Medicare Part A vs. Medicare Part B: He aha ka ʻokoʻa?
Anter
- He aha ka Medicare Part A?
- Ke kūpono
- Nā kumukūʻai
- Mahele Medicare A uku nui ma 2021
- ʻO Medicare ʻĀpana koina hoʻolimalima
- Nā mea ʻē aʻe e ʻike
- He aha ka Medicare Part B?
- Ke kūpono
- Nā kumukūʻai
- Nā mea ʻē aʻe e ʻike
- Hōʻuluʻulu manaʻo o ka ʻāpana A a me ʻĀpana B ʻokoʻa
- ʻO nā kau inoa Medicare Part A a me ʻĀpana B
- ʻO ka lawe lawe ʻana
ʻO Medicare Part A a me Medicare Part B nā ʻaoʻao ʻelua o ke olakino e pili ana i nā Centers for Medicare & Medicaid Services i hāʻawi ʻia.
ʻO ka ʻāpana A ka uhi ʻana i ka haukapila, ʻoiai ʻo Part B ka mea hou aku no ke kipa ʻana a ke kauka a me nā ʻano ʻē aʻe o ka mālama olakino maʻi maʻi. ʻAʻole hoʻokūkū kēia mau hoʻolālā, akā makemake ʻia e kōkua i kekahi i kekahi e hāʻawi i ka uhi olakino ma ke keʻena kauka a me ka haukapila.
He aha ka Medicare Part A?
Mālama ʻo Medicare Part A i kekahi mau ʻaoʻao o ke olakino i hoʻopili ʻia i kēia mau mea:
- mālama wā pōkole i kahi kahu hānai mākau
- kaupalena 'mālama ola
- mālama hale hoʻokipa
- mālama maʻi maʻi ma kahi haukapila
No kēia kumu, ua kāhea pinepine ka poʻe i ka Medicare Part A i kahi uhi o ka haukapila.
Ke kūpono
No ka pono Medicare Part A, pono ʻoe e hoʻokō i kekahi o nā ana aʻe:
- 65 a ʻoi paha makahiki
- loaʻa kahi kīnā e like me ka mea i hoʻoholo ʻia e ke kauka a loaʻa nā pōmaikaʻi ʻo Social Security no 24 mau mahina
- i ka hopena pae maʻi maʻiʻaʻai
- loaʻa ka amyotrophic lateral sclerosis (ALS), ʻo ka maʻi ʻo Lou Gehrig pū kekahi
Inā loaʻa ʻole iā ʻoe ka ʻāpana A me ka uku ʻole ʻana e kaukaʻi ʻia i kāu (a i ʻole kāu wahine) mōʻaukala hana.
Nā kumukūʻai
ʻO ka hapa nui o ka poʻe i kūpono no Medicare ʻaʻole uku no ka ʻāpana A. He ʻoiaʻiʻo kēia inā ua hana ʻoe a ʻo kāu wahine paha ma kahi o 40 hapaha (ma kahi o 10 mau makahiki) e uku ana i nā ʻauhau Medicare. ʻOiai ʻaʻole ʻoe i hana no 40 mau hapaha, hiki iā ʻoe ke uku i kahi uku no kēlā me kēia mahina no Medicare Part A.
Mahele Medicare A uku nui ma 2021
Ma waho o nā kumukūʻai uku (he $ 0 ia no nā poʻe he nui), aia kekahi mau kumukūʻai ʻē aʻe e pili ana i kahi unuhi (ka mea āu e uku ai ma mua o ka uku ʻana o Medicare) a me ka puʻukū kālā (uku ʻoe i kahi ʻāpana a uku ʻo Medicare i kahi ʻāpana) No 2021, kēia mau lilo:
| Hana ka hapaha a uku i ka ʻauhau Medicare | Premium |
|---|---|
| 40+ hapahā | $0 |
| 30–39 hapahā | $259 |
| <30 hapaha | $471 |
ʻO Medicare ʻĀpana koina hoʻolimalima
Hoʻohālikelike ʻia nā lā hoʻokipa maʻi maʻi 91 a ʻoi aku i nā lā mālama mālama ola. Loaʻa iā ʻoe he 60 mau lā mālama ke ola e hoʻohana ai i ka holo o kou ola. Inā hele ʻoe ma mua o kēia mau lā, kuleana ʻoe i nā koina āpau ma hope o ka lā 91.
