Puas Muaj Hloov Kho Kho Pob Ntseg Los Ntawm Medicare?

Zoo Siab

• Medicare them dab tsi nrog kev hloov duav?
• Medicare Tshooj A
• Medicare Tshooj B
• Medicare Tshooj D
• Cov ntsiab lus ntawm kev duav tau los ntawm Medicare
• Medicare them nqi dab tsi?
• Cov kev pab them nqi ntxiv
• Kev txiav txim siab koj tus nqi
• Txog kev phais mob hip
• Nqa Nyiaj

Original Medicare (Tshooj A thiab Ntu B) feem ntau yuav them rau kev hloov phais lub ntsag yog tias koj tus kws kho mob qhia tias nws yog yam mob yuav tsum tau kho. Qhov no tsis tau txhais hais tias, li cas los xij, Medicare yuav them rau 100 feem pua ​​ntawm cov nqi. Hloov chaw, koj cov nuj nqis yuav txiav txim siab los ntawm koj txoj kev npaj phiaj xwm tshwj xeeb, tus nqi ntawm cov txheej txheem, thiab lwm yam.

Nyeem rau kom paub ntau ntxiv txog yam xav kom ua tiav.

Medicare them dab tsi nrog kev hloov duav?

Original Medicare (Medicare Tshooj A thiab Medicare Tshooj B) tuaj yeem pab them cov nqi khomob tshwj xeeb rau koj qhov phais mob qog hloov.

Medicare Tshooj A

Raws li National Institute of Arthritis thiab Musculoskeletal thiab Cov Kab Mob Ntawm Cov Tawv Nqaij, Cov neeg feem ntau yuav tsum tau nyob hauv tsev kho mob li 1 txog 4 hnub tom qab lub ntsag hloov. Lub sijhawm koj nyob ntawm lub tsev kho mob pom zoo Medicare, Medicare Tshooj A (ntawv pov hwm tsev kho mob) yuav pab them rau:

• ib nrab ntawm chav tsev
• zaub mov
• saib xyuas mob nkeeg
• cov tshuaj uas yog ib feem ntawm koj txoj kev kho mob hauv tsev

Yog koj xav tau kev saib xyuas neeg laus raws li tus txheej txheem, Tshooj A pab them rau thawj 100 hnub ntawm kev saib xyuas. Qhov no suav nrog kev kho mob lub cev (PT).

Medicare Tshooj B

Yog tias koj lub duav hloov kho ntawm qhov chaw phais mob sab nrauv, Medicare Tshooj B (ntawv pov hwm kho mob) yuav tsum pab them cov nqi khomob. Txawm hais tias koj txoj kev phais mob tiav los ntawm lub tsev kho mob lossis chaw pw hauv tsev kho mob, Medicare Part B yuav pab them rau:

• tus kws kho mob cov nqi (kuaj mob ua ntej thiab tom qab tawm, kho mob tom qab op, thiab lwm yam)
• kev phais mob
• cov khoom siv kho mob (pas nrig, walker, thiab lwm yam)

Medicare Tshooj D

Medicare Tshooj D yog kev pab them tshuaj uas yuav los ntawm tuam txhab tuav pov hwm ntiag tug nyias nyob nyias Medicare. Tshooj D feem ntau duav txog cov kev kho mob tom qab tsis them los ntawm Medicare, xws li cov tshuaj tswj kev mob thiab cov ntshav ua kom ntshav nyias (kom tiv thaiv kom txhob txhaws) noj thaum koj rov zoo.

Cov ntsiab lus ntawm kev duav tau los ntawm Medicare

Medicare them nqi dab tsi?

Raws li Asmeskas Cov Koom Haum Kho Mob Kho Pob Ntseg thiab Pob Ntseg (AAHKS), tus nqi ntawm lub ntsag hloov hauv Asmeskas tau nyiaj txog $ 30,000 txog $ 112,000. Koj tus kws kho mob yuav tuaj yeem muab nqe Medicare-pom zoo tus nqi rau kev kho mob tshwj xeeb uas koj xav tau.

Ua ntej Medicare Tshooj A thiab Ntu B them rau ib feem ntawm tus nqi ntawd, koj yuav tsum them koj cov nqi them txhua hli thiab feem yus them ua ke. Koj kuj tseem yuav muaj npoj nyiaj lossis nqi them sib ntxiv.

• Hauv xyoo 2020, qhov yuav rho tawm txhua xyoo rau Medicare Tshooj A yog $ 1,408 thaum tau mus pw rau hauv tsev kho mob. Qhov no suav nrog thawj 60 hnub ntawm kev saib xyuas hauv tsev kho mob hauv lub sijhawm tau txais txiaj ntsig. Kwv yees li ntawm 99 feem pua ​​ntawm cov neeg tau txais Medicare tsis muaj kev tuav pov hwm rau Tshooj A raws li Tsoomfwv Meskas Cov Chaw Pabcuam Medicare & Medicare.
• 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.

Cov kev pab them nqi ntxiv

Yog tias koj muaj kev pab them nyiaj ntxiv, xws li Medigap txoj cai (Medicare Pab Txhawb Ntxiv), nyob ntawm txoj kev npaj khomob, qee feem ntawm koj tus nqi fajseeb khomob, rho tawm, thiab feem them nrog them yuav them. Medigap cov kev cai yog yuav los ntawm Medicare cov chaw pab kas phais ntiag tug.

Kev txiav txim siab koj tus nqi

Txhawm rau kom paub seb koj lub duav pauv yuav raug npaum li cas, tham nrog koj tus kws kho mob. Tus nqi koj yuav them nyob ntawm seb yam twg, yam li:

• lwm qhov kev pov hwm uas koj muaj, xws li txoj cai Medigap
• tus nqi koj tus kws kho mob tsub
• seb koj tus kws kho mob puas lees txais txoj haujlwm (tus nqi Medicare-pom zoo)
• koj mus qhov txheej txheem, xws li tsev kho mob pom zoo Medicare

Txog kev phais mob hip

Kev phais mob ntawm lub ntsag yog siv los hloov cov kev mob lossis raug mob ntawm lub ntsag sib koom nrog cov tshiab, cov khoom cuav. Qhov no ua rau:

• daws qhov mob
• rov qab ua haujlwm rau lub duav
• txhim kho kev txav, xws li taug kev

Qhov chaw tshiab, feem ntau yog ua los ntawm cov hlau tsis xeb lossis titanium, hloov daim tawv qub sib txuam nrog. Qhov khoom cog pleev dag no ua haujlwm zoo ib yam li ntawm ib lub ntsag.

Raws li qhov ntawm 326,100 tag nrho lub duav hloov uas tau ua nyob rau xyoo 2010, 54 feem pua ​​ntawm lawv yog rau cov neeg hnub nyoog 65 thiab laus dua (Medicare muaj cai).

Nqa Nyiaj

Original Medicare (Tshooj A thiab Tshooj B) feem ntau yuav them rau kev hloov kho lub ntsag yog tias nws raug mob.

Koj cov nqi tawm-hauv-hnab ris rau koj lub ntsag hloov yuav raug cuam tshuam los ntawm ntau lub zog, suav nrog:

• lwm yam kev pov hwm, xws li Medigap
• Medicare thiab lwm yam ntawv pov hwm kev txiav tawm, nyiaj pab them nqi, feem yus them ua ke, thiab cov nqi them txhua hli
• kws kho mob tsub
• tus kws kho mob pom zoo los ntawm lub luag haujlwm
• cov txheej txheem nyob qhov twg

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