Nā Papahana Medicare Vermont i 2021

Anter

• He aha ka Medicare?
• ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma Vermont?
• ʻO wai ka mea kūpono i Medicare ma Vermont?
• Āhea wau e kākau inoa ai i nā hoʻolālā Medicare Vermont?
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana i Medicare ma Vermont
• Nā kumuwaiwai Vermont Medicare
• He aha kaʻu e hana ai ma hope?

Inā noho ʻoe ma Vermont a kūpono ʻoe e kākau inoa i Medicare, a i ʻole inā e lilo koke ʻoe i mea koho, lawe manawa e hoʻomaopopo piha i kāu koho koho ʻana hiki ke kōkua iā ʻoe e koho i ka uhi ʻoi loa no kāu pono.

ʻO Medicare kahi hoʻolālā ʻinikua olakino i kākoʻo ʻia e ke aupuni no nā makahiki 65 a ʻoi a ʻoi paha me ka poʻe me ke kino kīnā.Aia nā ʻāpana o Medicare hiki iā ʻoe ke kiʻi pololei mai ke aupuni a me nā ʻāpana hiki iā ʻoe ke kūʻai mai nā ʻoihana ʻinikua pilikino e hoʻohui a hoʻololi paha i kēlā uhi.

E heluhelu e aʻo hou aʻe e pili ana iā Medicare a me kāu koho koho ʻana.

He aha ka Medicare?

Hana ʻia ʻo Medicare i nā ʻāpana like ʻole. ʻO nā ʻāpana A a me B nā ʻāpana i hiki iā ʻoe ke loaʻa mai ke aupuni. Hoʻohui pū lākou i ka mea i ʻike ʻia ʻo Medicare kumu.

• ʻO ka ʻāpana A ka ʻinikua haukapila. Kōkua ia i ka uku ʻana i nā kumukūʻai o ka mālama maʻi maʻi āu e loaʻa ai i kahi haukapila, mālama hānai, mālama palena ʻia ma kahi wahi kahu hānai mākaukau, a me kekahi mau lawelawe olakino home palena ʻole.
• Kōkua ka ʻāpana B i ka uku no ka mālama olakino, e like me nā lawelawe a me nā lako āu e loaʻa ai ke hele ʻoe i ke keʻena kauka, me ka mālama pale.

Inā ʻoe a ʻo kāu wahine e hana ana ma kahi o 10 mau makahiki, ʻaʻole paha ʻoe e uku i kahi uku no ka ʻāpana A. ʻO kēia no ka mea ua uku paha ʻoe no ia ma o ka ʻauhau uku. ʻO ka uku āu e uku ai no ka ʻāpana B e pili ana i nā kumu e like me kāu loaʻa kālā.

Uku ka uku Medicare kumu no ka nui, akā aia nā hemahema i ka uhi ʻana. Pono ʻoe e uku i nā kumukūʻai ma waho o ka pocket ke hele ʻoe i ka haukapila a ʻike paha i ke kauka. A ʻaʻohe mea e uhi āpau no nā mea e like me ka niho, ʻike, mālama wā lōʻihi, a i ʻole nā ​​lāʻau lapaʻau. Inā makemake ʻoe i kahi uhi hou aʻe, hiki iā ʻoe ke kūʻai i nā hoʻolālā mai nā ʻoihana pilikino e hiki ai ke hoʻonui i kāu uhi.

ʻO nā hoʻolālā supplement Medicare nā hoʻolālā hiki iā ʻoe ke kūʻai e kōkua i ka uhi ʻana i nā āpau i ka uhi ʻana. Kapa ʻia kēia mau mea i nā hoʻolālā Medigap. Hiki iā lākou ke kōkua i ka hōʻemi ʻana i ke kumukūʻai o ka copay a me ka coinsurance, a hāʻawi paha i ka uhi no ka niho, ʻike, a i ʻole nā ​​lawelawe mālama wā lōʻihi.

Mālama pono nā ʻāpana D i ka uku ʻana i nā kumukūʻai o nā lāʻau lapaʻau.

Hāʻawi nā hoʻolālā Medicare Advantage (ʻĀpana C) i kahi koho "āpau-i-hoʻokahi" i ka loaʻa ʻana o nā ʻāpana A a me B mai ke aupuni mai, a me nā uhi hoʻonui ma o nā ʻinikua pilikino.

Hoʻololi piha nā hoʻolālā Medicare Advantage no Medicare kumu. Koi ʻia ke kānāwai Pekelala e uhi lākou i nā lawelawe like ʻole e like me Medicare kumu. Loaʻa iā lākou kahi uhi kākoʻo, e like me ka mea e loaʻa ai iā ʻoe mai nā mea hoʻopili a me nā hoʻolālā ʻĀpana D, kūkulu ʻia i loko o nā hoʻolālā ʻokoʻa. Hāʻawi pinepine nā hoʻolālā Medicare Advantage i nā keu e like me nā papahana olakino a me ke olakino, a me nā uku hōʻemi lālā.

ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma Vermont?

Inā like paha kahi hoʻolālā Medicare Advantage kūpono paha iā ʻoe, hāʻawi nā ʻoihana ʻinikua pilikino aʻe i kēia mau hoʻolālā ma Vermont:

• Mālama Ola MVP
• ʻO UnitedHealthcare
• ʻO Vermont Blue Advantage
• ʻO WellCare

Hoʻololi 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.

