Medicare puas yuav pab them cov nqi kho hniav?

Zoo Siab

• Dab tsi yog hniav cuav?
• Thaum twg Medicare them rau cov hniav cuav?
• Cov phiaj xwm Medicare twg thiaj yuav yog qhov zoo tshaj yog tias koj paub tias koj xav tau hniav looj?
• Medicare Tshooj A
• Medicare Tshooj B
• Medicare Tshooj C (Medicare Advantage)
• Medicare Tshooj D
• Medigap
• Dab tsi yog cov hnab nyiaj tawm ntawm hnab tshos rau cov hniav cuav yog tias koj muaj Medicare?
• Hnub kawg rau kev teev npe kawm Medicare
• Cov hnub Medicare tsis pub dhau
• Hauv qab kab

Raws li peb hnub nyoog, cov hniav lwj thiab cov hniav poob ntau dua li qhov koj xav. Hauv xyoo 2015, Asmeskas tau xiam tsawg kawg ib qho hniav, thiab ntau dua tau ploj tag nrho lawv cov hniav.

Hniav tsis taus tuaj yeem ua rau lwm qhov kev mob nkeeg, xws li kev noj zaub mov tsis zoo, qhov mob thiab txo tus kheej. Ib qho kev daws teebmeem yog cov hniav cuav, uas tuaj yeem pab txhim kho koj txoj kev noj qab haus huv hauv ntau txoj kev, suav nrog kev txhim kho koj lub peev xwm los zom koj cov zaub mov, muab kev txhawb nqa rau koj lub puab tsaig, tswj kev teeb tsa ntawm koj lub ntsej muag, thiab ua rau koj rov qab luag.

Original Medicare (Medicare Seem A) tsis them rau cov kev pab kho kaus hniav, uas suav nrog cov khoom siv kho hniav xws li cov hniav looj; txawm li cas los xij, lwm cov kev xaiv saib xyuas kev noj qab haus huv, xws li Medicare Advantage (Medicare Tshooj C) thiab cov ntawv tuav pov hwm hniav kho mob ib leeg yuav pab tau kom txo lossis txo koj cov nqi pheej yig rau cov hniav cuav.

Dab tsi yog hniav cuav?

Cov hniav cuav yog cov khoom cuav uas hloov cov hniav uas ploj lawm. Cov hniav cuav haum rau koj lub qhov ncauj, thiab lawv tuaj yeem hloov kho rau ob peb cov hniav uas ploj lawm lossis tag nrho koj cov hniav.

“Cov hniav cuav” tsuas hais txog cov hniav cuav uas tuaj yeem haum rau hauv koj lub qhov ncauj. Feem ntau, lawv tshem tau. Cov hniav cuav tsis zoo li kev cog hniav, txuas hniav, kaus mom, lossis txhaws hniav.

Thaum twg Medicare them rau cov hniav cuav?

Yog tias koj muaj kev mob nkeeg uas yuav tsum tau tshem tawm koj cov hniav, Medicare yuav muab qee qhov kev pab them rau cov hniav rho tawm. Tab sis thawj qhov Medicare tsis pab them cov hniav cuav ntawm ib hom, vim li cas los xij.

Yog tias koj them rau Medicare Tshooj C (Medicare Advantage) txoj kev npaj khomob, koj txoj kev npaj khomob tshwjxeeb yuav muab qee qhov kev khomob rau cov nqi kho hniav, suav nrog cov hniav cuav. Yog tias koj muaj Medicare Advantage, koj yuav tsum hu rau koj lub chaw muab kev pov hwm kom paub meej tias koj muaj kev tiv thaiv rau cov hniav cuav. Nug saib puas muaj qee yam qauv uas koj xav tau kom thiaj li tsim nyog tau txais qhov kev pab them nyiaj ntawd.

Cov phiaj xwm Medicare twg thiaj yuav yog qhov zoo tshaj yog tias koj paub tias koj xav tau hniav looj?

Yog koj paub tias koj yuav tsum muaj hniav cuav nyob rau xyoo no, koj yuav tau saib mus rau koj qhov kev tiv thaiv kev noj qab haus huv tam sim no seb koj puas yuav tau txais txiaj ntsig los ntawm hloov mus rau Medicare Advantage txoj cai. Cov ntawv tuav pov hwm hniav kho mob ib leeg kuj yuav pab ua kom tus nqi ntawm cov hniav cuav.

Medicare Tshooj A

Medicare Tshooj A (Medicare qub) pab them cov nqi pw tim tsev kho mob. Yog koj muaj mob uas yuav tsum tau mus cuag kws kho hniav thaum maj nrawm hauv tsev kho mob, tej zaum nws yuav duav tau nyob rau hauv Medicare Tshooj A. Kev kho hniav cuav lossis hniav cuav uas xav tau vim qhov kev phais ntawd tsis suav nrog qhov kev pov hwm ntawd.

Medicare Tshooj B

Medicare Tshooj B yog them rau cov kws kho mob lub sijhawm teem, kev tiv thaiv kev tiv thaiv, khoom siv kho mob, thiab cov txheej txheem sab nrauv. Li cas los xij, Medicare Tshooj B ua tsis tau npog cov kev pab kho kaus hniav, xws li kuaj hniav, ntxuav tu, xoo duab hluav taws xob, lossis cuab yeej kho hniav zoo li hniav cuav.

