Nevada Medicare Cov Tswv Yim Hauv Xyoo 2021

Zoo Siab

• Medicare yog dab tsi?
• Ntu A
• Ntu B
• Tshooj C (Medicare Advantage)
• Ntu D
• Kev tuav pov hwm them nyiaj ntxiv Medicare (Medigap)
• Cov phiaj xwm Medicare Advantage muaj nyob Nevada li cas?
• Leej twg thiaj li tsim nyog txais Medicare hauv Nevada?
• Thaum twg kuv thiaj tuaj yeem tso npe tau rau hauv Medicare Nevada npaj?
• Lub sijhawm nkag thaum pib (IEP)
• General lub sij hawm rau npe nkag
• Medicare Advantage qhib kev rau npe nkag
• Qhib lub sijhawm sau npe
• Lub sijhawm sau npe tshwj xeeb (SEPs)
• Cov lus qhia rau kev cuv npe hauv Medicare hauv Nevada
• Nevada Medicare kev pab
• Kuv yuav ua licas txuas ntxiv mus?

Yog tias koj nyob hauv Nevada thiab muaj 65 xyoo lossis laus dua, tej zaum koj yuav tsim nyog muaj npe rau Medicare. Medicare yog ntawv pov hwm kho mob los ntawm tsoomfwv. Koj kuj yuav tsim nyog tau txais yog tias koj muaj hnub nyoog qis dua 65 xyoos thiab muaj qee yam mob uas yuav tsum tau muaj.

Nyeem rau kom paub txog koj cov kev xaiv Medicare hauv Nevada, thaum twg thiab yuav sau npe li cas, thiab cov kauj ruam tom ntej.

Medicare yog dab tsi?

• Original Medicare: duav tau txog tsev kho mob thiab pw hauv tsev kho mob nyob rau ntu A thiab B
• Qhov zoo rau Medicare: kev tuav pov hwm kho mob ntiag tug uas sau cov nyiaj pab tib yam li Medicare qub thiab kuj tseem muaj lwm cov kev xaiv tiv thaiv ntxiv
• Tshooj Medicare D: cov phiaj xwm kev pov hwm ntiag tug no them rau cov nuj nqis tshuaj noj
• Kev tuav pov hwm them ntxiv Medicare (Medigap): cov phiaj xwm muab kev pab them nqi los pab them rau txo cov nqi txo, cov nqi them them ua ke, kev pab them nqi, thiab lwm yam nuj nqis Medicare-ntawm-hnab ris

Ntu A

Ntu A pab them kev kho mob hauv tsev kho mob, tsev kho mob tseem ceeb, lossis tsawg lub sijhawm nyob hauv tsev laus.

Yog tias koj tsim nyog rau Seem A Dawb, tsis muaj nqi them txhua hli rau qhov kev pov hwm no. Koj yuav tshuav tus nqi them ua ntej thaum twg koj tuaj nyob hauv kev saib xyuas.

Yog tias koj tsis tsim nyog rau ntu A tsis muaj tus nqi them, koj tseem tuaj yeem tau txais Tshooj A tab sis koj yuav tsum them tus nqi them.

Ntu B

Ntu B npog lwm yam kev kho mob sab nraum tsev kho mob, suav nrog:

• mus ntsib koj tus kws kho mob
• kev tiv thaiv kev saib xyuas
• kev kuaj sim, kuaj mob thiab ntsuas duab
• ruaj cov khoom siv kho mob

Tus nqi them txhua hli rau feem B cov phiaj xwm pauv pauv txhua xyoo.

