Nā Hoʻolālā Medicare ʻo Michigan ma 2021

Anter

• ʻO Medicare ma nā kikoʻī ʻo Michigan
• Nā koho Medicare ma Michigan
• Medicare kumu
• ʻO ka Medicare Advantage ma Michigan
• ʻO nā hoʻolālā kōkua Medicare ma Michigan
• Ke kau inoa ʻana o Medicare ma Michigan
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana i Medicare ma Michigan
• Nā kumuwaiwai ʻo Medicare Michigan
• He aha kaʻu e hana ai ma hope?
• ʻO ka lawe lawe ʻana

He papahana pekelala ʻo Medicare e kōkua i ka poʻe mākua a me ka poʻe ʻōpio me ke kino kīnā e uku no ke olakino. Ma ʻō a puni ka ʻāina, aneane he 62.1 miliona mau kānaka i loaʻa i ko lākou ola kino mai Medicare, me kahi o 2.1 miliona mau kānaka ma Michigan.

Inā ʻoe e kūʻai no nā hoʻolālā Medicare ma Michigan, e noʻonoʻo paha ʻoe he aha nā koho i loaʻa a pehea e koho ai i ka hoʻolālā kūpono iā ʻoe.

ʻO Medicare ma nā kikoʻī ʻo Michigan

Ua hōʻike ʻo Centres for Medicare & Medicaid Services (CMS) i kēia mau ʻike e pili ana i nā hana Medicare ma Michigan no ka makahiki 2021.

• Ua kākau inoa ʻia he 2,100,051 mau kamaʻāina o Michigan i Medicare.
• Ua hoʻemi ka awelika Medicare Advantage mahina premium ma Michigan i hoʻohālikelike ʻia i ka makahiki i hala - mai $ 43.93 i ka 2020 a i $ 38 i ka 2021.
• Loaʻa nā hoʻolālā 169 Medicare Advantage ma Michigan no 2021, ke hoʻohālikelike ʻia i nā hoʻolālā 156 ma 2020.
• Loaʻa i nā kamaʻāina ʻo Michigan āpau me Medicare ke kūʻai aku i kahi hoʻolālā Medicare Advantage, me nā hoʻolālā me $ 0 premiums.
• Aia he 29 kū kaʻawale Medicare Part D hoʻolālā i loaʻa ma Michigan no 2021, ke hoʻohālikelike ʻia me nā hoʻolālā 30 ma 2020.
• Loaʻa i nā kamaʻāina ʻo Michigan āpau me kahi hoʻolālā ʻĀpana D kū hoʻokahi i kahi hoʻolālā me ka uku haʻahaʻa o ka mahina ma mua o ka uku ma 2020.
• Aia he 69 mau kulekele Medigap ʻokoʻa i hāʻawi ʻia ma Michigan no 2021.

Nā koho Medicare ma Michigan

Ma Michigan, aia ʻelua mau koho nui no ka laulā Medicare: ʻo Medicare kumu a me Medicare Advantage. Mālama ʻia ke kumu Medicare e ke aupuni pekelala, ʻoiai ʻo Medicare Advantage hoʻolālā e hāʻawi ʻia e nā ʻoihana pilikino.

Medicare kumu

ʻElua ʻāpana ʻo Medicare: Māhele A a me ʻĀpana B.

Kōkua ka ʻāpana A (ʻinikua haukapila iā ʻoe) e uku no nā lawelawe e like me ka noho ʻana i ka haukapila maʻi a me ka mālama pono ʻana i kahi ʻoihana kahu maʻi.

Kōkua ka ʻāpana B (ʻinikua lapaʻau) iā ʻoe e uku no nā lawelawe lapaʻau he nui, e like me nā lawelawe a nā kauka, nā loiloi olakino, a me ka mālama maʻi maʻi maʻi.

ʻO ka Medicare Advantage ma Michigan

ʻO nā hoʻolālā Medicare Advantage nā ala ʻē aʻe e loaʻa ai kāu uhi Medicare. Kāhea ʻia lākou i kekahi manawa ʻĀpana C. Pono kēia mau hoʻolālā pūʻulu e uhi i nā ʻoihana Medicare A a me B. I ka manawa pinepine, hoʻokomo lākou i ka ʻāpana D. Hāʻawi paha nā hoʻolālā Medicare Advantage i nā keu keu keu, e like me ka ʻike, ka niho, a me ka mālama pepeiao.

