To taub Medicare

Medicare yog tsoomfwv tuav pov hwm kev nyab xeeb rau cov neeg hnub nyoog 65 lossis laus dua. Qee tus neeg kuj tseem yuav tau txais Medicare:

• Cov neeg hluas uas xiamoobqhab
• Cov neeg uas muaj mob raum mus tag li (mob raum ntu raum) thiab xav lim ntshav los yog lub raum hloov ntshav

Yuav kom tau txais Medicare, koj yuav tsum yog ib tus neeg xam xaj Meskas lossis muaj ntawv nyob hauv tebchaws no uas nyob hauv lub tebchaws tsawg kawg yog 5 xyoos.

Medicare muaj plaub ntu. Ntu A thiab B kuj tseem hu ua "Original Medicare."

• Ntu A - Kev saib xyuas mob hauv tsev khomob
• Tshooj B - Kev saib xyuas mob sab nraud
• Tshooj C - Medicare Advantage
• Tshooj D - Medicare Cov Ntawv Qhia Txog Tshuaj Kho Mob

Cov neeg feem coob xaiv cov Thawj Medicare (ntu A thiab B) lossis Medicare Advantage. Nrog Tus Thawj Medicare, koj muaj txoj kev xaiv kuj tseem xaiv Phiaj Xwm D rau koj cov tshuaj noj.

Medicare tshooj A npog cov kev pab thiab khoom siv uas xav tau los kho kab mob lossis kab mob thiab uas tshwm sim thaum lub sijhawm:

• Tsev kho mob.
• Cov kws tu neeg mob hauv tsev laus, thaum koj raug xa kom rov zoo los ntawm kev mob lossis kev kho mob. (Tsiv mus nyob hauv cov tsev laus thaum koj tsis tuaj yeem nyob hauv tsev tau tsis them los ntawm Medicare.)
• Tsev kho mob.
• Mus kuaj mob tom tsev.

Cov kev pabcuam thiab cov khoom siv tau muab thaum nyob hauv tsev kho mob lossis tsev kho mob uas suav nrog:

• Kev saib xyuas mob los ntawm cov kws kho mob, cov kws tu neeg mob, thiab lwm cov neeg saib xyuas kev noj qab haus huv
• Tshuaj
• Kev saib xyuas mob nkeeg
• Kev kho kom pab nrog hais lus, nqos dej, txav mus los, da dej, hnav khaub ncaws thiab lwm yam
• Kev kuaj sim thiab kuaj duab
• Kev phais thiab cov txheej txheem
• Lub tog muaj log, cov taug kev, thiab lwm yam khoom siv

Cov neeg feem coob tsis them tus nqi txhua hli rau Ntu A.

Kev saib xyuas sab nrauv. Medicare Tshooj B pab them rau cov kev kho mob thiab cov kev pab cuam muab sab nraud. Kev saib xyuas rau cov neeg mob sab nrauv yuav siv nyob rau hauv:

• Chav kho mob ti tes ti taw lossis lwm qhov chaw ntawm lub tsev kho mob, tab sis thaum koj tsis nkag
• Lub chaw haujlwm saib xyuas kev noj qab haus huv (suav nrog kws kho mob tus kws kho mob, kws kho mob, thiab lwm tus)
• Ib lub chaw phais
• Lub chaw kuaj lossis chaw ntsuas duab
• Koj lub tsev

Cov kev pabcuam thiab lwm tus kws saib xyuas kev noj qab haus huv. Nws kuj them rau cov kev pabcuam tiv thaiv kev khomob, xws li:

• Kev mus ntsib kev noj qab haus huv thiab lwm yam kev pabcuam tiv thaiv, xws li txhaj tshuaj tiv thaiv khaub thuas thiab mob ntsws thiab kuaj qog mis
• Cov txheej txheem phais
• Kev kuaj ntsuas thiab xoo hluav taws xob
• Tshuaj thiab cov tshuaj uas koj tsis tuaj yeem muab rau koj tus kheej, xws li cov tshuaj muab los ntawm koj cov leeg ntshav
• Pub cov leeg
• Mus ntsib nrog ib tus kws kho mob
• Lub tog muaj log, cov taug kev, thiab lwm yam khoom siv
• Thiab ntau ntau ntxiv

Cov neeg feem ntau them tus nqi them txhua hli rau Tshooj B. Koj kuj them ib qho me me rho tawm txhua xyoo. Thaum tau txais cov nyiaj ntawd, koj them 20% tus nqi rau feem ntau cov kev pabcuam. Qhov no hu ua hwm nyiaj. Koj tseem them cov nqi them rau kev mus ntsib kws kho mob. Qhov no yog tus nqi me, feem ntau kwv yees li $ 25 lossis li ntawd, rau txhua tus kws kho mob lossis kws kho mob tshwj xeeb.

