He aha ka Medicare? ʻO nā mea āpau āu e ʻike ai e pili ana i nā kumuhana Medicare

Anter

• He aha ka Medicare?
• Mahele Medicare A
• Mahele B Medicare
• Mahele Medicare C
• Mahele Medicare D
• Medigap
• He aha ka uhi a Medicare?
• Māhele A ʻāpana
• Māhele B ʻāpana
• Uhi ʻāpana C
• Uhi ʻāpana D
• ʻIglapa Medigap
• Ke kūpono no Medicare
• Kākau inoa ʻia ma Medicare
• He aha nā kumukūʻai?
• Nā kumukūʻai A ʻāpana
• Nā kumukūʻai B ʻāpana B
• Nā koina C ʻāpana
• Nā kumukūʻai D ʻāpana
• Nā koina Medigap
• He aha ka ʻokoʻa ma waena o Medicare a me Medicaid?
• ʻO ka lawe lawe ʻana

• ʻO Medicare kahi koho ʻinikua olakino i loaʻa i kēlā me kēia makahiki 65 a ʻoi a me nā poʻe me nā kūlana olakino a me nā kīnā ʻole.
• KūloheloheUhi ka Medicare (ʻāpana A a me B) i ka hapa nui o kou haukapila a me nā pono olakino.
• Nā ʻāpana ʻē aʻe oʻO Medicare (ʻĀpana C, ʻĀpana D, a me Medigap) nā hoʻolālā ʻinikua pilikino e hāʻawi i nā keu pono a me nā lawelawe.
• ʻO nā koina Medicare i kēlā me kēia mahina a me ka makahiki e pili pū me nā uku uku, nā unuhi, nā copayments, a me nā moni hoʻoliʻiliʻi.

ʻO Medicare kahi koho ʻinikua olakino kālā ʻia e ke aupuni i loaʻa i nā ʻAmelika nona ka makahiki 65 a ʻoi a me nā mea me nā ʻano olakino olakino olakino. Nui nā koho ʻokoʻa no ka laulā Medicare, no laila he mea nui e hoʻomaopopo i ke ʻano o ka uhi e hiki i kēlā me kēia hoʻolālā ke hāʻawi iā ʻoe.

Ma kēia ʻatikala, e ʻimi mākou i nā mea āpau e pili ana i nā kumuhana Medicare, mai ka uhi ʻana, i nā kumukūʻai, i ke kākau inoa ʻana, a me nā mea hou aʻe.

He aha ka Medicare?

ʻO Medicare kahi papahana i kākoʻo kālā ʻia e ke aupuni e hāʻawi i ka ʻinikua olakino i ko ʻAmelika e piha ana nā makahiki 65 a ʻoi. ʻO kekahi poʻe i ʻōpio ma mua o 65 mau makahiki a loaʻa i nā olakino olakino a i ʻole kīnā ʻole hiki ke koho ʻia no ka uhi Medicare.

Aia nā Medicare i nā "ʻāpana" he nui i hiki iā ʻoe ke kākau inoa no nā ʻano like ʻole o ke ʻano mālama ola.

Mahele Medicare A

ʻO Medicare Māhele A, ʻo ia hoʻi ka ʻinikua haukapila, uhi ʻia nā lawelawe i loaʻa iā ʻoe ke ʻae ʻia ʻoe i kahi haukapila a i ʻole kahi lawelawe olakino maʻi maʻi. Aia kahi unuhi e hui a me nā uku hoʻolimalima. Hiki paha iā ʻoe ke uku i kahi uku no ka ʻāpana A ʻaoʻao, e pili ana i kāu pae loaʻa.

Mahele B Medicare

ʻO Medicare ʻĀpana B, i ʻike ʻia he ʻinikua olakino, uhi i nā lawelawe kōkua pale maʻi, diagnostic, a me nā lawelawe lapaʻau e pili ana i kāu olakino. Aia kekahi hoʻoliʻiliʻi makahiki a me kahi uku nui o ka mahina e uhi ai, a me kekahi koina hoʻolele kālā.

Hoʻohui ʻia, ʻike ʻia nā ʻāpana Medicare A a me B ma ke ʻano he “Medicare kumu.”

