Puas Yog Kev Kho Mob Hauv Lub Cev Raug Them Los Ntawm Medicare?

Zoo Siab

• Thaum twg Medicare them rau kev kho mob lub cev?
• Duav thiab them nyiaj
• Qhov twg hauv Medicare them rau kev kho mob lub cev?
• Ntu A
• Ntu B
• Ntu C
• Ntu D
• Medigap
• Kev kho lub cev yuav raug nqi npaum li cas?
• Kev kwv yees koj cov nyiaj hauv hnab ris
• Cov phiaj xwm Medicare twg yuav yog qhov zoo tshaj yog tias koj paub tias koj xav tau kev kho lub cev?
• Hauv qab kab

Medicare tuaj yeem pab them rau kev kho mob lub cev (PT) uas suav tias yog kev khomob tsim nyog. Tom qab sib ntsib koj feem B feem yus them ua yus tsis tau, uas yog $ 198 rau xyoo 2020, Medicare yuav them 80 feem pua ​​ntawm koj cov nqi PT.

PT tuaj yeem yog qhov tseem ceeb ntawm txoj kev kho lossis rov zoo rau ntau yam mob. Nws tsom rua kev ua kom rov zoo li qub, daws qhov mob, thiab txhawb kev txav mus ntxiv.

Tus Kws Kho Mob lub cev ua haujlwm nrog koj kom zoo los kho lossis tswj ntau yam mob, suav nrog tab sis tsis txwv rau mob nqaij pob txha, mob ntshav nce hlwb, thiab tus kab mob Parkinson.

Khaws nyeem kom paub txog qhov twg ntawm Medicare npog PT thiab thaum twg.

Thaum twg Medicare them rau kev kho mob lub cev?

Medicare Tshooj B yuav pab them rau cov kev them nqi kho mob PT uas yog yam yuav tsum tau kho mob. Qhov kev pabcuam yog suav tias yog kev khomob tsimnyog thaum nws xav tau los tshuaj xyuas lossis kho tus mob lossis tus mob. PT yuav tau muab suav hais tias tsim nyog los:

• txhim kho koj cov mob tam sim no
• tswj hwm koj cov mob tam sim no
• qeeb txuas ntxiv txuas ntxiv ntawm koj tus mob

Kom them rau PT, nws yuav tsum koom nrog kev pab cuam los ntawm cov kws tshaj lij xws li kws kho mob lub cev lossis kws kho mob. Piv txwv li, qee yam xws li muab kev tawm dag zog rau kev tawm dag zog txhua lub cev yuav tsis raug tiv thaiv zoo li PT nyob hauv Medicare.

Koj tus kws kho mob lub cev yuav tsum sau ntawv ceeb toom rau koj ua ntej muab ib qho kev pabcuam twg uas tsis kam them rau hauv Medicare. Tom qab ntawv koj tuaj yeem xaiv seb koj puas xav tau cov kev pabcuam no.

Duav thiab them nyiaj

Thaum koj tau ntsib koj Tshooj B uas txiav tawm tau, uas yog $ 198 rau xyoo 2020, Medicare yuav them 80 feem pua ​​ntawm koj cov nqi PT. Koj yuav yog lub luag hauj lwm rau kev them ntxiv 20 feem pua. Nws tsis muaj qhov nqi dab tsi ntawm PT uas Medicare yuav them rau.

Tom qab koj tus nqi tag nrho PT tshaj qhov kev xav tau tshwj xeeb, koj tus kws kho mob lub cev yuav tsum paub tseeb tias cov kev pabcuam tau muab kho mob tseem ceeb rau koj tus mob. Rau 2020, qhov pib ntawm no yog $ 2,080.

Koj tus kws kho mob hauv lub cev yuav siv cov ntaub ntawv qhia tias koj qhov kev kho mob yog qhov yuav tsum tau kho. Qhov no suav nrog kev ntsuam xyuas koj tus mob thiab kev nce qib nrog rau kev npaj khomob nrog cov ntaub ntawv hauv qab no:

• kev kuaj mob
• qhov tseeb hom ntawm PT koj yuav tau txais
• lub hom phiaj ncua sij hawm ntev ntawm koj txoj kev kho PT
• npaum li cas ntawm PT kev sib ntsib koj yuav tau txais nyob rau hauv ib hnub lossis ib lub lim tiam
• tag nrho cov naj npawb ntawm PT xav tau

Thaum tag nrho PT nqi ntau dua $ 3,000, yuav tshuaj ntsuam mob raws siab xav. Txawm li cas los xij, tsis yog txhua qhov kev thov yuav raug nyob hauv tus txheej txheem txheeb xyuas no.