ʻO wai ka mea kūpono i Medicare ma Vermont?

Ua kūpono ʻoe e kākau inoa inā ʻoe:

• 65 a ʻoi paha makahiki
• ʻōpio ma mua o 65 makahiki a loaʻa i kahi kīnā kūpono
• i nā makahiki a pau a loaʻa i ka hopena renal maʻi (ESRD) a i ʻole amyotrophic lateral sclerosis (ALS)

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

Inā hilinaʻi kāu kuleana Medicare i ka makahiki, hoʻomaka kou kau inoa mua i 3 mau mahina ma mua o kou huli ʻana i ka makahiki 65 a hoʻomau no 3 mau mahina ma hope. I kēia wā, he mea maʻalahi ke kākau inoa ma ka ʻāpana A.

Inā ʻoe a ʻo kāu wahine e hoʻomau i ke kuleana no ka uhi olakino kākoʻo a ka luna hana, hiki iā ʻoe ke koho e mālama i kēlā uhi a ʻaʻole kau inoa i ka ʻāpana B a i ʻole ka Medicare supplement supplement i kēia manawa. Inā pēlā, e kūpono ʻoe no kahi wā kākau inoa kūikawā ma hope.

Aia kekahi manawa kau inoa hāmama i kēlā me kēia makahiki, i kahi manawa hiki iā ʻoe ke kākau inoa no ka manawa mua a i ʻole hoʻololi i nā hoʻolālā. ʻO ka wā kākau inoa makahiki no ka Medicare mua ma ʻOkakopa 1 a hiki i Kēkēmapa 7, a ʻo ka wā kākau inoa hāmama no nā hoʻolālā Medicare Advantage ʻo Ianuali 1 a hiki i Malaki 31.

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

Ke hiki mai nei i ke kākau inoa ʻana i nā hoʻolālā Medicare ma Vermont, makemake ʻoe e noʻonoʻo pono i nā ʻano like āu e noi ai i ke kau inoa ʻana i nā hoʻolālā olakino.

• He aha ke kumu kūʻai? Pehea ke kiʻekiʻe o nā uku? A he aha kāu ʻāpana kumukūʻai ke ʻike ʻoe i ke kauka a i ʻole hoʻopiha i kahi kuhikuhi.
  • He aha ke ʻano o ka hoʻolālā? Koi ʻia nā hoʻolālā Medicare Advantage e uhi i nā pono like a pau e like me Medicare kumu akā akā maʻalahi ka hoʻolālā hoʻolālā. ʻO kekahi mau hoʻolālā paha he kumumanaʻo Health Maintenance Organisation (HMO) e koi ai iā ʻoe e koho i kahi mea mālama mālama mua a kiʻi i nā leka no ka mālama kūikawā. ʻO nā mea ʻē aʻe paha he papahana Preferred Provider Organisation (PPO) e hāʻawi iā ʻoe i ke komo i nā loea pūnaewele me ka ʻole o kahi kuhikuhi.
• Kūpono anei ka pūnaewele hāʻawi i kāu pono? Aia pū me nā kauka a me nā haukapila kūpono iā ʻoe? He aha e pili ana i nā mea lawelawe i kāu manawa i pili ai a makemake paha ʻoe e ʻike mau no ka mālama?

Nā kumuwaiwai Vermont Medicare

Hiki ke hoʻohana pono ʻia nā kumuwaiwai hou aʻe inā makemake ʻoe e aʻo hou e pili ana i kāu Medicare koho ma Vermont.

• ʻO ka Council Central Vermont ma ka ʻelemakule. Kāhea i ka Senior HelpLine ma 800-642-5119 me nā nīnau a i ʻole e loaʻa i ke kōkua ma ke kākau inoa ʻana i nā hoʻolālā Medicare ma Vermont.
• ʻO Medicare.gov
• Ka mālama mālama kaiapili

He aha kaʻu e hana ai ma hope?

Ke mākaukau ʻoe e neʻe i mua me ke kākau inoa ʻana i Medicare ma Vermont, e noʻonoʻo i kēia mau hana:

• E hana i kahi noiʻi hou aʻe i kāu koho koho pilikino. ʻO ka papa inoa ma luna kahi wahi maikaʻi loa e hoʻomaka ai e noiʻi i nā hoʻolālā Medicare ma Vermont. Hiki iā ʻoe ke kāhea i ka ʻaha ʻo Vermont Council on Aging's Senior Helpline ma 800-624-5119 no ke kūkākūkā pākahi ma kāu koho Medicare plan.
• E noʻonoʻo paha ʻoe e hana pū ana me kahi agena i ʻike i ke kūʻai aku ʻana i nā hoʻolālā Medicare ma Vermont a hiki ke ʻōlelo iā ʻoe e pili ana i kāu koho kikoʻī kikoʻī.
• Inā ʻoe i kēia manawa i kahi manawa kau inoa, hoʻopiha i ka noi pūnaewele Medicare ma ka pūnaewele Social Security Administration. Lawe ka noi i 10 mau minuke a ʻaʻole koi i kekahi palapala e hoʻopau.

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 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 i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.