ʻO kāu alakaʻi piha i ka Medicare ʻāpana B

Anter

• He aha ka Medicare Part B a he aha ka mea e uhi ai?
• He aha nā lawelawe i uhi ʻole ʻia e ka ʻāpana B?
• ʻO wai ka mea i kūpono no Medicare Part B?
• Ehia nā kumukūʻai Medicare Part B ma 2021?
• Uku uku mahina
• Hoʻolālā
• Coinsurance
• Copay
• ʻO nā mea nui i waho o ka ʻeke
• Āhea wau e kākau inoa ai i ka Medicare Part B?
• ʻO wai e kau inoa inoa ʻia?
• ʻO wai ka mea pono e kau inoa?
• Āhea wau e noi ai?
• ʻO ka lawe lawe ʻana

ʻO Medicare kahi papahana inikua olakino pekelala no kēlā mau makahiki he 65 a ʻoi a me nā hui kikoʻī ʻē aʻe. Aia i loko o kekahi mau ʻāpana, ʻo kekahi o ia ʻāpana B.

ʻO Medicare ʻĀpana B ka ʻāpana o Medicare e hāʻawi ana i ka ʻinikua olakino. Hiki iā ʻoe ke hoʻohana iā ia e uhi i nā lawelawe o waho. E hoʻomau i ka heluhelu ʻana e aʻo hou aʻe e pili ana i ka ʻāpana B, me nā mea e uhi ai, pehea ke kumukūʻai, a me ka wā hea e kākau inoa ai.

He aha ka Medicare Part B a he aha ka mea e uhi ai?

Me ka ʻāpana A, ʻo ka ʻāpana B ka mea i kapa ʻia ʻo Medicare kumu. Ua koho ʻia ma ka hopena o ka 2016, 67 pākēneka o ka poʻe e hoʻohana ana iā Medicare i kākau inoa ʻia i Medicare kumu.

Māhele ka ʻāpana B i nā ʻano lawelawe like ʻole e pono ai ka lāʻau lapaʻau. Hoʻoholo ʻia kahi lawelawe e pono ai ka lāʻau inā pono ia e hōʻoia pono a mālama paha i kahi kūlana olakino.

ʻO kekahi mau laʻana o nā lawelawe i uhi ʻia e ka ʻāpana B ʻo:

• kaʻa kaʻahua kaʻa kaʻa pilikia
• chemotherapy
• nā pono olakino paʻa e like me nā noho huila, nā mea hele, a me nā pono oxygen
• mālama lumi pilikia
• dialysis kidney
• keʻena hoʻokolohua, e like me nā hoʻokolohua koko a me ka urinalysis
• ʻoihana hana
• nā hoʻokolohua ʻē aʻe, e like me nā hoʻokolohua kiʻi a me nā echocardiograms
• haukapila maʻi a me ka mālama olakino noʻonoʻo
• hoʻōla kino
• transplants

Māhele ka ʻāpana B i kekahi mau lawelawe pale. ʻO nā laʻana me:

• ana ʻiʻo iwi
• nā kānana kanesa e like me kēlā no ka umauma, colorectal, a me nā maʻi ʻaʻai prostate
• nā kānana maʻi maʻi ʻōpū
• loiloi diabetes
• nā kānana no ka maʻi hepitis B, hepatitis C, a me HIV
• hoʻoili kolohe (STI) loiloi
• nā lāʻau āpau no ka maʻi palū, hepatitis B, a me nā maʻi pneumococcal

He aha nā lawelawe i uhi ʻole ʻia e ka ʻāpana B?

Aia kekahi mau lawelawe i uhi ʻole ʻia e ka ʻāpana B. Inā pono ʻoe i kēia mau lawelawe, pono ʻoe e uku no lākou mai ka ʻeke. ʻO kekahi mau laʻana o kēia mau mea:

• ninaninau kino maʻamau
• ka nui o nā lāʻau lapaʻau
• mālama kahua niho, me nā niho ʻino pū kekahi
• ka hapanui o ka ʻike maka, me nā aniani aniani a i ʻole nā ​​aniani kelepona
• mea kōkua lohe
• mālama wā lōʻihi
• ʻoki kino
• nā lawelawe olakino ʻē aʻe e like me ka acupuncture a me ka massage

Inā makemake ʻoe i ka lāʻau e kuhikuhi ai i ka lāʻau, hiki iā ʻoe ke kūʻai i kahi papahana Medicare Part D. Hāʻawi ʻia nā hoʻolālā ʻĀpana D e nā ʻoihana inikua pilikino a hoʻokomo i ka nui o nā lāʻau i kuhikuhi ʻia.

