Thaum Twg Medicare Dawb?
Zoo Siab
- Dab tsi ntawm Medicare muaj pub dawb?
- Puas Yog Medicare Tshooj A Dawb?
- Puas yog Medicare Part A pub dawb yog tias kuv muaj qhov ua tsis taus?
- Medicare Tshooj B puas yog pub dawb?
- Medicare Tshooj C (Medicare Advantage) pub dawb?
- Medicare Tshooj D puas yog pub dawb?
- Puas yog Medicare Pab Txhawb Ntxiv (Medigap) Puas tau pub dawb?
- Cov nqa mus
- Medicare tsis tau them nqi dawb tab sis raug them ua ntej hauv koj lub neej los ntawm cov se uas koj them.
- Tej zaum koj tsis tas yuav them tus nqi them rau Medicare Tshooj A, tab sis koj kuj tseem yuav tau them qhov pab nrog them ntxiv.
- Qhov koj them rau Medicare nyob ntawm koj tau ua haujlwm ntev npaum li cas, koj khwv tau ntau licas tamsis no, thiab cov kev pabcuam uas koj xaiv.
- Muab piv rau cov phiaj xwm Medicare tuaj yeem pab koj xaiv cov kev xaiv zoo tshaj plaws rau koj cov xwm txheej ib leeg.
Medicare tsis pub dawb; txawm li cas los xij, tsis yog txhua tus yuav them tus nqi tus nqi. Nws muaj ntau qhov kev pabcuam Medicare, thiab qee yam xaiv tau. Qhov nyiaj koj them yog nyob ntawm cov kev pab koj xaiv, thiab koj lub neej tau siv nyiaj ntau npaum li cas ua haujlwm thiab them rau hauv Medicare system los ntawm koj cov se.
Txawm hais tias Medicare tsis tau pub dawb xwb, ntau tus neeg yuav tsis them tus nqi txhua hli rau qhov kev saib xyuas yooj yim. Medicare yog tsoomfwv txoj kev npaj fajseeb khomob uas koj tsimnyog muaj hnub nyoog 65 xyoos lossis muaj qee yam teebmeem kev noj qab haus huv lossis xiam oob qhab. Koj them rau hauv qhov system Medicare thoob plaws koj lub neej ua haujlwm uas yog ib feem ntawm koj cov se thiab sau cov txiaj ntsig ntawm cov kev pab no nyob rau yav tom ntej hauv lub neej lossis yog tias koj muaj mob ua tsis taus.
Kav tsij nyeem ntxiv kom paub dab tsi ntawm cov kev pab cuam suav nrog hauv koj qhov kev pabcuam "dawb" thiab yam kev xaiv twg yuav raug nqi ntau dua rau koj.
Dab tsi ntawm Medicare muaj pub dawb?
Muaj ntau ntau qhov kev pabcuam Medicare lossis feem ntau, nrog txhua yam kev pabcuam kev noj qab haus huv sib txawv. Txhua ntawm cov kev pabcuam no muaj cov nqi sib txawv txhua hli nyob rau hauv daim ntawv ntawm cov nqi them, cov nqi them, thiab txiav tawm.
Txawm hais tias tib neeg yuav xav txog qee cov kev pab cuam thiab “cov kev pab cuam pub dawb,” lawv yog cov tsim nyog tau txais cov kev pab cuam uas koj them rau lub xyoo koj ua hauj lwm. Yog tias koj tsis muaj kev them tus nqi txhua hli rau Medicare qhov kev pab cuam, nws yog vim koj twb tau nqis peev rau qhov haujlwm ntawd. Txawm li cas los xij, tsis yog txhua tus neeg tau txais cov kev pabcuam no yam tsis tau them nqi.
Puas Yog Medicare Tshooj A Dawb?
Medicare Tshooj A zoo li "pub dawb," tab sis nws yog ib qho ntawm cov txiaj ntsig koj tau them tiag tiag los ntawm cov se uas koj tau them hauv koj lub xyoo ua haujlwm. Ntau tus neeg yuav tsis them tus nqi them txhua hli rau Medicare Tshooj A, uas them rau cov nqi pw hauv tsev kho mob thiab tsev laus, nrog tsev kho mob thiab qee cov kev pab saib xyuas mob hauv tsev. Tus nqi kom them rau Tshooj A yog nyob ntawm koj qhov xwm txheej thiab koj tau ua haujlwm ntev npaum li cas.
Koj yuav tsis them tus nqi them txhua hli rau Medicare Tshooj A yog tias koj laus dua 65 xyoos thiab ib qho ntawm cov no raug rau:
- Koj tau txais nyiaj laus los ntawm Xaus Saus.
