Nws yog Xwmtxheej Ceev! Medicare Tshooj Duav Puas Npaum Chav Kho Mob ti tes ti taw?

Zoo Siab

• Medicare Tshooj A puas duav cov kev ntsib ER?
• Yuav ua li cas yog MOON daim ntawv?
• Qhov txawv ntawm daim ntawv them nyiaj (copays) thiab nyiaj npib (insurance) them dab tsi
• Qhov twg ntawm Medicare them rau kev saib xyuas ER yog tias koj tsis mus rau hauv tsev kho mob?
• Medicare Tshooj B
• Medicare Tshooj C
• Medigap
• Medicare Tshooj D
• Cov kev pabcuam koj tuaj yeem tau txais ntawm ER
• Qhov nruab nrab ntawm qhov mus ntsib ER ntau npaum li cas?
• Yuav ua li cas yog lub tsheb thauj neeg mob coj kuv mus rau ER?
• Thaum twg kuv yuav tsum mus rau ER?
• Cov nqa mus

Medicare Tshooj A qee zaus hu ua "ntawv pov hwm hauv tsev kho mob," tab sis nws tsuas yog them cov nqi hauv chav kho mob ti tes ti taw (ER) yog tias koj tau mus pw hauv tsev kho mob los kho tus mob lossis raug mob uas ua rau koj mus rau ER.

Yog tias koj qhov mus ntsib ER tsis raug pab them los ntawm Medicare Tshooj A, tej zaum koj yuav tau txais kev pab them nyiaj los ntawm Medicare Tshooj B, C, D, lossis Medigap, nyob ntawm koj cov phiaj xwm tshwj xeeb.

Nyeem rau kom paub ntau ntxiv txog Ntu A rau cov kev mus ntsib ER, suav nrog dab tsi yuav los yog tsis them, thiab lwm yam kev pab them nqi koj yuav muaj.

Medicare Tshooj A puas duav cov kev ntsib ER?

Yog tias koj raug kho thiab tso tawm los ntawm chav haujlwm xwm txheej kub ntxhov ceev yam tsis tau mus pw hauv tsev kho mob thaum tuaj pw, yuav muaj feem Medicare Tshooj A yuav tsis them rau koj qhov mus ntsib ER.

Txawm hais tias koj nyob hauv ER hmo ntuj, Medicare Ntu A txiav txim koj sab nraum zoov tshwj tsis yog kws kho mob sau ntawv tso cai lees koj rau lub tsev kho mob hais txog kev kho mob.

Yuav luag txhua lub sijhawm, koj yuav tsum raug cia nyob hauv tsev kho mob ib ntu ob zaug sib law liag rau Medicare Tshooj A kom pab them koj cov nqi ntsib.

Yuav ua li cas yog MOON daim ntawv?

Koj daim ntawv MOON yuav piav qhia tias vim li cas koj thiaj nyob hauv tsev kho mob thaum mus pw sab nraud thiab koj yuav tsum saib xyuas dab tsi thaum koj mus tsev. Tau txais HLI yog ib txoj hauv kev qhia qhov twg ntawm Medicare yuav them ib feem ntawm koj daim nqi.

Yog tias tus kws kho mob lees koj mus rau lub tsev kho mob tom qab tau mus ntsib ER thiab koj nyob hauv tsev kho mob li ob nrab hnub lossis ntev dua, Medicare Tshooj A them nyiaj rau koj pw hauv tsev kho mob ntxiv nrog cov nqi sab nraud los ntawm koj mus ntsib ER.

Koj tseem yuav yog lub luag haujlwm rau qhov koj them ua tsis tau, cov nqi them, thiab cov nqi them sib ntxiv. Yog koj tsis paub meej tias puas yog koj raug saib xyuas sab nrauv lossis pw sab hauv, nug tus kws kho mob kho koj. Yog tias koj muaj lub hom phiaj Medigap, nws yuav them qee feem ntawm koj feem them nqi lossis them nyiaj them ua ntej.

Qhov txawv ntawm daim ntawv them nyiaj (copays) thiab nyiaj npib (insurance) them dab tsi

• Cov Nqi Them yog tus nqi them uas koj them rau kev khomob lossis mus kuaj mob. Thaum koj tuaj saib ER, tej zaum koj yuav muaj ntau qhov nqi them them raws li cov kev pabcuam koj tau txais. Nyob ntawm seb tsev khomob them nqi licas, koj yuav tsis tshuav nqi them uantej tomqab koj tuaj ntsib nws.
• Tuam Kho Mob yog qhov feem pua ​​ntawm daim nqi uas koj yog lub luag haujlwm. Feem ntau, Medicare hais kom koj them 20 feem pua ​​ntawm cov nqi rau koj cov kev saib xyuas.

Qhov twg ntawm Medicare them rau kev saib xyuas ER yog tias koj tsis mus rau hauv tsev kho mob?

Medicare Tshooj B

Qhov xov xwm zoo yog tias Medicare Part B (ntawv faj seeb kho mob) feem ntau them rau koj cov kev mus ntsib ER txawm hais tias koj tau raug mob, koj muaj mob ib ce sai heev, lossis mob ib ce hloov zuj zus.

Medicare Tshooj B feem ntau them 80 feem pua ​​ntawm koj cov nqi. Koj yuav tsum lav 20 feem pua ​​ntxiv. Hauv 2021, ib xyoos twg Feem C them tawm yog $ 203.

