Medicare puas npog Cov Ntshav Ntshav?

Zoo Siab

• Qhov twg hauv Medicare pab them cov kev kuaj ntshav?
• Txoj kev kuaj ntshav ntau npaum li cas?
• Medicare Tshooj A cov nqi
• Medicare Tshooj B cov nqi
• Medicare Advantage cov nqi
• Medigap nqi
• Kuv yuav mus kuaj rau qhov twg?
• Txoj kev kuaj ntshav sib txawv dab tsi?
• Dab tsi yog lwm yam kev sim nyob hauv chaw kuaj xyuas?
• Cov nqa mus

• Medicare pab them cov nqi kuaj mob tsim nyog kho mob los ntawm kws kho mob txiav txim raws li cov txheej txheem Medicare.
• Medicare Advantage (Tshooj C) cov phiaj xwm yuav duav tau cov kev ntsuam xyuas ntau ntxiv, nyob ntawm qhov phiaj xwm.
• Tsis muaj nqi sib txawv rau kev kuaj ntshav raws li Medicare thawj.
• Ib txoj kev pab them nyiaj ntxiv (Medigap) txoj kev npaj yuav pab nrog them cov nqi-ntawm-hnab tshos xws li txiav tawm.

Kev kuaj ntshav yog ib qho tseem ceeb uas cov kws kho mob siv los soj ntsuam txog cov kev pheej hmoo thiab soj ntsuam kev mob nkeeg. Nws yog txoj cai yooj yim los ntsuas seb koj lub cev ua haujlwm li cas thiab pom cov cim qhia ntxov.

Medicare npog ntau hom kev tso cai rau koj tus neeg saib xyuas kev noj qab haus huv los taug qab koj txoj kev noj qab haus huv thiab kuaj xyuas kev tiv thaiv kabmob. Cov kev pov hwm no tuaj yeem nyob ntawm qhov ua tau raws cov qauv Medicare-tsim los ntsuas.

Saib xyuas seb ntu twg ntawm Medicare npog kev kuaj ntshav thiab lwm yam kev kuaj mob.

Qhov twg hauv Medicare pab them cov kev kuaj ntshav?

Medicare Tshooj A muaj kev pab them cov nqi kuaj mob tsim nyog kho mob. Cov kev kuaj mob tuaj yeem txiav txim los ntawm tus kws kho mob rau lub tsev kho mob pw hauv tsev kho mob, cov neeg tu mob, cov tsev laus, kev noj qab haus huv hauv tsev, thiab lwm cov kev pab uas muaj feem.

Medicare Tshooj B pab them rau cov kev kuaj ntshav sab nrauv uas kws kho mob xaj kuaj nrog kev kuaj mob tsim nyog raws li cov cai tswj hwm Medicare. Piv txwv yuav ntsuas kev sim ntshav txhawm rau kuaj lossis tswj xyuas tus mob.

Medicare Advantage, los yog Tshooj C, cov phiaj xwm kuj tseem duav kev kuaj ntshav. Cov phiaj xwm no tseem yuav them rau cov kev sim ntxiv uas tsis them los ntawm Medicare thawj (tshooj A thiab B). Txhua lub phiaj xwm Medicare Advantage muaj cov txiaj ntsig sib txawv, yog li tshawb xyuas nrog koj qhov phiaj xwm txog kev kuaj ntshav tshwj xeeb. Kuj tseem txiav txim siab mus hauv kws kho mob koom nrog cov kws kho mob thiab kuaj ntshav kom tau txais txiaj ntsig ntau.

Medicare Tshooj D muab kev pab them tshuaj rau thiab tsis muaj kev kuaj ntshav.

Txoj kev kuaj ntshav ntau npaum li cas?

Tus nqi kuaj ntshav thiab lwm yam kev kuaj ntshav lossis kuaj ntshav kuaj tuaj yeem sib txawv. Tus nqi yog nce raws qhov kev kuaj xyuas tshwj xeeb, koj qhov chaw nyob, thiab kuaj sim siv. Kev sim tau tuaj yeem khiav los ntawm ob peb duas txog ntau txhiab nyiaj. Yog li ntawv nws yog ib qho tseem ceeb kom kuaj xyuas koj qhov kev kuaj mob ua ntej koj ua tiav.

Nov yog qee cov nqi kuaj ntshav uas koj tuaj yeem xav tau nrog sib txawv ntawm Medicare.

Medicare Tshooj A cov nqi

Nyob hauv tsev kho mob cov ntshav ua haujlwm los ntawm koj tus kws kho mob feem ntau them rau Medicare Part A. Txawm li cas los xij, koj tseem yuav tsum tau them qhov koj them ua ntej.

