Nā Hoʻolālā Pono Medicare: Na wai e hāʻawi iā lākou a pehea e kākau inoa ai
Anter
- He aha ka Medicare Advantage (Medicare Part C)?
- ʻO wai e kūʻai aku i nā hoʻolālā Medicare Advantage?
- Ehia nā kumukūʻai Medicare Advantage?
- Nā ʻōlelo aʻoaʻo no ke koho ʻana i kahi hoʻolālā Medicare Advantage
- ʻO wai ka mea i kūpono no ka Medicare Advantage Plans?
- Nā lā palena pau o ke kākau ʻana ʻo Medicare
- ʻO ka lawe lawe ʻana
ʻO Medicare Advantage kahi koho Medicare koho ʻē aʻe e pili pū ana me ka uhi ʻana no nā lāʻau i kuhikuhi ʻia, nā niho, nā ʻike, nā lohe, a me nā perks olakino ʻē aʻe.
Inā ʻoe i kākau inoa hou i Medicare, e noʻonoʻo paha ʻoe i ka mea nāna e kūʻai aku i nā hoʻolālā Medicare Advantage i kou wahi. Hāʻawi ʻia ʻo Medicare Advantage e nā ʻoihana inikua pilikino i ʻaelike me Medicare e uhi i kāu lawelawe olakino.
Ma kēia ʻatikala, e nānā mākou i nā mea e pono ai ʻoe e ʻike e pili ana i ka Medicare Advantage, pehea e kākau inoa ai, a me nā mea e manaʻo ai mai nā ʻoihana e hāʻawi nei i kēia mau hoʻolālā.
He aha ka Medicare Advantage (Medicare Part C)?
ʻO Medicare Advantage, i ʻike ʻia ʻo Medicare Part C, ʻo Medicare ka uhi ʻana a nā hui ʻinikua pilikino e kūʻai aku ai. Ma waho aʻe o ka uhi ʻana i ka Medicare Part A a me ka ʻĀpana B, ʻo ka hapa nui o Medicare Advantage hoʻolālā kekahi e uhi i nā lāʻau i kuhikuhi ʻia, a me nā lawelawe niho, ʻike, a me nā hoʻolohe ʻana.
Hoʻolālā kekahi o Medicare Part C i ka uhi olakino e like me nā lālā hoʻoikaika kino a me kekahi mau lawelawe olakino home.
ʻO ka hapa nui o nā hoʻolālā Medicare Advantage e uhi i nā lawelawe aʻe:
- mālama hale maʻi maʻi
- nā lawelawe lapaʻau
- lāʻau lapaʻau
- mālama niho, ʻike maka, a me ka mālama pepeiao
- nā kōkua hou olakino
Hiki i nā hoʻolālā Medicare Advantage ke koho maikaʻi no nā poʻe e makemake ana i kahi uhi hou aʻe ma mua o nā ʻāpana Medicare A a me B a hoʻopili pū ʻia ma lalo o hoʻokahi hoʻolālā.ʻO Medicare Māhele C kekahi koho nui no ka poʻe makemake e koho mai nā ʻano hoʻolālā ʻokoʻa, e like me nā HMO, nā PPO, a me nā mea hou aku.
ʻO ka mea hope loa, ua ʻōlelo ʻia e hiki i ka Medicare Advantage ke mālama iā ʻoe i ke kālā ke hoʻohālikelike ʻia i ka Medicare mua ke pili i nā kumukūʻai lako mālama ola.
ʻO wai e kūʻai aku i nā hoʻolālā Medicare Advantage?
Kūʻai ʻia nā hoʻolālā Medicare Advantage e nā ʻoihana ʻinikua pilikino nui nui, e like me:
- ʻO Aetna Medicare
- Pale Paʻa polū polū
- ʻO Cigna
- Humana
- Kaiser Permanente
- KohoKalolo
- ʻO UnitedHealthcare
Hoʻololi nā makana Medicare Part C mai ka mokuʻāina a i ka mokuʻāina, a he kuleana ko kēlā me kēia ʻoihana ʻinikua e koho inā e kūʻai aku lākou i nā hoʻolālā Medicare Advantage mai kēlā makahiki a kēia makahiki.
