Hāʻawi ʻo Medicare i kahi ʻoki wahine?

Anter

• He aha nā lula e pili ana i ka uhi a Medicare a me nā kāne?
• He aha inā ʻoi aku ka nui o kaʻu wahine ma mua oʻu, a hoʻokō lāua i ke koina 40?
• He aha inā ʻoi aku ka nui o kaʻu wahine ma mua oʻu, a hoʻokō wau i ke koina 40?
• Aia kekahi rula a mau pono paha o ka wahine ʻē aʻe?
• He aha nā ʻāpana o Medicare e hiki ai iaʻu ke kaʻana like me kaʻu wahine?
• He aha nā kumu o Medicare?
• He aha nā makahiki kūpono no Medicare?
• Nā lā palena palena ʻo Medicare nui
• ʻO ka lawe lawe ʻana

ʻO Medicare kahi ʻōnaehana inikua pākahi, akā aia kekahi mau manawa ke kōkua paha ke kūpono o kekahi kāne i ka mea ʻē aʻe i loaʻa kekahi mau pono.

Eia kekahi, ka nui o ke kālā āu a me kāu wahine e loaʻa ai hoʻohui ʻia hiki ke hoʻopili i kāu uku hoʻolimalima Medicare Part B.

E hoʻomau i ka heluhelu ʻana e ʻike ai pehea e hiki ai iā ʻoe a me kāu wahine ke kūpono i Medicare e pili ana i ka mōʻaukala hana a me ka makahiki.

He aha nā lula e pili ana i ka uhi a Medicare a me nā kāne?

He pōmaikaʻi ʻo Medicare no kēlā me kēia kanaka i hana a uku i ka ʻauhau Social Security ma kahi o 40 hapaha o ka hana, ma kahi o 10 mau makahiki.

Inā ʻaʻole i hana ka wahine a kekahi, hiki paha iā lākou ke kūpono no Medicare Māhele A e pili ana i ka mōʻaukala hana a kā lākou hoa kāne ke huli lākou i ka makahiki 65.

I mea e pono ai no ka Medicare Part A keu pono i ka makahiki 65 ma muli o ka moʻolelo o kāu wahine, pono ʻoe e hoʻokō i kekahi o kēia mau koi:

• Ua male ʻoe i kāu wahine i kūpono i ke kōkua no ka Social Security no 1 mau makahiki ma mua o ka noi ʻana no nā pono pilikanaka.
• Ua hemo ʻoe, akā ua male ʻia ʻoe i kahi wahine ma kahi o 10 mau makahiki i kū i ke kuleana no nā pono pilikanaka. Pono ʻoe i hoʻokahi manawa e noi no nā pono Medicare.
• Ua wahine kāne make ʻoe, akā ua male ʻia ma kahi o 9 mau mahina ma mua o ka make ʻana o kāu wahine, a ua kūpono lākou no nā pono pilikino. E noho male ʻoe i kēia manawa.

Inā ʻaʻole maopopo iā ʻoe ua hoʻokō ʻoe i kekahi koi, hiki iā ʻoe ke hoʻokaʻaʻike aku i ka Social Security Administration ma ke kāhea ʻana iā 800-772-1213. Hiki iā ʻoe ke kipa iā Medicare.gov a hoʻohana i kā lākou helu helu kūpono.

He aha inā ʻoi aku ka nui o kaʻu wahine ma mua oʻu, a hoʻokō lāua i ke koina 40?

Inā ʻelemakule kāu wahine ma mua ou, e kūpono lākou i nā pono Medicare i ka makahiki 65.

Hiki paha iā ʻoe ke loaʻa nā pōmaikaʻi Medicare ma mua iki inā ʻo ʻoe ma ka liʻiliʻi he 62 mau makahiki, male i kekahi mea 65 makahiki, a hana pū no 40 mau hapaha a uku ʻoe i nā ʻauhau Medicare.

Inā ʻaʻole ʻoe e hoʻokō i kēia mau koi, hiki paha iā ʻoe ke kūpono no Medicare Part A, akā pono ʻoe e uku i ka uku mua o ka ʻĀpana a hiki i kou makahiki 62.

