Nā lā palena pau Medicare: Āhea ʻoe e kau inoa ai no Medicare?

Anter

• Āhea wau e kūpono ai e kau inoa no Medicare?
• Kou makahiki
• Inā he kīnā kou
• Kou kupa
• Inā he kāne kāu
• Āhea ʻoe e kūpono ai i kēlā me kēia ʻāpana a i ʻole hoʻolālā i Medicare?
• Mahele Medicare A
• Mahele B Medicare
• ʻO Medicare Māhele C (Medicare Advantage)
• Mahele Medicare D
• Pākuʻi Medicare (Medigap)
• He aha nā lā palena palena no ke kākau inoa ʻana i nā ʻāpana Medicare a me nā hoʻolālā?
• Ke kau inoa mua ʻana o Medicare
• Hoʻokomo inoa Medigap
• Kakau inoa inoa hope
• ʻO Medicare Māhele D ke kākau inoa
• Kakau inoa kūikawā
• ʻO ka lawe lawe ʻana

ʻO ke kākau inoa ʻana ma Medicare ʻaʻole ia he mahele hana hoʻokahi a hoʻokahi. Ke lilo ʻoe i mea kūpono, aia kekahi mau kiko i hiki ai iā ʻoe ke kau inoa no kēlā me kēia ʻāpana o Medicare.

No ka hapanui o ka poʻe, ke kau inoa nei no Medicare i ka manawa o ke kau inoa mua ʻana he 7 mau mahina (IEP). Hoʻomaka ka IEP i 3 mau mahina ma mua o kou huli ʻana i 65 a hoʻomau no 3 mau mahina ma hope o kou lā hānau.

ʻOiai me kēia manawa i ka noʻonoʻo, hiki ke huikau ka loaʻa ʻana o Medicare, a uku ʻia paha ʻoe i nā hoʻopaʻi inā hewa ʻoe.

Ma kēia ʻatikala, e hāʻawi mākou i ka ʻike kikoʻī e pili ana i kou pono a me ka manawa no ke kau inoa ʻana no Medicare.

Āhea wau e kūpono ai e kau inoa no Medicare?

Inā ke loaʻa nei iā ʻoe nā pono mālama ola a aia ma lalo o ka makahiki 65, e kākau inoa ʻia ʻoe i nā ʻāpana Medicare A a me B ke lilo ʻoe i 65. Inā ʻaʻole ʻoe makemake e loaʻa iā Medicare Part B, hiki iā ʻoe ke hōʻole iā ia i kēlā manawa.

Inā ʻaʻole ʻoe e loaʻa i kēia manawa ka Social Security, pono ʻoe e kākau inoa nui i Medicare.

Ke ʻike ʻoe i nā hana a me nā hiki ʻole o ke kau inoa ʻana, maʻalahi ka hana maoli. He mea nui kēia mau mea aʻe e noʻonoʻo ai ke kau inoa ʻana i Medicare.

Kou makahiki

Hiki paha iā ʻoe ke hoʻokau i nā huila ma ke kau inoa ʻana no Medicare i kēlā me kēia manawa i nā manawa o 3 mau mahina ma mua o kou 65 makahiki. Hiki iā ʻoe ke kau inoa i loko o ka mahina e huli iā 65, a ma loko hoʻi o ka manawa 3-mahina ma hope o kēlā lā.

He mea nui e hoʻomaopopo inā inā hoʻopaneʻe ʻoe i kou kau inoa ʻana a hiki i nā mahina 3 hope loa o ka IEP, lohi paha ka hoʻomaka ʻana o kāu lāʻau lapaʻau.

Inā he kīnā kou

Inā ʻoe e loaʻa ana i nā pono kīnā ʻole Social Security a i ʻole nā ​​pono kīnā no ke kaʻa lita no 24 mau mahina ma hope, ua kūpono ʻoe e kākau inoa i Medicare i kēlā me kēia manawa, no ka nui o kou mau makahiki.

Inā loaʻa iā ʻoe ka amyotrophic lateral sclerosis (ALS) a i ʻole ka hopena hopena maʻi maʻi maʻi (ESRD), ua kūpono pū ʻoe no Medicare i kēlā me kēia manawa, kūʻokoʻa i kou mau makahiki.

Kou kupa

I mea e koho ʻia ai no Medicare, pono ʻoe i kamaʻāina U.S. a i ʻole kahi kamaʻāina paʻa mau o ʻAmelika Hui Pū ʻIa i noho kū kānāwai ma aneʻi no 5 mau makahiki ma hope.

Inā he kāne kāu

ʻAʻole like me nā hoʻolālā ʻinikua pilikino pilikino, ʻaʻole hiki ke uhi ʻia kāu wahine ma lalo o kāu papahana Medicare.

