ʻO nā hoʻolālā ʻo Montana Medicare ma 2021

Anter

• He aha ka Medicare?
• Medicare kumu
• ʻO Medicare Advantage (ʻĀpana C) a me Medicare ʻĀpana D
• ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma Montana?
• ʻO wai ka mea kūpono no Medicare ma Montana?
• Āhea wau e kākau inoa ai i nā hoʻolālā Medicare Montana?
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana i Medicare ma Montana
• Nā kumuwaiwai ʻo Montana Medicare
• He aha kaʻu e hana ai ma hope?

Hāʻawi nā hoʻolālā Medicare ma Montana i kahi mau koho ākea. Inā makemake ʻoe i ka uhi kumu ʻana ma o Medicare kumu a i ʻole kahi hoʻolālā Medicare Advantage ʻoi aku ka nui, hāʻawi ʻo Medicare Montana i ke komo i nā lawelawe olakino ma ka mokuʻāina.

He aha ka Medicare?

He polokalamu inikua olakino Medicare Montana i kālā kālā ʻia e ke aupuni. Hāʻawi ia i ka uhi olakino no nā makahiki o 65 a ʻoi a me nā mea i loaʻa i kekahi mau maʻi maʻi mau a kīnā ʻole.

Nui nā ʻāpana ma Medicare, a ʻo ka hoʻomaopopo ʻana i kēia mau ʻāpana e kōkua iā ʻoe e koho i ka hoʻolālā Medicare kūpono ma Montana.

Medicare kumu

ʻO Original Medicare ka papahana mālama ʻinikua kumu. Ua wāwahi ʻia i ʻelua mau ʻāpana: Māhele A a me ʻĀpana B.

Māhele A, a i ʻole ka ʻinikua haukapila, he manuahi ʻole ia no kēlā me kēia kanaka i kūpono i nā pono ʻoihana Kaiapili. Uhi ʻia ka ʻāpana A:

• mālama hale maʻi maʻi
• mālama hale hoʻokipa
• kaupalena 'ia no ka mālama pono' ana i kahi kahu hānai
• kekahi o nā lawelawe mālama ola home hapa manawa

Māhele B, a i ʻole ʻinikua lapaʻau, uhi:

• mālama hale maʻi maʻi a me nā ʻoki kino
• nā kānana olakino no ka maʻi diabetes, maʻi maʻi puʻuwai, a me ka maʻi ʻaʻai
• hana koko
• kipa ka hapanui o nā kauka
• nā lawelawe kaʻa kaʻahua

ʻO Medicare Advantage (ʻĀpana C) a me Medicare ʻĀpana D

Hāʻawi ʻia nā hoʻolālā Medicare Advantage (Part C) ma o nā ʻoihana inikua pilikino ma mua o nā ʻoihana pekelala. ʻO kēia ka mea e loaʻa iā ʻoe nā koho he nui aku e pili ana i nā lawelawe i uhi ʻia a me nā uku uku.

ʻO nā hoʻolālā Medicare Advantage ma Montana uhi:

• nā lawelawe a me nā lawelawe olakino āpau i uhi ʻia e nā ʻāpana Medicare kumu A a me B
• koho i ka uhi lāʻau lāʻau
• mālama niho, ʻike maka, a me ka mālama pepeiao
• nā lālā hoʻoikaika kino
• kekahi mau lawelawe halihali

Hāʻawi nā Medicare Part D i nā papa lāʻau lāʻau i ke kuhi e hoʻohaʻahaʻa i kāu kumukūʻai kūʻai lāʻau lapaʻau waho. Aia nā ʻano lāʻau like ʻole, e uhi ana kēlā me kēia i nā lāʻau ʻokoʻa. Hiki ke hoʻohui ʻia kēia mau hoʻolālā i kāu uhi Medicare kumu. E uhi ana ka ʻaoʻao D i ke kumukūʻai o ka nui o nā lāʻau āpau.

Ke koho nei i ka laulima kūpono e pili ana i kāu pono olakino e alakaʻi iā ʻoe e koho i ka Medicare kumu a me ka ʻāpana D, a i ʻole makemake ʻoe e ʻimi i kāu koho Medicare Advantage plan ma Montana.

ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma Montana?

