ʻO Plans Medicare Virginia ma 2021

Anter

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

Hāʻawi ʻo Medicare i ka ʻinikua olakino olakino ma mua o 62 miliona mau ʻAmelika, me 1.5 miliona mau Virginians. Uhi ʻia kēia papahana aupuni i ka poʻe ma luna o 65 mau makahiki, a me nā ʻōpio ʻōpio me ke kino kīnā.

Ma kēia ʻatikala, e ʻimi mākou pehea e hana ai ʻo Medicare, ʻo wai ka mea kūpono, pehea e kākau inoa ai, a me nā ʻōlelo aʻoaʻo no ke kūʻai no nā hoʻolālā Medicare ma Virginia.

He aha ka Medicare?

Inā ʻoe e noho ana i Virginia, hiki iā ʻoe ke koho ma waena o Medicare kumu a me kahi hoʻolālā Medicare Advantage. ʻO Medicare lāua ʻelua, akā hāʻawi lāua i kāu mau pono i nā ʻano like ʻole.

Hoʻokele ʻia ke Medicare Original e ke aupuni, ʻoiai ke kūʻai ʻia nei nā hoʻolālā Medicare Advantage e nā ʻoihana inikua pilikino.

ʻElua ʻāpana ʻo Medicare:

• Māhele A (ʻinikua haukapila). ʻO nā lawelawe i uhi ʻia e ka ʻāpana A e komo pū me ka mālama maʻi maʻi i nā haukapila a me kahi mālama mālama hānai wā pōkole. Hāʻawi kālā ʻia ka ʻāpana A e nā ʻauhau Medicare, no laila ʻaʻole pono ka hapa nui o ka poʻe e uku i kahi uku no kēlā me kēia mahina.
• Māhele B (ʻinikua olakino). Māhele ka ʻāpana B i nā mea e like me nā lawelawe a ke kauka, mālama waho, a me nā lawelawe pale. ʻOkoʻa ka uku o ka ʻāpana B ma muli o kāu loaʻa kālā.

ʻAʻole uku ka Original Medicare no ka 100 pakeneka o nā lawelawe lawelawe. Ma hope o ka hālāwai ʻana me kahi deductible, pono ʻoe e uku i ka coinsurance a i ʻole nā ​​copayments. Inā makemake ʻoe i ke kōkua no ka uku ʻana i kēia mau koina, hiki iā ʻoe ke kiʻi i ka inikua kōkua Medicare, i kapa ʻia ʻo Medigap. Kūʻai ʻia kēia mau kulekele e nā ʻoihana pilikino.

Ma Virginia, hiki iā ʻoe ke kau inoa no ka uhi lāʻau lāʻau. ʻIke ʻia kēia mau hoʻolālā ʻo Medicare Part D, a hāʻawi ʻia lākou e nā ʻoihana pilikino. Hiki i kahi hoʻolālā lāʻau ke kōkua iā ʻoe e uku no nā lāʻau lapaʻau a me nā inoa inoa inoa inoa inoa inoa.

ʻO nā hoʻolālā Medicare Advantage (ʻĀpana C) kāu koho ʻē aʻe ma Virginia. Hāʻawi lākou i nā ʻoihana Medicare a pau a me nā lawelawe B, a mahele pinepine i ka ʻĀpana D, i hoʻokahi hoʻolālā kūpono. Aia i ka hoʻolālā āu e koho ai, uhi paha lākou i nā keu keu, e like me ka mālama niho, ka hoʻolohe ʻana, a me ka mālama ʻike ʻana. Hoʻolālā kekahi mau Medicare Advantage i ka lālā gym a me nā perks ʻē aʻe.

ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma Virginia?

Hāʻawi nā ʻoihana ʻinikua he nui i nā hoʻolālā Medicare Advantage ma Virginia, me kēia mau mea:

• ʻAetna
• ʻO Anthem Blue Cross Blue Shield
• Nā Puʻukū Ola Anthem
• Humana
• Ola Ola Hou
• Kaiser Permanente
• Optima
• ʻO UnitedHealthcare

Hāʻawi kēia mau ʻoihana i nā hoʻolālā i nā kalana he nui ma Virginia. 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.

ʻO wai ka mea kūpono i Medicare ma Virginia?

Aia kekahi mau ala e hiki ai iā ʻoe ke kūpono no Medicare ma Virginia, me:

• He 65 a keu kou mau makahiki. Inā he kamaʻāina ʻoe a i ʻole he kamaʻāina paʻa i noho ma ka ʻāina no ʻelima mau makahiki, hiki ke koho ʻia i kou wā i piha i ka makahiki 65.
• Yloaʻa iā ʻoe ka ʻInikua Pilikino Pilikino Pilikino (SSDI). Inā loaʻa iā ʻoe kahi kīnā a loaʻa iā SSDI, e kūpono ʻoe no Medicare ma hope o ka wā kali o 2 makahiki.
• Loaʻa iā ʻoe ka hopena o ka maʻi hōʻeha (ESRD) a i ʻole amyotrophic lateral sclerosis (ALS). Ua kūpono ʻoe no Medicare i kēlā me kēia makahiki inā ʻike ʻia ʻoe me ESRD a i ʻole ALS.

