Idaho Medicare Cov Tswv Yim Kho Mob hauv 2021

Zoo Siab

• Medicare yog dab tsi?
• Ntu A
• Ntu B
• Ntu C
• Ntu D
• Medigap
• Medicare cov nyiaj khaws tseg cia
• Cov phiaj xwm Medicare Advantage twg muaj nyob hauv Idaho?
• Leej twg thiaj muaj feem tau txais Medicare nyob hauv Idaho?
• Kuv muaj cuab kav teev npe tau rau hauv Medicare Idaho cov phiaj xwm thaum twg?
• Cov lus qhia rau kev cuv npe hauv Medicare hauv Idaho
• Idaho Medicare cov chaw muab kev pab
• Kuv yuav ua licas txuas ntxiv mus?

Cov phiaj xwm Medicare nyob hauv Idaho muab ntawv them nqi kho mob rau cov neeg muaj hnub nyoog 65 thiab laus dua, thiab rau qee cov neeg muaj hnub nyoog qis dua 65 xyoos uas muaj raws li kev tsim nyog. Muaj ntau ntu rau Medicare, suav nrog:

• qub Medicare (Tshooj A thiab Tshooj B)
• Qhov zoo rau Medicare (Tshooj C)
• cov phiaj xwm tshuaj (Tshooj D)
• Kev tuav pov hwm them nyiaj ntxiv Medicare (Medigap)
• Cov txhab nyiaj khaws nyiaj Medicare (MSA)

Thawj qhov Medicare yog muab los ntawm tsoomfwv. Medicare Advantage, kev npaj tshuaj, thiab ntawv tuav pov hwm Medigap yog tag nrho los ntawm cov tuam txhab muag kev tuav pov hwm ntiag tug.

Nyeem rau kom paub ntau ntxiv txog koj cov kev xaiv Medicare hauv Idaho.

Medicare yog dab tsi?

Txhua tus neeg uas cuv npe rau Medicare, suav nrog cov phiaj xwm Medicare Advantage, yuav tsum xub rau npe rau Tshooj A thiab Ntu B tiv thaiv.

Ntu A

Ntu A tsis muaj them tus nqi txhua hli rau cov neeg feem coob. Koj yuav tau them qhov yus them yus txhua zaus koj nkag hauv tsev kho mob. Nws npog:

• mus pw hauv tsev kho mob
• muaj kev saib xyuas tsawg tsawg hauv cov tsev laus
• tsev kho mob
• kho mob hauv tsev ib txhia

Ntu B

Ntu B muaj tus nqi them txhua hli thiab qhov tawm xyoo tawm. Thaum koj ua tau raws li qhov txiav tawm, koj them 20 feem pua ​​nyiaj them rau kev kho mob rau qhov tseem tshuav ntawm lub xyoo. Nws npog:

• Pab saib xyuas cov neeg mob sab nrauv
• kws kho mob teem tseg
• kev tiv thaiv kev tiv thaiv, xws li kev kuaj mob thiab kev kuaj mob txhua xyoo
• kev sim kuaj thiab ntsuas duab, xws li xoo duab hluav taws xob

Ntu C

Medicare Advantage (Tshooj C) cov phiaj xwm muaj los ntawm cov tuam txhab tuav pov hwm ntiag tug uas ntim cov ntu A thiab B, thiab feem ntau cov txiaj ntsig ntawm Tshooj D thiab lwm hom kev pab them.

Ntu D

Seem D npog cov nqi tshuaj thiab yuav tsum tau yuav los ntawm kev tuav pov hwm kev pov hwm ntiag tug. Muaj ntau hom phiaj faj seeb Medicare Advantage suav nrog Duav Duav.

Medigap

Cov kev npaj khomob Medigap muaj dhau los ntawm cov tuam txhab tuav pov hwm tus kheej los pab them qee cov nqi khomob, vim tias Medicare thawj daim ntawv tsis muaj kev txwv txiav tawm. Cov phiaj xwm no tsuas muaj nrog Medicare thawj.

Medicare cov nyiaj khaws tseg cia

Medicare cov txhab nyiaj tau paj me (MSAs) zoo ib yam li cov txhab nyiaj rau kev noj qab haus huv nrog cov nyiaj sau se tawm tau tso tawm uas tuaj yeem siv rau kev siv them nqi kho mob, suav nrog Medicare cov nyiaj pab them nqi kho mob thiab kev saib xyuas ncua ntev. Cov no cais tawm los ntawm tsoom fwv tus as-qhauj Medicare cov nyiaj khaws tseg, thiab muaj cov cai tswj se tshwj xeeb los tshuaj xyuas thiab nkag siab ua ntej koj kos npe.

Cov phiaj xwm Medicare Advantage twg muaj nyob hauv Idaho?

