Nā Hoʻolālā Medicare Delaware i 2021

Anter

• He aha ka Medicare?
• He aha ka mea e uhi ai
• Nā kumukūʻai Medicare
• ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma Delaware?
• ʻOihana Hoʻonohonoho Ola (HMO)
• ʻOihana Hoʻolālā ʻoi aku ka makemake (PPO)
• Waihona mālama mālama ola (MSA)
• Uku Uku-no-Hana (PFFS)
• Kālā Pono Pono (SNP)
• Loaʻa nā hoʻolālā ma Delaware
• ʻO wai ka mea kūpono no Medicare ma Delaware?
• Āhea wau e kākau inoa ai i nā hoʻolālā Medicare Delaware?
• Nā papa inoa hanana
• Nā kākau inoa makahiki
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana i Medicare ma Delaware
• Nā kumuwaiwai ʻo Delaware Medicare
• ʻO Del Bureau Medicare Kōkua kōkua (800-336-9500)
• ʻO Medicare.gov (800-633-4227)
• He aha kaʻu e hana ai ma hope?

ʻO Medicare kahi ʻinikua olakino hoʻomalu aupuni e hiki iā ʻoe ke loaʻa ke piha iā ʻoe nā makahiki 65. Loaʻa iā Medicare ma Delaware i nā poʻe ma lalo o 65 mau makahiki i kū i kekahi mau pae hoʻohālikelike.

He aha ka Medicare?

Aia nā Medicare ʻehā mau ʻāpana nui:

• Māhele A: mālama hale maʻi
• Māhele B: mālama mālama maʻi
• Mahele C: Medicare Advantage
• Mahele D: nā lāʻau lapaʻau

He aha ka mea e uhi ai

Uhi kēlā me kēia ʻāpana o Medicare i nā mea like ʻole:

• Uhi ka ʻāpana A i ka mālama i loaʻa iā ʻoe ma ke ʻano he mea maʻi ma ka haukapila a pili pū me ka mālama hale hoʻokipa, kaupalena ʻia no ka mālama wā hānai wā pōkole (SNF), a me nā lawelawe mālama ola manawa hapa manawa.
• Māhele ka ʻāpana B i ka mālama maʻi maʻi, e like me ke kipa ʻana a ke kauka, mālama pale ʻana, a me kekahi pono olakino paʻa.
• Hoʻopili ka ʻāpana C i kāu uhi no ka ʻāpana A a me ka ʻāpana B i kahi hoʻolālā i hiki ke hoʻopili ʻia me nā keu pono ʻē aʻe, e like me ka uhi niho a ʻike paha. Hoʻokomo pinepine kēia mau hoʻolālā i ka uhi lāʻau lāʻau kuhikuhi.
• Uhi ka ʻaoʻao D i kekahi a i ʻole paha o kāu mau lāʻau lapaʻau lāʻau lapaʻau i waho o kahi haukapila (uhi ʻia nā lāʻau i loaʻa iā ʻoe i ka wā o kahi haukapila ma lalo o ka ʻāpana A).

Ma waho aʻe o nā ʻāpana nui ʻehā, aia kekahi mau hoʻolālā ʻinikua hoʻohui Medicare. Kāhea pinepine ʻia ʻo Medigap, uhi kēia mau hoʻolālā i nā kumukūʻai ma waho o ka ʻeke e like me ka copay a me ka coinsurance i hana ʻole ʻia nā hoʻolālā Medicare maoli a loaʻa ma o nā lawe ʻinikua pilikino.

ʻAʻole paha ʻoe e kūʻai i ka ʻāpana C a me Medigap. Pono ʻoe e koho i kahi a i ʻole ka ʻē aʻe.

Nā kumukūʻai Medicare

Loaʻa i nā hoʻolālā Medicare ma Delaware kekahi mau kumukūʻai āu e uku ai no ka uhi ʻana a me ka mālama.

Mahele A loaʻa me ka uku ʻole o kēlā me kēia mahina ʻoiai ʻo ʻoe a ʻo kāu wahine e hana no 10 a ʻoi paha mau makahiki i kahi hana a uku i nā ʻauhau Medicare. Hiki iā ʻoe ke kūʻai i ka uhi inā ʻaʻole ʻoe e hoʻokō i nā koi e pono ai.ʻO nā kumukūʻai ʻē aʻe:

• he deductible i kēlā me kēia manawa e hoʻokomo ʻia ʻoe i ka haukapila
• nā kumukūʻai hou aʻe inā lōʻihi ka lōʻihi o kāu haukapila a SNF paha ma mua o kahi manawa i hoʻopaʻa ʻia

Mahele B he mau uku a me nā kumukūʻai, e like me:

• kahi uku nui o ka mahina
• he unuhi makahiki
• copays a me 20 pākēneka coinsurance ma hope o kāu unuhi ʻia uku

ʻĀpana C Loaʻa i nā hoʻolālā he uku no nā keu keu i loaʻa ma o ka papahana. E uku nō ʻoe i ka uku ʻāpana B.

