Nā Papa Kuhikuhi Maine Medicare ma 2021

Anter

• He aha ka Medicare?
• Mahele Medicare A
• Mahele B Medicare
• Mahele Medicare C
• Mahele Medicare D
• He aha nā hoʻolālā Medicare Advantage i loaʻa ma Maine?
• ʻO wai ka mea kūpono i Medicare ma Maine?
• Āhea wau e kākau inoa ai i nā hoʻolālā Medicare Maine?
• Wā kākau inoa mua
• Ke kākau inoa nui ʻana: Ianuali 1 a Malaki 31
• Wā kākau inoa: ʻOkakopa 15 a Kekemapa 7
• Wā kākau inoa kūikawā
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana i Medicare ma Maine
• Nā kumuwaiwai Maine Medicare
• He aha kaʻu e hana ai ma hope?

Ua kūpono ʻoe i ka mālama mālama ola Medicare ke piha iā ʻoe i 65 mau makahiki. ʻO Medicare kahi papahana inikua olakino pekelala e hāʻawi nei i nā hoʻolālā ma waena o ka mokuʻāina. Loaʻa i nā Medicare Maine kekahi mau koho lūlū e koho ai, no laila hiki iā ʻoe ke koho i ke kūlike ʻoi loa no kāu mau pono.

E hoʻolōʻihi i kahi manawa e hoʻoholo ai i kāu kūpono, e noiʻi i nā hoʻolālā like ʻole, a e ʻike hou aʻe e pili ana i ke kākau inoa ʻana i nā hoʻolālā Medicare ma Maine.

He aha ka Medicare?

I ka nānā mua ʻana, hiki i ka Medicare ke paʻakikī. Nui nā ʻāpana, nā ʻano ʻaoʻao āpau, a me kahi pae o nā uku. ʻO ka hoʻomaopopo ʻana iā Medicare Maine e kōkua iā ʻoe e hoʻoholo i ka mea maikaʻi loa iā ʻoe.

Mahele Medicare A

ʻO ka ʻāpana A ka ʻāpana mua o Medicare kumu. Hāʻawi ia i ka uhi Medicare maʻamau, a inā kūpono ʻoe i ke kōkua no ka Social Security, e loaʻa iā ʻoe ka ʻāpana A me ka uku ʻole.

Māhele ʻo A i:

• mālama hale maʻi
• kaupalena ʻia no ka mālama pono ʻana i kahi ʻoihana kahu hānai (SNF)
• kaupalena ʻia ka uhi ʻana no kekahi ʻoihana lawelawe mālama home hapa manawa
• mālama hale hoʻokipa

Mahele B Medicare

ʻO ka ʻāpana B ka ʻāpana ʻelua o Medicare kumu. Pono ʻoe e uku i nā uku no ka ʻāpana B. Ua uhi ʻia:

• nā koho a nā kauka
• mālama pale
• nā pono e like me nā mea hele wāwae a me nā noho huila
• mālama ola kino
• nā hoʻokolohua lab a me nā kukuna X
• nā lawelawe olakino noʻonoʻo

Mahele Medicare C

Hāʻawi ʻia nā hoʻolālā ʻĀpana C (Medicare Advantage) ma Maine ma o nā halihali ʻinikua pilikino pilikino i ʻae ʻia e Medicare. Hāʻawi lākou:

• ka uhi kumu like e like me ka Medicare kumu (nā ʻāpana A a me B)
• lāʻau lāʻau lāʻau kuhikuhi
• nā lawelawe hou aku, e like me ka ʻike, ka niho, a i ʻole nā ​​pono e lohe ai

Mahele Medicare D

ʻO ka ʻāpana D ka laʻau lāʻau i kuhikuhi ʻia e hāʻawi ʻia ma o nā lawe ʻinikua pilikino. Hāʻawi ia i ka uhi no kāu lāʻau lapaʻau.

Uhi kēlā me kēia papa i kahi papa inoa ʻokoʻa o nā lāʻau, i ʻike ʻia ma ke ʻano he formulary. No laila, ma mua o ke kākau inoa ʻana i kahi papahana Part D, pono ʻoe e ʻike e uhi ʻia kāu mau lāʻau.

He aha nā hoʻolālā Medicare Advantage i loaʻa ma Maine?

Inā ʻoe e kākau inoa i ka Medicare kumu, e loaʻa iā ʻoe ka ʻinikua olakino kākoʻo aupuni no kahi papa inoa o nā haukapila a me nā lawelawe lapaʻau.