Cov tuam txhab tuav pov hwm uas muab Medicare Advantage cov phiaj xwm cog lus nrog Lub Chaw rau Medicare & Medicaid Cov Kev Pab Cuam (CMS) thiab muaj kev pab them tib yam li Medicare qub. Ntau yam ntawm cov phiaj xwm no tseem muaj kev pov hwm them rau qee yam xws li:

• kho hniav
• kev pom kev
• hnov
• tsheb thauj mus cuag kev kho mob
• tus me nyuam noj mov hauv tsev

Lwm cov txiaj ntsig ntawm Medicare Advantage cov kev npaj yog cov kev siv nyiaj txhua xyoo cov kev siv nyiaj ntawm $ 6,700 - qee qhov kev npaj kuj tseem txwv qis dua. Tom qab koj ncav cuag qhov kev txwv tsis pub tshaj, koj txoj kev npaj them 100 feem pua ​​ntawm cov nqi npog rau lub xyoo kom tag.

Medicare Advantage cov kev npaj hauv Idaho suav nrog:

• Lub Koomhaum Saib Xyuas Kev Noj Qab Haus Huv (HMO). Tus thawj kws khomob (PCP) koj xaiv los ntawm cov koomhaum pabcuam yuav ua haujlwm saib xyuas koj. Koj xav tau kev xa tawm ntawm koj tus PCP mus ntsib cov kws khomob tshwj xeeb. HMO muaj cov cai zoo li cov muab kev pab thiab cov chaw koj yuav tsum tau siv nyob hauv lawv cov network, thiab cov lus pom zoo ua ntej, yog li nyeem thiab ua raws li cov cai kom zoo kom ntseeg tau tias koj tsis raug mob nrog tus nqi tsis tau xav txog.
• HMO Point of Service (HMO-POS). HMO nrog cov taw tes ntawm cov kev pab (POS) kev tso cai rau koj kom tau txais kev kho mob sab nraud cov koom nrog qee yam. Muaj nqi them ntxiv rau kev saib xyuas sab nraud ntawm POS. Cov phiaj xwm tsuas yog muaj nyob hauv qee cov xeev Idaho.
• Lub Chaw Txhawb Nqa Cov Chaw Zov Me Nyuam (PPO). Nrog rau PPO, koj tuaj yeem tau txais kev saib xyuas los ntawm ib tus kws khomob lossis chaw khomob hauv PPO network.Koj tsis tas yuav xa koj tus kheej los ntawm PCP mus ntsib cov kws tshaj lij, tab sis nws yog lub tswv yim zoo kom muaj thawj tus kws kho mob. Kev saib xyuas sab nraum lub network kuj yuav kim dua lossis tsis tau them rau.
• Ntiag Tug-Nqi Rau Kev Pabcuam (PFFS). PFFS npaj kev sib tham ncaj qha nrog cov muab kev pab thiab chaw kho mob los txiav txim qhov koj tshuav nqi rau kev saib xyuas. Qee tus neeg muaj cov koom tes nrog, tab sis feem ntau tso cai rau koj mus ntsib ib tus kws kho mob lossis tsev kho mob uas yuav kam txais qhov phiaj xwm. PFFS cov phiaj xwm tsis raug lees txais nyob txhua qhov chaw.
• Cov Ntawv Xav Tau Tshwj Xeeb (SNPs)Cov. SNPs hauv Idaho muaj nyob hauv qee lub nroog thiab tsuas muaj yog tias koj tsim nyog rau ob qho Medicare thiab Medicaid (ob qhov muaj cai).

Koj tuaj yeem xaiv Medicare Advantage cov kev npaj hauv Idaho los ntawm:

• Aetna Medicare
• Xiav Hla ntawm Idaho
• Neej Neeg Dab
• MediGold
• Molina kho mob ntawm Utah & Idaho
• PacificSource Medicare
• Regence BlueShield ntawm Idaho
• XaivHealth
• UnitedHealthcare

Muaj cov kev npaj yuav txawv nyob ntawm koj lub nroog qhov chaw nyob.

Leej twg thiaj muaj feem tau txais Medicare nyob hauv Idaho?

Medicare nyob hauv Idaho muaj rau Asmeskas cov pej xeem (lossis cov neeg muaj cai nyob rau 5 xyoos lossis ntau dua) uas muaj hnub nyoog 65 xyoos thiab tshaj saud. Yog koj muaj hnub nyoog qis dua 65 xyoos, koj tseem yuav tau txais Medicare yog koj:

• tau txais Nyiaj Pab Nyiaj Xaus Saus los yog Nyiaj Pab Nyiaj Rau Kev Puas Hlwb Kev Mus Los Tau 24 lub hlis
• muaj mob raum ntu kawg (ESRD)
• muaj amyotrophic lateral sclerosis (ALS)

Kuv muaj cuab kav teev npe tau rau hauv Medicare Idaho cov phiaj xwm thaum twg?

Muaj qee lub sijhawm ntawm lub xyoo thaum koj tuaj yeem tso npe lossis hloov Medicare thiab Medicare Advantage cov phiaj xwm.

