Kuv Puas tuaj yeem hloov ntawm Medicare Advantage rau Medigap?

Zoo Siab

• Qhov txawv ntawm Medicare Advantage thiab Medigap yog dab tsi
• Medicare Advantage yog dab tsi?
• Qhov Zoo ntawm Medicare Advantage Plan
• Qhov tsis zoo ntawm qhov Medicare Advantage Plan
• Medigap yog dab tsi?
• Qhov zoo ntawm cov phiaj xwm Medigap
• Qhov tsis zoo ntawm Medigap txoj kev npaj
• Thaum twg kuv tuaj yeem pauv los ntawm Medicare Advantage rau Medigap?
• Cov lus qhia rau xaiv qhov phiaj xwm Medicare
• Cov nqa mus

• Medicare Advantage thiab Medigap yog ob qho muag los ntawm cov tuam txhab kev pov hwm ntiag tug.
• Lawv muab Medicare cov txiaj ntsig ntxiv rau cov kev pov hwm Medicare uas xub them.
• Koj tsis tuaj yeem tso npe rau hauv Medicare Advantage thiab Medigap, tab sis koj tuaj yeem hloov pauv ntawm cov phiaj xwm no thaum qee lub sijhawm nkag.

Yog tias koj tam sim no muaj Medicare Advantage, koj tuaj yeem hloov mus rau Medigap thaum lub sijhawm qhib tshwj xeeb. Medicare Advantage thiab Medigap yog cov piv txwv ntawm cov ntawv pov hwm sib txawv koj tuaj yeem muaj - tsuas yog tsis yog tib lub sijhawm.

Yog tias koj xav hloov los ntawm Medicare Advantage rau Medigap, ntawm no yog qhov koj yuav tsum paub kom ua kom nws tshwm sim.

Qhov txawv ntawm Medicare Advantage thiab Medigap yog dab tsi

Medicare Advantage thiab Medigap yog ob qhov phiaj xwm pov hwm Medicare muaj los ntawm cov tuam txhab tuav pov hwm ntiag tug; txawm li cas los xij, lawv muab ntau hom kev pov hwm.

Medicare Advantage (Tshooj C) hloov kho Medicare thawj (tshooj A thiab B), thaum Medigap (Medicare ntxiv) muab cov txiaj ntsig kev pab them cov nqi kho mob xws li feem yus them, pab them nyiaj, thiab txiav tawm.

Koj tuaj yeem tsuas tso npe tau rau hauv Medicare Advantage lossis Medigap - tsis yog ob qho tib si, yog li nkag siab qhov sib txawv hauv ob qhov kev pab cuam Medicare yog qhov tseem ceeb tshwj xeeb thaum mus yuav koj cov kev pab them nyiaj Medicare.

Medicare Advantage yog dab tsi?

Kuj tseem hu ua Medicare Seem C, Medicare Advantage cov phiaj xwm muab kev pab them ua ke los hloov chaw qub Medicare - Medicare Tshooj A (tsev kho mob lossis pw kho mob pw), thiab Medicare Tshooj B (kev pab them nqi kho mob thiab khoom siv) tiv thaiv. Medicare Advantage cov phiaj xwm kuj tseem yuav muaj kev them tshuaj Medicare Part D thiab cov kev pab them rau cov khoom xws li kho hniav, kho qhov muag, hnov ​​lus, thiab lwm yam.

Qee tus neeg nrhiav cov kev pabcuam them nyiaj mus rau cov kev them nyiaj ib hlis tau yooj yim kom nkag siab thiab feem ntau ua kom muaj nuj nqis, thiab ntau tus neeg nyiam cov kev pabcuam ntxiv qee qhov Medicare Advantage cov phiaj xwm muab.

Ua raws li cov tuam txhab thiab hom phiaj koj xaiv, ntau Medicare Advantage cov phiaj xwm txwv cov chaw muab kev saib xyuas mob nkeeg uas koj tuaj yeem nkag mus rau tsuas yog cov nyob hauv lawv pawg. Medicare Advantage yuav dhau los ua qhov nyuaj ntau tshaj qhov qub Medicare yog tias ib tus neeg muaj Medicare Advantage txoj kev npaj xav ntsib cov kws kho mob tshwj xeeb.

Qhov Zoo ntawm Medicare Advantage Plan

• Medicare Advantage Cov Kev Npaj yuav pab them rau qee cov kev pabcuam Medicare qub, xws li tsis pom kev, kho hniav lossis kho mob.
• Cov phiaj xwm no yuav muab cov pob uas haum rau cov neeg mob qee tus mob uas xav tau kev pab tshwj xeeb.
• Cov phiaj xwm no suav nrog kev them tshuaj.
• Medicare Advantage Cov Kev Npaj yuav tsis tuaj yeem pheej yig yog tias ib tus neeg tsuas xav pom cov npe ntawm cov kws kho mob pom zoo hauv Medicare Advantage txoj kev npaj.

