Puas Medicare Cov Luv Npe Tiv Thaiv?

Zoo Siab

• Medicare puas siv tsom iav qhov muag?
• Kev Pab Them Medicare Tshooj B
• Qhov C them
• Cov nqi thiab lwm yam kev xaiv khaws nyiaj
• Lus qhia txog kev nyab xeeb rau looj cov iav ntsiab muag
• Cov nqa mus

• Thawj qhov Medicare tsis them nyiaj rau cov tsom iav qhov muag feem ntau.
• Qee qhov phiaj xwm Medicare Advantage tuaj yeem muab cov kev pab cuam kho qhov muag.
• Muaj qee kis (xws li tom qab phais mob tawm pob qa), Medicare yuav them rau cov nqi chwv tsom qhov muag.

Thawj qhov Medicare pab them cov nqi kho mob thiab tsev kho mob, tab sis tsis pom kev, kho hniav, thiab kho pob ntseg feem ntau tsis them rau. Qhov no txhais tau tias tej zaum koj yuav tsis tau txais kev pab nyiaj los ntawm Medicare thaum nws them rau koj cov looj tsom iav. Txawm li cas los xij, muaj qee qhov kev zam, tshwj xeeb tshaj yog thaum koj muaj Medicare Advantage.

Medicare puas siv tsom iav qhov muag?

Thaum Medicare pab them qee cov kev pab cuam kho qhov muag, nws tsis tshua them rau kuaj qhov muag lossis tsom iav. Qee cov kev pabcuam kho qhovmuag kho mob Medicare thawj (feem A thiab B) yuav suav nrog:

• kuaj kab mob ntsws ntev xyoo rau cov neeg uas muaj kev pheej hmoo siab (nrog rau cov neeg mob ntshav qab zib lossis tsev neeg keeb kwm ntawm lub ntsej muag daj ntseg)
• kev kuaj mob ib xyoos ib zaug txhawm rau ntsuas kab mob ntshav qab zib ua rau cov neeg muaj ntshav qab zib
• cataract phais
• kev kuaj mob lossis kev kuaj mob rau macular degeneration

Kev Pab Them Medicare Tshooj B

Medicare Tshooj B yog ib feem ntawm Medicare uas them rau feem ntau cov kev kho mob, xws li kev mus ntsib kws kho mob, cov khoom siv kho mob ntev, thiab cov kev pab tiv thaiv. Feem ntau tsis yog looj tsom iav.

Txawm li cas los xij, muaj ib qho kev zam. Yog tias koj muaj kev phais mob tawm pob qij txha, Medicare Ntu B yuav them rau ib khub tsom iav qhov muag tom qab koj phais tas.

Thaum koj muaj kev phais mob cataract, koj tus kws kho mob qhov muag yuav ntxig lub koob yees duab sab hauv, uas qee zaum tuaj yeem hloov kho koj lub zeem muag. Yog li ntawd, koj yuav xav tau tsom iav tshiab lossis tsom iav los kho koj lub zeem muag. Txawm tias koj coj tsom iav twb, koj puas yuav xav tau daim ntawv yuav tshuaj tshiab.

Nws yog ib qho tseem ceeb kom paub tias Medicare yuav them rau rau cov tsom iav tshiab tom qab txhua qhov kev phais mob cataract nrog lub teeb ci tso hauv qhov muag. Feem ntau, cov kws kho qhov muag tsuas ua phais ib qho ntawm qhov muag ib zaug. Yog tias koj muaj kev phais kom kho qhov muag thib ob, koj tuaj yeem tau txais lwm daim tsom iav rau lub sijhawm ntawd.

Txawm li cas los xij, txawm hais tias qhov xwm txheej no, qhov kev sib tiv tauj lo ntsiab muag tsis tau ywj pheej. Koj yuav tsum them 20 feem pua ​​ntawm cov Medicare uas pom zoo, thiab koj feem B feem cuam them ua ke siv.

Thiab, koj yuav tsum paub tseeb tias koj xaj kev sib cuag los ntawm cov chaw muag khoom uas pom zoo Medicare. Yog tias koj ib txwm xaj koj cov tsom iav qhov muag los ntawm ib tus xa khoom, nco ntsoov nug yog lawv txais Medicare. Yog tias tsis yog, koj yuav tsum nrhiav tus xa tawm tshiab.

Qhov C them

Medicare Advantage los yog Medicare Tshooj C yog lwm txoj hauv kev rau Medicare qub uas sib sau ua ke Tshooj A thiab Tshooj B. Kom nyiam cov neeg siv, ntau lub phiaj xwm Medicare Advantage yuav muab kev kho hniav, kho pob ntseg, kho qhov muag, thiab tseem muaj txiaj ntsig kev noj qab haus huv.

Cov phiaj xwm Medicare Advantage tuaj yeem sib txawv nyob rau hauv qhov kev pab them nqi kho qhov muag uas lawv muab. Raws li kev tshawb fawb xyoo 2016, cov uas tau txais Medicare Advantage tsis pom kev zoo tseem them rau 62 feem pua ​​ntawm cov nqi sab nraum zoov rau kev kho qhov muag.

