Medicare puas Pab Cov Laus Dua?

Zoo Siab

• Thaum twg Medicare them rau kev pab tu cov neeg laus hauv tsev?
• Dab tsi ntawm Medicare them rau kev saib xyuas mob hauv tsev laus?
• Medicare Tshooj A
• Medicare Tshooj B
• Qhov Advantage cov phiaj xwm duav tau ib feem ntawm nws?
• Dab tsi txog Medigap tshuaj ntxiv?
• Hais txog noj tshuaj Part D?
• Hom phiaj xwm Medicare twg yuav yog qhov zoo tshaj yog tias koj xav tau kev saib xyuas hauv tsev laus hauv lwm xyoo?
• Tsev laus yog dab tsi?
• Qhov zoo ntawm kev saib xyuas lub tsev laus
• Cov tsev laus hauv tsev zov menyuam tau them tus nqi npaum licas?
• Hauv qab kab

Medicare yog ib qho pab kas phais pov hwm kev noj qab haus huv rau cov neeg hnub nyoog 65 thiab laus dua (thiab nrog rau qee yam mob) hauv Tebchaws Meskas.

Cov kev pabcuam no suav nrog cov kev pabcuam xws li nyob hauv tsev khomob thiab sab nrauv cov kev pabcuam thiab kev saib xyuas tiv thaiv. Medicare yuav them rau cov sij hawm luv luv hauv tsev laus thaum ib tus neeg xav tau kev saib xyuas zoo.

Txawm li cas los xij, yog tias ib tus neeg xav tsiv mus nyob hauv tsev laus lub sijhawm ntev, Medicare cov phiaj xwm feem ntau yuav tsis them tus nqi no.

Thaum twg Medicare them rau kev pab tu cov neeg laus hauv tsev?

Yuav kom nkag siab txog yam Medicare duav dab tsi hauv tsev laus, qee zaum nws zoo tshaj yog kom paub dab tsi lawv tsis them. Medicare tsis them rau kev saib xyuas hauv tsev laus thaum ib tus neeg xav tau kev saib xyuas nkaus xwb. Kev saib xyuas menyuam suav nrog cov kev pabcuam hauv qab no:

• da dej
• hnav khaub ncaws
• kev noj
• mus rau chav dej

Raws li txoj cai dav dav, yog tias ib tus neeg xav tau kev saib xyuas uas tsis tas yuav muaj qib qib los muab, Medicare tsis them rau cov kev pabcuam.

Tam sim no cia saib seb Medicare yuav them rau dab tsi.

Medicare pab them rau kev tu cov neeg laus hauv tsev laus, tab sis koj yuav tsum tau ua raws ntau yam. Cov no suav nrog:

• Koj yuav tsum muaj Medicare Seem A thiab muaj hnub so nyob hauv koj li txiaj ntsig kev pab.
• Koj yuav tsum yog thawj zaug muaj nyob hauv tsev khomob tsim nyog.
• Koj tus kws kho mob yuav tsum txiav txim siab koj xav tau kev saib xyuas mob nkeeg txhua hnub, txawj ntse.
• Koj yuav tsum tau txais kev kho mob hauv lub tsev laus.
• Lub tsev laus uas koj tau txais koj cov kev pab yuav tsum yog ntawv pov thawj Medicare.
• Koj xav tau cov kev pab rau cov tsev kho mob lossis tsev kho mob uas tau pib thaum koj nyob hauv lub tsev laus uas tau txais kev pab kom tau txais kev kho mob uas tseem nyob nrog hauv tsev kho mob.

Nws tseem ceeb heev uas yuav tsum nco ntsoov tias qhov kev saib xyuas no yog rau ib lub sijhawm luv luv, tsis yog siv sijhawm saib xyuas ntev.

Feem ntau, Medicare Tshooj A yuav them mus txog li 100 hnub nyob hauv ib lub tsev laus. Ib lub chaw tu neeg yuav tsum lees paub tus neeg ntawd tsis pub dhau 30 hnub tom qab lawv tawm hauv lub tsev kho mob, thiab lawv yuav tsum lees paub rau kev mob lossis kev raug mob uas tus neeg tau txais kev saib xyuas hauv tsev kho mob.

Dab tsi ntawm Medicare them rau kev saib xyuas mob hauv tsev laus?

Medicare feem ntau tsuas them rau kev saib xyuas neeg mob luv luv nyob hauv tsev laus. Nyeem txuas ntxiv rau saib seb cov Medicare yuav duav dab tsi ntsig txog tsev laus.

Medicare Tshooj A

Qee cov kev pab Medicare Tshooj A yuav them rau hauv ib lub tsev laus ib puag ncig muaj xws li:

• kev pab sab laj txog kev noj haus thiab kev pab khoom noj khoom haus
• cov khoom siv kho mob thiab khoom siv
• tshuaj noj
• zaub mov
• kev kho kom lub cev
• kev pab kho lub cev
• ib nrab ntawm chav tsev
• cov kws tu neeg mob, xws li hloov khaub ncaws
• kev pabcuam pejxeem ntsig txog kev khomob uas xav tau
• hais lus-kev pathology

Medicare kuj tseem tuaj yeem them qee yam hu ua "viav vias kev pabcuam." Nov yog thaum ib tug neeg tau txais kev saib xyuas hauv tsev laus hauv tsev kho mob sai.

