ʻO ka Māhele BʻAʻole Ko Free, aʻAʻoleʻIke i nā mea a pau
ʻO kahi mahele o Medicare , Part A, he noa no ka poʻeʻAmelika nui i hana ma ka US a no laila ua ukuʻia nāʻauhauʻauhau no nā makahiki he nui.
Māheleʻia ka Māhele A he "inikua halemaikaʻi." Inā kūʻoe i ka Social Security, e kūponoʻoe no ka Part A.
Mahele B, i kapaʻia he 'inikua laikini,ʻaʻole kūʻokoʻa. Kuhiʻoe i ka uku o kēlā me kēia mahina no Medicare Part B. ʻO ka Māhele Bʻo ia ka mahele o Medicare e pili pū me nā mea āu e manaʻo ai he loina olakino loea. E nānā i ka mea e uhi aiʻo Medicare Part B.
ʻO ka mea Medicare Part B mau lou
E nānā i ka puke Medicare a me kāu puke a e loaʻa iāʻoe he 25 mauʻaoʻao e wehewehe ana i nā lawelawe i mālamaʻia ma lalo o Medicare Part B. He nui nā lawelawe i uhiʻia i lalo i ka unuhi a me ka uku uku.
Ma keʻano laulā, mālamaʻo Medicare Part B i nā lawelawe pono'ī a me nā lako e pono ai no ka hōʻailona a mālamaʻana i kahi olakino. Mālamaʻo Medicare Mahele B i kekahiʻano o ka mālama pale. E hoʻomaka kākou ma ka nānāʻana i kekahi o nā lawelawe hana pale.
Nā lawelawe hana hoʻomalu
ʻAʻoleʻoe e uku hou no nā lawelawe palekana.
Ma lalo iho nei kahi hōʻailona o nā lawelawe palekana i mālamaʻia e Medicare Part B.ʻO nā lawelawe'ē aʻeʻaʻole i heluʻia maanei e hiki nō hoʻi ke loaʻa.
ʻO kekahi o nā lawelawe palekana ua uhiʻia:ʻo ka nānā ponoʻana i ka pōkole, nā ana o ka iwi, nā hoʻopiʻi maʻi maʻi ma ke kīhaʻi, mammograms, ke nānāʻana i ke kanulau (e like me keʻano o ka maʻi, ka pale, ka prostate, etc.) nā hōʻikeʻana i ka maʻi diabetes, depression depression, diabetes screenings, shots, glaucoma nā hōʻoia (inā manaʻoʻoe he nui ka maʻi no kēia maʻi), ka pneumococcal kī, a me ka huakaʻi "maikaʻi" makahiki.
Nā Hana Hana Pono
Aia kekahi mau'amu aʻe i uhiʻia e ka Māhele B me ka hoʻohui i nā lawelawe hana. No nā mea he nui o kēia mau mea, hiki ke unuhiʻia ka mea hikiʻole ke unuhi, a hiki iāʻoe ke uku i 20 pakeneka o ka uku kūʻai Medicare. No kēia kumu, he nui nā kānaka i loaʻa he kulekele Medicare Supplement, i kekahi manawa i kapaʻia he kulekele Medigap, e kōkua i ka uhiʻana i nā "gaps" i ka hoʻopiliʻana.
Eia kekahi mauʻokoʻa'ē aʻe i uhiʻia e ka Māhele B i hiki ke hoʻomaluʻia i ka lawelaweʻana i ka lawelaweʻana i nā lawelawe kaʻahua kaʻawale, ka hoʻoponoponoʻana i ka maʻi, kekahi hapa o ka chemotherapy, ka mea hana i ke diafirah, nā mea maʻi diabetes, nā lako olakino lōʻihi (e like me nā mea hana oxygen, ), kekahiʻano o ka lawelawe olakino home e pono ai, ka maʻi diakena a me nā lako, ka lāʻau kino, nā manaʻoʻelua, nā ho'āʻo e like me MRI, CT scans, EKG / ECG, a me ka hoʻokolokolo CPAP (noʻekolu mau mahina) ināʻoe ʻikeʻia me ka palekana o ka moeʻana.
Nānā: hiki ke uhiʻia kekahi mau lawelawe'ē aʻeʻaʻole i heluʻia.
Hana Hana
ʻO ka Medicare Mahele B he mea nui e pili ana i nā lawelaweʻoihana e like me nā ho'āʻoʻana i ke koko, ka lāʻau a me nā ho'āʻo ma nā mea kiko. I ka manawa maʻamau,ʻaʻoleʻoe e uku hou no kēia lawelaweʻoihana.
ʻO ka meaʻaʻole i uhiʻia e Medicare Part B
ʻO ka nui o nā mālamaʻana o nā niho, me nā dentures,ʻaʻole i uhiʻia ma lalo o kekahi mahele o Medicare.
ʻO nā nānāʻana o nā maka e pili ana i nā aniani e hōʻike ana (me ka piliʻana i kekahi maʻi a iʻole ka hopena), ke kāwiliʻana, ka hanaʻana i nā mea lohe, nā manaʻo lohe, nā hoʻonaʻauao kūpono e pili ana i nā mea lohe, a me nā lawelawe komoʻole e Medicare Part B a ma kekahiʻano'ē aʻe paha o Medicare.
Eia kekahi, nuiʻole ka poʻe iʻikeʻoleʻo Medicare e uhi i ka mālama lōʻihi. ʻO ka mālama mālama lōʻihiʻaʻoleʻoihana mālama ola e pili ana i nā hanaʻeono o ke ola o kēlā me kēia lā . Eia kekahi laʻana, he nui nā kānaka e pono ke kōkua ma hope ma ke ola me nā hana e like me ka holoiʻana, ka pāpale, ka hoʻomākaukauʻana i nā meaʻai, a me ka hoʻohanaʻana i ka lumi hoʻomaha. ʻAʻole mālamaʻia kēiaʻano mālama ma lalo o Medicare.
ʻO ka Medicare Part A ka mea e mālama i kekahi mahele no ka mālamaʻana i ka home mālama hānai, akā wale nō ma hope o ka lā 3 mau lā no ka nohoʻana o ka haukapila. He nui nā poʻe e pono eʻike i ka mālamaʻana i ka home hānai no ka nele i ke kīnā a iʻole ka maʻi, akā,ʻaʻole e kūpono i ka palena no ka nohoʻana o ka hale maʻi.
ʻO kēia keʻano hikiʻole iāʻoe ke helu ma Medicare Part A a me ka Māhele B no ka uhiʻana i nā home hānai a iʻole nā hoʻolālā mālama mālama lōʻihi.
Eia naʻe, inā lawa iki kāu kālā a me nā waiwai, hiki iāʻoe ke kūpono no Medicaid. Inā hikiʻoe i Medicaid a me kou home hānai aiʻole mālama mālama lōʻihi paha he lāʻau lapaʻau pono ia, ināʻaʻoleʻo Medicaid (ʻaʻole Medicare) e uhi i ke kumukūʻai.