Ma ke ʻano he kamaʻāina ʻo Michigan, loaʻa iā ʻoe nā koho Medicare Advantage he nui. I ka makahiki 2021, hāʻawi nā ʻoihana ʻinikua aʻe i nā hoʻolālā Medicare Advantage ma Michigan:

• ʻO Aetna Medicare
• Pūnaewele mālama polū
• ʻO Blue Cross Blue Shield o Michigan
• HAP Pūnaewele Hou
• Humana
• Medicare Ola Nui
• ʻO Reliance Medicare Advantage
• ʻO UnitedHealthcare
• ʻO WellCare
• ʻO Zing Health

Hāʻawi kēia mau ʻoihana i nā hoʻolālā i nā kalana he nui ma Michigan.Eia nō naʻe, ʻokoʻa 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.

No kekahi mau Mikaiganders, aia ke kolu o ke ala e kiʻi iā Medicare: MI Health Link. ʻO kēia mau hoʻolālā mālama mālama no nā poʻe i kākau inoa ʻia ma Medicare a me Medicaid.

ʻO nā hoʻolālā kōkua Medicare ma Michigan

ʻO nā hoʻolālā Medicare (Medigap) kahi ʻano o ka ʻinikua Medicare i kūʻai ʻia e nā ʻoihana pilikino. Hoʻonohonoho ʻia lākou e kōkua i ka uhi ʻana i nā kumukūʻai Medicare kumu, e like me:

• puʻukū kālā
• kopeka
• unuhi ʻia

Aia he 10 mau hoʻolālā Medigap, a hāʻawi ʻia i kēlā me kēia inoa i kahi inoa leka. He mea ʻole ka ʻoihana hea ʻoe e hoʻohana ai, pono like ka uhi ʻana i hāʻawi ʻia e kahi palapala leka. Eia nō naʻe, ʻokoʻa ke kumukūʻai a me ka loaʻa o kēlā me kēia hoʻolālā e pili ana i ka mokuʻāina, kalana, a i ʻole ka helu ZIP āu e noho ai.

Ma Michigan, hāʻawi nā ʻoihana ʻinikua he nui i nā hoʻolālā Medigap. E like me ka 2021, ʻo kekahi o nā ʻoihana e hāʻawi nei i nā hoʻolālā Medigap ma Michigan pū kekahi:

• AARP - UnitedHealthcare
• ʻO Blue Cross Blue Shield o Michigan
• ʻO Cigna
• Kolonā Penn
• Humana
• ʻO ke olakino makakoho
• Mahiʻai Mokuʻāina

I ka hōʻuluʻulu, he 69 kāu mau kulekele Medigap ʻokoʻa i loaʻa e koho ai mai kēia makahiki inā ʻoe e noho ana ma Michigan.

Ke kau inoa ʻana o Medicare ma Michigan

Inā loaʻa iā ʻoe nā kōkua hoʻomaha nohona maluhia, e kaha inoa inoa ʻia ʻoe ma Medicare ke huli ʻoe i 65. Hiki iā ʻoe ke helu inoa pū ʻia i ka hoʻomaka ʻana o kāu 25th mahina ma SSDI inā he ʻōpio ʻōpio me ke kīnā ʻole.

Inā ʻaʻole ʻoe e kau inoa inoa ʻia i Medicare, hiki iā ʻoe ke kau inoa i kekahi mau manawa i ka makahiki. Loaʻa nā manawa kau inoa aʻe:

• Wā kākau inoa mua. Inā kūpono ʻoe no Medicare ma 65, hiki iā ʻoe ke kau inoa i loko o ka wā kau inoa mua 7-mahina. Hoʻomaka kēia wā i 3 mau mahina ma mua o ka mahina e hala ʻoe i 65, e komo pū me kou malama lā hānau, a hoʻopau i 3 mau mahina ma hope o kou malama lā hānau.
• ʻO Medicare wehe manawa hoʻopaʻa inoa. Inā loaʻa iā ʻoe Medicare, hiki iā ʻoe ke hoʻololi i kāu uhi ʻana ma waena o ʻOkakopa 15 a me Kekemapa 7 i kēlā me kēia makahiki. Hoʻopili kēia i ke komo ʻana i kahi hoʻolālā Medicare Advantage.
• ʻO Medicare Advantage wehe manawa hoʻopaʻa inoa. Ma waena o Ianuali 1 a me Malaki 31 i kēlā me kēia makahiki, hiki i nā poʻe me nā hoʻolālā Medicare Advantage ke hoʻololi i kā lākou uhi. I kēia manawa, hiki iā ʻoe ke hoʻololi i kahi hoʻolālā Medicare Advantage hou a i ʻole hoʻi i ka Medicare kumu.
• Nā wā kau inoa kūikawā. Hiki iā ʻoe ke kau inoa i nā manawa ʻē aʻe o ka makahiki inā ʻike ʻoe i kekahi hanana o ke ola, e like me ka nalo ʻana i kāu hoʻolālā olakino hoʻokumu a hana manawaleʻa paha i kahi ʻāina ʻē.

