Laum Tawm: Puas Medicare Them Kho Hniav?

Zoo Siab

• Thaum twg cov kev pab kho hniav duav tau los ntawm Medicare thawj zaug?
• Medicare Advantage (Tshooj C) thiab kev pab them nqi kho hniav
• Cov Medigap puas yuav pab them cov nqi kho hniav?
• Tus nqi kuaj hniav hauv ib nrab tus nqi li cas?
• Hom phiaj xwm Medicare twg thiaj yog qhov zoo tshaj rau koj yog koj paub tias koj xav tau kev pab kho kaus hniav?
• Muab piv rau Medicare cov kev pab them nqi kho hniav
• Lwm cov kev xaiv them nqi kho hniav
• Vim li cas nws thiaj tseem ceeb kom nrhiav kev tiv thaiv hniav zoo thaum koj loj dua
• Hauv qab kab

Qhov Medicare qub A (kev kho mob hauv tsev kho mob) thiab B (kev kho mob) tsis yog suav nrog kev pab them nqi. Qhov no txhais tau tias yog qhov qub (lossis “qub”) Medicare tsis them rau cov kev khomob niaj hnub xws li kuaj hniav, ntxuav hniav, rho hniav, txhaws hniav, kaus hniav, kaus hniav, thiab choj.

Medicare seem A thiab B kuj tsis them rau cov khoom kho hniav xws li daim hlau, lo hniav looj, cov cuab yeej siv, lossis cov chaw khaws cia.

Txawm li cas los xij, qee qhov Medicare Advantage cov phiaj xwm, tseem hu ua Medicare Part C cov phiaj xwm, kuj suav nrog kev pab them rau. Txhua lub phiaj xwm muaj cov nqi sib txawv thiab cov ntsiab lus hais txog yuav siv tau cov txiaj ntsig zoo li cas.

Nyeem ntxiv kom paub ntau ntxiv txog koj cov kev pab them nqi kho hniav los ntawm Medicare.

Thaum twg cov kev pab kho hniav duav tau los ntawm Medicare thawj zaug?

Thaum Medicare thawj zaug feem ntau tsis them rau kev kho kaus hniav, nws muaj qee qhov tshwj tseg. Yog koj xav tau kev kho kaus hniav vim tias muaj mob lossis raug mob uas yuav tsum tau pw hauv tsev kho mob, tej zaum yuav pab them cov nqi kho hniav.

Piv txwv li, yog tias koj poob thiab pob muag koj lub puab tsaig, Medicare los kho cov pob txha hauv koj lub puab tsaig.

Qee cov txheej txheem kho hniav nyuaj puav leej them rau yog tias lawv tau ua hauv tsev kho mob, tab sis txawm tias lawv tau them los ntawm Ntu A los yog Tshooj B yuav txiav txim los ntawm leej twg muab kev pab.

Medicare kuj tseem tuaj yeem them cov nqi khomob rau koj yog tias koj xav tau kev pab kho hniav vim yog mob qog noj ntshav lossis mob lwm yam mob.

Ib qho ntxiv, Medicare yuav them rau kev rho tawm hniav yog tias koj cov kws kho mob xav tias nws tsim nyog tshem tawm hniav ua ntej kev phais plawv, kho hluav taws xob, lossis qee cov txheej txheem them.

Medicare Advantage (Tshooj C) thiab kev pab them nqi kho hniav

Medicare Advantage cov kev pab them nqi yog muab los ntawm cov tuam txhab tuav pov hwm ntiag tug uas tau pom zoo los ntawm Medicare. Cov phiaj xwm no yog lwm txoj kev siv rau Medicare qub. Lawv feem ntau them rau cov kev pabcuam uas tsis duav los ntawm Medicare feem A thiab B.

Nrog hom kev npaj kho mob no, koj yuav tsum tau them tus nqi txhua hli lossis qhov them ua ntej. Koj kuj yuav tsum tau kuaj xyuas seb koj tus kws kho hniav puas nyob hauv txoj kev pab them nqi kho mob koom nrog kom pab them rau nws.