Medicare Tshooj B

Medicare Tshooj B yog ib feem ntawm Medicare uas them rau cov kev pabcuam sab nrauv, xws li kev mus ntsib kws khomob thiab kev kuaj mob. Seem no ntawm Medicare tsis yog feem ntau yuav them rau cov nyob hauv tsev laus.

Qhov Advantage cov phiaj xwm duav tau ib feem ntawm nws?

Medicare Advantage cov phiaj xwm (tseem hu ua Medicare Tshooj C) tsis yog feem ntau them rau kev saib xyuas hauv tsev laus uas yog kev saib xyuas. Muaj qee qhov tsis suav, suav nrog yog tias ib tus neeg txoj kev npaj khomob tau cog lus nrog ib lub tsev laus lossis lub koomhaum uas khiav haujlwm hauv cov tsev laus.

Nco ntsoov hu rau koj lub chaw muab kev pab ua ntej mus rau hauv ib lub tsev laus kom koj nkag siab tias cov kev pab twg yog qhov twg thiab tsis raug pab them nyob rau hauv koj li phiaj xwm Medicare Advantage.

Dab tsi txog Medigap tshuaj ntxiv?

Cov kev pab them nqi tshuaj Medigap yog muag los ntawm cov tuam txhab kev pov hwm thiab pab them cov nqi ntxiv, xws li txiav tawm cov nqi.

Qee cov phiaj xwm Medigap tuaj yeem pab them cov nqi koom nrog tsev laus cov ntawv tuav pov hwm. Cov no suav nrog cov phiaj xwm C, D, F, G, M, thiab N. Plan K them rau kwv yees li 50 feem pua ​​ntawm npib peev thiab Phiaj Xwm L them rau 75 feem pua ​​ntawm kev tiv thaiv npib.

Txawm li cas los xij, Medigap cov phiaj xwm ntxiv tsis them nyiaj rau kev saib xyuas cov neeg mob hauv tsev laus ntev.

Hais txog noj tshuaj Part D?

Medicare Tshooj D yog cov kev pab them tshuaj uas yuav pab them rau tag nrho lossis ib feem ntawm tus neeg cov tshuaj noj.

Yog tias ib tug neeg nyob hauv tsev laus, lawv feem ntau yuav tau txais lawv cov tshuaj los ntawm lub tsev muag tshuaj saib xyuas mus sij hawm ntev uas muab tshuaj rau cov neeg nyob hauv cov tsev laus xws li tsev laus.

Txawm li cas los xij, yog tias koj nyob hauv ib lub chaw muaj txuj ci tau txais kev saib xyuas mob siab, Medicare Tshooj A feem ntau yuav them rau koj cov tshuaj noj nyob rau lub sijhawm no.

Hom phiaj xwm Medicare twg yuav yog qhov zoo tshaj yog tias koj xav tau kev saib xyuas hauv tsev laus hauv lwm xyoo?

Cov phiaj xwm Medicare feem ntau tsis kam them rau kev saib xyuas hauv tsev laus. Cov kev tsis suav nrog suav nrog yog tias koj yuav Medicare Advantage txoj kev npaj khomob nrog cov kev pom zoo tshwj xeeb nrog tsev laus. Ib zaug ntxiv, cov no feem ntau yog qhov kev zam, tsis yog txoj cai, thiab cov kev xaiv muaj nyob hauv thaj chaw sib txawv.

Yog tias koj lossis tus neeg koj hlub yuav xav hloov mus rau kev saib xyuas lub tsev laus mus ntev, muaj cov kev xaiv sab nraud ntawm Medicare uas tuaj yeem pab qee tus nqi. Cov no suav nrog:

• Kev tuav pov hwm kev saib xyuas ncua ntev. Qhov no yuav pab them txhua yam lossis ib feem ntawm cov nqi hauv tsev laus. Ntau tus neeg yuav yuav cov cai no thaum lawv tseem hluas, xws li hauv lawv 50s, vim tias cov nqi them txhua hli feem ntau nce tus nqi raws li tus neeg hnub nyoog.
• Medicaid. Medicaid, qhov kev pabcuam pov hwm uas pab them cov nqi rau cov tsev neeg tau nyiaj tsawg, muaj cov kev pabcuam hauv lub xeev thiab hauv tebchaws uas pab them cov nqi saib xyuas mob hauv tsev laus.
• Cov qub tub rog. Cov neeg ua haujlwm ua tub rog yuav tau txais kev pabcuam nyiaj txiag rau cov kev pabcuam saib xyuas ncua ntev los ntawm Tsoomfwv Meskas Lub Tsev Lis Haujlwm Saib Xyuas Cov Menyuam Qub.