• Lub sijhawm nkag thaum xub thawj (IEP). Peb lub hlis ua ntej koj muaj 65 xyoos, koj tuaj yeem tso npe rau Medicare rau kev pab them nqi uas pib thaum koj lub hlis yug. Yog tias koj plam lub qhov rai ntawd, koj tseem tuaj yeem sau npe thaum lub hnub yug lossis 3 hlis tom qab, tab sis muaj kev ncua ua ntej kev pab them nqi pib.
• Kev rau npe nkag (Lub Ib Hlis 1 txog Peb Hlis 31). Koj tuaj yeem tso npe rau ntu A, B, lossis D thaum lub sijhawm sau npe dav dav yog tias koj plam IEP thiab tsis tsim nyog rau lub sijhawm tshwj xeeb. Yog tias koj tsis muaj lwm yam kev pab them nqi thiab tsis kos npe rau thaum lub sij hawm koj qhov IEP, koj yuav them qhov kev rau npe qeeb rau Ntu B thiab Ntu D.
• Qhib rau npe nkag (Kaum Hli 15 txog Kaum Ob Hlis 7). Yog tias koj twb tau tso npe rau Medicare lawm, koj tuaj yeem hloov txoj kev xaiv thaum lub sijhawm sau npe txhua xyoo.
• Medicare Advantage qhib kev rau npe nkag (Lub Ib Hlis 1 txog Peb Hlis 31). Thaum qhib kev rau npe nkag, koj tuaj yeem pauv hloov Medicare Advantage cov kev npaj lossis hloov mus rau Medicare qub.
• Lub sijhawm sau npe kawm tshwj xeeb (SEP). Koj tuaj yeem tso npe rau Medicare thaum SEP yog tias koj tau poob kev pov hwm vim muaj kev tsim nyog, xws li tsiv tawm hauv koj txoj phiaj xwm phiaj xwm hauv cheeb tsam lossis poob ib qho chaw ua haujlwm txhawb nqa tom qab so haujlwm. Koj tsis tas yuav tos txog kev rau npe txhua xyoo.

Cov lus qhia rau kev cuv npe hauv Medicare hauv Idaho

Vim muaj ntau txoj kev xaiv nyob hauv, nws yog ib qho tseem ceeb uas yuav tau ua tib zoo saib xyuas koj tus kheej txoj kev noj qab haus huv xav tau kev txiav txim siab seb puas yog Medicare lossis Medicare Advantage yog qhov kev xaiv zoo tshaj plaws thiab seb koj yuav xav tau kev pab them nqi ntxiv.

Xaiv lub hom phiaj uas:

• muaj kws kho mob koj nyiam thiab cov chaw uas yooj yim rau koj qhov chaw nyob
• duav tau cov kev pab koj xav tau
• muab cov kev pov hwm pheej yig
• muaj qhov ua tiav lub hnub qub siab rau cov txiaj ntsig zoo thiab siab neeg mob los ntawm CMS

Idaho Medicare cov chaw muab kev pab

Nrhiav cov lus teb rau cov lus nug thiab nrhiav kev pab nrog Medicare Idaho cov phiaj xwm los ntawm cov kev pab hauv qab no:

• Cov Kws Pab Tswv Yim Txog Nyiaj Pov Hwm Kev Noj Qab Haus Huv Laus (SHIBA) (800-247-4422). SHIBA muab kev pab pub dawb rau Idaho cov laus nrog cov lus nug txog Medicare.
• Idaho Department of Insurance (800-247-4422). Cov peev txheej no muab cov ntaub ntawv ntawm Cov Kev Pab Ntxiv thiab Medicare Cov Nyiaj Txuag rau Kev Pab Them Medicare yog tias koj them tsis taus.
• Nyob Zoo Idaho (877-456-1233). Nov yog kev koom tes ntawm pej xeem-ntiag tug nrog cov ntaub ntawv thiab cov peev txheej hais txog Medicare thiab lwm cov kev pab rau cov pej xeem Idaho.
• Lub Xeev Idaho AIDS Kev Pab Yeeb Tshuaj (IDAGAP) (800-926-2588). Lub koom haum no muab kev pab nyiaj rau Medicare Part D yog tias koj muaj tus kabmob HIV.

• Kuv yuav ua licas txuas ntxiv mus?

  Thaum koj npaj siab yuav rau npe koom rau hauv Medicare:

  • Txiav txim siab yog tias koj xav tau cov kev pab them nyiaj ntxiv thiab cov txiaj ntsig ntawm Medicare Advantage (Tshooj C) txoj kev npaj khomob.
  • Saib xyuas cov phiaj xwm muaj nyob hauv koj lub nroog thiab cov kev pab uas lawv muaj.
  • Cim koj daim ntawv qhia hnub rau koj qhov IEP lossis qhib kev rau npe nkag paub thaum koj tuaj yeem kos npe nkag.

  Kab lus no tau hloov kho thaum Lub Kaum Hlis 5, 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.