ʻO nā mea a pau e pili ana i ka Plan Supplement Medicare M

Anter

• He aha ka uhi M Medicare kumukanawai M?
• He aha ka hoʻokaʻawale kālā a pehea e hana ai?
• Nā kumu kūʻai waho ʻē aʻe
• Uku
• Ua kūpono wau e kūʻai i ka Plan Supplement Medicare?
• Ke kākau inoa nei i ka Plan Supplement Medicare M
• ʻO ka lawe lawe ʻana

ʻO ka Medicare Supplement Plan M (Medigap Plan M) kekahi o nā koho Medigap hou loa. Hoʻonohonoho ʻia kēia hoʻolālā no ka poʻe makemake e uku i ka helu mahina haʻahaʻa (premium) i pānaʻi no ka uku ʻana no ka hapalua o ka makahiki A (haukapila) i unuhi ʻia a me ka hapa makahiki piha B (outpatient) i unuhi ʻia.

Inā ʻaʻole ʻoe e manaʻo i ke kipa pinepine ʻana mai i ka haukapila a ʻoluʻolu hoʻi me ka hoʻokaʻawale ʻana i ke kumukūʻai, ʻo ka Medicare Supplement Plan M kahi koho maikaʻi loa nāu.

E hoʻomau i ka heluhelu ʻana e aʻo hou ai e pili ana i kēia koho, me nā mea e uhi ai, nā mea i kūpono, a i ka wā hea ʻoe e kākau inoa ai.

He aha ka uhi M Medicare kumukanawai M?

Hoʻopili ʻo Medicare Supplement Plan M i kēia mau mea:

• 100 pākēneka o ka ʻāpana kālā A a me nā koina o ka haukapila a hiki i kahi 365 mau lā ma hope o ka pau ʻana o nā pono Medicare
• 50 pākēneka o ka Māhele A i unuhi ʻia
• 100 pākēneka o ka Māhele A mālama kālā kālā a me nā copayments
• 100 pākēneka o nā kumukūʻai no ka hoʻoliʻiliʻi koko (3 pints mua)
• 100 pākēneka o ka mākaukau mālama hale mālama mālama kālā
• 100 pākēneka o ka ʻāpana B coinsurance a copayments paha
• 80 pākēneka o ke koho pono ʻana i nā koina olakino ke hele nei i nā ʻāina ʻē

He aha ka hoʻokaʻawale kālā a pehea e hana ai?

ʻO ke kaʻana like ʻana i ke kumukūʻai ka nui o ke kālā i uku ʻia a uku ʻia e ʻoe ma hope o Medicare a me kāu kulekele Medigap i uku ai i kā lākou ʻāpana.

Eia kahi laʻana o pehea e pāʻani ai ka hoʻokaʻawale ʻana i nā kumukūʻai.

Loaʻa iā ʻoe ʻo Medicare kumu (mau ʻāpana A a me B) a me kahi kulekele Medigap Plan M. Ma hope o ke kīpoki ʻana o ka pūhaka, noho ʻoe i 2 mau pō i ka haukapila a laila loaʻa i kahi kaʻina o nā kipa ukali me kāu kauka.

Uhi ʻia kou wahi ʻoki kino a me kou noho ʻana i ka haukapila e Medicare Part A ma hope o kou hālāwai ʻana me ka ʻoki A lawe ʻia. Hoʻolimalima ʻo Medigap Plan M i ka hapalua o kēlā mea i unuhi ʻia a kuleana ʻoe e uku i ka hapalua ʻē aʻe o ka ʻeke.

I ka 2021, hōʻemi ʻia ka Medicare Part A ma ka haukapila maʻi he $ 1,484. ʻO kāu mahele kulekele Medigap Plan M he $ 742 a ʻo kāu ʻāpana $ 742.

Uhi ʻia kāu mau kipa ukali e Medicare Part B a me kāu Medigap Plan M. Ke uku aku nei ʻoe no ka hapa makahiki B hōʻemi ʻia, uku ʻo Medicare no 80% o kāu mālama maʻi maʻi a uku kāu Medicare Plan M no 20% ʻē aʻe.

I 2021, ka Medicare Part B hoʻoliʻiliʻi makahiki he $ 203. ʻO ʻoe ke kuleana no kēlā kālā piha.