Piv txwv ntawm cov kev pab Medicare Advantage cov kev npaj yuav suav nrog hais txog lub zeem muag suav nrog:

• kev mus kuaj qhov muag
• kev kuaj mob rau cov ntas uas haum lossis cov tsom iav nqa
• cov nqi lossis nyiaj them rau cov iav lossis cov tsom iav qhov muag

Medicare Advantage cov kev npaj feem ntau yog thaj tsam tshwj xeeb vim tias ntau tus neeg koom nrog kev siv cov koom hauv. Txhawm rau tshawb xyuas cov phiaj xwm muaj nyob hauv koj thaj chaw, mus saib Medicare.gov's Nrhiav Medicare Plan cov cuab yeej.

Yog tias koj pom txoj phiaj xwm uas koj xav tau, nyem rau lub pob “Cov phiaj xwm Qhia”, thiab koj yuav pom cov npe txog cov txiaj ntsig, suav nrog kev pab them kho qhov muag. Feem ntau, koj yuav tsum tau yuav koj cov neeg los ntawm ib tus muab kev pab cuam nyob hauv cov network kom ntseeg tau tias daim phiaj yuav them rau lawv.

Cov nqi thiab lwm yam kev xaiv khaws nyiaj

Tus nqi nruab nrab ntawm cov tsom iav sib txawv tuaj yeem sib txawv. Tiv tauj ntau hauv cov yam ntxwv los ntawm cov lo ntsiab muag niaj hnub (uas kim dua) rau cov uas kho astigmatism lossis ua bifocals. Thawj khub ntawm cov iav muag muag uas koj hloov txhua 2 lub lis piam feem ntau raug nqi li $ 22 txog $ 26 rau ib lub thawv ntawm rau khub. Thaum koj xav txog cov nqi ib qhov muag, koj feem ntau yuav siv li $ 440 txog $ 520 rau cov iav ntsiab muag ib leeg hauv ib lub xyoo.

Koj tseem yuav them nyiaj rau cov khoom siv uas pab koj saib xyuas koj cov neeg sib cuag. Cov no tuaj yeem suav cov teeb meem tiv tauj, cov ntsiab muag tsom iav, thiab lub qhov muag yog tias koj muaj qhov muag qhuav.

Peb yuav ua ncaj: Nws yog qhov nyuaj dua me ntsis kom tau txais kev pab them rau cov neeg sib piv piv rau cov tsom iav thaum koj xav tau kev xav pom. Vim tias tsom iav siv sijhawm ntev dua los ntawm kev sib cuag thiab tuaj yeem siv thiab rov qab siv los ntawm cov khoom pub khoom muaj ntau lub koomhaum uas tuaj yeem pab koj kom tau ib lub tsom iav dawb lossis luv nqi. Txawm li cas los xij, koj tuaj yeem txuag nyiaj ntawm koj cov neeg los ntawm cov hauv qab no:

• Xaj online. Ntau lub khw muag tsom teeb hauv online muaj cov nqi txuag nyiaj piv rau kev txiav txim ntawm lub khw muag khoom. Tsuas yog xyuas kom koj tau siv lub koob npe nrov hauv online. Koj kuj tuaj yeem nug koj lub khw muag khoom muag ntawm kev xaiv yog tias lawv yuav phim cov nqi online.
• Yuav cov khoom lag luam xa tuaj txhua xyoo. Txawm hais tias muaj qhov tsis txaus nyob rau pem hauv ntej, yuav ib qho kev sib cuag txhua xyoo feem ntau muab tus nqi qis kawg thaum kawg. Qhov no yog qhov tseeb tshwj xeeb tshaj yog thaum xaj los ntawm cov khw muag khoom online.
• Kuaj rau hauv qhov muaj feem tau txais Medicaid. Medicaid yog tsoomfwv thiab lub xeev txoj kev sib koom tes uas muab kev pab nyiaj rau ntau yam nqi kho mob, suav nrog kev kuaj qhov muag thiab cov iav qhov muag. Kev tsim nyog tau txais yog feem ntau nyiaj tau los, thiab koj tuaj yeem tshawb xyuas koj qhov muaj cai lossis kawm seb yuav thov li cas hauv Medicaid lub vev xaib.

Lus qhia txog kev nyab xeeb rau looj cov iav ntsiab muag

Thaum koj tau txais koj tus neeg, nws yog qhov tseem ceeb uas koj siv lawv raws kev qhia. Hnav lawv ntev dua li kev pom zoo tuaj yeem ua rau muaj kev phom sij rau qhov muag, uas tuaj yeem siv nyiaj ntau los kho thiab mob.

Cov nqa mus

• Original Medicare yuav tsis them rau qhov tsom iav qhov muag tshwj tsis yog koj nyuam qhuav raug phais tawm.
• Medicare Advantage cov kev npaj yuav muab kev pab kho qhov muag uas them rau txhua lossis ib feem ntawm koj cov neeg tiv toj.
• Yog tias koj tsim nyog, Medicaid kuj yuav pab them rau koj cov iav ntsiab muag zoo ib yam.

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.

Nyeem kab lus no ua lus Mev