14 Pane pinepine ʻia nā nīnau Medicare

Anter

• 1. He aha ka uhi a Medicare?
• Medicare kumu
• Mahele Medicare A
• Mahele B Medicare
• ʻO Medicare Māhele C (Medicare Advantage)
• Mahele Medicare D
• Pākuʻi Medicare (Medigap)
• 2. Uhi ʻia e nā Medicare nā lāʻau lapaʻau?
• Mahele D
• ʻĀpana C
• 3. Āhea wau e kūpono ai no Medicare?
• 4. Āhea wau e kākau inoa ai ma Medicare?
• 5. Ua manuahi ʻo Medicare?
• 6. Ehia nā kumukūʻai o Medicare i 2021?
• Mahele A
• Mahele B
• ʻĀpana C
• Mahele D
• Medigap
• 7. He aha ka unuhi Medicare?
• 8. He aha ke kumu kūʻai Medicare?
• 9. He aha ka copay Medicare?
• 10. He aha ka mālama kālā Medicare?
• 11. He aha ka nui o ka Medicare i waho o ka ʻeke?
• 12. Hiki iaʻu ke hoʻohana iā Medicare ke hele wau ma waho o koʻu mokuʻāina?
• 13. Āhea wau e hoʻololi ai i nā hoʻolālā Medicare?
• 14. He aha kaʻu e hana ai inā e nalo kaʻu kāleka Medicare?
• ʻO ka lawe lawe ʻana

Inā ʻoe a i ʻole kahi mea i aloha ʻia e kau inoa no Medicare a ke hoʻolālā nei paha e kau inoa koke, he mau nīnau paha kāu. E komo paha kēlā mau nīnau: He aha ka uhi a Medicare? ʻO ka papahana Medicare hea e uhi ai i kaʻu mau lāʻau lapaʻau? Ehia mau kumukūʻai o kaʻu Medicare i kēlā me kēia mahina?

Ma kēia ʻatikala, e ʻimi mākou i nā kumuhana e like me ka uhi ʻana, ke kumukūʻai, a me nā mea hou aʻe e kōkua ai e pane i kekahi o nā nīnau Medicare e nīnau mau ʻia.

1. He aha ka uhi a Medicare?

ʻO Medicare kahi ʻāpana A, ʻāpana B, ʻāpana C (pōmaikaʻi), ʻāpana D, a me Medigap - hāʻawi lākou āpau i ka uhi no kāu pono olakino maʻamau.

Medicare kumu

Hoʻomaopopo like ʻia ʻo Medicare Part A a me Part B ma ke ʻano he Medicare kumu. E like me kāu e aʻo ai, uhi wale ʻo Medicare kumu i kāu pono haukapila a me nā mea e pono ai ka lāʻau a pale paha. ʻAʻole ia e uhi i nā lāʻau lapaʻau, nā pale niho a i ʻole ka nānā ʻana i kēlā me kēia makahiki, a i ʻole nā ​​kumukūʻai e pili ana i kāu mālama olakino.

Mahele Medicare A

Uhi ka ʻaoʻao A i nā lawelawe haukapila aʻe:

• mālama hale maʻi maʻi
• mālama hoʻopakele hou
• mālama kahu hānai hānai palena ʻia
• mālama kahu hānai (ʻaʻole kau lōʻihi)
• kaupalena 'mālama ola
• mālama hale hoʻokipa

Mahele B Medicare

Māhele ka ʻāpana B i nā lawelawe olakino e like me:

• mālama olakino pale
• mālama mālama maʻi diagnostical
• ka mālama ʻana i nā kūlana olakino
• lako pono ola kino
• nā lawelawe olakino noʻonoʻo
• kekahi mau lāʻau i kuhikuhi ʻia i waho
• nā lawelawe telehealth (ma ke ʻano he ʻāpana o ka pane i kēia manawa i ka maʻi COVID-19)

ʻO Medicare Māhele C (Medicare Advantage)

ʻO Medicare Advantage kahi koho Medicare i hāʻawi ʻia e nā ʻoihana inikua pilikino. Uhi kēia mau hoʻolālā i nā lawelawe Medicare Part A a me B. Hāʻawi kekahi he nui i ka uhi no nā lāʻau lapaʻau; kahua niho, ʻike maka, a me nā lawelawe hoʻolohe ʻana; nā lawelawe hoʻoikaika kino; a me nā mea hou aʻe.

