Ehia nā kumukūʻai a Medigap i 2021?
Anter
- He aha ʻo Medigap?
- Ehia nā kumukūʻai a Medigap?
- Nā uku uku mahina
- Hoʻolālā
- Coinsurance a me nā copay
- Palena o waho o ka ʻeke
- Nā kumu kūʻai o waho o ka ʻeke
- Hoʻohālikelike kumukūʻai hoʻolālā Medigap
- Ua kūpono wau no Medigap?
- Nā lā nui no ke kākau inoa ʻana ma Medigap
- ʻO Medigap manawa kau inoa mua
- Nā wā kākau inoa Medicare ʻē aʻe
- ʻO ka lawe lawe ʻana
- Kōkua ʻo Medigap e uku no kekahi o nā kumukūʻai mālama ola i uhi ʻole ʻia e Medicare kumu.
- ʻO nā kumukūʻai āu e uku ai no Medigap pili i ka hoʻolālā āu e koho ai, kou wahi, a me kekahi mau kumu ʻē aʻe.
- Loaʻa i ka Medigap kahi uku no kēlā me kēia mahina, a uku paha ʻoe i nā pākuʻi, nā dālā, a me nā unuhi.
He papahana inikua olakino Medicare i hāʻawi ʻia e ke aupuni pekelala no nā makahiki 65 a ʻoi paha, a me nā hui kikoʻī ʻē aʻe. Ua manaʻo ʻia ʻo Medicare kumu (nā ʻāpana A a me B) e uhi ana e pili ana i nā lilo olakino o kekahi kanaka.
Kōkua ka ʻinikua kōkua Medicare (Medigap) i ka uku ʻana i kekahi o nā kumukūʻai mālama ola i uhi ʻole ʻia e Medicare kumu. E pili ana i ka poʻe me Medicare kumu i kahi hoʻolālā Medigap.
Hiki ke loli ke kumukūʻai o kahi hoʻolālā Medigap ma muli o nā kumu he nui, e like me ke ʻano o ka hoʻolālā āu e kākau inoa ai, kahi āu e noho ai, a me ka ʻoihana e kūʻai aku ana i ka hoʻolālā.
Ma lalo, e ʻimi ana mākou i nā mea hou aʻe e pili ana i nā kumukūʻai o nā hoʻolālā Medigap ma 2021.
He aha ʻo Medigap?
ʻO Medigap kahi inikua kōkua i hiki iā ʻoe ke kūʻai e kōkua i ka uku ʻana i nā mea i uhi ʻole ʻia e Medicare Part A a me Medicare Part B. ʻO kekahi mau laʻana o nā koina e uhi ʻia e Medigap pū paha:
- unuhi ʻia no nā ʻāpana A a me B
- ke kūʻai kālā a i ʻole nā copay no nā ʻāpana A a me B
- keu koina no ka ʻāpana B
- nā kumu kūʻai olakino i ka wā huakaʻi haole
- ke koko (ʻekolu mau piina)
ʻO nā mea kikoʻī i uhi ʻia e pili ana i ka hoʻolālā Medigap āu e kūʻai ai. Aia he 10 mau ʻano ʻē aʻe o nā hoʻolālā Medigap, i koho ʻia kēlā me kēia me kahi leka: A, B, C, D, F, G, K, L, M, a me N. He ʻokoʻa ka pae o kēlā me kēia hoʻolālā.
Kūʻai nā hui ʻinikua pilikino i nā kulekele Medigap. Hoʻonohonoho ʻia kēlā me kēia hoʻolālā, ʻo ia hoʻi he pono e hāʻawi i ka pae like o ka uhi ʻana. ʻO kahi laʻana, uhi kahi kulekele Plan G i ka huina o nā pono like ʻole, me ka nānā ʻole i kāna kumukūʻai a i ʻole ka ʻoihana e kūʻai aku ana iā ia.
