He aha nā ʻano like ʻole o Medicare?
Anter
- He aha ka Medicare Part A?
- He aha ka Medicare Part B?
- He aha ka Medicare Part C (Medicare Advantage)?
- He aha ka Medicare Part D?
- He aha ka ʻinikua kōkua Medicare (Medigap)?
- ʻO ka lawe lawe ʻana
- Hoʻokaʻawale ʻia ka laulā Medicare i mau ʻāpana i uhi kēlā me kēia i kekahi ʻano ʻokoʻa o ka mālama.
- Uhi ka Medicare ʻāpana A i ka mālama maʻi maʻi a pinepine ʻole manuahi.
- Uhi ka Medicare ʻĀpana B i ka mālama maʻi maʻi a loaʻa iā ia kahi uku uku.
- ʻO Medicare Part C (Medicare Advantage) kahi huahana ʻinikua pilikino e hoʻohui i nā ʻāpana A a me B me nā keu pono aʻe.
- ʻO Medicare Māhele D kahi huahana inikua pilikino e uhi i nā lāʻau lapaʻau.
Hāʻawi ʻo Medicare i ka uhi olakino i ka poʻe i piha i ka makahiki 65 a me nā mea kīnā a i ʻole kekahi ʻano olakino. Nui nā ʻāpana o kēia papahana paʻakikī, a pili ia i ke aupuni pekelala a me nā ʻinikua pilikino e hana pū ana e hāʻawi i nā ʻano lawelawe a me nā huahana.
Hana ʻia ʻo Medicare Original i nā ʻāpana A a me B. ʻO kēia uhi e ʻae iā ʻoe e hele i nā kauka a me nā pono e ʻae iā Medicare me ka ʻole o ka ʻae a i ʻole ka ʻae mua mai kāu hoʻolālā. Pili nā Premiums a me nā copayments, akā ma muli o ka loaʻa kālā ma muli o ka loaʻa kālā.
ʻO nā hoʻolālā Medicare Advantage (ʻĀpana C) nā hoʻolālā ʻinikua pilikino. Hoʻohui kēia mau hoʻolālā i nā mea he nui o Medicare, e like me nā ʻāpana A a me B, me nā lawelawe ʻē aʻe, e like me ke kauka, kahua niho, a me ka ʻike maka. Hāʻawi lākou i nā lawelawe hou aku, akā e uku hou paha lākou a hele mai me nā kapu pūnaewele.
ʻOiai nā koho a Medicare he nui e hāʻawi iā ʻoe i ka laulima i kāu uhi olakino, ʻo ia hoʻi ia e hoʻokele a ʻike i ka nui o ka ʻike.
Heluhelu no ka haʻihaʻi kikoʻī o nā ʻāpana like ʻole o Medicare a pehea e hiki ai iā lākou ke kōkua iā ʻoe.
He aha ka Medicare Part A?
ʻO Medicare ʻĀpana kahi ʻāpana o Medicare kumu e uhi ana i kāu koina haukapila a me nā mālama maʻi maʻi ʻē aʻe. ʻAʻole uku ka hapa nui o ka poʻe i kēlā me kēia uku no kēlā me kēia mahina no ka ʻāpana A no ka mea ua uku lākou i ka papahana ma o ka ʻauhau i ko lākou mau makahiki hana.