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

Hoʻokomo inoa ʻia ʻoe i nā ʻāpana Medicare A a me B inā ʻoe i loko o kekahi o nā hanana aʻe:

• He ʻōpio ʻoe ma mua o 65 a he kīnā kou. I ka manawa e loaʻa ai iā ʻoe nā pono kīnā ʻole Social Security no 24 mau mahina, e loaʻa aunoa ʻoe iā Medicare.
• Ke hoʻohuli nei ʻoe i ka makahiki 65 a loaʻa iā Social Security. Inā ke loaʻa nei iā ʻoe nā pōmaikaʻi pension Social Security, e hoʻomaka aunoa kāu hoʻopili Medicare ke huli ʻoe i 65 mau makahiki.

Inā ʻaʻole ʻoe e loaʻa aunoa iā Medicare, hiki iā ʻoe ke kau inoa i hoʻokahi o nā manawa kau inoa aʻe:

• Manawa Hoʻokomo Mua. ʻO kēia manawa he 7 mau mahina kou manawa kūpono e loaʻa ai iā Medicare ke huli ʻoe i 65 mau makahiki. Hoʻomaka ia i 3 mau mahina ma mua o ka mahina o kāu lā hānau 65th a pau i 3 mau mahina ma hope o kou malama lā hānau.
• Wā kākau inoa wehe Medicare. Ma waena o ʻOkakopa 15 a me Kekemapa 7 i kēlā me kēia makahiki, hiki iā ʻoe ke hoʻololi i kāu uhi Medicare. I kēia manawa, ʻae ʻia ʻoe e kau inoa no kahi hoʻolālā Medicare Advantage.
• ʻO Medicare Advantage Open Enrolment Period. Mai Ianuali 1 a Malaki 31 i kēlā me kēia makahiki, hiki iā ʻoe ke hoʻololi i kahi hoʻolālā Medicare Advantage ʻokoʻa.

Inā ʻike ʻoe i kekahi hanana ola, hiki iā ʻoe ke kūpono no kahi wā kākau inoa kūikawā. Kuhi kēia hiki iā ʻoe ke kau inoa no Medicare ma waho o nā kau inoa makahiki. He wā kau inoa kūikawā paha kāu inā e lilo kāu hoʻolālā olakino o kāu luna hana, e laʻa me.

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

Ke hoʻoholo nei ma waena o Medicare kumu a me Medicare Advantage, a me nā ʻāpana like ʻole a me nā mea hoʻopili, e hoʻomanaʻo i kēia mau mea:

• ʻO ka helu helu CMS hōkū. Hoʻohana nā Centres for Medicare & Medicaid Services (CMS) i kahi ʻōnaehana helu helu 5-hōkū e kōkua iā ʻoe e hoʻohālikelike i ka maikaʻi o nā hoʻolālā Medicare. Loiloi ʻia nā hoʻolālā ma kahi o 45 mau kumu, e like me ka hoʻonohonoho mālama ʻana a me ka lawelawe ʻana o nā mea kūʻai aku.
• Pūnaewele kauka. Ke komo ʻoe i kahi hoʻolālā Medicare Advantage, pono ʻoe e ʻike i nā kauka i ka pūnaewele o ka hoʻolālā. Inā he kauka makemake ʻoe, e ʻike i nā hoʻolālā a lākou e komo ai ma mua o kou koho ʻana i kāu hoʻolālā.
• Hoʻolālā i nā kumukūʻai. Ke kau inoa ʻoe no kahi hoʻolālā Medicare Advantage, pono ʻoe e uku i kahi uku mahina ma luna o ka uku Medicare ʻāpana B. ʻO nā kumu kūʻai ʻē aʻe e noʻonoʻo ai e pili ana i nā unuhi o ka hoʻolālā, coinsurance, a me nā copayments.
• Nā lawelawe i uhi ʻia. Hiki paha i nā hoʻolālā Medicare Advantage ke uhi i nā lawelawe i hana ʻole ʻia e Medicare kumu, e like me ka mālama niho, ka hoʻolohe ʻana, a i ʻole ka mālama maka. Inā aia kekahi mau lawelawe āu e ʻike ai he pono ʻoe, e ʻike pono e uhi ana kāu hoʻolālā iā lākou.

Nā kumuwaiwai ʻo Virginia Medicare

He polokalamu paʻakikī ʻo Medicare, no laila mai kānalua e nīnau i nā nīnau. No ke aʻo hou ʻana, hiki iā ʻoe ke hoʻokaʻaʻike:

• Polokalamu ʻ Insurancelelo Aʻoaʻo ʻInikua Kōkua ʻInikua ʻo Virginia: 800-552-3402
• Ke Keʻena mālama mālama kaiāulu: 800-772-1213

He aha kaʻu e hana ai ma hope?

Ke mākaukau ʻoe e hoʻomaka i ke kūʻai ʻana no kahi hoʻolālā Medicare, hiki iā ʻoe:

• Kāhea aku i ka Social Security Administration e kau inoa no Medicare. Hiki iā ʻoe ke koho e noi pūnaewele, ma ke kino, a ma o ke kelepona paha.
• E kipa iā Medicare.gov e ʻike i nā hoʻolālā Medicare ma Virginia.
• Kāhea aku i ka Polokalamu ʻ Insurancelelo Aʻoaʻo ʻInikua ʻo Virginia ʻInikua inā ʻoe e kōkua i ka hoʻohālikelike ʻana i nā koho Medicare.

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.