Tshooj C (Medicare Advantage)

Cov chaw them nyiaj ntiag tug tseem muab Medicare Advantage (Tshooj C) cov phiaj xwm. Cov phiaj xwm Medicare Advantage muaj cov txiaj ntsig zoo ib yam li seem A thiab B ntawm Medicare qub tabsis feem ntau muaj kev pab them ntxiv (nrog cov nqi ntxiv) uas yuav suav nrog:

• kho hniav, kho qhov muag, thiab hnov ​​lus
• lub rooj muaj log siv qis dua
• tus me nyuam noj mov hauv tsev
• kev pab kho mob uas tseem ceeb

Koj tseem yuav teev npe rau Ntu A thiab Ntu B thiab them tus nqi B feem koj them thaum koj nkag rau Medicare Advantage txoj kev pab them nqi.

Ntu D

Txhua tus neeg nyob hauv Medicare muaj feem tau txais kev pab them tshuaj (Tshooj D), tab sis nws tsuas yog muaj los ntawm cov chaw pab kas phais ntiag tug. Nws yog ib qho tseem ceeb kom sib piv cov phiaj xwm vim tias tus nqi thiab cov kev pab them nqi sib txawv.

Kev tuav pov hwm them nyiaj ntxiv Medicare (Medigap)

Kev tuav pov hwm them nyiaj Medicare ntxiv (Medigap) pab them cov nqi hauv hnab tshos rau feem A thiab B. Cov phiaj xwm no tau muaj los ntawm cov chaw pab kas phais ntiag tug.

Cov phiaj xwm Medigap tuaj yeem yog qhov zoo yog tias koj muaj cov nqi kho mob siab vim qhov Medicare qub tsis muaj qhov txwv tsis pub siv nyiaj txhua xyoo. Cov kev npaj khomob Medigap tseem tuaj yeem pab daws cov kev ntxhov siab ib puag ncig ntawm cov nuj nqis kev noj qab haus huv yog tias koj xaiv ib qho uas tsis muaj qhov ntau tshaj plaws.

Cov phiaj xwm Medicare Advantage muaj nyob Nevada li cas?

Cov phiaj xwm Medicare Advantage hauv Nevada poob rau plaub yam:

Lub Koomhaum Saib Xyuas Kev Noj Qab Haus Huv (HMO). Nrog HMO, koj cov kev saib xyuas mob yog saib xyuas los ntawm tus thawj kws kho mob (PCP) hauv txoj kev pab them nqi kho mob uas xa koj mus rau cov kws kho mob tshwj xeeb raws li xav tau. Yog tias koj tawm hauv lub network rau txhua yam tshwj tsis yog kev saib xyuas kub ntxhov lossis lim ntshav, tej zaum yuav tsis duav tau. Nws yog ib qho tseem ceeb yuav tau nyeem thiab ua raws txhua txoj phiaj xwm txoj cai.

Pxa Cov Koom Haum Pabcuam (PPO)Cov. Cov phiaj xwm PPO muaj kev sib koom ua ke ntawm kws kho mob thiab cov chaw uas muab kev pab cuam raws li koj txoj phiaj xwm. Koj tsis tas yuav xa koj mus ntsib tus kws kho mob tshwj xeeb, tab sis koj kuj tseem xav kom muaj PCP los tswj hwm kev saib xyuas koj. Kev saib xyuas sab nraum lub network yuav raug nqi ntau dua.

Kev Them Nqi Kho-Rau-Kev Pab(PFFS)Cov. Nrog PFFS, koj tuaj yeem mus ntsib kws kho mob los yog chaw kho mob pom zoo Medicare, tab sis lawv sib tham lawv tus kheej cov nqi. Tsis yog txhua tus kws kho mob lees txais cov phiaj xwm no, yog li tshawb xyuas seb koj cov kws kho mob xav tau ua ntej koj xaiv qhov kev xaiv no.

