Puas Medicare Them Kws Kho Mob qhov Mus Ntsib?

Zoo Siab

• Thaum twg Medicare them rau kws kho mob mus ntsib?
• Qhov twg hauv Medicare them cov nqi mus ntsib kws kho mob?
• Thaum twg Medicare tsis them rau kev mus ntsib kws khomob?
• Cov nqa mus

Medicare Tshooj B npog ntau yam kev mus ntsib kws kho mob, suav nrog teem sijhawm kho mob thiab tiv thaiv kab mob. Txawm li cas los xij, dab tsi uas tsis duav tau yuav ua rau koj xav tsis thoob, thiab cov kev xav tsis thoob tuaj yeem tuaj nrog cov nqi ntau.

Nov yog yam koj yuav tsum paub txog kev tiv thaiv thiab cov nqi - ua ntej koj sau npe rau kev mus ntsib kws kho mob tom ntej.

Thaum twg Medicare them rau kws kho mob mus ntsib?

Medicare Tshooj B npog 80 feem pua ​​ntawm cov nqi Medicare pom zoo them rau cov kws kho mob yuav tsum mus ntsib.

Qhov no suav nrog kev pabcuam rau cov neeg mob sab nrauv uas koj tau txais hauv koj tus kws kho mob lub chaw haujlwm lossis hauv chaw kuaj mob. Nws kuj tseem muaj qee qhov kev pab kho mob rau hauv tsev kho mob. Txhawm rau kom tau txais kev pab them nqi, koj tus kws kho mob lossis tus neeg muab tshuaj kho mob yuav tsum tau ntawv pom zoo Medicare thiab lees txais txoj haujlwm.

Medicare Tshooj B tseem them 80 feem pua ​​ntawm Medicare tus nqi pom zoo rau kev tiv thaiv koj tau txais los ntawm koj tus kws kho mob lossis lwm tus kws kho mob. Qhov no suav nrog kev teem caij muaj kev noj qab haus huv, xws li kev kuaj xyuas txhua xyoo lossis 6-hlis.

Koj qhov yuav tsum tau them tawm txhua xyoo ua ntej Medicare yuav them rau tag nrho 80 feem pua ​​ntawm cov kws kho mob tau mus ntsib. Thaum xyoo 2020, qhov txiav tawm rau Ntu B yog $ 198. Qhov no sawv cev nce ntxiv ntawm $ 13 los ntawm qhov tawm xyoo ntawm $ 185 hauv 2019.

Cov kev pab tiv thaiv yuav them rau tag nrho Medicare, txawm hais tias qhov koj them tsis tau them ua ntej.

Medicare yuav them rau cov kws kho mob yog tias koj tus kws kho mob yog kws kho mob (MD) lossis tus kws kho mob tshuaj kho pob txha (DO). Feem ntau, lawv kuj yuav duav tau cov kev kho mob tsim nyog lossis tiv thaiv kev saib xyuas los ntawm:

• saib mob hlwb
• cov neeg saib xyuas cov neeg ua haujlwm
• tus kws tshaj lij ua haujlwm
• hais lus lus pathologist
• kws saib xyuas neeg mob
• cov kws saib xyuas neeg mob
• kws pab kho mob
• kws saib xyuas lub cev

Qhov twg hauv Medicare them cov nqi mus ntsib kws kho mob?

Medicare Tshooj B npog cov kev mus ntsib kws kho mob. Yog li ua Medicare Advantage cov phiaj xwm, tseem hu ua Medicare Tshooj C.

Medigap ntawv pov hwm ntxiv them rau qee yam, tab sis tsis yog txhua yam, kev mus ntsib kws kho mob uas tsis duav tau los ntawm Ntu B lossis Ntu C. Piv txwv li, Medigap yuav them rau qee cov nqi cuam tshuam nrog chiropractor lossis kws kho pob txha, tab sis nws yuav tsis them rau kev kho mob lossis kho hniav.

Thaum twg Medicare tsis them rau kev mus ntsib kws khomob?

Medicare tsis pab them rau qee cov kev khomob uas koj tuaj yeem xav txog kev tiv thaiv lossis kev khomob uas yuav tsum tau kho. Txawm li cas los xij, muaj qee zaum yuav zam rau txoj cai no.

Yog muaj lus nug txog koj li kev pab them kho mob Medicare, hu rau Medicare tus xov tooj pab cuam cov neeg siv xov tooj ntawm 800-633-4227, lossis mus saib hauv Xeev qhov kev pab cuam pab kas phais pov hwm kev noj qab haus huv (SHIP) lossis hu rau 800-677-1116.

Yog tias koj tus kws kho mob qhia rau Medicare paub tias kev kho mob yog qhov tsim nyog kho mob, nws yuav them rau qee feem lossis tag nrho. Muaj qee kis, koj yuav raug ntxiv cov nqi kho mob uas tus kws kho mob muab tshuaj kho mob. Nco ntsoov kuaj ua ntej koj xav tias Medicare yuav lossis yuav tsis them.

