He aha kāu e ʻike ai e pili ana i ka Medicare Part C

Anter

• He aha ka Medicare Part C?
• Pono ʻoe i Medicare Part C?
• Ua kūpono ʻoe i Medicare Part C?
• He aha nā hoʻolālā Medicare Part C i loaʻa?
• Nā hoʻolālā Medicare Advantage HMO
• Nā papahana Medicare Advantage PPO
• Ehia nā kumukūʻai o Medicare Part C?
• Inā ʻaʻole ʻoe e pono iā Medicare Part C
• ʻO ka lawe lawe ʻana

He aha ka Medicare Part C?

ʻO Medicare Part C, i kapa ʻia ʻo Medicare Advantage, kahi koho ʻinikua hou aʻe no nā poʻe me Medicare Original.

Me Medicare kumu, uhi ʻia ʻoe no ka ʻāpana A (haukapila) a me ka ʻāpana B (kauka).

Hāʻawi ʻo Medicare Part C i ka uhi ʻana no nā ʻāpana A a me B a me nā lawelawe hou aku, e like me nā lāʻau lapaʻau, nā niho, nā ʻike, a me nā mea hou aʻe.

Ma kēia ʻatikala, e ʻimi mākou i ka mea a Medicare Part C e hāʻawi ai, pehea ke kumukūʻai, a pehea e koho ai i kahi hoʻolālā maikaʻi loa no kāu kūlana.

Pono ʻoe i Medicare Part C?

ʻO Medicare ʻĀpana C ka uhi ʻoi aku ka uhi Medicare i hāʻawi ʻia e nā ʻoihana ʻinikua pilikino. Me kēia hoʻolālā, hiki iā ʻoe ke loaʻa ka uhi no nā lāʻau lapaʻau, nā lawelawe kahua niho a me nā hihi, a me nā lawelawe e pili ana i ke olakino.

Me nā pono Medicare Part C pono, e uhi ʻoe no kēia mau mea:

• nā lawelawe ʻo ka haukapila, ka mālama pono ʻana i nā wahi kahu hānai, ka mālama olakino home, a me ka mālama maʻi
• nā lawelawe olakino e pili ana i ka pale ʻana, ka ʻike, a me ka mālama ʻana i nā kūlana
• nā lawelawe olakino noʻonoʻo
• lāʻau lāʻau lāʻau kuhikuhi
• nā lawelawe niho, hihiʻo, a me ka hoʻolohe ʻana
• nā lawelawe olakino koho, e like me nā lālā hoʻoikaika kino

Inā makemake ʻoe i nā mea hou aku ma mua wale o ka haukapila maʻamau a me ka inikua olakino, Medicare Part C kahi koho paʻa pono.

Ua kūpono ʻoe i Medicare Part C?

Kuhi ʻoe no Medicare Part C inā loaʻa iā ʻoe nā ʻaoʻao Medicare A a me B, a inā ʻoe e noho i ka wahi lawelawe o ka mea hāʻawi Medicare Part C āu e noʻonoʻo nei.

I ka makahiki 2021, hiki i ka poʻe me ka maʻi hōʻino pae hope loa (ESRD) ke komo inoa i kahi ākea ākea o nā hoʻolālā Medicare Advantage ma muli o ke kānāwai i hoʻoholo ʻia e ka ʻAhaʻōlelo. Ma mua o kēia kānāwai, ʻaʻole ʻae ka hapanui o nā hoʻolālā iā ʻoe a i kaupalena ʻia iā ʻoe i kahi Hoʻolālā Pono Pono (SNP) inā loaʻa iā ʻoe kahi hōʻailona o ESRD.

• ʻO ka hoʻokomo inoa ʻana i Medicare he maʻalahi ka manawa a pono e hoʻomaka ma kahi o 3 mau mahina ma mua o kou huli ʻana i ka makahiki 65. Hiki iā ʻoe ke noi no Medicare i ka mahina e huli iā 65 a me nā mahina 3 ma hope o kāu 65^ʻ. lā hānau - ʻoiai e hoʻopaneʻe ʻia kāu uhi ʻana.
• Inā haʻalele ʻoe i ka wā kau inoa mua, holo ka inoa inoa wehe mai ʻOkakopa 15 a hiki i Kēkēmapa 7 i kēlā me kēia makahiki.
• Hiki iā ʻoe ke kau inoa no ka Medicare ma o ka pūnaewele ma o ka Pūnaewele Pilikino Pilikino.
• Hiki iā ʻoe ke hoʻohālikelike a kūʻai aku no nā hoʻolālā Medicare Part C ma ka pūnaewele ma o ka mea hana ʻimi a ka Medicare.

