 Welcome to Zen Tech Hawaii. Konnichiwa, Hawaii. A Japanese language for Tokyo and downtown Honolulu. I'm available on YouTube. I'm your host, Yukari Kunisue. And joining me today is Mrs. Tomoko Washington, a bilingual insurance benefit consultant. Hello, everyone. I'm Yukari Kunisue from Honolulu, downtown Honolulu, and I'm available on Zen Tech Hawaii in Japanese. Konnichiwa, Hawaii. I'm your host, Yukari Kunisue. Today, I'm going to talk about the use of insurance companies. I'm working as a benefit consultant for Medicare insurance. I'm going to talk to Mrs. Tomoko Washington. There are a lot of people who are being cut or cut in time due to COVID-19. In Hawaii, 25% of the population of the road is due to insurance companies. There are people who are being cut or cut in time due to COVID-19. I'd like to talk to Mrs. Tomoko Washington about this. Thank you for your time, Mrs. Tomoko Washington. Thank you for your time, Mrs. Tomoko Washington. I think there are a lot of people who don't know how to start with Medicare insurance. But for Medicare insurance, I'll talk about it in detail later. What kind of insurance are you looking for? I'm looking for people who are over 65 years old or who are in disability. I'm looking for people who are under the insurance insurance system. I'd like to talk to Mrs. Tomoko Washington about COVID-19 later. Medicare insurance is provided by the federal government, so what kind of role does Mrs. Tomoko have in that regard? The Medicare insurance provided by the federal government is divided into several parts. Part C is called the Medicare Advantage Plan, Part D is called the prescription plan, and the Supplemental Plan is called the Supplemental Plan. The Supplemental Plan is a plan that the private health insurance company contracts with the government, and the private health insurance company provides it based on the government's standard. So I'm taking that plan. There are various plans signed up by the private health insurance company, such as getting insurance directly from the federal government and getting insurance directly from the private health insurance company. The Medicare insurance provided by the federal government is Part A and Part B. This is the card. Can you see it? The screen is a little bit... Part A and Part B are signed up by the federal government. After you get this card, you can enter the Medicare Advantage Plan or the Supplemental Plan. I see. So you're going to go to Part A and Part B, but Part A, Part B, Part C, and Part D are four. Yes, they are. And from Part A and Part B, the federal government is going to get insurance directly from the private health insurance company. Yes, from the private health insurance company. And then there's the Supplemental Plan, which is also called the Medicare app, and the private health insurance company provides it. So, how many plans are there? There are five types of plans. The first one is the contents. Part A is for the private health insurance company. Part B is for the medical insurance company. Part A is for the hospital. Part B is for the medical insurance company. Part B is for the Medicare Advantage Plan. And Part D is for the prescription drug. It's a prescription drug. And of course, there's age. Of course, there are people who can wash their hands. How old are you in general? How old are you in general? I'm 65 years old. I'll come back a little later. It's COVID-19. There are people who are over 65 years old. In other words, there are people who have the right to enter the Medicare app. So far, I've received insurance from the company. But due to the lay-off, I lost my insurance. What should people like that do? Well, people like that... Until now, I've worked more than 65 years from the company. And the person who received the group insurance from the company is only part A. Only part A is included. And part B is the person who sent the money. So, if you lose the group insurance from the company due to the lay-off, you have to continue Part B. And then you have to have a prescription plan. So, you have to enter the Medicare Advantage Plan where the prescription plan is included. Or you have to enter the Supplemental Plan and the prescription plan. So, you have to have a prescription plan. I see. Before entering the plan, I'm worried about what you're worried about. I think there are people who want to find out whether they are suffering from COVID-19 or not. There are people who want to find out. But the insurance is gone. People who are 65 years old are told that it's a dangerous age. There are people who are particularly ill. Are those people able to get a test because of the Medicare cover? Yes. If you lose the group insurance from the company and you are 65 years old, you don't have to cut off the insurance from the company. For example, the company's insurance will be available until April 1, so you have to start the Medicare from May 1. You have to continue the social security. If you enter the Medicare plan, you can get a COVID-19 test covered. If it's a Medicare Advantage plan, as of April 6, as far as I've checked, it's a Medicare Advantage plan, almost all plans. It's a Medicare Advantage plan and it's not just a test, but a COVID-19 treatment. It's a treatment. It's a Medicare Advantage plan. I see. You are 65 years old now. There are other people who want to get a medical cover. If you are 65 years old, you can get a medical cover. You can get a medical cover. I'm