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Nā Kumu Ola Ola

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Nā Kumu Ola Ola

Kōkua ka ʻinikua olakino e uku i nā koina inā pono ʻoe i ka mālama

ʻAʻohe mea i manaʻo e maʻi a ʻeha paha, akā hiki ke hoʻololi i kou olakino i ka maka o ka maka. Pono ka hapa nui o nā kānaka i ka mālama olakino i kekahi manawa. Kōkua ka ʻinikua olakino e uku no kēia mau koina a pale iā ʻoe mai nā lilo kiʻekiʻe loa.

HEAHA KA INSURANCE OLA

ʻO ka ʻinikua olakino he ʻaelike ma waena o ʻoe a me kahi hui ʻinikua. Kūʻai ʻoe i kahi hoʻolālā, a ʻae ka hui e uku i kahi hapa o kāu mau koina lapaʻau ke loaʻa ʻoe i ka maʻi a ʻeha paha.
ʻO nā hoʻolālā āpau i hāʻawi ʻia ma ka Marketplace e uhi i kēia mau pono olakino koʻikoʻi 10:

ʻO ka ʻinikua olakino he ʻaelike ma waena o ʻoe a me kahi hui ʻinikua. Ke kūʻai ʻoe i kahi hoʻolālā, ʻae ka hui e uku i kahi hapa o kāu mau koina olakino ke loaʻa ʻoe i ka maʻi a ʻeha paha.

MALAMA PALAPALA NOA

Pono ka hapa nui o nā hoʻolālā olakino e uhi i kahi pūʻulu o nā lawelawe pale, e like me nā kiʻi kiʻi a me nā hoʻāʻo ʻana, me ka uku ʻole iā ʻoe. He ʻoiaʻiʻo kēia inā ʻaʻole ʻoe i hālāwai me kāu deductible makahiki. ʻO nā lawelawe pale e pale a ʻike paha i ka maʻi i ka wā mua ke ʻoi aku ka maikaʻi o ka mālama ʻana. He manuahi kēia mau lawelawe ke loaʻa iā ʻoe mai ke kauka a mea hoʻolako ʻē aʻe paha ma ka pūnaewele o kāu hoʻolālā.

Eia kekahi mau lawelawe maʻamau no nā mākua a pau:

  • Nā hōʻike koko
  • Ka nānā ʻana i ka cholesterol: kekahi mau makahiki + ka poʻe i pilikia nui
  • Nā hōʻike ʻana i ke kaumaha
  • Immunizations
  • ʻO ka nānā ʻana i ka momona a me ka ʻōlelo aʻoaʻo

E kipa mai Healthcare.gov/coverage/preventive-care-benefits/ no ka papa inoa piha o nā lawelawe pale no nā mākua a pau, wahine, a me nā keiki.

KOKUA IA OE UKU NO KA MALAMA

Ua ʻike anei ʻoe he $30,000 ke kumukūʻai maʻamau o kahi noho haukapila ʻekolu lā? A i ʻole ke kūʻai ʻana i ka wāwae haki i $7,500? Hiki i ka loaʻa ʻana o ka ʻinikua olakino ke kōkua i ka pale ʻana iā ʻoe mai nā kumukūʻai kiʻekiʻe a i manaʻo ʻole ʻia e like me kēia.
ʻO kāu kulekele ʻinikua a i ʻole ka hōʻuluʻulu o nā pōmaikaʻi a me ka uhi e hōʻike iā ʻoe i ke ʻano o ka mālama, nā lapaʻau, a me nā lawelawe i uhi ʻia e kāu hoʻolālā, me ka nui o ka ʻoihana ʻinikua e uku no nā ʻano lapaʻau like ʻole i nā kūlana like ʻole.

  • Hiki i nā kulekele ʻinikua olakino like ʻole ke hāʻawi i nā pono like ʻole.
  • Pono paha ʻoe e uku i kahi unuhi i kēlā me kēia makahiki hoʻolālā ma mua o ka hoʻomaka ʻana o kāu ʻinikua e uku no kāu mālama.
  • Pono paha ʻoe e uku coinsurance a i ʻole copayment ke loaʻa ʻoe i ka mālama olakino.
  • Hoʻopaʻa ʻia nā hoʻolālā ʻinikua olakino me nā pūnaewele o nā haukapila, nā kauka, nā lāʻau lapaʻau, a me nā mea mālama ola.

KA KAU UKU 

E uku maʻamau ʻoe i kēlā me kēia mahina no ka uhi olakino, a pono paha ʻoe e hālāwai me kahi unuhi i kēlā me kēia makahiki. ʻO ka deductible ka nui āu e aie ai no nā lawelawe mālama ola kino ma mua o ka hoʻomaka ʻana o kāu ʻinikua olakino a i ʻole hoʻolālā e uku. ʻAʻole pili ka unuhi i nā lawelawe a pau.