Qee tus neeg yuav pom tias lawv xav tau Medicaid cov kev pabcuam tomqab lawv siv tas lawv li nyiaj txiag hauv kev them nyiaj rau kev saib xyuas ncua ntev. Txhawm rau nrhiav kom paub ntau ntxiv seb yuav tsim nyog li cas, mus saib hauv Lub Xeev Cov Nyiaj Pab Nyiaj Pov Hwm Kev Nyab Xeeb.

Tsev laus yog dab tsi?

Cov tsev laus yog qhov chaw uas ib tus neeg tuaj yeem txais kev pabcuam ntxiv los ntawm cov neeg saib mob lossis tus saib xyuas neeg mob.

Ntau qhov ntawm cov chaw no tuaj yeem yog hauv tsev lossis cov tsev nyob rau cov neeg uas xav tau kev saib xyuas tshwj xeeb rau lawv cov haujlwm txhua hnub lossis cov neeg tsis xav nyob ib leeg. Qee qhov zoo li cov tsev kho mob lossis tsev so muaj chav nrog txaj thiab da dej thiab qhov chaw sib xws rau chav, ua si, noj mov, thiab so kom txaus.

Cov tsev laus feem ntau muab kev saib xyuas hauv ib puag ncig. Cov kev pabcuam tuaj yeem sib txawv, tab sis kuj yuav suav nrog kev pab mus rau chav dej, pab kom tau txais tshuaj kho, thiab kev pabcuam noj mov.

Qhov zoo ntawm kev saib xyuas lub tsev laus

• Kev saib xyuas neeg mob hauv tsev laus feem ntau tso cai rau tus neeg nyob ntawm nws tus kheej yam tsis tas ua kev tu vaj tu tsev, zoo li txiav nyom lossis tu me nyuam hauv tsev.
• Ntau lub tsev laus kuj muaj cov kev ua haujlwm sib raug zoo uas tso cai rau cov tib neeg sib txuas nrog lwm tus thiab muaj kev phooj ywg thiab lwm yam dej num.
• Muaj lub peev xwm tau txais cov kev pabcuam xav tau neeg laus thiab muaj tus neeg ua haujlwm raug cob qhia ntawm tes los saib xyuas ib tus neeg tuaj yeem muab kev nplij siab rau tus neeg thiab lawv tsev neeg.

Cov tsev laus hauv tsev zov menyuam tau them tus nqi npaum licas?

Lub koomhaum nyiaj txiag Genworth taug qab cov nqi khomob hauv cov tsev laus thiab tsev laus txij xyoo 2004 txog 2019.

Lawv pom tus nqi nruab nrab 2019 nqi ntawm ib chav tsev ntiag tug hauv tsev laus yog $ 102,200 nyob rau ib xyoos, uas yog 56.78 feem pua ​​nce txij xyoo 2004. Kev saib xyuas hauv ib lub tsev muaj neeg pab them tus nqi nruab nrab $ 48,612 toj ib xyoo, 68.79 feem pua ​​nce xyoo 2004.

Cov kws tu neeg mob hauv tsev laus yog qhov kim - cov nqi no suav nrog kev saib xyuas rau cov neeg mob hnyav dua, neeg ua haujlwm tsis txaus, thiab cov cai ntau ntxiv uas ua rau txhua tus neeg siv nyiaj ntxiv rau cov nuj nqis nce ntxiv.

Yog tias koj muaj ib tus neeg koj hlub uas muaj hnub nyoog 65 xyoos, ntawm no yog cov lus qhia tias koj tuaj yeem pab lawv li cas:

• Koj tuaj yeem pib ua cov txheej txheem 3 lub hlis ua ntej tus neeg koj hlub rov qab muaj hnub nyoog 65. Pib thaum ntxov tuaj yeem pab koj teb cov lus nug uas xav tau thiab tshem qee qhov kev ntxhov siab tawm ntawm cov txheej txheem.
• Hu rau koj lub chaw tswj hwm Xaus Saus hauv koj cheeb tsam lossis nrhiav qhov chaw uas yog mus saib lawv lub vev xaib official lub website.
• Mus saib Medicare.gov kom paub txog cov phiaj xwm kev noj qab haus huv thiab tshuaj noj uas muaj nyob hauv.
• Tham nrog koj cov phooj ywg thiab lwm cov neeg hauv tsev neeg uas tau dhau los ntawm cov txheej txheem zoo sib xws. Lawv tuaj yeem muab cov lus qhia rau koj txog yam lawv tau kawm los ntawm kev sau npe rau Medicare thiab xaiv cov phiaj xwm ntxiv, yog tias muaj.

Hauv qab kab

Medicare Tshooj A tuaj yeem them cov kev saib xyuas neeg mob nyob hauv tsev laus, muab cov neeg muaj raws cov cai tshwj xeeb.

Yog tias koj lossis cov neeg koj hlub muaj lub siab xav lossis xav nyob hauv tsev laus lub sijhawm ntev kom tau txais kev saib xyuas thiab lwm yam kev pabcuam, koj yuav raug them nyiaj los ntawm kev siv nyiaj lossis siv cov kev pabcuam xws li kev tuav pov hwm kev saib xyuas mus ntev lossis Medicaid Cov.

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.