ʻEhia ka nui o nā mahina mahina?
ʻO ka maʻi Medicare i loko oʻekolu mau māhele - Part A, Māhele B, a me ka Māhele D. Mahele A he mea kūʻokoʻa a loaʻa nā hale maʻi, hospice, home nursing, a me ka mālama olakino home. Māhele B ma ka hapa nui o nā kānaka he $ 134 ma ka mahina aʻo nā mākaʻi hele i ke kauka a me nāʻano lapaʻau lawelawe e loaʻa iāʻoe ma ia mau kipa. Māhele D e pili ana i ke kaupona palapala lāʻau.
Mai kali i ka lōʻihi
ʻO ka likeʻole o nāʻaoʻao A a me B, Māhele D nā kauā lāʻau lāʻau hōʻailona e loaʻa mai ana mai nā hui ukupuna pilikino.
Hoʻoliloʻo Medicare i kekahi hapa o nā koina. E like me nā'āpana A a me B, ināʻaʻoleʻoe e kākau inoa no ke kāpili lāʻau lapaʻau inā loaʻa mua iāʻoe, hiki paha iāʻoe ke uku i ka hoʻopaʻi hoʻopaʻa inoa hope ke hoʻohanaʻia kekahi o nā kumuʻelua:
- Ke hana nei pahaʻoe a iʻole ia e loaʻa ana ka lāʻau kau lāʻau lāʻau hōʻailona mai kekahi kumu'ē aʻe.
- Loaʻa iāʻoe kahi kōkua hou mai Medicare. ʻO ke kōkua hou e kōkua i ka poʻe'ai'ē haʻahaʻa e uku i nā kumukūʻai o kā lākou mau lāʻau lapaʻau.
ʻElua Alakaʻi i kaʻOihana Medicare Drug Coverage
Loaʻa ka māhele Medicare Part D i nā ala likeʻoleʻelua.
ʻO ka mea mua, hiki iāʻoe ke hoʻohui i ka Māhele D i kāu mahele Medicare A me B. Medicare he meaʻike i ka hopena e kōkua iāʻoe e koho i ke kāpili e kūlike i kāu mau pahuhopu a me kāu kālā. Hiki iāʻoe keʻimi ma ka zip zip, e hoʻokomo i nā lāʻauʻaʻai i kākauʻia a me kāu lāʻau lapaʻau e pili ana me kekahi mauʻike'ē aʻe a na ka mea noiʻi e hāʻawi iāʻoe i nā'āpana D a me nā kumukūʻai.
ʻO ka lua, hiki iāʻoe ke loaʻa kahi māhele D ma o ka Medicare Benefit (Part C) aiʻole kekahi mahele ola olakino Medicare e hāʻawi ana i ka lāʻau hōʻailona palapala ma keʻano he mahele o ka papahana.
ʻOiai kaʻoi aku o ka pāhele C ma mua o ka pilikino Medicare, me kaʻole o ka waihona a iʻole nā mea'ē aʻe e like me ka inikua Medigap, loaʻa i nā Medicare nui nā laikini e hiki ai ke waiho iāʻoe me nā pili kālā e hikiʻole iāʻoe ke uku.
Ua koho ka hapanui o nā kānaka e kākau inoa ma ka Māhele C i mea e pale aku ai i kēia mau lilo hoʻolimalima.
Māhele Medicare Part D
Inā kohoʻoe no ka loaʻaʻana o ka Māhele D ma keʻano he māhele o ka Medicare mua, e ukuʻoe i kāu'āpana o ka uku makahiki. Ua like kēia ma muli o ke kumumanaʻo āu e koho ai, akā, he $ 34 no ka makahiki āpau o ke aupuni no 2018.
E like me ka Māhele B a me nā mahele hoʻolālā'ē aʻe, hiki i nā kumumanaʻo ke hele mai me ka mea hikiʻole ke unuhiʻia - ka nui āu e uku ai ma mua o ka hoʻomakaʻana o ka hoʻolimalima e uku i kekahi'āpana. ʻO ka hōʻailona kiʻekiʻe loa o ka makahiki i hāʻawiʻia e Medicare i 2018, he $ 405. He nui nā manaʻo e hele mai me kahi hōʻemi liʻiliʻi loa aʻaʻole kekahi i kahi.