ʻO ke kiko kikoʻī, e uhi ʻo Medicare Part A:
- noho haukapila maʻi
- noho palena ma kahi kahu hānai akamai
- noho i kahi haukapila mālama lōʻihi
- mālama mālama home hānai ʻaʻole lōʻihi a mālama ʻole paha
- mālama hale hoʻokipa
- hapa-manawa a i ʻole intermittent mālama ola home
E hōʻoia i ka uhi ʻana o Medicare i kou noho ʻana, pono ʻoe:
- loaʻa kahi kauoha kūpana mai kāu kauka e ʻōlelo ana he pono ʻoe e mālama no kahi maʻi a ʻeha paha
- e hōʻoia i ka ʻae ʻana o Medicare
- e hōʻoia i kou mau lā i koe i kāu wā pōmaikaʻi e hoʻohana ai (no ka noho mākaukau kahu hānai)
- e hōʻoia i ka ʻae ʻana o Medicare a me nā pono i ke kumu o kou noho ʻana
Ma lalo o Medicare ʻĀpana A, hiki iā ʻoe ke manaʻo e uku i nā kumukūʻai aʻe ma 2021:
- ʻaʻohe uku inā hana ʻoe ma kahi o 40 mau hapaha (10 mau makahiki) i kou wā e ola ana a uku i nā ʻauhau Medicare (e uku ʻoe i $ 471 i kēlā me kēia mahina inā ʻoe e hana ma lalo o 40 hapaha)
- he $ 1,484 e unuhi ʻia no kēlā me kēia wā pōmaikaʻi
- ke kumu kūʻai o nā coinsurance o kēlā me kēia lā e pili ana i ka lōʻihi o kou noho hale maʻi: $ 0 no nā lā 1 a 60, $ 371 i kēlā me kēia lā no nā lā 61 a 90, a me $ 742 i kēlā me kēia lā no nā lā 91 a ʻoi aku.
- nā koina āpau inā ʻoe ma ka haukapila ma mua o 90 mau lā i hoʻokahi manawa pōmaikaʻi a ua ʻoi aku ʻoe i kou 60 mau lā mālama
He aha ka Medicare Part B?
ʻO Medicare ʻĀpana B ka ʻāpana o Medicare kumu e uhi ana i nā kumukūʻai o kāu mālama maʻi maʻi. E uku ʻoe i kahi uku mahina no kēia uhi e pili ana i kāu pae loaʻa.
E uhi ʻo Medicare Part B i ke kumukūʻai o nā mea e like me:
- nā kipa 'ana
- pono lāʻau lapaʻau pono a me nā lawelawe
- lawelawe lawelawe pale pale
- kaʻa kaʻahua kaʻa kaʻa pilikia
- kekahi lako pono olakino
- lawelawe lawelawe olakino noʻonoʻo maʻi
- kekahi mau lāʻau i kuhikuhi ʻia i waho
E hōʻoia i ka Medicare ʻĀpana B uhi i kāu hoʻokohu, lawelawe, a i ʻole nā lako olakino, e nīnau inā ʻae kāu kauka a mea lawelawe paha iā Medicare.Hiki iā ʻoe ke hoʻohana i ka mea hana pale Medicare e hoʻoholo inā i uhi ʻia kāu hoʻokohu a lawelawe paha.
Ma lalo o Medicare Part B, hiki iā ʻoe ke manaʻo e uku i nā kumukūʻai aʻe ma 2021:
- kahi uku nui ma ka liʻiliʻi $ 148.50 i kēlā me kēia mahina (hoʻonui kēia nui inā ʻoi aku ka nui o kāu loaʻa ma mua o $ 88,000 i kēlā me kēia makahiki a i ʻole $ 176,000 i kēlā me kēia makahiki no nā kāne male)
- ʻemi ʻia $ 203 no ka makahiki
- 20 pākēneka o nā kālā i ʻae ʻia e Medicare ma hope o ka hoʻokō ʻia ʻana o kāu unuhi no ka makahiki
He aha ka Medicare Part C (Medicare Advantage)?
ʻO Medicare Part C (Medicare Advantage) kahi huahana ʻinikua pilikino e hāʻawi iā ʻoe i ka uhi āpau o nā Medicare ʻāpana A a me B, me nā lawelawe keu.
Hāʻawi ka hapa nui o kēia mau hoʻolālā i ka uhi kuhikuhi ma ka hoʻohui ʻana i ka lawelawe inpatient a me nā lawelawe outpatient. Hiki ke hoʻohui ʻia nā pono e like me ka uhi ʻana o ka niho a me ka ʻike.
Hiki iā ʻoe ke hoʻopilikino i kāu hoʻolālā Medicare Advantage e pili ana i ka mea a ka ʻoihana e hoʻokele i kāu hoʻolālā i hāʻawi ai a me nā mea āu e makemake ai e uku.