Txoj Kev Xav Tau Tshwj Xeeb (SNP)Cov. Cov SNP muaj rau cov neeg uas xav tau kev tswj hwm qib siab thiab ua kom sib haum. Tej zaum koj yuav tsim nyog muaj npe rau SNP yog tias koj:

• muaj qee yam mob, xws li mob raum ntu kawg (ESRD), ntshav qab zib, lossis mob plawv
• tsim nyog rau ob qho Medicare thiab Medicaid (ob leeg tsim nyog)
• nyob hauv tsev laus

Medicare Advantage cov kev npaj hauv Nevada yog muaj los ntawm cov tuam txhab tuav pov hwm nram qab no:

• Aetna Medicare
• Dlhos Ntawv Npaj Kho Mob
• Txhua tus
• Anthem Blue Hla thiab Xiav Xiav
• Neej Neeg Dab
• Imperial Insurance Companies, Inc
• Lasso Kho Mob
• Kev Txhawb Txoj Kev Npaj Kho Mob
• XaivHealth
• Kev Tu Neeg Ntxiv
• UnitedHealthcare

Tsis yog txhua tus cab kuj muaj cov phiaj xwm hauv txhua Nevada suav, yog li koj cov kev xaiv yuav hloov raws li koj tus ZIP code.

Leej twg thiaj li tsim nyog txais Medicare hauv Nevada?

Koj yuav tsim nyog rau Medicare yog tias koj muaj hnub nyoog 65 xyoos lossis tshaj saud thiab ib tus pej xeem lossis neeg muaj cai nyob hauv tebchaws Meskas tau 5 xyoos los yog tshaj saud.

Yog tias koj muaj hnub nyoog qis dua 65 xyoos, tej zaum koj yuav tsim nyog yog tias koj:

• tau txais cov txiaj ntsig kev xiam oob qhab los ntawm Railroad Retirement Board lossis Social Security
• muaj ESRD lossis yog tus tau txais lub raum hloov ntshav
• muaj amyotrophic lateral sclerosis (ALS)

Txhawm rau kom tau txais Medicare Tshooj A uas tsis muaj tus nqi them txhua hli, koj lossis koj tus txij nkawm yuav tsum ua tau raws cov kev cai uas tau ua dhau los ntawm txoj haujlwm uas koj tau them Medicare se rau 10 lossis ntau xyoo dhau los.

Koj siv tau Medicare qhov twj pab online los txiav txim koj qhov muaj cai.

Thaum twg kuv thiaj tuaj yeem tso npe tau rau hauv Medicare Nevada npaj?

Cov Medicare qub, Medicare Advantage, thiab Medigap cov phiaj xwm tau teem sijhawm thaum koj tuaj yeem tso npe lossis hloov cov phiaj xwm thiab duav tau. Yog tias koj tsis ncua sijhawm rau npe nkag, koj yuav tsum tau them tus nqi nplua tom qab.

Lub sijhawm nkag thaum pib (IEP)

Lub qhov rais thaum pib rau npe yog thaum koj muaj 65 xyoo. Koj tuaj yeem tso npe txhua lub sijhawm hauv 3 lub hlis ua ntej, hli, lossis 3 hlis tom qab koj 65 xyoos.

Yog tias koj rau npe ua ntej lub hlis koj hnub yug, koj cov kev pab yuav pib lub hlis uas koj muaj 65 xyoos.

Hauv koj qhov IEP koj muaj peev xwm rau npe rau ntu A, B, thiab D.

General lub sij hawm rau npe nkag

Yog tias koj plam koj qhov IEP thiab xav tau kos npe rau Medicare qhov tseem ceeb lossis hloov txoj kev npaj lub hom phiaj, koj tuaj yeem ua qhov no thaum lub sijhawm tso npe nkag. Lub caij teev npe nkag dav dav muaj tshwm sim txhua xyoo nyob nruab nrab Lub Ib Hlis 1 thiab Peb Hlis 31, tab sis koj cov kev pab yuav tsis pib kom txog thaum Lub Xya Hli 1.

Koj tuaj yeem rau npe rau ntu A thiab B lossis hloov pauv ntawm Medicare thawj zaug mus rau Medicare Advantage thaum lub sijhawm sau npe nkag.

