Nā Hoʻolālā Medicare Indiana ma 2021

Anter

• He aha ka Medicare?
• Mahele Medicare A
• Mahele B Medicare
• Mahele C (Medicare Advantage)
• Mahele Medicare D
• ʻInikua kōkua kōkua Medicare (Medigap)
• Loaʻa nā hoʻolālā Medicare Advantage ma Indiana?
• ʻO wai ka mea kūpono i Medicare ma Indiana?
• Āhea wau e kākau inoa ai i nā hoʻolālā Medicare Indiana?
• Wā kākau inoa mua
• Ke kākau inoa nui ʻana: Ianuali 1 a Malaki 31
• Hoʻokomo inoa Medicare Advantage: Ianuali 1 a Malaki 31
• Hoʻokomo inoa Medicare: ʻOkakopa 1 a Kekemapa 31
• Wā kākau inoa kūikawā
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana i Medicare ma Indiana
• Nā kumuwaiwai Medicare ʻo Indiana
• He aha kaʻu e hana ai ma hope?

ʻO Medicare kahi papahana ʻinikua olakino pekelala e loaʻa i ka poʻe nona ka makahiki 65 a ʻoi paha, a me nā poʻe ma lalo o 65 mau makahiki i loaʻa kekahi mau olakino olakino a me nā kīnā ʻole.

He aha ka Medicare?

ʻEhā ʻāpana o nā hoʻolālā Medicare ma Indiana.

• Māhele A, ʻo ia ka mālama maʻi maʻi maʻi
• Māhele B, ʻo ia ka mālama maʻi maʻi maʻi
• ʻO ka ʻāpana C, ʻo ia hoʻi ʻo Medicare Advantage
• ʻO ka ʻāpana D, ʻo ia ka laulau lāʻau i kuhikuhi ʻia

Ke piha iā ʻoe i 65 mau makahiki, hiki iā ʻoe ke kau inoa no ka Medicare kumu (Māhele A a me ka ʻĀpana B).

Mahele Medicare A

Kūpono ka hapa nui o ka poʻe e loaʻa ka ʻāpana ʻApana A me ka uku ʻole o ka malama. Inā ʻaʻole ʻoe e kūpono, hiki iā ʻoe ke kūʻai i ka uhi.

Aia ma ka ʻāpana A kahi:

• ke uhi ke komo ʻia ʻoe i kahi haukapila no ka mālama wā pōkole
• kaupalena ʻia no ka mālama ʻana i kahi ʻoihana kahu hānai wā pōkole
• kekahi o nā lawelawe mālama ola home hapa manawa
• hale hoʻokipa

Mahele B Medicare

Loaʻa i ka ʻaoʻao B ʻaoʻao:

• nā kipa 'ana
• pale ʻana a me nā loiloi
• kiʻi a me nā hoʻokolohua hoʻokolohua
• lako pono ola kino
• nā lawelawe a me nā lawelawe i waho

Ma hope o ke kau inoa ʻana no Medicare kumu, hiki iā ʻoe ke hoʻoholo inā makemake ʻoe i kahi hoʻolālā Medicare Advantage (ʻĀpana C) a i ʻole kahi hoʻolālā Medigap, a me ka uhi lāʻau lāʻau i kuhikuhi ʻia.

Mahele C (Medicare Advantage)

Hāʻawi nā halihali ʻinikua pilikino i nā hoʻolālā Medicare Advantage ma Indiana e hoʻopili i nā pono o ka Medicare kumu me ka uhi lāʻau lāʻau a me nā lawelawe ʻē aʻe, e like me ka mālama niho a me ka ʻike. Kūlike ka laulā kikoʻī e ka hoʻolālā a me ka mea lawe.

ʻO kahi pōmaikaʻi ʻē aʻe o nā hoʻolālā Advantage ʻo ia ka palena pau o ka lilo o ka pocket i waho. Ke hōʻea ʻoe i ka palena makahiki i hoʻonohonoho ʻia e ka hoʻolālā, uku kāu hoʻolālā i ke koena o kāu kumukūʻai i ʻae ʻia e Medicare no ka mālama uhi ʻana no ka makahiki.

