Qhov Medicare Advantage Plan puas hloov daim tseem Medicare?

Zoo Siab

• Original Medicare thiab Medicare Advantage
• Original Medicare
• Medicare Advantage
• Lwm qhov sib txawv ntawm qhov qub Medicare thiab Medicare Advantage
• Cov kev pab dav dav
• Kev pab them nqi tshuaj
• Cov kev pab them nqi ntxiv
• Xaiv tus kws kho mob
• Cov txiaj ntsig ntxiv
• Pom zoo ua ntej rau cov kev pabcuam lossis khoom siv
• Koj puas tau txais kev pabcuam thaum mus ncig sab nraud Tebchaws Meskas?
• Cov txiaj ntsig kev sib piv cov lus
• Tus nqi sib txawv ntawm tus thawj Medicare thiab Medicare Advantage
• Tus nqi them nyiaj hauv hnab ris
• Cov kev txwv ib xyoos
• Cov Nyiaj Hwm
• Nqa Nyiaj

Medicare Advantage, tseem hu ua Medicare Tshooj C, yog lwm txoj kev xaiv rau, tsis yog hloov rau, Medicare thawj.

Medicare Advantage txoj kev npaj yog "txhua-hauv-ib" txoj kev npaj uas khiab Medicare Tshooj A, Ntu B, thiab, feem ntau, Feem D. Cov phiaj xwm Medicare Advantage kuj tseem muaj txiaj ntsig zoo xws li kho hniav, hnov ​​lus, thiab lub zeem muag uas tsis duav los ntawm thawj Medicare.

Medicare Advantage cov kev pab them nqi yog muab los ntawm cov tuam txhab ntiag tug uas tau pom zoo Medicare. Lawv yuav tsum ua raws li cov kev cai tswj hwm uas tau tsim los ntawm Medicare.

Yog tias koj txiav txim siab koom nrog Medicare Advantage txoj kev pab them nqi, koj tseem yuav muaj Medicare tab sis feem ntau ntawm koj qhov Medicare Part A (ntawv pov hwm tsev kho mob) thiab Medicare Tshooj B (ntawv pov hwm kho mob) yuav los ntawm Medicare Advantage txoj kev npaj, tsis yog Medicare qub.

Original Medicare thiab Medicare Advantage

Thawj Medicare thiab Medicare Advantage yog ob txoj kev tseem ceeb rau koj kom tau txais Medicare.

Original Medicare

Original Medicare suav nrog:

• Tshooj A: pw hauv tsev kho mob, qee cov kev saib xyuas kev noj qab haus huv hauv tsev, kev saib xyuas hauv cov tsev laus, kev saib xyuas lub tsev laus
• Tshooj B: kev khomob sab nrauv, kev pabcuam tsheb thauj neeg mob, khoom siv khomob, qee yam kev khomob ntawm kws khomob, kev pabcuam tiv thaiv

Medicare Advantage

Cov Kev Pab Kho Mob tau them rau txhua yam nyob hauv Medicare Tshooj A thiab Ntu B, ntxiv rau:

• Tshooj D: tshuaj (feem ntau cov phiaj xwm)
• cov kev tiv thaiv ntxiv (qee cov phiaj xwm) suav nrog kev pom kev, kho hniav, thiab hnov ​​lus

Lwm qhov sib txawv ntawm qhov qub Medicare thiab Medicare Advantage

Cov kev pab dav dav

Nrog Medicare qub, feem ntau cov kev pabcuam khomob thiab khoom siv khomob hauv cov kws kho mob chaw haujlwm, tsev kho mob, thiab lwm qhov chaw kho mob tau them rau.

Nrog Medicare Advantage, tag nrho cov kev kho mob uas yuav tsum tau kho uas duav tau los ntawm Medicare qub yuav tsum raug them.

Kev pab them nqi tshuaj

Nrog Medicare qub koj tuaj yeem koom nrog Part D txoj kev pab them nqi sib txawv, uas suav nrog kev pab them nyiaj.

Nrog Medicare Advantage, ntau txoj kev npaj los nrog Tshooj D twb suav nrog.

Cov kev pab them nqi ntxiv

Nrog Medicare qub, koj tuaj yeem yuav cov kev pab them nqi ntxiv, xws li Medigap txoj cai, kom tau txais kev pab them ntxiv rau koj cov kev txhawj xeeb kho mob tshwj xeeb.

Nrog Medicare Advantage cov kev pab them nqi, koj tsis tuaj yeem yuav lossis siv lwm cov nyiaj pab ntxiv. Nws txhais tau tias koj yuav xav tau kom paub tseeb tias daim phiaj xwm uas koj xaiv yuav them rau koj cov kev xav tau vim tias koj yuav tsis muaj txoj kev xaiv cov kev pabcuam ntxiv los pab nthuav koj cov nyiaj.

