Medicare Tshooj C Npaum Li Cas Xyoo 2021?
Zoo Siab
- Medicare Tshooj C yog dab tsi?
- Cov lus qhia txog kev xaiv txoj kev npaj ua hom phiaj
- Cov ntsiab lus uas cuam tshuam rau koj qib Medicare feem C cov nqi
- Cov Nyiaj Hwm
- Tej lus ntuas
- Cov nyiaj them poob haujlwm thiab cov nyiaj them poob haujlwm
- Hom phiaj hom
- Txoj kev ua neej
- Nyiaj tau los
- Kev tawm ntawm hnab ris ntau
- Tswj Feem C Nqi
- Medicare Tshooj C yuav raug nqi li cas?
- Medicare Advantage puas kim dua qhov qub Medicare?
- Kuv Yuav Them Nyiaj Them Kuv Tshooj C li cas?
- Pab them rau Medicare
- Cov nqa mus
- Medicare Tshooj C yog ib ntawm ntau qhov kev xaiv Medicare.
- Phaj C cov phiaj xwm kho mob cov Medicare thawj duav tau, thiab ntau yam hauv Phaj C kev npaj kho mob ntxiv rau cov khoom xws li kho hniav, kho qhov muag, thiab hnov lus.
- Ntu C yog tswj hwm los ntawm cov tuam txhab tuav pov hwm ntiag tug thiab cov nqi los yog teeb tsa los ntawm cov tuam txhab no.
- Phaj C cov phiaj xwm muaj rau koj yog raws li koj tus ZIP code.
- Koj tuaj yeem tshawb nrhiav Medicare lub vev xaib kom pom cov phiaj xwm pabcuam twg hauv koj thaj chaw.
Thawj Medicare thiab Medicare Tshooj C yog cov kev fajseeb khomob sib txawv nrog cov nqi sib txawv.
Muaj ntau yam cuam tshuam los txiav txim Medicare Tshooj C cov nqi, xws li nqi them, cov nqi them tawm, nqi them them, thiab nqi them rau qhov zoo. Cov nqi no tuaj yeem suav txij li $ 0 txog ntau pua daus las rau cov nqi them txhua hli thiab qhov rho tawm txhua xyoo.
Hauv tsab xov xwm no, peb yuav tshawb xyuas Medicare Tshooj C cov nuj nqis, cov txiaj ntsig uas tau ua rau lawv, thiab sib piv ob peb tus nqi npaj los ntawm ib ncig tebchaws Asmeskas.
Medicare Tshooj C yog dab tsi?
Medicare Advantage (Tshooj C) yog lwm txoj kev xaiv rau qhov qub Medicare muab los ntawm cov tuam txhab tuav pov hwm ntiag tug.
Yog tias koj twb tau txais Medicare qub tabsis xav tau kev pab them ntxiv rau cov tshuaj thiab lwm yam kev pabcuam, Medicare Tshooj C tej zaum yuav yog qhov kev xaiv zoo rau koj.
Nrog rau feem ntau Medicare Part C cov phiaj xwm, koj tau them rau:
- Pab them hauv tsev kho mob (Tshooj A). Nov yog hais txog cov kev khomob hauv tsev khomob, kev tu mob hauv tsev, kev saib xyuas hauv tsev laus, thiab kev saib xyuas tsev laus.
- Kev pab them nqi kho mob (Tshooj B). Qhov no suav nrog kev tiv thaiv, kuaj mob, thiab kev kho mob ntsig txog kev kho mob.
- Kev yuav tshuaj noj tshuaj (Tshooj D). Nov qhia txog cov nqi tshuaj nyob ib hlis ib zaug.
- Kho hniav, kho qhov muag, thiab hnov pob ntseg. Qhov no suav nrog kev kuaj xyuas txhua xyoo thiab qee cov cuab yeej pabcuam tsim nyog.
- Ntxiv perks. Qee cov phiaj xwm qhia txog kev noj qab haus huv, xws li kev koom tes ua si thiab kev thauj mus los ntawm kws kho mob.
Thaum koj xaiv qhov Medicare Part C plan, muaj ntau txoj kev pab them nqi uas koj xaiv tau los ntawm. Cov phiaj xwm kev xaiv muaj xws li:
- Cov koom haum saib xyuas kev noj qab haus huv (HMOs)
- Cov Koom Haum Uas Muaj Kev Zov Me Nyuam (PPOs)
- Kev Nto Nqi-rau-Kev Pabcuam (PFFS)
- Cov Ntawv Xav Tau Tshwj Xeeb (SNPs)
- Medicare Cov Nyiaj Txiag (MSAs)
Txhua ntawm cov phiaj xwm no muaj cov kev pab sib txawv raws li koj tus mob.
