He aha nā uhi Medicare

Anter

• 5 mau mea āu e ʻike ʻole ai e pili ana iā Medicare
• Mahele Medicare A
• He aha ke kumukūʻai ʻo Medicare Part A?
• Mahele B Medicare
• He aha ke kumukūʻai ʻo Medicare Part B?
• Mahele Medicare C
• He aha ke kumukūʻai ʻo Medicare Part C?
• Mahele Medicare D
• He aha ke kumukūʻai ʻo Medicare Part D?
• He aha ka mea e uhi ʻole ai ʻo Medicare
• ʻO ka lawe lawe ʻana

ʻElima mau koho nui a Medicare e hāʻawi nei i nā pono olakino i nā makahiki 65 a ʻoi a me nā poʻe me ke kino kīnā a me kekahi mau maʻi maʻamau.

• Hāʻawi ka Medicare ʻĀpana A i ka uhi o ka haukapila maʻamau.
• Uhi ka Medicare ʻāpana B i ka mālama o waho e like me ke kipa ʻana a me nā hoʻokolohua diagnostics.
• ʻO Medicare Part C (Medicare Advantage) kahi koho pilikino e hoʻohui i ka ʻāpana A a me ka ʻĀpana B a hāʻawi i nā pono hou aʻe.
• ʻO Medicare ʻĀpana D ka laʻau lāʻau i kuhikuhi ʻia.
• ʻO Medicare supplement (Medigap) kahi ʻinikua pilikino e kōkua i ka uhi ʻana i nā kumukūʻai mai loko mai o ka ʻeke e like me copay, coinsurance, a me deductibles.

Ke hiki mai i ke olakino, he mea nui e ʻike i ka mea i uhi ʻia a me nā mea ʻole. Ma muli o ka nui o nā hoʻolālā like ʻole no Medicare, hiki ke huikau ke ʻike i kahi hoʻolālā e hāʻawi iā ʻoe i ka uhi kūpono. ʻO ka mea pōmaikaʻi, aia kekahi mau mea hana i hiki ke maʻalahi iā ʻoe.

ʻO Medicare ka papahana ʻinikua i hāʻawi ʻia e ke aupuni pekelala no ka poʻe nona ka makahiki 65 a ʻoi, a ʻo nā poʻe me ke kino kīnā a me nā poʻe i loaʻa ka hopena o ka maʻi kōpū (ESRD), kahi ʻano kīnā ʻole o ka hakuʻala.

5 mau mea āu e ʻike ʻole ai e pili ana iā Medicare

ʻEhā mau ʻāpana o ka papahana Medicare: A, B, C, a me D. Hoʻopiʻi kēlā me kēia ʻāpana i nā ʻaoʻao like ʻole o ke olakino. Hiki iā ʻoe ke kākau inoa i hoʻokahi a ʻoi paha mau ʻāpana o Medicare, akā ʻo nā ʻāpana maʻamau ka poʻe e kākau inoa ai he mau ʻāpana A a me B, i ʻike ʻia ʻo Medicare kumu. Uhi kēia mau ʻāpana i ka hapa nui o nā lawelawe. Pono ka poʻe e uku i kahi uku no kēlā me kēia mahina, akā ʻokoʻa kēia e pili ana i ka loaʻa kālā.

Mahele Medicare A

Uhi ka Medicare ʻĀpana i nā kumukūʻai maʻi o ka haukapila ke ʻae ʻia ʻoe i kahi haukapila me ke kauoha a ke kauka. Hāʻawi ia i nā pono no nā lawelawe e like me:

• nā mea hele wāwae a me nā noho huila
• mālama hale hoʻokipa
• kekahi mau lawelawe mālama ola home
• hoʻoliʻiliʻi koko

Hāʻawi ka ʻāpana A i ka palena palena palena no nā keʻena hānai mākau inā loaʻa iā ʻoe kahi kūpono e noho ai i ka haukapila maʻi - ʻekolu mau lā ma hope o kahi kauoha komo komo maʻi i kākau ʻia e kāu kauka.

He aha ke kumukūʻai ʻo Medicare Part A?

Kaukaʻi ʻia i kāu loaʻa kālā, pono paha ʻoe e uku i kahi uku no ka ʻāpana A. Inā ʻoe i hana a uku i nā ʻauhau FICA no 10 mau makahiki, ʻaʻole ʻoe e uku uku no ka ʻāpana A. Eia nō naʻe, pono paha ʻoe e uku i nā uku kope a i ʻole lawe ʻia no nā lawelawe ma lalo o Medicare Part A. Hiki iā ʻoe ke noi no ke kōkua a kōkua inā hiki iā ʻoe. uku.

Wahi a Medicare, me ka hoʻohui ʻia o kahi $ 1,484 i unuhi ʻia, loaʻa i kāu koina 2021 Māhele A:

• ʻO $ 0 coinurance no nā lā o ka haukapila 1-60
• $ 371 coinsurance i kēlā me kēia lā no nā lā hoʻomaha hale maʻi 61-90
• $ 742 coinsurance i kēlā me kēia lā no ka lā hoʻomaha hale maʻi 91 a ʻoi aku no kēlā me kēia lā mālama mālama ola
• nā koina āpau no kēlā me kēia lā hōpila ma luna o kou mau lā mālama
• ʻaʻohe uku no nā lā 20 mua o ka mālama pono ʻia ʻana o kahi kahu hānai
• $ 185.50 i kēlā me kēia lā no 21-100 mau lā o ka mālama pono ʻia ʻana o kahi kahu hānai
• nā koina āpau ma hope o 101 mau lā o ka mālama pono ʻia ʻana o kahi kahu hānai
• ʻaʻohe uku no ka mālama hale maʻi

No nā lawelawe ʻo ka haukapila e uhi ʻia e Medicare, pono ʻoe e ʻae ʻia a loaʻa ka mālama i kahi wahi i ʻae ʻia e Medicare.