talking about the Social Security Office. I think there are many people who don't know. Why Medicare and Social Security? What is the relationship? What should be the policy? I think there are many people who don't know. Can you explain it briefly? Medicare is a thing that is provided by the government. It's a social security policy. If it's normal, you can directly go to the Social Security Office and get a follow-up. But now, the Social Security Office is closed, so the follow-up is called or online. You can get a follow-up. The two types of forms are sent by the government. Even if you are 65 years old, you are still working hard. If you are getting a group insurance from the company, you can get only A. If you are not getting a Part B, you can get only A. If you are not getting a Part B, you can get a Part B by using these forms. The two types of forms are the first type. The second type is the application of Part B. The second type is the application of Part B. The second type is the application of Part B. The second type is the customer support from the company which has received a group insurance. If the person from the company doesn't have an HR, the company's boss or president or something like that. There are three types. And the person who received the contract will be 64 years old We need to continue to prove that we had a group insurance from the company. That's why we need to keep that in mind. We need to prepare those two and use them. We need to use the certificate of meaning to make sure we had a group insurance. We need to write in Japanese. We need to copy the documents and leave them to the company. Social security is... I just said it was a phone call. It's hard to speak English in a phone call. It's hard for American people. It's hard for foreigners to speak English in a phone call. If you only had part A, you could use part B. But if you don't have part A and B yet, or if you're 65 years old, it's hard to use part A in a phone call. We need to prepare all the necessary documents in a phone call. That's how we call them. If you don't know what's going on, it's hard to speak English in a phone call. That's why I'm here. I see. That's what you're talking about. That's right. We need to figure out how to write documents, how to write applications, how to fill out the documents. We need to send the documents to the company's HR and contact them. We need to send the documents to the company and ask them to send them to us. HR is responsible for everything. I want to summarize this, but if you're new to Medicare, you'll have to check if you don't have one. Part A is when you use a new in or when you use a facility. Part B is when you send a doctor or get treatment. That's right. There's a name for Part A and Part B. We need to fill out A and B and the company will take care of them. That's Part A and Part B. That's right. Part D is when you send the documents. Part C is when you send the documents. Part C is when you send the documents. That's right. There's a name for the subprime. Basically, you need to fill out the four points. That's right. That's important. And then, as the head of the government, the relationship with Social Security is like the way it was planned. Social Security is a social security policy. Social Security is a social security policy that's what we're doing. That's right. Medicare is provided by Social Security. Part A and Part B Most people don't have a lot of insurance. Part B is provided by Social Security. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. That's what we're doing. If you say it in English, you won't understand Japanese very well. It's like a phrase. So, if you talk about it like this, it means that you have such a role. That's it. Yes. Yes. After this, I would like to take a little break here. After this, I think there are some other people who are 65 years old. I would like to continue to talk about medical care. So, I would like to take a little break here. We're going to take a short break here. And we'll be right back. And continue our discussion on Medicare and Medicare related topics. Aloha. I'm Kili Akina, the host of Hawaii Together on the Think Tech Hawaii Broadcast Network. Hawaii Together deals with the problems we face in Paradise and looks for solutions, whether it's with the economy, the government or society. We're streamed live on Think Tech bi-weekly at 2 p.m. on Mondays. I want to thank you so much for watching. We look forward to seeing you. Again, I'm Kili Akina. Aloha. Okay, we are back from the short break. And we are going to continue speaking with Tomoko Washington. She is an insurance benefit consultant. This is a Medicare specialist here. I would like to continue to talk to Tomoko Washington. Until now, we have been talking about medical care for over 65 years. Of course, this is not Tomoko's specialty, but I think there are some people who are under 65 years of age. It's easy to say, but what should we do? Yes, there are several options for people under 65 years of age. If you are closed off and you have to do a group insurance from the company, first of all, one of them is COVRA. COVRA is a medical insurance that I received from the company until now. COVRA is a medical insurance that allows you to keep the same coverage, the same content, depending on your own insurance. COVRA is a medical insurance that allows you to keep the same coverage, the same content, depending on your own