Helu Waihona Medicare: Pono anei iā ʻoe?

Anter

• He aha kahi waihona mālama mālama ʻo Medicare?
• Nā mea maikaʻi o kahi waihona mālama mālama Medicare
• Nā mea maikaʻi ʻole o kahi waihona mālama mālama Medicare
• ʻO wai ka mea i kūpono no kahi waihona mālama mālama Medicare?
• He aha ka uhi a ka waihona mālama kālā ʻo Medicare?
• Ehia nā kumukūʻai mālama kālā Medicare?
• Āhea wau e kākau inoa ai i kahi waihona mālama mālama Medicare?
• Āhea kūpono kahi waihona mālama mālama Medicare nou?
• ʻO ka lawe lawe ʻana

Uhi ka Medicare i nā koina mālama ola ma hope o kou piha ʻana i 65, akā ʻaʻole ia e uhi i nā mea āpau. Hiki paha iā ʻoe ke koho i kahi hoʻolālā Medicare hoʻoliʻiliʻi kiʻekiʻe i kapa ʻia he waihona mālama mālama Medicare (MSA). Hoʻohana kēia mau hoʻolālā olakino i kahi waihona mālama mālama maʻalahi i kālā ʻia i kēlā me kēia makahiki e ke aupuni.

No kekahi mau mea hoʻohana Medicare, he ala kēia mau hoʻolālā e hoʻolōʻihi i kāu kālā ke pili ana i ka uhi ʻana i ke kumukūʻai o kāu deductibles a me nā copay.

ʻAʻole hoʻohana nui ʻia nā waihona mālama mālama Medicare e like me kāu e noʻonoʻo ai - no ka mea nui paha ka huikau e pili ana i ka mea i kūpono a me kā lākou hana. E uhi kēia ʻatikala i nā kumu o nā waihona mālama mālama Medicare, me nā pōmaikaʻi a me nā maikaʻi ʻole o ka loaʻa ʻana o hoʻokahi.

He aha kahi waihona mālama mālama ʻo Medicare?

E like me nā waihona mālama mālama ola i kākoʻo ʻia e ka luna hana (HSAs), ʻo nā waihona mālama mālama Medicare kahi koho no nā poʻe i hiki ke hoʻoliʻiliʻi kiʻekiʻe, nā ʻinikua olakino pilikino. ʻO ka ʻokoʻa nui loa he ʻano MSA kekahi ʻano o ka papahana Medicare Advantage, ʻo Medicare Part C ka inoa.

I mea e kūpono ai i kahi MSA, pono e hōʻemi ʻia kahi hoʻolālā Medicare Advantage. Hiki ke hoʻohālikelike nā pae hoʻohālikelike no ka mea i hoʻoliʻiliʻi kiʻekiʻe ʻia e like me kahi e noho ai a me nā kumu ʻē aʻe. Hana pū kāu MSA me Medicare e kōkua i ka uhi ʻana i kāu kumukūʻai olakino.

Hāʻawi wale kahi mau mea hāʻawi i kēia mau papahana. No kekahi poʻe, hana paha lākou i ka manaʻo kālā, akā nui ka poʻe e hopohopo e pili ana i kahi hoʻolālā ʻinikua hoʻoliʻiliʻi kiʻekiʻe. No kēia mau kumu, he hapa liʻiliʻi wale nō o ka poʻe ma Medicare e hoʻohana iā MSA.

Ua koho ka Kaiser Family Foundation ma lalo o 6,000 poʻe i hoʻohana i nā MSA ma 2019.

Kūʻai ʻia ʻo MSA e nā ʻoihana inikua pilikino e ʻaelike me nā panakō e hana i nā waihona mālama kālā. Hāʻawi ka hapa nui o kēia mau ʻoihana i ka transparency ma o ka hoʻopili ʻana i ka hoʻohālikelike o kā lākou papahana i maopopo i ka poʻe kūʻai i kā lākou koho.

Inā loaʻa iā ʻoe kahi MSA, nā hua Medicare e helu me kahi kālā i ka hoʻomaka o kēlā me kēia makahiki. ʻO kēia kālā he waihona nui ia, akā ʻaʻole ia e uhi i kāu hōʻemi holoʻokoʻa.

ʻO nā kālā i waiho ʻia i kāu MSA ʻaʻole auhau ʻia. ʻOiai ʻoe e hoʻohana i ke kālā i kāu MSA no nā koina olakino kūpono, ʻaʻohe auhau ia e hemo ai. Inā pono ʻoe e lawe i ke kālā mai kāu MSA no ke kumukūʻai pili olakino ʻole, hiki i ka ʻauhau hoʻihoʻi i ka ʻauhau loaʻa kālā a me ka hoʻopaʻi 50 pakeneka.

I ka hopena o ka makahiki, inā he kālā i koe i kāu MSA, ʻo kāu kālā nō ia a ʻōwili wale i ka makahiki e hiki mai ana. Hiki i ka hoihoi ke hōʻiliʻili i ke kālā i kahi MSA.