Mahele Medicare D

Kōkua ʻo Medicare Part D i ka uhi ʻana i nā kumukūʻai o nā lāʻau lapaʻau. Kūʻai ʻia nā hoʻolālā Medicare Part D e nā ʻoihana inikua pilikino a hiki ke hoʻohui ʻia ma Medicare kumu.

Pākuʻi Medicare (Medigap)

Kōkua nā hoʻolālā Medigap i ka uhi ʻana i nā kumukūʻai e pili ana i ka Medicare kumu. Pākuʻi ʻia paha kēia mau mea, hoʻolawe kālā, a me nā copayment. Kōkua kekahi mau hoʻolālā Medigap i ka uku ʻana i nā koina olakino āu e loaʻa ai i ka huakaʻi ʻana ma waho o ka ʻāina.

2. Uhi ʻia e nā Medicare nā lāʻau lapaʻau?

Uhi ka Medicare kumu i kekahi mau lāʻau. O kahi laʻana:

• Uhi ka Medicare Part A i nā lāʻau i hoʻohana ʻia no kāu mālama ʻana ke hele ʻoe i ka haukapila. Uhi ʻia hoʻi kekahi mau lāʻau i hoʻohana ʻia i ka wā olakino home a i ʻole ka mālama hale maʻi.
• Uhi ka Medicare ʻāpana B i kekahi mau lāʻau i lawelawe ʻia ma nā wahi maʻi o waho, e like me ke keʻena o ke kauka. Uhi ka ʻaoʻao B i nā lāʻau āpau.

No ka loaʻa ʻana o ka uhi lāʻau lapaʻau piha me Medicare, pono ʻoe e kākau inoa ma ka Medicare Part D a i ʻole kahi Medicare Part C hoʻolālā i loaʻa ka lāʻau lapaʻau.

Mahele D

Hiki ke hoʻohui ʻia ʻo Medicare Part D i ka Medicare kumu e kōkua ai i ka uhi ʻana i ke kumukūʻai o kāu lāʻau lapaʻau. He formulary kēlā me kēia papahana D, kahi papa inoa o nā lāʻau lapaʻau e uhi ai. Hāʻule kēia mau lāʻau lapaʻau i nā papa kikoʻī, i maʻa pinepine ʻia e ke kumukūʻai a me ka inoa. Pono nā papahana Medicare Part D āpau e uhi ma ka liʻiliʻi i ʻelua mau lāʻau i nā mahele lāʻau nui.

ʻĀpana C

Hāʻawi ka hapanui o nā hoʻolālā Medicare Advantage i ka uhi lāʻau lāʻau. E like me Medicare Part D, e loaʻa i kēlā me kēia hoʻolālā Advantage kāna formulary a me nā lula uhi. E hoʻomanaʻo wale nō e uku paha kekahi mau hoʻolālā Medicare Health Maintenance Organisation (HMO) a me Preferred Provider Organisation (PPO) no kāu kaukaʻi inā hoʻohana ʻoe i nā hale kūʻai mai waho o ka pūnaewele.

3. Āhea wau e kūpono ai no Medicare?

