Vermont Medicare Cov Kev Npaj Nyob rau 2021

Zoo Siab

• Medicare yog dab tsi?
• Cov phiaj xwm Medicare Advantage twg muaj nyob hauv Vermont?
• Leej twg muaj feem tsim nyog tau txais Medicare hauv Vermont?
• Kuv muaj cuab kav teev npe tau rau hauv Medicare Vermont cov phiaj xwm thaum twg?
• Cov lus qhia rau kev cuv npe hauv Medicare hauv Vermont
• Kev pab los ntawm Vermont Medicare
• Kuv yuav ua licas txuas ntxiv mus?

Yog tias koj nyob hauv Vermont thiab tsim nyog rau npe rau hauv Medicare, los sis yog tias koj yuav tsim nyog sai sai, siv sij hawm kom nkag siab txog koj cov kev xaiv them yuav pab koj xaiv qhov kev pab zoo tshaj plaws rau koj cov kev xav tau.

Medicare yog tsoomfwv cov nyiaj pab kas phais pov hwm kev noj qab haus huv rau cov neeg hnub nyoog 65 lossis laus dua thiab cov neeg uas tsis taus.Muaj ntau yam ntawm Medicare koj tau txais ncaj qha los ntawm tseem hwv thiab tseem muaj feem uas koj tuaj yeem yuav los ntawm cov tuam txhab tuav pov hwm ntiag tug ntxiv rau los yog hloov cov kev pov hwm ntawd.

Nyeem rau kom paub ntau ntxiv txog Medicare thiab koj cov kev pab them nqi.

Medicare yog dab tsi?

Medicare yog tsim los ntawm ntau qhov chaw. Ntu A thiab B yog feem uas koj tau txais los ntawm tseem hwv. Ua ke, lawv ua cov uas tau paub ua thawj Medicare:

• Ntu A yog kev tuav pov hwm hauv tsev kho mob. Nws pab them cov nqi pw khomob hauv tsev khomob koj tau txais hauv tsev kho mob, chaw saib xyuas mob hauv tsev laus, kev saib xyuas tsawg tsawg hauv tsev laus, thiab qee qhov kev pabcuam saib xyuas mob hauv tsev tsawg.
• Ntu B pab them rau kev kho mob sab nrauv, xws li cov kev pabcuam thiab cov khoom siv uas koj tau txais thaum koj mus rau kws kho mob lub chaw haujlwm, suav nrog kev tiv thaiv kev tiv thaiv.

Yog tias koj lossis koj tus txij nkawm tau ua haujlwm tsawg kawg 10 xyoo, koj yuav tsis xav them tus nqi them rau ntu A. Qhov no yog vim tias koj tej zaum twb tau them nws los ntawm kev them se se. Tus nqi koj them rau feem B yog nyob ntawm ntau yam xws li koj cov nyiaj tau los.

Thawj qhov Medicare them rau ntau heev, tab sis nws muaj qhov ncua hauv kev pov hwm. Koj tseem yuav tau them cov nqi kho mob thaum koj mus tom tsev kho mob lossis mus ntsib kws kho mob. Thiab tsis muaj kev pab them nqi rau txhua yam xws li kev kho hniav, kho qhov muag, kho mob mus ntev, lossis cov tshuaj yuav tshuaj. Yog tias koj xav tau kev tuav pov hwm ntxiv, koj tuaj yeem yuav cov phiaj xwm los ntawm cov koom haum ntiag tug uas tuaj yeem txhim kho koj cov kev pov hwm.

Cov phiaj xwm pabcuam Medicare yog cov kev npaj khomob uas koj tuaj yeem yuav yuav los pab txhawm rau txhaws qhov tsis txaus siab. Qee qhov no hu ua Medigap phiaj xwm. Lawv tuaj yeem pab txo cov nqi them thiab them nyiaj npib, thiab kuj tseem yuav muaj kev pab them nqi kho hniav, kho qhov muag, lossis kev pab tu lub sijhawm ntev.

Phaj D txoj phiaj xwm tshwj xeeb pab them rau cov nqi tshuaj noj.

Medicare Advantage (Tshooj C) muaj cov kev xaiv "tag nrho-hauv-ib qho" rau kev tau txais ntu A thiab B los ntawm tsoomfwv, ntxiv rau cov kev pab them nyiaj ntxiv los ntawm cov pab kas phais ntiag tug.

Medicare Advantage cov kev pab them nqi kho mob yog qhov hloov pauv rau cov thawj Medicare. Tseem hwv txoj cai lij choj kom lawv yuav tsum them rau tag nrho cov kev pab uas yog Medicare qub. Lawv kuj muaj cov kev pab them nyiaj ntxiv, xws li qhov koj tuaj yeem tau txais los ntawm cov kev pabcuam ntxiv thiab Tshooj D cov phiaj xwm, ua rau hauv cov phiaj xwm sib txawv. Medicare Advantage cov kev npaj feem ntau kuj tseem muab cov kev ntxiv nyiaj xws li cov kev pab cuam noj qab haus huv thiab noj qab haus huv, thiab cov neeg tau txais kev txo nqi.

Cov phiaj xwm Medicare Advantage twg muaj nyob hauv Vermont?