ʻO nā hoʻolālā Medicare Advantage ma Maine, ma ka ʻaoʻao ʻē aʻe, hāʻawi i nā koho laulā kū hoʻokahi a me nā pae uku manuahi, i hoʻolālā ʻia e kūlike i nā pono o nā ʻelemākule. ʻO nā mea lawe o Medicare Advantage hoʻolālā ma Maine:

• ʻAetna
• ʻO ke olakino AMH
• ʻO Harvard Pilgrim Health Care Inc.
• Humana
• ʻO Martin's Point Generations Advantage
• ʻO UnitedHealthcare
• ʻO WellCare

ʻAʻole like ia me Medicare maoli, he papahana aupuni ia, ʻokoʻa kēia mau ʻoihana ʻinikua pilikino mai kēlā me kēia mokuʻāina - ʻoiai ma waena o nā kalana. Ke ʻimi nei i nā hoʻolālā Medicare Advantage ma Maine, e ʻike pono ke hoʻohālikelike wale nei ʻoe i nā hoʻolālā e hāʻawi i ka uhi i kou kalana.

ʻO wai ka mea kūpono i Medicare ma Maine?

I kou noʻonoʻo ʻana i kāu mau koho, he mea kōkua ia e makaʻala i nā koi no ke koho Medicare ma Maine. E koho ʻia ʻoe no Medicare Maine inā ʻoe:

• 65 a ʻoi paha makahiki
• aia ma lalo o ka makahiki 65 a loaʻa i kahi maʻi mau, e like me ka hopena o ka maʻi hōʻino (ESRD) a i ʻole amyotrophic lateral sclerosis (ALS)
• aia ma lalo o ka makahiki 65 a ua loaʻa nā pōmaikaʻi kīnā o ke Kaiāulu no 24 mau mahina
• he kamaʻāina a i ʻole he kamaʻāina paʻa mau

Hiki iā ʻoe ke loaʻa i ka ʻāpana A manuahi manuahi ʻole ma o Medicare Maine inā ʻoe:

• uku i nā ʻauhau Medicare no 10 o kāu mau makahiki hana
• e loaʻa nā pōmaikaʻi līkaia mai ka Social Security a i ʻole ka Papa Hoʻomaha Alahao
• he limahana o ke aupuni

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

Wā kākau inoa mua

ʻO ka manawa kūpono e kākau inoa ai i nā hoʻolālā Medicare ma Maine ʻoiai ia i kou wā kau inoa mua. ʻAe kēia iā ʻoe e kiʻi i ka uhi e pono ai mai ka manawa e piha iā 65 mau makahiki.

ʻO kou wā kau inoa mua he window 7-mahina e hoʻomaka i kahi piha o 3 mau mahina ma mua o kou 65th lā hānau, e pili pū me kou mahina hānau, a hoʻomau no kekahi mau mahina ʻekolu ma hope o kou lā hānau.

Inā kūpono ʻoe i nā pono mālama ola, e kau inoa inoa ʻia ʻoe ma Medicare Maine kumu.

I kēia manawa manawa, hiki iā ʻoe ke kākau inoa i kahi papahana ʻĀpana D a i kahi hoʻolālā Medigap.

Ke kākau inoa nui ʻana: Ianuali 1 a Malaki 31

Pono e loiloi ʻia ka laulā Medicare i kēlā me kēia makahiki e like me ka loli o kāu olakino a i ʻole ke hoʻololi paha nā hoʻolālā i kā lākou mau kulekele uhi.

ʻO ka wā kākau inoa nui mai Ianuali 1 a Malaki 31. ʻAe iā ʻoe e kau inoa no ka Medicare kumu inā ʻaʻole ʻoe i hana pēlā. Hiki iā ʻoe ke hoʻohana i kēia manawa e kākau inoa i nā hoʻolālā Medicare Advantage a i ʻole ka ʻāpana D ʻaoʻao.

Wā kākau inoa: ʻOkakopa 15 a Kekemapa 7

ʻO ka wā kākau inoa hāmama ka lōʻihi mai ʻOkakopa 15 a hiki i Kēkēmapa 7. He manawa ʻē aʻe ia e hiki ai iā ʻoe ke hoʻololi i ka uhi.

I kēia wā, hiki iā ʻoe ke hoʻololi ma waena o nā hoʻolālā Medicare Advantage ma Maine, e hoʻi i ka uhi Medicare kumu, a i ʻole e kākau inoa i ka uhi lāʻau lāʻau.