insurance. That's right. COVRA is a medical insurance that allows you to keep the same coverage, the same content, depending on your own insurance. That's right. COVRA is a medical insurance that allows you to keep the same coverage, the same content, depending on your own insurance. If you are closed off and you have to do a group insurance from the company until now, that's how you can keep the same coverage, the same content, depending on your own insurance. Other than that, it's an individual plan. It's an individual plan that is called an Obamacare or ACA plan. That's called an individual plan. That's from the site where the government runs the company. And that's from the health insurance of the government. The health insurance of the government? That's right. Obamacare is a medical insurance. That's why Obamacare or ACA is an individual plan that allows you to keep the same coverage, the same content, depending on your own insurance. That's right. For example, if you have a patient or a patient who has no insurance, that means you can keep the same coverage. If you have a patient or a patient who has no insurance, that means you can keep the same coverage, the same information, depending on your own insurance. For example, if you have a patient or a patient who has no insurance, that means you can keep the same coverage, the same information, depending on your own insurance. That's why Obamacare is called a medical insurance. That's right. The other thing is that you can keep the same coverage, the same information, depending on your insurance. That's what Obamacare is called. That's right. This is also a website for the government. It's a website for the government. It's a website for the government. It's an online website. I understand. Also, if you have a patient who has no insurance, if you don't have insurance, you can keep the same coverage, and if you have a patient who has insurance, you can keep the same coverage, the same information, depending on your insurance. I see. Let's go back to the Medicare. It's more than 65 years old. If you're 65 years old this year, how long do you think you can keep the same coverage? Do you think you can keep the same coverage? If you keep the same coverage, it's called a special enrollment period, and it's recognized as a special admission period. That's why you can enroll now. It's better to keep the same coverage before you can keep the same coverage. If you could cut a lot in the middle of April, then you can keep the same coverage in the middle of April. You can keep the same coverage for the first five months. I see. It's often referred to during the third month. The first three months of your work. Are you still okay with that? It's fine. You're still in the second month. I think there is a part that has been cut off in March, but it still looks good, so it's better to wear it early. So, what does 65 years old look like? 65 years old is 65 years old, 3 months old is 65 years old, 3 months old is 6 months old, and 7 months old is 6 months old. I see. So, even if you don't wait for your birthday, it's better to wear it 3 months before you get 65 years old. Yes, if you are already getting the annual salary of the company, you can automatically enter and continue. And automatically, you will receive a medical card, but if you haven't received it yet, you need to continue A and B by yourself. Yes, and that's what we talked about earlier. You have to continue A and B by yourself. Social Security Office. Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes, and now... Yes. Yes. Yes. I know... and how to write a paper. And that's free too. Yes. The continuation of social security is my job's external role, but there are a lot of people who are in trouble because of this situation, so I'll take a look at it. Thank you. Where would you like to contact Mr. Tomoko Washington? The phone number is 808-753-0622. Yes, I'll repeat it. The phone number is 808-753-0622. If you want to contact Mr. Tomoko Washington, can you send us a message? The email address is Tomoko, T-O-M-O-K-O, at the mark, right? And P-B-C, the Premium Benefit Consultant, P-B-C, Hawaii.com. Got it? P is PAPA, B is OI, C is CATC, C is Hawaii.com. Tomoko, P-B-C, Hawaii.com. For example, here, it's okay, right? Yes, yes. Yes, that's right. And then, at the end, you can't contact Mr. Tomoko, if you have any questions, but if you have any questions, how should we finish it? I'm 65 years old. What should we do? Yes, that's right. Well, the insurance company is called TeleHealth. In this way, we can do a video call or call to verify it. That's a plan to cover it. Yes. If you think that if you are in Corona, first of all, use TeleHealth or call the family doctor directly. Yes. Yes. And then, what should we do? Depending on the person's symptoms, whether it's better to do a test or to guide the next step. First of all, I understand. Yes, the doctor. I think there are times when you don't call and in that case, you can contact the insurance company. Yes. There is a line so Yes, that's right. Yes, that's right. Well, I think many of you are watching at home but you can also consult in the form of a teleconference. I would like to reach out as much as possible without worrying. I think it's a difficult time but I hope you can do it. Thank you very much. Thank you very much. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Thank you very much. Yes. Yes. Yes. Yes. Yes. Yeah. Yes. Yes. Yes.