Nā Hoʻolālā Medicare ʻo Nevada ma 2021

Anter

• He aha ka Medicare?
• Mahele A
• Mahele B
• Mahele C (Medicare Advantage)
• Mahele D
• ʻInikua kōkua Medicare (Medigap)
• ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma Nevada?
• ʻO wai ka mea kūpono i Medicare ma Nevada?
• Āhea wau e kākau inoa ai i nā hoʻolālā Medicare Nevada?
• Wā kākau inoa mua (IEP)
• Wā kākau inoa nui
• Hoʻokomo inoa Medicare Advantage
• Wehe kau kau
• Nā wā kau inoa kūikawā (SEP)
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana ma Medicare ma Nevada
• Nā kumuwaiwai ʻo Nevada Medicare
• He aha kaʻu e hana ai ma hope?

Inā noho ʻoe ma Nevada a he 65 a ʻoi kou mau makahiki a ʻoi paha, hiki iā ʻoe ke koho no Medicare. ʻO Medicare kahi ʻinikua olakino ma o ke aupuni pekelala. Hiki paha iā ʻoe ke koho inā aia ʻoe ma lalo o 65 mau makahiki a hoʻokō i kekahi mau koi olakino.

E heluhelu e aʻo e pili ana i kāu Medicare koho ma Nevada, i ka manawa a pehea e kākau inoa ai, a me nā anuu aʻe.

He aha ka Medicare?

• Medicare kumu: uhi ka hale hoʻomaha a me ka mālama maʻi maʻi ma lalo o nā ʻāpana A a me B
• Ka Lapaʻau Medicare: nā hoʻolālā ʻinikua pilikino pilikino e ʻākoakoa i nā pono like me Medicare kumu a hāʻawi paha i nā koho kapili hou aʻe
• Medicare Mahele D: uhi kēia mau ʻinikua pilikino i nā kumukūʻai lāʻau lapaʻau
• ʻInikua kōkua kōkua Medicare (Medigap): hāʻawi nā hoʻolālā i ka uhi e kōkua i ka uku no nā hōʻemi, copays, coinsurance, a me nā kumukūʻai Medicare i waho o ka ʻeke.

Mahele A

Uhi ka ʻāpana A i ka mālama i loko o kahi haukapila, i ka haukapila komo pilikia, a i ʻole ka manawa palena i loko o kahi keʻena hānai mākau.

Inā kūpono ʻoe no ka ʻĀpana manuahi ʻole, ʻaʻohe uku o kēlā me kēia mahina no kēia uhi ʻana. E ʻaiʻē ʻoe i kahi hōʻemi ke lawe ʻia ʻoe i ka mālama.

Inā ʻaʻole ʻoe e koho no ka ʻāpana A me ka uku ʻole, hiki iā ʻoe ke loaʻa i ka ʻāpana A akā e uku ʻoe i kahi uku.

Mahele B

Māhele ka ʻāpana B i nā mālama olakino ʻē aʻe ma waho o kahi haukapila, me:

• kipa aku i kāu kauka
• mālama pale
• nā hoʻokolohua lab, nā hōʻike diagnostic, a me nā kiʻi
• lako pono ola kino

Hoʻololi nā uku no kēlā me kēia mahina no ka ʻāpana B i kēlā me kēia makahiki.

Mahele C (Medicare Advantage)

Hāʻawi pū kekahi nā mea ʻinikua pilikino i nā hoʻolālā Medicare Advantage (ʻĀpana C). Hāʻawi nā hoʻolālā Medicare Advantage i nā pono like me nā ʻāpana A a me B o Medicare kumu akā loaʻa pinepine ka keu (me kahi uku keu) i hiki ke komo pū:

• mālama niho, ʻike maka, a me ka mālama pepeiao
• huila noho huila
• ka lawe ʻana i ka papa ʻaina
• ke kauka pono kūpono

Pono ʻoe e kākau inoa i nā ʻāpana A a me ʻĀpana B a uku i ka uku nui o ka ʻĀpana B ke kākau inoa ʻoe i kahi hoʻolālā Medicare Advantage.

Mahele D

Kūpono kēlā me kēia mea ma Medicare no ka uhi lāʻau lāʻau (Part D), akā hāʻawi wale ʻia ia ma o kahi ʻinikua pilikino. He mea nui e hoʻohālikelike i nā hoʻolālā no ka mea ʻokoʻa nā kumukūʻai a me ka uhi ʻana.

ʻInikua kōkua Medicare (Medigap)

Kōkua ka ʻinikua kōkua Medicare (Medigap) i ka uhi ʻana i nā kumukūʻai ma waho o ka ʻeke no nā ʻāpana A a me B. Hāʻawi ʻia kēia mau hoʻolālā ma o nā ʻinikua pilikino.

Kūpono paha nā hoʻolālā Medigap inā he mau koina mālama ola kiʻekiʻe ʻoiai ʻaʻohe o ka Medicare kumu i ka palena o ka lilo makahiki. Hiki i nā hoʻolālā Medigap ke kōkua i ka hoʻoluhi i ka hopohopo e pili ana i nā lilo o ke olakino ʻike ʻole inā ʻoe e koho i hoʻokahi me ka maximum out-of-pocket.

ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma Nevada?

Hāʻawi ʻia nā hoʻolālā Medicare Advantage ma Nevada i ʻehā mau ʻano:

ʻOihana Hoʻonohonoho Ola (HMO). Me kahi HMO, hoʻohui ʻia kāu mālama e ke kauka mālama mua (PCP) i ka pūnaewele o ka hoʻolālā e kuhikuhi iā ʻoe i nā loea e pono ai. Inā hele ʻoe i waho o ka pūnaewele no kekahi mea koe ka mālama pōpilikia a i ʻole ka dialysis, ʻaʻole paha e uhi ʻia. He mea nui e heluhelu a hāhai i nā rula hoʻolālā āpau.

Pkuhikuhi i nā ʻoihana Hoʻolaha (PPO). Loaʻa i nā hoʻolālā PPO nā pūnaewele o nā kauka a me nā pono e hoʻolako i nā lawelawe i uhi ʻia ma lalo o kāu hoʻolālā. ʻAʻole pono ʻoe i kahi mea kuhikuhi e ʻike ai i ka loea, akā makemake paha ʻoe i kahi PCP e hoʻohui i kāu mālama. E uku hou aʻe ka mālama ma waho o ka pūnaewele.

Uku Pilikino-No-Hana(PFFS). Me kahi PFFS, hiki iā ʻoe ke hele i kekahi kauka i ʻae ʻia e Medicare a i ʻole kahi wahi, akā kūkā lākou i kā lākou helu ponoʻī. ʻAʻole ʻae nā mea hāʻawi i kēia hoʻolālā, no laila e nānā inā komo kāu kauka i makemake ʻia ma mua o kou koho ʻana i kēia koho.

Kālā Pono Pono (SNP). Loaʻa nā SNP i ka poʻe e pono ai i kahi kiʻekiʻe o ka mālama mālama a me ka hoʻohui ʻana. Hiki paha iā ʻoe ke loaʻa i kahi SNP inā ʻoe:

• loaʻa kekahi mau kūlana olakino, e like me ka hopena o ka maʻi renal (ESRD), diabetes, a i ʻole nā ​​ʻano puʻuwai mau
• kūpono no nā Medicare a me Medicaid (ʻelua kūpono)
• noho i ka hale kahu

Hāʻawi ʻia nā hoʻolālā Medicare Advantage ma Nevada e nā mea lawe ʻinikua aʻe:

• ʻO Aetna Medicare
• Hoʻolālā Ola Pono
• ʻO Allwell
• ʻO Anthem Blue Cross a me Blue Shield
• Humana
• ʻO Kamupene ʻInikua Imperial, Inc.
• ʻO Lasso Healthcare
• Papa Hoʻolālā Ola Kaulike
• KohoKalolo
• Kākoʻo ʻo Senior Care Plus
• ʻO UnitedHealthcare

ʻAʻole hāʻawi kēlā me kēia mea lawe i nā hoʻolālā i nā kalana ʻo Nevada āpau, no laila e loli kāu mau koho ma muli o kāu code ZIP.

ʻO wai ka mea kūpono i Medicare ma Nevada?

Ua kūpono ʻoe no Medicare inā he 65 a ʻoi kou mau makahiki a he kamaʻāina a kamaʻāina kū kānāwai paha o ʻAmelika Hui Pū ʻIa no nā makahiki he 5 i hala a ʻoi paha.

Inā ʻoe ma lalo o 65 mau makahiki, hiki iā ʻoe ke koho inā ʻoe:

• loaʻa nā pōmaikaʻi kīnā ʻole mai ka Papa Hoʻomaha Alahao a i ʻole Palekana Pūnaewele
• loaʻa iā ESRD a i ʻole nā ​​mea e loaʻa i kahi transplant kidney
• loaʻa ka amyotrophic lateral sclerosis (ALS)

No ka loaʻa ʻana iā Medicare Part A me ka loaʻa ʻole o ka uku uku mahina, pono ʻoe a i ʻole kāu wahine i nā koi ma ka hana ʻana i kahi hana kahi i uku ai ʻoe i nā ʻauhau Medicare no 10 a ʻoi paha mau makahiki.

Hiki iā ʻoe ke hoʻohana i ka pono pono pūnaewele ʻo Medicare e hoʻoholo i kāu pono.

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

Ua hoʻonohonoho nā Medicare Original, Medicare Advantage, a me Medigap i nā manawa i hiki iā ʻoe ke kākau inoa a hoʻololi paha i nā hoʻolālā a me ka uhi. Inā haʻalele ʻoe i kahi wā kau inoa, pono paha ʻoe e uku i ka hoʻopaʻi ma hope.

Wā kākau inoa mua (IEP)

ʻO ka puka aniani mua e kākau inoa ai ke huli ʻoe i ka makahiki 65. Hiki iā ʻoe ke kākau inoa i kēlā me kēia manawa i nā mahina 3 ma mua, ka mahina o, a i ʻole nā ​​mahina 3 ma hope o kou 65 hānau.

