ʻO Medicare Part A Coverage: He aha kāu e ʻike ai no 2021

Anter

• He aha ka Medicare Part A?
• He aha ka uhi a Medicare Part A?
• He aha ka uhi ʻole a Medicare Part A?
• He aha ke kumukūʻai ʻo Medicare Part A?
• Aia kekahi pale maʻi haukapila Medicare ʻē aʻe?
• Ua kūpono wau no Medicare Part A?
• Pehea e kākau inoa ai ma Medicare Part A
• Kakau inoa mua
• Kakau inoa kūikawā
• ʻO ka lawe lawe ʻana

ʻO Medicare ka papahana inikua olakino lāhui i ʻAmelika Hui Pū ʻIa. Inā he 65 a ʻoi paha ka makahiki o kekahi kanaka a i ʻole he ʻano olakino kona, hiki iā lākou ke loaʻa ka lāʻau Medicare.

Holo nā kikowaena no nā lawelawe Medicare a me Medicaid iā Medicare, a hoʻokaʻawale lākou i nā lawelawe i nā ʻāpana A, B, C, a me D.

Kōkua ka Medicare Part A i ka uku inā koi kekahi i nā lawelawe haukapila. Inā ua hana ʻoe a me kāu wahine a uku i nā ʻauhau Medicare no 10 mau makahiki, hiki iā ʻoe ke kūpono no Medicare Part A me ka uku ʻole.

He aha ka Medicare Part A?

ʻO Medicare ʻĀpana ʻo ia ka papa hana pale maʻi no nā makahiki 65 a ʻoi. ʻIke nā mea hana o Medicare i nā ʻāpana e like me kahi buffet.

E loaʻa mau iā ʻoe ka ʻāpana A, no laila e uhi ʻoe no kahi noho haukapila. Inā ʻaʻohe ou ʻinikua pilikino a makemake i ka uhi hou ʻana, hiki iā ʻoe ke koho mai nā ʻāpana ʻē aʻe o Medicare.

ʻAʻole pono ʻoe e hoʻomaha no ke kau inoa ʻana no Medicare Part A - he pōmaikaʻi hiki iā ʻoe ke hoʻomaka ke loaʻa ke hoʻololi iā ʻoe i ka makahiki 65. He nui ka poʻe e koho i kahi ʻinikua pilikino (e like me ka mea hana) a me Medicare.

He aha ka uhi a Medicare Part A?

Me kekahi mau hoʻokoe, uhi ʻo Medicare Part A i nā lawelawe aʻe:

• Mālama haukapila maʻi. Uhi kēia i nā hoʻokolohua a i ʻole nā ​​mālama e pono ai ke ʻae ʻia ʻoe i ka haukapila.
• Palena mālama home. Inā makemake ʻoe i ka mālama mai kahi mea kōkua olakino home ma hope o kou hoʻokuʻu ʻia ʻana mai kahi noho haukapila maʻi, e uhi ʻo Medicare i ka mālama pono olakino ke ola ʻoe.
• Mālama ʻo Hospice. I ka manawa i koho ai ʻoe e ʻimi i ka hana hoʻokipa ma kahi o ka mālama ʻana no kahi maʻi maʻi, e uhi ʻo Medicare i ka hapa nui o kāu koina mālama ola.
• Noho mau kahi kahu hānai mākaukau wā pōkole. Inā ʻoe e pono e mālama pono i kahi mālama hānai, e uhi ʻo Medicare i kou noho ʻana a me nā lawelawe no kekahi manawa.

ʻO ka mālama maʻi maʻi i loko o kahi haukapila nā lawelawe e like me ka ʻai, nā lawelawe kahu hānai, ka hoʻōla kino, a me nā lāʻau a kauka i ʻōlelo ai he mea nui ka mālama.

Uhi wale ʻo Medicare Part A i nā kumukūʻai kipa ke keena pilikia inā ʻae ke kauka iā ʻoe i ka haukapila. Inā ʻaʻole ʻae ke kauka iā ʻoe a hoʻi ʻoe i ka home, Medicare Part B a i ʻole kāu ʻinikua pilikino e uku no nā koina.

He aha ka uhi ʻole a Medicare Part A?