ʻO ka Medicare kumu, ma ka ʻaoʻao ʻē aʻe, ʻaʻohe ona palena makahiki. Me nā ʻāpana A a me B, uku ʻoe

• he deductible i kēlā me kēia manawa e hoʻokomo ʻia ʻoe i ka haukapila
• ʻemi makahiki no ka ʻāpana B
• kahi pākēneka o nā kumukūʻai lapaʻau ma hope o ka uku ʻana i ka ʻāpana B i hōʻemi ʻia

Mahele Medicare D

Mālama ka ʻaoʻao D i nā lāʻau i kuhikuhi ʻia a me nā lāʻau āpau. Koi ʻia kēia ʻano uhi, akā he mau koho kāu.

• kūʻai i kahi kulekele ʻĀpana D me Medicare kumu
• kau inoa no kahi hoʻolālā Medicare Advantage i hoʻopili ʻia me ka ʻāpana D ʻāpana
• e kiʻi i ka uhi like ʻana mai kahi hoʻolālā ʻē aʻe, e like me kahi papahana i kākoʻo ʻia e ka luna hana

Inā ʻaʻohe ou laulā lāʻau kuhikuhi a mai kau inoa iā ia i ka wā o ke kau inoa mua ʻana, e uku ʻoe i kahi hoʻopaʻi e lohi ana ke komo ʻana.

ʻInikua kōkua kōkua Medicare (Medigap)

Hiki iā Medigap ke kōkua i ka uku ʻana i nā lilo ma waho o ka ʻeke. Aia he 10 mau "hoʻolālā" Medigap e hāʻawi nei i ka uhi: A, B, C, D, F, G, K, L, M, a me N.

He ʻokoʻa ʻokoʻa iki kēlā me kēia hoʻolālā, ʻaʻole kūʻai ʻia nā hoʻolālā āpau i kēlā me kēia wahi. E noʻonoʻo i kāu mau pono ponoʻī i ka nānā ʻana i nā hoʻolālā Medigap, a hoʻohana i ka mea hana loaʻa no ka hoʻolālā Medicare e ʻike i nā hoʻolālā e kūʻai ʻia i kāu code ZIP.

Ma muli o ka hoʻolālā āu e koho ai, uhi ʻo Medigap i kekahi a i ʻole o kēia mau uku Medicare āpau.

• nā uku paneʻe
• puʻukū kālā
• unuhi ʻia
• mālama kahu mālama pono
• mālama olakino pōpilikia

Loaʻa Medigap no ka hoʻohana wale me Medicare kumu. ʻAʻole hiki ke hoʻohui ʻia me nā hoʻolālā Medicare Advantage (ʻĀpana C). ʻAʻole ʻoe e kākau inoa i loko o ka Medicare Advantage a me Medigap.

Loaʻa nā hoʻolālā Medicare Advantage ma Indiana?

Ma Indiana, hāʻule nā ​​hoʻolālā Medicare Advantage ma lalo o ʻehiku mau ʻano:

• Nā hoʻolālā ʻo ka Health Maintenance Organization (HMO). I kahi HMO, koho ʻoe i kahi mea mālama mua (PCP) mai ka pūnaewele o nā kauka o ka hoʻolālā. Hoʻonohonoho kēlā kanaka i kāu mālama, me nā mea kuhikuhi no nā loea. Hoʻokomo pū nā HMO i nā haukapila a me nā pono hana i loko o ka pūnaewele.
• ʻO ka HMO me nā hoʻolālā o ka lawelawe (POS). Mālama ʻo HMO me POS i ka mālama ma waho o kā lākou pūnaewele. Hoʻohui lākou i nā kumukūʻai ʻoi aku i waho o ka ʻeke no ka mālama waho o ka pūnaewele, akā uhi ʻia kekahi o ia kumukūʻai.
• ʻO nā hoʻolālā hoʻonohonoho ʻoihana ʻoi aku ka makemake (PPO). Loaʻa i nā hoʻolālā PPO kahi pūnaewele o nā lawelawe mālama a me nā haukapila a ʻaʻole koi iā ʻoe e kiʻi i kahi PCP e kuhikuhi ai e ʻike i kahi loea. ʻOi aku ke kumu kūʻai o ka mālama ʻana ma waho o ka pūnaewele a ʻaʻole paha e uhi ʻia.
• Hoʻolālā mālama mālama mālama ʻia (PSO). I kēia mau hoʻolālā, lawe nā mea hāʻawi i nā makaʻu kālā o ka mālama, no laila koho ʻoe i kahi PCP mai ka hoʻolālā a ʻae e hoʻohana i nā mea hāʻawi o ka hoʻolālā.
• Nā waihona mālama mālama Medicare (MSA). Pili kahi MSA i kahi hoʻolālā ʻinikua hoʻoliʻiliʻi kiʻekiʻe me kahi waihona mālama kālā no nā lilo olakino kūpono. Uku ʻo Medicare i kāu uku nui a waiho i kekahi nui i kāu waihona i kēlā me kēia makahiki. Hiki iā ʻoe ke ʻimi mālama mai nā kauka.
• Nā hoʻolālā Fee-for-Service (PFFS) ponoʻī. ʻO kēia nā hoʻolālā ʻinikua pilikino e hoʻonohonoho pololei i nā helu uku me nā mea lawelawe. Hiki iā ʻoe ke koho i kekahi kauka a i ʻole kahi pono e ʻae i kāu hoʻolālā PFFS; akā naʻe, ʻaʻole hāʻawi nā mea lawelawe āpau.
• Nā hoʻolālā o ka Society Fraternal Benefits Society. ʻO kēia mau hoʻolālā he HMO, HMO me POS, PPO, a i ʻole PSO i hoʻokumu ʻia e kahi hui hoʻomana a i ʻole ka hui fraternal. Hiki ke kaupalena ʻia ke kākau inoa ʻana i nā poʻe i loko o kēlā hui.

