Hoʻolālā Kākoʻo Medicare K Kahi Manaʻo

Anter

• He aha ka uhi K Medicare Hoʻohui K?
• He aha ka pōmaikaʻi o ka palena o waho o ka pocket i kēlā me kēia makahiki?
• Loaʻa i kahi hoʻolālā Medigap ʻē aʻe i kahi palena palena o waho o ka pocket i kēlā me kēia makahiki?
• He aha ʻo Medigap?
• ʻO ka lawe lawe ʻana

ʻInikua kōkua Medicare, a i ʻole Medigap, kōkua i ka uhi ʻana i kekahi o nā kumukūʻai mālama ola i koe pinepine mai nā ʻāpana Medicare A a me B.

ʻO ka Plan Supplement Medicare K kekahi o nā hoʻolālā pāʻālua Medicare e hāʻawi nei i ka palena o ka palena o waho o ka pocket i kēlā me kēia makahiki.

E hoʻomau i ka heluhelu ʻana e aʻo hou aʻe e pili ana i kēia hoʻolālā, ka mea e uhi ai, a ʻo wai ke pōmaikaʻi ʻia mai ia mea.

He aha ka uhi K Medicare Hoʻohui K?

ʻO ka hapa nui o nā kulekele Medigap e uhi ana i nā kumukūʻai kūʻai lāʻau lapaʻau ma hope o kou uku ʻana i kahi hōʻemi makahiki. Uku kekahi i ka unuhi ʻia.

Pākuʻi Kākoʻo Kākoʻo Medicare K:

• 100% ka uhi ʻana o ka ʻāpana kālā A a me nā kumukūʻai o ka haukapila a hiki i kahi 365 mau lā ma hope o ka pau ʻana o nā pono Medicare
• 50% ka uhi o:
  • Lawe ʻia kahi ʻāpana A
  • Māhele A hale mālama mālama kālā coinsurance a copayment paha
  • ke koko (ʻekolu mau piina)
  • Mālama kālā mālama mālama hana hānai
  • Māhele B ʻili kālā a i ʻole nā ​​copayment
• ʻAʻole hoʻokomo ʻia i ka uhi:
  • Unuhi ʻia ka ʻāpana B
  • ʻO nā uku ʻoi aʻe ka ʻāpana B
  • kūkaʻi huakaʻi haole

ʻO ka palena o waho o ka ʻeke ma 2021 $ 6,220. Ma hope o kou hālāwai ʻana i kāu Māhele B hōʻemi makahiki a me kāu palena makahiki i waho o ka pocket, 100 pākēneka o nā lawelawe uhi ʻia no ke koena o ka makahiki e uku ʻia e Medigap.

He aha ka pōmaikaʻi o ka palena o waho o ka pocket i kēlā me kēia makahiki?

ʻAʻohe pāpale i kāu koina mālama makahiki me Medicare kumu. ʻO ka poʻe e kūʻai ana i kahi hoʻolālā Medigap hana pēlā e kaupalena i ka nui o ke kālā i lilo i ka mālama olakino i loko o hoʻokahi makahiki.

He mea nui paha kēia i ka poʻe e:

• loaʻa kahi olakino olakino me nā koina kiʻekiʻe no ka mālama olakino hoʻomau
• makemake e mākaukau i ka hanana o kahi ulia pōpilikia i manaʻo nui ʻole ʻia

Loaʻa i kahi hoʻolālā Medigap ʻē aʻe i kahi palena palena o waho o ka pocket i kēlā me kēia makahiki?

ʻO ka Plan Kākoʻo Medicare K a me Plan L ʻo ia nā hoʻolālā Medigap ʻelua e hoʻopili ana i ka palena o ka palena o kēlā me kēia makahiki.

• E hoʻolālā i ka palena o waho o ka ʻeke: $ 6,220 i ka 2021
• E hoʻolālā i ka palena o waho o ka ʻeke L: $ 3,110 i 2021

No nā hoʻolālā ʻelua, ma hope o kou hui ʻana i kāu Māhele B hōʻemi makahiki a me kou palena makahiki i waho o ka ʻeke, 100 pākēneka o nā lawelawe uhi ʻia no ke koena o ka makahiki e uku ʻia e kāu papahana pākuʻi Medicare.

He aha ʻo Medigap?

Kahi manawa i kapa ʻia he ʻinikua kōkua Medicare, kōkua kahi kulekele Medigap i ka uhi ʻana i nā kumukūʻai mālama ola i uhi ʻole ʻia e Medicare. No kahi hoʻolālā Medigap, pono ʻoe:

• he Medicare kumu, ʻo Medicare Part A (ʻinikua haukapila) a me Medicare ʻāpana B (ʻinikua olakino)
• Loaʻa iā ʻoe kāu kulekele Medigap (hoʻokahi wale nō kanaka ma ke kulekele)
• uku i ka uku uku mahina me ka hoʻohui ʻia o kāu uku uku Medicare

Kūʻai ʻia nā kulekele Medigap e nā ʻoihana inikua pilikino. Hoʻohālikelike ʻia kēia mau kulekele a ukali i nā kānāwai pekelala a me ka mokuʻāina.

I ka hapanui o nā mokuʻāina, ʻike ʻia lākou e ka leka like, no laila like like ka Plan Supplement Medicare ma waena o ka ʻāina, koe wale nō ma nā mokuʻāina aʻe.

• Masekuseta
• ʻO Minnesota
• Wisconsin

Hiki iā ʻoe ke kūʻai i kahi kulekele Medigap inā he Medicare kumu kāu. Medigap a me Medicare pono hiki ʻole e hoʻohana pū ʻia.

ʻO ka lawe lawe ʻana

ʻO Medicare Supplement Plan K kahi kulekele Medigap i kōkua i ka uhi ʻana i nā koina olakino i koe mai ka Medicare kumu. ʻO ia kekahi o nā hoʻolālā ʻelua e hāʻawi ana i ka palena palena o waho o ka pocket i kēlā me kēia makahiki.

Hiki ke kōkua ka palena palena o ka pocket i kēlā me kēia makahiki inā ʻoe:

• loaʻa kahi olakino olakino me nā koina kiʻekiʻe no ka mālama olakino hoʻomau
• makemake e mākaukau no nā pilikia kūpilikia i manaʻo ʻole ʻia

Inā manaʻo ʻoe he kulekele Medigap ka hoʻoholo kūpono no kāu pono olakino, e noʻonoʻo pono i kāu koho kulekele āpau. E kipa iā Medicare.gov e hoʻohālikelike i nā kulekele Medigap e ʻike i kahi kūpono iā ʻoe.

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 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.