Raws nraim dab tsi raug them rau hauv koj thaj chaw nyob ntawm:

• Tseem hwv thiab lub xeev txoj cai lij choj
• Qhov kev txiav txim dab tsi Medicare yuav them rau
• Cov tuam txhab hauv zos txiav txim dab tsi los npog

Nws yog ib qho tseem ceeb yuav tsum kuaj xyuas koj li kev tiv thaiv ua ntej siv cov kev pabcuam kom paub seb Medicare yuav them rau dab tsi thiab koj yuav tsum them dab tsi.

Cov txiaj ntsig Medicare (MA) muaj cov txiaj ntsig zoo ib yam li Ntu A, Ntu B, thiab feem D. Qhov no txhais tau tias koj tau txais kev pab them nqi kho mob thiab tsev kho mob thiab cov tshuaj yuav. Cov phiaj xwm MA muaj los ntawm cov tuam txhab muag pov hwm ntiag tug muab uas ua haujlwm nrog Medicare.

• Koj them tus nqi them txhua hli rau hom phiaj xwm no.
• Feem ntau koj yuav tsum siv cov kws kho mob, tsev kho mob, thiab lwm tus kws kho mob uas ua haujlwm nrog koj txoj kev npaj lossis koj yuav tau them nyiaj ntau.
• Lub hom phiaj MA them rau tag nrho cov kev pab uas them los ntawm Original Medicare (feem A thiab Tshooj B).
• Lawv kuj tseem muaj kev pab them nyiaj ntxiv xws li tsis pom kev, hnov ​​lus, kho hniav, thiab pab them tshuaj. Muaj qee kis, koj yuav tau them ntxiv rau qee cov kev pab ntxiv xws li kev kho hniav.

Yog tias koj muaj Medicare thawj (tshooj A thiab B) thiab xav tau kev pab them tshuaj, koj yuav tsum xaiv Medicare Daim Ntawv Qhia Txog Tshuaj Kho Mob (Txoj Kev D). Cov kev pab them nqi no yog muab los ntawm cov tuam txhab tuav pov hwm ntiag tug pom zoo los ntawm Medicare.

Koj tsis tuaj yeem xaiv Lub Hom Phiaj D yog tias koj muaj Medicare Advantage txoj kev npaj vim tias kev pab them nyiaj raug muab los ntawm cov phiaj xwm ntawd.

Medigap yog Medicare cov nyiaj pab kas phais ntxiv kev muag khoom los ntawm cov tuam txhab ntiag tug. Nws pab txhawm rau them tus nqi xws li feem them nqi, pab them tus nqi, thiab rho tawm. Txhawm rau kom tau txais txoj cai Medigap koj yuav tsum muaj Original Medicare (feem A thiab ntu B). Koj them cov tuam txhab kev tuav pov hwm ntiag tug txhua hli them tus nqi rau koj txoj cai Medigap ntxiv nrog cov nqi them Tshooj B uas koj them rau Medicare.

Koj yuav tsum koom nrog Medicare Tshooj A ntawm 3 lub hlis ua ntej koj lub hnub yug (hloov 65) thiab 3 hlis tom qab koj lub hlis yug. Koj muab sijhawm 7 lub hli qhia kom tuaj koom.

Yog tias koj tsis rau npe rau Ntu A nyob hauv lub qhov rais ntawd, koj yuav tau them tus nqi nplua kom koom nrog hauv txoj kev pab them nqi, thiab koj yuav tau them tus nqi them txhua hli nyob rau qhov siab dua. Txawm hais tias koj tseem ua haujlwm thiab yuav raug pov hwm los ntawm koj cov nyiaj pov hwm kev ua haujlwm, koj yuav tsum rau npe rau Medicare Tshooj A. Yog li tsis txhob tos koom nrog Medicare.