Hōʻoia ʻia nā kulekele Medigap i ka manawa e uku ai ʻoe i kāu uku uku mahina. ʻO kēia ka manaʻo o ka ʻoihana ʻinikua āu i kūʻai ai i kāu hoʻolālā mai hiki ʻole ke hoʻopau i kāu hoʻolālā, ʻoiai inā he kūlana olakino hou a maikaʻi ʻole paha kāu.
Ehia nā kumukūʻai a Medigap?
No laila he aha nā kumukūʻai maoli e pili ana i nā hoʻolālā Medigap? E nānā kākou i nā kumukūʻai kūpono i ke kikoʻī.
Nā uku uku mahina
Loaʻa i kēlā me kēia kulekele Medigap kahi uku uku no kēlā me kēia mahina. Hiki ke hoʻololi i ka nui kikoʻī i kēlā me kēia kulekele. Hiki i nā ʻoihana ʻInikua ke hoʻonohonoho i nā uku no kēlā me kēia mahina no kā lākou mau polina i nā ʻano ʻekolu:
- Loipālākiō kaiāulu. Uku kēlā me kēia mea e kūʻai i ke kulekele i ka uku no kēlā me kēia mahina me ka nānā ʻole i ka makahiki.
- Helu ʻia ka makahiki hoʻopuka. Hoʻopili ʻia nā uku mahina i ka makahiki ma mua āu e kūʻai ai i kahi kulekele, me nā mea kūʻai aku ʻōpio i loaʻa nā uku haʻahaʻa. ʻAʻole hoʻonui nā Premium i kou wā e ʻelemakule ai.
- Loiloi ʻia ka makahiki i hiki. Hoʻopili ʻia nā uku mahina i kāu makahiki o kēia manawa. ʻO ia ka mea e piʻi aʻe kāu uku kālā i kou wā ʻelemakule.
Inā makemake ʻoe e kākau inoa i kahi hoʻolālā Medigap, he mea nui e hoʻohālikelike i nā kulekele he nui i hāʻawi ʻia i kāu wahi. Hiki i kēia ke kōkua iā ʻoe e hoʻoholo pehea e hoʻonohonoho ʻia ai nā uku nui a pehea kāu e manaʻo ai e uku i kēlā me kēia mahina.
Uku ʻia ka uku Medigap o ka mahina me ka uku pākuʻi ʻia me nā uku uku mahina ʻē aʻe e pili ana me Medicare. Hiki i kēia ke komo i nā uku no:
- Medicare Māhele A (ʻinikua haukapila), inā pili
- Medicare Māhele B (ʻinikua olakino)
- ʻO Medicare ʻĀpana D (kauka lāʻau kuhikuhi)
Hoʻolālā
ʻAʻole pili pinepine ʻo Medigap iā ia iho me kahi unuhi. Eia nō naʻe, inā ʻaʻole uhi kāu papa Medigap i ka ʻāpana A a i ʻole ʻĀpana B i hōʻemi ʻia, kuleana ʻoe no ka uku ʻana i kēlā mau mea.
Loaʻa i kahi Medigap Plan F a me Plan G kahi koho hoʻokiʻoki kiʻekiʻe. ʻO nā uku o kēlā me kēia mahina no kēia mau hoʻolālā he ʻoi aku ka haʻahaʻa, akā pono ʻoe e hālāwai me kahi hoʻoliʻiliʻi ma mua o ka hoʻomaka ʻana e uhi i nā kumukūʻai. No 2021, he $ 2,370 ka mea e unuhi ʻia no kēia mau hoʻolālā.
Coinsurance a me nā copay
E like me nā deductibles, ʻaʻole pili ʻo Medigap iā ia iho me ka coinsurance a i ʻole nā copays. Pono paha ʻoe e uku i kekahi coinsurance a i ʻole copay e pili ana me Medicare kumu inā ʻaʻole uhi kāu kulekele Medigap iā lākou.
Palena o waho o ka ʻeke
Hoʻolālā ʻo Medigap Plan K a me Plan L i nā palena waho o ka ʻeke. ʻO kēia kahi nui nui loa āu e uku ai ma waho o ka ʻeke.
