Medicare hauv California: Yam Koj Yuav Tsum Tau Paub

Zoo Siab

• Medicare Tshooj A
• Medicare Tshooj B
• Medicare Tshooj C (Medicare Advantage)
• Medicare Tshooj D
• Kev tuav pov hwm them Medicare ntxiv (Medigap)
• Cov hnub rau npe nkag rau tsawg kawg rau Medicare seem thiab cov phiaj xwm yog dab tsi?
• Cov nqa mus

Medicare yog tsoomfwv txoj kev saib xyuas kev noj qab haus huv uas siv cov neeg hnub nyoog 65 thiab laus dua. Cov neeg muaj hnub nyoog ib ce tsis taus thiab cov uas mob raum ntu kawg (ESRD) lossis amyotrophic lateral sclerosis (ALS) kuj tseem tuaj yeem tau txais Medicare.

Yog tias koj nyob hauv California thiab ua tau raws li qhov tsim nyog tau txais Medicare, koj tsim nyog tau txais Medicare thawj (ntu A thiab B) thiab Medicare Seem D, tsis hais koj nyob lub xeev twg. Qhov muaj ntawm Medicare Tshooj C (Medicare Advantage) yog txawv nyob rau qee thaj chaw hauv California dua li nws nyob hauv lwm lub xeev feem ntau.

Qhov muaj feem tau txais Medicare Tshooj C hauv California yog nyob ntawm lub nroog thiab ZIP code ntawm koj qhov chaw nyob tseem ceeb.

Medicare Tshooj A

Medicare Tshooj A tseem paub tias yog muaj ntawv faj seeb tsev kho mob. Ntu A yog hais txog kev saib xyuas mob hauv tsev kho mob, kev saib xyuas tsev kho mob, qee cov kev pab saib xyuas kev noj qab haus huv hauv tsev, thiab muaj kev txwv qis thiab kev pabcuam hauv cov tsev laus (SNF).

Yog tias koj lossis koj tus txij nkawm tau ua haujlwm thiab them tus se Medicare tsawg kawg yog 10 xyoo, feem ntau koj yuav tsim nyog tau txais Seem A pub dawb yam tsis tau them nqi txhua hli. Txawm hais tias koj tsis tsim nyog rau Phaj A dawb, tej zaum koj yuav tuaj yeem yuav Ntu A (cov Tshooj Ntu).

Medicare Tshooj B

Medicare Tshooj B yuav them rau cov kev kho mob uas yuav tsum tau siv, xws li kev teem sij hawm tus kws kho mob thiab tsheb thauj neeg mob. Nws tseem suav nrog kev tiv thaiv kev tiv thaiv, xws li ntau yam tshuaj tiv thaiv. Nrog rau Tshooj A, Medicare Tshooj B ua Medicare qub. Koj yuav tsum tau them tus nqi them txhua hli rau Medicare Tshooj B.

Medicare Tshooj C (Medicare Advantage)

Medicare Tshooj C yog yuav los ntawm cov tswv tuav pov hwm ntiag tug uas tau pom zoo los ntawm Medicare. Raws li txoj cai, Medicare Part C txoj kev npaj yuav tsum them tsawg tshaj li qhov Medicare feem A thiab B, ua. Feem ntau ntawm cov phiaj xwm C feem dauv tau cov kev pab ntau dua li qhov Medicare ib txwm muab rau, tab sis feem ntau xav tau koj siv cov kws kho mob tau teev tseg. Qee qhov kev pab Medicare Part C suav nrog kev them tshuaj, tab sis lwm qhov tsis ua.

Medicare Tshooj C tsis muaj nyob txhua qhov hauv California. Qee lub nroog muaj kev nkag mus rau ntau cov phiaj xwm. Lwm lub nroog mas muaj qee leej nkaus xwb. Kwv yees li ntawm 11 lub nroog hauv California, xws li Calaveras County, ua tsis tau muaj kev nkag tau rau txhua txoj kev pab them nqi Medicare Advantage.

Sau koj tus ZIP code nov rau saib Medicare cov kev npaj muaj nyob hauv koj thaj chaw.