ʻEhia ka nui o kāu uku no kāu uku a me ka unuhi ʻia e pili ana i ke ʻano o ka uhi i loaʻa iā ʻoe. ʻAʻole hiki ke uhi ʻia ke kulekele me ka uku haʻahaʻa loa i nā lawelawe a me nā lāʻau lapaʻau.
E like me ka mea nui e like me ke kumukūʻai premium a me ka hiki ke unuhi ʻia ka nui āu e uku ai ke loaʻa ʻoe i nā lawelawe.

Eia nāʻano:

  • He aha kāu e uku ai ma waho o ka ʻeke no nā lawelawe ma hope o kou uku ʻana i ka mea hiki ke unuhi ʻia (ka hoʻokaʻawale ʻana a i ʻole copayments)
  • ʻEhia ka nui o kāu e uku inā loaʻa ʻoe i ka maʻi (ka palena kiʻekiʻe o waho o ka ʻeke)

E MAKAUKAU E KAKAU

ELIMA MEA E hiki ai ia oe ke hoomakaukau no ke kakau inoa

  1. E hālāwai me kāu mea hoʻokele kūloko Ai'ole e hele healthcare.gov. E aʻo hou aʻe e pili ana i ka Health Insurance Marketplace, a me nā papahana ʻē aʻe e like me Medicaid, a me ka Children's Health Insurance Program (CHIP).
  2. E nīnau i kāu mea hana inā hāʻawi ia i ka ʻinikua olakino. Inā ʻaʻole hāʻawi kāu mea hana i ka ʻinikua olakino, hiki iā ʻoe ke loaʻa ka uhi ma o ka Marketplace a i ʻole nā ​​kumu ʻē aʻe.
  3. E hana i ka papa inoa o nā nīnau ma mua o ka manawa e koho ai i kāu hoʻolālā olakino. No ka laʻana, "Hiki iaʻu ke noho me kaʻu kauka i kēia manawa?" a i ʻole "E uhi anei kēia hoʻolālā i kaʻu mau koina olakino ke hele au?"
  4. E hōʻiliʻili i ka ʻike kumu e pili ana i ka loaʻa kālā o kāu ʻohana. Pono ʻoe i ka ʻike loaʻa kālā mai kāu W-2, uku uku, a i ʻole hoʻihoʻi ʻauhau.
  5. E hoʻonohonoho i kāu kālā. Aia nā ʻano hoʻolālā olakino e hoʻokō i nā pono like ʻole a me nā kālā. Pono ʻoe e noʻonoʻo i ka nui āu e hiki ai ke hoʻolilo i nā uku i kēlā me kēia mahina, a me ka nui āu e makemake ai e uku i waho o ka ʻeke no nā ʻōlelo kuhikuhi a i ʻole nā ​​​​lawelawe lapaʻau.

1. E MUA I KO OLA

  • He mea nui ka noho olakino no ʻoe a me kou ʻohana.
  • E mālama i ke ola olakino ma ka home, ma ka hana, a ma ke kaiāulu.
    E kiʻi i kāu mau hōʻike olakino i ʻōlelo ʻia a mālama i nā kūlana maʻi.
  • E mālama i kāu ʻike olakino ma kahi hoʻokahi.

2. E HOOMANAO IA I KO OU OLA

  • E nānā me kāu hoʻolālā inikua a mokuʻāina paha
  • ʻO ka papahana Medicaid a i ʻole CHIP e ʻike i nā lawelawe i uhi ʻia.
  • E kamaʻāina me kāu mau koina (nā uku, nā uku hoʻokaʻawale, nā mea unuhi, ka ʻinikua hui).
  • E ʻike i ka ʻokoʻa ma waena o ka pūnaewele a me waho o ka pūnaewele.

3. E ʻike i kahi e hele ai e mālama

  • E hoʻohana i ke keʻena pilikia no kahi kūlana hoʻoweliweli.
  • Makemake ʻia ka mālama mua inā ʻaʻole ia he pilikia.
  • E ʻike i ka ʻokoʻa ma waena o ka mālama mua a me ka mālama pilikia.

2. E HOOMANAO IA I KO OU OLA

  • E nānā me kāu hoʻolālā inikua a mokuʻāina paha
  • ʻO ka papahana Medicaid a i ʻole CHIP e ʻike i nā lawelawe i uhi ʻia.
  • E kamaʻāina me kāu mau koina (nā uku, nā uku hoʻokaʻawale, nā mea unuhi, ka ʻinikua hui).
  • E ʻike i ka ʻokoʻa ma waena o ka pūnaewele a me waho o ka pūnaewele.

3. E ʻike i kahi e hele ai e mālama

  • E hoʻohana i ke keʻena pilikia no kahi kūlana hoʻoweliweli.
  • Makemake ʻia ka mālama mua inā ʻaʻole ia he pilikia.
  • E ʻike i ka ʻokoʻa ma waena o ka mālama mua a me ka mālama pilikia.