I ka 2021, ka palena ʻo K a me Plan L ma waho o ka ʻeke he $ 6,220 a me $ 3,110. Ma hope o kou hoʻokō ʻana i ka palena, uku ka hoʻolālā no 100 pakeneka o nā lawelawe uhi ʻia no ke koena o ka makahiki.
Nā kumu kūʻai o waho o ka ʻeke
Aia kekahi mau lawelawe pili olakino i uhi ʻole ʻia e Medigap. Inā pono ʻoe e hoʻohana i kēia mau lawelawe, pono ʻoe e uku no lākou ma waho o ka ʻeke. Pākuʻi ʻia kēia mau mea:
- kahua niho
- ʻike maka, me nā maka aniani
- mea kōkua lohe
- lāʻau lāʻau lāʻau kuhikuhi
- mālama wā lōʻihi
- mālama kahu hānai pilikino
Hoʻohālikelike kumukūʻai hoʻolālā Medigap
Hōʻike ka papa aʻe i ka hoʻohālikelike kumukūʻai o nā uku mua o kēlā me kēia mahina no nā hoʻolālā Medigap ʻokoʻa i nā kūlanakauhale ʻehā ma waena o ʻAmelika Hui Pū ʻIa.
| Wakinekona, D.C. | Des Moines, IA | Aurora, CO | Kapalakiko, CA | |
|---|---|---|---|---|
| Hoʻolālā A | $72–$1,024 | $78–$273 | $90–$379 | $83–$215 |
| Hoʻolālā B | $98–$282 | $112–$331 | $122–$288 | $123–$262 |
| Hoʻolālā C | $124–$335 | $134–$386 | $159–$406 | $146–$311 |
| Hoʻolālā D | $118–$209 | $103–$322 | $137–$259 | $126–$219 |
| Hoʻolālā F | $125–$338 | $121–$387 | $157–$464 | $146–$312 |
| Plan F (hoʻoliʻiliʻi kiʻekiʻe) | $27–$86 | $27–$76 | $32–$96 | $28–$84 |
| Hoʻolālā G | $104–$321 | $97–$363 | $125–$432 | $115–$248 |
| Plan G (hoʻoliʻiliʻi kiʻekiʻe) | $26–$53 | $32–$72 | $37–$71 | $38–$61 |
| Hoʻolālā K | $40–$121 | $41–$113 | $41–$164 | $45–$123 |
| E hoʻolālā L | $68–$201 | $69–$237 | $80–$190 | $81–$175 |
| Hoʻolālā M | $145–$309 | $98–$214 | $128–$181 | $134–$186 |
| Hoʻolālā N | $83–$279 | $80–$273 | $99–$310 | $93–$210 |
ʻO nā kumukūʻai i hōʻike ʻia aʻe nei ma luna o ke kanaka 65 makahiki i hoʻohana ʻole i ka paka. E ʻike ai i nā kumukūʻai e pili ana i kāu kūlana, e hoʻokomo i kāu code ZIP ma ka Medicare's Medigap plan find tool tool.
Ua kūpono wau no Medigap?
Aia kekahi mau lula e pili ana i ke kūʻai ʻana i kahi kulekele Medigap. Pākuʻi ʻia kēia mau mea:
- Pono ʻoe i Medicare kumu (mau ʻāpana A a me B). ʻO ʻoe hiki ʻole loaʻa iā Medigap a me Medicare Advantage.
- Uhi wale kahi papa Medigap i hoʻokahi kanaka. ʻO kēia ka mea e pono ai i nā kāne e kūʻai i nā kulekele ʻokoʻa.
- Ma ke kānāwai pekelala, ʻaʻole koi ʻia nā ʻoihana ʻinikua e kūʻai aku i nā kulekele Medigap i ka poʻe ma lalo o ka makahiki 65. Inā ʻoe ma lalo o 65 a loaʻa iā Medicare kumu, ʻaʻole paha e hiki iā ʻoe ke kūʻai i ke kulekele āu e makemake ai.
