Ka hoʻomaopopo ʻana iā Medicare ʻĀpana B Pono

Anter

• He aha nā koi e pono ai no Medicare Part B?
• He 65 kou mau makahiki
• He kīnā kou
• Loaʻa iā ʻoe ʻo ESRD a i ʻole ALS
• He aha ka uhi a Medicare Part B?
• Aia kekahi mau koho ʻē aʻe no ka uhi like ʻana?
• Mahele Medicare C
• Mahele Medicare D
• Medigap
• ʻO ka lawe lawe ʻana

Inā ʻoe e ʻimi nei e kākau inoa i ka Medicare i kēia makahiki, he mea nui e hoʻomaopopo i nā koina Medicare Part B e pono ai.

Ua koho koho ʻia ʻoe e kākau inoa i ka Medicare Part B ke piha iā ʻoe i 65 mau makahiki. Ua kūpono hoʻi ʻoe e kākau inoa ma lalo o nā kūlana kūikawā, e like me inā he kuhi kou no ke kīnā a i ʻole ka hopena hōʻino hope loa (ESRD).

Ma kēia ʻatikala, e ʻimi mākou i ka mea i kūpono no Medicare Part B, pehea e kākau inoa ai, a me nā lā palena nui Medicare e nānā ai.

He aha nā koi e pono ai no Medicare Part B?

ʻO Medicare ʻĀpana B kahi ʻinikua olakino olakino i loaʻa i nā poʻe ma ʻAmelika Hui Pū ʻIa ke hiki lākou i ka makahiki 65.Eia nō naʻe, aia kekahi mau kūlana kūikawā i hiki ai iā ʻoe ke kūpono e kākau inoa i ka Medicare Part B ma mua o ka makahiki 65.

Ma lalo, e ʻike ʻoe i nā koi kūpono no ke kākau inoa ʻana ma Medicare Part B.

He 65 kou mau makahiki

Kūpono wale ʻoe no Medicare Part B ke hoʻololi iā ʻoe i 65 mau makahiki. ʻOiai pono ʻoe e kali e hoʻohana i kāu mau pono a hiki i kou lā hānau 65th, hiki iā ʻoe ke kākau inoa:

• 3 mau mahina ma mua o kou piha makahiki 65
• i kou lā hānau 65th
• 3 mau mahina ma hope o kou lā hānau 65th

He kīnā kou

Inā loaʻa ʻoe ke kīnā a loaʻa nā uku kīnā ʻole, hiki iā ʻoe ke kākau inoa i ka Medicare Part B ʻoiai ʻaʻole ʻoe he 65 mau makahiki. Wahi a ka Social Security Administration, hiki i nā hemahema ke komo i loko:

• nā maʻi sensory
• nā maʻi maʻi o ka maʻi ʻaʻai a me ke koko
• nā maʻi ʻōnaehana digestive
• nā maʻi neurological
• nā maʻi noʻonoʻo

Loaʻa iā ʻoe ʻo ESRD a i ʻole ALS

Inā ua hāʻawi ʻia ʻoe i kahi maʻi o ESRD a i ʻole amyotrophic lateral sclerosis, ua kūpono ʻoe e kākau inoa i ka Medicare Part B ʻoiai ʻaʻole ʻoe i piha i ka makahiki 65.

He aha ka uhi a Medicare Part B?

Uhi ka Medicare ʻĀpana B i ka hōʻailona o waho, ka mālama ʻana, a me ka pale ʻana i nā kūlana olakino.

Hoʻopili kēia i nā kipa ʻana i ka lumi pilikia, a me nā lawelawe mālama ola pale e like me nā kipa ʻana a ke kauka, nā loiloi a me nā diaganostic test, a me kekahi mau lāʻau lapaʻau.

Aia kekahi mau koho ʻē aʻe no ka uhi like ʻana?

ʻO Medicare Part B kahi koho i loaʻa i nā mea kōkua Medicare. Eia nō naʻe, ʻo ka uhi ʻoi loa no ʻoe e kaukaʻi ʻia i kāu kūlana olakino pilikino.

Nā koho ʻē aʻe e hiki ke hoʻohana ma kahi o a i ʻole me ka Medicare Part B e hoʻopili ʻia:

• Mahele Medicare C
• Mahele Medicare D
• Medigap

Mahele Medicare C

ʻO Medicare Part C, i kapa ʻia ʻo Medicare Advantage, kahi koho i hāʻawi ʻia e nā ʻoihana inikua pilikino no nā mea kōkua Medicare.

ua loaʻa iā Medicare Advantage kahi koho Medicare i makemake nui ʻia, me kahi kokoke i ka hapakolu o nā mea kōkua e koho ana i kahi hoʻolālā Advantage ma mua o Medicare kuʻuna.