Medicare Tshooj C

Medicare Tshooj C (Medicare Advantage) kuj tseem them rau ER thiab cov nuj nqis saib xyuas sai. Txawm hais tias Medicare seem B thiab C feem ntau them rau kev mus ntsib ER, koj tseem yuav tau them tus nqi txiav tawm, them nqi, thiab nqi ntxiv nrog rau koj cov nqi them txhua hli rau cov phiaj xwm no.

Medigap

Yog tias koj muaj Medigap (Medicare pab kas phais ntxiv) ntxiv rau koj Tshooj B txoj kev npaj khomob, nws tuaj yeem pab koj them 20 feem pua ​​ntawm tus nqi thaum mus ntsib ER.

Medicare Tshooj D

Medicare Tshooj D yog kev duav nqi tshuaj. Yog tias koj tau muab tshuaj IV thaum nyob hauv ER, Medicare feem B lossis C yuav them rau feem ntau.

Txawm li cas los xij, yog tias koj xav tau cov tshuaj uas koj ib txwm noj hauv tsev thiab nws tau muab los ntawm tsev kho mob thaum nyob hauv ER, uas yog suav hais tias yog cov tshuaj nws tus kheej. Yog tias cov tshuaj uas koj muab rau hauv koj daim Medicare Tshooj D tshuaj, Tshooj D yuav them rau qhov tshuaj ntawd.

Cov kev pabcuam koj tuaj yeem tau txais ntawm ER

Koj yuav tau txais ntau hom kev pabcuam koj yuav xav tau thaum lub sijhawm tuaj saib xyuas ER, suav nrog:

• kev kuaj mob kub ntxhov los ntawm ib lossis ntau tus kws kho mob
• kev kuaj sim
• Kev xoo hluav taws xob
• kuaj los yog kuaj
• kev kho mob lossis phais mob
• cov khoom siv kho mob thiab khoom siv, zoo li tus pas txheem
• tshuaj noj

Cov kev pabcuam thiab cov khoom siv no tuaj yeem suav ua ke lossis nyias nyob nyias, nyob ntawm lub tsev khomob koj mus ntsib.

Qhov nruab nrab ntawm qhov mus ntsib ER ntau npaum li cas?

Cov kwv yees kwv yees tias 145 lab cov neeg mus ntsib chav xwm txheej ceev txhua xyoo, nrog rau me ntsis ntau dua 12.5 lab ntawm lawv tau mus pw hauv tsev kho mob rau kev kho mob hauv tsev neeg.

Lub Tsev Haujlwm Saib Xyuas Kev Noj Qab Haus Huv thiab Tib Neeg (HHS) hais tias cov nyiaj nruab nrab uas cov neeg them rau kev mus ntsib ER xyoo 2017 yog $ 776. Tus nqi koj yuav tsum them yuav txawv nyob ntawm koj nyob qhov twg, koj tau txais kev kho mob rau, thiab cov kev pab them nqi kho mob koj li phiaj xwm muab.

Yuav ua li cas yog lub tsheb thauj neeg mob coj kuv mus rau ER?

Medicare Tshooj B yuav them rau kev caij tsheb thauj neeg mob mus rau ER yog tias koj lub cev yuav raug kab mob kev puas tsuaj los ntawm kev mus lwm txoj kev.

Piv txwv li, yog koj tau raug mob thiab saib xyuas hauv lub tsheb thauj neeg mob tuaj yeem cawm koj txoj sia, Medicare yuav them nyiaj rau koj los ntawm lub tsheb thauj neeg mob mus rau qhov chaw kho mob ze tshaj plaws.

Yog tias koj xaiv los kho nyob rau hauv ib qho chaw nyob deb dua, koj yuav yog lub luag haujlwm rau qhov sib txawv ntawm tus nqi rau kev thauj mus los ntawm ob lub tuam tsev.

Thaum twg kuv yuav tsum mus rau ER?

Yog tias koj lossis ib tug neeg koj hlub muaj ib qho ntawm cov tsos mob no, koj yuav tsum nrhiav kev saib xyuas ntawm ER tam sim:

• cov cim ntawm tus neeg mob stroke, xws li hais lus tsis meej, tsis muaj zog ntawm ib sab, lossis nqis rau ntawm lub ntsej muag
• cov cim ntawm lub plawv nres, xws li mob hauv siab, ua tsis taus pa, kiv taub hau, tawm hws, lossis ntuav
• cov tsos mob ntawm lub cev qhuav dej, nrog rau lub plawv dhia ceev, kiv taub hau, mob plab, thiab nqhis dej heev

Thaum koj mus rau ER, nco ntsoov koj nqa cov ntaub ntawv pov hwm, nrog rau cov npe tshuaj tam sim no.

Cov nqa mus

Yog tias koj lossis tus neeg koj hlub yuav tsum mus rau ER, nws yog ib qho tseem ceeb kom paub tias Medicare Tshooj A tsis feem ntau them rau kev mus ntsib ER tshwj tsis yog tus neeg mob mus pw hauv tsev kho mob.

Medicare Part B thiab Medicare Advantage cov phiaj xwm (Medicare Tshooj C) feem ntau them 80 feem pua ​​ntawm tus nqi ntawm kev pabcuam ER, tab sis cov neeg mob muaj lub luag haujlwm rau kev them nyiaj npib, kev them nyiaj thiab cov nqi txiav tawm.

Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 13, 2020, kom pom zoo 2021 Cov ntaub ntawv Medicare.

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.