Ua Qhov Tsis Yog Medicare, Medigap, thiab Medicare Advantage Cover Preexisting Cov Kev Mob?

Zoo Siab

• Puas Medicare cov phiaj xwm pab them rau kev kho mob preexisting?
• Koj puas tuaj yeem raug tsis kam lees Medigap kev pab them?
• Medicare Advantage puas pab them cov kev ua haujlwm preexisting?
• Medicare Advantage Kev Xav Tau Tshwj Xeeb cov phiaj xwm
• Nqa Nyiaj

Original Medicare - uas suav nrog Ntu A (kev tuav pov hwm hauv tsev kho mob) thiab Tshooj B (ntawv pov hwm kho mob) - duav txog kev kho mob preexisting.

Tshooj Medicare D (ntawv pov hwm tshuaj) yuav puav leej them rau cov tshuaj koj tau noj tam sim no rau koj qhov kev muaj mob.

Kav tsij nyeem ntxiv kom paub ntau ntxiv txog cov phiaj xwm Medicare pab them nyiaj rau lwm tus li cas, thiab muaj xwm txheej dab tsi yuav tsis kam lees koj.

Puas Medicare cov phiaj xwm pab them rau kev kho mob preexisting?

Cov phiaj xwm Medicare pab txhawb ntxiv (cov phiaj xwm Medigap) muaj los ntawm cov tuam txhab ntiag tug uas pom zoo los ntawm Medicare. Cov kev npaj khomob Medigap them rau qee cov nqi tsis suav nrog tus qauv Medicare qub, xws li txo nqi, nqi them, thiab them nyiaj ntxiv.

Yog tias koj yuav Medigap txoj kev npaj thaum lub sijhawm koj qhib rau npe nkag, txawm tias koj muaj lub sijhawm ua haujlwm preexisting, koj tuaj yeem tau txais ib tsab cai Medigap muag hauv koj lub xeev. Koj yuav tsis raug tsis lees paub kev pab them nqi thiab koj yuav tau them tus nqi tib yam nkaus li cov neeg uas tsis muaj preexisting mob.

Koj lub sijhawm qhib rau npe rau Medigap kev pab them nqi pib lub hlis uas koj muaj 65 xyoos thiab / lossis sau npe rau Medicare Tshooj B.

Koj puas tuaj yeem raug tsis kam lees Medigap kev pab them?

Yog tias koj thov Medigap kev pab them nqi tom qab koj qhib lub sijhawm nkag, koj yuav tsis tau txais kev kho mob raws kev cai thiab yuav raug tsis kam lees kev pab them nqi.

Medicare Advantage puas pab them cov kev ua haujlwm preexisting?

Medicare Advantage cov kev pab them nqi (Medicare Tshooj C) yog muab los ntawm cov tuam txhab ntiag tug uas pom zoo los ntawm Medicare. Cov phiaj xwm no tau muab suav nrog Medicare Part A thiab B, feem ntau Medicare Part D, thiab feem ntau pab them ntxiv xws li kho hniav thiab kho qhov muag.

Koj tuaj yeem koom nrog Medicare Advantage txoj kev npaj yog tias koj muaj lub sijhawm preexisting tshwj tsis yog tias qhov kev pabcuam preexisting yog qhov kawg mob raum tsis zoo (ESRD).

Medicare Advantage Kev Xav Tau Tshwj Xeeb cov phiaj xwm

Medicare Advantage Xav Tau Cov Kev Xav Tau Tshwj Xeeb (SNPs) suav nrog Medicare Tshooj A, B, thiab D thiab tsuas muaj rau cov neeg muaj qee yam mob xws li:

• autoimmune ntshawv siab: tus kab mob celiac, mob pob txha caj qaum, mob caj dab
• mob cancer
• qee yam, xiam oob khab lub cev xeeb ceem
• cov kab mob plawv
• quav tshuaj muaj yees thiab / los yog dej cawv
• mob plawv tsis ua hauj lwm
• cov kab mob hauv lub ntsws ua haujlwm tsis zoo: mob hawb pob, COPD, emphysema, mob ntsws ntsig
• dementia
• mob ntshav qab zib mellitus
• kawg mob rau daim siab mob
• mob rau cov mob raum ntu kawg (ESRD) uas yuav tsum tau lim ntshav
• HIV / AIDS
• hematological ntshawv siab: txoj hlab ntshav sib sib zog (DVT), cov ntshav qog ntshav tsis zoo, thrombocytopenia
• cov leeg mob: mob vwm, ntau yam sclerosis, Kab mob Parkinson, ALS
• mob stroke

Yog tias koj tsim nyog muaj npe rau SNP thiab muaj phiaj xwm hauv zos muaj, koj tuaj yeem tso npe txhua lub sijhawm.

Yog tias koj tsis tsim nyog tau txais Medicare SNP, koj tuaj yeem hloov koj qhov kev pab them nyiaj nyob rau lub sijhawm sau npe tshwj xeeb uas pib thaum koj ceeb toom los ntawm koj li SNP tias koj tsis muaj cai tau txais txoj kev npaj khomob ntxiv lawm thiab txuas ntxiv rau 2 hlis tomqab kev fajseeb khomob tau tas.

Nqa Nyiaj

Original Medicare - Ntu A (ntawv pov hwm tsev kho mob) thiab Tshooj B (ntawv pov hwm kho mob) - duav txog kev kho mob preexisting.

Yog tias koj muaj preexisting mob, xav txog kev kos npe rau Medigap phiaj xwm (phiaj xwm Medicare pab cuam ntxiv) txoj cai.

Medigap muaj lub sijhawm qhib nkag rau lub sijhawm uas koj tsis tuaj yeem tsis lees paub kev pabcuam, thiab koj yuav tau them tus nqi tib yam nkaus li cov neeg uas tsis muaj preexisting. Tej zaum koj yuav tsis kam lees koj cov kev pab yog tias koj rau npe nkag rau lwm lub caij qhib nkag.

Yog tias koj tab tom txiav txim siab Medicare Advantage txoj kev pab them nqi kho mob, nyob ntawm koj qhov kev pab preexisting, koj yuav raug taw qhia rau Medicare Advantage Tshwj Xeeb Xav Tau cov kev npaj (SNP).

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.