Hoʻomaka kahi wā pōmaikaʻi inā he maʻi maʻi ʻoe a hoʻopau inā ʻaʻole i loaʻa iā ʻoe ka mālama maʻi no 60 mau lā i ka lālani.
Eia kāu mea e uku ai i ka ʻĀpana A nā koina hoʻolimalima hale haukapila ma 2021:
| Manawa manawa | Kumukūʻai |
|---|---|
| unuhi ʻia no kēlā me kēia wā pōmaikaʻi | $1,484 |
| lā lā maʻi 1-60 | $0 |
| lā maʻi in 61ent | $ 371 i kēlā me kēia lā |
| nā lā maʻi 17+ | $ 742 no ka lā |
Nā mea ʻē aʻe e ʻike
Ke pono ʻoe i ke kōkua i ka haukapila, pili pinepine ka uku ʻana o Medicare inā paha e haʻi ke kauka iā ʻoe ma ke ʻano he mea maʻi maʻi a i ʻole "ma lalo o ka nānā ʻana." Inā ʻae ʻole ʻia ʻoe i ka haukapila, ʻaʻole uhi ʻo Medicare Part A i ka lawelawe (ʻoiai ʻo Medicare Part B paha).
Aia kekahi mau hiʻohiʻona o ka mālama haukapila i uhi ʻole ʻia e Medicare Part A. Hoʻopili kēia i nā 3 pints mua o ke koko, mālama kahu hānai pilikino, a me kahi lumi pilikino. Uku ʻo Medicare Part A no kahi lumi semi-pilikino, akā inā nā lumi pilikino a pau i hāʻawi ʻia e kāu haukapila, e uku pinepine ʻo Medicare iā lākou.
He aha ka Medicare Part B?
Mālama ʻo Medicare Part B i ke kipa ʻana o nā kauka, ka lāʻau kū i waho, nā pono olakino paʻa, a, i kekahi mau hihia, nā lāʻau lapaʻau. Kāhea kekahi poʻe iā ia he "inikua olakino."
Ke kūpono
No ka pono ʻo Medicare Part B, pono ʻoe i makahiki 65 a ʻoi aku a he kamaʻāina U.S. ʻO ka poʻe i noho kū kānāwai a kūmau hoʻi i ʻAmelika Hui Pū ʻIa no 5 mau makahiki i ka lālani hiki ke kūpono i Medicare Part B.
Nā kumukūʻai
ʻO ke kumukūʻai no ka ʻāpana B e pili ana i kou wā i kau inoa ai i Medicare a me kāu pae loaʻa. Inā ʻoe i kākau inoa i Medicare i ka manawa o ke kākau inoa hāmama a ʻaʻole i ʻoi aku kāu kālā ma mua o $ 88,000 i ka 2019, e uku ʻoe i $ 148.50 i kēlā me kēia mahina no kāu uku Medicare Part B ma 2021.
Eia nō naʻe, inā hana ʻoe i $ 500,000 a ʻoi aku paha ma ke ʻano he hoʻokahi a ʻoi aku paha ma mua o $ 750,000 ma ke ʻano o ka hui pū ʻana o nā kāne, e uku ʻoe i $ 504.90 i kēlā me kēia mahina no kāu ʻāpana Part B ma 2021.
Inā loaʻa iā ʻoe nā pōmaikaʻi mai ka Social Security, ka Rail retirement Retire Board, a i ʻole ke Office of Personnel Management, e unuhi kēia mau ʻoihana i ka Medicare e lawe ʻia ma mua o ka hoʻouna ʻana iā ʻoe i kāu pono.
ʻO ka unuhi makahiki no 2021 $ 203.
Inā ʻaʻole ʻoe e kau inoa no ka Medicare Part B i kou wā kau inoa (maʻa mau ke huli ʻoe i ka makahiki 65), pono paha ʻoe e uku i kahi hoʻopaʻi no ke kākau inoa lohi i kēlā me kēia mahina.