Mahele Medicare C

ʻO Medicare Part C, i ʻike ʻia ʻo Medicare Advantage, kahi koho ʻinikua pilikino e uhi i nā lawelawe Medicare Part A a me Part B. Hāʻawi ka hapanui o nā hoʻolālā Medicare Advantage i kahi uhi hou aʻe no nā lāʻau i kuhikuhi ʻia, hihiʻo, niho, hoʻolohe, a me nā mea hou aʻe. Hiki iā ʻoe ke uku i nā uku no kēlā me kēia mahina a me nā copay me kēia hoʻolālā, ʻoiai he ʻokoʻa nā kumukūʻai.

Mahele Medicare D

ʻO Medicare Part D, i ʻike ʻia ma ke ʻano he lāʻau lāʻau lapaʻau, hiki ke hoʻohui ʻia ma Medicare kumu a kōkua i ka uhi ʻana i kekahi o kāu kumukūʻai lāʻau lāʻau. E uku ʻoe i kahi ʻemi ʻemi ʻē aʻe a me ka uku no kēia hoʻolālā.

Medigap

ʻO Medigap, i ʻike ʻia ma ke ʻano he inikua kōkua Medicare, hiki ke hoʻohui ʻia i ka Medicare kumu a kōkua i ka uhi ʻana i kekahi o kāu koina Medicare i waho o ka ʻeke. E uku ʻoe i kahi uku hoʻokaʻawale no kēia hoʻolālā.

He aha ka uhi a Medicare?

Aia kāu ʻikepili Medicare i nā ʻāpana o Medicare āu i komo ai.

Māhele A ʻāpana

Uhi ka Medicare Part A i ka hapa nui o nā lawelawe o ka haukapila, e like me:

• mālama hale maʻi maʻi
• mālama rehab hale maʻi
• mālama psychiatric maʻi maʻi
• mālama kahu hānai hānai palena ʻia
• kaupalena 'mālama ola
• mālama hale hoʻokipa

ʻAʻole uhi ka Medicare Part A i nā lawelawe o ka haukapila i waho, e like me nā kipa ʻana o ka lumi pōpilikia i hopena ʻole i ka noho ʻana o ka poʻe maʻi. Ma kahi o, ua uhi ʻia nā lawelawe ʻoihana haukapila ma lalo o Medicare Part B.

ʻAʻole uhi ka ʻāpana A i ka hapa nui o nā pono lumi lumi haukapila, mālama pilikino a me kahi mālama mālama, a me ka mālama wā lōʻihi.

Māhele B ʻāpana

Uhi ka Medicare ʻāpana B i nā lawelawe lapaʻau e pono ai ka preventative, diagnostic, a me nā lawelawe lapaʻau, e like me:

• lawelawe pale
• kaʻa kaʻahua kaʻa kaʻa pilikia
• nā lawelawe diagnostics, e like me nā hoʻokolohua koko a i ʻole nā ​​kukuna X
• nā hoʻoponopono a me nā lāʻau i lawelawe ʻia e kahi ʻoihana ola
• lako pono ola kino
• lawelawe noiʻi hoʻokolohua
• nā lawelawe olakino noʻonoʻo maʻi

Mālama ʻo Medicare ʻĀpana B i ka nui o nā lawelawe pale, mai ka loiloi ʻana i nā maʻi a i nā loiloi olakino noʻonoʻo. Uhi pū kekahi i kekahi mau lāʻau āpau, e like me nā mea no ka flu, hepatitis B, a me ka niumonia.

ʻAʻole uhi ka ʻāpana B i ka nui o nā lāʻau i kuhikuhi ʻia a hāʻawi wale ʻia ka palena lāʻau lapaʻau palena ʻole.

Uhi ʻāpana C

Uhi ka Medicare ʻĀpana C i nā mea āpau ma lalo o ka Medicare Part A a me ka ʻĀpana B. ʻO ka hapa nui o nā papahana Medicare ʻāpana C e uhi pū kekahi:

• lāʻau lapaʻau
• lawelawe kahua niho
• nā lawelawe ʻike
• lawelawe hoʻolohe
• nā papahana hoʻoikaika kino a me nā lālā hoʻoikaika kino
• nā kōkua hou olakino

ʻAʻole uhi nā hoʻolālā Medicare Advantage āpau i nā lawelawe ma luna, no laila he mea nui e hoʻohālikelike i kāu mau koho i ke kūʻai ʻana a puni no ka hoʻolālā Medicare Advantage maikaʻi loa nāu.