Hāʻawi ʻia nā hoʻolālā maikaʻi e kekahi o nā halihali ʻinikua olakino e loli ma muli o kāu wahi. Hoʻonohonoho ʻia kēia mau hoʻolālā e hālāwai me nā pono olakino o ia wahi, no laila e ʻimi pono i nā hoʻolālā i loaʻa i kou kalana. ʻO kēia nā ʻoihana ʻinikua olakino ma Montana:

• ʻO Blue Cross a me Blue Shield o Montana
• Humana
• ʻO Lasso Healthcare
• ʻO Medicare PacificSource
• ʻO UnitedHealthcare

He mau hoʻolālā ko kēlā me kēia mea lawe ʻinikua pilikino e koho ai, me nā pae uku manuahi, no laila e nānā i nā uku uku a me ka papa inoa o nā lawelawe mālama ola uhi ke hoʻohālikelike ʻia nā hoʻolālā.

ʻO wai ka mea kūpono no Medicare ma Montana?

Pōmaikaʻi nā hoʻolālā Medicare ma Montana i ka poʻe ke huli lākou i 65 mau makahiki a me nā mea me kekahi mau kūlana maʻi maʻamau a kīnā ʻole paha. Kākau inoa ʻia nā kānaka he nui i ka Medicare Part A ma o ka Social Security.

I ka makahiki 65, hiki iā ʻoe ke koho e kākau inoa i ka ʻāpana B, ʻĀpana D, a i kahi hoʻolālā Medicare Advantage. No ke koho ʻia no nā hoʻolālā Medicare ma Montana pono ʻoe e:

• 65 a ʻoi paha makahiki
• he kamaʻāina mau loa ma Montana
• he makaʻāinana U.S.

Hiki paha i nā mākua ma lalo o 65 ke kūpono i ka uhi Medicare. Inā loaʻa iā ʻoe ke kīnā ʻole a i ʻole maʻi maʻi mau e like me amyotrophic lateral sclerosis (ALS) a i ʻole hopena pae renal maʻi (ESRD), hiki paha iā ʻoe ke kūpono no Medicare. Eia kekahi, inā e loaʻa ana iā ʻoe nā pōmaikaʻi ʻInikua Pilikino Pilikino no 24 mau mahina, e hōʻoia ʻoe no Medicare ma Montana pū kekahi.

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

Inā ʻaʻole ʻoe i ʻae inoa inoa ʻia i Medicare Part A, kūpono ʻoe no kahi wā kākau inoa mua (IEP) ke piha iā ʻoe i ka makahiki 65. Hiki iā ʻoe ke hoʻomaka i ke kaʻina hana kākau 3 mau mahina ma mua o kou lā hānau, a hoʻolōʻihi ka IEP i 3 mahina hou aʻe. ma hope o kou lā hānau. Eia nō naʻe, inā ʻoe e kau inoa ma hope o kou lā hānau, e hoʻopaneʻe ʻia nā lā hoʻomaka.

I loko o kāu IEP, hiki iā ʻoe ke kākau inoa i ka ʻāpana B, ʻĀpana D, a i kahi hoʻolālā Medicare Advantage. Inā ʻaʻole ʻoe e kākau inoa i ka ʻāpana D i kāu IEP, pono ʻoe e uku i ka hoʻopaʻi no ke kākau inoa lohi ʻana ma kāu uku D mua i ka wā e hiki mai ana.

Hiki iā ʻoe ke kākau inoa i nā hoʻolālā Medicare Advantage ma Montana a i ʻole kahi ʻāpana B mahele i ka wā kākau inoa Medicare mai ʻOkakopa 15 a Kekemapa 7 i kēlā me kēia makahiki. I loko o kēia wā, hiki iā ʻoe ke hana i nā loli i kāu uhi olakino. Hiki iā ʻoe ke:

• kau inoa i kahi hoʻolālā Medicare Advantage inā loaʻa iā ʻoe kahi Medicare kumu
• kākau inoa i loko o kahi papa lāʻau lāʻau kuhikuhi
• haʻalele i kahi hoʻolālā Medicare Advantage a hoʻi i Medicare kumu
• e kuapo ma waena o nā hoʻolālā Medicare Advantage ma Montana
• kuapo ma waena o nā hoʻolālā lāʻau

Hoʻololi nā hoʻolālā Medicare i kēlā me kēia makahiki, no laila makemake paha ʻoe e loiloi i kāu uhi mai kēlā me kēia manawa. I ka Medicare Advantage wehe manawa hoʻopaʻa inoa mai Ianuali 1 a Malaki 31, hiki iā ʻoe ke hana i hoʻokahi loli i kāu uhi e like me:

• ke hoʻololi nei mai kahi hoʻolālā Medicare Advantage i kekahi
• ke haʻalele nei i kahi hoʻolālā Medicare Advantage a hoʻi i Medicare kumu

Inā ua nalowale kāu uhi limahana o kēia manawa, ua neʻe aku i waho o kahi e uhi ai, a i ʻole kūpono no Medicare Montana ma muli o ke kīnā, hiki iā ʻoe ke noi no kahi manawa kau inoa kūikawā e noi ai no Medicare a e hoʻololi paha i kāu uhi.

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

Nui nā mea e noʻonoʻo ai i ka hoʻohālikelike ʻana i nā hoʻolālā Medicare ma Montana, akā me kahi manawa a me ka noiʻi, hiki iā ʻoe ke hilinaʻi i kāu hoʻoholo. Eia kekahi mau ʻōlelo aʻoaʻo e kōkua iā ʻoe e koho i kahi hoʻolālā e kū i kāu mau pono.

• Kākau i kāu pono olakino a pau. Uhi ʻia kēia mau pono e Medicare kumu? Inā ʻaʻole, e nānā no nā hoʻolālā Medicare Advantage ma Montana e hāʻawi nei i ka uhi e pono ai, a aia nō i loko o kāu waihona kālā.
• Kākau i kāu mau lāʻau āpau. Hoʻopili kēlā me kēia papa lāʻau a me ka papa Advantage i nā lāʻau like ʻole, no laila e ʻike pono i kahi hoʻolālā e hāʻawi i ka uhi lāʻau lapaʻau kūpono.
• E ʻike i ka pūnaewele ʻinikua kāu kauka. Hana pū kēlā me kēia mea ʻinikua pilikino me nā mea hoʻolako pūnaewele, no laila e hōʻoia e ʻae ʻia kāu kauka e ka hoʻolālā āu e noʻonoʻo nei.

Nā kumuwaiwai ʻo Montana Medicare

Hiki iā ʻoe ke ʻike hou aʻe e pili ana iā Medicare Montana, a i ʻole ke kiʻi ʻana i nā kumuwaiwai hou aku, ma ke kāhea ʻana:

ʻO Medicare (800-633-4227). Hiki iā ʻoe ke kāhea iā Medicare no ka ʻike hou aku e pili ana i nā hoʻolālā i hāʻawi ʻia, a no nā ʻōlelo aʻoaʻo hou aʻe e pili ana i ka hoʻohālikelike ʻana i nā hoʻolālā Advantage i kou kalana.

Ke Keʻena ʻOihana Ola Ola a me nā lawelawe kanaka ʻo Montana, ʻĀpana ʻoihana kiʻekiʻe a me nā wā lōʻihi (406-444-4077). E ʻike i ka ʻike e pili ana i ka papahana kōkua SHIP, nā lawelawe kaiāulu, a me nā koho mālama home.

Komisina o ka palekana a me ka ʻinikua (800-332-6148). E kiʻi i ke kākoʻo Medicare, e ʻike hou aʻe e pili ana i nā wā kau inoa, a i ʻole e loaʻa i ke kōkua pilikino.

He aha kaʻu e hana ai ma hope?

Ke noiʻi nei ʻoe i kāu koho koho, e loiloi pono i kāu pono olakino o kēia manawa a me kāu moʻohelu kālā e hōʻoia i nā hoʻolālā āu e noʻonoʻo nei e mālama a hoʻomaikaʻi paha i kou ola.

• E ʻike pono ke hāʻawi ʻia nā hoʻolālā āu e hoʻohālikelike nei i kāu kalana a me ka helu kuhi.
• E heluhelu i nā helu helu CMS hōkū o nā hoʻolālā āu e noʻonoʻo nei. Ua helu ʻia nā hoʻolālā me ka helu 4 a i ʻole 5 hōkū ma ke ʻano he hoʻolālā nui.
• Kāhea i ka mea hāʻawi hoʻolālā Advantage a i ʻole e kiʻi i kā lākou pūnaewele no ka ʻike hou aku.
• E hoʻomaka i ke kaʻina noi noi ma o ke kelepona a pūnaewele paha.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 10, 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.