Medicare Them Nqi Kho Nyob?

Zoo Siab

• Thaum twg Medicare them rau kev pab nyob?
• Qhov twg hauv Medicare pab them kev kho mob?
• Medicare Tshooj A
• Medicare Tshooj B
• Medicare Tshooj C
• Medicare Tshooj D
• Medigap
• Cov phiaj xwm Medicare twg thiaj yuav yog qhov zoo tshaj yog tias koj paub koj lossis ib tug neeg koj hlub yuav xav tau kev pab tu nyob hauv xyoo 2020?
• Xav txog kev xav tau kev noj qab haus huv
• Dab tsi yog pab kom nyob?
• Pab them nqi zov tsev ntau npaum li cas?
• Hauv qab kab

Thaum peb laus zuj zus lawm, peb yuav xav tau kev pab ntau dua nrog peb cov haujlwm txhua hnub. Hauv cov xwm txheej no, kev pab nyob tau yog ib txoj hauv kev.

Kev muaj txoj sia nyob yog ib hom kev pab tu mus sij hawm ntev uas pab saib xyuas koj kev noj qab haus huv thiab pab ua si txhua hnub thaum tseem txhawb kev ywj pheej.

Feem ntau Medicare tsis duav txog kev saib xyuas ncua ntev zoo li kev pab cuam muaj sia nyob.

Nyeem ntxiv thaum peb sib tham txog Medicare, pab kev ua neej nyob, thiab cov kev xaiv los pab them rau qee yam ntawm cov kev pab no.

Thaum twg Medicare them rau kev pab nyob?

Medicare tsuas them rau kev saib xyuas mus ntev yog tias koj xav tau kev saib xyuas mob siab rau kev txhawb nqa hauv kev ua neej nyob txhua hnub thiab xav tau kev kho mob, kev saib xyuas mob, lossis kev kho lub cev, uas pom nyob hauv tsev laus, tom qab nkag hauv tsev kho mob. Nyob hauv cov chaw no feem ntau tsuas them rau ib lub sijhawm luv (txog 100 hnub).

Kev pab cov tsev nyob sib txawv ntawm cov tsev tu neeg muaj txuj ci. Cov neeg nyob hauv lub neej pab txhawb yog feem ntau ywj siab dua li cov neeg nyob hauv tsev laus tab sis lawv tseem muab kev saib xyuas 24 xuaj moos thiab pab ua haujlwm xws li hnav khaub ncaws lossis da dej.

Hom kev khomob tsis khomob no hu ua kev saib xyuas rau lwm tus. Medicare tsis them rau kev saib xyuas tus neeg. Txawm li cas los xij, yog tias koj nyob hauv ib qho chaw muaj neeg pab tau, tej zaum yuav muaj qee yam uas Medicare tseem yuav them, suav nrog:

• qee qhov tsim nyog lossis tiv thaiv kev khomob lossis kho mob-cuam tshuam
• koj cov tshuaj noj
• kev nyab xeeb lossis tawm dag zog
• kev caij tsheb mus rau kws kho mob lub sijhawm teem tseg

Qhov twg hauv Medicare pab them kev kho mob?

Qhia kom tob me ntsis rau hauv feem twg ntawm Medicare yuav them rau cov kev pab cuam uas cuam tshuam nrog koj qhov kev pab nyob hauv pab.

Medicare Tshooj A

Ntu A yog kev tuav pov hwm hauv tsev kho mob. Nws suav nrog hom kev saib xyuas txuas mus ntxiv no:

• pw hauv tsev kho mob
• pw hauv tsev kho mob hauv lub tsev kho mob puas siab ntsws
• cov neeg laus nyob hauv tsev laus
• tsev kho mob
• tsev kho mob

Ntu A tsis pab them rau kev tu neeg nrog koom nrog kev pab nyob.

Medicare Tshooj B

Ntu B yog kev tuav pov hwm kho mob. Nws npog:

• Kev saib xyuas sab nrauv
• kev khomob tsim nyog
• ib co kev tiv thaiv mob

Txawm hais tias cov kev pab no tej zaum yuav tsis muab rau hauv ib qho chaw muaj neeg pab, koj tseem yuav tau siv lawv. Qhov tseeb, qee qhov chaw pabcuam muaj peev xwm pab tau kev kho mob nrog koj tus kws saib xyuas kev noj qab haus huv.

Piv txwv ntawm cov khoom uas duav nrog Tshooj B suav nrog:

• tej yam kev kuaj sim
• tshuaj tiv thaiv, xws li cov uas rau mob ua npaws thiab mob siab B
• kuaj xyuas kab mob plawv
• kev pab kho lub cev
• Kev kuaj mob khees xaws, xws li cov mob cancer ntawm lub mis, ncauj tsev menyuam, lossis mob hnyuv loj
• Cov kev pab cuam lim raum thiab cov khoom siv
• cov khoom siv ntshav qab zib thiab khoom siv
• kev kho tshuaj

Medicare Tshooj C

Phaj C cov phiaj xwm tseem raug xa mus rau raws li phiaj xwm Advantage. Lawv tau muab los ntawm cov tuam txhab tuav pov hwm ntiag tug uas tau pom zoo los ntawm Medicare.

