Hoʻolālā ʻo Idaho Medicare ma 2021

Anter

• He aha ka Medicare?
• Mahele A
• Mahele B
• ʻĀpana C
• Mahele D
• Medigap
• Waihona mālama mālama Medicare
• ʻO wai nā hoʻolālā Medicare Advantage i loaʻa i Idaho?
• ʻO wai ka mea kūpono no Medicare ma Idaho?
• Āhea wau e kākau inoa ai i nā hoʻolālā Medicare Idaho?
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana i Medicare ma Idaho
• Nā kumuwaiwai ʻo Idaho Medicare
• He aha kaʻu e hana ai ma hope?

Hāʻawi nā hoʻolālā Medicare ma Idaho i ka inikua olakino no nā makahiki 65 a ʻoi. A no kekahi poʻe ma lalo o ka makahiki 65 i kū i kekahi mau koina. Nui nā ʻāpana i Medicare, me:

• kumu Medicare (Māhele A a me ʻĀpana B)
• Ka Lapaʻau Medicare (Māhele C)
• nā papa lāʻau lāʻau kuhikuhi (Part D)
• ʻInikua kōkua Medicare (Medigap)
• Waihona mālama mālama Medicare (MSA)

Hāʻawi ʻia ʻo Medicare Original ma o ke aupuni pekelala. Hāʻawi ʻia nā Medicare Advantage, nā papa lāʻau lāʻau, a me ka inikua Medigap ma o nā halihali ʻinikua pilikino.

E heluhelu e aʻo hou aʻe e pili ana i kāu Medicare koho ma Idaho.

He aha ka Medicare?

ʻO nā mea a pau e kākau inoa ma Medicare, me nā hoʻolālā Medicare Advantage, pono e kau inoa mua no ka ʻāpana A a me ka ʻāpana B.

Mahele A

ʻAʻohe uku kālā o ka ʻāpana A no ka hapa nui o ka poʻe. E uku ʻoe i kahi deductible i kēlā me kēia manawa e ʻae ʻia ʻoe i ka haukapila. Uhi ʻia:

• mālama hale maʻi maʻi
• kaupalena mālama ma nā mākaukau kahu maʻi
• mālama hale hoʻokipa
• kekahi mālama mālama home

Mahele B

Loaʻa i ka ʻāpana B kahi uku no kēlā me kēia mahina a hoʻemi ʻia i ka makahiki. Ke hālāwai ʻoe me ka unuhi ʻia, uku ʻoe i kahi 20 pākēneka kālā pilikino no kēlā me kēia mālama no ke koena o ka makahiki. Uhi ʻia:

• mālama mālama maʻi maʻi
• nā koho a ke kauka
• mālama pale, e like me ka kānana ʻana a me nā kipa maikaʻi makahiki
• nā hoʻokolohua lab a me ke kiʻi ʻana, e like me nā kukuna X

ʻĀpana C

Loaʻa nā hoʻolālā Medicare Advantage (ʻĀpana C) ma o nā halihali ʻinikua pilikino nāna e ʻākoakoa nā ʻāpana A a me B, a me nā pōmaikaʻi ʻo ka Māhele D a me nā ʻano ʻoi aʻe o ka uhi ʻana.

Mahele D

Uhi ka ʻaoʻao D i nā kumukūʻai lāʻau lapaʻau a pono e kūʻai ʻia ma o ka hoʻolālā ʻinikua pilikino. Nui nā hoʻolālā Medicare Advantage e pili ana i ka ʻaoʻao D uhi ʻana.

Medigap

Loaʻa nā hoʻolālā Medigap ma o nā lawe ʻinikua pilikino e kōkua ai i ka uhi ʻana i kekahi koina o kāu mālama ʻana, ʻoiai ʻaʻohe palena o waho o ka ʻeke Medicare. Loaʻa kēia mau hoʻolālā me Medicare kumu.

Waihona mālama mālama Medicare

ʻO nā waihona mālama mālama Medicare (MSA) like ia me nā waihona mālama mālama ola me nā waihona hoʻemi ʻauhau hiki ke hoʻohana ʻia no nā lilo olakino kūpono, e like me nā uku pālua Medicare plan a me ka mālama wā lōʻihi. Ua kaʻawale kēia mai nā waihona mālama kālā Medicare pekelala, a he mau lula ʻauhau kikoʻī e nānā a hoʻomaopopo ma mua o kou kau inoa ʻana.

ʻO wai nā hoʻolālā Medicare Advantage i loaʻa i Idaho?