Uhi ʻāpana D

Uhi ka Medicare Part D i nā lāʻau i kuhikuhi ʻia. He formulary kēlā me kēia papa lāʻau lapaʻau Medicare, a i ʻole ka papa inoa o nā lāʻau i ʻae ʻia i uhi ʻia. Pono i ka formulary ma kahi o ʻelua mau lāʻau no kēlā me kēia papa lāʻau i kuhikuhi ʻia, a me:

• lāʻau lapaʻau maʻi ʻaʻai
• anticonvulsants
• lāʻau antidepressants
• antipsychotics
• Nā lāʻau HIV / AIDS
• lāʻau hoʻomalu pale pale

Aia kekahi mau lāʻau i kuhikuhi ʻole ʻia e uhi ʻia ma lalo o ka Māhele D, e like me nā mea i hoʻohana ʻia e mālama ai i ka hana erectile a i ʻole nā ​​lāʻau ʻoi loa.

He mau rula kā kēlā me kēia papa lāʻau lapaʻau, no laila he mea nui e noʻonoʻo i kēia ke hoʻohālikelike i nā hoʻolālā.

ʻIglapa Medigap

I kēia manawa aia he 10 mau hoʻolālā Medigap ʻokoʻa e hiki iā ʻoe ke kūʻai ma o nā ʻoihana ʻinikua pilikino. Kōkua nā hoʻolālā Medigap i ka uhi ʻana i nā kumukūʻai ma waho o ka ʻeke e pili pū ana me kāu lawelawe Medicare, i hiki ke hoʻopili ʻia:

• Lawe ʻia kahi ʻāpana A
• Mahele A kālā a me nā kumukūʻai o ka haukapila
• Māhele A ʻo ka hale mālama kālā a me nā koina copayment
• Hoʻemi ʻia ka ʻāpana B a me nā uku uku mahina
• ʻO ka ʻāpana kālā B a i ʻole nā ​​koina copayment
• ʻO nā uku ʻoi aʻe ka ʻāpana B
• hoʻoliʻiliʻi koko (3 pints mua)
• nā koina mālama kālā mākaukau mākau pono
• nā kumukūʻai lapaʻau i ka wā e huakaʻi ana ma waho o ʻAmelika Hui Pū ʻIa

He mea nui ia e ʻike ʻaʻole hāʻawi nā hoʻolālā Medigap i kahi uhi Medicare hou aʻe. Ma kahi wale nō, kōkua wale lākou me nā kumukūʻai e pili ana i nā hoʻolālā Medicare āu i kākau ai.

Ke kūpono no Medicare

Ua kūpono ka hapa nui o ka poʻe e hoʻomaka e kākau inoa i ka Medicare kumu 3 mau mahina ma mua o ko lākou piha makahiki 65th. Eia nō naʻe, aia kekahi mau hanana i hiki ke koho ʻia ʻoe no ka uhi Medicare i kēlā me kēia makahiki. Loaʻa kēia mau ʻokoʻa:

• Nā kīnā ʻole. Inā loaʻa iā ʻoe nā pōmaikaʻi kīnā ʻole o ka mahina ma o ka Social Security Administration a i ʻole Railway Retensions Board (RRB), hiki iā ʻoe ke koho no Medicare ma hope o 24 mau mahina.
• ʻO Amyotrophic lateral sclerosis (ALS). Inā loaʻa iā ʻoe ka ALS a loaʻa nā pōmaikaʻi nohona olakino a i ʻole RRB, kūpono ʻoe i Medicare mai ka mahina mua.
• Hoʻopau i ka maʻi ʻōiwi (ESRD). Inā loaʻa iā ʻoe ʻo ESRD, koho ʻia ʻoe e kau inoa ma Medicare.

I ke kau inoa ʻana i nā ʻāpana Medicare A a me B, hiki i nā ʻAmelika kūpono ke kākau inoa i kahi papahana Medicare Advantage.