No ke kākau inoa ʻana ma Medicare Part C, pono ʻoe e kākau inoa ʻia i nā ʻāpana A a me B.

Ma lalo o kahi hoʻolālā Medicare Advantage, e uhi ʻia ʻoe no:

• lawelawe haukapila
• nā lawelawe lapaʻau
• lāʻau lapaʻau
• nā lawelawe niho, hihiʻo, a me ka hoʻolohe ʻana
• nā lawelawe hou aku, e like me nā lālā hoʻoikaika kino

Inā loaʻa iā ʻoe kahi hoʻolālā Medicare Part C, lawe ia i kahi o Medicare kumu.

Mahele Medicare D

He lāʻau hoʻohui lāʻau Medicare Part D no kekahi mea i kākau inoa ʻia i Medicare kumu.

Inā hoihoi ʻoe i ke kākau inoa ʻana i ka ʻāpana D uhi, makemake ʻoe e hōʻoia e hana i ka wā hiki loa. Inā ʻaʻole ʻoe e kākau inoa i kēlā me kēia ʻāpana C, ʻĀpana D, a i ʻole ka hoʻopili lāʻau like i loko o 63 mau lā o kou kau inoa mua ʻana, e kū ana ʻoe i ka hoʻopaʻi paʻa.

Inā ʻoe i kākau inoa i kahi papahana C ʻāpana, ʻaʻole ʻoe e pono iā Medicare Part D.

Medigap

ʻO Medigap kahi koho hou aʻe na kēlā me kēia mea i kākau inoa ʻia i Medicare mua. Hoʻolālā ʻia ʻo Medigap e kōkua i ka uhi ʻana i kekahi mau koina e pili ana iā Medicare, e like me nā uku, deductibles, a me nā copay.

Inā ua kau inoa ʻoe i kahi papahana ʻĀpana C, ʻaʻole hiki iā ʻoe ke kākau inoa i ka uhi Medigap.

He mea nui loa ʻaʻole e haʻalele i nā lā palena palena Medicare, no ka mea he mea kēia e kū ai iā ʻoe i mua o nā hoʻopaʻi a me nā hemahema i kou uhi ʻana. Eia nā lā palena palena ʻo Medicare e nānā pono ai:

• Ke kākau inoa kumu. Hiki iā ʻoe ke kākau inoa i ka Medicare Part B (a me ka ʻāpana A) 3 mau mahina ma mua, ka mahina o, a me 3 mau mahina ma hope o kou lā hānau 65th.
• Hoʻokomo inoa Medigap. Hiki iā ʻoe ke kākau inoa i loko o kahi kulekele Medigap supplemental a i 6 mau mahina ma hope o kou piha ʻana i 65 mau makahiki.
• Kakau inoa inoa hope. Hiki iā ʻoe ke kākau inoa i kahi hoʻolālā Medicare a i ʻole Medicare Advantage plan mai Ianuali 1 – Malaki 31 inā ʻaʻole ʻoe i kau inoa i kou wā i kūpono mua ai.
• ʻO Medicare Māhele D ke kākau inoa. Hiki iā ʻoe ke kākau inoa i kahi papahana ʻĀpana D mai ʻApelila 1 – Iune 30 inā ʻaʻole ʻoe i kau inoa i kou wā i koho mua ʻia ai.
• Hoʻolālā hoʻololi i ke kākau inoa. Hiki iā ʻoe ke kākau inoa, haʻalele i waho, a hoʻololi paha i kāu ʻāpana C a ʻāpana D hoʻolālā mai ʻOkakopa 15 – Kekemapa 7, i ka wā o ke kākau inoa hamama.
• Kakau inoa kūikawā. Ma lalo o nā kūlana kūikawā, hiki iā ʻoe ke kūpono no kahi wā kākau inoa kūikawā o 8 mau mahina.

ʻO ka lawe lawe ʻana

Hoʻomaka ka pono ʻo Medicare Part B no ka hapa nui o ka poʻe ʻAmelika i ka makahiki 65. ʻO nā palapala kūikawā, e like me ke kīnā a me kekahi mau ʻano olakino, hiki iā ʻoe ke kākau inoa mua i ka ʻāpana B.

Inā makemake ʻoe i kahi uhi hou aʻe ma mua o ka hāʻawi ʻana o ka ʻĀpana B, nā koho ʻē aʻe e pili ana me ka ʻĀpana C, ʻĀpana D, a me Medigap.

Inā hoihoi ʻoe i ke kākau inoa ʻana i ka laulā Medicare o kēlā me kēia ʻano, e nānā pono i nā lā palena palena inoa a kipa i ka pūnaewele Social Security e hoʻomaka.

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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