Ke hālāwai ʻoe me kāu unuhi ʻia no Medicare Part B, e uku maʻamau ʻoe i 20 pākēneka o kahi lawelawe i ʻae ʻia e Medicare ʻoiai e uku ana ʻo Medicare i ka 80 pakeneka i koe.
Nā mea ʻē aʻe e ʻike
Hiki paha iā ʻoe ke lilo i mea maʻi maʻi i ka haukapila a loaʻa iā Medicare ʻĀpana A a me ʻĀpana B uku no nā ʻaoʻao o kou noho. ʻO kahi laʻana, hiki ke uku ʻia kekahi o nā kauka a i ʻole nā loea e ʻike iā ʻoe i ka haukapila ma o Medicare Part B. Eia nō naʻe, e uhi ʻo Medicare Part A i ke kumukūʻai no kou noho ʻana a me nā kumukūʻai e pili ana i ke kaila pono lāʻau.
Hōʻuluʻulu manaʻo o ka ʻāpana A a me ʻĀpana B ʻokoʻa
Ma lalo ʻoe e ʻike ai i kahi papa ʻaina e hāʻawi ana i kahi nānā o nā ʻokoʻa nui ma waena o ka ʻāpana A a me ka ʻāpana B:
| Mahele A | Mahele B | |
|---|---|---|
| ʻVeragehi uhi | haukapila a me nā lawelawe maʻi maʻi ʻē aʻe (ʻoki poʻomanaʻo, kahi noho kahu hānai palena palena palena ʻole, ka mālama hale hoʻokipa, a pēlā aku.) | nā lawelawe olakino waho (mālama mālama, nā koho a ke kauka, nā lawelawe hoʻomaʻamaʻa, nā lako olakino, a pēlā aku.) |
| Ke kūpono | 65 makahiki a ʻoi paha, e loaʻa i ke kīnā mai ka Social Security no 24 mau mahina, a i ʻole loaʻa ka ʻike o ESRD a i ʻole ALS | 65 makahiki a ʻoi paha a me ke kamaʻāina U.S. a i ʻole kūpono kū kānāwai i ka noho ʻana o U.S. |
| Nā kumukūʻai ma 2021 | ʻo ka hapa nui e uku ʻole i ka uku no kēlā me kēia mahina, $ 1,484 i unuhi ʻia no kēlā me kēia wā pōmaikaʻi, ka uku ʻana i kēlā me kēia lā no ka noho ʻana ma mua o 60 lā | $ 148.50 mahina uku nui no ka hapa nui o ka poʻe, $ 203 makahiki i hōʻemi ʻia, 20% coinsurance ma nā lawelawe uhi a me nā mea |
ʻO nā kau inoa Medicare Part A a me ʻĀpana B
Inā ʻoe a i ʻole kahi mea aloha e kākau inoa koke nei i Medicare (a i ʻole ke hoʻololi ʻana i nā hoʻolālā), mai haʻalele i kēia mau lā palena nui.
- Ke kau inoa mua: ʻo 3 mau mahina ma mua o kou 65 hānau, ka mahina o kou lā hānau, a me 3 mau mahina ma hope o kou 65 hānau
- Ke kākau inoa nui: Ianuali 1 a hiki i Malaki 31 no Medicare Part B inā ʻaʻole ʻoe i kau inoa i loko o kou wā kau inoa mua
- Wehe inoa: ʻOkakopa 15 a hiki i Kēkēmapa 7 no ka Medicare Advantage a me ka ʻĀpana D lāʻau hoʻolālā lāʻau kope inoa inoa a i ʻole nā loli
ʻO ka lawe lawe ʻana
ʻO Medicare Part A a me Medicare Part B nā ʻāpana ʻelua o ka Medicare kumu e kōkua pū i ka uhi ʻana i ka hapa nui o kāu pono olakino e ke kōkua ʻana i ka uku no ka haukapila a me nā kumukūʻai.
Ke kākau inoa nei i kēia mau hoʻolālā i kahi manawa kūpono (3 mau mahina ma mua a i 3 mau mahina ma hope o kou lā hānau 65th) he mea nui ia i ka hoʻolilo ʻana i nā hoʻolālā ma ke ʻano he haʻahaʻa.
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.
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