Loaʻa nā Kālā Pono Pono (SNPs) inā ʻoe e pono e mālama hou ʻia. Hāʻawi kēia mau hoʻolālā i kahi uhi hou a me ke kōkua.

Hiki iā ʻoe ke loaʻa kahi SNP inā ʻoe:

• kūpono i ka Medicaid a me ka Medicare
• i hoʻokahi a ʻoi paha nā kūlana mau a disabling paha
• noho i kahi hale mālama wā lōʻihi

Hāʻawi kēia mau lawe ʻinikua i nā hoʻolālā Medicare Advantage ma Indiana:

• ʻAetna
• ʻO Allwell
• ʻO Anthem Blue Cross a me Blue Shield
• Nā Puʻukū Ola Anthem
• MālamaKōkua
• Humana
• Nā Papa Ola Ola o Ke Kulanui o Indiana
• ʻO Lasso Healthcare
• MyTruAdvantage
• ʻO UnitedHealthcare
• ʻO Zing Health

Loaʻa nā hoʻolālā ʻokoʻa i kēlā me kēia kalana ʻo Indiana, no laila pili kāu mau koho i kahi āu e noho ai a me kāu code ZIP. ʻAʻole loaʻa nā hoʻolālā āpau i kēlā me kēia wahi.

ʻO wai ka mea kūpono i Medicare ma Indiana?

I mea e kūpono ai i nā hoʻolālā Medicare Indiana, pono ʻoe:

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

Hiki paha iā ʻoe ke kūpono ma mua o 65 mau makahiki inā ʻoe:

• loaʻa iā ʻInikua Pilikino Pilikino Pilikino (SSDI) a i ʻole nā ​​kōkua kōkua hoʻomaha kaʻaahi (RRB) no 24 mau mahina
• loaʻa ka hopena o ka maʻi hōʻeha (ESRD) a i ʻole kahi transplant kidney
• loaʻa ka amyotrophic lateral sclerosis (ALS), ʻo ka maʻi ʻo Lou Gehrig pū kekahi

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

Hoʻokomo inoa ʻia kekahi poʻe i Medicare, akā pono ka hapa nui e kau inoa i ka wā o ke kau inoa pololei.

Wā kākau inoa mua

Ke hoʻomaka nei i 3 mau mahina ma mua o ka mahina o kāu lā hānau 65th, hiki iā ʻoe ke kākau inoa ma Medicare. E hoʻomaka kāu mau pōmaikaʻi i ka lā mua o kou mahina hānau.

Inā haʻalele ʻoe i kēia kau kau inoa mua, hiki iā ʻoe ke kākau inoa i ka mahina o kou lā hānau a no 3 mau mahina ma hope, akā e hoʻopaneʻe ʻia ka uhi ʻana.

I loko o ka manawa kau inoa mua, hiki iā ʻoe ke kākau inoa i nā ʻāpana A, B, C, a me D.

Ke kākau inoa nui ʻana: Ianuali 1 a Malaki 31

Inā ua hala ʻoe i kāu wā kau inoa mua, hiki iā ʻoe ke kākau inoa i ka hoʻomaka o kēlā me kēia makahiki, akā ʻaʻole e hoʻomaka kāu uhi ʻana a hiki i Iulai 1. ʻO ka lohi o ke kākau inoa ʻana paha e uku ʻoe i ka uku hoʻopaʻi ke kau inoa ʻoe.