E loaʻa ana i kēlā me kēia kumumanaʻo kahi nui a me ka uku ukiuki . ʻO kahi kope i hoʻonohonohoʻia he mea paʻa e uku aiʻoe no kāu mau'ōlelo. ʻO ka copayment ma nā lāʻau lapaʻau he $ 5 i ka hoʻohanaʻiaʻana o nā lāʻau kau inoa inoa ma kekahi mauʻaoʻao i kahi $ 25. Hiki i nā luna kiʻekiʻe ke noi i kahi kopeʻoi aku.
Hiki iāʻoe ke uku i ka nui o ke kumu kūʻai no nā lāʻau lapaʻau ma luna kiʻekiʻe. Inā loaʻa ke kālā $ 400, hiki iāʻoe ke uku i ka hapalua o ka hapanui o ka helu i kāu'āpana o ka $ Bill.
ʻO kekahi mau lāʻau lapaʻau e hiki ke koi i ke kāpili a me ka coinsurance.
E mālama: No ka mea, lawelaweʻia ka Māhele D e nā hui kūʻai kūikawā, hiki i kēlā me kēia ke waiho i kekahi lāʻau lapaʻau ma nā wahi'ē aʻe.
Hiki iāʻoe ke uku aku i kahiʻoihana kiʻekiʻe o nā lilo o ka pocket no ka lāʻau like i nā manaʻo likeʻole.
ʻO kaʻOihana Kūʻai
I ka manawa āu i hoʻolimalima ai i $ 3,750 ma nā lāʻau lapaʻau i uhiʻia e komo i loko o ke āpau o ke keʻena a iʻole e hoʻopaʻa i ka paʻa e like me kaʻikeʻana o kekahi poʻe. ʻO ka lāpili hapa ka palena palena no ka hopena o ke kumumanaʻo no ka lāʻau. Inā loaʻa iāʻoe kahi kōkua hou mai ka Medicareʻaʻoleʻoe e komo i ke āpau o nā kikowaena akāʻo ka hapa nui o nā hoʻolālā kālāʻaʻole e uhi i ke āpau.
I ka 2018, e uku waleʻo Medicare i 35% o ke kumukūʻai o nā lāʻau lapaʻau a me 56 pakeneka o nā lāʻau lapaʻau i ka wā e noho anaʻoe i ke āpau. ʻO kāu kālā no loko o kahi pocket ka mea e hoʻoneʻe ai iāʻoe i waho o ke kapi o ke kiko a me ka hapa nui o nā mea āu e uku ai i ka wā e helu ai ke āpau. Ua kau inoa kekahi poʻe kauka lāʻau i kaʻaelike me Medicare e hāʻawi aku i nā uku ma nā hua'ōlelo inoa inoa i nā poʻe i loko o kaʻaha keʻena.
Pehea e kūʻai ai no ka Coverage
I kekahi manawa maikaʻi ke kūʻai aku heʻoi aku ka maikaʻi akā ma ka hihia o Medicare Part D,ʻaʻole paha. ʻO ka mea nui loa e nānāʻia,ʻo ia ke kiko o ke kumukūʻai no nā lāʻau lapaʻau āu e lawe nei. Ināʻaʻole i kapi i kāu mau lāʻauʻawaʻawa kumukūʻai kālā,ʻaʻole e hoʻonuiʻia kāu kālā ma mua o ka ukuʻana i ke kālā āu i mālama ai i nā uku. E nānā i nā pono a hoʻohālikelike i ka mea e uku aiʻoe mai loko mai o ka poke. E nānā pū i nā koina ma mua, i ka wā, a ma hope o ka pūpū kiko. I ka manawa e helu aiʻoe i ka nui o kāu uku e uku ai iā mākou.ʻo ka mea e uku ai ke kumumanaʻo, a laila e nānā i ka uku. I kekahi manawa, e emi ana ka haʻawinaʻoi aʻe i ka mea emiʻole no ka mea, ua emi iho kāu nele i loko o ka waihona.