Koj tuaj yeem tso npe rau Medicare Tshooj B thaum koj kos npe rau ntu A, lossis koj tuaj yeem tos kom txog thaum koj xav tau hom kev fajseeb khomob ntawd.

Koj tuaj yeem xaiv ntawm Medicare thawj (Tshooj A thiab Tshooj B) lossis Medicare Advantage Plan (Tshooj C). Feem ntau, koj tuaj yeem hloov rov qab thiab dhau los ntawm cov hom kev pab no tsawg kawg ib xyoos ib zaug.

Txiav txim siab yog tias koj xav tau kev pab them cov tshuaj los yog Tshooj D. Yog tias koj xav tau kev pab them cov tshuaj koj yuav tsum piv cov phiaj xwm khiav los ntawm cov tuam txhab tuav pov hwm. Tsis txhob tsuas yog sib piv cov nqi them nyiaj thaum muab piv cov phiaj xwm. Nco ntsoov tias koj cov tshuaj yuav them los ntawm cov phiaj xwm koj tab tom saib.

Xav txog cov khoom hauv qab no thaum koj xaiv koj txoj kev npaj:

• Kev Pab Them - Koj txoj kev npaj yuav tsum them rau cov kev pabcuam thiab cov tshuaj koj xav tau.
• Cov Nqi - Sib piv cov nqi uas koj yuav tau them nyob rau hauv cov phiaj xwm sib txawv. Sib piv cov nqi ntawm koj tus nqi, kev txiav tawm, thiab lwm yam nqi ntawm koj cov kev xaiv.
• Cov tshuaj kws kho mob muab - Tshawb xyuas kom ntseeg tseeb tias tag nrho koj cov tshuaj yog raws li hom phiaj qauv tshuaj.
• Tus kws kho mob thiab tsev kho mob xaiv - Kuaj seb koj puas tuaj yeem siv tus kws kho mob thiab tsev kho mob ntawm koj qhov kev xaiv.
• Cov kev saib xyuas kom zoo - Txheeb xyuas cov kev ntaus nqi thiab cov phiaj xwm muab los ntawm cov phiaj xwm hauv koj thaj chaw.
• Kev Mus Ncig - Tshawb xyuas seb cov ntawv them nqi npog koj yog tias koj taug kev mus rau lwm lub xeev lossis lwm qhov chaw nyob hauv Tebchaws Meskas.

Txhawm rau kawm paub ntau ntxiv txog Medicare, kawm txog Medicare Advantage cov phiaj xwm muaj nyob hauv koj thaj chaw, thiab sib piv cov kws kho mob, tsev kho mob, thiab lwm cov chaw muab kev pab hauv koj thaj chaw, mus rau Medicare.gov - www.medicare.gov.

Cov chaw rau Medicare thiab Medicaid Cov Kev Pabcuam lub vev xaib. Medicare yog dab tsi? www.medicare.gov/what-medicare-covers/your-medicare-coverage-choices/whats-medicare. Nkag mus rau Lub Ob Hlis 2, 2021.

Cov chaw rau Medicare thiab Medicaid Cov Kev Pabcuam website. Cov kev pab them nqi kho mob Medicare duav dab tsi. www.medicare.gov/what-medicare-covers/what-medicare-health-plans-cover. Nkag mus rau Lub Ob Hlis 2, 2021.

Cov chaw rau Medicare thiab Medicaid Cov Kev Pabcuam lub vev xaib. Cov tshuaj ntxiv thiab lwm yam pov hwm. www.medicare.gov/supplements-other-insurance. Nkag mus rau Lub Ob Hlis 2, 2021.

Stefanacci RG, Cantelmo JL. Tswj kev saib xyuas rau cov neeg laus neeg Asmeskas. Hauv: Sau HM, Rockwood K, Young J, eds. Brocklehurst's Cov Ntawv Phau Ntawv Txog Tshuaj Geriatric thiab GerontologyCov. 8 tus ed. Philadelphia, PA: Elsevier; 2017: cha 129.

• Medicare
• Kev Them Nyiaj Kho Mob Medicare Siv Tshuaj