Medicare Māhele G: He aha ia e uhi ai a me nā mea hou aʻe

Anter

• ʻO Medicare Māhele B nā koina i ʻoi aku
• He aha ka uhi G Medicare kumukanawai G?
• Ka hoʻomaopopo ʻana iā Medigap
• Ke hoʻoholo nei i kahi hoʻolālā Medigap
• ʻO Medigap ma Massachusetts, Minnesota, a me Wisconsin
• He aha nā kuleana pili pilikia?
• Lawe aku

Uhi ka Medicare Supplement Plan G i kāu ʻāpana o nā pono olakino (me ka ʻokoʻa o ka mea lawe i waho.) Uhi ʻia e Medicare kumu. Ua kapa ʻia ʻo Medigap Plan G.

ʻO Medicare kumu me Medicare Part A (ʻinikua haukapila) a me Medicare ʻāpana B (ʻinikua olakino).

ʻO Medigap Plan G kekahi o nā mea i makemake nui ʻia o 10 i loaʻa nā hoʻolālā ma muli o ka laulā ākea, e like me ka uhi ʻana no ka ʻāpana B ʻoi aku ka uku.

E hoʻomau i ka heluhelu ʻana e aʻo hou aʻe e pili ana i ka Medicare Part G a me ka mea e uhi ai.

ʻO Medicare Māhele B nā koina i ʻoi aku

Mālama wale ʻo Medicare Part B i nā mea lawelawe olakino e komo pū me Medicare. Inā koho ʻoe i kahi mea hāʻawi i komo ʻole me Medicare, hiki i kēlā mea hāʻawi ke hoʻoili i 15 pakeneka ʻoi aʻe ma mua o ka maʻamau Medicare rate.

Manaʻo ʻia kēia uku hou he ʻāpana B ʻoi aku ka uku. Inā ʻaʻole uhi kāu hoʻolālā Medigap i ka ʻāpana ʻoi aku o ka uku B, e uku aku ʻoe i waho o ka ʻeke.

He aha ka uhi G Medicare kumukanawai G?

I ka manawa āu i uku ai i kāu hoʻemi ʻia, ʻo ka hapa nui o nā kulekele Medigap e uhi i ka coinsurance. Uku kekahi i nā kulekele Medigap i ka unuhi.

ʻO Coverage me ka Plan Supplement Medicare G pū kekahi:

• Māhele kahi ʻāpana kālā a me nā kumukūʻai o ka haukapila ma hope o ka hoʻohana ʻia ʻana o nā pono Medicare (a hiki i kahi 365 mau lā hou aʻe): 100 pakeneka
• Lawe ʻia ka ʻāpana A: 100 pakeneka
• Māhele A mālama hānai kālā kālā a i ʻole copayment: 100 pakeneka
• Māhele B ʻili kālā a i ʻole copayment: 100 pakeneka
• Unuhi ʻia ka ʻāpana B: ʻaʻole i uhi ʻia
• ʻO ka uku ʻoi aku ka ʻāpana B: 100 pakeneka
• Mālama mālama mālama mālama mālama mālama mālama kālā: 100 pakeneka
• ke koko (3 pints mua): 100 pakeneka
• kūkaʻi huakaʻi haole: 80 pakeneka
• palena o waho o ka ʻeke: ʻaʻole pili

Ka hoʻomaopopo ʻana iā Medigap

ʻO nā kulekele Medigap, e like me Medicare Supplement Plan G, kōkua i ka uhi ʻana i nā kumukūʻai mālama ola i uhi ʻole ʻia e Medicare kumu. ʻO kēia mau kulekele:

• kūʻai ʻia e nā ʻoihana ʻinikua pilikino
• kaulike a hāhai i nā kānāwai pekelala a mokuʻāina hoʻi
• ʻike ʻia ma ka hapanui o nā mokuʻāina e ka leka like, ma kēia hihia, ʻo "G"

Hoʻokahi wale nō kanaka i kahi kulekele Medigap. Pono ʻoe a me kāu wahine i kēlā me kēia kulekele.