Xyoo 2020, Tshooj A uas txiav tawm tau yog $ 1,408 rau cov neeg tau txais txiaj ntsig feem ntau thaum lub sijhawm nyiaj pab. Lub sijhawm tau txais txiaj ntsig tsuas yog los ntawm hnub koj nkag hauv tsev khomob mus txog 60 hnub tom ntej. Nws tuaj yeem muaj ntau lub sijhawm tau txais txiaj ntsig hauv ib xyoos.

Medicare Tshooj B cov nqi

Medicare Tshooj B kuj tseem pab them cov kev kuaj ntshav rau cov mob uas yuav tsum tau kho. Koj yuav tsum tau ua raws qhov koj them txhua xyoo rau qhov kev pab them no. Thaum xyoo 2020, qhov txo tawm yog $ 198 rau cov neeg feem coob. Nco ntsoov, koj kuj yuav tsum them koj li nqi them Tshooj B txhua hli, uas yog $ 144,60 hauv 2020 rau cov neeg tau txais txiaj ntsig feem ntau.

Medicare Advantage cov nqi

Cov nuj nqis nrog Medicare Advantage txoj kev pab them nqi yog nyob ntawm tus kheej qhov phiaj xwm pab kho mob. Txheeb xyuas nrog lub phiaj xwm tshwj xeeb hauv koj thaj tsam hais txog feem yus them, cov nyiaj them tawm, thiab lwm cov nqi tawm ntawm hnab tshos.

Qee qhov phiaj xwm Medicare Advantage kuj tseem yuav muaj kev pab them ntau dua, yog li koj tsis tas them dab tsi hauv hnab tshos.

Medigap nqi

Cov kev npaj khomob Medigap (Medicare cov ntawv pov hwm ntxiv) tuaj yeem pab them qee cov nqi sab nrauv xws li cov nyiaj tau pajkasphais, nyiaj them tawm, lossis them nqi them kev tshuaj ntsuam dawb thiab lwm yam kev kuaj mob.

Txhua ntawm 11 daim hom phiaj ntawm Medigap muaj cov txiaj ntsig thiab nqi sib txawv, yog li tshawb nrhiav cov no kom zoo zoo kom pom tus nqi zoo tshaj plaws rau koj cov kev xav tau.

Muaj qee kis xwm txheej thaum ntsuas ntshav yuav siab dua li ib txwm muaj, suav nrog thaum:

• koj mus ntsib cov chaw muab kev pab lossis cov chaw kuaj ntshav uas tsis kam lees ua txoj haujlwm
• koj muaj Medicare Advantage txoj kev npaj thiab xaiv ib tus kws kho mob sab nraum lossis chaw kuaj mob
• koj tus kws kho mob xaj kuaj ntshav ntau dua li qhov tau them lossis yog qhov kev kuaj tsis them los ntawm Medicare (qee qhov kev ntsuas ntsuas tsis tau them yog tias tsis muaj cov cim lossis tsos mob ntawm tus kabmob lossis tsis muaj keeb kwm)

Medicare lub vev xaib muaj ib lub cuab yeej tshawb nrhiav koj tuaj yeem siv los nrhiav cov kws kho mob thiab kuaj ua haujlwm.

Kuv yuav mus kuaj rau qhov twg?

Koj tuaj yeem kuaj ntshav tau los ntawm ntau yam kev kuaj sim. Koj tus kws kho mob yuav qhia koj kom mus kuaj qhov twg. Tsuas yog xyuas kom lub chaw lossis tus kws khomob lees txais lub luag haujlwm.

Hom kev kuaj uas them los ntawm Medicare suav nrog:

• kws kho mob cov chaw haujlwm
• tsev kho mob cov chaw kuaj
• yus ua hauj lwm ywj siab
• chaw kuaj mob hauv tsev laus
• lwm qhov chaw kuaj ntshav

Yog tias koj tau txais lossis raug thov kos npe rau Daim Ntawv Qhia Ua Ntej Ua Haujlwm (ABN) los ntawm lub chaw kuaj lossis pabcuam, koj yuav raug them tus nqi rau cov kev pabcuam vim tias nws tsis duav. Nug cov lus nug txog koj lub luag haujlwm rau tus nqi ua ntej koj kos npe.

Txoj kev kuaj ntshav sib txawv dab tsi?

Cov phiaj xwm Medicare thiab Medicare Advantage qub tau them rau ntau yam kev kuaj mob thiab kuaj ntshav. Tej zaum nws yuav muaj kev txwv ntau npaum li cas Medicare yuav them rau qee qhov kev kuaj mob.

Koj tuaj yeem rov hais dua qhov kev txiav txim siab pab them nqi yog koj lossis koj tus kws kho mob xav tias yuav tsum tau ntsuas qhov kev kuaj mob. Qee qhov kev kuaj ntsuas ntshav, zoo ib yam li cov kev mob plawv, yog npog tag nrog tsis muaj txiaj ntsig lossis txiav tawm.