Qhov twg hauv Medicare them rau kev kho mob lub cev?

Cia txuas ntxiv mus sib txawv ntawm ntau feem ntawm Medicare thiab kev pab them nqi cuam tshuam li cas rau PT.

Ntu A

Medicare Tshooj A yog kev tuav pov hwm hauv tsev kho mob. Nws suav nrog txhua yam xws li:

• pw hauv tsev kho mob nyob hauv cov tsev kho mob xws li tsev kho mob, chaw kho mob puas siab ntsws, chaw kho kom rov zoo nkauj, lossis chaw tu neeg mob zoo
• tsev kho mob
• saib xyuas kev noj qab haus huv hauv tsev

Ntu A tuaj yeem them cov kev kho mob kom rov zoo nkauj thiab PT cov kev pabcuam thaum lawv suav tias yog kev khomob los kho koj tus mob kom zoo tom qab mus pw tsev kho mob.

Ntu B

Medicare Tshooj B yog kev tuav pov hwm kho mob. Nws pab them cov nqi kho mob sab nrauv. Tshooj B kuj tseem tuaj yeem them qee yam kev pabcuam tiv thaiv.

Medicare Tshooj B npog kev khomob tsim nyog PT. Qhov no suav nrog ob qho tib si kuaj thiab kho cov kev mob lossis kev mob nkeeg uas cuam tshuam koj lub peev xwm ua haujlwm.

Koj tuaj yeem tau txais hom kev saib xyuas no ntawm cov chaw pabcuam hauv qab no:

• cov chaw kho mob
• kam xyaum kho tus kws kho mob lub cev
• tsev kho mob chav saib xyuas mob
• Cov chaw pabcuam sab nrauv
• cov chaw tu neeg mob (thaum Medicare Tshooj A tsis siv)
• hauv tsev (siv tus kws kho mob pom zoo Medicare)

Ntu C

Medicare Part C cov phiaj xwm kuj tseem muaj npe hu ua Medicare Advantage cov phiaj xwm. Tsis zoo li seem A thiab B, lawv tau raug muab los ntawm cov tuam txhab ntiag tug uas tau pom zoo los ntawm Medicare.

Phaj C cov kev npaj suav nrog kev pab them los ntawm ntu A thiab B. Qhov no suav nrog PT. Yog tias koj muaj Tshooj C txoj kev npaj khomob, koj yuav tsum tshawb xyuas cov ntaub ntawv ntsig txog cov cai tshwj xeeb-phiaj xwm phiaj xwm rau kev pabcuam khomob.

Phaj C hauv cov phiaj xwm tseem tuaj yeem suav qee qhov kev pab cuam tsis suav nrog hauv Tshooj A thiab B, xws li kho hniav, kho qhov muag, thiab kev pab them tshuaj siv (Tshooj D). Dab tsi uas suav nrog hauv Tshooj C txoj kev npaj sib txawv.

Ntu D

Medicare Tshooj D yog kev duav nqi tshuaj. Zoo ib yam li Tshooj C, cov tuam txhab lag luam ntiag tug uas pom zoo los ntawm Medicare muab Tshooj D cov phiaj xwm. Cov tshuaj uas tau txais kev tiv thaiv tuaj yeem sib txawv los ntawm phiaj xwm.

Tshooj D tsis kam them rau PT. Txawm li cas los xij, yog tias cov tshuaj kho mob yog ib feem ntawm koj txoj kev npaj khomob lossis phiaj xwm khomob rov qab, Phaj D yuav them rau.

Medigap

Medigap tseem tseem hu ua kev tuav pov hwm Medicare ntxiv. Cov cai no yog muag los ntawm cov tuam txhab ntiag tug thiab tuaj yeem duav nrog qee cov nqi uas tsis muaj nyob rau seem A thiab B. Qhov no tuaj yeem suav nrog:

• tshem tawm
• nqi them nyiaj
• paib pab
• kev khomob thaum koj mus ncig sab nraud Tebchaws Asmeskas

Txawm hais tias Medigap yuav tsis them rau PT, qee cov kev cai yuav pab ua kom them cov nqi ntsig lossis cov nqi txo.

Kev kho lub cev yuav raug nqi npaum li cas?