Hāʻawi nā mea lawe ʻinikua e hāʻawi i nā papahana Medicare Advantage me nā Centers for Medicare & Medicaid Services (CMS) a hāʻawi i ka pale like e like me Medicare kumu. He uhi pū kekahi o kēia mau hoʻolālā no nā mea e like me:

• kahua niho
• hihio
• ka hoʻolohe ʻana
• halihali i nā koho lapaʻau
• ka lawe ʻana i ka papa ʻaina

ʻO kekahi pono o nā hoʻolālā Medicare Advantage ka palena makahiki o ka $ 6,700 i kēlā me kēia makahiki o ka pocket - he mau palena haʻahaʻa ko kekahi mau hoʻolālā. Ma hope o kou hiki ʻana i ka palena, uku kāu hoʻolālā i ka 100 pākēneka o nā kumukūʻai uhi no ke koena o ka makahiki.

ʻO nā hoʻolālā Medicare Advantage ma Idaho:

• ʻOihana Hoʻonohonoho Ola (HMO). He kauka mālama mua (PCP) āu i koho ai mai kahi pūnaewele o nā mea hoʻolako e hoʻohui i kāu mālama. Pono ʻoe i kahi mea hāʻawi mai kāu PCP e ʻike i kahi loea. He mau rula ko ka HMO e like me nā mea hoʻolako a me nā pono e pono ai ʻoe e hoʻohana ma waena o kā lākou pūnaewele, a me nā koi i ʻae ʻia ma mua, no laila e heluhelu a hāhai pono i nā lula e ʻike pono ʻole ʻia ʻoe me nā kumukūʻai i manaʻo ʻole ʻia.
• Kahi lawelawe ʻo HMO (HMO-POS). ʻO kahi HMO me kahi koho o ka lawelawe (POS) koho e ʻae iā ʻoe e mālama i waho o ka pūnaewele no kekahi mau mea. Aia kekahi mau uku hou aʻe no ka mālama POS ma waho o ka pūnaewele. Loaʻa nā hoʻolālā ma kekahi mau kalana ʻo Idaho.
• ʻOihana Hoʻolālā ʻoi aku ka makemake (PPO). Me kahi PPO, hiki iā ʻoe ke mālama mai nā mea hoʻolako a i ʻole kahi pono i ka pūnaewele PPO.ʻAʻole pono ʻoe i nā mea kuhikuhi mai kahi PCP e ʻike ai i nā loea, akā maikaʻi nō naʻe ke loaʻa kauka kauka mua. ʻOi aku ka pipiʻi o ka mālama ma waho o ka pūnaewele a ʻaʻole paha e uhi ʻia.
• Uku Pilikino-No ka lawelawe (PFFS). Kūkākūkā pololei ʻo PFFS me nā mea hoʻolako a me nā pono e hoʻoholo ai i kāu ʻaiʻē no ka mālama. Loaʻa i kekahi i nā pūnaewele lawelawe, akā ʻae ka hapanui iā ʻoe e hele i kekahi kauka a i ʻole haukapila e ʻae i ka hoʻolālā. ʻAʻole ʻae ʻia nā hoʻolālā PFFS ma nā wahi āpau.
• Nā Manaʻo Pono Pono (SNP). Hāʻawi ʻia nā SNP ma Idaho i kekahi mau kalana a loaʻa wale inā loaʻa ʻoe no Medicare a me Medicaid (ʻelua kūpono).

Hiki iā ʻoe ke koho i nā hoʻolālā Medicare Advantage ma Idaho mai:

• ʻO Aetna Medicare
• Keʻa Blue o Idaho
• Humana
• MediGold
• ʻO Molina Healthcare o Utah & Idaho
• ʻO Medicare PacificSource
• ʻO Regence BlueShield o Idaho
• KohoKalolo
• ʻO UnitedHealthcare

E loli ke ʻano o nā hoʻolālā e pili ana i kou kalana noho.

ʻO wai ka mea kūpono no Medicare ma Idaho?

Loaʻa ka Medicare ma Idaho i nā kamaʻāina U.S. (a i ʻole nā ​​kamaʻāina kū kānāwai no 5 a ʻoi paha mau makahiki) ʻo 65 a ʻoi paha mau makahiki. Inā ʻoe ma lalo o 65 mau makahiki, hiki paha iā ʻoe ke kiʻi iā Medicare inā ʻoe:

• ua loaʻa nā uku kīnā ʻole Social Security a i ʻole Railroad Retensions Board no 24 mau mahina
• loaʻa kahi hopena maʻi maʻi maʻi (ESRD)
• loaʻa ka amyotrophic lateral sclerosis (ALS)

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

Aia kekahi mau manawa o ka makahiki ke hiki iā ʻoe ke kākau inoa a i ʻole hoʻololi i nā hoʻolālā Medicare a me Medicare Advantage.