ʻApono ʻAmelika i ka makahiki 65 a ʻoi paha e kākau inoa i Medicare. ʻO kekahi poʻe ma lalo o ka makahiki 65 nona nā kīnā kīnā ʻole hiki ke koho ʻia. Eia pehea e hana ai ke kūpono Medicare:

• Inā piha iā ʻoe i 65 mau makahiki, hiki iā ʻoe ke kākau inoa ma Medicare 3 mau mahina ma mua o kou lā hānau 65th a i 3 mau mahina ma hope.
• Inā loaʻa iā ʻoe nā keu kīnā ʻole o kēlā me kēia mahina ma o ka Social Security Administration a i ʻole Railway Retensions Board, ua kūpono ʻoe no Medicare ma hope o 24 mau mahina.
• Inā loaʻa iā ʻoe ka amyotrophic lateral sclerosis (ALS) a loaʻa nā pōmaikaʻi kīnā o ka mahina, hiki iā ʻoe ke koho koke no Medicare.
• Inā ua loiloi ʻia ʻoe me ka maʻi ʻōiwi pae (ESRD) a ua loaʻa kahi kuʻina koʻo a koi paha i ka dialysis, hiki iā ʻoe ke kākau inoa i Medicare.

4. Āhea wau e kākau inoa ai ma Medicare?

Nui nā manawa kau inoa no Medicare. Ke hālāwai ʻoe me nā koi kūpono, hiki iā ʻoe ke kākau inoa i nā wā aʻe.

I kekahi mau hihia, he automate ke kākau inoa ʻana ʻo Medicare. ʻO kahi laʻana, e kau inoa inoa ʻia ʻoe i Medicare kumu inā e loaʻa ana iā ʻoe nā uku kīnā ʻole a:

• Ke hoʻololi nei ʻoe i 65 mau makahiki i ka hala 4 mau mahina.
• Ua loaʻa iā ʻoe nā uku kīnā no 24 mau mahina.
• Ua ʻike ʻia me ALS.

5. Ua manuahi ʻo Medicare?

Hoʻolaha ʻia kekahi mau hoʻolālā Medicare Advantage ma ke ʻano he papahana “manuahi”. ʻOiai he manuahi kēia mau hoʻolālā, ʻaʻole manuahi lākou: e uku nō ʻoe i kekahi koina waho-ʻeke.

6. Ehia nā kumukūʻai o Medicare i 2021?

ʻO kēlā me kēia ʻāpana Medicare āu e kākau inoa ai he mau koina e pili pū ana me ia, e like me nā uku uku, nā deductibles, nā copayments, a me nā coinsurance.

Mahele A

ʻO nā kumukūʻai no Medicare Part A me:

• kahi uku nui o kēlā me kēia wahi mai $ 0 a $ 471 i kēlā me kēia mahina, kaukaʻi ʻia i kāu loaʻa kālā
• ʻemi ʻia o $ 1,484 no nā wā pono
• kahi uku kālā o $ 0 no 60 mau lā mua o kahi noho maʻi, a hiki i ke kumukūʻai holoʻokoʻa o nā lawelawe e pili ana i ka lōʻihi o kou ʻae ʻia ʻana

Mahele B

ʻO nā kumukūʻai no Medicare Part B me:

• kahi uku nui o $ 148.50 a ʻoi paha i kēlā me kēia mahina, kaukaʻi ʻia i kāu loaʻa
• ʻemi ʻia o $ 203
• kahi uku hoʻolimalima kālā o 20 pākēneka o ke kumukūʻai o kāu Medicare i ʻae ʻia no ka lawelawe
• ʻoi aku ka nui o ka uku a hiki i ka 15 pakeneka inā ʻoi aku ke kumukūʻai o kāu lawelawe ma mua o ka huina i ʻāpono ʻia

ʻĀpana C

Hiki ke hoʻololi i nā kumukūʻai Medicare Part C ma muli o kāu wahi, kāu mea hāʻawi, a me ke ʻano o ke uhi ʻana i hāʻawi ʻia e kāu hoʻolālā.