Mahele D ʻokoʻa nā kumukūʻai hoʻolālā ma muli o ka uhi ʻana.

Medigap ʻokoʻa nā kumukūʻai hoʻolālā ma muli o ka hoʻolālā āu e koho ai.

ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma Delaware?

ʻĀpono ʻia nā hoʻolālā Medicare Advantage e nā Kikowaena no Medicare a me Medicaid Services (CMS) a loaʻa ma o nā ʻoihana ʻinikua pilikino. Loaʻa nā pono i:

• kou mau pono āpau mai kēlā me kēia ʻāpana o Medicare uhi ʻia ma lalo o kahi hoʻolālā hoʻokahi
• nā pono ʻē aʻe i pili ʻole i ka Medicare kumu, e like me ka niho, ka hihiʻo, ka hoʻolohe ʻana, ka halihali ʻana i nā koho lapaʻau, a me ka lawe ʻana i ka papa ʻaina home
• ʻo nā mea i waho o ka ʻeke o $ 7,550 (a i ʻole emi iho)

Aia he ʻelima mau ʻano o nā hoʻolālā Medicare Advantage ma Delaware. E nānā i kēlā me kēia ʻano ma hope.

ʻOihana Hoʻonohonoho Ola (HMO)

• Koho ʻoe i kahi mea lawelawe mua (PCP) nāna e hoʻonohonoho i kāu mālama.
• Pono ʻoe e hoʻohana i nā mea hoʻolako a me nā pono i loko o ka pūnaewele ʻo HMO.
• ʻO ka maʻamau makemake ʻoe i kahi mea i hoʻouna ʻia mai kāu mea mālama mālama mua (PCP) e ʻike i kahi loea.
• ʻAʻole uhi pinepine ʻia ka mālama ma waho o ka pūnaewele koe wale nō nā pilikia.

ʻOihana Hoʻolālā ʻoi aku ka makemake (PPO)

• Mālama ʻia ka mālama mai nā kauka a i ʻole nā ​​pono hana i loko o ka papahana PPO o ka hoʻolālā.
• Mālama nui ʻia ka mālama ma waho o ka pūnaewele.
• ʻAʻole pono ʻoe i kahi mea kuhikuhi e ʻike ai i ka loea.

Waihona mālama mālama ola (MSA)

• Hoʻohui kēia mau hoʻolālā i kahi hoʻolālā olakino hoʻemi kiʻekiʻe a me ka waihona mālama kālā.
• Hāʻawi ʻo Medicare i kekahi kālā i kēlā me kēia makahiki e uhi i nā lilo (hiki iā ʻoe ke hoʻohui hou aʻe).
• Hiki ke hoʻohana ʻia nā MSA no nā lilo olakino kūpono.
• ʻAʻohe uku ʻauhau ʻo MSA mālama kālā (no nā lilo lapaʻau kūpono) a loaʻa ka uku paneʻe ʻauhau ʻole.

Uku Uku-no-Hana (PFFS)

• Hoʻolālā ʻo PFFS me ka ʻole o ka pūnaewele o nā kauka a i ʻole nā ​​haukapila; hiki iā ʻoe ke koho e hele i nā wahi āpau e ʻae i kāu hoʻolālā.
• Kūkākūkā pololei lākou me nā mea hoʻolako a hoʻoholo i ka nui o kāu ʻaiʻē no nā lawelawe.
• ʻAʻole nā ​​kauka a me nā pono āpau e ʻae i kēia mau hoʻolālā.

Kālā Pono Pono (SNP)

• Ua hana ʻia nā SNP no nā poʻe e pono ana ka mālama like hou a kū i kekahi mau koina.
• Pono ʻoe e koho pālua ʻia no Medicare a me Medicaid, i hoʻokahi a ʻoi paha nā kūlana olakino mau, a / a i ʻole e noho i kahi home kahu.

Loaʻa nā hoʻolālā ma Delaware

Hāʻawi kēia mau ʻoihana i nā hoʻolālā i nā kalana he nui ma Delaware:

• ʻO Aetna Medicare
• ʻO Cigna
• Humana
• ʻO Lasso Healthcare
• ʻO UnitedHealthcare

Hoʻololi nā mōhai hoʻolālā Medicare Advantage e ka kalana, no laila e hoʻokomo i kāu code ZIP kikoʻī ke ʻimi nei i nā hoʻolālā kahi āu e noho ai.

ʻO wai ka mea kūpono no Medicare ma Delaware?

I mea e kūpono ai no Medicare, pono ʻoe e:

• 65 makahiki a ʻoi paha
• he kamaʻāina U.S. a i ʻole he kamaʻāina kū kānāwai no 5 mau makahiki a ʻoi

Inā ʻoe ʻōpio ma mua o 65 mau makahiki, hiki iā ʻoe ke kiʻi i nā hoʻolālā Medicare ma Delaware inā ʻoe:

• loaʻa i kahi transplan kidney a i ʻole hopena pae renal maʻi (ESRD)
• loaʻa ka amyotrophic lateral sclerosis (ALS)
• ke loaʻa nei nā pōmaikaʻi ʻo Social Security a i ʻole Railroad Retensions Board no 24 mau mahina

Hiki iā ʻoe ke hoʻohana i ka mea hana a Medicare e ʻike inā kūpono ʻoe.

