Medicare puas pab them nqi kho mob tom tsev?

Zoo Siab

• Tus pab saib xyuas kev noj qab haus huv hauv tsev yog dab tsi?
• Thaum twg Medicare them rau kev tu mob tom tsev?
• Cov nqi pab tu mob tom tsev yog dab tsi?
• Cov phiaj xwm Medicare twg yuav yog qhov zoo tshaj rau koj yog tias koj paub tias koj xav tau kev pabcuam kev noj qab haus huv hauv tsev?
• Ntu A
• Ntu B
• Ntu C
• Cov phiaj xwm pabcuam Medicare lossis Medigap
• Hauv qab kab

Cov kev pab tu mob hauv tsev tso cai rau ib tus neeg nyob hauv lawv lub tsev thaum lawv tau txais kev kho mob lossis kev saib xyuas mob siab. Medicare them qee yam ntawm cov kev pabcuam saib xyuas kev noj qab haus huv hauv tsev, suav nrog kev kho lub cev thiab kev ua haujlwm nrog rau kev saib xyuas mob siab.

Txawm li cas los xij, Medicare tsis them rau tag nrho cov kev pabcuam saib xyuas kev noj qab haus huv hauv tsev, xws li kev saib xyuas ib ncig-moos, kev noj mov, lossis kev saib xyuas - feem ntau ntawm cov kev pabcuam no poob rau cov kev pab saib xyuas mob nkeeg hauv tsev.

Kav tsij nyeem ntxiv kom paub txog cov kev pab them nyob rau Medicare, thiab cov neeg pab kev noj qab haus huv hauv tsev yuav poob lossis tsis poob rau hauv hom no.

Tus pab saib xyuas kev noj qab haus huv hauv tsev yog dab tsi?

Cov neeg pab tu hauv tsev yog cov kws saib xyuas kev noj qab haus huv uas pab tib neeg hauv lawv lub tsev thaum lawv muaj mob xiam oob qhab, mob nyhav, lossis xav tau kev pab ntxiv.

Cov neeg pab tuaj yeem pab ua haujlwm hauv txhua hnub, xws li da dej, hnav khaub ncaws, mus hauv chav dej, lossis lwm yam haujlwm nyob ib puag ncig-tsev. Rau cov neeg xav tau kev pab hauv tsev, cov neeg pab kev noj qab haus huv hauv tsev tuaj yeem muaj nuj nqis.

Txawm li cas los xij, lawv txawv ntawm lwm cov haujlwm kev noj qab haus huv hauv tsev, uas tuaj yeem suav cov kws saib xyuas kev noj qab haus huv hauv tsev, cov kws kho lub cev, thiab cov kws tshaj lij hauv lub tsev kho mob uas muab kev kho mob thiab cov kws tshaj lij uas yuav tsum muaj kev qhia tshwj xeeb thiab ntawv pov thawj.

Raws li US Bureau of Labor Statistics, theem kev qhia ntawv tshwj xeeb rau kev pab saib xyuas kev noj qab haus huv hauv tsev yog kev kawm tiav tsev kawm theem siab lossis sib npaug.

Qee tus neeg siv cov lus “tus pab saib xyuas kev noj qab haus huv hauv tsev” los qhia txog txhua yam haujlwm uas muab kev saib xyuas hauv tsev, tab sis tus pab saib xyuas kev noj qab haus huv hauv tsev yog qhov txawv ntawm tus tu neeg mob hauv tsev lossis tus kws kho mob.

Cov kev sib txawv no yog qhov tseem ceeb thaum nws nkag siab qhov Medicare yuav ua dab tsi thiab yuav tsis pab them rau nws thaum txog kev tu neeg hauv tsev. Medicare tsis them rau feem ntau cov kev pab uas poob rau cov kev pab saib xyuas kev noj qab haus huv. Cov no suav nrog:

• ncig-lub-moos zov me nyuam
• kev xa zaub mov hauv tsev los yog pab nrog ua mov noj
• Cov kev pabcuam hauv tsev, xws li ntxhua khaub ncaws, ntxuav, lossis khw
• kev saib xyuas tus kheej, xws li pab da dej, hnav khaub ncaws, lossis siv chav dej

Yog tias cov kev pab tu tus kheej los ntawm cov neeg pab saib xyuas kev noj qab haus huv hauv tsev tsuas yog kev saib xyuas koj xav tau xwb, Medicare feem ntau tsis them rau cov no. Lawv them rau kev pab kho mob hauv tsev.