Cov lus qhia txog kev xaiv txoj kev npaj ua hom phiaj
Muaj ntau ntau yam yuav tau txiav txim siab thaum xaiv Medicare Advantage txoj kev npaj. Xav txog koj li kev xav tau kev noj qab haus huv, koj tuaj yeem tau txais nyiaj npaum li cas, hom kev fajseeb tam sim no koj muaj, thiab nws tau txais qhov koj xav tau zoo npaum li cas.
Koj tseem tuaj yeem siv Medicare qhov nrhiav cov phiaj xwm phiaj xwm los sib piv cov phiaj xwm kom ntseeg tau tias txoj kev pab them nqi koj xaiv them raws li qhov koj xav tau.
Cov ntsiab lus uas cuam tshuam rau koj qib Medicare feem C cov nqi
Feem ntau ntawm koj qhov Medicare Tshooj C feem ntau yog them los ntawm lub hom phiaj koj xaiv. Txawm li cas los xij, koj txoj kev ua neej thiab kev nyiaj txiag kuj tseem tuaj yeem cuam tshuam koj cov nqi.
Nov yog qee qhov xwm txheej feem ntau uas cuam tshuam dab tsi koj yuav them rau Medicare Part C txoj phiaj xwm.
Cov Nyiaj Hwm
Qee qhov kev npaj Medicare Tshooj C yog "pub dawb," txhais tau tias lawv tsis muaj tus nqi txhua hli. Txawm hais tias muaj pes tsawg tus hwm Medicare Advantage txoj kev pab them nqi, tej zaum koj tseem tshuav them nqi Tshooj B.
Tej lus ntuas
Feem ntau ntawm Medicare Part C cov kev pab muaj ob qho phiaj xwm uas yus them yus thiab txiav tawm tau tshuaj noj. Ntau (tab sis tsis yog tag nrho) ntawm phiaj xwm Medicare Advantage pub dawb muaj cov phiaj xwm $ 0 uas txiav tawm tau.
Cov nyiaj them poob haujlwm thiab cov nyiaj them poob haujlwm
Cov nqi them yog tus nqi koj yuav tsum them rau txhua tus kws kho mob tuaj ntsib lossis nqa daim ntawv yuav tshuaj. Tus nqi them rau Coinsurance yog ib feem pua ntawm cov kev pabcuam koj yuav tsum tau them tawm hauv koj lub hnab nyiaj tom qab koj them tas qhov txiav tawm.
Yog koj txoj kev npaj them tus nqi them rau tus kws kho mob chav haujlwm thiab cov kws kho mob tshwj xeeb, cov nqi no tuaj yeem nce ntxiv sai sai rau cov neeg muaj mob uas ua mus ntsib cov chaw haujlwm ntau zaus.
Hom phiaj hom
Hom kev pab them nqi kho mob koj xaiv kuj tuaj yeem cuam tshuam txog koj qhov Medicare Part C txoj kev them nqi ntau npaum li cas. Piv txwv, yog tias koj nyob rau HMO lossis PPO txoj kev npaj khomob tab sis xaiv mus ntsib cov kws khomob sab nrauv, qhov no tuaj yeem nce koj cov nqi.
Txoj kev ua neej
Thaum Medicare thawj duav kev pabcuam thoob tebchaws, feem ntau Medicare Advantage cov phiaj xwm yog nyob raws qhov chaw. Qhov no txhais tau tias yog koj mus ncig ntau zaus, koj yuav pom koj tus kheej tawm ntawm cov nqi kho mob uas tsis nyob hauv nroog.
Nyiaj tau los
Koj cov nyiaj khwv tau tag nrho hauv ib xyoos kuj tseem tuaj yeem ua rau muab ntau npaum li cas koj yuav them rau koj cov nqi Medicare Seem C. Hais txog cov neeg uas tsis muaj nyiaj khwv tau los lossis cov peev txheej, muaj cov phiaj xwm uas tuaj yeem txo koj cov nuj nqis Medicare.
Kev tawm ntawm hnab ris ntau
Ib qho txiaj ntsig zoo ntawm Medicare Tshooj C yog tias txhua qhov Medicare Advantage cov kev npaj muaj qhov tshaj tawm ntawm hnab tshos. Tus nqi no nws txawv tab sis tuaj yeem yog txij li txhiab txhiab mus txog rau $ 10,000-ntxiv rau.
Tswj Feem C Nqi
Ib qho ntawm thawj qhov koj tuaj yeem ua los tswj hwm koj cov Medicare Tshooj C cov nuj nqis yog nyeem los ntawm cov ntawv ceeb toom ib xyoos nram qab no los ntawm koj txoj kev npaj:
- Pov thawj ntawm kev duav (EOC)
- Daim Ntawv Qhia Txhua Xyoo Txog Kev Hloov Pauv (ANOC)
Cov ntawv ceeb toom no tuaj yeem pab koj txiav txim siab seb koj yuav tau them dab tsi hauv koj lub tswv yim, nrog rau kev hloov pauv tus nqi uas yuav siv tau lwm xyoo.
Medicare Tshooj C yuav raug nqi li cas?