Kākau inoa ʻia ma Medicare

ʻO ka hapa nui o ka poʻe i kūpono no ka uhi ʻana ʻo Medicare e pono e kākau inoa i ka wā o ke kau inoa. ʻO nā wā a me nā lā palena palena no ke kākau inoa ʻana Medicare:

• Kakau inoa mua. Hoʻopili kēia i nā mahina 3 ma mua, ka mahina o, a me ka 3 mau mahina ma hope o kou piha ʻana i ka makahiki 65.
• Ke kākau inoa nui ʻana. ʻO kēia mai Ianuali 1 a hiki i Malaki 31 inā ua hala ʻoe i kāu kau kau inoa mua. Eia nō naʻe, pili paha nā uku no ke kākau inoa lohi.
• Kakau inoa kūikawā. He koho kēia no kekahi mau mahina e pili ana i kāu kumu no ke koho ʻana.
• Hoʻokomo inoa Medigap. Hoʻopili kēia i nā mahina 6 ma hope o kou piha ʻana i 65 mau makahiki.
• ʻO Medicare Māhele D ke kākau inoa. ʻO kēia mai ʻApelila 1 a Iune 30 inā ua hala ʻoe i kou wā kau inoa mua.
• Hoʻokomo inoa. Hiki iā ʻoe ke hoʻololi i kāu uhi ʻana mai ʻOkakopa 15 a i Kekemapa 7 i kēlā me kēia makahiki inā makemake ʻoe e kākau inoa, hoʻokuʻu, a hoʻololi paha i kahi hoʻolālā Medicare.

E hoʻokomo inoa ʻia ʻoe i nā ʻāpana Medicare A a me B inā:

• ke hoʻohuli nei ʻoe i nā makahiki 65 ma loko o 4 mau mahina a ke loaʻa nei iā ʻoe nā keu kīnā
• ʻaʻole ʻoe e huli i ka makahiki 65 akā ke loaʻa nei nā pōmaikaʻi kīnā no 24 mau mahina
• ʻaʻole ʻoe e huli i nā makahiki 65 akā ua ʻike ʻia me ALS a i ʻole ESRD

No kēlā me kēia mea i kākau inoa ʻole ʻia i Medicare, pono ʻoe e kākau inoa ma o ka pūnaewele Social Security. Inā ʻaʻole ʻoe e kau inoa ma nā wā kau inoa, aia nā hoʻopaʻi no ke kākau inoa hope ʻana.

He aha nā kumukūʻai?

E pili ana kāu kumukūʻai Medicare i ke ʻano o kāu hoʻolālā.

Nā kumukūʻai A ʻāpana

Loaʻa nā kumukūʻai ʻo Medicare Part A:

• Mahele A uku nui: ma lalo o $ 0 (ʻāpana manuahi ʻApana A) a i ʻole kiʻekiʻe ma kahi o $ 471 i kēlā me kēia mahina, ke kaukaʻi ʻia i ka lōʻihi o kāu a me kāu kāne e hana ai i kou wā e ola ana.
• Hoʻokaʻawale ʻia kahi ʻāpana A: $ 1,484 no ka wā pōmaikaʻi
• Māhele A ʻāpana kālā. mai ka $ 0 a hiki i ke kumukūʻai holoʻokoʻa o ka lawelawe e like me ka lōʻihi o kou noho ʻana

Nā kumukūʻai B ʻāpana B

ʻO nā kumukūʻai Medicare Part B:

• Mahele B uku nui: e hoʻomaka ana ma $ 148.50 i kēlā me kēia mahina a ʻoi paha, e pili ana i kāu loaʻa kālā
• Unuhi ʻia ka ʻāpana B: $ 203 i kēlā me kēia makahiki
• Māhele B ʻili kālā: 20 pākēneka o ka Medicare-ʻae kālā no nā ʻāpana B lawelawe i uhi ʻia

Nā koina C ʻāpana

E uku nō ʻoe i nā kumukūʻai Medicare kumu ke kau inoa ʻoe i ka Medicare Māhele C. Hoʻolālā paha nā hoʻolālā Medicare Advantage i nā kumukūʻai hoʻolālā, hiki ke hoʻopili ʻia:

• uku uku mahina
• hoʻoliʻiliʻi makahiki
• hoʻemi ʻia ka lāʻau lapaʻau
• copayments a me ka coinsurance

Hiki ke loli kēia mau kumukūʻai hoʻolālā Medicare Advantage ma muli o kahi e noho ai a me ka mea hoʻolako ʻinikua āu e koho ai.