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

Ke koho nei i kahi hoʻolālā Medicare ma Michigan kahi hoʻoholo nui. Eia kekahi mau mea āu e makemake ai e noʻonoʻo e pili ana i ke kūʻai ʻana.

• Pūnaewele hoʻolako. Inā koho ʻoe e kākau inoa i kahi hoʻolālā Medicare Advantage, pono ʻoe e mālama i kāu mālama mai nā mea lawelawe pūnaewele. Ma mua o kou kau inoa ʻana, e ʻike inā ʻo nā kauka, nā haukapila, a me nā pono hana āu e kipa aku ai, he ʻāpana ia o ka pūnaewele o ka hoʻolālā.
• Wahi lawelawe. Loaʻa ka Medicare Original ma ka ʻāina holoʻokoʻa, akā lawelawe nā hoʻolālā Medicare Advantage i nā wahi lawelawe liʻiliʻi. E ʻike he aha nā wahi lawelawe o kēlā me kēia hoʻolālā, a me nā ʻāpana e loaʻa iā ʻoe inā ʻoe e hele i waho o ka wahi lawelawe.
• Nā kumu kūʻai o waho o ka ʻeke. Pono paha ʻoe e uku i nā uku, deductibles, a i ʻole copayments no kāu uhi Medicare. Loaʻa i nā hoʻolālā Medicare Advantage ka uku makahiki ma waho o ka pocket. E hōʻoia i ka hoʻolālā āu e koho ai e pili i kāu moʻohelu kālā.
• Nā Pōmaikaʻi. Pono nā hoʻolālā Medicare Advantage e uhi i nā lawelawe like me Medicare kumu, akā hāʻawi paha lākou i nā keu keu, e like me ka mālama niho a me ka ʻike. Hāʻawi paha lākou i nā perks e like me nā papahana pono a me nā lāʻau ʻoi loa.
• ʻO kāu uhi ʻē aʻe. I kekahi manawa, ke kau inoa inoa ʻana no kahi papahana Medicare Advantage ʻo ia hoʻi ka nalowale ʻana o kāu hui a i ʻole ka luna hana. Inā loaʻa iā ʻoe kahi uhi, e ʻike pehea e loli ai iā Medicare ma mua o kāu hoʻoholo ʻana.

Nā kumuwaiwai ʻo Medicare Michigan

Inā makemake ʻoe e aʻo hou aʻe e pili ana i nā hoʻolālā Medicare ma Michigan, kōkua paha kēia mau kumuwaiwai:

• ʻO ka Polokalamu Kōkua Medicare / Medicaid Kōkua, 800-803-7174
• Palekana kaiapili, 800-772-1213

He aha kaʻu e hana ai ma hope?

Inā mākaukau ʻoe e kau inoa no Medicare, a i ʻole inā makemake ʻoe e aʻo hou e pili ana i nā hoʻolālā Medicare Advantage ma Michigan:

• Kāhea aku i ka Polokalamu Kōkua Medicare / Medicaid Kōkua e kiʻi i ka ʻōlelo aʻoaʻo kōkua pōmaikaʻi manuahi a kōkua i ka hoʻokele ʻana iā Medicare.
• Hoʻopiha i kahi noi pono pūnaewele ma ka pūnaewele Social Security, a i ʻole noi i loko o ke kanaka ma kahi keʻena Social Security.
• Hoʻohālikelike i nā hoʻolālā Medicare Advantage ma Medicare.gov, a kau inoa i kahi hoʻolālā.

ʻO ka lawe lawe ʻana

• Ma kahi o 2.1 miliona mau kānaka ma Michigan i kākau inoa ʻia i Medicare ma 2020.
• Aia kekahi mau ʻoihana ʻinikua pilikino e hāʻawi ana i nā ʻano Medicare Advantage ma Michigan.
• Ma ke ʻano holoʻokoʻa, ua hoʻemi ʻia nā kumukūʻai uku mahina no 2021 Medicare Advantage plan ma Michigan.
• Aia kekahi mau ʻāpana D a me Medigap koho inā ʻoe e noho ana ma Michigan a makemake e kūʻai i kēlā mau hoʻolālā.

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.