Kev Kho Mob Rau Medicare thiab Qhov Ncauj: Tau Them Li Cas?

Zoo Siab

• Thaum twg Medicare them rau kev phais qhov ncauj?
• Cov phiaj xwm Medicare twg yuav yog qhov zoo tshaj rau koj yog tias koj paub tias koj xav tau phais hauv qhov ncauj?
• Medicare Tshooj C (Medicare Advantage)
• Medicare Tshooj A
• Medicare Tshooj B
• Medicare Tshooj D
• Kev Pab Them Nyiaj Kho Mob Medicare (Medigap)
• Dab tsi yog tawm ntawm hnab tshos rau kev phais qhov ncauj yog tias koj muaj Medicare?
• Cov kev pab kho hniav twg them Medicare?
• Thawj qhov Medicare (ntu A thiab B)
• Cov phiaj xwm kev pab Medicare Advantage (Medicare ntxiv cov phiaj xwm)
• Kev Pab Them Nqi Medicare rau cov kev pab kho kaus hniav
• Hauv qab kab

Yog tias koj tsim nyog rau Medicare thiab txiav txim siab phais qhov ncauj, koj muaj kev xaiv los pab them tus nqi.

Thaum Medicare thawj zaug tsis them rau cov kev kho hniav uas xav tau tshwj xeeb rau kev kho hniav lossis cov pos hniav, nws yuav them rau qhov ncauj phais rau cov mob. Qee qhov kev pab Medicare Tshooj C (Medicare Advantage) kuj muaj kev pab them nqi kho hniav.

Cia tshawb nrhiav seb hom kev kho mob twg ntawm ncauj qhov ncauj npog Medicare thiab yog vim li cas.

Thaum twg Medicare them rau kev phais qhov ncauj?

Tej zaum yuav tau phais qhov ncauj raws li ib feem ntawm txoj kev npaj kho mob, xws li mob qog noj ntshav lossis mob plawv. Hauv cov xwm txheej no, kev phais qhov ncauj yuav tau cais raws li cov txheej txheem kho mob.

Vim tias txhua qhov xwm txheej txawv, tham nrog koj tus kws kho mob lossis tshuaj xyuas koj lub phiaj xwm tshwj xeeb, txhawm rau txiav txim siab seb koj qhov kev phais mob hauv qhov ncauj yuav duav tau los ntawm Medicare qub.

Original Medicare (Medicare Tshooj A) yuav them rau tus nqi phais qhov ncauj rau qee qhov mob:

• Kev rub tawm ntawm cov hniav puas lossis kab mob tuaj yeem tsim nyog kho ua ntej pib kho hluav taws xob. Qhov no yuav pab txo qis kev phom sij ntawm pob txha caj qaum (pob txha) tuag.
• Txhawm rau zam kom tsis txhob mob qhov ncauj, yuav tshem tawm cov hniav puas lossis kab mob tuaj ua ntej yuav muaj kev hloov khoom nruab nrog.
• Yog tias koj muaj lub pob txha lov thiab koj xav tau kev phais mob los kho lossis rov kho nws, Medicare yuav them rau cov nqi ntawd.
• Medicare tseem yuav suav nrog kev phais mob hauv qhov ncauj yog tias koj lub puab tsaig yuav tsum tau kho lossis rov qab los tom qab kev tshem tawm cov qog.

Cov phiaj xwm Medicare twg yuav yog qhov zoo tshaj rau koj yog tias koj paub tias koj xav tau phais hauv qhov ncauj?

Medicare Tshooj C (Medicare Advantage)

Yog koj paub tias koj yuav tsum tau phais qhov ncauj rau kev kho hniav, txoj kev pab them nqi kho mob Medicare Advantage (Medicare Tshooj C) uas them rau cov kev kho hniav niaj hnub yuav yog qhov zoo tshaj rau koj.

Txawm li cas los xij, tsis yog txhua txhua Medicare Advantage cov phiaj xwm suav nrog kev pab kho kaus hniav.

Medicare Tshooj A

Yog koj paub tias koj yuav raug phais qhov ncauj tsim nyog los kho mob, koj yuav tau txais kev pab them raws Medicare Tshooj A yog tias koj pw tsev kho mob.

Medicare Tshooj B

Yog tias koj xav tau kev phais mob hauv qhov ncauj uas yuav tsum tau mus kho mob sab nrauv, Medicare Tshooj B yuav them rau.

Medicare Tshooj D

Yuav tsum tau cov tshuaj xws li cov tshuaj los kho tus mob los yog kev mob yuav duav tau nyob rau hauv Medicare Part D, tshwj tsis yog tias lawv tau muab tso rau hauv cov tshuaj.