Lwm yam xwm txheej uas Medicare yuav tsis them rau kev teem sijhawm kho mob suav nrog cov hauv qab no:

• Medicare yuav tsis pab them cov sij hawm teem ntsib nrog tus kws kho pob ntseg rau cov kev pab cuam xws li pob kws lossis tshem tawm lossis ua kom zoo nkauj.
• Qee zaum Medicare yuav them cov nqi kho mob los ntawm kws kho qhov muag. Yog tias koj muaj ntshav qab zib, mob qog ntshav, lossis lwm yam mob uas yuav tsum kuaj qhov muag niaj xyoo, Medicare yuav them rau cov tau teem ntawd. Medicare tsis pab them cov kws kho qhov muag kom pom kev pauv tsom iav qhov muag.
• Original Medicare (ntu A thiab B) tsis duav txog kev pab kho kaus hniav, tab sis qee cov phiaj xwm Medicare Advantage ua. Yog koj muaj kev kho hniav kub ceev ceev hauv tsev kho mob, Tshooj A tej zaum yuav duav qee tus nqi.
• Medicare tsis them rau cov tshuaj naturopathic, xws li acupuncture. Qee qhov phiaj xwm Medicare Advantage muaj cov phiaj xwm kho mob.
• Medicare tsuas them rau cov kev kho mob chiropractic, xws li tswj hwm tus txha caj qaum, rau ib qho mob uas paub tias mob txha caj qaum. Txhawm rau kom ntseeg tau cov kev pov hwm, koj yuav tsum tau kuaj mob raug cai los ntawm tus kws saib xyuas zoo thiab tsim nyog. Medicare Advantage cov kev npaj yuav them rau cov kev pabcuam ntxiv rau chiropractic.

Nws kuj yuav muaj lwm qhov mus ntsib thiab kev khomob uas Medicare yuav tsis kam them. Thaum tsis paub tseeb, ib txwm txheeb xyuas koj txoj cai lossis cov ntaub ntawv cuv npe.

• Pib tso npe: 3 lub hlis ua ntej thiab tom qab koj hnub yug 65 xyoos. Koj yuav tsum rau npe rau Medicare nyob rau lub sijhawm 7-hlis no. Yog tias koj tau ua haujlwm, koj tuaj yeem tso npe rau Medicare tsis pub dhau 8 lub hlis tom qab koj so los yog tawm hauv koj lub tuam txhab pab kas phais pov hwm kev noj qab haus huv thiab tseem zam kom tsis raug nplua. Raws li tsoomfwv txoj cai lij choj, koj tuaj yeem tso npe rau Medigap txoj kev npaj txhua lub sijhawm thaum 6-lub hlis pib txij li koj 65 xyoos^th hnub yug.
• Kev rau npe nkag: Lub Ib Hlis 1 - Peb Hlis 31. Yog tias koj tsis nco lub sijhawm pib nkag, koj tseem tuaj yeem tso npe rau Medicare txhua lub sijhawm nyob rau lub sijhawm no. Txawm li cas los xij, tej zaum koj yuav raug them lub txim ua ntu zus lig-ncua thaum koj cov txiaj ntsig pib siv. Nyob rau lub sijhawm no, koj tuaj yeem hloov lossis tso tseg koj li Medicare Advantage txoj kev npaj khomob thiab xaiv qhov Medicare qub. Koj tseem tuaj yeem tau txais hom Medigap thaum lub sijhawm cuv npe.
• Kev qhib sau npe txhua xyoo: Kaum Hli 15 txog Kaum Ob Hlis 7. Koj tuaj yeem hloov kho rau koj cov phiaj xwm uas twb muaj lawm txhua xyoo nyob rau lub sijhawm no.
• Cuv npe rau kev ntxiv Medicare: Lub Plaub Hlis 1 - Lub Rau Hli 30. Koj tuaj yeem ntxiv Medicare Ntu D lossis Medicare Advantage txoj kev pab them nqi rau koj cov kev pab them kho mob Medicare tam sim no.

Cov nqa mus

Medicare Tshooj B npog 80 feem pua ​​ntawm tus nqi mus ntsib kws kho mob txhawm rau tiv thaiv kev tiv thaiv thiab kev pab kho mob uas yuav tsum tau kho.

Tsis yog txhua txhua hom kws kho mob yuav suav nrog. Txhawm rau kom ntseeg tau kev pab them nqi, koj tus kws kho mob yuav tsum yog ib tus kws kho mob pom zoo Medicare. Kuaj koj ib txoj kev npaj khomob lossis hu rau Medicare tus xovtooj pabcuam cov neeg siv ntawm 800-633-4227 yog tias koj xav tau cov ntaub ntawv kev fajseeb tshwj xeeb.

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.