He aha ke kumukūʻai o Medicare ma 2021?

Anter

• He aha ka Medicare Part A?
• Aia kekahi uku no Medicare Part A?
• Nīnau: Pono ʻoe e kākau inoa i ka Medicare Part B inā ʻoe e kākau inoa i ka ʻāpana A?
• Aia kekahi mau kumukūʻai no Medicare Part A?
• Nīnau: He aha ka wā pōmaikaʻi ʻo ʻĀpana?
• Mālama haukapila maʻi
• Mālama hale mālama mākau
• Kauka mālama home
• Mālama ʻo Hospice
• Mālama ola olakino maʻi
• Nīnau: E uku wau i ka hoʻopaʻi inā ʻaʻole wau e kākau inoa i ka ʻĀpana A ke hiki koke iaʻu ke koho?
• He aha ka uhi a Medicare Part A?
• He aha ka mea ʻaʻole e uhi ka ʻĀpana A?
• ʻO ka lawe lawe ʻana

Hana ʻia ka papahana Medicare i mau ʻāpana. ʻO Medicare Māhele A me Medicare ʻĀpana B hana i nā mea i kapa ʻia ʻo Medicare kumu.

ʻO ka hapa nui o ka poʻe i loaʻa ka ʻāpana A ʻaʻole lākou e uku i kahi uku. Eia nō naʻe, aia kekahi mau kumu kūʻai ʻē aʻe, e like me nā deductibles, copay, a me ka coinsurance āu e uku ai inā pono ʻoe e mālama i ka haukapila.

Eia ka mea e pono ai ʻoe e ʻike e pili ana i nā uku a me nā kumu kūʻai ʻē aʻe e pili ana i ka Medicare Part A.

He aha ka Medicare Part A?

Manaʻo ʻia ʻo Medicare Part A he ʻinikua haukapila. Kōkua ia e uhi i kekahi o kāu mau koina ma nā ʻano lapaʻau a me nā lawelawe olakino ke ʻae ʻia ʻoe ma ke ʻano he mea maʻi.

E helu inoa ʻia kekahi poʻe i ka ʻāpana A ke koho ʻia lākou. Pono nā mea ʻē aʻe e kau inoa no ia ma o ka Social Security Administration (SSA).

Aia kekahi uku no Medicare Part A?

ʻO ka hapa nui o ka poʻe e kākau inoa nei i ka ʻāpana A ʻaʻole lākou e uku i ka uku no ka mahina. Kapa ʻia kēia ʻo Medicare-uku ʻāpana A.

Māhele ʻia ka ʻāpana Medicare ma ka helu o nā hapahā i uku ʻia e kēlā me kēia ʻauhau Medicare ma mua o ke kākau inoa ʻana i Medicare. ʻO ka ʻauhau Medicare kahi ʻāpana o nā ʻauhau paʻa i ʻohi ʻia mai kēlā me kēia uku āu e loaʻa ai.

Inā ʻaʻole ʻoe i hana i ka nui o 40 mau hapaha (a 10 mau makahiki paha), eia ka nui o ke kumukūʻai A Part A e uku ʻia ma 2021:

Ke kau inoa ʻoe i ka ʻāpana A, e loaʻa iā ʻoe kahi kāleka Medicare i ka leka uila. Inā loaʻa iā ʻoe kahi ʻāpana A, e ʻōlelo ana kāu kāleka Medicare "HOSPITAL" a he lā kou e maikaʻi ai kāu uhi ʻana. Hiki iā ʻoe ke hoʻohana i kēia kāleka e loaʻa nā lawelawe i uhi ʻia e ka ʻāpana A.

Nīnau: Pono ʻoe e kākau inoa i ka Medicare Part B inā ʻoe e kākau inoa i ka ʻāpana A?

Ke kau inoa ʻoe i ka ʻāpana A, pono ʻoe e kākau inoa i ka ʻāpana B. ʻO Medicare Part B e uhi ana i nā lawelawe mālama ola e like me nā koho a ke kauka.

E uku ʻoe i kahi uku no kēlā me kēia mahina no kēia pale. ʻO ka mahele waiwai nui ʻāpana B ma 2021 he $ 148.50, a ʻo ka hapa nui o ka poʻe i loaʻa ka ʻāpana B e uku i kēia kālā.

Aia kekahi mau kumukūʻai no Medicare Part A?

Inā ʻoe e uku i kahi uku no kēlā me kēia mahina no kāu Medicare Part A ʻaʻole paha, aia kekahi kumukūʻai e pili pū ana me ka ʻāpana A. E loli kēia mau koina e pili ana i nā mea e like me ke ʻano o nā pono i ʻae ʻia a me ka lōʻihi o kou noho ʻana.