Ke hōʻea ʻoe i kāu hōʻemi makahiki ma ka hoʻohana ʻana i ka MSA, ke koena o kāu uku mālama ola Medicare e uhi ʻia i ka hopena o ka makahiki.

Hāʻawi ʻia nā hoʻolālā hihiʻo, nā kōkua lohe, a me nā uhi niho inā hoʻoholo ʻoe e uku i kahi uku hou no lākou, a hiki iā ʻoe ke hoʻohana i ka MSA no nā kumukūʻai pili. ʻAʻole helu kēia ʻano lawelawe olakino i kāu hōʻemi ʻia. E uhi ʻia ka mālama mālama ʻana a me ke kipa maikaʻi ʻana ma waho o kāu hōʻemi ʻia.

ʻO ka uhi lāʻau lāʻau kuhikuhi, i kapa ʻia ʻo Medicare Part D, ʻaʻole i uhi paʻa ʻia ma lalo o kahi MSA. Hiki iā ʻoe ke kūʻai kaʻawale iā Medicare Part D, a ʻo ke kālā āu e hoʻolilo ai i nā lāʻau lapaʻau hiki ke puka mai i kāu waihona mālama mālama Medicare.

Eia nō naʻe, ʻaʻole e helu nā copays ma nā lāʻau i kāu unuhi. Heluhelu lākou i ka palena hoʻolimalima ma waho o ka ʻeke (TrOOP) o ka Medicare Part D.

Nā mea maikaʻi o kahi waihona mālama mālama Medicare

• Hāʻawi ʻo Medicare i ka waihona, hāʻawi kālā iā ʻoe i kēlā me kēia makahiki i kāu hoʻoliʻiliʻi.
• ʻAʻohe uku ʻauhau ke kālā i kahi MSA ke hoʻohana wale ʻoe ia no kāu kumukūʻai olakino.
• Hiki i nā MSA ke hana i nā hoʻolālā hoʻoliʻiliʻi kiʻekiʻe, e hāʻawi pinepine nei i ka uhi ākea ma mua o Medicare kumu, hiki ke loaʻa kālā.
• Ma hope o kou hālāwai ʻana me kāu deductible, ʻaʻole pono ʻoe e uku no ka mālama i uhi ʻia ma lalo o Medicare Part A a me ka ʻĀpana B.

Nā mea maikaʻi ʻole o kahi waihona mālama mālama Medicare

• ʻOi aku ka kiʻekiʻe o nā huina hiki.
• Inā pono ʻoe e lawe i ke kālā mai kāu MSA no nā koina olakino ʻole, ʻino ka hoʻopaʻi.
• ʻAʻole hiki iā ʻoe ke hoʻohui i kāu kālā ponoʻī i kahi MSA.
• Ma hope o kou hālāwai ʻana me kāu deductible, pono ʻoe e uku i kāu uku mahina.

ʻO wai ka mea i kūpono no kahi waihona mālama mālama Medicare?

ʻAʻole kūpono kekahi poʻe i kūpono no Medicare no kahi waihona mālama mālama Medicare. ʻAʻole kūpono ʻoe i MSA inā:

• ua kūpono ʻoe no Medicaid
• aia ʻoe i ka hale mālama maʻi
• Loaʻa iā ʻoe ka maʻi hōʻino pae
• Loaʻa iā ʻoe kahi uhi olakino e uhi i nā mea āpau a ʻāpana paha o kāu hoʻoliʻiliʻi makahiki
• noho ʻoe ma waho o ʻAmelika Hui Pū ʻIa no ka hapalua makahiki a ʻoi paha

He aha ka uhi a ka waihona mālama kālā ʻo Medicare?

Koi ʻia kahi waihona mālama mālama Medicare e uhi i nā mea āpau e uhi ʻia e Medicare kumu. Hoʻopili kēlā me Medicare Part A (mālama hale maʻi) a me Medicare ʻĀpana B (mālama olakino maʻi).

Ma muli o ka hoʻolālā Medicare waihona mālama kālā ʻo Medicare Advantage plan (Medicare Part C), ʻoi aku ka laulā o ka pūnaewele o nā kauka a me ka mālama olakino ma mua o Medicare.

ʻAʻole uhi ka waihona mālama kālā ʻo Medicare i ka hihiʻo, kauka niho, nā lāʻau lapaʻau, a i ʻole nā ​​kōkua lohe. Hiki iā ʻoe ke hoʻohui i kēia ʻano uhi i kāu hoʻolālā, akā koi lākou i kahi uku no kēlā me kēia mahina.

E ʻike ai i nā hoʻolālā ʻinikua hou aʻe i loaʻa i kāu wahi inā he MSA kāu, e kāhea i kāu polokalamu kōkua ʻinikua olakino moku'āina (SHIP).