I mea e uhi ai kāu wahine, pono lākou e hoʻokō i nā koina ponoʻī Medicare, e like me ka makahiki. Ke hoʻokō ʻia kēlā mau koi, kūpono paha lākou i kekahi mau pono Medicare e pili ana i kāu mōʻaukala hana, ʻoiai inā ʻaʻole i holo.

Inā ʻoi aku ka liʻiliʻi o kāu wahine ma mua ou a e lilo ana ka ʻinikua olakino ke hele ʻoe i Medicare, hiki iā lākou ke kūʻai i ka ʻinikua olakino ma o ka lawelawe pilikino ʻana.

Inā ʻoe e hoʻokokoke nei i ka makahiki 65 akā makemake ʻoe e hoʻomau me ka ʻinikua olakino i loaʻa iā ʻoe i kēia manawa ma o ka hoʻolālā a kāu wahine, hana paha ʻoe pēlā, me ka ʻole o ka hoʻopaʻi.

Āhea ʻoe e kūpono ai i kēlā me kēia ʻāpana a i ʻole hoʻolālā i Medicare?

Mahele Medicare A

Ua kūpono ʻoe e kākau inoa no ka Medicare Part A i ka manawa o ke kau inoa mua.

E kākau inoa ʻia ʻoe ma ke 65 o ka makahiki no ka Medicare ʻĀpana A inā ke loaʻa nei iā ʻoe nā pōmaikaʻi kīnā ʻole Social Security a i ʻole nā ​​pono kīnā o ka papa kaʻaahi.

Mahele B Medicare

E like me Medicare Part A, ua kūpono ʻoe e kākau inoa no ka Medicare Part B i ka wā o kou kākau inoa mua ʻana.

E kākau inoa ʻia ʻoe ma ke 65 o ka makahiki no ka Medicare ʻĀpana B inā ke loaʻa nei iā ʻoe nā pōmaikaʻi kīnā ʻole Social Security a i ʻole nā ​​pono kīnā o ka papa hoʻomaha.

ʻO Medicare Māhele C (Medicare Advantage)

No ke kākau inoa ʻana ma Medicare Part C, pono ʻoe e koho mua no, a loaʻa, nā ʻāpana Medicare A a me B.

Hiki iā ʻoe ke kau inoa mua no ka Medicare Part C ma ke kau inoa mua ʻana a i ʻole nā ​​wā kau inoa hāmama, i mālama ʻia i loko o ka makahiki.

Hiki iā ʻoe ke kau inoa no ka Medicare Part C i nā wā kau inoa kūikawā, e like me ma hope o ka nalo ʻana o kahi hana i hāʻawi iā ʻoe i ka mālama olakino.

Hiki iā ʻoe ke kākau inoa i loko o kahi Medicare Advantage plan ʻaʻohe mea i kou mau makahiki, inā e loaʻa ana iā ʻoe nā pōmaikaʻi Medicare ma muli o ke kīnā, a inā he ESRD kāu.

Mahele Medicare D

Hiki iā ʻoe ke kākau inoa i kahi papa lāʻau lāʻau kuhikuhi Medicare Part D ke kiʻi mua ʻoe iā Medicare i ka wā o ke kau inoa mua ʻana. Inā ʻaʻole ʻoe e kau inoa no ka Medicare Part D ma loko o 63 mau lā o kāu IEP, loaʻa paha iā ʻoe ka hoʻopaʻi no ke kākau inoa lohi. E hoʻonui ʻia kēia hoʻopaʻi i kāu uku mahina i kēlā me kēia mahina.

ʻAʻole pono ʻoe e uku i ka hoʻopaʻi no ke kākau inoa inā loaʻa iā ʻoe kahi lāʻau hoʻomake lāʻau lapaʻau ma o kahi hoʻolālā Medicare Advantage a i ʻole ma o kahi ʻinikua pilikino.

Inā ʻaʻole ʻoe makemake i kāu hoʻolālā lāʻau hoʻomohala o kēia manawa, hiki iā ʻoe ke hana i nā hoʻololi i ka Medicare Part D i ka wā o ke kākau inoa hāmama ʻana, i ʻelua mau manawa o ka makahiki.

Pākuʻi Medicare (Medigap)

Hoʻomaka ʻia kahi manawa kau inoa mua no ka ʻinikua kōkua Medigap e ka hoʻomaka ʻana o ka mahina ma kahi o 65 a piha kāu mau makahiki a kau inoa no ka ʻāpana B. ʻO ke kākau inoa mua no Medigap no 6 mau mahina mai ia lā.

Ma ke kau inoa mua ʻana, hiki iā ʻoe ke kūʻai i kahi hoʻolālā Medigap i kou mokuʻāina no ke kumukūʻai like me ka poʻe i loaʻa ke olakino maikaʻi, ʻoiai inā he maʻi olakino kou.