ʻO kēia mau kumukūʻai hou aʻe mai loko mai o ka ʻeke.

• Deductibles: ka nui āu e pono ai e uku ma mua o ka hoʻomaka ʻana o ka ʻāpana A e uhi ana i nā koina o kāu mālama
• Copays: kahi uku paʻa āu e uku ai no kahi lawelawe
• Coinsurance: ʻO ka pākēneka āu e uku ai no nā lawelawe ma hope o kou hālāwai ʻana me kāu unuhi

Nīnau: He aha ka wā pōmaikaʻi ʻo ʻĀpana?

Pili nā manawa pono no nā noho maʻi ma ka haukapila, kahi ola olakino, a i ʻole kahi hanai hānai akamai.

No kēlā me kēia wā pōmaikaʻi, e uhi ka ʻāpana A i ka piha o kāu 60 mau lā (a i ʻole 20 mau lā mua no kahi wahi kahu hānai mākaukau) ma hope o kou hālāwai ʻana me kāu hoʻoliʻiliʻi. Ma hope o kēia manawa mua, pono ʻoe e uku i ka coinsurer i kēlā me kēia lā.

Hoʻomaka nā wā pōmaikaʻi i ka lā i ʻae ʻia ʻoe ma ke ʻano he mea maʻi a hoʻopau i 60 mau lā ma hope o kou haʻalele ʻana i kahi hana. ʻAʻole ʻoe e hoʻomaka i kahi wā pōmaikaʻi hou a hiki i kou haʻalele ʻana i ka mālama maʻi no 60 mau lā ma hope.

Mālama haukapila maʻi

Eia pehea kēlā me kēia kumukūʻai e lilo ai i kahi haukapila noho i 2021:

Mālama hale mālama mākau

Hāʻawi kahi ʻoihana kahu hānai mākau i ka mālama hoʻopulapula e like me ka hanai hānai akamai, ka hoʻomaʻamaʻa ʻoihana, ka lāʻau hoʻoikaika kino, a me nā lawelawe ʻē aʻe e kōkua i nā mea maʻi e ola hou mai ka ʻeha a nā maʻi.

Uhi ka Medicare ʻĀpana i ke kumukūʻai o ka mālama i kahi kahu hānai akamai; Eia nō naʻe, aia nā kumukūʻai e uku pū ʻoe. Eia kāu mea e uku ai no ka noho ʻana i kahi kahu hānai mākau i kēlā me kēia manawa pōmaikaʻi i 2021:

Kauka mālama home

Mālama ʻo Medicare Part A i nā lawelawe mālama ola home pōkole i kekahi mau hanana kūpono. Pono ʻo Medicare e ʻae i kāu lawelawe olakino home. Inā ʻae ʻia, ʻaʻole ʻoe e uku i kekahi mea no nā lawelawe mālama ola home.

Inā makemake ʻoe i nā lako olakino paʻa i kēia manawa, e like me nā lako hoʻoikaika kino, nā lako mālama ʻeha, a me nā lako kōkua, kuleana ʻoe no 20 pākēneka o ke kumukūʻai Medicare i ʻae ʻia o kēia mau mea.

Mālama ʻo Hospice

ʻOiai ke hāʻawi ʻia nā (mea lawelawe) āu i koho ai Medicare-ʻae ʻia, Medicare Part A e uhi i ka mālama hale hoʻokipa. ʻOiai ʻaʻole manuahi nā lawelawe iā lākou iho ma ke kumu kūʻai, aia paha kekahi mau uku e koi ʻia ʻoe e uku e like me:

• kahi copayment o ʻaʻole ʻoi aku ma mua o $ 5 no kēlā me kēia lāʻau lāʻau no ke kōkua ʻana i ka ʻeha a me ka mālama ʻana i nā ʻōuli inā e loaʻa ana iā ʻoe ka mālama hale hoʻokipa ma ka home
• 5 pakeneka o ka Medicare-ʻāpono kālā no ka hoʻomaha hoʻomaha maʻi maʻi maʻi
• ke kumukūʻai piha o ka mālama home hānai, ʻoiai ʻaʻole uku ʻo Medicare no ka mālama home hānai i ka manawa o ka hale hoʻokipa a i kekahi manawa ʻē aʻe

Mālama ola olakino maʻi

Mālama ʻo Medicare Part A i ka mālama olakino noʻonoʻo maʻi maʻi; akā naʻe, aia nā koina e koi ʻia ʻoe e uku.

