By Raechel ʻO Fraser  Loio Hana |  Burlington / Mount Vernon Office

He kuleana ko nā mea hoʻokele e hahai i nā lula o ke alanui e hōʻoia i ka palekana o kā lākou poʻe holo, nā poʻe ʻē aʻe e hoʻohana ana i ke alanui, a me lākou iho. Eia nō naʻe, i kekahi manawa nā pōā kaʻa hiki ke hana ʻia me ka nānā ʻole i ka palekana alanui, a he mea pono nō hoʻi e hoʻomaopopo nā mea hoʻokele i nā ʻano ʻinikua like ʻole e hiki ke pale iā lākou a me ko lākou mau ʻohana inā loaʻa kahi ulia kaʻa.

ʻOiai he nui nā ʻano uhi e hiki ai i nā mea hoʻokele ke kūʻai inā loaʻa kahi ulia kaʻa, e kālele ana kēia blog i ka ʻokoʻa nui ma waena uhi ʻana i nā uku lapaʻau (MedPay) a me ka palekana no nā ʻeha pilikino (PIP).

He aha nā mea e uhi ʻia e MedPay?

ʻO MedPay kahi mea hou aʻe hiki iā ʻoe ke hoʻokomo i kāu kulekele ʻinikua kaʻa, a uhi ia i nā lilo lapaʻau mai nā ulia, me ka nānā ʻole i ka mea hewa. Hiki i ke kulekele MedPay ke uhi i nā lilo e like me:

  • Nā uku lapaʻau, nā deductibles, a me nā co-pays
  • Nā kipa kauka a me ka haukapila
  • Hana hana
  • Nā Ambulances
  • Nā hui ʻeha
  • Nā hoʻonohonoho Chiropractic
  • Nā lilo hoʻolewa

He ʻokoʻa ʻo MedPay mai ka ʻinikua olakino maʻamau no ka mea ʻaʻole ia e uhi wale i kou mau ʻeha, akā hiki iā ia ke uhi i kekahi i ʻeha i ka ulia, me nā mea holo, nā poʻe hele wāwae, a me nā mea holo paikikala. Hiki iā Medpay ke hana ma ke ʻano he ʻinikua mua i ka wā o kahi ulia a hoʻohana pinepine ʻia ma nā wahi kūlanakauhale me ka nui o ka poʻe hele wāwae. 

He aha ka PIP a pehea e hana ai?

ʻO PIP, ka palekana ʻeha pilikino, kekahi mea hoʻohui ʻinikua kaʻa e hiki ai i nā mea nona nā kaʻa ke kūʻai e kōkua i ka pale ʻana iā lākou inā e ʻeha lākou ma ke alanui. ʻOiai, hāʻawi ʻo PIP lāua ʻo MedPay i ka uhi ʻole hewa, ʻo ka ʻokoʻa nui ma waena o PIP lāua ʻo MedPay, ʻo ia ka uhi ʻana i nā lilo lapaʻau mai nā ulia, hiki iā PIP ke uhi i nā kumukūʻai hou aʻe, inā ʻaʻole hiki ke uhi piha ʻia nā ʻeha mai ka ulia kaʻa e MedPay.

Hiki i ka PIP ke uhi i nā kumukūʻai e like me:

  • Ka nalowale o ka loaʻa kālā ma muli o ka hiki ʻole ke hana ma hope o ka ʻeha
  • Nā lāʻau lapaʻau noʻonoʻo
  • Nā lawelawe e kōkua ai i ka mālama keiki a me ka hoʻomaʻemaʻe
  • Hoʻōla hou ʻana no ka ʻeha

 Ma muli o kona hiki ke uhi nui ʻia, ua manaʻo ʻia ʻo PIP he ʻoi aku ka piha o ka hoʻolālā ʻinikua ma mua o MedPay a koi ʻia ma nā mokuʻāina he nui, ʻoiai ʻo MedPay e koi ʻia ma ʻelua mau mokuʻāina. Kōkua ʻo PIP i ka pale ʻana i nā mea hoʻokele ma ka hāʻawi ʻana iā lākou i ka nui o ka palekana i ka wā e kū ai i kahi ulia kaʻa e hoʻololi ai i ke ola.

I ke koho ʻana i ka uhi ʻinikua e kiʻi ai, he mea nui e kūkākūkā me nā loea a aʻo pehea e hiki ai i kēlā me kēia hoʻolālā ʻinikua ke pale iā ʻoe a me kou ʻohana i ka wā e loaʻa ai kahi kūlana ʻino loa.

Inā ua ʻeha ʻoe i kahi ulia kaʻa, ua ʻōlelo ʻia e kamaʻilio me kahi loio ʻeha pilikino akamai i ka hikiwawe loa e nānā i nā mea e hiki i kāu ʻinikua ke uhi. 

E kāhea aku i kahi Loio ʻEha Pilikino Akamai i kēia lā

 Eia nā loio GLP e kōkua iā ʻoe e hoʻokele i kāu uhi ʻinikua ma hope o kahi ulia kaʻa. Ke ho'ōla nei ʻoe mai nā ʻeha ulia kaʻa, e hōʻoia mākou e hiki nō hoʻi iā ʻoe ke manaʻo palekana kālā. Hiki ke paʻakikī nā hihia ʻeha pilikino mai kahi ʻeha ulia kaʻa, a pono ʻoe e hoʻomaopopo i nā ʻano kuleana like ʻole a me nā pilikia uhi ʻinikua e pili ana i kāu hihia, me ka uhi ʻana o Medpay a i ʻole Personal Injury Protection. Inā manaʻo ʻoe ua hewa kekahi i ke kumu o kahi ulia āu, kahi lālā o ka ʻohana a i ʻole kahi hoaaloha i komo ai, pono ʻoe e nānā hou ʻia nā ʻoiaʻiʻo o kāu koi e kahi loio i ka hikiwawe loa.

 Inā ua pili ʻoe i kahi ulia kaʻa, e ʻoluʻolu e kelepona mai 800.273.5005 a i ʻole leka uila i kā mākou loio hōʻeha pilikino ma no kahi kūkākūkā mua manuahi. E hiki i kekahi o kā mākou loio akamai ke haʻi iā ʻoe inā hiki iā ʻoe ke hōʻiliʻili i nā pohō.