- Koj tau txais nyiaj laus los ntawm Railroad Retirement Board.
- Koj lossis koj tus txij nkawm tau ua haujlwm rau tseemfwv thiab tau txais kev fajseeb khomob Medicare.
Koj kuj tseem yuav tsim nyog rau Medicare Tshooj A yog pub dawb yog tias koj muaj hnub nyoog qis dua 65 xyoos thiab ib qho ntawm cov no thov:
- Koj tau txais cov txiaj ntsig Xaus Saus rau 24 lub hlis.
- Koj tau txais Railroad Retirement Board Pab Nyiaj xiam oob qhab rau 24 lub hlis.
- Koj muaj mob raum ntu kawg.
Yog tias koj tsis ua tau zoo rau Medicare Part A dawb, koj yuav them tus nqi raws li cov lej uas koj tau ua haujlwm hauv koj lub neej.
| Siv sijhawm ntau ua haujlwm (thiab them rau Medicare) | Tus nqi txhua hli nyob rau 2021 |
|---|---|
| <30 lub hlis (360 lub lis piam) | $471 |
| 30–39 peb hlis (360–468 lub lis piam) | $259 |
Thaum Ntu A pab them rau cov kev kho mob sab hauv thiab qee qhov xav tau kev noj qab haus huv hauv tsev, koj kuj yuav tsum muaj kev tiv thaiv Tshooj B rau lwm cov kev mus ntsib kws kho mob thiab tiv thaiv kab mob.
Puas yog Medicare Part A pub dawb yog tias kuv muaj qhov ua tsis taus?
Muaj ntau qhov kev tsis taus uas tsim nyog rau cov kev pab them nqi-them nyob hauv Medicare Tshooj A. Lub Chaw Lis Haujlwm Saib Xyuas Kev Ruaj Ntseg Xaj Xaj tshwm sim nyob rau hauv kev tuag yog tsim nyog rau cov txiaj ntsig no.
Medicare Tshooj B puas yog pub dawb?
Medicare Tshooj B yog tsoomfwv qibsiab cov nyiaj fajseeb khomob uas suav cov kev khomob sab nrauv xwsli kev mus ntsib kws khomob thiab kev khomob tiv thaiv. Nws tsis muaj cov kev xaiv them zoo li Tshooj A. Lub hli them cov nqi raws li koj qib nyiaj tau, tab sis tsis yog txhua tus tau txais daim nqi rau lawv tus nqi.
Koj qhov Medicare Part B yuav muab txiav tawm los ntawm koj daim nyiaj pab ib hlis ib zaug yog koj tau ib qho txuas mus ntxiv no:
- Txiaj ntsig Xaus Saus
- cov nyiaj tau los ntawm Railroad Retirement Board
- kev them nyiaj los ntawm Chav Tswj Xyuas Cov Neeg Ua Haujlwm
Rau cov neeg uas them nqi Se Part B, tus nqi sib txawv raws koj cov nyiaj tau los. Cov nyiaj tau los txhua xyoo los ntawm 2019 yog siv los ntsuas seb koj yuav them li cas nyob rau xyoo 2021.
| Cov nyiaj tau los txhua xyoo | Khub niam txiv cov nyiaj koom ua ke txhua xyoo | Tus nqi txhua hli |
|---|---|---|
| ≤ $88,000 | ≤ $176,000 | $148.50 |
| > $88,000–$111,000 | > $176,000–$222,000 | $207.90 |
| > $111,000–$138,000 | > $222,000–$276,000 | $297 |
| > $138,000–$165,000 | > $276,000–$330,000 | $386.10 |
| > $165,000–< $500,00 | > $330,000–< $750,000 | $475.20 |
| ≥ $500,000 | ≥ $750,000 | $504.90 |
Qee cov phiaj xwm Medigap them rau cov nqi ntawm Medicare Part B uas yus them yus. Txawm li cas los xij, xyoo 2015 tsab cai tau dhau los (Medicare Access thiab CHIP Reauthorization Act of 2015 [MACRA]) uas ua rau nws tsis raug cai rau Medicare Supplement cov phiaj xwm (Medigap) los them rau ib feem B txiav tawm rau cov neeg tuaj tos tshiab pib txij xyoo 2020.
Txawm tias cov neeg uas twb muaj ib txoj kev npaj khomob uas them cov nqi no yuav ua rau lawv tau txais kev fajseeb, txij lub Ib Hlis tim 1, 2020, cov sau npe rau Medicare tshiab yuav tsis tuaj yeem sau npe rau cov phiaj xwm ntxiv uas them rau Tshooj B. Txawm li cas los xij, yog tias koj twb rau npe rau hauv Medicare thiab muaj Medigap txoj kev npaj them qhov nqi B uas txiav tawm tau, koj tuaj yeem khaws cia.