Hoʻohui ʻia, Medicare Part C (Medicare Advantage) hoʻolālā i nā lawelawe āpau i uhi ʻia ma lalo o Medicare kumu a me kekahi mau lawelawe hou e like me nā kahua niho, ʻike, a me nā polokalamu hoʻoikaika kino. Inā ʻike ʻoe e pono pinepine ʻoe i kēia mau lawelawe, e noʻonoʻo i kahi hoʻolālā ʻĀpana C.

ʻO wai ka mea i kūpono no Medicare Part B?

Ma ka ʻōlelo maʻamau, kūpono kēia mau pūʻulu i ka ʻāpana B:

• kēlā mau makahiki 65 a ʻoi
• kanaka me ke kino kīnā
• kanaka me ka hopena pae renal maʻi (ESRD)

Pono ke kanaka e pono no ka ʻApana A manuahi ʻole e āpono ʻia no ka ʻĀpana B ke hiki mua iā lākou ke kākau inoa i Medicare. Ma muli o ka uku pinepine ʻana o ka poʻe i nā ʻauhau Medicare ʻoiai lākou e hana nei, kūpono ka hapa nui o ka poʻe no ka ʻāpana manuahi ʻApana A a hiki nō hoʻi ke kākau inoa i ka ʻāpana B ke koho mua ʻia lākou no Medicare.

Inā pono ʻoe e kūʻai i ka ʻāpana A, hiki iā ʻoe ke kākau inoa i ka ʻāpana B. Eia nō naʻe, pono ʻoe e hoʻokō i nā koi aʻe:

• 65 a ʻoi paha makahiki
• lilo i kamaʻāina o ʻAmelika Hui Pū ʻIa, a i ʻole he kamaʻāina a i ʻole he kamaʻāina kū i ke kānāwai no 5 mau makahiki mau

Ehia nā kumukūʻai Medicare Part B ma 2021?

I kēia manawa e nānā i kēlā me kēia kumukūʻai e pili ana i ka ʻāpana B i 2021.

Uku uku mahina

ʻO kāu uku uku mahina ka mea āu e uku ai i kēlā me kēia mahina no ka ʻāpana B. No 2021, ʻo ka mahele Mahele B maamau o $ 148.50.

ʻO ka poʻe me ka loaʻa kālā makahiki kiʻekiʻe e uku paha i nā uku no kēlā me kēia mahina. Hoʻoholo ʻia kāu loaʻa makahiki makahiki ma muli o kāu hoʻihoʻi ʻauhau mai ʻelua mau makahiki i hala. No laila no 2021, ʻo kēia kou hoʻihoʻi ʻauhau 2019.

Aia kekahi hoʻopaʻi no ke kākau inoa lohi e hiki ai ke hoʻololi i kāu uku hapa B. E uku ʻoe i kēia inā ʻaʻole ʻoe i kākau inoa i ka ʻāpana B i kou wā i koho mua ʻia ai.

Ke pono ʻoe e uku i ka hoʻopaʻi o ke kākau inoa lohi, hiki i kāu uku mahina ke hoʻonui i 10 pakeneka o ka uku maʻamau no kēlā me kēia 12 mau mahina i hiki ai iā ʻoe ke komo no ka ʻāpana B akā ʻaʻole ʻoe i kākau inoa. E uku ʻoe i kēia inā kau inoa ʻoe i ka ʻāpana B.

Hoʻolālā

A deductible ka mea āu e pono ai e uku ma waho o ka ʻeke ma mua o ka hoʻomaka ʻana o ka ʻāpana B e uhi i nā lawelawe. No 2021, hiki ke unuhi ʻia no ka ʻāpana B $ 203.

Coinsurance

ʻO Coinsurance ka pākēneka o ke kumukūʻai o kahi lawelawe āu e uku ai mai ka ʻeke ma hope o ka hālāwai ʻana me kāu deductible. ʻO kēia ka 20 pakeneka maʻamau no ka ʻāpana B.

Copay

ʻO kahi copay kahi hoʻonohonoho i uku ʻia e ʻoe no kahi lawelawe. ʻAʻole pili pinepine nā Copays me ka ʻāpana B. Eia nō naʻe, aia kekahi mau hihia kahi e pono ai ʻoe e uku i hoʻokahi. ʻO kahi laʻana inā ʻoe e hoʻohana i nā lawelawe o waho.

ʻO nā mea nui i waho o ka ʻeke

ʻO ka palena palena o ka ʻeke he palena no ka nui āu e uku ai mai ka ʻeke no nā lawelawe uhi ʻia i ka makahiki. ʻAʻohe o ka Medicare Original i kahi i waho o ka ʻeke.

Āhea wau e kākau inoa ai i ka Medicare Part B?

Hoʻokomo inoa ʻia kekahi poʻe i Medicare kumu a ʻo kekahi e pono e kau inoa. E ʻimi hou aʻe i kēia.