He mea nui nō hoʻi ia e ʻike ʻaʻole pili ka Medicare Part A i nā koina o ka haukapila. Eia kekahi mau mea ʻaʻole e uhi ʻia ka ʻĀpana A:

• ʻO kāu 3 pine mua o ke koko. Inā loaʻa i kahi haukapila ke koko mai ka panakō koko, ʻaʻole paha ʻoe e uku i kekahi mea. Eia nō naʻe, inā pono i kahi haukapila e loaʻa i ke koko kūikawā no ʻoe, hiki paha iā ʻoe ke uku no ia mai loko mai o ka ʻeke.
• Nā lumi ponoʻī. ʻOiai ʻo ka mālama ʻana i ka maʻi maʻi me kahi noho i kahi lumi semiprivate, ʻaʻole kuleana ʻoe i kahi lumi pilikino i kāu wā e mālama ai.
• Mālama wā lōʻihi. Hoʻohana wale ʻia ka ʻāpana A e mālama i ka wā o kahi maʻi maʻi a i ʻole ʻeha. Inā loaʻa iā ʻoe kahi pono mālama wā lōʻihi, e like me kahi home kahu, pono ʻoe e uku no kāu mālama ʻana ponoʻī ma waho o ka ʻeke.

He aha ke kumukūʻai ʻo Medicare Part A?

Ke hana ʻoe, hana kāu luna (a ʻo ʻoe paha, inā he hana ponoʻī ʻoe) lawe kālā no nā ʻauhau Medicare. ʻOiai ʻo ʻoe a ʻo kāu wahine paha e hana nei no 10 mau makahiki e uku nei i nā ʻauhau Medicare, loaʻa iā ʻoe ka Medicare Part A me ka uku ʻole inā 65 kāu mau makahiki.

ʻAʻole ia e ʻōlelo e hiki iā ʻoe a i ʻole kahi mea aloha ke hele wāwae i loko o kahi haukapila a loaʻa ka mālama manuahi. Pono ka ʻāpana ʻāpana A iā ʻoe e uku i kahi hōʻemi i kāu mālama maʻi maʻi. No 2021, $ 1,484 kēia no kēlā me kēia wā pōmaikaʻi.

Inā ʻaʻole ʻoe e kūpono no ka ʻāpana A manuahi, hiki iā ʻoe ke kūʻai i ka ʻĀpana A. No 2021, ka uku no kēlā me kēia mahina no ka ʻāpana A he $ 471 inā ʻoe i hana ma lalo o 30 hapaha. Inā uku ʻoe i nā ʻauhau Medicare no 30 a 39 mau hapaha, e uku ʻoe i $ 259.

Aia kekahi pale maʻi haukapila Medicare ʻē aʻe?

Aia kekahi mea hou aku iā Medicare ma mua o ka Māhele A - aia kekahi mau ʻāpana B, C, a me D. ʻAʻole ʻoe a i ʻole kahi mea aloha e hoʻohana i nā ʻāpana ʻē aʻe. Loaʻa i kēlā me kēia kālā kahi uku no kēlā me kēia mahina. ʻO nā laʻana o nā lawelawe i uhi ʻia ma lalo o kēlā me kēia:

• Mahele B. Mālama ʻo Medicare Part B i kekahi mau uku no ke kipa ʻana a nā kauka, nā pono lapaʻau, nā kānana diagnostic, a me kekahi ʻoihana lawelawe maʻi maʻi ʻē aʻe āu e pono ai.
• Mahele C. Mālama ʻo Medicare Part C (Medicare Advantage) i nā lawelawe o nā ʻāpana A a me B. Hiki paha iā ia ke uhi i nā lāʻau i kuhikuhi ʻia, ka niho, a me ka ʻike, pili i ka hoʻolālā āu e koho ai. Ke hana nei ka hapa nui o kēia mau hoʻolālā ma o nā kauka "in-network" a i ʻole ka hoʻopaʻa ʻana i kahi kuhikuhi mai ke kauka mālama mua nāna e mālama i kāu mālama.
• Mahele D. Uhi ka Medicare Part D i nā lāʻau i kuhikuhi ʻia. E like me nā ʻāpana Medicare B a me C, pono ʻoe e uku i kahi uku no kēia uhi. Nui a hewahewa nā ʻano papahana D ʻāpana, a kūʻai ʻoe iā lākou mai kahi ʻinikua pilikino.