Medicare Tshooj C (Medicare Advantage) pub dawb?
Medicare Part C (Medicare Advantage) yog cov phiaj xwm pov hwm ntiag tug uas sib koom ua ke ntawm ob qho Medicare Part A thiab Medicare Tshooj B, ntxiv rau lwm yam kev pab. Cov tuam txhab ntiag tug tau txais cov nyiaj los ntawm Medicare, yog li qee qhov phiaj xwm tseem yuav muab "pub dawb" lossis txo tus nqi txhua hli.
Qhov Tshwj Xeeb nqe C cov nqi sib txawv raws cov phiaj xwm. Muaj ntau yam kev pabcuam kev xaiv, hom them rau, thiab tus nqi rau Medicare Phaj C cov phiaj xwm. Qee tus kuj tseem them cov kev pabcuam xws li kuaj qhov muag, kho hniav, kho pob ntseg kom hnov lus, thiab cov kev tawm dag zog.
Cov phiaj xwm uas tsis them tus nqi txhua hli kuj tseem yuav muaj lwm cov nqi, txawm hais tias xws li feem yus them nyiaj, cov pab them nqi, thiab cov nqi txiav tawm. Cov kev npaj feem ntau, txawm li cas los xij, suav nrog qhov ntau tshaj plaws ntawm hnab tshos tawm. Medicare muaj cov twj online los sib piv cov nqi thiab cov kev pab uas suav nrog Medicare Advantage cov phiaj xwm muab rau hauv koj cheeb tsam.
Medicare Tshooj D puas yog pub dawb?
Medicare Tshooj D npog cov tshuaj noj thiab them los ntawm kev hwm thiab lwm yam nqi. Medicare Advantage cov kev npaj yuav suav nrog kev pab them cov tshuaj, tab sis koj tseem yuav tau them ib feem ntawm koj cov nqi tshuaj.
Tus nqi them sib txawv nyob ntawm thaj chaw thiab phiaj xwm, thiab koj tuaj yeem ua haujlwm nrog koj tus kws kho mob kom paub tseeb tias cov tshuaj uas koj tau sau tseg rau hauv cov npe tshuaj (hu ua cov qauv tshuaj) uas tau pom zoo los ntawm Medicare. Yog tias koj cov tshuaj tsis nyob hauv daim ntawv pom zoo, koj tus kws kho mob tuaj yeem thov kom zam tshwj xeeb lossis xaiv lwm yam tshuaj.
Puas yog Medicare Pab Txhawb Ntxiv (Medigap) Puas tau pub dawb?
Medigap (Medicare Pab Txhawb Ntxiv) cov cai muaj los ntawm cov tuam txhab muag kev pov hwm. Lawv yog cov kev pab dawb xwb tab sis kuj yuav pab koj txuag nyiaj rau lwm qhov nqi hauv Medicare.
Qee cov phiaj xwm Medigap, zoo li C thiab F, tau siv los them rau Medicare Part B txiav tawm. Qhov no yuav tsis hloov rau cov neeg uas twb muaj cov phiaj xwm no lawm, tab sis cov neeg tshiab rau Medicare tom qab Lub Ib Hlis 1, 2020 yuav tsis muaj peev xwm yuav cov phiaj xwm no.
Medicare muaj qhov twj pab online los nrhiav Medigap cov kev pab cuam nyob hauv koj thaj tsam. Koj tuaj yeem piv cov nqi hwm thiab dab tsi cov nqi them thiab cov nqi txo thov. Medigap cov txiaj ntsig kev pab cuam pib nyob rau tom qab cov kev pabcuam Medicare xws li Tshooj A thiab Ntu B kev tiv thaiv tag lawm.
Cov nqa mus
- Kev pab them nyiaj hauv Medicare yog qhov nyuaj, thiab muaj ntau qhov kev txiav txim siab uas txawv ntawm koj qhov xwm txheej.
- Nws tsis muaj ib qho “pub dawb” Medicare cov kev pab. Koj tau ua haujlwm ntev npaum li cas, koj khwv tau ntau npaum li cas, thiab seb koj yuav them taus npaum li cas ua ntej rho tawm ntawm koj cov nyiaj pab yog txhua yam cuam tshuam nrog kev laij koj cov nuj nqis Medicare.
- Txawm hais tias muaj qee qhov kev pabcuam uas muab tus nqi qis lossis "tsis pub dawb", sib piv cov phiaj xwm thiab suav txhua tus nqi koom nrog, suav nrog txo cov nqi them, cov nqi them them, thiab kev ua kom zoo.
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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