Āhea wau e kākau inoa ai i nā hoʻolālā Medicare Delaware?

No ka loaʻa ʻana o Medicare a i ʻole Medicare Advantage pono ʻoe e kākau inoa i ka manawa kūpono.

Nā papa inoa hanana

• Wā kākau inoa mua (IEP) He puka aniani 7-mahina a puni kou lā hānau 65th, e hoʻomaka ana i 3 mau mahina ma mua a hoʻomau no 3 mau mahina ma hope o kou lā hānau. Inā ʻoe e kau inoa ma mua o kou piha ʻana i 65 mau makahiki, hoʻomaka kāu uhi ʻana i kāu mahina hānau. ʻO ke kau inoa ʻana ma hope o kēia wā he lohi i ka uhi ʻana.
• Nā wā kau inoa kūikawā (SEP) i koho ʻia i mau manawa ke hiki iā ʻoe ke kau inoa ma waho o ke kākau inoa hāmama inā lilo ʻoe i ka uhi no nā kumu like ʻole, e like me ka nalo ʻana i kahi hoʻolālā i kākoʻo ʻia e ka luna hana a i ʻole neʻe ʻana i waho o kāu ʻaoʻao pale.

Nā kākau inoa makahiki

• Ke kākau inoa nui ʻana(Ianuali 1 a Malaki 31): Inā ʻaʻole ʻoe i kau inoa no Medicare i kāu IEP, hiki iā ʻoe ke kākau inoa ma ka ʻĀpana A, ʻĀpana B, ʻĀpana C, a me nā ʻāpana D ʻĀpana. E uku paha ʻoe i ka uku hoʻopaʻi no ke kau inoa ʻana i ka lohi.
• Hoʻokomo inoa Medicare Advantage (Ianuali 1 a Malaki 31): Hiki iā ʻoe ke hoʻololi i kahi hoʻolālā hou inā ʻoe ma Medicare Advantage a i ʻole hiki iā ʻoe ke hoʻomau me Medicare kumu.
• Hoʻokomo inoa(ʻOkakopa 15 a Kekemapa 7): Hiki iā ʻoe ke hoʻololi ma waena o Medicare a me Medicare Advantage, a i ʻole kau inoa no ka ʻāpana D inā ʻaʻole ʻoe i kau inoa i kāu IEP.

Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana i Medicare ma Delaware

Ke koho nei i ka hoʻolālā kūpono no ka mea ma muli o kēia mau kumu:

• kou ola kino pono
• nā lilo i hoʻolālā ʻia
• ʻo nā kauka (a i ʻole nā ​​haukapila) āu e makemake ai e ʻike no ka mālama

Nā kumuwaiwai ʻo Delaware Medicare

Hiki iā ʻoe ke loaʻa nā pane i kāu Medicare Delaware nīnau mai kēia mau hui:

ʻO Del Bureau Medicare Kōkua kōkua (800-336-9500)

• ka Polokalamu kōkua ʻinikua olakino moku'āina (SHIP), i ʻike ʻia ma mua ʻo ELDERʻike
• aʻoaʻo aʻoaʻo manuahi no ka poʻe me Medicare
• nā pūnaewele ʻōlelo aʻoaʻo kūloko ma loko o Delaware (kāhea iā 302-674-7364 e ʻimi i kāu)
• kōkua kālā e kōkua e uku no Medicare

ʻO Medicare.gov (800-633-4227)

• lawelawe ma ke ʻano he kahua Medicare kūhelu
• ua hoʻomaʻamaʻa i nā limahana ma nā kāhea e kōkua i ka pane ʻana i kāu nīnau Medicare
• Loaʻa iā ia kahi mea hana ʻimi e hoʻolālā e kōkua iā ʻoe e ʻike i ka pono Medicare Advantage, Māhele D, a me nā hoʻolālā Medigap i kou wahi.

He aha kaʻu e hana ai ma hope?

Eia kāu mau kaʻina e hiki mai ana e ʻike i ka ʻoi loa o ka lāʻau Medicare e kū ai i kāu mau pono.

• E hoʻoholo inā makemake ʻoe i ka Medicare kumu a i ʻole Medicare Advantage.
• Koho i kahi Medicare Advantage a i ʻole Medigap kulekele, inā pili.
• E ʻike i kāu wā kau inoa a me nā lā palena palena.
• E hōʻiliʻili i nā palapala e like me ka papa inoa o nā lāʻau lapaʻau āu e lawe ai a me nā ʻano olakino āu.
• E nīnau i kāu kauka inā ʻae lākou iā Medicare, a me kahi pūnaewele Medicare Advantage e pili ana iā lākou.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 10, 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.