E uku ʻo Medicare i kahi huina i kēlā me kēia mahina i kāu Medicare Advantage plan provider e hāʻawi i kahi mahele o kāu uhi.
Hoʻolālā maʻamau nā Medicare Part C i kekahi mau ʻano ʻano like ʻole:
- Pono nā hoʻolālā ʻo Health Maintenance Organization (HMO) e loaʻa iā ʻoe ka mālama pono ʻole mai nā mea hoʻolako kikoʻī i loko o ka pūnaewele o kāu hoʻolālā.
- Hāʻawi nā hoʻolālā ʻoihana ʻoi aku ʻoi aku iā ʻoe e hoʻohana i nā mea hoʻolako ma loko a ma waho paha o kāu pūnaewele, akā uku iki ʻoe no ka mālama pūnaewele ʻana.
- Hāʻawi pū nā hoʻolālā uku uku pilikino (PFFS) iā ʻoe e ʻike i nā mea hoʻolako i loko a i ʻole ma waho o ka pūnaewele o ka hoʻolālā; Eia naʻe, hoʻonohonoho ka hoʻolālā i nā uku no ka mea e uku ai ia no kāna lawelawe lālā a me kāu ʻāpana.
- Nā Kālā Pono Pono (SNP) ʻo ia nā papahana Medicare Advantage i haku ʻia no nā poʻe me kekahi mau maʻi a i ʻole nā kūlana. Hoʻonohonoho kēia mau hoʻolālā i nā lawelawe a me ka uhi ʻana i kāu kūlana kikoʻī.
Hoʻololi nā kumukūʻai Medicare Part C i ka ʻano o ka hoʻolālā a me ka mea hoʻolako inikua āu e koho ai.
He aha ka Medicare Part D?
ʻO Medicare Part D kahi hoʻolālā e hāʻawi i ka uhi no nā lāʻau lapaʻau.
He polokalamu Medicare koho kēia, akā inā ʻaʻole ʻoe e kākau inoa ke koho mua ʻia ʻoe, e uku paha ʻoe i nā hoʻopaʻi ke kau inoa ʻoe ma hope. E pili kēlā mau hoʻopaʻi inā loaʻa iā ʻoe kahi hoʻolālā lāʻau a e hoʻohui ʻia i ke kumukūʻai o kāu uku mahina.
Pono e hāʻawi ʻia i ka uhi lāʻau e kuhikuhi ai i ka pae maʻa mau i kau ʻia e Medicare. Akā hiki i nā hoʻolālā ʻokoʻa ke koho i nā lāʻau a lākou e helu ai i kā lākou papa inoa lāʻau, a i ʻole nā formularies. ʻO ka hapa nui o nā papa lāʻau lāʻau hoʻonohonoho e uhi ʻia i nā lāʻau e:
- formulary, ʻo ia ka papa inoa o nā lāʻau lapaʻau i uhi ʻia i loko o ka hoʻolālā - maʻamau me ʻelua mau koho no kēlā me kēia papa lāʻau a i ʻole ka mahele
- nā lāʻau lapaʻau laulā i hiki ke panai ʻia no nā lāʻau lapaʻau inoa inoa me ka hopena like
- Hāʻawi i nā papahana pae i nā pae like ʻole o nā lāʻau (generic wale nō, generic a me ka inoa inoa, a pēlā aku) no kahi pae o nā copayments e hoʻonui me kāu kumukūʻai lāʻau.
ʻO ke kumukūʻai o Medicare Part D hoʻolālā e pili ana i kahi hoʻolālā āu e koho ai a he aha nā lāʻau e pono ai. Hiki iā ʻoe ke hoʻohālikelike i ke kumukūʻai o nā hoʻolālā lāʻau lāʻau Medicare ma ka pūnaewele ma ke kaomi ʻana ma aneʻi.
He aha ka ʻinikua kōkua Medicare (Medigap)?
