻaoʻao Medicare A, B, C (Medicare Advantage), a me D (ka lāʻau lāʻau i kuhikuhi ʻia).

Mahele A

ʻO Medicare Part A ka ʻāpana e hoʻolako i ka uhi ʻana o ka haukapila. Manuahi ka ʻaoʻao Medicare A i ka hapa nui o nā kānaka ke hana a i ʻole ko lākou wahine ma kahi o 40 mau hapaha e uku ana i nā ʻauhau Medicare.

ʻOiai ʻo ka ʻāpana A he "uhi hale maʻi," uhi mau ia nā lawelawe olakino home mākau no ka mea hiki iā lākou ke hoʻomau i ka mālama āu e loaʻa nei ma ka haukapila a ola i kou ola holoʻokoʻa.

Mahele B

ʻO Medicare ʻĀpana B ka ʻāpana e uhi ana i nā lawelawe olakino. Uku ka poʻe āpau i ka ʻāpana B i kahi uku inikua, a e uku paha kekahi poʻe i kā lākou loaʻa kālā. Uku ka ʻāpana B no kekahi mau ʻaoʻao o nā lawelawe olakino home, me nā pono lapaʻau.

ʻĀpana C

ʻO Medicare Part C ka mea i kapa ʻia ʻo Medicare Advantage. He ʻokoʻa ia mai ka Medicare kuʻuna i ka hoʻohui ʻia o nā ʻāpana A, B, i kekahi manawa D (ka lāʻau lapaʻau lāʻau kuhikuhi), a me kekahi manawa nā lawelawe hou aku, kaukaʻi ʻia i kāu hoʻolālā.

ʻO nā laʻana o nā Medicare Advantage Plans e pili ana i ka hoʻonohonoho mālama olakino (HMO) a i ʻole kahi ʻoihana hoʻolako makemake ʻia (PPO). Inā loaʻa iā ʻoe kēia mau ʻano hoʻolālā, pono paha ʻoe e kiʻi i kāu lawelawe olakino home mai kahi ʻoihana āu e ʻaelike pono ai.

Hāʻawi kekahi mau hoʻolālā Medicare Advantage i ka uhi hou aʻe no nā lawelawe olakino home, a pono e hoʻopili ʻia kēia ʻike i kāu wehewehe ʻana i nā pono.

Hoʻolālā Medicare a i ʻole Medigap

Inā loaʻa iā ʻoe Medicare kumu (mau ʻāpana A a me B, ʻaʻole ʻo Medicare Advantage), hiki paha iā ʻoe ke kūʻai i kahi hoʻolālā kōkua Medicare, i kapa ʻia ʻo Medigap.

Uku kekahi mau hana Medigap i nā kumu kūʻai kālā no ka ʻāpana B, i kōkua paha iā ʻoe e uku no nā lawelawe olakino home. Eia naʻe, ʻaʻole hāʻawi kēia mau hoʻolālā i ka uhi ʻana o ka lawelawe olakino home.

Koho kekahi poʻe e kūʻai i ka ʻinikua mālama wā lōʻihi ʻokoʻa, ʻaʻole ia he ʻāpana o Medicare. Hiki i kēia mau kulekele ke kōkua i ka uhi ʻana i nā lawelawe mālama ola home a no nā wā lōʻihi ʻoi aku ma mua o Medicare. Eia nō naʻe, ʻokoʻa nā kulekele a hōʻike i kahi kumukūʻai keu i ka poʻe ʻelemākule.

Ke laina lalo

ʻAʻole uku ʻo Medicare no nā lawelawe kōkua olakino home me ka loaʻa ʻole o ka inoa mālama mākaukau. Inā ʻōlelo kāu kauka e pono ʻoe i ka mālama mākaukau, hiki paha iā ʻoe ke loaʻa nā lawelawe mālama pilikino ʻoiai e mālama pono ana iā ʻoe.

ʻO ke ala ʻoi aku ka maikaʻi e kamaʻilio pū me kāu kauka a me ke keʻena olakino home prospective e hoʻomaopopo he aha nā kumukūʻai a ʻaʻole uhi ʻia a no ka lōʻihi.

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.