Tus nqi ntawm PT tuaj yeem sib txawv heev thiab ntau yam tuaj yeem cuam tshuam tus nqi, suav nrog:

• koj txoj kev fajseeb npaj khomob
• qhov tshwj xeeb ntawm PT cov kev pabcuam uas koj xav tau
• lub sijhawm lossis naj npawb ntawm kev sib ntsib koom rau hauv koj txoj kev kho PT
• koj tus kws kho mob lub cev them li cas
• koj qhov chaw nyob
• hom chaw uas koj siv

Cov nyiaj them poob haujlwm tseem tuaj yeem ua tus thawj coj hauv PT cov nqi. Muaj qee kis, kev them nyiaj tus nqi me rau qhov sib kho ib zaug tuaj yeem ua tau. Yog tias koj xav tau muaj ntau ntu ntawm PT, qhov nqi no tuaj yeem ntxiv sai ntxiv.

Kev tshawb fawb los ntawm 2019 pom tias qhov nruab nrab PT siv rau ib tus neeg koom yog $ 1,488 toj xyoo. Qhov no txawv txav los ntawm kev kuaj mob, nrog cov mob neurological thiab kev sib koom tes sib pauv hloov pauv tau siab dua thaum cov kev mob genitourinary thiab vertigo tsawg dua.

Kev kwv yees koj cov nyiaj hauv hnab ris

Txawm hais tias koj yuav tsis paub meej xyov PT siv nyiaj npaum li cas rau koj, nws tuaj yeem tuaj nrog qhov kev kwv yees. Sim rau hauv qab no:

1. Tham nrog koj tus kws kho mob lub cev kom tau txais tswv yim tias yuav kho koj npaum li cas.
2. Kuaj xyuas nrog koj txoj kev npaj fajseeb khomob kom paub seb qhov nqi no yuav them ntau npaum licas.
3. Muab ob tus lej los kwv yees tus nqi uas koj yuav tau them hauv koj hnab ris. Nco ntsoov suav nrog yam xws li feem them nyiaj thiab txiav tawm hauv koj qhov kwv yees.

Cov phiaj xwm Medicare twg yuav yog qhov zoo tshaj yog tias koj paub tias koj xav tau kev kho lub cev?

Medicare seem A thiab B (Medicare qub) them rau PT tsim nyog. Yog tias koj paub tias koj yuav xav tau kev kho mob lub cev rau xyoo tom ntej, tsuas yog cov seem no tuaj yeem ua tau raws li qhov koj xav tau.

Yog tias koj muaj kev txhawj xeeb txog cov nqi ntxiv uas tsis muaj feem ntawm A thiab B, koj tuaj yeem xav txog qhov kev xav ntxiv rau txoj kev npaj Medigap. Qhov no tuaj yeem pab them rau tej yam xws li feem them them, uas tuaj yeem ntxiv nyiaj ntxiv thaum PT.

Phaj C cov kev npaj suav nrog qee yam duav tau nyob rau ntu A thiab B. Txawm li cas los xij, lawv kuj tseem tuaj yeem duav tau cov kev pabcuam uas tsis duav los ntawm cov ntu no. Yog tias koj yuav xav tau cov kev pab them nqi kho hniav, kho qhov muag, lossis kev tawm dag zog ntxiv rau PT, xav txog Qhov Phaj C.

Ntu D suav nrog kev them tshuaj noj. Nws tuaj yeem ntxiv rau ntu A thiab B thiab feem ntau muaj nyob hauv Phaj C cov phiaj xwm. Yog tias koj twb tau noj tshuaj kho mob los yog paub tias lawv yuav yog ib feem ntawm koj txoj kev npaj kho mob, saib mus rau Part D.

Hauv qab kab

Medicare Tshooj B npog cov neeg mob PT thaum kho mob tsim nyog. Kev khomob yuav tsum txhais tias PT uas koj tau txais yuav tsum muaj kev kuaj mob lossis kho koj tus mob kom zoo.

Nws tsis muaj qhov nqi dab tsi rau PT cov nuj nqis uas Medicare yuav them. Txawm li cas los xij, tom qab ib qho kev pib rau koj tus kws kho mob lub cev yuav xav paub meej tias cov kev pabcuam koj tau txais yog kev khomob tsim nyog.

Lwm cov phiaj xwm Medicare, xws li Ntu C thiab Medigap, tuaj yeem them cov nuj nqis cuam tshuam nrog PT. Yog tias koj tab tom saib ntawm ib qho ntawm cov no, nco ntsoov sib piv ntau lub phiaj xwm ua ntej xaiv ib qho txij thaum kev pab them nqi tuaj yeem sib txawv raws qhov phiaj xwm.

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.