Nā kumukūʻai D ʻāpana

E uku ʻoe i kahi uku hoʻokaʻawale no ka hoʻolālā Medicare Part D, a me nā copayment no kāu lāʻau i kuhikuhi ʻia. Hoʻololi kēia mau helu copayment ma muli o ka formulary "tier" i hāʻule ai kāu lāʻau lāʻau. Loaʻa i kēlā me kēia hoʻolālā nā kumukūʻai like ʻole a me nā lāʻau i loko o kā lākou pae.

Nā koina Medigap

E uku ʻoe i kahi uku hoʻokaʻawale no kahi kulekele Medigap. Eia nō naʻe, e noʻonoʻo i ka manaʻo o nā hoʻolālā Medigap e kōkua i ke kāpae ʻana i kekahi o nā kumu kūʻai Medicare kumu ʻē aʻe.

ʻO kekahi o nā ala e uku ai i kāu bila Medicare i kēlā me kēia mahina e komo pū ana:

• Pūnaewele ʻo Medicare, me kahi kāleka hōʻaiʻē a i ʻole kāleka hōʻaiʻē
• ma ka leka uila, e hoʻohana ana i kahi palapala hōʻoia, ʻoka kālā, a i ʻole palapala uku

ʻO kahi ala ʻē aʻe e uku ai i kāu bila Medicare i kapa ʻia ʻo Medicare Easy Pay. ʻO Medicare Easy Pay kahi lawelawe manuahi e ʻae iā ʻoe e uku i kāu Medicare Part A a me nā ʻāpana B uku nui ma o ka unuhi ʻana o ka panakō aunoa.

Inā ʻoe i kākau inoa ʻia i nā ʻāpana Medicare A a me B, hiki iā ʻoe ke ʻike hou aʻe e pili ana i ke kākau inoa ʻana i Medicare Easy Pay ma ke kaomi ʻana ma aneʻi.

He aha ka ʻokoʻa ma waena o Medicare a me Medicaid?

Medicare ʻO ia ka papahana inikua olakino kālā ʻia e ke aupuni i loaʻa i nā ʻAmelika he 65 a ʻoi paha makahiki a me nā poʻe me kekahi mau kūlana a kīnā ʻole paha.

Medicaid ʻo ia ka papahana inikua olakino kālā ʻia e ke aupuni i loaʻa i nā ʻAmelika e kūpono ana me ka loaʻa kālā haʻahaʻa.

Hiki paha iā ʻoe ke koho no ka uhi Medicare a me Medicaid. Inā kū kēia, ʻo Medicare kāu ʻinikua mua a ʻo Medicaid kāu ʻinikua lua e kōkua me nā kumukūʻai a me nā lawelawe ʻē aʻe ʻaʻole i uhi ʻia e Medicare.

Hoʻoholo ʻia ka pono Medicaid e kēlā me kēia mokuʻāina a hoʻokumu ʻia i nā ana aʻe:

• loaʻa kālā loaʻa makahiki
• nui ʻohana
• kūlana ʻohana
• kūlana kīnā
• kūlana kupa

Hiki iā ʻoe ke ʻike inā kūpono ʻoe no ka laulā Medicaid e ke kelepona ʻana ʻana a i ʻole ke kipa ʻana i kāu keʻena lawelawe kaiāulu kūloko no ka ʻike hou aku.

ʻO ka lawe lawe ʻana

He koho inikua olakino kaulana ʻo Medicare no ka poʻe ʻAmelika he 65 a ʻoi paha makahiki a i ʻole he mau kīnā paha. Uhi ʻo Medicare Part A i nā lawelawe haukapila, ʻo Medicare ʻĀpana B e uhi i nā lawelawe olakino.

Kōkua ʻo Medicare Part D i ka uhi ʻana i nā koina lāʻau lapaʻau, a kōkua ka hoʻolālā Medigap i ka uhi ʻana i ka uku Medicare premium a me coinsurance. Hāʻawi nā hoʻolālā Medicare Advantage i ka maʻalahi o nā koho āpau i kahi hoʻokahi.

No ka loaʻa a hoʻopaʻa inoa ʻana i kahi hoʻolālā Medicare i kou wahi, e kipa iā Medicare.gov a hoʻohana i ka mea loaʻa loaʻa ma ka pūnaewele.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 18, 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.