Qhov tsis zoo ntawm qhov Medicare Advantage Plan

• Qee qhov kev npaj yuav txwv tus kws kho mob uas koj tuaj yeem ntsib, uas yuav ua rau cov nqi hauv hnab tshos yog tias koj ntsib tus kws kho mob uas tsis nyob hauv.
• Qee tus neeg uas mob hnyav heev tuaj yeem pom tias Medicare Advantage nws kim heev vim yog siv nyiaj hauv hnab tshos thiab xav pom cov kws khomob uas tsis tsimnyog tau txais raws li phiaj xwm tshwj xeeb.
• Qee txoj kev npaj yuav tsis muaj raws li tus neeg thaj chaw.

Koj tuaj yeem koom nrog Medicare Advantage tom qab lub hnub nyoog 65 thiab tom qab koj tau tso npe rau hauv Medicare Tshooj A thiab B. Yog tias koj muaj kab mob raum ntu kawg (ESRD), koj tsuas tuaj yeem koom nrog Medicare tshwj xeeb tau txais kev pab tshwj xeeb hu ua Cov Kev Xav Tau Tshwj Xeeb (SNP) )).

Medigap yog dab tsi?

Cov phiaj xwm Medicare pab txhawb ntxiv, tseem hu ua Medigap, yog cov kev pov hwm kev xaiv uas pab them cov nqi kho mob xws li txiaj ntsig, them nyiaj, thiab txiav tawm.

Cov kev npaj khomob Medigap raug muag los ntawm cov tuam txhab muag kev pov hwm, thiab tshwj tsis yog koj yuav koj lub hom phiaj Medigap ua ntej Lub Ib Hlis 1, 2006, lawv tsis them rau cov tshuaj. Yog tias koj xaiv Medigap, koj yuav tsum tso npe rau Medicare Tshooj D txoj kev npaj txhawm rau kom muaj kev pab them tshuaj.

Medigap txoj cai yog muab ntxiv rau koj cov txiaj ntsig Medicare Tshooj A thiab Tshooj B. Koj tseem yuav tau them koj qhov Medicare Part B ntxiv rau koj cov nqi Medigap.

Qhov zoo ntawm cov phiaj xwm Medigap

• Cov kev npaj khomob Medigap yog qauv tsim, uas txhais tau tias yog koj tsiv chaw, koj tseem tuaj yeem khaws tau koj li fajseeb khomob. Koj tsis tas yuav tsum tau nrhiav txoj kev npaj tshiab zoo ib yam li koj ib txwm ua nrog Medicare Advantage.
• Cov phiaj xwm tuaj yeem pab them cov nqi kho mob uas Medicare tsis kam them, uas ua rau tib neeg lub nra txoj kev nyiaj txiag noj qab haus huv nqis tuaj.
• Thaum Medigap cov phiaj xwm feem ntau tuaj yeem raug nqi ntau dua nyob rau pem hauv ntej dua li phiaj xwm Medicare Advantage, yog tias ib tus neeg mob hnyav, feem ntau lawv tuaj yeem txo tus nqi.
• Cov phiaj xwm Medigap feem ntau lees txais yuav ntawm txhua qhov chaw uas siv Medicare, ua rau lawv tsis muaj kev txwv ntau dua li Medicare Advantage cov phiaj xwm.

Qhov tsis zoo ntawm Medigap txoj kev npaj

• Cov kev npaj kho mob Medigap xav kom yuav tsum tau them tus nqi tuav pov hwm ntxiv, uas yuav tsis meej pem rau qee tus neeg.
• Tus nqi txhua hli feem ntau yog siab dua Medicare Advantage.
• Daim phiaj F, ib ntawm cov phiaj xwm nrov tshaj plaws ntawm Medigap, duav cov feem ntau ntawm cov hnab tshos tawm. Nws yuav ploj mus xyoo 2020 rau cov neeg tau txais Medicare tshiab. Qhov no tej zaum yuav cuam tshuam cov koob npe nrov ntawm Medigap cov phiaj xwm.

Medigap cov cai yog ua qauv los ntawm Medicare. Qhov no txhais tau tias koj tuaj yeem xaiv los ntawm ob peb txoj cai tswjfwm uas yog qhov tseem ceeb tib yam thoob plaws hauv tebchaws. Txawm li cas los xij, cov tuam txhab kev pov hwm tuaj yeem them cov nqi sib txawv rau Medigap cov cai. Qhov no yog vim li cas nws them rau piv cov kev xaiv thaum mus yuav Medigap. Cov phiaj xwm pabcuam Medicare ntxiv siv cov tsiaj ntawv ua cov npe. 10 daim phiaj xwm tam sim no muaj: A, B, C, D, F, G, K, L, M, thiab N.

Yog tias koj yuav koj lub Medigap txoj kev npaj ua ntej 2020, koj yuav tsum tau Medicare Tshooj D ib yam nkaus thiab yog tias koj xav tau kev pab them tshuaj.

Thaum twg kuv tuaj yeem pauv los ntawm Medicare Advantage rau Medigap?