Nov yog qee yam ntawm cov xwm txheej uas ib txwm kuaj los ntawm kev kuaj ntshav thiab koj yuav ua tau npaum li cas rau lawv nrog Medicare:

• Mob Ntshav Qab Zib: ib xyoos ib zaug, lossis txog ob zaug hauv ib xyoos yog koj muaj feem ntau dua
• Kab mob hauv lub plawv: roj (cholesterol), lipids, triglycerides kuaj ib zaug txhua 5 xyoos
• HIV: ib xyoos ib zaug raws li kev pheej hmoo
• Kab mob siab (B thiab C): ib xyoos ib zaug nyob ntawm kev pheej hmoo
• Mob hnyuv loj: ib xyoos ib zaug
• Prostate cancer (PSA [prostate specific antigen] kuaj): ib xyoos ib zaug
• Cov kab mob kis los ntawm kev sib deev: ib xyoos ib zaug

Yog tias koj tus kws kho mob xav tias koj xav tau kev tshuaj xyuas ntau dhau vim qee qhov kev kuaj mob vim tias koj muaj feem phom sij, koj yuav tsum them rau kev kuaj ntau zaus. Nug koj tus kws kho mob thiab lub chaw kuaj ntshav yog xav paub ntxiv txog koj qhov kev kuaj mob tshwj xeeb.

Tej zaum nws yuav muaj txiaj ntsig muaj qhov phiaj xwm pabcuam ntxiv rau kev ntsuam xyuas ntau zaus. Koj tuaj yeem mus rau Medicare Medigap txoj cai website rau cov ntaub ntawv ntawm tag nrho cov phiaj xwm xyoo 2020 thiab muaj dab tsi. Koj tuaj yeem hu ncaj qha rau txoj kev npaj khomob kom tau txais kev qhia ntxiv.

Dab tsi yog lwm yam kev sim nyob hauv chaw kuaj xyuas?

Medicare Tshooj B npog ntau yam mob sab nrauv kws kho mob kev txiav txim siab kuaj mob xws li mob txeeb zig, kuaj qhov nqaij me, thiab kuaj ntsuas. Tsis muaj nqi them rau cov kev xeem no, tab sis koj cov nqi txo tseem siv.

Piv txwv ntawm cov ntawv ntsuam xyuas suav nrog:

* Medicare npog cov kev kuaj mob qog mis ntau dua yog koj tus kws kho mob xaj. Koj yog lub luag haujlwm rau 20 feem pua ​​tus nqi them ua haujlwm.

Lwm txoj kev kuaj mob tsis raug kuaj mob Medicare npog yuav suav nrog xoo duab, PET scans, MRI, EKG, thiab CT scan. Koj yuav tsum them koj 20 feem pua ​​npib them nqi suav nrog koj qhov nqi them thiab lwm cov nqi them. Nco ntsoov mus rau cov kws kho mob uas lees paub txoj haujlwm kom zam kev them nqi Medicare yuav tsis pab them.

• Medicare muaj ib qho cuab yeej uas koj tuaj yeem siv los kuaj xyuas cov kev ntsuam xyuas twg yog them.
• Koj kuj mus tau rau ntawm no txhawm rau saib los ntawm cov npe ntawm cov kev kuaj mob los ntawm Medicare.
• Ntawm no yog cov npe ntawm cov lej (Code) thiab cov kev sim uas Medicare ua tsis tau npog. Ua ntej kos npe rau ABN, nug txog tus nqi ntsuas thiab khw ncig. Tus nqi sib txawv los ntawm tus muab kev pab thiab thaj chaw.

Cov nqa mus

Medicare pab them rau ntau yam kev kuaj ntshav sib xws uas xav tau los ntsuas thiab tswj hwm cov kev noj qab haus huv tsuav yog kuaj mob. Nov yog ob peb lub tswv yim kawg yuav tau xav txog:

• Nug koj tus kws kho mob rau cov lus qhia txog koj ib qho kev kuaj ntshav thiab seb yuav npaj li cas (yog tias koj yuav tsum lossis tsis noj ua ntej, thiab lwm yam).
• Mus ntsib cov muab kev kho mob uas lees txais kev tso cai kom zam txhob them tus nqi ntawm hnab tshos rau cov kev pab them
• Yog tias koj muaj mob uas yuav tsum tau kuaj xyuas ntau zaus, xav txog ib txoj kev pabcuam ntxiv xws li Medigap kom pab nrog tawm cov nqi hauv hnab nyiaj.
• Yog tias qhov kev pab ntawd tsis raug them, xyuas nyob ib puag ncig kom pom tus muab kev pabcuam qis-nqi qis.

Nyeem kab lus no ua lus Mev