Puas Yog Raug Kev Khomob Los Ntawm Medicare?

Zoo Siab

• Kev tsim nyog tau txais Medicare
• Yog tias koj tsis teev npe tam sim ntawd
• Yog tias koj nyob rau kev lim ntshav
• Yog tias koj tau hloov raum
• Thaum qhov kev pab them nyiaj Medicare xaus lawm
• Kev pab lim ntshav thiab cov khoom siv uas them los ntawm Medicare
• Kev pab them nqi tshuaj
• Kuv yuav them dab tsi rau kev lim ntshav?
• Nqa Nyiaj

Medicare them rau lim ntshav thiab feem ntau cov kev kho mob uas cuam tshuam txog cov mob raum ntu kawg (ESRD) lossis raum tsis ua haujlwm.

Thaum koj ob lub raum ua haujlwm tsis zoo lawm, koj lub cev nkag rau hauv ESRD. Kev lim ntshav yog ib txoj kev kho mob los pab koj lub cev ua haujlwm los ntawm kev ntxuav koj cov ntshav thaum koj lub raum tsis ua haujlwm ntawm lawv tus kheej.

Nrog rau kev pab koj lub cev khaws cov nyiaj kom txaus thiab tswj ntshav siab, kev lim ntshav yuav pab tshem tawm cov khoom pov tseg, kua dej, thiab ntsev uas tsim hauv koj lub cev. Txawm hais tias lawv yuav pab koj nyob ntev dua thiab xis nyob dua, kev kho lim ntshav tsis yog txoj kev kho tau lub raum tsis ua haujlwm lawm.

Khaws nyeem kom kawm paub ntau ntxiv txog Medicare kev lim ntshav thiab kev pab them nqi kho mob, suav nrog kev tsim nyog thiab nqi.

Kev tsim nyog tau txais Medicare

Cov kev tsim nyog tau txais kev pab rau Medicare nws txawv yog tias koj qhov tsim nyog tau txais yog nce raws ESRD.

Yog tias koj tsis teev npe tam sim ntawd

Yog tias koj tsim nyog tau txais Medicare raws li ESRD tab sis tsis ncua koj lub sijhawm nkag, koj yuav tsim nyog rau kev pab them rov qab txog 12 lub hlis, thaum koj sau npe.

Yog tias koj nyob rau kev lim ntshav

Yog tias koj muaj npe tau txais kev pab hauv Medicare raws li ESRD thiab tam sim no koj tau lim ntshav, koj qhov kev pab them Medicare feem ntau pib hnub 1 ntawm kev kho lim ntshav 4 lub hli. Cov kev pov hwm tuaj yeem pib lub hli thib 1 yog tias:

• Thawj 3 lub hlis ntawm kev lim ntshav, koj koom nrog kev qhia txog kev lim ntshav hauv tsev ntawm qhov chaw Medicare-lees paub.
• Koj tus kws kho mob qhia tias koj yuav tsum kawm tiav kom koj thiaj li ua tau koj li kev kho lim ntshav.

Yog tias koj tau hloov raum

Yog tias koj tau mus pw hauv tsev kho mob-ntawv pov thawj Medicare rau kev hloov raum thiab hloov chaw nyob rau lub hlis ntawd lossis 2 hlis tom ntej, Medicare tuaj yeem pib lub hlis ntawd.

Kev pab them nqi Medicare tuaj yeem pib 2 lub hlis ua ntej koj qhov hloov ntshav yog hloov ntshav qeeb dua 2 hlis tom qab tau mus pw hauv tsev kho mob.

Thaum qhov kev pab them nyiaj Medicare xaus lawm

Yog tias koj tsuas tsim nyog tau txais Medicare vim yog mob raum tsis ua haujlwm lawm, koj cov kev pab yuav raug txiav:

• 12 lub hlis tom qab lub hlis txoj kev kho lim ntshav tau tso tseg
• 36 lub hlis tom qab lub hlis uas koj muaj lub raum hloov ntshav

Kev pab them nqi kho mob Medicare yuav rov pib dua yog tias:

• hauv 12 lub hlis tom qab lub hlis, koj tsum tsis pub lim ntshav, koj pib lim ntshav ntxiv lossis hloov raum
• hauv 36 lub hlis tom qab lub hlis uas koj tau txais lub raum koj tau tso lwm lub raum lossis pib lim ntshav

Kev pab lim ntshav thiab cov khoom siv uas them los ntawm Medicare

Qhov Medicare qub (Tshooj A kev fajseeb hauv tsev khomob thiab Tshooj B kev fajseeb khomob) suav txog ntau yam khoom siv thiab cov kev pabcuam uas xav tau rau lim ntshav, suav nrog:

• Kev kho mob lim ntshav hauv cov ntshav kuaj mob: them los ntawm Medicare Tshooj A
• Kev kho mob lim ntshav sab nrauv: kev pab them los ntawm Medicare Tshooj B
• Cov kev khomob rau kws khomob sab nrauv: them rau Medicare Tshooj B
• Kev qhia txog kev lim ntshav hauv tsev: pab them los ntawm Medicare Tshooj B
• cov khoom siv thiab lim ntshav hauv tsev: them los ntawm Medicare Tshooj B
• qee cov kev pab txhawb hauv tsev: them los ntawm Medicare Tshooj B
• feem ntau cov tshuaj rau hauv chaw kho mob thiab tom tsev raug tso ntshav: them los ntawm Medicare Tshooj B
• lwm cov kev pabcuam thiab khoom siv, xws li kuaj hauv tsev kawm: them rau Medicare Tshooj B

Medicare yuav tsum them cov nqi tsheb tos neeg mob mus thiab los ntawm koj lub tsev mus rau qhov chaw txhaj tshuaj zoo tshaj plaws yog tias koj tus kws kho mob sau ntawv qhia tias muaj ntawv kho mob.

Cov kev pab thiab cov khoom siv uas Medicare tsis suav nrog:

• them nyiaj rau cov neeg mob pab nrog tshuaj ntxuav tsev
• poob nyiaj thaum muaj kev qhia txog kev lim ntshav hauv tsev
• chaw pw thaum kho
• ntshav lossis cov ntshav liab rau cov ntshav hauv tsev (tshwj tsis yog suav nrog kws kho mob)

Kev pab them nqi tshuaj

Medicare Tshooj B npog cov tshuaj txhaj thiab cov leeg thiab tshuaj lom thiab lawv cov ncauj lus muab los ntawm cov chaw lim ntshav.

Ntu B tsis duav txog cov tshuaj uas muaj tsuas yog sau hauv tsab ntawv.

Medicare Tshooj D, uas yuav los ntawm lub tuam txhab kev tuav pov hwm kev kho mob pom zoo Medicare, muaj kev pab them tshuaj yuav tshuaj uas raws li koj txoj cai, feem ntau suav nrog hom tshuaj no.

Kuv yuav them dab tsi rau kev lim ntshav?

Yog tias koj tau lim ntshav tom qab tau mus pw hauv tsev kho mob, Medicare Tshooj A yuav them tus nqi.

Cov kev pab kho mob rau cov neeg mob sab nrauv tau them los ntawm Medicare Tshooj B.

Koj yog lub luag haujlwm rau cov nqi tuav pov hwm, qhov kev txiav tawm txhua xyoo, nyiaj them tus nqis, thiab nqi them:

• Qhov yuav txiav tawm txhua xyoo rau Medicare Tshooj A yog $ 1,408 (thaum nkag hauv tsev kho mob) hauv 2020. Qhov no suav txog thawj 60 hnub ntawm kev saib xyuas hauv tsev kho mob hauv lub sijhawm tau txais txiaj ntsig. Raws li Lub Chaw Pabcuam hauv Tebchaws Asmeskas rau Medicare & Medicare Cov Kev Pabcuam, kwv yees li 99 feem pua ​​ntawm cov neeg tau txais kev pabcuam Medicare tsis muaj kev them nqi rau Tshooj A.
• Hauv 2020, tus nqi them txhua hli rau Medicare Tshooj B yog $ 144.60 thiab qhov txiav tawm txhua xyoo rau Medicare Tshooj B yog $ 198. Thaum them cov nqi them thiab cov nqi txo, Medicare feem ntau them 80 feem pua ​​ntawm cov nqi thiab koj them 20 feem pua.

Txog kev qhia txog kev lim ntshav hauv tsev, Medicare feem ntau them tus nqi ncaj qha rau koj lub chaw lim ntshav los saib xyuas cov kev qhia lim ntshav hauv tsev.

Tom qab Phaj B B txhua xyoo raug txiav tawm tau, Medicare them 80 feem pua ​​ntawm tus nqi, thiab seem 20 feem pua ​​yog koj lub luag haujlwm.

Nqa Nyiaj

Feem ntau kev kho mob, suav nrog lim ntshav, uas cuam tshuam nrog cov mob raum thaum kawg (ESRD) lossis raum tsis ua haujlwm yog them los ntawm Medicare.

Cov ntsiab lus hais txog kev duav tau ntawm kev kho mob, kev pabcuam thiab khoom siv, thiab koj tus nqi koom tuaj yeem soj ntsuam nrog koj los ntawm pab neeg saib xyuas kev noj qab haus huv, uas suav nrog:

• cov kws kho mob
• kws saib xyuas neeg mob
• cov neeg ua haujlwm sib raug zoo
• lim ntshav ua cov kws kho

Yog xav paub cov ntaub ntawv ntau ntxiv xav mus xyuas Medicare.gov, lossis hu rau 1-800-MEDICARE (1-800-633-4227).

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.