ʻOiaʻiʻo, aia kekahi mau lawelawe i uhi ʻole ʻia e Medicare kumu. I kekahi manawa, loaʻa i kahi kanaka ka ʻinikua pilikino e uku ai no kēia mau lawelawe, a i ʻole uku lākou iā lākou ma waho o ka ʻeke. ʻO nā laʻana me:

• ʻoki kino
• kahua paʻa niho
• maka aniani a i ʻole nā ​​aniani hoʻopili
• nā pono a i ʻole nā ​​hoʻokolokolo ʻana no nā mea kōkua pepeiao
• mālama wā lōʻihi
• ka nui o nā lawelawe mālama niho
• mālama wāwae wāwae maʻamau

Inā ʻaʻole ʻoe e maopopo inā uhi ʻia kahi lawelawe ma lalo o nā ʻano Medicare, hiki iā ʻoe ke kāhea iā 800-MEDICARE (800-633-4227) e nīnau.

Inā ʻoe a i ʻole mea aloha i ka haukapila, loaʻa iā ʻoe kahi limahana hihia i hāʻawi ʻia iā ʻoe i hiki ke kōkua i ka pane ʻana i nā nīnau e pili ana i ka uhi Medicare.

Ua kūpono wau no Medicare Part A?

Inā ke loaʻa nei iā ʻoe nā pōmaikaʻi ʻo Social Security a aia ma lalo o 65 mau makahiki, e hoʻopaʻa inoa ʻia ʻoe i nā ʻāpana Medicare A a me B ke piha iā ʻoe i 65 mau makahiki. Eia nō naʻe, inā ʻaʻole ʻoe e loaʻa i kēia manawa ka Social Security, pono ʻoe e kākau inoa nui i Medicare.

Hōʻike ka ʻāpana ma lalo i ke kākau inoa mua ʻana ke hiki iā ʻoe ke hoʻomaka i ke kaʻina hana kākau e pili ana i kāu makahiki.

Eia nō naʻe, hiki iā ʻoe ke kūpono no ka ʻāpana A ma mua o kēia manawa inā:

• Loaʻa iā ʻoe nā kūlana olakino e like me ka hopena o ka maʻi hōʻino (ESRD) a i ʻole amyotrophic lateral sclerosis (ALS)
• ua haʻi ke kauka i kahi kīnā e mālama iā ʻoe mai ka hana

Pehea e kākau inoa ai ma Medicare Part A

ʻEkolu ala e kākau inoa ai i ka Medicare Part A:

• E hele pūnaewele i SocialSecurity.gov a kaomi ma luna o "Medicare Enrollment".
• Kāhea i ke keʻena ʻo Social Security ma 800-772-1213. Inā makemake ʻoe iā TTY, kāhea iā 800-325-0778. Wehe ʻia kēia lawelawe ma ka Pōʻakahi a ka Pōʻalima mai ka hola 7 o ke kakahiaka a i ka 7 o ke ahiahi
• Noi i ke kanaka ma kāu Keʻena Keʻena Kaiaka. Kaomi ma aneʻi e ʻike i kāu keʻena kūloko ma ka helu ZIP.

Kakau inoa mua

Hiki iā ʻoe ke hoʻomaka i ke kākau inoa ʻana ma Medicare 3 mau mahina ma mua o kou huli ʻana i 65 mau makahiki (pili pū kēia i ka mahina e huli iā 65 mau makahiki) a i 3 mau mahina ma hope o kou lā hānau 65th. Ma ke ʻano he kaulike, e hoʻomaka ana kāu uhi ʻana ma Iulai 1 o ka makahiki āu e kākau inoa ai.

Kakau inoa kūikawā

Ma lalo o kekahi mau kūlana, hiki paha iā ʻoe ke noi lohi no Medicare. Ua ʻike ʻia kēia wā o ka wā kākau inoa kūikawā.

Hiki paha iā ʻoe ke kākau inoa i kēia manawa inā ua hana ʻia ʻoe e kahi ʻoihana i ʻoi aku i ka 20 mau limahana ke piha iā ʻoe i 65 mau makahiki a loaʻa ka ʻinikua olakino ma o kāu hana, ʻuniona, a i ʻole wahine.

I kēia hihia, hiki iā ʻoe ke noi no Medicare Part A ma loko o 8 mau mahina ma hope o ka pau ʻana o kāu uhi mua.

ʻO ka lawe lawe ʻana

Hiki ke huikau ka hoʻokele ʻana i ka honua o Medicare - inā ʻoe i huli a kokoke paha i ka makahiki 65, he honua hou ia nou.

ʻO ka mea pōmaikaʻi, nui nā waiwai i loaʻa iā ʻoe, mai ka pūnaewele i ke kelepona i kāu keʻena Social Security. Inā he nīnau kikoʻī kāu, he wahi maikaʻi loa kēia mau kumuwaiwai.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 19, 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.