Yog tias koj tau muab tshuaj rau hauv tsev kho mob uas tau muab tshuaj rau, Part B yuav them rau cov nqi ntawd. Feem ntau ntawm Medicare Advantage cov phiaj xwm duav tau them tus nqi tshuaj kho ib yam nkaus.

Kev Pab Them Nyiaj Kho Mob Medicare (Medigap)

Medigap tuaj yeem them rau koj Tshooj Nqi txiav tawm thiab cov txiaj ntsig them yog tias koj muaj qhov ncauj kho mob tsim nyog hauv tsev kho mob. Medigap tsis pab them cov nqi kho hniav qhov ncauj uas xav kom kho kaus hniav xwb.

Dab tsi yog tawm ntawm hnab tshos rau kev phais qhov ncauj yog tias koj muaj Medicare?

Yog tias koj muaj txoj kev phais qhov ncauj uas tsis suav tias yog kev mob tsim nyog, koj yuav ua rau tag nrho cov nqi cuam tshuam nrog nws.

Yog koj txoj kev phais mob hauv qhov ncauj yog kev khomob tsim nyog, tseem muaj cov nqi uas koj yuav tau them. Piv txwv li:

• Cov Nqi Yuav. Medicare yuav them 80 feem pua ​​ntawm Medicare tus nqi pom zoo rau kev phais mob qhov ncauj tsim nyog, muab uas yog ua los ntawm tus kws kho mob pom zoo Medicare. Qhov no suav nrog xoo hluav taws xob thiab lwm yam kev pabcuam koj xav tau. Yog tias koj cov txheej txheem raug ua nyob hauv tsev kho mob thiab koj tsis muaj kev tuav pov hwm ntxiv Medigap, koj yuav raug lav 20 feem pua ​​ntawm cov nqi.
• Txiav txim siab tau. Txog rau cov tib neeg feem coob, Medicare Tshooj B muaj qhov nyiaj yus them txhua xyoo ntawm $ 198 uas yuav tsum tau ntsib ua ntej ib qho kev pab, suav nrog kev kho mob hauv qhov ncauj yuav raug pab them.
• Tus nqi txhua hli. Medicare Tshooj B muaj tus qauv, tus nqi them txhua hli ntawm $ 144.60. Qhov no tej zaum yuav tsawg dua rau koj yog tias koj tab tom tau txais cov txiaj ntsig kev nyab xeeb, lossis nws yuav raug nqi ntau dua raws li koj cov nyiaj tau tam sim no.
• Cov Tshuaj Kho Mob. Koj yuav tsum muaj Medicare Seem D lossis lwm hom kev pab them cov tshuaj txhawm rau kom muaj tag nrho lossis ib feem ntawm tus nqi ntawm koj cov tshuaj. Yog tias koj tsis muaj kev pab them nqi tshuaj, koj yuav tau them tus nqi rau yam tshuaj uas yuav tsum tau.

Cov kev pab kho hniav twg them Medicare?

Thawj qhov Medicare (ntu A thiab B)

Medicare tsis them rau cov kev kho hniav niaj hnub xws li kev ntxuav, ntxiv, ntxiv, kho hniav lossis kho qhov ncauj. Txawm li cas los xij, kev phais qhov ncauj yuav raug them yog tias nws yog qhov tsim nyog kho mob.

Cov phiaj xwm kev pab Medicare Advantage (Medicare ntxiv cov phiaj xwm)

Qee qhov phiaj xwm Medicare Advantage suav nrog kev pab them nqi kho hniav. Yog tias koj xav tau kev pab them nqi kho hniav, sib piv cov phiaj xwm uas muaj hauv koj lub xeev, thiab saib cov phiaj xwm uas suav nrog kev kho hniav. Medicare muaj ib lub phiaj xwm phiaj xwm nrhiav los pab koj piv rau Medicare Advantage cov cai muaj nyob hauv koj thaj tsam.

Kev Pab Them Nqi Medicare rau cov kev pab kho kaus hniav

Hauv qab kab

Cov kev kho hniav niaj hnub thiab cov txheej txheem kho hniav uas yuav tsum tau siv rau kev kho hniav xwb tsis yog duav los ntawm Medicare qub. Tab sis kev phais mob hauv qhov ncauj uas xav tau rau kev kho hniav lossis pos hniav tej zaum yuav duav tau los ntawm qee cov phiaj xwm Medicare Advantage.

Yog tias koj xav tau kev phais mob qhov ncauj tsim nyog rau kev mob nkeeg, kev kho mob Medicare thawj yuav them rau cov txheej txheem. Txawm yog li ntawd, tej zaum koj yuav tau them tus nqi hnab nyiaj tawm los them.

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.