Phaj C cov kev npaj muaj xws li cov kev pab cuam hauv ntu A thiab B thiab qee zaum kev pab them cov kev pab ntxiv, xws li pom kev, hnov ​​lus, thiab kho hniav. Tus nqi thiab cov kev pab them nqi tuaj yeem sib txawv raws qhov phiaj xwm ib leeg muaj.

Zoo ib yam li Medicare thawj (tshooj A thiab B), Phaj C tsis tau them rau kev pab nyob. Txawm li cas los xij, lawv tseem yuav them rau qee cov kev pabcuam yog tias koj nyob hauv ib qhov chaw muaj kev pab cuam uas tsis suav nrog lawv, xws li kev thauj mus los thiab kev tawm dag zog lossis kev noj qab haus huv.

Medicare Tshooj D

Tshooj D yog kev duav tshuaj. Zoo li Ntu C, cov tuam txhab pov hwm kev lag luam muaj cov phiaj xwm no. Cov nqi kho mob thiab tus nqi them tuaj yeem sib txawv raws li cov phiaj xwm phiaj xwm.

Medicare Part D cov kev pab them nqi kho mob pom zoo tsis hais koj nyob qhov twg. Yog tias koj nyob hauv ib qho chaw muaj neeg pab tau thiab tau noj cov tshuaj uas sau rau hauv, Phaj D yuav them rau.

Medigap

Koj tuaj yeem pom Medigap xa mus ua kev pov hwm ntxiv. Medigap pab them rau cov khoom uas Tus Thawj Medicare tsis pab. Txawm li cas los xij, Medigap feem ntau tsis pab them rau kev saib xyuas mus ntev, xws li kev pab ua neej nyob.

Cov phiaj xwm Medicare twg thiaj yuav yog qhov zoo tshaj yog tias koj paub koj lossis ib tug neeg koj hlub yuav xav tau kev pab tu nyob hauv xyoo 2020?

Yog li, koj tuaj yeem ua li cas yog tias koj tus kheej lossis tus neeg koj hlub yuav xav tau kev pab saib xyuas nyob hauv lub xyoo tom ntej? Muaj qee qhov koj tuaj yeem ua los pab txiav txim siab yuav ua licas.

Xav txog kev xav tau kev noj qab haus huv

Txawm hais tias Medicare tsis them rau kev pab ua neej nyob nws tus kheej, koj tseem xav tau kev kho mob thiab kev pab cuam. Nco ntsoov txheeb xyuas koj cov phiaj xwm kev xaiv nyob hauv Medicare ua ntej xaiv phiaj xwm.

Nco ntsoov tias Ntu C (Cov Kev Ua Tau Zoo) cov phiaj xwm yuav muab kev pab ntxiv, xws li pom kev, kho hniav, thiab hnov ​​lus. Lawv kuj tseem tuaj yeem suav nrog cov txiaj ntsig txuas ntxiv, xws li kev koom tes ua si thiab thauj mus cuag kws kho mob.

Yog koj paub tias koj yuav xav tau kev pab them tshuaj, xaiv Part D. Ntau qhov, Ntu D nrog rau hauv Part C cov phiaj xwm.

Txij li cov nuj nqis tshwj xeeb thiab cov kev pov hwm hauv seem C thiab D tuaj yeem sib txawv los ntawm phiaj xwm mus rau phiaj xwm, nws tseem ceeb kom sib piv ntau cov phiaj xwm ua ntej xaiv ib qho. Qhov no tuaj yeem ua tiav ntawm Medicare lub vev xaib.

Medicare tsis pab them rau txoj kev ua neej nyob pab, yog li koj yuav tau txiav txim siab seb koj yuav them rau nws li cas. Muaj ntau txoj kev xaiv tau:

• Hauv hnab ris. Thaum koj xaiv them tawm hauv hnab tshos, koj yuav them tag nrho cov nqi ntawm kev pab tu koj tus kheej.
• Medicaid. Nov yog sib koom ua ke ntawm tseem hwv thiab lub xeev uas muab kev kho mob pub dawb lossis tus nqi qis rau cov tib neeg tsim nyog tau txais. Cov kev pab cuam thiab qhov tsim nyog tau txais yuav sib txawv raws xeev. Kawm paub ntau ntxiv los ntawm kev saib Medicaid lub vev xaib.
• Kev tuav pov hwm kev saib xyuas ncua ntev. Nov yog hom cai pov hwm kev noj qab haus huv uas tshwj xeeb hais txog kev saib xyuas ncua ntev, suav nrog kev saib xyuas me.

Dab tsi yog pab kom nyob?