ʻInikua kōkua Medicare, a i ʻole Medigap, nā huahana ʻinikua pilikino i manaʻo ʻia e kōkua i ka uhi ʻana i nā kumukūʻai i uku ʻole ʻia e nā ʻāpana Medicare A, B, C, a me D. He koho kēia mau hoʻolālā.
Hiki i nā hoʻolālā Medigap ke kōkua i ka uhi ʻana i nā lilo Medicare e like me:
- nā uku paneʻe
- kālā kālā
- unuhi ʻia
Ua hoʻololi ʻia kekahi mau hoʻololi nui i ka papahana Medigap ma 2020.
ʻAʻole hiki ke hoʻohana hou ʻia nā hoʻolālā Medigap e uku no ka Medicare Part B i unuhi ʻia. ʻO kēia ka manaʻo ʻelua ʻano o nā hoʻolālā Medigap - Plan C a me Plan F - kū i ke kūʻai ʻia aku i nā lālā hou o Ianuali 1, 2020. ʻO ka poʻe i loaʻa i kēia mau hoʻolālā, ua hiki ke mālama i kā lākou uhi.
ʻAʻole hiki i nā hoʻolālā Medigap ke uhi i nā kumukūʻai ma waho o ka ʻeke, akā hiki iā ʻoe ke ʻike i kahi e kūpono i kāu pono kālā a me kou olakino. Loaʻa iā ʻoe nā ʻano hoʻolālā like ʻole a me nā pae uhi e koho ai.
Eia kahi nānā o ka mea a kēlā me kēia o 10 Medigap hoʻolālā e uhi ai:
| Kālā Medigap | ʻVeragehi uhi |
|---|---|
| Hoʻolālā A | ʻO ka Medicare ʻĀpana kālā a me nā kumukūʻai o 365 mau lā ke kumu kūʻai o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, ka ʻāpana B kālā a i ʻole nā copayments, nā 3 pine mua o ka hoʻokaʻawale ʻana i ke koko, a me nā hale kūʻai mālama mālama hale hānai. |
| Hoʻolālā B | Medicare Part A coinsurance a me nā koina o 365 mau lā ke kumu kūʻai o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, ka ʻāpana B kālā a i ʻole nā copayments, nā kinipona 3 mua loa o ka hoʻoliʻiliʻi koko, mālama kālā a me nā copayments mālama, a me kāu ʻāpana i unuhi ʻia. |
| Hoʻolālā C | Medicare Māhele A kālā a me nā kumukūʻai o 365 mau lā ke kumu kūʻai o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, ʻāpana B kālā a i ʻole nā copayments, nā kinipona 3 mua loa o ka hoʻoliʻiliʻi koko, mālama kālā kālā hale mālama a me nā copayments, ka waihona kālā mālama pono mākau, kāu ʻĀpana i unuhi , kou Māhele B i unuhi ʻia *, a me nā hoʻololi huakaʻi haole a 80% |
| Hoʻolālā D | ʻO ka mahele Medicare ʻĀpana kālā a me nā kumukūʻai o 365 mau lā o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, ʻāpana B ʻāpana kālā a i ʻole nā copayments, nā kinipona 3 mua loa o ka hoʻokaʻawale ʻana i ke koko, mālama kālā a me nā hale kūʻai mālama kālā. deductible, a me nā huakaʻi hele haole a 80% |
| Hoʻolālā F | ʻO ka mahele Medicare ʻĀpana kālā a me nā kumukūʻai o 365 mau lā ke kumu kūʻai o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, ʻāpana B ʻāpana kālā a i ʻole nā copayments, nā kinipona 3 mua loa o ka hoʻokaʻawale ʻana i ke koko, ka mālama ʻana i ka hale hoʻokipa kālā a me nā copayments, ka waihona kālā no nā keʻena hānai mākau, kāu ʻĀpana A hiki ke unuhi ʻia, hoʻoemi ʻia kāu ʻĀpana B *, nā ʻāpana B i uku ʻia e kāu mea hāʻawi ma mua o ka Medicare e ʻae ai (nā uku keu), a me nā hoʻololi huakaʻi haole a 80%. |