Ntau lub tuam txhab muab cov Advantage cov cai hauv thaj tsam California. Lawv suav nrog:

• Aetna Medicare
• Dlhos Ntawv Npaj Kho Mob
• Anthem Blue Hla
• Blue Hla California
• Xov Xwm Tshiab Hnub
• Qhov Kev Npaj Saib Xyuas Kev Nyab Xeeb Hauv Nruab Nrab
• Clever Care Txoj Kev Npaj Khomob
• Xeev Golden
• Health Net Zej Zog Kev daws teeb meem, Inc.
• Health Net ntawm California
• Neej Neeg Dab
• Imperial Health Plan ntawm California, Inc.
• Kaiser Permanente
• Luam Ntawv Txoj Kev Npaj Khomob
• UnitedHealthcare
• WellCare

Ntau yam ntawm cov phiaj xwm npaj muaj yog Kev Tswj Xyuas Kev Noj Qab Haus Huv (HMO) cov phiaj xwm uas pib txij li $ 0 txhua hli hwm. Qhov uas koj yuav tsum tau them ntau tshaj plaws hauv hnab tshos txhua xyoo yuav txawv heev rau cov phiaj xwm no. HMO cov kev pab them nqi kuj tseem yuav kom koj them tus nqi them thaum mus ntsib kws kho mob.

Lwm hom phiaj xwm Medicare Advantage muaj xws li Cov Phiaj Xwm Muaj Kev Pab Cuam Tshuam (PPO). Qee qhov ntawm no yuav muaj cov nqi them txhua hli zoo dua li HMOs ntxiv rau cov nqi sab nrauv thiab feem them ntxiv. Nws yog ib qho tseem ceeb los txheeb xyuas cov phiaj xwm koj tab tom txiav txim siab, vim tias lawv sib txawv tsis yog nqi nkaus nkaus xwb tabsis tseem nyob hauv cov kev pabcuam thiab cov kev pabcuam.

Medicare Tshooj D

Medicare Tshooj D yog ib feem ntawm Medicare uas them rau cov tshuaj noj. Nws txhais tau tias yuav siv nrog tus thawj Medicare (ntu A thiab B). Yog tias koj muaj phiaj xwm Advantage uas muaj cov tshuaj noj, koj tsis tas yuav yuav Tshooj D txoj kev npaj ib yam nkaus.

Yog tias koj tsis muaj kev pab them tshuaj siv los ntawm lwm qhov chaw, xws li kev pov hwm kev noj qab haus huv uas koj tau txais hauv kev ua haujlwm, nws yog ib qho tseem ceeb kom muab npe rau Medicare Tshooj D thaum koj thawj tsim nyog tau txais Medicare. Yog tias koj tsis them, koj yuav tsum tau them tus nqi siab dua hauv daim ntawv ntawm lub txim txhaum ib hlis twg rau tag nrho koj qhov kev pab them los ntawm Tshooj D.

Medicare Part D yog muab los ntawm cov tuam txhab muag kev pov hwm. Nws muaj Part D cov kev npaj muaj thoob plaws hauv tag nrho xeev California. Cov phiaj xwm no txawv raws cov tshuaj lawv them, nrog rau lawv tus nqi.

Vim muaj ntau txoj kev xaiv, kev tso npe rau hauv Medicare tuaj yeem nyuaj. Cov koom haum no tuaj yeem muab cov ntaub ntawv koj xav tau los xaiv thiab sau npe rau hauv qhov phiaj xwm Medicare zoo tshaj plaws rau koj yog tias koj nyob hauv California.

• Xeev California Feem Kev Laus Xyuas
• California Lub Tuam Txhab Pov Hwm
• HICAP (Cov Pab Tswv Yim Pab Nyiaj Pov Hwm thiab Kev Noj Qab Haus Huv)
• Xeev Cov Nyiaj Pab Nyiaj Pov Hwm Kev Nyab Xeeb (SHIP)

Kev tuav pov hwm them Medicare ntxiv (Medigap)

Daim ntawv faj seeb khomob Medicare lossis Medigap yog tsim los pab koj them cov khoom uas tsis duav los ntawm Medicare thawj. Cov nqi no suav nrog feem yus them ua ke, pab them tus nqi, thiab rho tawm. Hauv California, koj tuaj yeem yuav ib ntawm 10 hom qauv qauv uas muaj nyob thoob plaws ntau lub tebchaws.