Inā ʻaʻole ʻoe i hana a hoʻokō i ka koi 40 mau ʻehā, pono paha ʻoe e kali a hiki i ka makahiki 65 e loaʻa ai ka uhi ma lalo o nā pono o kāu wahine.

He aha inā ʻoi aku ka nui o kaʻu wahine ma mua oʻu, a hoʻokō wau i ke koina 40?

I kēia manawa e nānā i ka wā i ʻoi aku ka nui o kāu wahine ma mua ou a ʻaʻole i hoʻokō kāu wahine i ke koina 40 ʻehā, akā hana ʻoe.

Ke hoʻololi ʻoe i ka makahiki 62 a ʻo kāu wahine he 65 makahiki, hiki i kāu wahine ke loaʻa maʻa mau nā keu Medicare uku manuahi.

Aia a hiki i kou makahiki 62, hiki i kāu wahine ke loaʻa Medicare Part A, akā pono e uku i nā uku inā ʻaʻole lākou e hoʻokō i ka 40 hapaha o ka hana e pono ai.

Aia kekahi rula a mau pono paha o ka wahine ʻē aʻe?

He mea nui ia e ʻike inā inā nalowale kāu wahine i kā lākou ʻinikua pilikino a limahana paha a ʻaʻole ʻoe i piha i ka makahiki 65, aia nō nā papahana ʻinikua hiki ke kōkua iā ʻoe.

Hiki iā ʻoe ke hoʻokaʻaʻike i kāu Polokalamu Kōkua ʻInikua Ola (SHIP) e loaʻa i ka ʻōlelo aʻoaʻo aʻoaʻo ola ʻole.

Hiki iā ʻoe ke ʻike inā loaʻa kāu pae loaʻa a olakino paha iā ʻoe no nā polokalamu kōkua pekelala ʻē aʻe e like me Medicaid.

He aha nā ʻāpana o Medicare e hiki ai iaʻu ke kaʻana like me kaʻu wahine?

Pili pono nā pōmaikaʻi o ka wahine i ka ʻĀpana A o Medicare (e hoʻomau i ka heluhelu ʻana no ka wehewehe ʻana i ka uhi o nā ʻāpana āpau).

ʻAʻole hiki iā ʻoe ke kūʻai i ka uhi a nā pālua no nā ʻāpana ʻē aʻe o Medicare. Pono ʻoe e uku no nā ʻāpana ʻē aʻe i kāu kulekele ponoʻī.

Eia nō naʻe, he mea nui e noʻonoʻo i kāu mau koho āpau no ka laulā Medicare a me nā mea e kūpono no kāu mau pono. ʻO kekahi o kēia mau koho ʻo Medicare Advantage (ʻĀpana C), kahi e hoʻopili pū ai i ka ʻāpana A a me ka ʻĀpana B a hāʻawi pū i kahi uhi hou a me nā pono.

Inā he mea nui ke uhi ʻana, e like me ka mālama niho, ʻike maka, a i ʻole ka mālama pepeiao, he mea nui ia e mālama ai i kou olakino pākahi, e noʻonoʻo inā ʻoi aku ka maikaʻi Medicare a Medicare Advantage paha iā ʻoe.

He aha nā kumu o Medicare?

Ua hoʻolālā ke aupuni pekelala iā Medicare e like me ka papa kuhikuhi "a la carte" kahi e hiki ai iā ʻoe ke koho i nā ʻano uhi like ʻole.

ʻO kēia mau ʻano uhi:

• Mahele A. Hāʻawi ka ʻĀpana A i ka uhi no kahi noho haukapila maʻi a me nā lawelawe e pili ana i ka wā o ka haukapila, e like me nā meaʻai, nā lāʻau, a me nā lāʻau hoʻoikaika kino.
• Mahele B. Hāʻawi ka ʻĀpana B i ka uhi olakino maʻi no nā kipa a ke kauka a me nā lawelawe lapaʻau e pili ana. Pono ʻoe e uku i kahi uku no kēlā me kēia mahina, a hoʻokumu ʻia ia i ka nui o kāu a me kāu wahine e loaʻa ai i kēlā me kēia makahiki.
• Mahele C. ʻO ka ʻāpana C ʻike ʻia ʻo Medicare Advantage. Hoʻohui kēia mau ʻano hoʻolālā i nā lawelawe mai ka ʻāpana A a me ka ʻāpana B, akā he ʻokoʻa nā lula a me nā koi e pili ana i nā lawelawe a nā lawelawe olakino hiki iā ʻoe ke mālama. Hiki paha i kēia mau keu ke uhi i nā lawelawe hou aku, e like me ka hihiʻo a me ka niho.
• Mahele D. Hāʻawi ka ʻĀpana D i ka uhi lāʻau i kuhikuhi ʻia i nā helu like ʻole. Kūʻai ʻoe i kēia mau kulekele ma o nā ʻinikua pilikino.
• Medigap. ʻO Medigap, i ʻike ʻia ʻo Medicare Supplement Plans, hiki ke uhi i kekahi o nā kumukūʻai maʻamau i waho o ka ʻeke me Medicare a hāʻawi ʻia ma o ka ʻinikua pilikino. ʻO nā laʻana me ka uhi ʻana i nā uku kōkua ʻinikua.

Hiki iā ʻoe ke kūpono i ka loaʻa ʻana o ka pōmaikaʻi o ka wahine no Medicare Part A. ʻAʻole koi nā ʻāpana ʻē aʻe o Medicare i kahi mōʻaukala hana, a he uku lākou e pili ana me kā lākou uhi.

He aha nā makahiki kūpono no Medicare?

I ka hapanui o nā hanana, kūpono ke kanaka i Medicare ke piha iā lākou i 65 mau makahiki.

Aia kekahi mau hoʻokoe, me nā mea i ʻōpio ma mua o 65 mau makahiki a ke kauka i manaʻo ai he kīnā, he hopena hopena maʻi maʻi (ESRD), a i ʻole ʻonaotrophic lateral sclerosis (ALS).

ʻO ka poʻe e kū i kēia mau koi e kūpono i ka Medicare Part A ma mua o ka makahiki 65.

E like me ka mea i kūkākūkā ʻia ma luna, hiki paha iā ʻoe ke kūpono no Medicare Part A ma mua o ka makahiki 65, inā he 65 a pili pono kāu wahine.

Nā lā palena palena ʻo Medicare nui

• Ma kahi o kou piha makahiki 65. ʻEhiku mau mahina āu e kākau inoa ai i Medicare - 3 mau mahina ma mua o kou hānau a me 3 mau mahina ma hope. Hiki iā ʻoe ke kipa aku i ka helu helu koho a Medicare no nā lā kikoʻī i hāʻawi ʻia kahi e hāʻule ai kou lā hānau ma ka kalena.
• Ianuali 1 a hiki i Malaki 31. ʻO ka poʻe i kākau inoa ʻole ma Medicare i ka manawa o kā lākou puka aniani a puni ko lākou makahiki 65th hiki ke hoʻopaʻa inoa i loko o kēia "Manaʻo Kuhi Nui." E uku paha lākou i ka uku hoʻopaʻi i hoʻohui ʻia i kā lākou ʻāpana B uku no ke kākau inoa ʻana ma hope.
• ʻApelila 1 a Iune 30. ʻO ka manawa o ka makahiki ke hiki iā ʻoe ke hoʻohui i kahi Medicare Advantage a i ʻole Medicare Part D hoʻolālā inā koho ʻoe pēlā.
• ʻOkakopa 15 a i Kekemapa 7. ʻO kēia ka makahiki kākau inoa hāmama no Medicare Advantage a me Medicare Part D. E holo mau nā hoʻolālā hou ma Ianuali 1.

ʻO ka lawe lawe ʻana

ʻO ka hapa nui o nā manaʻo no Medicare a me nā kāne e pili ana iā Medicare Part A, ʻo ia ka ʻāpana ʻinikua e uhi ana i nā kipa haukapila.

Loaʻa nā ʻāpana ʻē aʻe ke huli ke kanaka i ka makahiki 65 a ʻae e uku i ka uku inikua.

Inā he mau nīnau hou aʻe e pili ana i nā pono Medicare, hiki iā ʻoe ke kelepona i ka Social Security Administration (SSA) ma 800-772-1213 a i ʻole kipa i kāu keʻena SSA kūloko no ka ʻike hou aku.

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.

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