Yam Uas Koj Yuav Tsum Paub Txog Medicare Tshooj C

Zoo Siab

• Medicare Tshooj C yog dab tsi?
• Koj puas xav tau Medicare Tshooj C?
• Koj puas tsim nyog rau Medicare Seem C?
• Medicare Part C cov phiaj xwm dab tsi muaj?
• Medicare Advantage HMO cov phiaj xwm
• Medicare Advantage PPO cov phiaj xwm
• Medicare Part C raug nqi ntau npaum li cas?
• Yog tias koj tsis xav tau Medicare Tshooj C
• Cov nqa mus

Medicare Tshooj C yog dab tsi?

Medicare Tshooj C, kuj hu ua Medicare Advantage, yog ib qho kev pov hwm ntxiv rau cov neeg uas muaj Medicare thawj.

Nrog Medicare qub, koj yuav them rau Tshooj A (tsev kho mob) thiab Tshooj B (kho mob).

Medicare Tshooj C muaj kev fajseeb khomob rau feem A thiab B ntxiv rau cov kev pabcuam ntxiv, xws li cov tshuaj kws kho mob, kho hniav, kho qhov muag, thiab lwm yam.

Hauv tsab xov xwm no, peb yuav tshawb saib Medicare Part C yuav muab dab tsi, nws yuav kim npaum li cas, thiab xaiv cov phiaj xwm zoo tshaj rau koj li cas.

Koj puas xav tau Medicare Tshooj C?

Kev pab Medicare Part C yog kev pab them Medicare ntxiv los ntawm cov tuam txhab muag kev pov hwm. Nrog txoj kev npaj no, koj tuaj yeem tau txais kev pab them tshuaj, kev kho hniav thiab kho qhov muag, thiab lwm yam kev pabcuam kev noj qab haus huv.

Nrog rau txoj kev pab Medicare Part C kom yog, koj yuav muaj kev pab them nqi rau cov hauv qab no:

• cov kev pabcuam hauv tsev khomob, kev saib xyuas hauv tsev laus, kev saib xyuas kev noj qab haus huv hauv tsev, thiab kev saib xyuas tsev laus
• cov kev pabcuam khomob hais txog kev tiv thaiv, kuaj mob, thiab kho cov neeg mob
• kev pabcuam kev mob hlwb
• Kev pab them tshuaj
• kho hniav, kho qhov muag, thiab kho pob ntseg
• cov kev pabcuam kho mob xaiv, xws li kev ua kom muaj kev sib haum xeeb

Yog tias koj xav tau ntau tshaj qhov tseem ceeb tshaj nyob hauv tsev kho mob thiab ntawv kho mob, Medicare Tshooj C yog ib qho kev xaiv tseem ceeb.

Koj puas tsim nyog rau Medicare Seem C?

Koj tsim nyog rau Medicare Tshooj C yog tias koj twb muaj Medicare seem A thiab B, thiab yog koj nyob hauv thaj chaw muab kev pab ntawm Medicare Part C cov kws kho mob uas koj xav tau.

Xyoo 2021, cov neeg muaj mob raum mob raum ntu kawg (ESRD) muaj peev xwm rau npe tau txais ntau qhov kev pab los ntawm Medicare Advantage vim txoj cai tau tshaj tawm los ntawm Congress. Ua ntej txoj cai no, cov phiaj xwm feem ntau yuav tsis lees txais koj lossis txwv koj rau Qhov Xav Tau Tshwj Xeeb (SNP) yog tias koj tau kuaj pom ntawm ESRD.

• Kev rau npe rau Medicare yog lub sij hawm yoog thiab yuav tsum pib 3 lub hlis ua ntej koj muaj 65 xyoos. Koj kuj tuaj yeem thov Medicare rau lub hlis uas koj hloov 65 thiab 3 lub hlis tom qab koj 65^th Hnub yug - txawm hais tias koj qhov kev pab them yuav ncua.
• Yog koj qhaj pib lub sijhawm qhib, sau npe qhib txij lub Kaum Hlis 15 txog Kaum Ob Hlis 7 txhua txhua xyoo.
• Koj tuaj yeem tso npe pib cov thawj Medicare hauv online los ntawm Social Security Administration lub vev xaib.
• Koj tuaj yeem sib piv thiab kav khw rau Medicare Tshooj C cov phiaj xwm online online ntawm Medicare cov phiaj xwm nrhiav cov cuab yeej.