Ma hope o ke kau inoa nui ʻana, hiki iā ʻoe ke kau inoa no Medicare Advantage mai ʻApelila 1 a Iune 30.

Hoʻokomo inoa Medicare Advantage: Ianuali 1 a Malaki 31

Inā ua hoʻopaʻa inoa ʻia ʻoe i kahi papahana Medicare Advantage, hiki iā ʻoe ke hoʻololi i nā hoʻolālā a i ʻole hoʻololi i ka Medicare kumu i kēia wā.

Hoʻokomo inoa Medicare: ʻOkakopa 1 a Kekemapa 31

Kapa ʻia kēia wā kau inoa makahiki, he manawa kēia e hiki ai iā ʻoe:

• e kuapo mai Medicare kumu i Medicare Advantage
• kuapo mai Medicare Advantage i ke kumu Medicare
• e kuapo mai kekahi Medicare Advantage plan i kekahi
• e kuapo mai kekahi Medicare Part D (lāʻau lāʻau kuhikuhi) i kekahi

Wā kākau inoa kūikawā

Hiki iā ʻoe ke kākau inoa i Medicare me ke kali ʻole no ka wehe inoa ʻana ma ke koho ʻia no kahi wā kākau inoa kūikawā. E hana maʻamau kēia inā e nalo iā ʻoe ka uhi ma lalo o kahi hoʻolālā i kākoʻo ʻia e ka luna hana, e neʻe i waho o kahi e uhi ai i kāu hoʻolālā, a i ʻole loaʻa ʻole kāu hoʻolālā no kekahi kumu.

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

He mea nui e loiloi i kāu pono olakino a heluhelu pono i kēlā me kēia hoʻolālā i hiki iā ʻoe ke koho i kahi e hāʻawi i ka uhi maikaʻi loa no kāu mau pono. E noʻonoʻo pono:

• inā ʻoe e pono i kahi Medicare kumu a i ʻole Medicare Advantage
• inā ʻo kāu kauka makemake i ka pūnaewele ʻo Medicare Advantage plan
• he aha ke kumukūʻai, lawe ʻia, copay, coinsurance, a me nā koina waho-ʻeke no kēlā me kēia hoʻolālā

I mea e hōʻalo ai i ka hoʻopaʻi o ke kākau inoa lohi, e kau inoa no nā ʻāpana āpau o Medicare (A, B, a me D) a i ʻole e hōʻoia i ka loaʻa ʻana o kahi uhi ʻē aʻe, e like me kahi hoʻolālā i kākoʻo ʻia e ka luna hana, ke huli ʻoe i 65 mau makahiki.

Nā kumuwaiwai Medicare ʻo Indiana

Inā makemake ʻoe i ka ʻike hou a kōkua i ka hoʻomaopopo ʻana i kāu Medicare koho ma Indiana, loaʻa kēia mau kumuwaiwai.

• Ke Keʻena ʻInikua ʻo Indiana, 800-457-8283, e hāʻawi nei i kahi hōʻike Medicare, nā loulou kōkua no Medicare, a kōkua i ka uku ʻana no Medicare
• Polokalamu ʻInikua Olakino Makahiki ʻo Indiana (SHIP), 800-452-4800, kahi e pane ai nā mea manawaleʻa i nā nīnau a kōkua iā ʻoe me ke kākau inoa Medicare
• ʻO Medicare.gov, 800-633-4227

He aha kaʻu e hana ai ma hope?

Eia nā ʻōlelo aʻoaʻo e kōkua ai iā ʻoe e kākau inoa i Medicare:

• E hōʻiliʻili i nā moʻolelo a i ʻole ka ʻike e pili ana i kāu kuhikuhi a me nā kūlana olakino.
• E nīnau i kāu kauka i ka ʻinikua a i ʻole Medicare hoʻolālā a lākou e ʻae ai a komo ai paha.
• E hoʻoholo i ka manawa o kāu kau inoa a hōʻailona i kāu kalena.
• Kākau inoa no ka ʻāpana A a me ka ʻāpana B, a laila hoʻoholo inā makemake ʻoe i kahi hoʻolālā Medicare Advantage.
• Koho i kahi hoʻolālā me ka uhi āu e makemake ai a me nā mea hoʻolako āu e makemake ai.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 20, 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.