ʻO nā kumukūʻai no Medicare Part C me:

• Nā kumukūʻai A ʻāpana
• Nā kumukūʻai B ʻāpana B
• kahi uku no kēlā me kēia mahina no ka papahana ʻĀpana C
• unuhi ʻia i kēlā me kēia makahiki no ka hoʻolālā Part C
• unuhi ʻia kahi hoʻolālā lāʻau (inā loaʻa i kāu hoʻolālā kahi lāʻau lāʻau kuhikuhi)
• kahi uku kālā a i ʻole copayment nui no ke kipa ʻana o kēlā me kēia kauka, kipa a ka loea, a i ʻole ka hoʻopiha hou ʻana i ka lāʻau

Mahele D

ʻO nā kumukūʻai no Medicare Part D me:

• kahi uku nui o ka mahina
• e unuhi ʻia i kēlā me kēia makahiki o $ 445 a i lalo
• kahi huina kālā a i ʻole copayment nui no kāu hoʻopiha hou ʻana i ka lāʻau lapaʻau

Medigap

Hoʻolimalima nā hoʻolālā Medigap i kahi uku no kēlā me kēia mahina i hoʻohuli ʻia e kāu hoʻolālā Medigap, kou wahi, ka helu o ka poʻe i kākau inoa ʻia i ka hoʻolālā, a me nā mea hou aʻe. Akā kōkua nā hoʻolālā Medigap i ka uhi ʻana i kekahi o nā kumukūʻai o ka Medicare kumu.

7. He aha ka unuhi Medicare?

ʻO Medicare deductible ka nui o ke kālā āu e hoʻolilo ai i waho o ka ʻeke i kēlā me kēia makahiki (a i ʻole ka manawa) no kāu mau lawelawe ma mua o ka hoʻomaka ʻana o ka Medicare. ʻO nā ʻāpana Medicare A, B, C, a me D nā mea i unuhi ʻia.

8. He aha ke kumu kūʻai Medicare?

ʻO ka uku Medicare ka helu mahina āu e uku ai e kākau inoa ʻia i kahi hoʻolālā Medicare. Māhele A, ʻĀpana B, ʻĀpana C, ʻĀpana D, a me Medigap i nā uku o kēlā me kēia mahina.

9. He aha ka copay Medicare?

ʻO kahi medicare copayment, a i ʻole copay, ka nui āu e uku ai mai ka ʻeke i kēlā me kēia manawa ke loaʻa iā ʻoe nā lawelawe a i ʻole hoʻopiha hou i kahi lāʻau lapaʻau.

Hoʻolālā nā hoʻolālā Medicare Advantage (ʻĀpana C) i nā kālā like ʻole no ke kipa ʻana a ke kauka. Hoʻopaʻa kekahi mau hoʻolālā i nā copayments kiʻekiʻe no nā mea hāʻawi ma waho o ka pūnaewele.

Hoʻolālā nā hoʻolālā lāʻau Medicare i nā copayment ʻokoʻa no nā lāʻau e pili ana i ka formulary a me ka pae pae o nā lāʻau āu e lawe ai. ʻO kahi laʻana, generic pinepine ka pae 1 a ʻoi aku ka liʻiliʻi.

Pili kāu kope kikoʻī i ka papahana Advantage a ʻĀpana D āu e koho ai.

10. He aha ka mālama kālā Medicare?

ʻO ka Medicare coinsurance ka pākēneka āu e uku ai mai ka ʻeke no ke kumukūʻai o kāu lawelawe i ʻae ʻia e Medicare.

Hoʻopaʻa ka ʻaoʻao Medicare A i kahi ʻoihana kālā ʻoi aku ka lōʻihi o kou noho ʻana i ka haukapila. Ma 2021, ʻāpana kālā A ʻo $ 371 no nā lā haukapila 60 a 90 a me $ 742 no nā lā 91 a ʻoi.

Hoʻopaʻa ka Medicare ʻĀpana B i kahi huina kālā i hoʻonohonoho ʻia o 20 pākēneka.