Thaum twg Medicare them rau kev tu mob tom tsev?

Tshooj Medicare A (kev pabcuam hauv tsev khomob) thiab Medicare Tshooj B (kev pabcuam khomob) hais txog qee yam hauv kev noj qab haus huv hauv tsev.

Qhov tsim nyog, kev noj qab haus huv hauv tsev tuaj yeem txhim kho koj txoj kev saib xyuas thiab tiv thaiv kev nkag rau hauv tsev kho mob. Muaj ob peb kauj ruam thiab tej yam mob kom tsim nyog tau txais kev saib xyuas mob hauv tsev:

• Koj yuav tsum nyob hauv qab kev saib xyuas ntawm kws kho mob uas tau tsim phiaj xwm rau koj uas muaj feem cuam saib xyuas kev noj qab haus huv hauv tsev. Koj tus kws kho mob yuav tsum tshuaj xyuas lub phiaj xwm raws sij hawm kom paub tseeb tias nws tseem pab koj.
• Koj tus kws kho mob yuav tsum lees tias koj xav tau kev saib xyuas mob nkeeg thiab kev pabcuam khomob ncaj ncees. Txhawm rau xav tau txoj kev saib xyuas no, koj tus kws kho mob yuav tsum txiav txim siab tias koj tus mob yuav zoo lossis tswj xyuas los ntawm cov kev pabcuam kev noj qab haus huv hauv tsev.
• Koj tus kws kho mob yuav tsum tau lees tias koj yog homebound. Qhov no txhais tau hais tias nws yog qhov nyuaj heev los sis kev kuaj mob nyuaj rau koj tawm koj lub tsev.

Yog tias koj muaj raws li qhov yuav tsum tau ua no, Medicare seem A thiab B yuav them rau qee yam kev pabcuam kev noj qab haus huv hauv tsev, suav nrog:

• part-time kev tu cov laus, uas tej zaum yuav suav nrog kev tu qhov nqaij to, kho raj, saib xyuas cov cim tseem ceeb, lossis kho cov leeg (xws li tshuaj tua kab mob)
• kev kho kom lub cev
• kev pab kho lub cev
• kev pab kho mob
• hais lus-kev pathology

Raws li Medicare.gov, Medicare them rau "cov kev pab cuam ib hnub los yog ib ntus pab tu neeg tom tsev." Qhov no yog kev nkag siab tsis meej.

Nws txhais tau tias tus kws ua haujlwm hauv tsev yuav muab kev saib xyuas tus kheej uas tus kws pabcuam hauv tsev tau muab. Qhov txawv yog tias, rau kev them nyiaj rov qab, koj yuav tsum tau txais kev pabcuam kev laus zoo ib yam.

Cov nqi pab tu mob tom tsev yog dab tsi?

Yog tias koj tus kws khomob tau ua cov kauj ruam los pab koj kom tsim nyog rau kev pabcuam kev noj qab haus huv hauv tsev, lawv yuav pab koj hu rau lub chaw saib xyuas kev noj qab haus huv hauv tsev.

Cov koom haum no yuav tsum muab lus qhia rau koj tias Medicare ua dab tsi thiab tsis duav txog los ntawm Daim Ntawv Qhia Ua Ntej Ua Haujlwm. Qhov tsim nyog, qhov no pab txo qis ntawm cov kev xav tsis thoob rau koj.

Thaum Medicare pom zoo rau koj cov kev pabcuam kev noj qab haus huv hauv tsev, koj yuav tsis them dab tsi rau kev saib xyuas kev noj qab haus huv hauv tsev, txawm hais tias koj yuav yog lub luag haujlwm 20 feem pua ​​ntawm Medicare-pom zoo rau cov khoom siv kho mob (DME), uas suav nrog cov khoom siv kho mob lub cev, cov khoom siv kho mob , thiab cov cuab yeej pabcuam.

Feem ntau muaj 21-hnub sijhawm nyob rau ntev npaum li cas koj tuaj yeem tau txais kev pabcuam yam tsis muaj nqi. Txawm li cas los xij, koj tus kws kho mob tuaj yeem txuas ntxiv qhov txwv no yog tias lawv tuaj yeem kwv yees thaum koj xav tau kev pab kho mob hauv tsev yuav xaus.