Hoʻohui ʻia, ʻaʻole loaʻa kekahi mau hoʻolālā Medigap i nā mea hou i Medicare. Eia nō naʻe, hiki i ka poʻe i hoʻopaʻa inoa ʻia i kēia hoʻolālā ke mālama iā lākou. Aia kēia mau hoʻolālā:
- Hoʻolālā C
- Hoʻolālā E
- Hoʻolālā F
- Hoʻolālā H
- Hoʻolālā I
- Hoʻolālā J
Nā lā nui no ke kākau inoa ʻana ma Medigap
Ma lalo iho nei kekahi mau lā koʻikoʻi no ke kau inoa ʻana i kahi hoʻolālā Medigap.
ʻO Medigap manawa kau inoa mua
Hoʻomaka kēia wā ʻo 6 mau mahina e hoʻomaka i kou huli ʻana i ka makahiki 65 a ua kau inoa ʻoe i ka Medicare Part B. Inā ʻoe e kākau inoa ma hope o kēia manawa, hiki i nā ʻoihana inikua ke hoʻonui i nā uku mahina ma muli o ka palapala kākau lāʻau.
ʻO ke kākau inoa lāʻau lapaʻau kahi hana e hoʻohana ʻia e nā ʻoihana ʻinikua e hoʻoholo ai e pili ana i ka uhi ʻana ma muli o kāu mōʻaukala. ʻAʻole ʻae ʻia ka palapala kākau lāʻau lapaʻau i ka wā o Medigap kākau inoa mua.
Nā wā kākau inoa Medicare ʻē aʻe
Hiki iā ʻoe ke kūʻai i kahi hoʻolālā Medigap ma waho o kāu kau inoa mua. Eia kekahi mau manawa manawa ʻē aʻe e kākau inoa ai i kahi hoʻolālā Medigap i loko o ka makahiki.
- Ke kākau inoa nui ʻana (Ianuali 1 – Malaki 31). Hiki iā ʻoe ke hoʻololi mai kahi Medicare Advantage plan i kahi ʻē aʻe, a i ʻole hiki iā ʻoe ke waiho i kahi hoʻolālā Medicare Advantage, hoʻi i ka Medicare kumu, a noi no kahi hoʻolālā Medigap.
- Hoʻokomo inoa inoa ʻOkakopa 15 – Kekemapa 7). Hiki iā ʻoe ke kākau inoa i kekahi hoʻolālā Medicare, me kahi hoʻolālā Medigap, i kēia wā.
ʻO ka lawe lawe ʻana
ʻO Medigap kahi ʻano o ka ʻinikua hoʻohui e hiki iā ʻoe ke kūʻai e kōkua i ka uku ʻana i nā kumukūʻai pili olakino i uhi ʻole ʻia e Medicare kumu. Aia he 10 mau ʻano ʻokoʻa o ka hoʻolālā Medigap maʻamau.
Pili ke kumukūʻai o kahi hoʻolālā Medigap i ka hoʻolālā āu e koho ai, kahi āu e noho ai, a me ka ʻoihana āu e kūʻai ai i kāu kulekele. E uku ʻoe i kahi uku no kēlā me kēia mahina no kāu hoʻolālā a he kuleana paha kekahi no kekahi mau deductibles, coinsurance, a me nā copay.
Hiki iā ʻoe ke kākau inoa mua i kahi hoʻolālā Medigap i ka manawa o Medigap kau inoa mua. ʻO kēia ke huli ʻoe i ka makahiki 65 a me ka inoa inoa ma Medicare Part B. Inā ʻaʻole ʻoe e kākau inoa i kēia manawa, ʻaʻole hiki iā ʻoe ke kākau inoa i ka hoʻolālā āu e makemake ai a i ʻole ke kumu kūʻai hou aʻe.
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.
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