Medicare Part C cov phiaj xwm dab tsi muaj?

Qhov yooj yim tshaj plaws kom paub seb Medicare Part C cov phiaj xwm muaj dab tsi yog siv Medicare twj:.

Lub kaw lus yuav coj koj cov lus teb rau qee cov lus nug thiab nqaim cov tuam txhab uas muab Medicare Part C cov kev pab uas haum rau koj cov kev xav tau. Qhov cuab yeej Medicare no pab tau rau kev sib piv cov phiaj xwm hauv koj cheeb tsam.

Yog tias koj twb tau txais kev fajseeb khomob los ntawm lub tuam txhab kev fajseeb tseem ceeb, nws yuav muaj Medicare Part C cov phiaj xwm. Qee cov tuam txhab nyiaj pov hwm tseem ceeb uas muab Medicare Part C yog:

• Aetna
• Xiav Hla Tiv Thaiv Xia
• Cigna
• Kev Noj Qab Nyob Zoo
• Kaiser Permanente
• XaivHealth
• UnitedHealthcare
• UPMC

Medicare Advantage HMO cov phiaj xwm

Lub Koomhaum Saib Xyuas Kev Noj Qab Haus Huv (HMO) cov kev npaj khomob yog qhov kev xaiv nrov rau cov neeg uas xav tau kev tiv thaiv ntxiv tsis muaj los ntawm Medicare thawj. Hauv Medicare Advantage HMO txoj kev pab them nqi, koj tuaj yeem tau txais kev saib xyuas los ntawm koj cov phiaj xwm khomob nyob hauv cov koom tes kho mob, tab sis koj yuav tsum tau txais kev xa mus ntsib cov kws kho mob tshwj xeeb.

Muaj ntau txoj kev xaiv rau Medicare Advantage HMO cov kev pab them nqi hauv txhua lub xeev, suav nrog cov phiaj xwm nrog $ 0 nqi them, tsis muaj txiav tawm, thiab tsis them nyiaj tsawg. Txhawm rau nkag rau hauv Medicare Advantage HMO txoj kev pab them nqi, koj yuav tsum tau cuv npe rau hauv Medicare qub.

Medicare Advantage PPO cov phiaj xwm

Cov Koom Haum Uas Muaj Kev Nyab Xeeb (PPOs) yog cov kev xaiv kho mob nrov tshaj plaws rau kev duav tau ntxiv. Hom phiaj xwm no tso cai rau muaj kev ywj pheej ntau dua rau cov neeg yuav khoom.

Nrog phiaj xwm PPO, koj tuaj yeem mus ntsib koj cov kws kho mob, cov kws tshaj lij, thiab cov chaw tu neeg, txawm tias lawv nyob hauv koj txoj kev pab pawg. Txawm li cas los xij, PPO cov phiaj xwm npaj cov nqi sib txawv raws li cov npe ntawm cov koom tes nrog lossis cov koom tes tawm sab nrauv.

PPOs kuj yooj yim vim tias koj tsis tas yuav xa mus ntsib tus kws paub tshwj xeeb.

Medicare Part C raug nqi ntau npaum li cas?

Nws muaj ntau cov nuj nqis cuam tshuam nrog Medicare Tshooj C daim phiaj xwm, uas txhais tau tias koj cov nqi them tawm sab nraud yuav txawv.

Qee cov phiaj xwm Medicare Part C yuav them rau ib feem ntawm koj Tshooj B hwm tus nqi them txhua hli. Txawm li cas los xij, qee qhov ntawm cov phiaj xwm no kuj muaj lawv tus kheej hwm thiab txiav tawm tau.

Ntxiv rau cov nqi no, koj tseem yuav tsum them feem them nrog them thaum them cov kev pabcuam.