ʻAʻole uhi ʻia nā kaʻina hana hoʻohanohano a me nā koho e ka waihona mālama mālama Medicare. ʻAʻole uhi ʻia nā lawelawe i hāʻawi ʻole ʻia e ke kauka, e like me nā kaʻina hana olakino holoʻokoʻa, nā lāʻau lapaʻau ʻē aʻe, a me nā mea hoʻopihaʻai pono. Hiki ke uhi ʻia i ka hoʻōla kino, nā hoʻokolohua diagnostics, a me ka mālama ʻana o ka chiropractic ma kēlā me kēia hihia.

Ehia nā kumukūʻai mālama kālā Medicare?

Inā loaʻa kahi waihona mālama mālama Medicare, pono ʻoe e uku i kāu uku Medicare Part B o kēlā me kēia mahina.

Pono ʻoe e uku i kahi uku e kau inoa ai i Medicare Part D ʻokoʻa, ʻoiai ʻaʻole mālama nā waihona mālama kālā ʻo Medicare i nā lāʻau i kuhikuhi ʻia a koi ʻia ʻoe e ke kānāwai e loaʻa kēlā uhi.

Ke loaʻa koke kāu waihona mua, hiki iā ʻoe ke hoʻoneʻe i ke kālā mai kāu waihona mālama mālama Medicare i kahi waihona mālama kālā i hāʻawi ʻia e kahi ʻoihana kālā ʻokoʻa. Inā koho ʻoe e hana i kēia, aia paha ʻoe i nā lula a kēlā panakō e pili ana i nā kaulike liʻiliʻi, nā uku hoʻoili, a me nā helu ukupanee.

Aia kekahi mau hoʻopaʻi a me nā uku no ka huki kālā ʻana no kekahi mea ʻē aʻe ma mua o nā lilo olakino i ʻae ʻia.

Āhea wau e kākau inoa ai i kahi waihona mālama mālama Medicare?

Hiki iā ʻoe ke kākau inoa i kahi waihona mālama mālama Medicare i ka wā koho balota makahiki, ma waena o Nowemapa 15 a me Dec. 31 o kēlā me kēia makahiki. Hiki iā ʻoe ke kau inoa i ka papahana ke kau inoa mua no ka Medicare Part B.

Āhea kūpono kahi waihona mālama mālama Medicare nou?

Ma mua o kou kākau inoa ʻana i kahi MSA, aia ʻelua mau nīnau nui āu e nīnau ai.

• He aha ka mea e unuhi ʻia ai? Loaʻa i nā hoʻolālā me MSA kahi kiʻekiʻe loa.
• He aha ka waihona makahiki mai Medicare? E unuhi i ka waihona makahiki mai ka huina i unuhi ʻia a hiki iā ʻoe ke ʻike i ka nui o ka unuhi e kuleana ai ʻoe ma mua o ka uhi ʻana o Medicare i kāu mālama.

ʻO kahi laʻana, inā he $ 4,000 ka mea e unuhi ʻia ai a hāʻawi ʻo Medicare i $ 1,000 i kāu MSA, e kuleana ʻoe no $ 3,000 i koe o ka ʻeke ma mua o ka uhi ʻia ʻana o kāu mālama.

Hiki i kahi waihona mālama mālama Medicare ke kūpono inā ʻoe e hoʻolilo nui ana i nā uku kiʻekiʻe a makemake ʻoe e hoʻokaʻawale i kēlā mau kumukūʻai i kahi unuhi. ʻOiai hāʻawi ʻia kahi mea hoʻemi kiʻekiʻe e haʻalulu i ka pepili i ka wā mua, hoʻopili kēia mau hoʻolālā i kāu hoʻolilo kālā no ka makahiki no laila he manaʻo maopopo loa kāu no ka nui o kāu e uku ai.

I nā huaʻōlelo ʻē aʻe, hiki i kahi MSA ke hoʻokūpaʻa i ka nui o kāu lilo ma ke olakino i kēlā me kēia makahiki, kahi mea waiwai nui e pili ana i ka maluhia o ka noʻonoʻo.

ʻO ka lawe lawe ʻana

Pono nā moʻokāki mālama kālā Medicare e hāʻawi i ka poʻe i loaʻa iā Medicare kōkua me kā lākou unuhi ʻia, a me ka kaohi hou aku i ka nui o kā lākou lilo i ka mālama olakino. ʻOi aku ka kiʻekiʻe o nā unuhi ma luna o kēia mau hoʻolālā ma mua o nā hoʻolālā like. Ma ka ʻaoʻao ʻē aʻe, hōʻoia nā MSA i kahi waihona nui a me ka uku ʻauhau ʻole ʻia i kāu hōʻemi ʻia i kēlā me kēia makahiki.

Inā ʻoe e noʻonoʻo ana i kahi waihona mālama mālama Medicare, makemake paha ʻoe e ʻōlelo i kahi mea hoʻolālā kālā a kāhea paha i ka kōkua kōkua Medicare (1-800-633-4227) e ʻike inā kūpono kekahi iā ʻoe.

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.