Medicare Tshooj C (Medicare Advantage)

Medicare Advantage (Tshooj C) yog ib hom kev pab them nqi kho mob Medicare muab los ntawm cov tuam txhab muag kev pov hwm ntiag tug. Cov phiaj xwm no yuav tsum tau them rau txhua yam Medicare npog. Qee zaum, lawv npog ntau dua. Nyob ntawm koj txoj kev pab them nqi, kho hniav yuav them rau thiab tej zaum yuav them ib feem los yog tag nrho cov nqi ntawm cov hniav cuav.

Medicare Tshooj D

Medicare Tshooj D npog cov tshuaj noj. Medicare Tshooj D yuav tseev kom muaj tus nqi them txhua hli thiab tsis suav nrog Medicare thawj. Phaj D tsis muaj kev pab them nqi kho hniav, txawm hais tias nws yuav them rau cov tshuaj qhov mob uas koj tau kho tom qab phais mob qhov ncauj.

Medigap

Cov phiaj xwm kho mob Medigap, kuj tseem hu ua Medicare cov phiaj xwm pabcuam ntxiv, tuaj yeem pab koj txo tus nqi ntawm Medicare npib, kev them nyiaj, thiab txo qis. Cov phiaj xwm Medigap tuaj yeem ua kom muaj Medicare pheej yig dua, txawm tias koj yuav tsum them tus nqi txhua hli rau cov phiaj xwm ntxiv.

Medigap tsis nthuav dav koj cov kev pab them nqi Medicare. Yog tias koj muaj Medicare li qub, ib tsab cai Medigap yuav tsis hloov qhov koj them tawm ntawm hnab tshos rau cov hniav cuav.

Medicare tsis them rau cov kev pab kho kaus hniav ib txwm. Tsuas muaj qee qhov kev zam tshwj xeeb:

• Medicare yuav them rau cov kev ntsuam xyuas qhov ncauj hauv tsev kho mob ua ntej lub raum hloov thiab lub plawv phais.
• Medicare yuav them rau cov kaus hniav thiab kaus hniav yog tias lawv pom tias tsim nyog los kho lwm qhov mob, uas tsis yog mob hniav.
• Medicare yuav them rau cov kev kho kaus hniav uas xav tau los ntawm kev kho mob qog noj ntshav.
• Medicare yuav them rau lub puab tsaig phais thiab kho raws li muaj lub cev raug mob.

Dab tsi yog cov hnab nyiaj tawm ntawm hnab tshos rau cov hniav cuav yog tias koj muaj Medicare?

Yog tias koj muaj Medicare thawj zaug, nws yuav tsis them ib qho nqi kho hniav. Koj yuav tsum them tag nrho cov nqi ntawm cov nqi kho hniav tawm hauv hnab tshos.

Yog tias koj muaj Medicare Advantage txoj kev npaj uas suav nrog kev pab them nqi kho hniav, qhov phiaj xwm ntawd yuav them rau ib feem ntawm cov nqi kho hniav. Yog tias koj paub tias koj xav tau cov hniav looj, xyuas cov phiaj xwm Advantage uas suav nrog cov hniav txhawm rau saib seb qhov kev pov hwm no suav nrog cov hniav cuav. Koj tuaj yeem tiv toj tus muab kev tuav pov hwm rau txhua txoj kev pab them nqi Medicare Advantage kom paub meej tias qhov kev pab them nqi twg duav tau.

Cov hniav cuav tuaj yeem them tus nqi txij li $ 600 txog ntau tshaj $ 8,000 nyob ntawm kev kho hniav zoo koj xaiv.

Koj kuj yuav tsum tau them nyiaj rau kev teem sijhawm kho hniav raws li kev soj ntsuam, kuaj mob, lossis teem sijhawm ntxiv uas koj muaj nrog kws kho hniav. Tshwj tsis yog koj muaj ntawv tuav pov hwm hniav kho mob ntxiv rau Medicare lossis muaj Medicare Advantage txoj kev pab them nqi uas suav nrog kev pab them nqi kho hniav, tag nrho cov no tawm ntawm hnab tshos, ib yam nkaus.

Yog tias koj yog tus tswvcuab ntawm lub koomhaum pab neeg ua haujlwm, koomhaum tshaj lij, koomhaum qub tub rog, lossis koomhaum rau cov neeg laus, koj yuav tsim nyog tau txais kev txo nqi nrog koj tus kws kho hniav. Hu rau koj tus kws kho hniav nug txog cov kev koom tes lossis qws txo nqi cov koom haum uas lawv yuav koom nrog.

Yog tias koj kwv yees tus nqi rau kev kho koj cov hniav thiab faib nws li 12, koj muaj qhov kwv yees ntxawg hais txog tias koj cov nqi kho hniav zoo li cas rau koj txhua hli. Yog tias koj tuaj yeem nrhiav kev tiv thaiv kho hniav uas raug nqi tsawg dua tus nqi ntawd, koj yuav txuag tau nyiaj hniav looj thiab kev teem kuaj hniav thoob plaws ib lub xyoo.

Hnub kawg rau kev teev npe kawm Medicare

Ntawm no yog cov hnub kawg tseem ceeb kom nco ntsoov rau Medicare Advantage thiab lwm qhov ntawm Medicare:

Cov hnub Medicare tsis pub dhau

Hauv qab kab

Qhov Medicare qub qub yuav tsis them cov nqi kho hniav. Yog tias koj paub tias koj xav tau kev cog hniav tshiab nyob rau xyoo tom ntej, koj cov kev xaiv zoo tshaj plaws yuav hloov mus rau Medicare Advantage txoj kev npaj uas muaj kev pab them nqi kho hniav nyob rau lub sijhawm tom ntej Medicare.

Lwm txoj kev xaiv los xav txog yog kev yuav is saws las kho hniav ntiag tug.

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.