Lwm yam uas ua rau koj tau them ntau npaum li cas ntawm Medicare Part C txoj kev npaj them nqi koj yuav suav nrog:

• hom phiaj qauv koj xaiv, xws li HMO, PPO, PFFS, SNP, lossis MSA
• koj cov nyiaj tau los, uas tuaj yeem siv los txiav txim koj tus nqi lossis qhov nyiaj txiav tawm
• koj feem pua ​​ntawm cov nqi
• koj xav tau kev pab kho mob pes tsawg zaus
• txawm hais tias koj tau txais kev pab kho mob hauv kev sib koom tes lossis tawm sab nrauv
• txawm hais tias koj tau txais lwm yam kev pab nyiaj, xws li Medicaid

Muaj ntau yam zoo ntawm kev muaj Medicare Tshooj C, suav nrog txhua xyoo koj yuav them nyiaj npaum li cas hauv koj lub hnab ris. Txawm li cas los xij, cov nqi pib yuav ntxiv rau lub sijhawm ua ntej koj ntaus lub hau, yog li nws tseem ceeb uas yuav tau xav txog txhua yam thaum xaiv koj qhov Medicare Part C txoj kev npaj khomob.

Yog tias koj tsis xav tau Medicare Tshooj C

Yog tias koj zoo siab nrog koj qhov kev pab them kho mob Medicare tam sim no thiab tsuas yog xav tau txais kev pab them cov tshuaj nkaus xwb, Medicare Part D txoj kev npaj yuav nyob ib leeg yuav yog txoj kev xaiv zoo tshaj plaws.

Yog tias koj muaj kev pab them nqi Medicare tab sis tsuas yog xav tau kev pab ntxiv nrog cov nqi, Medicare kev tuav pov hwm nyiaj ntxiv (Medigap) txoj cai yuav ua haujlwm rau koj.

Rau qee tus neeg, Medicare Ntu C yog ib qho nqi ntxiv uas lawv tsis tuaj yeem them taus - qhov no, kev yuav khoom rau Ntu D thiab Medigap kev pab them nqi yuav pab txuag tau nyiaj.

Pab qhia rau cov neeg hauv tsev neeg lossis cov phooj ywg xaiv qhov Medicare Tshooj C txoj kev npaj yuav ua rau kev nkag siab, tab sis nws tsis tas yuav nyuaj. Nov yog qee yam los xav txog thaum rov los saib cov phiaj xwm:

• Hom kev pab them nqi. Yog tias koj tsev neeg xav tau cov kev pab them nqi uas ntu A thiab B tsis kam muab, sim nrhiav cov phiaj xwm uas duav txhua qhov chaw uas tseem ceeb rau lawv.
• Hom phiaj. Xaiv hom Medicare Hom C txoj cai zoo yog nyob ntawm lawv tus kheej nyiam. HMO, PPO, PFFS, SNP thiab MSA cov qauv phiaj xwm txhua yam yuav tsum raug txiav txim siab.
• Tus nqi them nyiaj hauv hnab ris. Cov nyiaj tau los qis tuaj yeem ua rau nws tsis yooj yim kom tau raws li Medicare Part C tus nqi them, rho tawm tau, thiab tus nqi them tus nqi sab nraud. Sim mus kav khw ib ncig rau cov nqi uas lawv tuaj yeem txais.
• Cov xwm txheej kho mob. Txhua tus neeg muaj kev noj qab haus huv tshwj xeeb uas yuav tsum tau txiav txim siab thaum mus yuav khoom Medicare. Xav txog tej yam xws li mob nkeeg, kev mus ncig ntau zaus, thiab cov kws zov nyiam.
• Lwm yam. Ib ntawm ntau dua 800,000 cov neeg tau txais txiaj ntsig tau pom tias yam tseem ceeb xws li kev ua lag luam feem ntawm lub koom haum thiab kev ntaus nqi hnub qub tau raug txiav txim siab thaum xaiv Medicare Part C txoj kev npaj.

Cov nqa mus

• Medicare Part C cov phiaj xwm, tseem hu ua Medicare Advantage cov phiaj xwm, yog cov phiaj xwm pov hwm kev xaiv lwm yam uas muaj cov txiaj ntsig ntawm ob qho kev pabcuam qub thiab Medicare ntxiv.
• Medicare Tshooj C yog ib txoj kev xaiv zoo rau cov neeg txaus siab rau kev pab them cov tshuaj, kho qhov muag thiab kho hniav, thiab lwm yam.
• Tus nqi ntawm Tshooj C txoj kev npaj nyob ntawm ntau yam, nrog rau cov nqi txhua hli thiab txhua xyoo, them nyiaj ntxiv, thiab koj xav tau kev kho mob.
• Mus saib Medicare.gov kom pom Medicare Tshooj C txoj kev pab them nqi kho mob uas ua haujlwm rau koj.

Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 13, 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.

Nyeem kab lus no ua lus Mev