Wā kākau inoa kūikawā

ʻAe kekahi mau mea iā ʻoe e kākau inoa i Medicare Maine a i ʻole e hoʻololi i kāu hoʻolālā ma waho o kēia mau manawa kau inoa maʻamau. Hiki paha iā ʻoe ke kūpono no kahi wā kau inoa kūikawā inā ʻoe:

• lilo i kāu ʻinikua laulā palekana
• neʻe i waho o kāu wahi hoʻolālā
• neʻe i kahi hale hānai

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

Ke kaupaona nei i kāu mau koho a hoʻohālikelike i nā hoʻolālā Medicare ma Maine, e hāhai i kēia mau ʻōlelo aʻoaʻo:

• E ʻike inā kūpono ʻoe no ke kākau inoa ʻana a, inā hiki, kākau inoa i kāu kau inoa mua.
• E kamaʻilio i ke keʻena o kāu kauka a ʻike i nā pūnaewele hea lākou. Uhi ka Medicare kumu i ka hapa nui o nā kauka; Eia nō naʻe, holo malū ʻia nā hoʻolālā Medicare Advantage ma Maine e hana me nā kauka kikowaena kikoʻī i kēlā me kēia kalana. E hōʻoia i kāu kauka i ka pūnaewele i ʻae ʻia o kekahi hoʻolālā āu e noʻonoʻo nei.
• Inā ʻoe e noʻonoʻo ana i kahi hoʻolālā lāʻau a i ʻole kahi papahana Advantage, e hana i kahi papa inoa piha o kāu mau lāʻau āpau. A laila, e hoʻohālikelike i kēia papa inoa e kūʻē i ka uhi i hāʻawi ʻia e kēlā me kēia hoʻolālā i kāna formulary e ʻike pono i ka hoʻopili ʻia o kāu lāʻau.
• E nānā pehea i hana ai kēlā me kēia hoʻolālā i ka holoʻokoʻa, a nānā i nā helu helu maikaʻi a i ʻole ka ʻōnaehana helu hōkū. Hōʻike kēia pālāki i ka maikaʻi o kahi hoʻolālā i ka maikaʻi o ka mālama olakino, hoʻomalu ʻana o ka hoʻolālā, a me nā ʻike o nā lālā. ʻO kahi hoʻolālā me kahi helu 5-hōkū i hana maikaʻi ʻia. E māʻona paha ʻoe i kēlā hoʻolālā inā kū i kāu mau pono ʻē aʻe āpau.

Nā kumuwaiwai Maine Medicare

Hiki i nā hui mokuʻāina aʻe ke hāʻawi hou aku i ka ʻike e pili ana i nā papahana Medicare a me Medicare Advantage kumu ma Maine:

• ʻO ka mokuʻāina ʻo Maine Aging & Disability Services. Kāhea iā 888-568-1112 a i ʻole ʻike i ka ʻike ma ka pūnaewele e pili ana i ke kākoʻo kaiāulu a me ka home, mālama wā lōʻihi, a me ka ʻōlelo aʻoaʻo kōkua kōkua ola olakino (SHIP), a me nā ʻōlelo aʻo e pili ana iā Medicare.
• Keʻena ʻInikua. Kāhea iā 800-300-5000 a i ʻole nānā i ka pūnaewele no ka ʻike hou aku e pili ana i nā pono Medicare a me nā helu.
• Nā lawelawe loio no ka ʻelemakule. No ka ʻōlelo aʻoaʻo kū kānāwai ʻole e pili ana i ka ʻinikua olakino, nā hoʻolālā Medicare, Social Security, a i ʻole nā ​​pono penihana, e kāhea iā 800-750-535 a e nānā pūnaewele paha.

He aha kaʻu e hana ai ma hope?

Ke kokoke nei ʻoe i kāu lā hānau 65th, e hoʻomaka e ʻike hou aʻe e pili ana i nā hoʻolālā Medicare ma Maine a hoʻohālikelike i kāu koho koho. E makemake paha ʻoe e hana i kēia:

• E noʻonoʻo e pili ana i nā lawelawe olakino āu e makemake ai e kiʻi, a loaʻa i kahi hoʻolālā e kūlike ʻole i kāu waihona kālā wale nō, akā, ʻo kāu olakino pono pū kekahi.
• E hoʻohana i kāu pāʻālua ZIP i ka wā e ʻimi nei i nā hoʻolālā e ʻike pono i kāu mau mea i loaʻa iā ʻoe.
• Kāhea iā Medicare, a i ʻole kahi hoʻolālā Advantage a i ʻole ʻĀpana D hāʻawi, e noi i nā nīnau hope a hoʻomaka i ke kaʻina hana inoa.

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.