He aha nā hoʻolālā Medicare Part C i loaʻa?

ʻO ke ala maʻalahi e ʻike ai i nā hoʻolālā Medicare Part C e loaʻa ai e hoʻohana i ka mea hana Medicare:

E lawe ka ʻōnaehana i kāu mau pane i kekahi mau nīnau a hoʻohaʻahaʻa i nā ʻoihana e hāʻawi nei i nā hoʻolālā Medicare Part C e kūpono i kāu mau pono. He mea kōkua kēia mea hana Medicare no ka hoʻohālikelike ʻana i nā hoʻolālā i kou wahi.

Inā loaʻa mua iā ʻoe ka uhi ʻana ma o kahi ʻoihana ʻinikua nui, hāʻawi paha ia i nā hoʻolālā Medicare Part C. ʻO kekahi o nā ʻoihana ʻinikua nui e hāʻawi iā Medicare Part C ʻo:

• ʻAetna
• Pale Paʻa polū polū
• ʻO Cigna
• Nā hoa hana olakino
• Kaiser Permanente
• KohoKalolo
• ʻO UnitedHealthcare
• UPMC

Nā hoʻolālā Medicare Advantage HMO

He koho nui ka hoʻolālā ʻo Health Maintenance Organisation (HMO) no ka poʻe e makemake ana i kahi uhi hou ʻaʻole i hāʻawi ʻia e Medicare kumu. I loko o kahi Medicare Advantage HMO hoʻolālā, hiki iā ʻoe ke mālama i ka mālama mai nā mea lawelawe olakino i loko o ka pūnaewele, akā pono ʻoe e kiʻi i kahi mea nāna e ʻike i kahi loea.

Nui nā koho no ka Medicare Advantage HMO hoʻolālā i kēlā me kēia mokuʻāina, me nā hoʻolālā me $ 0 premiums, ʻaʻohe deductibles, a me nā copayment haʻahaʻa. No ke kākau inoa ʻana i kahi hoʻolālā Medicare Advantage HMO, pono ʻoe e kākau inoa ʻia i ka Medicare kumu.

Nā papahana Medicare Advantage PPO

ʻO nā ʻoihana Hoʻolaha ʻoi aku makemake ʻia (PPO) nā koho hoʻolālā olakino e makemake nui ʻia no ka hoʻopili hou ʻana. ʻAe kēia ʻano hoʻolālā i kahi kiʻekiʻe o ke kūʻokoʻa no nā mea kūʻai mai.

Me kahi hoʻolālā PPO, hiki iā ʻoe ke hele i kāu kauka i makemake nui ʻia, nā loea, a me nā wahi lawelawe olakino, inā ʻaʻole paha lākou i ka pūnaewele o kāu hoʻolālā. Eia nō naʻe, uku nā hoʻolālā PPO i nā helu ʻokoʻa e pili ana i ka papa inoa o nā mea hāʻawi pūnaewele a i ʻole nā ​​ʻoihana pūnaewele.

He kūpono nō hoʻi nā PPO no ka mea ʻaʻole pono ʻoe i kahi mea i hoʻouna ʻia e ʻike ai i ka loea.

Ehia nā kumukūʻai o Medicare Part C?

Aia nā ʻano like ʻole o ke kumukūʻai me ka hoʻolālā Medicare Part C, ʻo ia hoʻi ka ʻokoʻa o kāu kumukūʻai ma waho o ka ʻeke.

E uhi kekahi o nā papahana Medicare Part C i kahi ʻāpana o kāu mahele B mahina. Eia nō naʻe, loaʻa i kekahi o kēia mau hoʻolālā kā lākou uku ponoʻī a lawe ʻia.

Ma waho aʻe o kēia mau kumukūʻai, ʻaiʻē paha ʻoe i kahi copayment i ka manawa e loaʻa ai nā lawelawe.