Muaj qee cov nqi sib txawv nrog Medicare Part C cov phiaj xwm. Cov nqi no suav nrog:
- Txhua hli Theem C hom phiaj hwm
- Tshooj B hwm
- hauv-tawm hauv kev them nqi
- tshuaj txiav tawm
- feem yus them
- paib pab
Koj cov nuj nqis yuav txawv nyob ntawm koj cov kev pab, hom phiaj, thiab seb koj tau txais kev pab nyiaj ntxiv.
Hauv qab no yog cov piv txwv me ntawm Medicare Phaj C cov nqi them los ntawm cov pab kas phais tseem ceeb hauv cov nroog hauv tebchaws United States:
| Phiaj xwm lub npe | Lub nroog | Hli hwm | Kev noj qab haus huv txiav tawm, tshuaj txiav tawm | Thawj tus kws kho mob them nqi | Kws kho qhov muag lav | Kev tawm ntawm hnab ris ntau |
|---|---|---|---|---|---|---|
| Anthem MediBlue StartSmart Plus (HMO) | Los Angeles, CA | $0 | $0, $0 | $5 | $0–$20 | $ 3,000 nyob hauv network |
| Cigna Txoj Kev Xaiv Tseeb Medicare (PPO) | Denver, CO | $0 | $0, $0 | $0 | $35 | $ 5,900 hauv network, $ 11,300 hauv thiab sab nrauv network |
| HumanaChoice H5216-006 (PPO) | Madison, WI | $48 | $0, $250 | $10 | $45 | $ 6,000 hauv kev sib koom ua ke, $ 9,000 nyob hauv thiab sab nrauv |
| Humana Kub Ntxiv H0028-042 (HMO) | Houston, TX | $0 | $0, $195 | $0 | $20 | $3450 hauv kev koom tes |
| Aetna Medicare Premier Plan (PPO) | Nashville, TN | $0 | $0, $0 | $0 | $40 | $ 7,500 hauv kev sib koom tes, $ 11,300 tawm hauv network |
| Kaiser Permanente Medicare Advantage Txuj MD (HMO) | Baltimore, MD | $25 | $0, $0 | $10 | $40 | $ 6,900 hauv kev koom |
Cov kev kwv yees saum toj no yog rau 2021 thiab tsuas yog ua piv txwv ntawm ntau txoj kev npaj muaj nyob hauv txhua cheeb tsam.
Txhawm rau kev kwv yees tus kheej ntau ntawm Medicare Tshooj C cov nuj nqis them nqi kho mob raws li koj tus mob kev noj qab haus huv, mus saib Medicare.gov txoj kev npaj nrhiav cov cuab yeej no thiab ntaus koj tus lej ZIP mus piv rau cov phiaj xwm ze koj.
Medicare Advantage puas kim dua qhov qub Medicare?
Txawm hais tias nws zoo li Medicare Advantage cov kev npaj raug nqi ntau dua li tus thawj Medicare, lawv tuaj yeem pab txuag tau cov nqi kho mob.
Ib qho tsis ntev los no pom tias cov nqi kho mob tau qis dua rau cov neeg uas tau tso npe rau hauv Medicare Advantage cov phiaj xwm. Ib qho ntxiv, Medicare Advantage cov txiaj ntsig cov txiaj ntsig tau txuag nyiaj ntau dua rau cov khoom xws li khoom siv kho mob thiab kuaj ntshav.
Kuv Yuav Them Nyiaj Them Kuv Tshooj C li cas?
Feem ntau cov tuam txhab muab Medicare Part C cov phiaj xwm kho mob muaj ntau txoj kev los them koj cov nuj nqis. Cov kev xaiv muaj xws li:
- online them nqi
- rho nyiaj tawm ntawm koj lub txhab nyiaj yuav
- rho nyiaj tawm ntawm koj li Social Security lossis Railroad Retirement Board cov kev pab cuam
- daim tshev lossis nyiaj them xaj
Pab them rau Medicare
Yog tias koj muaj teeb meem them rau Medicare Seem C cov nqi them, nws muaj peev txheej pab tau:
Cov nqa mus
- Medicare Tshooj C yog ib qho kev xaiv them zoo rau cov neeg tau txais kev pab Medicare uas tab tom nrhiav kev pab them ntxiv.
- Koj cov nqi Medicare Tshooj C yuav suav nrog cov nqi them, rho tawm, cov nqi them them, thiab cov nyiaj them poob haujlwm.
- Koj cov nqi kuj tseem yuav raug txiav txim siab raws li koj hom phiaj xwm, ntau npaum li cas koj xav tau kev pab kho mob, thiab hom kws kho mob twg koj pom.
- Yog tias koj muaj hnub nyoog 65 xyoos lossis laus dua lossis muaj qee qhov tsis taus, koj tsim nyog thov Medicare.
- Mus saib Social Security Administration lub vev xaib kom paub ntaub ntawv ntau npaum li cas thov thiab rau npe.
Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 20, 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.
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