ʻO kahi laʻana, hāʻawi paha kekahi mau ʻoihana i nā hoʻolālā i kekahi mau mokuʻāina i koho ʻia ʻaʻole naʻe ma kekahi. ʻO ia hoʻi inā inā kau inoa kāu hoaaloha no kahi hoʻolālā Medicare Advantage i ko lākou wahi, ʻaʻole hiki ke hāʻawi ʻia i kēlā hoʻolālā like ma kahi āu e noho nei.
Inā ke loaʻa nei iā ʻoe nā lawelawe mai kahi mea lawelawe inikua nui ma o kāu luna hana, hiki iā ʻoe ke kikoo aku a nīnau inā kūʻai aku lākou i nā hoʻolālā Medicare Advantage.
ʻO kahi ala ʻē aʻe e loiloi ai i kāu mōhai hoʻolālā āpau e hoʻohana i ka mea hana ʻimi hoʻolālā i hāʻawi ʻia e Medicare. Hāʻawi kēia mea hana iā ʻoe e ʻimi a hoʻohālikelike i nā hoʻolālā Medicare Advantage i kou kūlanakauhale, mokuʻāina, a i ʻole ZIP code.
Ehia nā kumukūʻai Medicare Advantage?
Hoʻolālā nā hoʻolālā Medicare Advantage i nā kumukūʻai Medicare ʻelua, a me nā kumukūʻai kikoʻī. ʻAʻohe kumu kūʻai hoʻokahi no ke kau inoa ʻana i kahi hoʻolālā Medicare Advantage no ka mea he nui nā kumu i hiki ke hoʻololi i kāu mea e uku ai.
Hoʻopili ʻia kēia mau kumukūʻai āpau e ka mokuʻāina kahi āu e noho ai, ke kumukūʻai o kou ola ʻana, kāu loaʻa kālā, kahi e hele ai ʻoe no nā lawelawe olakino, i nā manawa hea ʻoe e makemake ai i nā lawelawe, a inā loaʻa iā ʻoe kekahi ʻano kōkua kālā.
Eia kahi haki o nā mea āu e manaʻo ai e uku i ka 2021 ke kau inoa ʻoe i kahi hoʻolālā Medicare Advantage:
- Nā Premiums. Inā ʻaʻole ʻoe e koho ʻia no ka ʻApana A manuahi ʻole, hiki ke uku ʻia kāu ʻāpana A i $ 471 i kēlā me kēia mahina. ʻO ka ʻohana B uku nui $ 148.50 i kēlā me kēia mahina a ʻoi paha, ke kaukaʻi ʻia i kāu loaʻa kālā. E uhi kekahi o nā hoʻolālā Medicare Advantage i kēia mau uku uku uku mahina. Eia hou, ʻoiai he uku manuahi kekahi mau papa Medicare Advantage, uku kekahi i kahi uku no kēlā me kēia mahina no ka hoʻolālā.
- Hoʻolālā. Loaʻa i ka ʻāpana A i kahi hōʻemi o $ 1,484 no kēlā me kēia wā pōmaikaʻi. Loaʻa i ka ʻāpana B i kahi hōʻemi o $ 203 i kēlā me kēia makahiki. Inā uhi kāu papahana Medicare Advantage i nā lāʻau i kuhikuhi ʻia, hiki iā ʻoe ke ʻaiʻē pū kekahi i kahi lāʻau hoʻōla lāʻau.
- Kūʻaiʻeʻe. E loaʻa i kēlā me kēia hoʻolālā Medicare Advantage kikoʻī helu kope no ka kipa ʻana i nā kauka mālama mua a me nā loea. Hiki i kēia mau huina ke ʻokoʻa i kāu papa hoʻolālā a inā e loaʻa ana iā ʻoe nā lawelawe mai ka mea lawelawe pūnaewele a i ʻole waho pūnaewele.
- Coinsurance. Hiki ke uku ʻia ka ʻāpana kālā A ma kahi o $ 0 a i ʻole $ 742 i kēlā me kēia lā, ke kaukaʻi ʻia i ka lōʻihi o kou noho ma ka haukapila. ʻO ka ʻāpana kālā B ka 20 kenetene o nā lawelawe olakino i ʻae ʻia e Medicare ma hope o ka hoʻoliʻiliʻi.