Hoʻolālā nā papahana Medicare ʻĀpana D i ka huehue kālā ma ke ala like e like me nā copayments, maʻamau no ka papa kiʻekiʻe, nā inoa inoa inoa inoa - a e hoʻokau wale nō wau iā ʻoe i kahi copay a i ʻole ka coinsurance akā ʻaʻole ʻelua.

11. He aha ka nui o ka Medicare i waho o ka ʻeke?

ʻO ka Medicare ma waho o ka pocket ka palena o ka nui āu e uku ai mai ka ʻeke no kāu uku Medicare āpau i hoʻokahi makahiki. ʻAʻohe palena o nā kumukūʻai ma waho o ka ʻeke ma Medicare kumu.

Loaʻa i nā hoʻolālā Medicare Advantage āpau i ka nui o ka nui o ka nui o waho o ka pocket, e loli ana ia e pili ana i ka hoʻolālā āu i komo ai.

12. Hiki iaʻu ke hoʻohana iā Medicare ke hele wau ma waho o koʻu mokuʻāina?

Hāʻawi ʻo Original Medicare i ka uhi ākea ākea i nā mea pōmaikaʻi āpau. ʻO kēia ke uhi ʻia no ka mālama olakino ma waho o ka mokuʻāina.

ʻO nā hoʻolālā Medicare Advantage, ma ka ʻaoʻao ʻē aʻe, hāʻawi i ka uhi wale no ka mokuʻāina āu e noho nei, ʻoiai e hāʻawi paha kekahi i nā lawelawe pūnaewele i waho o ka mokuʻāina.

Inā loaʻa iā ʻoe ka Medicare kumu a i ʻole Medicare Advantage, pono ʻoe e hōʻoia mau i ka mea nāna ʻoe e kipa aku e ʻae i ka hana Medicare.

13. Āhea wau e hoʻololi ai i nā hoʻolālā Medicare?

Inā ʻoe i kākau inoa ʻia i kahi hoʻolālā Medicare a makemake e hoʻololi i kāu hoʻolālā, hiki iā ʻoe ke hana pēlā i ka wā o ke kākau inoa hāmama, e holo ana mai ʻOkakopa 15 a i Kekemapa 7 i kēlā me kēia makahiki.

14. He aha kaʻu e hana ai inā e nalo kaʻu kāleka Medicare?

Inā ua lilo kāu kāleka Medicare, hiki iā ʻoe ke kauoha i kahi pani mai ka pūnaewele Social Security. E ʻeʻe wale i kāu moʻokāki a noi i kahi pani ma lalo o ka ʻaoʻao "Documents Replaces". Hiki iā ʻoe ke noi i kahi kāleka pani ma ke kāhea ʻana iā 800-MEDICARE.

Hiki iā 30 lā ke lōʻihi e loaʻa ai kāu kāleka Medicare pani. Inā makemake ʻoe i kāu kāleka no kahi koho ma mua a laila, hiki iā ʻoe ke paʻi i kahi kope o ia mea ma ke komo ʻana i kāu moʻokāki myMedicare.

ʻO ka lawe lawe ʻana

Hoʻomaopopo iki paha ka hoʻomaopopo ʻana iā Medicare, akā nui nā kumuwaiwai i hiki iā ʻoe. Inā makemake ʻoe i kōkua hou e kau inoa ʻana no Medicare a i ʻole he mau nīnau pane ʻole ʻole, eia kekahi mau kumuwaiwai hou aʻe e hiki ke kōkua:

• He ʻikepili ka Medicare.gov e pili ana i nā mea lawelawe kūloko, nā ʻano nui, nā puke e hiki ai ke hoʻoiho ʻia, a me nā mea hou aʻe.
• He ʻike hou a CMS.gov e pili ana i nā hoʻololi kūhelu kūhelu a me nā mea hou i ka papahana Medicare.
• ʻAe ʻo SSA.gov iā ʻoe e kiʻi i kāu moʻokāki Medicare a me nā kumuwaiwai ʻo Social Security a me Medicare hou aku.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 19, 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.