He aha nā ʻāpana ʻo Medicare Part B ʻoi aku ka nui?

Anter

• He aha ka Medicare Part B?
• He aha nā koina ʻo Medicare Part B?
• Pehea e hōʻalo ai i ka Medicare Part B o nā koina keu
• Uku anei ʻo Medigap no Medicare Part B i nā koina i ʻoi aʻe?
• ʻO ka lawe lawe ʻana

• Hiki i nā kauka i ʻae ʻole i ka hana Medicare ke kauoha iā ʻoe a 15 pakeneka i ʻoi aku ma mua o ka makemake o Medicare e uku. ʻIke ʻia kēia nui ma ke ʻano he ʻoi aku Medicare Part B.
• ʻO ʻoe ke kuleana no Medicare Part B ʻoi aku ka nui o nā uku i hoʻohui ʻia me ka 20 pākēneka o ka Medicare-ʻāpono kālā āu e uku ai no kahi lawelawe.
• ʻAʻole helu ʻia ka uku ʻoi aku i ka ʻāpana B i kāu hapa makahiki B i hōʻemi ʻia.
• Hoʻolālā ʻo Medigap Plan F a me Medigap Plan G i ka Medicare Māhele B i nā koina i ʻoi aku.

I mea e ʻike ai i ka uku ʻoi aku i ka ʻāpana B, pono ʻoe e hoʻomaopopo mua i ka hāʻawi Medicare. ʻO ka hāʻawi Medicare ke kumukūʻai a Medicare i ʻae ai no kahi lawelawe olakino. ʻAe nā mea hoʻolako i ʻae ʻia e Medicare i ka hāʻawi Medicare.

ʻO ka poʻe i ʻae ʻole i ka hana Medicare hiki ke uku ʻia ma mua o ka nui i ʻae ʻia e Medicare no nā lawelawe olakino. ʻO nā kumukūʻai ma luna aʻe o ka nui i ʻae ʻia e Medicare i ʻike ʻia ma ke ʻano he ʻoi aku ka uku ʻo B.

ʻOiai ʻo ka ʻāpana B ʻoi aku ka nui o nā uku hiki ke hōʻemi i ke kumukūʻai iā ʻoe me ka nui, hiki iā ʻoe ke hōʻalo iā lākou.

He aha ka Medicare Part B?

ʻO Medicare Māhele B ka ʻāpana o Medicare e uhi ana i nā lawelawe o waho, e like me ke kipa ʻana a me ka mālama pale ʻana. ʻO Medicare Part A a ʻo Medicare Part B nā ʻāpana ʻelua i hana i ka Medicare kumu.

ʻO kekahi o nā lawelawe ʻo ka ʻāpana B e uhi ana:

• lāʻau hoʻomaʻi flu
• kanalā a me nā kānana diabetes
• lumi lawelawe pilikia
• mālama ola noʻonoʻo
• nā lawelawe kaʻa kaʻahua
• hoʻokolohua hoʻokolohua

He aha nā koina ʻo Medicare Part B?

ʻAʻole ʻae nā loea lapaʻau āpau i ka hāʻawi Medicare. Ua ʻae nā kauka e ʻae i ka hana e ʻae i ka huina i ʻae ʻia e Medicare e like me kā lākou uku piha.

ʻO ke kauka i ʻae ʻole i ka hana e koi paha iā ʻoe a 15 pakeneka ma mua o ka Medicare-ʻāpono kālā. ʻIke ʻia kēia overage ma ke ʻano he ʻoi aku ka uku ʻo B.

Ke ʻike ʻoe i kahi kauka, mea hoʻolako, a mea lawelawe paha e ʻae i ka hana, hiki iā ʻoe ke hōʻoia e uku ʻia ʻoe i ka nui i ʻae ʻia e Medicare. ʻO kēia mau kauka i ʻae ʻia e Medicare e hoʻouna i ka bila no kā lākou lawelawe iā Medicare, ma mua o ka hāʻawi ʻana iā ʻoe. Uku ʻo Medicare i ka 80 pākēneka, a laila loaʻa iā ʻoe kahi pila no ke koena 20 pākēneka.

Hiki i nā kauka ʻaʻole i ʻae ʻia e Medicare ke noi iā ʻoe no ka uku piha i mua. E kuleana ʻoe no ka uku ʻia ʻana e Medicare no 80 pakeneka o ka Medicare i ʻāpono ʻia o kāu bila.