Nā ʻōlelo aʻoaʻo no ke koho ʻana i kahi hoʻolālā Medicare Advantage
Ke nānā nei ʻoe i ka hoʻolālā Medicare Advantage maikaʻi loa no kāu mau pono, e noʻonoʻo i kēia mau mea:
- ke ʻano o ka uhi e pono ai, hiki ke hoʻohuli i ke ʻano o ka hoʻolālā āu e koho ai a me ke ʻano o nā mōhai hoʻolālā e nānā ai
- ka nui o ka maʻalahi o ka mea lawelawe e pono ai, hiki iā ʻoe ke kōkua iā ʻoe e ʻike i ke ʻano o ka hoʻolālā papa Advantage e kākau inoa ai
- ka awelika o kēlā me kēia makahiki a me kēlā me kēia makahiki nā uku o waho o ka ʻeke i hiki iā ʻoe ke lawelawe, i hoʻopili ʻia me nā uku uku, nā deductibles, nā copayments, nā coinsurance, nā kumukūʻai lāʻau lāʻau, a me nā mea i waho o ka ʻeke.
- ehia mau manawa e pono ai ʻoe e mālama a me ke ʻano o ka mālama āu e koi ai, hiki ke kōkua iā ʻoe e kākau inoa i kahi hoʻolālā e kū ana i kāu pono kālā a me nā pono olakino
Ma hope o kou noʻonoʻo ʻana i nā kumu āpau e pili ana i kāu kūlana pilikino, hiki iā ʻoe ke hoʻohana i ka loaʻa ʻana o kahi pono hana Medicare e ʻike ai i ka hoʻolālā Medicare Advantage kikoʻī e lawelawe pono iā ʻoe.
ʻO wai ka mea i kūpono no ka Medicare Advantage Plans?
ʻO kēlā me kēia mea i kākau inoa ʻia i Medicare Part A a me ʻĀpana B hiki ke hoʻopaʻa inoa i ka Medicare Advantage.
I ka makahiki 2021, hiki i ka poʻe me ka maʻi hōʻino pae hope loa (ESRD) ke komo inoa i kahi ākea ākea o nā hoʻolālā Medicare Advantage ma muli o ke kānāwai i hoʻoholo ʻia e ka ʻAhaʻōlelo. Ma mua o kēia kānāwai, ʻaʻole ʻae ka hapanui o nā hoʻolālā iā ʻoe a i kaupalena ʻia iā ʻoe i kahi Chronic Condition SNP (C-SNP) inā loaʻa kahi hōʻike o ESRD iā ʻoe.
Nā lā palena pau o ke kākau ʻana ʻo Medicare
Ke mākaukau ʻoe e kākau inoa i kahi papahana Medicare Advantage, pono ʻoe e nānā pono i nā lā palena palena aʻe:
Ke ʻano o ke kākau inoa ʻana | Wā kākau inoa |
---|---|
kākau inoa mua | 3 mau mahina ma mua, ka mahina i loko, a me 3 mau mahina ma hope o kou huli ʻana i 65 mau makahiki |
lohi ke kākau inoa ʻana | Ianuali 1 – Mar. 31 i kēlā me kēia makahiki (inā ua hala ʻoe i kāu kākau inoa mua) |
Hoʻokomo inoa Medicare Advantage | Apr. 1 – Hun. 30 i kēlā me kēia makahiki (inā hoʻolohi ʻoe i kāu ʻāpana B kākau inoa) |
kākau inoa hamama | ʻOkakopa 15 – Kek. 7 i kēlā me kēia makahiki (inā makemake ʻoe e hoʻololi i kāu hoʻolālā) |
kākau inoa kūikawā | he manawa o 8 mau mahina no ka poʻe i kūpono ma muli o kahi hanana ola kūpono, e like me ka male, ka hemo, ka neʻe ʻana, a pēlā aku. |
ʻO ka lawe lawe ʻana
ʻO ka hapa nui o nā ʻoihana ʻinikua a puni ʻo ʻAmelike Hui Pū ʻIa e kūʻai aku nei i nā hoʻolālā Medicare Advantage. ʻAʻole hoʻohālikelike ʻia nā mōhai hoʻolālā Medicare Part C a ʻokoʻa i kēlā me kēia mokuʻāina a i waena o nā ʻoihana.
Ke kau inoa ʻoe i ka Medicare Advantage, hiki iā ʻoe ke manaʻo e uku i nā koina Medicare kumu a me nā kumukūʻai hoʻolālā Medicare Advantage.
Ma mua o kou kākau inoa ʻana i ka Medicare Part C, e nānā pono i kāu kūlana ponoʻī e koho i kahi koho maikaʻi loa no kāu pono kālā a me nā pono olakino lōʻihi.
Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 19, 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.