| Hoʻolālā G | ʻO ka mahele Medicare ʻĀpana kālā a me nā kumukūʻai o 365 mau lā ke kumu kūʻai o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, ʻāpana B ʻāpana kālā a i ʻole nā copayments, nā kinipona 3 mua loa o ka hoʻokaʻawale ʻana i ke koko, ka mālama ʻana i ka hale hoʻokipa kālā a me nā copayments, ka waihona kālā no nā keʻena hānai mākau, kāu ʻĀpana A unuhi ʻia, Māhele B nā koina a kāu mea hāʻawi e uku ai ma mua o ka Medicare e ʻae ai (ʻoi aku ka uku), a me nā huakaʻi huakaʻi hele haole a 80%. |
| Hoʻolālā K | Māhele Medicare ʻĀpana a me nā kumukūʻai o 365 mau lā ke kumu kūʻai o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, 50% o ka ʻāpana B ʻāpana kālā a i ʻole nā copayments, 50% o ke kumukūʻai o nā 3 pine mua o kahi hoʻoiho koko, 50% o ka mālama mālama mālama hale hoʻokipa. a i ʻole nā copayments, 50% o coinsurance no nā mākau hanai hānai, 50% o kāu Mahele A i unuhi ʻia - me kahi palena o waho o ka ʻeke o $ 6,220 no 2021 |
| E hoʻolālā L | Māhele Medicare ʻĀpana kālā a me nā kumukūʻai o 365 mau lā ke kumu kūʻai o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, 75% o ka ʻāpana B ʻāpana kālā a i ʻole nā copayments, 75% o ke kumukūʻai o nā kineta 3 mua o kahi hoʻoiho koko, 75% o ka mālama kālā mālama hale hoʻokipa. a i ʻole nā copayments, 75% o ka coinsurance no nā mākau hanai hānai, 75% o kāu Mahele A i unuhi ʻia - me kahi palena o waho o ka ʻeke o $ 3,110 no 2021 |
| Hoʻolālā M | Medicare Māhele A kālā a me nā koina o 365 mau lā ke kumu kūʻai o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, ʻāpana B ʻāpana kālā a i ʻole nā copayments, nā kinipona 3 mua loa o ka hoʻokaʻina ʻana o ke koko, mālama kālā a me nā hale kūʻai mālama kālā. deductible kāu ʻĀpana A, a me nā huakaʻi huakaʻi haole i 80% |
| Hoʻolālā N | ʻO ka mahele Medicare ʻĀpana kālā a me nā kumukūʻai o 365 mau lā ke kumu kūʻai o ka mālama ʻana ma hope o ka pau ʻana o nā pono Medicare, ʻāpana B ʻāpana kālā a i ʻole nā copayments, nā kinipona 3 mua loa o ka hoʻokaʻawale ʻana i ke koko, ka mālama ʻana i ka hale hoʻokipa kālā a me nā copayments, ka waihona kālā no nā keʻena hānai mākau, kāu ʻĀpana A deductible, a me nā huakaʻi hele haole a 80% |
* Ma hope o Ianuali 1, 2020, hiki ʻole i ka poʻe hou iā Medicare ke hoʻohana i nā hoʻolālā Medigap e uku i ka Medicare Part B i unuhi ʻia. Akā inā ua kau inoa ʻoe i Medicare a uku kāu hoʻolālā i kēia manawa, hiki iā ʻoe ke mālama i kēlā hoʻolālā a me ka pono.
ʻO ka lawe lawe ʻana
Hiki iā ia ke hoʻolōʻihi i ka manawa a me ka hoʻoikaika ʻana e kānana i nā ʻano o nā hoʻolālā Medicare. Akā hāʻawi kēia mau koho iā ʻoe i nā koho hou aʻe e pili ana i ka uhi ʻana a me ke kumukūʻai o kāu olakino.
Ke hiki mua ʻoe no Medicare, e nānā pono i kāna mau ʻāpana āpau e ʻike i ke kūpono kūpono loa a hōʻole i nā hoʻopaʻi ma hope.
Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 17, 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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