Hoʻohana nā mea lawelawe Medigap i ka palapala kākau lāʻau e hoʻoholo ai i nā uku a me nā pono. Hoʻololi kēia mau mea mai ka hoʻolālā i ka hoʻolālā a mai ka mokuʻāina a i ka mokuʻāina. Ke pau ka manawa kau inoa mua, hiki paha iā ʻoe ke kūʻai i kahi hoʻolālā Medigap, ʻoiai ʻoi aku ke kiʻekiʻe o kāu helu. ʻAʻohe mea hōʻoia e kūʻai aku ka mea hāʻawi Medigap iā ʻoe i kahi hoʻolālā ma waho o nā manawa kau inoa mua.

He aha nā lā palena palena no ke kākau inoa ʻana i nā ʻāpana Medicare a me nā hoʻolālā?

Ke kau inoa mua ʻana o Medicare

ʻO Medicare ke kākau inoa mua ʻana he manawa 7 mau mahina e hoʻomaka ana i 3 mau mahina ma mua o kou piha makahiki 65, e komo pū me kou malama lā hānau, a hoʻopau i 3 mau mahina ma hope o kou lā hānau.

Hoʻokomo inoa Medigap

ʻO ka lā palena palena no ke kūʻai ʻana i ka inikua kōkua Medigap ma nā helu maʻamau he 6 mau mahina ma hope o ka lā mua o ka mahina e huli ana ʻoe i ka makahiki 65 a / a kau inoa paha no ka ʻĀpana B.

Kakau inoa inoa hope

Inā ʻaʻole ʻoe i kau inoa no Medicare ke koho ʻia ʻoe i mua, hiki iā ʻoe ke kākau inoa i nā ʻāpana Medicare A a me B a i ʻole i kahi Medicare Advantage plan i loko o kahi wā kākau inoa maʻamau, ʻoiai e hoʻohui ʻia nā hoʻopaʻi i ke kumukūʻai o kāu mahina. premiums.

Hana ʻia ka inoa inoa nui i kēlā me kēia makahiki mai Ianuali 1 a Malaki 31.

ʻO Medicare Māhele D ke kākau inoa

Inā ʻaʻole ʻoe i kau inoa no ka Medicare Part D i kou manawa i koho mua ʻia ai, hiki iā ʻoe ke kau inoa i ka wā o ka hoʻopaʻa inoa makahiki ʻana, e mālama ʻia ana mai ʻOkakopa 15 a Kekemapa 7 i kēlā me kēia makahiki.

Hiki ke kūʻai ʻia nā hoʻolālā Medicare Advantage e hoʻopili ana i ka uhi lāʻau lāʻau kuhikuhi i kēlā me kēia makahiki Medicare Advantage wehe manawa kākau inoa e mālama ʻia mai Ianuali 1 a Malaki 31.

Kakau inoa kūikawā

Ma lalo o kekahi mau kūlana, hiki paha iā ʻoe ke noi lohi no Medicare, i loko o kahi manawa i ʻike ʻia ʻo ka wā kau inoa kūikawā.

Hiki ke hāʻawi ʻia i nā manawa kau inoa kūikawā inā ʻoe i kali no ke kau inoa ʻana no Medicare kumu no ka mea ua hana ʻia ʻoe e kahi ʻoihana i ʻoi aku ma mua o 20 mau limahana ke piha iā ʻoe i ka makahiki 65 a loaʻa ka ʻinikua olakino i hoʻolako ʻia nāu ma o kāu hana, uniona, a wahine paha.

Inā pēlā, hiki iā ʻoe ke noi no nā ʻāpana Medicare A a me B ma waena o 8 mau mahina ma hope o ka pau ʻana o kāu uhi, a i ʻole no nā ʻāpana Medicare C a me D i loko o 63 mau lā ma hope o ka pau ʻana o kāu uhi.

Hiki ke hoʻololi i nā hoʻolālā ʻĀpana D i nā wā kau inoa kūikawā inā:

• ua neʻe ʻoe i kahi i lawelawe ʻole ʻia e kāu hoʻolālā o kēia manawa
• ua loli kāu hoʻolālā o kēia manawa a ʻaʻole uhi hou i kāu wahi ʻāina
• ua neʻe ʻoe i loko a i waho o kahi home kahu

ʻO ka lawe lawe ʻana

Kūpono ka pono no Medicare e hoʻomaka ana i 3 mau mahina ma mua o ka mahina e huli ʻoe i ka makahiki 65. ʻO kēia manawa kau inoa mua no 7 mau mahina.

Aia kekahi mau hanana kūikawā a me nā manawa kau inoa ʻē aʻe i hāʻawi ʻia nāu, a ma ia manawa e loaʻa ai iā ʻoe ka uhi, inā ʻaʻole ʻoe e kākau inoa mua.

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.

E heluhelu i kēia ʻatikala ma ka Paniolo