Nā kumu ʻē aʻe e hāʻawi i ka nui o kāu hoʻolālā Medicare Part C e uku ai iā ʻoe:

• ke ʻano o ke hoʻolālā āu e koho ai, e like me kahi HMO, PPO, PFFS, SNP, a MSA paha
• kāu loaʻa kālā, hiki ke hoʻohana ʻia e hoʻoholo ai i kāu uku a hōʻemi ʻia paha ka nui
• kou pākēneka o nā koina
• ehia mau manawa e pono ai ʻoe i nā lawelawe lapaʻau
• inā ʻoe e loaʻa i nā lawelawe lapaʻau i ka pūnaewele a i ʻole ma waho o ka pūnaewele
• inā loaʻa iā ʻoe nā kōkua kālā ʻē aʻe, e like me Medicaid

Nui nā mea maikaʻi o ka loaʻa ʻana o Medicare Part C, me kahi pāpale o ka makahiki i ka nui āu e uku ai mai ka ʻeke. Eia nō naʻe, hiki i kēlā mau kumukūʻai mua ke hoʻonui i ka manawa ma mua o kou pā ʻana i kēlā pāpale, no laila he mea nui e noʻonoʻo i nā kumu āpau i ke koho ʻana i kāu papahana Medicare Part C.

Inā ʻaʻole ʻoe e pono iā Medicare Part C

Inā hauʻoli ʻoe i kāu uhi Medicare o kēia manawa a hoihoi wale ʻoe i ka loaʻa ʻana o ka lāʻau lapaʻau lāʻau lapaʻau, ʻo kahi hoʻolālā Medicare Part D kū hoʻokahi ka koho ʻoi loa.

Inā loaʻa iā ʻoe kahi uhi Medicare akā pono wale ʻoe i ke kōkua hou me nā koina, pono paha kahi kulekele ʻinikua Medicare (Medigap) e pono ai.

No kekahi poʻe, he uku hou ka Medicare Part C i hiki ʻole iā lākou ke kūʻai aku - i kēia hihia, ke kūʻai hele ʻana a puni ka ʻāpana D a me Medigap uhi e kōkua i ka mālama kālā.

Ke kōkua nei i kahi lālā o ka ʻohana a i ʻole hoa aloha e koho i kahi hoʻolālā Medicare Part C hiki ke lilo i kahi hana hohonu, akā ʻaʻole ia e paʻakikī. Eia kekahi mau mea e noʻonoʻo ai i ka loiloi ʻana i nā hoʻolālā.

• Ke ʻano o ka uhi. Inā hoihoi kou ʻohana i nā koho uhi e hōʻike ʻole nā ​​ʻāpana A a me B, e hoʻāʻo e ʻike i kahi hoʻolālā e uhi ana i nā ʻāpana āpau i mea nui iā lākou.
• Ke ʻano o ka hoʻolālā. ʻO ke koho ʻana i ke ʻano pono o ka papahana Medicare Part C ma muli o kā lākou makemake pilikino. Pono e noʻonoʻo ʻia nā hoʻolālā hoʻolālā HMO, PPO, PFFS, SNP a me MSA.
• Nā kumu kūʻai o waho o ka ʻeke. Hiki i ka loaʻa kālā haʻahaʻa ke paʻakikī i ka hālāwai ʻana me ka uku Medicare Part C, lawe ʻia, a me nā koina waho-ʻeke. E hoʻāʻo e kūʻai a puni no nā uku i hiki iā lākou ke uku.
• Kūlana olakino. He kūlana olakino kū hoʻokahi kēlā me kēia kanaka e noʻonoʻo ai ke kūʻai aku nei no ka uhi Medicare. E noʻonoʻo i nā mea e like me nā kūlana olakino, ka huakaʻi pinepine, a me nā makemake ʻoihana.
• Nā kumu ʻē aʻe. Loaʻa ma kahi o 800,000 nā mea kōkua i loaʻa nā mea e like me ka mahele o ka hui a me ka helu ʻana i nā hōkū i ka wā e koho ana i kahi hoʻolālā Medicare Part C.

ʻO ka lawe lawe ʻana

• ʻO nā hoʻolālā Medicare Part C, i ʻike ʻia ʻo Medicare Advantage plan, he mau ʻinikua koho koho e hāʻawi i nā keu pono o nā kumu Medicare a me nā mea hou aʻe.
• He koho maikaʻi loa ʻo Medicare Part C no ka poʻe makemake i ka uhi ʻana no nā lāʻau lapaʻau, nā ʻike a me nā lawelawe niho, a me nā mea hou aʻe.
• ʻO ke kumukūʻai o kahi hoʻolālā C ʻāpana pili i nā ʻano like ʻole, e like me nā kumukūʻai o ka mahina a me ka makahiki, nā uku, a me kāu mau pono lapaʻau.
• E kipa iā Medicare.gov e ʻike i kahi hoʻolālā Medicare Part C e kūpono ana iā ʻoe.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 13, 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.

E heluhelu i kēia ʻatikala ma ka Paniolo