Nā Hoʻolālā Medicare ʻo Ilinoi i 2021

Anter

• He aha ka Medicare?
• ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma ʻIlino?
• ʻO wai ka mea kūpono i Medicare ma ʻIlino?
• Āhea wau e kākau inoa ai i nā hoʻolālā Medicare Illinois?
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana ma Medicare i ʻIlino
• Nā kumuwaiwai ʻo Illinois Medicare
• He aha kaʻu e hana ai ma hope?

ʻO Medicare kahi papahana ʻinikua olakino pekelala e kōkua i ka poʻe nona ka makahiki 65 a ʻoi paha e uku no ka mālama olakino pono. Hiki paha iā ʻoe ke koho inā he ʻōpio ʻoe ma mua o 65 a e noho ana me kekahi mau kīnā. Ma Ilinoi, ma kahi o 2.2 miliona mau kānaka i kākau inoa ʻia i Medicare.

E wehewehe kēia ʻatikala i nā koho Medicare ma ʻIlino i 2021, me nā hoʻolālā Medicare Advantage a me nā mea e noʻonoʻo ai ke kūʻai aku ʻoe no ka uhi.

He aha ka Medicare?

Ke kau inoa ʻoe no Medicare ma Ilinoi, hiki iā ʻoe ke koho i kekahi Medicare kumu a i ʻole Medicare Advantage plan.

ʻO Medicare maoli, i kapa ʻia i kekahi manawa ʻo Medicare kuʻuna, mālama ʻia e ke aupuni. Aia pū me ka ʻāpana A (ʻinikua haukapila) a me ka ʻāpana B (ʻinikua olakino).

Uhi ka ʻāpana A i nā noho haukapila a me nā mālama maʻi maʻi ʻē aʻe, ʻoiai ʻo ka ʻāpana B e uhi ana i nā lawelawe olakino kūpono, e like me nā kipa a me nā lawelawe kaohi.

Inā ʻoe e kākau inoa i ka Medicare kumu, hiki iā ʻoe ke koho e kau inoa no kekahi mau ʻano laulā hou aʻe. Uhi nā kulekele Medigap i kekahi o nā kumukūʻai olakino i hana ʻole ʻia e Medicare kumu, e like me kāu copayments a me nā unuhi. Inā makemake ʻoe i ka uhi lāʻau, hiki iā ʻoe ke kau inoa no kahi hoʻolālā lāʻau kū hoʻokahi, i ʻike ʻia ʻo Part D.

Hāʻawi nā hoʻolālā Medicare Advantage (ʻĀpana C) iā ʻoe i kekahi ala ʻē aʻe e kiʻi i kāu uhi Medicare. Hāʻawi ʻia kēia mau hoʻolālā e nā ʻoihana inikua pilikino, a hoʻopili lākou i nā ʻāpana Medicare āpau A a me B lawelawe.

Hāʻawi paha nā hoʻolālā Medicare Advantage ma Ilinoi i nā pono ʻē aʻe i pili ʻole i ka Medicare kumu, e like me:

• ka mālama pepeiao, ka hihiʻo, a me ka mālama niho
• lāʻau lāʻau lāʻau kuhikuhi
• nā polokalamu olakino
• uhi lāʻau over-the-counter

ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma ʻIlino?

Loaʻa nā hoʻolālā Medicare Advantage he nui i nā kamaʻāina o ʻIlino. Hāʻawi nā mea lawe ʻinikua aʻe i nā hoʻolālā Medicare Advantage ma Ilinoi:

• ʻO Aetna Medicare
• Piʻi ʻAha
• ʻO Blue Cross a me Blue Shield o ʻIlika
• Ola Ola
• ʻO Cigna
• Maopopo ke olakino Puna
• Humana
• ʻO Lasso Healthcare
• ʻO MoreCare
• ʻO UnitedHealthcare
• ʻO WellCare
• ʻO Zing Health

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 i Medicare ma ʻIlino?

Kūleʻa nā lula kūpono no Medicare ma muli o kou makahiki. Inā ʻoi aku kou ʻōpio ma mua o 65 mau makahiki, hiki iā ʻoe ke koho i kēlā me kēia ʻano.

• ua ʻike ʻia ʻoe me ka maʻi hōʻino pae hope loa (ESRD) a i ʻole amyotrophic lateral sclerosis (ALS)
• ua noho ʻoe ma ka Insurance Insurance Disability Insurance (SSDI) no 2 mau makahiki.

Inā huli ʻoe i 65 mau makahiki, hiki iā ʻoe ke koho no Medicare ma ʻIlino i kekahi o kēia mau hanana.

• noho ʻoe i ʻAmelika Hui Pū ʻIa a he kamaʻāina U.S. a i ʻole he kamaʻāina paʻa
• ua loaʻa iā ʻoe nā pōmaikaʻi pension Social Security a i ʻole kūpono iā lākou

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

Inā kūpono ʻoe no Medicare, hiki iā ʻoe ke kau inoa i kekahi mau manawa i loko o ka makahiki. Aia kēia mau manawa i:

• Wā kākau inoa mua. Loaʻa kēia manawa 7 mau mahina no ka poʻe i hiki ke koho ʻia no Medicare ke huli lākou i ka makahiki 65. Hoʻomaka ia i 3 mau mahina ma mua o ka mahina e hala ana ʻoe i 65 mau makahiki a hoʻopau i 3 mau mahina ma hope o kou malama lā hānau.
• ʻO ka wā kākau inoa hāmama. ʻO ka wā kākau inoa hāmama e holo ana mai ʻOkakopa 15 a hiki i Kēkēmapa 7. Inā ʻoe e kau inoa no kahi hoʻolālā Medicare Advantage i kēia wā, e hoʻomaka ana kāu uhi hou ma Ianuali 1.
• ʻO Medicare Advantage wehe manawa hoʻopaʻa inoa. Mai Ianuali 1 a Malaki 31 i kēlā me kēia makahiki, hiki iā ʻoe ke hoʻololi i kahi hoʻolālā Medicare Advantage ʻokoʻa. Inā hoʻololi ʻoe, hoʻomaka kāu uhi hou ʻana i ka lā mua o ka mahina ma hope o ka loaʻa ʻana o kāu noi e ka ʻinikua.
• Wā kākau inoa kūikawā. Inā ʻike ʻoe i kekahi hanana ola, ʻae ʻia ʻoe e kau inoa no Medicare ma waho o nā kau inoa makahiki. Hiki iā ʻoe ke loaʻa i kahi manawa kau inoa kūikawā inā e nalo iā ʻoe kahi uhi olakino o kāu luna hana, e laʻa me.

I kekahi mau kūlana, kau inoa ʻia ʻoe no Medicare. Inā kūpono ʻoe no Medicare ma muli o ke kīnā, e kākau inoa ʻia ʻoe ma hope o kou loaʻa ʻana o nā hōʻoia SSDI no 24 mau mahina. Inā loaʻa iā ʻoe nā keu reti Railroad a i ʻole nā ​​pōmaikaʻi hoʻomaha Social Security, e kākau inoa ʻia ʻoe i kou piha ʻana i 65 mau makahiki.

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

Nui nā mea e noʻonoʻo ai i kou loiloi ʻana i nā hoʻolālā Medicare he nui ma Ilinoi. E ʻike ai i ka hoʻolālā e kūpono loa i kāu mau pono, e noʻonoʻo i kēia mau mea:

• Nā lawelawe i uhi ʻia. Hiki paha i nā hoʻolālā Medicare Advantage ke uhi i nā lawelawe i hana ʻole ʻia e Medicare kumu, e like me ka mālama niho, ʻike, a i ʻole ka mālama pepeiao. Hāʻawi kekahi i nā perks, e like me nā lālā hoʻoikaika kino. E nānā i nā hoʻolālā e uhi ana i nā lawelawe āu e makemake ai a e pono ai.
• Kumukūʻai. ʻOkoʻa ke kumukūʻai o Medicare Advantage plan. No kekahi mau hoʻolālā, e uku ʻia ʻoe i kahi uku hoʻolālā mahina no ka hoʻohui ʻana i ka uku Medicare Part B. E hoʻopili ka Copayments, ka coinsurance, a me nā deductibles i kāu koina waho-ʻeke.
• Pūnaewele hoʻolako. Inā ʻoe e hui i kahi hoʻolālā Medicare Advantage, pono paha ʻoe e mālama mai nā kauka a me nā haukapila i ka pūnaewele o kāu hoʻolālā. E makemake paha ʻoe e nīnau i kāu poʻe lawelawe i kēia manawa inā lākou e komo i nā hoʻolālā āu e noʻonoʻo nei.
• Wahi lawelawe. Hāʻawi ʻo Original Medicare i ka uhi ākea ākea, ʻoiai ʻo Medicare Advantage hoʻolālā e lawelawe i nā wahi i kaupalena ʻia. Inā ʻoe e hoʻolālā e huakaʻi, makemake paha ʻoe i kahi hoʻolālā Medicare e hāʻawi nei i nā pōmaikaʻi huakaʻi a kipa paha.
• Loipālākiō. I kēlā me kēia makahiki, helu nā Kikowaena no Medicare & Medicaid Services (CMS) i nā hoʻolālā mai hoʻokahi a i ʻelima mau hōkū. Hoʻokumu ʻia kēia mau helu hōkū ma ka lawelawe ʻana i ka poʻe kūʻai, ka maikaʻi o ka mālama ʻana, a me nā kumu ʻē aʻe. No ka nānā ʻana i kahi helu o kahi hoʻolālā, e hele i CMS.gov a hoʻoiho i ka Hōkū ʻo Star Ratings Fact.

Nā kumuwaiwai ʻo Illinois Medicare

He polokalamu paʻakikī ʻo Medicare, akā aia kekahi mau kumuwaiwai i hiki ke kōkua iā ʻoe e hoʻomaopopo i kāu mau koho.

No ka ʻike hou aku e pili ana iā Medicare ma ʻIlino, hiki iā ʻoe ke kāhea i ka Polokalamu ʻInikua Oihana Ola, e hāʻawi nei i ka ʻōlelo aʻoaʻo manuahi, hoʻokahi a hoʻokahi e pili ana iā Medicare a me nā koho ʻinikua ʻē aʻe.

He aha kaʻu e hana ai ma hope?

Ke mākaukau ʻoe e kūʻai no kahi hoʻolālā Medicare, eia ka mea hiki iā ʻoe ke hana aʻe:

• No ke kau inoa ʻana no nā ʻaoʻao Medicare A a me B, e kāhea aku i ka Social Security Administration.Hiki iā ʻoe ke kāhea iā 800-772-1213, e kipa i kāu keʻena ʻo Social Security, a i ʻole hoʻohana i ka noi Medicare pūnaewele ʻo Social Security.
• Inā hoihoi ʻoe i nā hoʻolālā Medicare Advantage ma Ilinoi, hiki iā ʻoe ke hoʻohālikelike i nā hoʻolālā ma Medicare.gov. Inā ʻike ʻoe i kahi hoʻolālā āu e makemake ai, hiki iā ʻoe ke kākau inoa ma ka pūnaewele.

Ua hōʻano hou ʻia kēia ʻatikala ma ʻOkakopa 2, 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.