Medicare Advantage qhib kev rau npe nkag

Koj tuaj yeem hloov los ntawm ib qho Medicare Advantage txoj kev npaj mus rau lwm qhov lossis hloov mus rau Medicare qub thaum lub sijhawm Medicare Advantage qhib kev rau npe nkag. Medicare Advantage qhib kev rau npe kawm tshwm sim txhua xyoo nyob nruab nrab Lub Ib Hlis 1 thiab Peb Hlis 31.

Qhib lub sijhawm sau npe

Thaum qhib rau npe nkag, koj tuaj yeem tso npe rau hauv Tshooj C (Medicare Advantage) thawj zaug phiaj xwm lossis kos npe rau Phaj D yog tias koj tsis ua nws thaum lub sijhawm IEP.

Qhib qhib rau npe tshwm sim txhua xyoo nyob nruab nrab Lub Kaum Hli 15 thiab Kaum Ob Hlis 7.

Lub sijhawm sau npe tshwj xeeb (SEPs)

SEPs tso cai rau koj mus cuv npe sab nraud lub sijhawm sau npe ib txwm qee yam, xws li poob chaw ua haujlwm-phiaj xwm los ntawm chaw ua haujlwm, lossis tsiv tawm ntawm thaj chaw pabcuam koj. Txoj kev no, koj tsis tas tos kev qhib rau npe nkag.

Cov lus qhia rau kev cuv npe hauv Medicare hauv Nevada

Nrog ntau txoj kev xaiv muaj, nws yog ib qho tseem ceeb uas yuav tau txiav txim siab txog koj cov nqi kho mob thiab cov kev xav tau txhua xyoo los txiav txim rau txoj kev npaj kho mob zoo tshaj plaws rau koj.

Yog tias koj xav tias yuav tus nqi kho mob siab nyob rau xyoo tom ntej, koj yuav xav tau Medicare Advantage txoj kev npaj kom cov nuj nqis kho mob tom qab koj ncav cuag cov nyiaj hauv hnab tshos. Lub hom phiaj Medigap kuj tseem tuaj yeem pab them cov nqi kho mob siab.

Lwm yam uas yuav tau xav txog yog:

• tus nqi txhua hli hwm
• txiav tawm, feem yus them, thiab cov nyiaj them poob haujlwm
• cov muab kev pab tu hauv cov phiaj xwm phiaj xwm (network)

Koj tuaj yeem tshuaj xyuas CMS cov kev ntsuas lub hnub qub kom pom seb cov phiaj xwm ua tau zoo npaum li cas ntawm kev ua tau zoo thiab kev mob siab rau tus neeg mob.

Nevada Medicare kev pab

Yog xav paub ntxiv txog Medicare cov phiaj xwm hauv Nevada, ncav cuag ib qho ntawm cov kev pab txuas mus no:

• Xeev Qhov Nyiaj Pov Hwm Kev Nyab Xeeb (SHIP): 800-307-4444
• SeniorRx txog kev pab them cov tshuaj yuav tshuaj: 866-303-6323
• Cov ntaub ntawv ntawm Medigap thiab MA cov phiaj xwm
• Qhov pab them tus nqi Medicare ntxiv
• Medicare: hu 800-MEDICARE (800-633-4227) lossis mus rau hauv medicare.gov

Kuv yuav ua licas txuas ntxiv mus?

Txhawm rau nrhiav thiab sau npe rau Medicare hauv Nevada:

• Txheeb xyuas koj cov kev xav tau kev noj qab haus huv thiab cov nqi kho mob tsim nyog nyob rau txhua xyoo yog li koj tuaj yeem xaiv txoj kev npaj kho mob kom raug, suav nrog kev pab them cov nqi ntxiv lossis Tshooj D.
• Cov phiaj xwm tshawb fawb muaj los ntawm cov xaib hauv koj cheeb tsam.
• Cim koj daim ntawv qhia hnub raws sijhawm kom raws caij nyoog kom koj tsis txhob xee npe.

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.