• Wā kākau inoa mua (IEP). ʻEkolu mau mahina ma mua o kou piha ʻana i 65, hiki iā ʻoe ke kākau inoa ma Medicare no ka uhi ʻana e hoʻomaka i kāu mahina hānau. Inā ʻoe e nalo i kēlā puka aniani, hiki iā ʻoe ke kākau inoa i kāu malama lā hānau a i ʻole 3 mau mahina ma hope, akā aia ka lohi ma mua o ka hoʻomaka ʻana o ka uhi ʻana.
• Ke kākau inoa nui ʻana (Ianuali 1 – Malaki 31). Hiki iā ʻoe ke kau inoa no nā ʻāpana A, B, a i ʻole D i ka wā o ke kākau inoa nui ʻana inā ua nalo ʻoe iā IEP a kūpono ʻole no kahi wā kau inoa kūikawā. Inā ʻaʻohe ou uhi ʻē aʻe a ʻaʻole kau inoa i kāu IEP, hiki iā ʻoe ke uku i kahi hoʻopaʻi kau inoa no ka ʻāpana B a me ka ʻĀpana D.
• Hoʻokomo inoa (ʻOkakopa 15 – Kekemapa 7). Inā ua kau inoa ʻoe no Medicare, hiki iā ʻoe ke hoʻololi i nā koho hoʻolālā i loko o ka wā kākau inoa makahiki.
• Hoʻokomo inoa Medicare Advantage (Ianuali 1 – Malaki 31). I ka wā o ke kākau inoa hāmama ʻana, hiki iā ʻoe ke hoʻololi i nā hoʻolālā Medicare Advantage a i ʻole hoʻololi i Medicare kumu.
• Wā kākau inoa kūikawā (SEP). Hiki iā ʻoe ke kau inoa no Medicare i ka manawa o SEP inā ua nalowale ka uhi ʻana no kahi kumu kūpono, e like me ka neʻe ʻana i waho o kahi kikowaena pūnaewele o kāu hoʻolālā a i ʻole ka nalo ʻana i kahi hoʻolālā a ka luna hana ma hope o ka hoʻomaha loa ʻana. ʻAʻole pono ʻoe e kali no ke kākau inoa makahiki ʻana.

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

Me nā koho he nui i loaʻa, he mea nui e noʻonoʻo pono i kāu pono pilikino ponoʻī pono e hoʻoholo inā ʻo Medicare kumu a Medicare Advantage paha ke koho ʻoi aku ka maikaʻi a inā paha ʻoe e pono i kahi uhi kākoʻo.

Koho i kahi hoʻolālā e:

• he mau kauka āu e makemake ai a me nā wahi i kūpono i kāu wahi
• uhi i nā lawelawe āu e pono ai
• hāʻawi i ka uhi paʻa
• loaʻa kahi helu hōkū kiʻekiʻe no ka maikaʻi a me ka hōʻoluʻolu hoʻomanawanui mai CMS

Nā kumuwaiwai ʻo Idaho Medicare

E ʻike i nā pane i nā nīnau a loaʻa i ke kōkua me nā hoʻolālā Medicare Idaho mai nā kumuwaiwai aʻe:

• 'Vislelo Aʻoaʻo ʻoihana ʻInikua Pono Pono (SHIBA) (800-247-4422). Hāʻawi ʻo SHIBA i kōkua kōkua manuahi no nā ʻelemakule Idaho me nā nīnau e pili ana iā Medicare.
• ʻOihana ʻInikua ʻo Idaho (800-247-4422). Hāʻawi kēia kumuwaiwai i ka ʻike e pili ana i nā Polokalamu Kōkua keu a me nā Polokalamu Medicare no ke kōkua ʻana i ka uku ʻana no Medicare inā ʻaʻole hiki iā ʻoe ke uku.
• Live Idaho maikaʻi loa (877-456-1233). He pilina lehulehu-pilikino kēia me nā ʻike a me nā kumuwaiwai e pili ana iā Medicare a me nā lawelawe ʻē aʻe no nā kamaʻāina Idaho.
• Polokalamu kōkua kōkua lāʻau kōkua Idaho AIDS (IDAGAP) (800-926-2588). Hāʻawi kēia ʻaha i ke kōkua kālā no ka laulā Medicare Part D inā ʻoe he maikaʻi HIV.

• He aha kaʻu e hana ai ma hope?

  Ke mākaukau ʻoe e kākau inoa i Medicare:

  • E hoʻoholo inā makemake ʻoe i ka uhi hou a me nā pono o kahi hoʻolālā Medicare Advantage (ʻĀpana C).
  • E loiloi i nā hoʻolālā i loaʻa i kou kalana a he aha ka uhi a lākou e hāʻawi nei.
  • E kaha i kāu kalena no kāu IEP a i ʻole wehe inoa inoa e ʻike ai hiki ke kau inoa ʻia.

  Ua hōʻano hou ʻia kēia ʻatikala ma ʻOkakopa 5, 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.