Kev pab txoj sia yog ib hom kev pab tu mus sij hawm ntev rau cov tib neeg uas xav tau kev pab nrog lawv cov haujlwm txhua hnub tab sis tsis tas yuav muaj kev pab lossis kev kho mob ntau npaum li tau muab hauv tsev laus (tsev laus).

Cov chaw muaj neeg pab tau tuaj yeem yog cov chaw nyob ib leeg lossis ib feem ntawm tsev laus lossis tsev laus hauv zej zog neeg so. Cov neeg nyob hauv feem ntau nyob hauv lawv tus kheej cov chav lossis chav thiab muaj kev nkag mus rau ntau thaj chaw.

Kev pab nyob tau zoo ib yam li tus choj ntawm kev nyob hauv tsev thiab nyob hauv lub tsev laus. Nws tsom rau kev sib txuas tsev nyob, kev saib xyuas kev noj qab haus huv, thiab kev pabcuam nrog saib xyuas tus kheej, thaum cov neeg nyob hauv nroog tswj kev ywj pheej kom ntau li ntau tau.

Cov kev pab nyob hauv ib qhov chaw muaj neeg pab tau ntau xws li:

• 24-teev kev saib xyuas thiab saib xyuas
• pab rau kev ua si txhua hnub, xws li hnav khaub ncaws, da dej, lossis noj mov
• cov pluas noj muab nyob hauv ib pab pawg noj mov
• npaj kev kho mob lossis kev noj qab haus huv rau cov pej xeem
• kev tswj kev siv tshuaj lossis kev nco qhia
• kev pab tu vaj tu tsev thiab ntxhua khaub ncaws
• kev ua si thiab kev nyab xeeb
• npaj kev mus los

Pab them nqi zov tsev ntau npaum li cas?

Nws tau kwv yees tias cov nqi nruab nrab ntawm cov kev pab nyob muaj sia yog. Tus nqi tuaj yeem siab dua lossis qis dua qhov no. Nws tuaj yeem nyob ntawm ntau yam, nrog rau:

• qhov chaw ntawm qhov chaw zov me nyuam
• qhov chaw xaiv tshwj xeeb
• theem kev pabcuam lossis kev saib xyuas uas xav tau

Vim Medicare tsis them rau kev ua neej nyob, cov nqi feem ntau yog them hauv hnab tshos, dhau los ntawm Medicaid, lossis los ntawm kev tuav pov hwm saib xyuas ncua ntev.

Yog tias tus neeg hlub raug tso npe rau hauv Medicare rau xyoo tom ntej, ua raws li tsib yam kev qhia no kom pab lawv rau npe:

• Sau npe. Cov tib neeg uas tsis tau khaws cov txiaj ntsim Xaus Saus yuav tsum tau kos npe.
• Ceev faj txog qhov qhib rau npe nkag. Nov yog thaum Kaum Hlis 15 txog Kaum Ob Hlis 7 txhua txhua xyoo. Koj tus hlub tuaj yeem tso npe lossis hloov pauv lawv cov phiaj xwm rau lub sijhawm no.
• Sib tham txog lawv cov kev xav tau. Txhua tus neeg txoj kev noj qab haus huv thiab kev kho mob sib txawv. Muaj kev sib tham nrog tus koj hlub txog dab tsi cov kev xav tau no ua ntej txiav txim siab txog txoj phiaj xwm.
• Ua kev sib piv. Yog tias tus koj hlub tau saib rau Medicare feem C lossis D, sib piv ntau cov phiaj xwm uas tau muaj hauv lawv thaj chaw. Qhov no tuaj yeem pab lawv kom tau txais cov txiaj ntsig uas tau raws li lawv li kev kho mob thiab nyiaj txiag.
• Muab cov ntaub ntawv. Social Security Administration thov tau kom koj muab cov ntaub ntawv hais txog koj kev txheeb ze rau tus koj hlub. Ib qho ntxiv, tus koj hlub yuav tsum kos npe rau Medicare thov lawv tus kheej.

Hauv qab kab

Kev nyob pab yog ib theem ntawm kev nyob hauv tsev thiab nyob hauv lub tsev laus. Nws muab kev tshuaj xyuas mob thiab pab nrog kev ua haujlwm txhua hnub thaum muab kev ywj pheej ntau li ntau tau.

Medicare tsis them rau cov kev pab nyob. Txawm li cas los xij, nws yog ib qho tseem ceeb kom nco ntsoov tias Medicare tseem yuav them rau qee cov kev kho mob uas koj xav tau, xws li kev kho mob sab nrauv, tshuaj siv tshuaj thiab lwm yam xws li kho hniav thiab kho qhov muag.

Tus nqi ntawm kev pab nyob yuav sib txawv nyob ntawm koj qhov chaw nyob thiab theem ntawm kev saib xyuas koj xav tau. Kev pab txoj kev pab tu nyob ib txwm them rau hauv cov hnab tshos, los ntawm Medicaid, lossis los ntawm cov cai tuav pov hwm kev saib xyuas ncua ntev.

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.

Nyeem kab lus no ua lus Mev