Muaj ob peb txoj hauv kev los kuaj kom paub meej yog tias ib qho phiaj xwm Medicare Advantage tshwj xeeb pab them rau kev kho kaus hniav. Medicare muaj Qhov Nrhiav Qhov Phiaj Xwm Medicare Plan uas qhia rau koj tag nrho cov phiaj xwm muaj nyob hauv koj thaj chaw thiab lawv npog dab tsi, suav nrog yog them rau kho kaus hniav. Ntau lub Hom phiaj Cov Kev Pab muaj cov txiaj ntsig kho hniav.

Txhawm rau txiav txim siab tias koj qhov Medicare Part C tam sim no muaj kev pab them nqi kho hniav, koj tuaj yeem tham nrog tus sawv cev los ntawm lub chaw them nyiaj lossis nyeem cov ncauj lus kom ntxaws uas muaj nyob hauv cov ntawv pov thawj Kev Pov Hwm (EOC) uas koj tau txais thaum koj nkag rau hauv txoj kev npaj.

Cov Medigap puas yuav pab them cov nqi kho hniav?

Feem ntau, Medigap kev pab them nqi pab koj them rau feem yus them them yus cov feem yus them ua ke thiab txo feem cuam tshuam nrog cov kev pabcuam uas Medicare thawj. Feem ntau, Medigap tsis kam them rau cov kev pab ntxiv xws li kev kho hniav.

Tus nqi kuaj hniav hauv ib nrab tus nqi li cas?

Nyob ntawm seb koj nyob qhov twg, kev tu hniav thiab kuaj hniav txhua xyoo yuav raug nqi li ntawm $ 75 txog $ 200. Tus nqi ntawd yuav siab dua yog tias koj xav tau kev tu kom deb lossis xoo hluav taws xob.

Hom phiaj xwm Medicare twg thiaj yog qhov zoo tshaj rau koj yog koj paub tias koj xav tau kev pab kho kaus hniav?

Vim tias feem ntau cov kev pab kho hniav thiab cov khoom siv tsis them los ntawm Medicare Tshooj A thiab Tshooj B, Yog tias koj paub tias koj yuav xav tau kev kho kaus hniav nyob rau xyoo tom ntej, Medicare Advantage (Tshooj C) txoj kev npaj yuav yog qhov kev xaiv zoo.

Thaum koj tau txiav txim siab, nco ntsoov txiav txim siab txog koj li kev xav tau yav tom ntej thiab koj tsev neeg keeb kwm kev kho hniav. Yog tias koj xav tias muaj qhov tuaj yeem koj yuav xav tau cog hniav lossis hniav cuav yav tom ntej, cuam tshuam rau koj kev txiav txim siab ib yam nkaus.

Muab piv rau Medicare cov kev pab them nqi kho hniav

Lwm cov kev xaiv them nqi kho hniav

Koj kuj tseem yuav tau xav txog kev pov hwm them nqi kho hniav sab nraum Medicare. Koj yuav muaj kev xaiv, xws li:

• Kev tuav pov hwm kho hniav nyob ib leeg. Cov phiaj xwm no xav kom koj them tus nqi tuav pov hwm sib txawv.
• Tus txij nkawm lossis tus khub cov neeg ua haujlwm txhawb nqa kev tuav pov hwm. Yog tias nws muaj peev xwm teev npe rau kev pov hwm them nqi nyob rau hauv tus txij nkawm txoj kev pab them nqi kho hniav, uas tej zaum yuav tsis tshua kim dua.
• Kho hniav hauv ib pab pawg. Cov no tsis muab kev tuav pov hwm, tab sis lawv tso cai cov tswv cuab kom tau txais kev kho hniav tsawg tus nqi.
• Medicaid. Nyob ntawm lub xeev koj nyob thiab koj li nyiaj txiag, koj yuav tsim nyog tau txais kev kho hniav los ntawm Medicaid.
• PHAJ. Nov yog ib qhov kev pab cuam uas tuaj yeem pab koj kom tau txais kev saib xyuas mob nkeeg hauv koj lub zej zog, suav nrog kev kho hniav.