O kahi laʻana:

• ʻAe kāu kauka i ka hana. ʻO kāu loio maʻamau e ʻae iā Medicare e uku paha iā $ 300 no kahi hōʻike ma ka keʻena. E hoʻouna pololei kāu kauka i Medicare, ma mua o ke noi ʻana iā ʻoe e uku i ka nui āpau. E uku ʻo Medicare i ka 80 pākēneka o ka pila ($ 240). E hoʻouna kāu kauka iā ʻoe i kahi bila no 20 pākēneka ($ 60). No laila, $ 60 kāu huina kālā āpau.
• ʻAʻole ʻae kāu kauka i kau hana. Inā ʻoe e hele i kahi kauka i ʻae ʻole i ka hana Medicare, e uku lākou iā ʻoe i $ 345 no ka hōʻike ma ka keʻena like. ʻO ka $ 45 keu he 15 pākēneka ma mua o ka uku a kāu kauka maʻamau; ʻo kēia nui ka ʻāpana B ʻoi aku ka uku. Ma kahi o ka hoʻouna pololei ʻana i ka bila i Medicare, e noi ke kauka iā ʻoe e uku i ka huina kālā ma mua. Aia iā ʻoe e faila i kahi hoʻopiʻi me Medicare no ka uku hou ʻana.ʻO kēlā uku kālā e like ia me 80 pākēneka wale nō o ka Medicare i ʻae ʻia ($ 240). I kēia hihia, ʻo kāu huina kālā ma waho o ka ʻeke he $ 105.

ʻAʻole helu ʻia nā uku ʻoi aku i ka ʻĀpana B i ka lawe ʻia o kāu ʻĀpana B.

Pehea e hōʻalo ai i ka Medicare Part B o nā koina keu

Mai manaʻo ʻoe e ʻae ke kauka, mea hoʻolako, a mea lawelawe paha iā Medicare. Ma kahi o, e nīnau mau inā ʻae lākou i ka hana ma mua o kāu puke ʻana i kahi koho a lawelawe paha. He mea pono ke nānā pono, ʻoiai me nā kauka āu i ʻike ai ma mua.

Ua hala kekahi mau mokuʻāina i nā kānāwai i pāpā ʻole i nā kauka e hoʻopiʻi iā Medicare Part B i nā koina i ʻoi aʻe. ʻO kēia mau mokuʻāina ʻo:

• Konekiki
• Masekuseta
• ʻO Minnesota
• Nuioka
• Ohio
• Pennsylvania
• Mokupuni ʻo Rhode
• Vermont

Inā ʻoe e noho i kekahi o kēia mau mokuʻāina ʻewalu, ʻaʻole pono ʻoe e hopohopo no ka ʻāpana ʻoi loa o ka ʻāpana B ke ʻike ʻoe i ke kauka i kou mokuʻāina. Hiki iā ʻoe ke uku ʻia i ka ʻāpana ʻoi aku ka nui o nā uku inā loaʻa iā ʻoe ka mālama olakino mai kahi mea hoʻolako ma waho o kāu mokuʻāina e ʻae ʻole i ka hana.

Uku anei ʻo Medigap no Medicare Part B i nā koina i ʻoi aʻe?

ʻO Medigap kahi ʻinikua hoʻohui e hoihoi paha ʻoe i ke kūʻai ʻana inā loaʻa iā ʻoe Medicare kumu. Kōkua nā kulekele Medigap i ka uku ʻana no nā hakahaka i waiho ʻia ma Medicare kumu. Hoʻopili kēia mau kumukūʻai i nā deductibles, copayments, a me coinsurance.

ʻO nā hoʻolālā Medigap ʻelua e uhi ana i ka ʻāpana ʻoi aku ka nui o nā uku B:

• Hoʻolālā Medigap F. ʻAʻole i loaʻa hou ʻo Plan F i nā mea loaʻa iā Medicare hou loa. Inā ua kūpono ʻoe no Medicare ma mua o Ianuali 1, 2020, kūʻai paha ʻoe iā Plan F. Inā he Plan F kāu i kēia manawa, hiki iā ʻoe ke mālama iā ia.
• Hoʻolālā Medigap G. ʻO Plan G kahi hoʻolālā komo loa e uhi ana i nā mea he nui ʻole a Medicare kumu. E like me nā hoʻolālā Medigap āpau, uku ia i kēlā me kēia uku no kēlā me kēia mahina ma ka hoʻohui o kāu uku ʻāpana B.

ʻO ka lawe lawe ʻana

• Inā ʻaʻole ʻae kāu kauka, mea hoʻolako, a mea lawelawe paha iā Medicare, hiki iā lākou ke hoʻokau iā ʻoe a ʻoi aku i ka nui o ka Medicare i ʻae ʻia o kāu lawelawe olakino. Kuhi ʻia kēia overage ma ke ʻano he ʻoi aku ka uku ʻo B.
• Hiki iā ʻoe ke hōʻalo i ka uku ʻana i nā ʻāpana ʻoi loa aku o ka ʻāpana B ma o ka ʻike ʻana i nā mea hāʻawi ʻae ʻia Medicare.
• Hoʻolālā ʻo Medigap Plan F a me Medigap Plan G i ka ʻāpana B i nā koina i ʻoi aku. Akā pono paha ʻoe e uku i kāu kauka lapaʻau i mua a kali no ka uku ʻana.