Xaiv tus kws kho mob

Nrog Medicare qub, koj tuaj yeem siv ib tus kws kho mob lossis tsev kho mob hauv tebchaws Meskas uas siv Medicare. Feem ntau, koj tsis tas yuav xa mus ntsib tus kws kho mob tshwj xeeb.

Nrog Medicare Advantage, koj yuav tsum tau siv cov kws kho mob hauv cov phiaj xwm kho mob thiab koj yuav tsum tau xa koj mus ntsib cov kws kho mob tshwj xeeb.

Cov txiaj ntsig ntxiv

Thawj qhov kev pab cuam Medicare tsis muaj cov kev pab ntxiv, xws li kev pom kev, kho hniav, thiab hnov ​​lus. Hloov chaw, koj yuav tsum tau ntxiv cov nyiaj ntxiv kom tau txais cov txiaj ntsig no.

Qee qhov phiaj xwm Medicare Advantage muaj cov txiaj ntsig ntxiv.

Pom zoo ua ntej rau cov kev pabcuam lossis khoom siv

Nrog Medicare qub, koj tsis tas yuav tau txais kev pom zoo ua ntej rau cov kev pabcuam lossis pabcuam.

Nrog Medicare Advantage, txhawm rau kom ntseeg tau tias qhov kev pabcuam lossis khoom siv tau them los ntawm txoj kev npaj khomob, koj yuav raug tso cai ua ntej rau qee kis.

Koj puas tau txais kev pabcuam thaum mus ncig sab nraud Tebchaws Meskas?

Original Medicare feem ntau tsis duav txog kev saib xyuas nyob sab nraum Tebchaws Asmeskas, tab sis koj yuav tuaj yeem yuav Medigap txoj cai rau kev pab them cov nqi sab nraum U.S.

Medicare Advantage feem ntau tsis duav txog kev saib xyuas sab nraud Tebchaws Asmeskas lossis tsis yog saib xyuas kub ntxhov ceev sab nraum cov phiaj xwm kho mob.

Cov txiaj ntsig kev sib piv cov lus

Tus nqi sib txawv ntawm tus thawj Medicare thiab Medicare Advantage

Tus nqi them nyiaj hauv hnab ris

Nrog Medicare qub, tom qab koj tau ntsib qhov koj them ua ntej, koj feem ntau yuav them 20 feem pua ​​ntawm Medicare uas pom zoo rau Part B-kev pab cuam.

Nrog Medicare Advantage cov kev pab them nqi koj yuav muaj tus nqi qis dua-hnab tshos them tshaj qhov Medicare qub rau qee yam kev pab.

Cov kev txwv ib xyoos

Nrog tus thawj Medicare, nws tsis muaj qhov txwv txhua xyoo ntawm qhov siv hnab ris tawm.

Nrog Medicare Advantage cov kev pab them nqi muaj ib xyoos txwv tsis pub them rau cov kev pab them nqi them rau cov kev pab them los ntawm Medicare Tshooj A thiab Ntu B. Thaum koj ncav cuag koj cov phiaj xwm qhov nyiaj tsis txaus, koj yuav tsis muaj dab tsi tawm ntawm cov hnab tshos them rau cov kev pab uas Muaj Feem A thiab Tshooj B rau tas xyoo.

Cov Nyiaj Hwm

Nrog Medicare qub, koj them qhov nqi them txhua hli rau Tshooj B. Yog tias koj yuav Tshooj D, qhov nqi yuav raug them nyias.

Nrog Medicare Advantage, koj tuaj yeem them tus nqi them rau Tshooj B ntxiv rau qhov nqi them rau qhov phiaj xwm nws tus kheej.

Feem ntau ntawm Medicare Advantage cov kev npaj muaj xws li kev pab them tshuaj, qee qhov muab $ 0 hwm, thiab qee qhov yuav pab them tag nrho los yog ib feem ntawm koj Feem B.

Nqa Nyiaj

Medicare Advantage tsis hloov cov thawj Medicare. Hloov, Medicare Advantage yog lwm txoj kev xaiv rau Original Medicare. Ob txoj kev xaiv no muaj qhov sib txawv uas yuav ua rau ib qho kev xaiv zoo dua rau koj.

Txhawm rau pab nrog koj txoj kev txiav txim siab, koj tuaj yeem tau txais xov xwm ntxiv los ntawm:

• Medicare.gov
• 1-800 Medicare (1-800-633-4227)
• Koj lub xeev lub Xeev Pab Nyiaj Pab Nyiaj Kev Noj Qab Haus Huv (SHIPS)

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.