Vim li cas nws thiaj tseem ceeb kom nrhiav kev tiv thaiv hniav zoo thaum koj loj dua

Kev kho hniav zoo yog qhov tseem ceeb rau kev tswj hwm koj txoj kev noj qab haus huv tag nrho. Kev ntxuav hniav tsis huv tau txuas rau kev mob voos, ntshav qab zib, mob plawv, thiab lwm yam kev mob nkeeg.

Thiab kev tshawb fawb kuj tau qhia tias qee zaum qee tus neeg tsis saib xyuas kev kho hniav thaum lawv loj dua, feem ntau vim tias kev kho hniav tuaj yeem kim.

Lub National Institute of Dental and Craniofacial Research tau tshawb pom tias 23 feem pua ​​ntawm cov neeg laus tsis tau mus kuaj hniav li 5 xyoos dhau los. Tus lej ntawd yog qhov ntau tshaj ntawm cov neeg Asmeskas Dub thiab Neeg Hispanic thiab ntawm cov neeg tau nyiaj qis dua.

Ib qhov kev tshawb fawb thoob teb chaws hauv lub xyoo 2017 tau qhia tias tus nqi yog qhov laj thawj uas tib neeg tsis nrhiav kev pab hauv kev kho lawv cov hniav. Txawm li ntawd los zoo tiv thaiv kev tu mob tuaj yeem pab koj kom zam dhau qhov teeb meem kaus hniav ntau ntxiv nyob rau yav tom ntej.

Vim li ntawd, nws yog lub tswv yim zoo kom txiav txim siab cov phiaj xwm pheej yig uas yuav them rau cov kev kho hniav koj xav tau thaum koj laus dua.

• Kauj ruam 1: Xam txog kev tsim nyog. Yog tias koj muaj ib tus neeg hlub uas tsis pub dhau 3 lub hlis txij li 65 xyoo, lossis tus neeg muaj mob xiam oob qhab lossis mob raum ntu kawg, tej zaum lawv yuav tsim nyog rau Medicare pab them nqi kho mob.
• Kauj ruam 2: Tham txog lawv cov kev xav tau. Nov yog qee qhov yuav tau txiav txim siab thaum txiav txim siab seb koj puas xav xaiv qhov Medicare qub lossis phiaj xwm Medicare Advantage:
  • Nws tseem ceeb npaum li cas los khaws lawv cov kws kho mob tam sim no?
  • Lawv noj tshuaj dab tsi?
  • Lawv yuav xav tau kev pab kho kaus hniav thiab kho qhov muag npaum li cas?
  • Lawv tuaj yeem tau them ntau npaum li cas rau cov nqi them txhua hli thiab lwm yam nqi?

• Kauj ruam 3: Nkag siab txog tus nqi txuam nrog kev ncua cuv npe. Yog koj txiav txim siab tsis xee npe rau tus neeg koj hlub rau Ntu B lossis Tshooj D, koj yuav tsum tau them kev nplua lossis cov nqi ntau dua tom qab.
• Kauj ruam 4: Txuas mus xyuas ssa.gov mus sau npe. Koj feem ntau tsis tas yuav muaj ntaub ntawv, thiab tag nrho cov txheej txheem yuav siv sijhawm 10 feeb.

Hauv qab kab

Saib xyuas koj cov hniav thiab pos hniav kom zoo thaum koj hnub nyoog yog qhov tseem ceeb rau kev tswj hwm koj kev noj qab haus huv lub cev.

Original Medicare feem A thiab B tsis them nyiaj rau cov kev pab kho kaus hniav, suav nrog kev tshuaj xyuas ib txwm, rho hniav, kho kaus hniav, thiab lwm cov kev pab kho hniav. Lawv kuj tsis them rau cov khoom kho hniav xws li cov hniav looj thiab hniav.

Muaj qee yam kev zam, tab sis yog: Yog koj xav tau kev kho hniav nyuaj, lossis yog koj xav tau kev pab kho kaus hniav vim tias muaj kev mob lossis kev raug mob, Medicare yuav them rau koj cov nqi kho mob.

Ntau qhov kev pab Medicare Advantage (Tshooj C) muaj kev pab them nqi kho hniav, tab sis koj yuav tsum them tus nqi txhua hli lossis siv kws kho hniav sib koom tes txhawm rau txhawm rau kom tau txais kev pov hwm.

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