Inā ʻoe e kākau inoa ma mua o kou malama lā hānau, e hoʻomaka ana kāu uhi ʻana ma ka mahina a hala kāu makahiki 65. Inā ʻoe e kali a hiki i kou malama lā hānau a ma hope paha, e lohi ana paha he 2 a 3 mau mahina ma mua o ka hoʻomaka ʻana o ka uhi ʻana.

Ma kāu IEP hiki iā ʻoe ke kau inoa no nā ʻāpana A, B, a me D.

Wā kākau inoa nui

Inā ua hala ʻoe i kāu IEP a pono e kau inoa no Medicare kumu a i ʻole koho koho kuapo, hiki iā ʻoe ke hana i kēia i ka wā kākau inoa nui. ʻO ka manawa kau inoa maʻamau i kēlā me kēia makahiki ma waena Ianuali 1 a me Malaki 31, akā ʻaʻole e hoʻomaka kāu uhi ʻana a hiki i Iulai 1.

Hiki iā ʻoe ke kau inoa no nā ʻāpana A a me B a i ʻole hoʻololi ʻia mai Medicare kumu i Medicare Advantage i ka manawa o ke kau inoa maʻamau.

Hoʻokomo inoa Medicare Advantage

Hiki iā ʻoe ke hoʻololi mai kahi Medicare Advantage plan i kahi ʻē aʻe a i ʻole hoʻololi i Medicare kumu i ka wā o Medicare Advantage wehe inoa. Hoʻokomo ʻia ka Medicare Advantage open enrollment i kēlā me kēia makahiki ma waena Ianuali 1 a me Malaki 31.

Wehe kau kau

I ka wā o ke kākau inoa hāmama ʻana, hiki iā ʻoe ke kākau inoa i kahi papahana ʻĀpana C (Medicare Advantage) no ka manawa mua a hoʻopaʻa inoa paha no ka ʻāpana D kapili inā ʻaʻole ʻoe i hana i ka wā o ka IEP.

Hoʻokomo ʻia ke kākau inoa hāmama ma waena o ʻOkakopa 15 a me Kekemapa 7.

Nā wā kau inoa kūikawā (SEP)

ʻAe ʻo SEP iā ʻoe e kākau inoa ma waho o nā wā kākau inoa maʻamau no kekahi mau kumu, e like me ka nalo ʻana i kahi hoʻolālā i kākoʻo ʻia e ka luna hana, a i ʻole ka neʻe ʻana mai kāu wahi lawelawe o kāu hoʻolālā. ʻO kēia ala, ʻaʻole pono ʻoe e kali no ke kākau inoa hamama.

Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana ma Medicare ma Nevada

Me nā koho he nui i loaʻa, he mea nui e noʻonoʻo i kāu kumukūʻai olakino a me nā pono i kēlā me kēia makahiki e hoʻoholo i ka hoʻolālā maikaʻi loa nāu.

Inā ʻoe e manaʻo i nā koina olakino kiʻekiʻe i ka makahiki e hiki mai ana, makemake paha ʻoe i kahi hoʻolālā Medicare Advantage no laila ua uhi ʻia nā kumukūʻai ma hope o kou hiki ʻana i ka max o ka ʻeke. Hiki ke kōkua i kahi hoʻolālā Medigap me nā lilo olakino kiʻekiʻe.

ʻO nā mea ʻē aʻe e noʻonoʻo ai:

• nā koina uku mahina
• deductibles, copay, a me ka coinsurance
• nā mea hoʻolako i kahi pūnaewele o kahi hoʻolālā

Hiki iā ʻoe ke loiloi i nā lākiō hōkū CMS e ʻike ai i ke ʻano o ka helu ʻana o kekahi mau hoʻolālā i ka maikaʻi a me ka hōʻoluʻolu o ka mea hoʻomanawanui.

Nā kumuwaiwai ʻo Nevada Medicare

No ka ʻike hou aku e pili ana i nā hoʻolālā Medicare ma Nevada, e kiʻi i kekahi o kēia mau kumuwaiwai:

• Polokalamu ʻInikua Olakino Mokuʻāina (SHIP): 800-307-4444
• SeniorRx no ke kōkua ʻana i ka uku ʻana no nā lāʻau lapaʻau: 866-303-6323
• ʻO ka ʻike e pili ana i nā hoʻolālā Medigap a me MA
• Mea hana helu pākuʻi Medicare
• Medicare: kāhea iā 800-MEDICARE (800-633-4227) a i ʻole hele i ka medicare.gov

He aha kaʻu e hana ai ma hope?

E ʻike a kākau inoa ma Medicare ma Nevada:

• E hoʻoholo i kāu mau pono olakino a me nā kumukūʻai olakino hiki ke hiki i kēlā me kēia makahiki i hiki iā ʻoe ke koho i kahi hoʻolālā kūpono, e like me ka hoʻopili ʻana a i ʻole ka ʻaoʻao D.
• Loaʻa nā hoʻolālā noiʻi mai nā mea lawe i kou wahi.
• E kaha i kāu kalena no ka manawa kau inoa pololei no laila ʻaʻole ʻoe e haʻalele i ke kau inoa ʻana.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 13, 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.