Cov qauv phiaj xwm no tau tsim los ntawm cov niam ntawv sau ntawv: A, B, C, D, F, G, K, L, M, thiab N. Txhua txoj phiaj xwm txawv raws nws cov nqi txiav tawm, nqi, thiab kev pov hwm. Hauv California, muaj ntau lub chaw pov hwm uas duav tej lossis tag nrho cov phiaj xwm no. Lawv cov nqi nyob rau hauv cov phiaj xwm yuav zoo ib yam los yog zoo sib xws.

Qee cov tuam txhab uas muab Medigap hauv California suav nrog:

• Aetna
• Anthem Blue Hla - California
• Daim ntaub thaiv ntawm California
• Cigna
• Cov Tuam Txhab Nyiaj Pov Hwm ntawm Asmeskas
• Lub Koom Haum Koom Tes nrug Dr.
• Xeev Laus Xeev
• Lub ntiaj teb Lub neej thiab Lub Tuam Txhab Tuav Pov Hwm
• Kev Noj Qab Haus Huv Net
• Neej Neeg Dab
• Kev Sib Koom Tes ntawm Omaha
• Tus Saib Xyuas Teb Chaws
• Lub Tuam Txhab Nyiaj Pov Hwm Kev Nyab Xeeb
• Oxford
• Sentinel Kev Ruaj Ntseg
• Xeev kev ua liaj ua teb
• Ntshaw Nyiaj txiag rau Luterans
• USAA
• Meskas teb Asmeskas
• UnitedHealthcare

Qee qhov phiaj xwm kuj tseem xav kom koj them feem pua ​​ntawm cov nuj nqis rau cov kev pab uas duav tau raws Ntu B, ntxiv rau Feem A txiav tawm.

Nws muaj sijhawm 6-lub hlis qhib kev rau npe nkag thaum koj tuaj yeem tau txais Medigap. Lub sijhawm no ib txwm pib thaum koj 65 xyoos thiab phim rau koj kev nkag rau Medicare Tshooj B.

Feem ntau hauv lub tebchaws, tsuas yog lub sijhawm no nkaus xwb uas koj tuaj yeem tso npe rau hauv Medigap txoj kev npaj khomob thiab tau txais kev ntseeg siab kom tau txais ib qho, tsis muaj teebmeem dabtsi rau koj cov kev noj qab haus huv.

Txawm li cas los xij, hauv Kalifonias, koj raug tso cai hloov mus rau lwm txoj kev npaj khomob Medigap nrog kev lees paub qhov teebmeem thaum lub sijhawm 30 hnub tom qab koj lub hnub yug txhua xyoo, muab daim phiaj xwm tshiab muab rau koj zoo sib npaug lossis qis dua li koj qhov kev npaj Medigap tam sim no.

Cov hnub rau npe nkag rau tsawg kawg rau Medicare seem thiab cov phiaj xwm yog dab tsi?

Lub sijhawm tsis pub dhau rau kev cuv npe Medicare hauv California yog tib yam li lawv nyob hauv cov tebchaws, tshwj ntawm Medigap, uas muaj cov sijhawm nkag ntxiv.

Cov nqa mus

Medicare yog tsoomfwv txoj kev fajseeb khomob uas muaj rau hauv Kalifonias rau cov uas muaj cai. Medicare Advantage (Medicare Tshooj C) tsis muaj nyob thoob plaws txhua tus lej zip hauv xeev. Txawm li cas los xij, thawj qhov Medicare (ntu A thiab B), thiab Medicare Part D thiab Medigap muaj nyob hauv txhua lub nroog thiab tus lej zip.

Kab lus no tau hloov kho thaum Lub Kaum Hlis 6, 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.