Inā makemake ʻoe i kahi kulekele Medigap, ʻo ʻoe:

• pono e loaʻa iā Medicare Part A a me Part B
• ʻaʻole hiki ke loaʻa kahi hoʻolālā Medicare Advantage
• e loaʻa i kahi uku kālā ma ka mahina (me ka hoʻohui i kāu uku uku Medicare)

Ke hoʻoholo nei i kahi hoʻolālā Medigap

ʻO kekahi ʻano o ka loaʻa ʻana o kahi hoʻolālā ʻinikua kōkua Medicare e kū pono i kāu mau pono ma o ka "E ʻike i kahi kulekele Medigap e hana ana iā ʻoe" polokalamu ʻimi pūnaewele. Hoʻonohonoho ʻia kēia mau pono hana pūnaewele e nā U.S. Center for Medicare & Medicaid Services (CMS).

ʻO Medigap ma Massachusetts, Minnesota, a me Wisconsin

Inā ʻoe e noho ana ma Massachusetts, Minnesota a i ʻole Wisconsin, hoʻohālikelike ʻia nā kulekele Medigap ma mua o nā mokuʻāina ʻē aʻe. ʻOkoʻa nā kulekele, akā ua hōʻoia ʻoe i nā kuleana hoʻopuka e kūʻai i kahi kulekele Medigap.

• Ma Massachusetts, loaʻa kahi hoʻolālā Medigap i kahi Plan Core a me kahi Hoʻohui 1 Hoʻohui.
• Ma Minnesota, loaʻa nā hoʻolālā Medigap i nā papahana pono a me nā Extaced Basic.
• Ma Wisconsin, loaʻa kahi hoʻolālā Medigap i kahi hoʻolālā Basic a me 50 pākēneka a me 25 pākēneka hoʻolālā hoʻolālā.

No ka ʻike kikoʻī, hiki iā ʻoe ke hoʻohana i ka "E ʻike i kahi kulekele Medigap e hana nei nāu" i nā pono ʻimi a kāhea paha i kāu ʻinikua mokuʻāina.

He aha nā kuleana pili pilikia?

Nā kuleana hoʻopuka i hōʻoia ʻia (i kapa ʻia ʻo Medigap protection) koi i nā ʻoihana ʻinikua e kūʻai aku iā ʻoe i kahi kulekele Medigap e:

• uhi i nā kūlana olakino preexisting
• ʻaʻole kumu kūʻai hou aʻe ma muli o nā kūlana olakino o ka wā i hala

Hoʻokomo pinepine ʻia nā kuleana pilikia i ka wā e loli ai kāu uhi olakino, e like me inā ʻoe i kākau inoa ʻia i kahi Medicare Advantage Plan a oki ka hāʻawi ʻana i ka mālama i kāu wahi, a i ʻole inā hoʻomaha ʻoe a hoʻopau ka mālama olakino a kāu limahana.

E kipa i kēia ʻaoʻao no ka ʻike hou aku e pili ana i nā pono kīnā i hōʻoia ʻia.

Lawe aku

ʻO ka Medicare Supplement Plan G kahi kulekele Medigap i kōkua i ka uhi ʻana i nā kumukūʻai mālama ola i uhi ʻole ʻia e Medicare kumu. ʻO ia kekahi o nā hoʻolālā Medigap nui loa, me ka uhi ʻana no Medicare Part B nā koina ʻoi aku.

Hoʻohālikelike ʻia nā kulekele Medigap ma Massachusetts, Minnesota, a me Wisconsin. Inā noho ʻoe i kekahi o kēlā mau mokuʻāina, pono ʻoe e nānā i kā lākou mōhai Medigap e kiʻi i kahi kulekele e like me ka Medicare Supplement Plan G.

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.