ʻO wai e kau inoa inoa ʻia?

ʻO nā hui i kau inoa inoa ʻia i Medicare kumu:

• ka poʻe e hoʻohuli nei i ka makahiki 65 a ke loaʻa nei nā pōmaikaʻi līkaia mai ka Social Security Administration (SSA) a i ʻole ʻo ka Railroad Retensions Board (RRB)
• nā kānaka ma lalo o ka makahiki 65 me ke kino kīnā e loaʻa ana nā pōmaikaʻi kīnā mai ka SSA a i ʻole RRB no 24 mau mahina
• nā kānaka me ka amyotrophic lateral sclerosis (ALS) e loaʻa nei nā pōmaikaʻi kīnā

He mea nui e hoʻomaopopo ʻoiai ʻoe e kau inoa inoa ʻia, ʻāpana B he manawaleʻa. Hiki iā ʻoe ke koho e hoʻolohi i ka ʻāpana B inā makemake ʻoe. ʻO kahi kūlana kahi e kū ai kēia inā ua uhi ʻia ʻoe e kahi hoʻolālā ʻē aʻe ma o ka hana a wahine paha.

ʻO wai ka mea pono e kau inoa?

E hoʻomanaʻo ʻaʻole kēlā me kēia e kūpono i ke kumu lāʻau Medicare. Pono kekahi e kau inoa ma o ka keʻena SSA:

• ʻO ka poʻe i piha i ka makahiki 65 a loaʻa ʻole i kēia manawa nā pōmaikaʻi hoʻomaha mai ka SSA a i ʻole RRB hiki ke kau inoa e hoʻomaka ana i 3 mau mahina ma mua o ko lākou huli ʻana i ka makahiki 65.
• Hiki i nā poʻe me ESRD ke kau inoa i kēlā me kēia manawa - ke loli paha kāu uhi ʻana.

Āhea wau e noi ai?

• Wā kākau inoa mua. He puka aniani 7 kēia a puni kou lā hānau 65th ke hiki iā ʻoe ke kau inoa no Medicare. Hoʻomaka ia i 3 mau mahina ma mua o kou malama hānau, komo pū ka mahina o kou lā hānau, a hoʻolōʻihi ʻia i 3 mau mahina ma hope o kou lā hānau. I kēia manawa, hiki iā ʻoe ke kākau inoa no nā ʻāpana āpau o Medicare me ka ʻole o ka hoʻopaʻi.
• Wehe inoa kau (ʻOkakopa 15 – Kekemapa 7). I kēia manawa, hiki iā ʻoe ke hoʻololi mai Medicare kumu (ʻāpana A a me B) i ka ʻĀpana C (Medicare Advantage), a i ʻole mai ka ʻĀpana C hoʻi i Medicare kumu. Hiki iā ʻoe ke hoʻololi i nā hoʻolālā ʻĀpana C a hoʻohui paha, wehe, a hoʻololi paha i kahi hoʻolālā ʻĀpana D.
• Wā kākau inoa nui (Ianuali 1 – Malaki 31). Hiki iā ʻoe ke kau inoa ma Medicare i kēia manawa inā ʻaʻole ʻoe i kākau inoa i kāu kau inoa mua.
  • Wā kākau inoa kūikawā. Inā hoʻolohi ʻoe i ke kākau inoa ʻana Medicare no kahi kumu i ʻae ʻia, hiki iā ʻoe ke kākau inoa ma hope i kahi wā kākau inoa kūikawā. Loaʻa iā ʻoe he 8 mau mahina mai ka hopena o kāu uhi a i ʻole ka hopena o kāu hana e kau inoa me ka ʻole o ka hoʻopaʻi.

ʻO ka lawe lawe ʻana

ʻO Medicare ʻĀpana B ka ʻāpana o Medicare e uhi ana i nā lawelawe o waho. Uhi pū kekahi i nā lawelawe pale. He ʻāpana ia o Medicare kumu

ʻO nā kānaka he 65 a ʻoi paha ko lākou mau makahiki, he kīnā ko lākou, a i ʻole ESRD kūpono no ka ʻāpana B. ʻO nā kumukūʻai o ka ʻāpana B me nā uku o kēlā me kēia mahina, kahi e unuhi ʻia, a me ke kālā a me ka copay paha. ʻAʻole uhi ʻia kekahi mau lawelawe e ka ʻāpana B a pono e uku ʻia mai loko mai o ka ʻeke.

Hoʻokomo inoa ʻia ka poʻe he nui i ka Medicare kumu. Pono e kau inoa kekahi ma o ka SSA. No kēia mau kānaka, he mea nui e nānā i nā lā palena palena inoa.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 16, 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.