ʻO kahi laʻana, pono ʻoe e uku i 20 pākēneka o nā koina i ʻae ʻia e Medicare no nā lawelawe olakino noʻonoʻo mai nā kauka a me nā mea laikini laikini ke ʻae ʻia ʻoe i kahi keʻena ma ke ʻano he maʻi maʻi.

Eia pehea ke kumukūʻai o kahi hale olakino maʻi maʻi i 2021:

Nīnau: E uku wau i ka hoʻopaʻi inā ʻaʻole wau e kākau inoa i ka ʻĀpana A ke hiki koke iaʻu ke koho?

Inā ʻaʻole ʻoe e kūpono i ka ʻāpana manuahi ʻApana A a koho ʻaʻole e kūʻai iā ia ke hiki mua ʻoe i ke kākau inoa ʻana i Medicare, hiki iā ʻoe ke hoʻopaʻi ʻia i ke kākau inoa lohi. Hiki i kēia ke hoʻonui i kāu uku uku mahina a hiki i ka 10 pakeneka no kēlā me kēia makahiki ʻaʻole ʻoe e kākau inoa i ka Medicare Part A ma hope o kou ʻae ʻia.

E uku ʻoe i kēia uku hoʻonui hoʻonui ʻia no ka manawa ʻelua o ka nui o nā makahiki āu i kūpono ai no ka ʻĀpana A, akā ʻaʻole kau inoa no ia. ʻO kahi laʻana, inā kau inoa ʻoe i 3 mau makahiki ma hope o kou koho ʻia ʻana, e uku ʻoe i kahi uku hoʻonui no 6 mau makahiki.

He aha ka uhi a Medicare Part A?

Uhi ka ʻaoʻao A i nā ʻano mālama aʻe:

• mālama hale maʻi
• ola kino noʻonoʻo
• mālama kahu mālama pono
• hoʻihoʻi hou maʻi maʻi
• hale hoʻokipa
• hale mālama home

Uhi wale ʻia ʻoe ma lalo o ka ʻāpana A inā ʻoe e ʻae ʻia i kahi keʻena ma ke ʻano he mea maʻi (ke ʻole inā he mālama mālama home). No laila, he mea nui e nīnau i kāu poʻe lawelawe inā manaʻo ʻia ʻoe he hale maʻi a i ʻole kahi mea maʻi i kēlā me kēia lā o kou noho. Inā paha ʻoe i manaʻo ʻia he mea maʻi a i ʻole kahi mea maʻi i waho e hiki ke hoʻopili i kāu uhi a pehea ka nui o kāu uku.

He aha ka mea ʻaʻole e uhi ka ʻĀpana A?

ʻO ka mea maʻamau, ʻaʻole uhi ka ʻāpana A i ka mālama wā lōʻihi. Mālama wā lōʻihi pili i ka mālama nonmedical no ka noho ʻana i kēlā me kēia lā no ka poʻe me ke kīnā a i ʻole ka maʻi lōʻihi. ʻO kahi laʻana ke ʻano o ka mālama i hāʻawi ʻia ma kahi nohona kōkua.

Hoʻohui ʻia, ʻaʻole uku ka ʻāpana A no ka haukapila maʻi a i ʻole kahi hale olakino noʻonoʻo e noho ma mua o kāu mau lā mālama. Loaʻa iā ʻoe he 60 mau lā mālama e hiki ai iā ʻoe ke hoʻohana inā he mea maʻi ia i loko o kekahi o kēia mau ʻoihana ma hope o kou noho ʻana ma laila no 90 mau lā.

ʻAʻole hoʻopiha hou ʻia nā lā mālama mālama ola. Ke hoʻohana ʻana ʻoe i nā mea āpau, kuleana ʻoe no nā koina āpau. ʻO kahi laʻana, inā ʻoe i hoʻohana i kāu mau lā mālama āpau i ka wā ma mua o ka noho ʻana o ka haukapila maʻi ma mua o 90 mau lā, kuleana ʻoe no nā koina āpau inā ʻoi aku ka nui o kāu noho maʻi maʻi ma hope o 90 mau lā.

ʻO ka lawe lawe ʻana

Uhi ka Medicare ʻāpana A i nā noho maʻi maʻi, e like me nā mea ma ka haukapila a i ʻole kahi hanai hānai akamai. Me ka ʻāpana B, hana kēia mau ʻāpana i Medicare kumu.

ʻAʻole uku ka hapa nui o ka poʻe i ka uku no kēlā me kēia mahina no ka ʻĀpana A, akā aia kekahi mau kumukūʻai e pili ana i ka ʻĀpana A e koi ʻia paha ʻoe e uku e like me nā deductibles, copays, a me ka coinsurance.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 13, 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.