Qee lub xeev xav kom cov tuam txhab kev tuav pov hwm yuav tsum muag tsawg kawg ib hom Medigap txoj cai rau cov hnub nyoog qis dua 65 xyoo uas tsim nyog rau Medicare. Lwm lub xeev yuav tsis muaj cov phiaj xwm Medigap muaj rau cov hnub nyoog qis dua 65 xyoos uas muaj Medicare.

Koj tuaj yeem yuav Medigap txoj cai nyob rau lub sijhawm 6-lub hlis qhib rau npe nkag uas tshwm sim tom qab koj muaj hnub nyoog 65 xyoos thiab tau tso npe rau Medicare Tshooj B. Yog tias koj tsis rau npe nkag rau lub sijhawm no, cov tuam txhab kev pov hwm yuav nce tus nqi txhua hli.

Koj tsuas tuaj yeem hloov ntawm Medicare Advantage mus rau Medigap thaum lub sijhawm tseem ceeb ntawm lub xyoo. Tsis tas li, txhawm rau sau npe hauv Medigap, koj yuav tsum rov ua npe hauv Medicare qub.

Cov sij hawm thaum koj yuav hloov los ntawm Medicare Advantage rau Medigap suav nrog:

• Medicare Advantage qhib lub sijhawm nkag (Lub Ib Hlis 1 txog Peb Hlis 31)Cov. Nov yog qhov xwm txheej ib xyoos ib zaug thaum twg, yog tias koj tau nkag rau hauv Medicare Advantage, koj tuaj yeem hloov Medicare Advantage cov phiaj xwm lossis tawm Medicare Advantage txoj kev npaj, rov qab mus rau Medicare qub, thiab thov rau Medigap txoj kev npaj.
• Qhib lub sijhawm sau npe (Kaum Hli 15 txog Kaum Ob Hlis 7)Cov. Qee zaum hu ua lub sijhawm rau npe nkag txhua xyoo (AEP), koj tuaj yeem tso npe rau hauv Medicare txoj kev npaj khomob, thiab koj tuaj yeem hloov ntawm Medicare Advantage rov mus rau Medicare qub thiab thov rau Medigap txoj kev npaj khomob lub sijhawm no.
• Lub sijhawm sau npe tshwj xeebCov. Tej zaum koj tuaj yeem tawm ntawm koj daim phiaj Advantage yog tias koj tab tom tsiv thiab koj qhov Medicare Advantage txoj kev npaj tsis muaj nyob hauv koj tus lej tshiab.
• Medicare Advantage sim lub sijhawm. Thawj 12 lub hlis tom qab cuv npe rau Medicare Advantage yog lub npe hu ua Medicare Advantage sim lub sijhawm, yog tias qhov no yog koj thawj zaug muaj Advantage phiaj xwm, koj tuaj yeem hloov rov mus rau Medicare qub thiab thov Medigap.

Cov lus qhia rau xaiv qhov phiaj xwm Medicare

• Siv cov chaw xws li Medicare.gov los sib piv tus nqi ntawm cov phiaj xwm.
• Hu rau koj lub chaw pov hwm kev pov hwm hauv xeev kom paub seb qhov phiaj xwm uas koj xav tau muaj kev tsis txaus siab tawm tsam nws.
• Tham nrog koj cov phooj ywg uas muaj Medicare Advantage los yog Medigap thiab nrhiav qhov lawv nyiam thiab tsis nyiam.
• Hu rau koj cov kws kho mob uas koj nyiam kom paub seb lawv siv Medicare Advantage txoj kev npaj uas koj tab tom ntsuas.
• Soj ntsuam koj cov peev nyiaj los txiav txim seb koj tuaj yeem tsim nyog them ntau npaum li cas txhua hli.

Cov nqa mus

• Medicare Advantage thiab Medigap cov phiaj xwm yog ib feem ntawm Medicare uas tuaj yeem ua rau cov kev pab them nqi kho mob tsis tshua kim.
• Thaum xaiv ib qho los yog lwm qhov ib txwm xav tau qee qhov kev tshawb fawb thiab sijhawm, txhua tus muaj lub peev xwm cawm koj cov nyiaj hauv kev kho mob cov nqi yuav tsum muaj qhov kev xav tau tshwm sim.
• Yog koj tsis paub meej yuav pib qhov twg, hu rau 1-800-MEDICARE thiab tus sawv cev Medicare tuaj yeem pab koj nrhiav cov peev txheej uas koj xav tau.

Cov ntaub ntawv ntawm lub vev xaib no tuaj yeem pab koj txiav txim siab tus kheej txog kev tuav pov hwm, tab sis nws tsis yog yuav pab tswv yim txog kev yuav khoom lossis kev siv cov khoom pov hwm lossis kev tuav pov hwm. Healthline Media yuav tsis hloov lag luam ntawm kev tuav pov hwm tsis hais yam twg thiab tsis tau ntawv tso cai raws li cov tuam txhab pov hwm lossis cov neeg tsim khoom hauv ib cheeb tsam ntawm Teb Chaws Asmeskas. Healthline Media tsis tau qhia lossis pom zoo rau ib tog neeg thib peb uas ua lag luam ntawm kev tuav pov hwm.