Mahele B Medicare

Mālama ʻo Medicare Part B i nā lawelawe a kāu kauka a me ke olakino pale, e like me ke kipa ʻana a me nā hoʻokolohua makahiki. Loaʻa pinepine nā poʻe i nā ʻāpana A a me B e loaʻa ai ka uhi ʻoi loa. ʻO kahi laʻana, inā ʻoe e noho i kahi haukapila, e uhi ʻia ka noho ma lalo o Medicare Part A a e uhi ʻia nā lawelawe a ke kauka ma lalo o ka ʻĀpana B.

Māhele ka ʻāpana B i kahi laulā o nā hoʻāʻo a me nā lawelawe, e like me:

• ke kānana no ka maʻi ʻaʻai, kaumaha, a me ka maʻi kō
• nā lawelawe ʻoihana kaʻahua me nā lawelawe pilikia
• influenza a me nā maʻi hepatitis
• lako pono olakino
• lako diabetes

He aha ke kumukūʻai ʻo Medicare Part B?

ʻO kekahi o kāu koina ʻĀpana B he uku uku no $ 148.50 i kēlā me kēia mahina; Eia naʻe, hiki i kāu uku ke emi mai a ʻoi aku a emi paha e pili ana i kāu loaʻa kālā.

Uhi ʻia kekahi mau lawelawe ma lalo o Medicare Part B me ke kumu kūʻai hou ʻole inā ʻike ʻoe i ke kauka e ʻae iā Medicare. Inā makemake ʻoe i kahi lawelawe ma waho o ka mea i uhi ʻia e Medicare, pono ʻoe e uku no kēlā lawelawe iā ʻoe iho.

Mahele Medicare C

Ua kūʻai pilikino ʻia ʻo Medicare Part C, i kapa ʻia ʻo Medicare Advantage, nā ʻinikua like ʻole e like me nā ʻāpana A a me B i hoʻohui ʻia me nā keu keu e like me nā hoʻolālā lāʻau lāʻau, nā niho, nā pepeiao, nā ʻike, a me nā mea ʻē aʻe. I mea e kūʻai ai i kahi hoʻolālā Medicare Advantage, pono ʻoe e kākau inoa ʻia i ka Medicare kumu.

He aha ke kumukūʻai ʻo Medicare Part C?

Uku maʻamau ʻoe i kahi uku no kēia mau hoʻolālā, a pono ʻoe e ʻike i nā kauka i loko o kāu pūnaewele. Inā ʻole, pili paha nā copayments a i ʻole nā ​​uku ʻē aʻe. Kau kāu Medicare Part C i ke ʻano o ka hoʻolālā āu e koho ai.

Mahele Medicare D

ʻO Medicare ʻĀpana D ka papahana e uhi ana i nā lāʻau i kuhikuhi ʻole ʻia e ka ʻāpana B, ʻo ia ke ʻano o nā lāʻau e pono e lawelawe ʻia e ke kauka, e like me ka infusion a i ʻole ka injection. He koho kēia hoʻolālā, akā koho ka poʻe he nui e loaʻa ia no laila uhi ʻia kā lākou lāʻau.

He aha ke kumukūʻai ʻo Medicare Part D?

ʻO ke kumukūʻai no Medicare Part D ʻokoʻa e pili ana i nā ʻano lāʻau āu e lawe ai, ke kumumanaʻo āu, a ʻo ka hale kūʻai lāʻau āu e koho ai. He uku kāu e uku ai, a ke kaukaʻi ʻia i kāu loaʻa kālā, uku paha ʻoe i nā koina hou aʻe. Hiki paha iā ʻoe ke hana i nā palapala hoʻoili a uku paha i kahi unuhi.

He aha ka mea e uhi ʻole ai ʻo Medicare

ʻOiai ʻo Medicare e uhi i ka laulā o ka mālama, ʻaʻole uhi ʻia nā mea āpau. ʻO ka hapa nui o nā mālama niho, nā hoʻāʻo ʻana o ka maka, nā mea hoʻolohe pepeiao, acupuncture, a me nā ʻōkuhi cosmetic ʻaʻole i uhi ʻia e Medicare kumu.

ʻAʻole uhi ʻo Medicare i ka mālama wā lōʻihi. Inā manaʻo ʻoe e pono ʻoe a i ʻole kahi mea aloha i ka mālama wā lōʻihi, e noʻonoʻo i kahi kulekele ʻinikua mālama wā lōʻihi ʻokoʻa.

ʻO ka lawe lawe ʻana

• Hoʻokomo ʻia ʻo Medicare i ʻelima mau ʻano nui o ka uhi ʻana, Māhele A, ʻĀpana B, ʻĀpana C, ʻĀpana D, a me Medigap. Hāʻawi kēia mau koho i nā koho he nui e kū i kāu pono olakino.
• ʻOiai ʻo Medicare e uhi i nā lawelawe mālama ola e like me ka haukapila, kipa kauka, a me nā lāʻau i kuhikuhi ʻia, aia kekahi mau lawelawe lapaʻau ʻaʻole ia.
• ʻAʻole uhi ka Medicare i ka mālama wā lōʻihi, nā kaʻina cosmetic, a me nā mea ʻē aʻe. Hiki iā ʻoe ke nīnau i ka mea hana pale Medicare a i ʻole kāhea iā 800-MEDICARE e ʻike inā uhi ʻia kahi lawelawe kikoʻī.

E heluhelu i kēia ʻatikala ma ka Paniolo