Nā kumu kūʻai waho ʻē aʻe

Ma mua o ke koho ʻana i kahi kahu mālama ola, nānā inā e ʻae lākou i nā uku Medicare i hāʻawi ʻia (e ʻae ka uku Medicare no ke kaʻina hana a me ka lāʻau.

Inā ʻaʻole ʻae kāu kauka i nā uku i hāʻawi ʻia iā Medicare, hiki iā ʻoe ke loaʻa i kekahi kauka ʻē aʻe a i ʻole e noho me kāu kauka o kēia manawa. Inā koho ʻoe e noho, ʻaʻole ʻae ʻia kāu kauka e ʻoi aku ma mua o 15 pākēneka ma luna o ka nui i ʻae ʻia e Medicare.

ʻO ka nui i uku ʻia e kāu kauka ma luna aʻe o ka uku Medicare i kapa ʻia he ʻāpana B ʻoi aku ka uku. Me Medigap Plan M, kuleana ʻoe no ka uku ʻana i ka ʻāpana ʻoi aku ka nui o ka B ma waho o ka ʻeke.

Uku

Ma hope o kou loaʻa ʻana i ka lāʻau ma ka helu i ʻae ʻia e Medicare:

1. Uku ʻo Medicare Part A a ʻo B paha i kāna ʻāpana o nā uku.
2. Uku kāu kulekele Medigap i kāna ʻāpana o nā uku.
3. Uku ʻoe i kāu ʻāpana o nā uku (inā loaʻa).

Ua kūpono wau e kūʻai i ka Plan Supplement Medicare?

I mea e kūpono ai no ka Medicare Supplement Plan M, pono ʻoe e kākau inoa ʻia i ka Medicare Māhele A a me ka ʻĀpana B. Pono ʻoe e noho i loko o kahi i kūʻai ʻia ai kēia hoʻolālā e kahi ʻoihana inikua. E ʻike inā hāʻawi ʻia ka hoʻolālā M i kāu wahi, e hoʻokomo i kāu code ZIP ma ka Medicare's Medigap plan finder.

Ke kākau inoa nei i ka Plan Supplement Medicare M

ʻO kāu manawa kau helu inoa Medigap he 6 mau manawa (OEP) ka manawa kūpono loa e kākau inoa ai i nā kulekele Medigap e like me Medigap Plan M. Hoʻomaka kāu Medigap OEP i ka mahina ʻo kou makahiki 65 a ʻoi paha a kau inoa i Medicare Part B.

ʻO ke kumu e kākau inoa ai i kāu OEP no ka mea ʻaʻole hiki i nā ʻoihana ʻinikua pilikino e kūʻai aku i nā kulekele Medigap ke hōʻole iā ʻoe i ka uhi ʻana a pono e hāʻawi iā ʻoe i ka uku kūpono loa, me ka nānā ʻole i kou kūlana olakino. Hiki ke hilinaʻi i ka helu o ka loaʻa maikaʻi loa i nā kumu, e like me:

• makahiki
• kāne kāne
• kūlana male
• ma hea 'oe e noho ai
• inā he puhipaka ʻoe

ʻO ke kākau inoa ʻana ma waho o kāu OEP hiki ke hoʻowalewale i kahi koi no ka palapala kākau lapaʻau a ʻaʻole i hōʻoia mau ʻia kāu ʻae ʻana.

ʻO ka lawe lawe ʻana

Kōkua ke kōkua Medicare supplement (Medigap) i ka uhi ʻana i kekahi o nā "hakahaka" ma waena o ke kumukūʻai o ke olakino a me nā mea a Medicare e hāʻawi ai i kēlā mau kumukūʻai.

Me Medigap Plan M, uku ʻoe i kahi uku haʻahaʻa akā kaʻana like i nā koina o kāu Medicare Part A (haukapila) i unuhi ʻia, Medicare Part B (outpatient) i unuhi ʻia, a me ka ʻāpana B ʻoi aku ka nui o ka uku.

Ma mua o ka hana ʻana i ka Medigap Plan M a i ʻole me kahi hoʻolālā Medigap ʻē aʻe, e loiloi i kāu mau pono me kahi agena laikini i loea i ka lāʻau Medicare e kōkua iā ʻoe. Hiki iā ʻoe ke hoʻokaʻaʻike aku i ka mokuʻāina ʻo ka ʻInikua kōkua Kokua Moku'āina (SHIP) no ke kōkua manuahi i ka hoʻomaopopo ʻana i nā kulekele i loaʻa.

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.