Cov phiaj xwm Medicare twg yuav yog qhov zoo tshaj rau koj yog tias koj paub tias koj xav tau kev pabcuam kev noj qab haus huv hauv tsev?

Medicare faib nws cov kev pabcuam rau ntau pawg ntawv sib txawv, suav nrog Medicare seem A, B, C (Medicare Advantage), thiab D (kev pab them tshuaj yuav tshuaj).

Ntu A

Medicare Tshooj A yog feem uas muab kev fajseeb khomob hauv tsev khomob. Medicare Tshooj A pub dawb rau cov neeg feem coob thaum lawv lossis lawv tus txij nkawm tau ua haujlwm tsawg kawg 40 feem pua ​​them Medicare cov se.

Txawm tias Ntu A yog "kev fajseeb khomob hauv tsev khomob", nws tseem suav txog cov kev pabcuam saib xyuas kev noj qab haus huv hauv tsev vim tias lawv tuaj yeem yog cov kev saib xyuas txuas ntxiv uas koj tau txais hauv tsev khomob thiab tseem ceeb rau koj kev kho kom rov zoo.

Ntu B

Medicare Tshooj B yog feem uas them rau cov kev khomob. Txhua tus neeg hauv Ntu them tus nqi tuav pov hwm, thiab qee cov neeg yuav them ntau dua raws lawv cov nyiaj tau los. Tshooj B them rau qee yam ntawm kev pabcuam kev noj qab haus huv hauv tsev, suav nrog cov cuab yeej siv kho mob.

Ntu C

Medicare Tshooj C puav leej tseem hu ua Medicare Advantage. Nws txawv ntawm Medicare qub nyob rau qhov tias nws txuas ua ntu A, B, qee zaum D (kev pab them tshuaj siv), thiab qee zaum kev pabcuam ntxiv, nyob ntawm koj hom phiaj.

Piv txwv ntawm Medicare Advantage Cov Tswv Yim muaj xws li cov koom haum saib xyuas kev noj qab haus huv (HMO) lossis cov koom haum muab kev pabcuam xav tau (PPO). Yog tias koj muaj hom phiaj xwm no, koj yuav tsum tau txais kev pabcuam kev noj qab haus huv hauv tsev los ntawm ib lub chaw haujlwm uas koj txoj kev npaj tau cog lus nrog.

Qee qhov phiaj xwm Medicare Advantage muab kev pab them nyiaj ntxiv rau cov kev pabcuam kev noj qab haus huv hauv tsev, thiab cov ntaub ntawv no yuav tsum muaj nrog hauv koj cov lus qhia txog cov txiaj ntsig.

Cov phiaj xwm pabcuam Medicare lossis Medigap

Yog tias koj muaj Medicare thawj tshooj (ntu A thiab B, tsis yog Medicare Advantage), koj tuaj yeem yuav yuav Medicare txoj kev pab them nqi kho mob, kuj hu ua Medigap.

Qee cov Medigap npaj them rau cov nqi pabcuam them ua haujlwm rau feem B, uas yuav pab koj them rau kev pabcuam kev noj qab haus huv hauv tsev. Txawm li cas los xij, cov phiaj xwm no tsis muab kev pab them nqi kho mob hauv tsev kom zoo.

Qee cov neeg xaiv yuav ntawv pov hwm kev saib xyuas mob mus ntev tshwj xeeb, uas tsis yog ib feem ntawm Medicare. Cov kev cai no yuav pab them rau kev saib xyuas kev noj qab haus huv hauv tsev ntau dua thiab siv sijhawm ntev dua li Medicare. Txawm li cas los xij, cov cai tswjfwm sib txawv thiab muaj cov nqi ntxiv rau cov neeg laus.

Hauv qab kab

Medicare tsis them nyiaj rau cov kev pabcuam kev noj qab haus huv hauv tsev thaum tsis muaj kev xaiv tus kws tshaj lij. Yog tias koj tus kws khomob hais tias koj xav tau kev saib xyuas zoo, koj tuaj yeem tau txais kev pabcuam tus kheej thaum tab tom mus ntsib kws khomob.

Txoj kev zoo tshaj yog kev sib txuas lus nrog koj tus kws kho mob thiab lub chaw saib xyuas kev noj qab haus huv hauv tsev kom nkag siab tias tus nqi yog dab tsi thiab tsis raug tiv thaiv thiab yuav siv sijhawm ntev li cas.

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.