4. E imi i mea hoolako

  • E noi i nā poʻe āu e hilinaʻi ai a/a i ʻole e hana noiʻi ma ka pūnaewele.
  • E nānā i kāu papa inoa o nā mea hoʻolako.
  • Inā hāʻawi ʻia ʻoe i mea hoʻolako, e kelepona i kāu hoʻolālā inā makemake ʻoe e hoʻololi
  • Inā ʻoe i kākau inoa ma Medicaid a i ʻole CHIP, e kelepona i kāu papahana Medicaid a i ʻole CHIP mokuʻāina no ke kōkua.

5. HANA I KA PONO

  • E haʻi inā he maʻi hou ʻoe a i ʻole ma laila ma mua.
  • E hāʻawi i ka inoa o kāu hoʻolālā inikua a nīnau inā lawe lākou i kāu ʻinikua.
  • E haʻi iā lākou i ka inoa o ka mea hoʻolako āu e makemake ai e ʻike a me ke kumu āu e makemake ai i kahi manawa.
  • E noi i nā lā a i ʻole nā ​​​​manawa kūpono iā ʻoe.

4. E imi i mea hoolako

  • E noi i nā poʻe āu e hilinaʻi ai a/a i ʻole e hana noiʻi ma ka pūnaewele.
  • E nānā i kāu papa inoa o nā mea hoʻolako.
  • Inā hāʻawi ʻia ʻoe i mea hoʻolako, e kelepona i kāu hoʻolālā inā makemake ʻoe e hoʻololi
  • Inā ʻoe i kākau inoa ma Medicaid a i ʻole CHIP, e kelepona i kāu papahana Medicaid a i ʻole CHIP mokuʻāina no ke kōkua.

5. HANA I KA PONO

  • E haʻi inā he maʻi hou ʻoe a i ʻole ma laila ma mua.
  • E hāʻawi i ka inoa o kāu hoʻolālā inikua a nīnau inā lawe lākou i kāu ʻinikua.
  • E haʻi iā lākou i ka inoa o ka mea hoʻolako āu e makemake ai e ʻike a me ke kumu āu e makemake ai i kahi manawa.
  • E noi i nā lā a i ʻole nā ​​​​manawa kūpono iā ʻoe.

6. E HOOMAKAUKAU ANA NO KA HUAKAI

  • Loaʻa kāu kāleka ʻinikua me ʻoe.
  • E ʻike i ka mōʻaukala olakino o kou ʻohana a hana i kahi papa inoa o nā lāʻau lapaʻau āu e lawe ai.
  • E lawe mai i ka papa inoa o nā nīnau a me nā mea e kūkākūkā ai, a e kākau i nā memo i kāu kipa ʻana.
  • E lawe pū i kekahi me ʻoe e kōkua inā pono ʻoe.

7. E hoʻoholo inā pono ka mea hoʻolako iā ʻoe

  • Ua ʻoluʻolu paha ʻoe me ka mea hoʻolako āu i ʻike ai?
  • Ua hiki iā ʻoe ke kamaʻilio a hoʻomaopopo i kāu mea hoʻolako?
  • Ua manaʻo paha ʻoe e hiki iā ʻoe a me kāu mea lawelawe ke hana i nā hoʻoholo maikaʻi?
  • E hoʻomanaʻo: hiki ke hoʻololi i kahi mea lawelawe ʻē aʻe!

8. NA HANA AE MAHOPE O KO KOU KOHO

  • E hahai i nā kuhikuhi a kāu mea hoʻolako.
  • E hoʻopiha i nā ʻōlelo kuhikuhi i hāʻawi ʻia iā ʻoe, a lawe iā lākou e like me ke kuhikuhi ʻana.
  • E hoʻolālā i kahi huakaʻi hahai inā makemake ʻoe.
    E nānā i kāu wehewehe ʻana i nā pōmaikaʻi a e uku i kāu mau pili olakino.
  • E hoʻokaʻaʻike i kāu mea hoʻolako, hoʻolālā olakino, a i ʻole ke keʻena Medicaid mokuʻāina a i ʻole CHIP me nā nīnau.

Source: ʻO kāu palapala alanui i ke olakino. Nā kikowaena no nā lawelawe Medicaid & Medicare. Sepatemaba 2016.

No ke ʻike hou aku

Kākoʻo ʻia kēia ʻaoʻao e nā Centers for Medicare and Medicaid Services (CMS) o ka US Department of Health and Human Services (HHS) ma ke ʻano he ʻāpana o ka makana kōkua kālā i ka huina. $1,200,000 me 100 pākēneka i kākoʻo ʻia e CMS/HHS. ʻO nā mea i loko o ka mea kākau (mau) a ʻaʻole ia e hōʻike i ka manaʻo kūhelu o, ʻaʻole hoʻi he ʻae ʻia e CMS/HHS, a i ʻole ke Aupuni US.