Yog tias txoj kev pab them nqi Medicare Advantage zoo li nws yuav yog qhov haum rau koj, cov tuam txhab muag kev pov hwm ntiag tug hauv qab no muaj cov phiaj xwm no hauv Vermont:

• MVP Saib Xyuas Kev Noj Qab Haus Huv
• UnitedHealthcare
• Vermont Xiav Tau Zoo Dua
• WellCare

Medicare Advantage txoj kev pab them nqi sib txawv nyob rau cheeb nroog, yog li sau koj tus lej ZIP tshwj xeeb thaum tshawb cov phiaj xwm koj nyob.

Leej twg muaj feem tsim nyog tau txais Medicare hauv Vermont?

Koj tsim nyog rau npe yog tias koj:

• hnub nyoog 65 lossis laus dua
• hnub nyoog qis dua 65 xyoos thiab muaj qhov tsis taus tsim nyog
• hnub nyoog li cas thiab muaj mob rau cov mob raum ntu kawg (ESRD) lossis amyotrophic lateral sclerosis (ALS)

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

Yog tias koj qhov tsim nyog Medicare tau txais raws hnub nyoog, koj lub sijhawm teev npe pib 3 lub hlis ua ntej koj hloov 65 xyoo thiab txuas ntxiv rau 3 lub hlis tom qab. Nyob rau lub sijhawm no, feem ntau nws ua rau pom tias mus rau npe tsawg kawg Ntu A.

Yog koj lossis koj tus txij nkawm tseem tau txais kev fajseeb khomob los ntawm cov chaw haujlwm, koj yuav xaiv tau qhov kev fajseeb khomob ntawd thiab tsis tso npe rau Ntu B lossis ib qho kev pabcuam Medicare ntxiv lawm. Yog li, koj yuav tsim nyog rau lub sij hawm sau npe tshwj xeeb tom qab.

Tseem muaj lub sijhawm qhib nkag rau txhua xyoo, lub sijhawm koj tuaj yeem nkag nkag rau thawj zaug lossis hloov cov kev npaj. Lub sijhawm sau npe txhua xyoo rau Medicare thawj yog Lub Kaum Hli 1 txog Kaum Ob Hlis 7, thiab lub sijhawm qhib rau npe rau Medicare Advantage cov kev npaj yog Lub Ib Hlis 1 txog Lub Peb Hlis 31.

Cov lus qhia rau kev cuv npe hauv Medicare hauv Vermont

Thaum hais txog kev tso npe rau hauv Medicare cov phiaj xwm hauv Vermont, koj yuav tsum ua tib zoo xav ntau yam tib yam uas koj yuav tau nug thaum tso npe rau ib txoj kev pab them nqi kho mob twg:

• Tus qauv nqi yog dab tsi? Yuav ua li cas siab yog tus nqi them? Thiab koj feem tau nrog them thaum koj mus ntsib kws kho mob lossis nqa tshuaj?
  • Hom phiaj xwm dab tsi yog? Medicare Advantage cov kev pab yuav tsum them rau tag nrho cov txiaj ntsig ib yam li Medicare qub tab sis muaj kev hloov pauv yooj yim hauv kev tsim phiaj xwm. Qee qhov phiaj xwm yuav yog Lub Koomhaum Pab Saib Xyuas Kev Noj Qab Haus Huv (HMO) cov phiaj xwm uas xav kom koj xaiv tus thawj kws kho mob thiab xa mus rau kev saib xyuas tshwj xeeb. Lwm qhov yuav yog Cov Tswv Yim Pab Cuam Tshuam (PPO) cov phiaj xwm uas muab rau koj mus cuag cov kws tshaj lij hauv tes hauj lwm yam tsis muaj kev xa mus.
• Puas yog lub chaw zov me nyuam haum koj cov kev xav tau? Nws puas suav nrog cov kws kho mob thiab tsev kho mob yooj yim rau koj? Yuav ua li cas hais txog cov muab kev saib xyuas uas koj twb muaj kev sib raug zoo nrog thiab xav tau txuas ntxiv kom tau txais kev saib xyuas?

Kev pab los ntawm Vermont Medicare

Cov chaw pabcuam hauv qab no tuaj yeem siv tau yog tias koj xav paub ntau ntxiv txog koj cov kev xaiv Medicare hauv Vermont:

• Central Vermont Council ntawm Kev Laus. Hu rau Senior HelpLine ntawm 800-642-5119 yog muaj lus nug lossis kom tau txais kev pab los teev npe rau Medicare cov phiaj xwm hauv Vermont.
• Medicare.gov
• Social Security Administration

Kuv yuav ua licas txuas ntxiv mus?

Thaum koj npaj tau los mus tom ntej nrog teev npe hauv Medicare hauv Vermont, ua tib zoo xav txog cov theem no:

• Ua ib co kev tshawb fawb ntxiv rau hauv koj cov phiaj xwm phiaj xwm kev xaiv. Cov npe saum toj no yog qhov chaw zoo rau pib tshawb xyuas cov phiaj xwm Medicare hauv Vermont. Koj kuj tuaj yeem hu xov tooj rau Vermont Council on Aging's Senior Helpline ntawm 800-624-5119 txhawm rau kev sab laj ntawm koj tus kheej txog koj cov phiaj xwm Medicare txoj kev xaiv.
• Koj tuaj yeem txiav txim siab ua haujlwm nrog tus neeg sawv cev uas muaj kev paub txog kev muag Medicare cov phiaj xwm hauv Vermont thiab tuaj yeem tawm tswv yim rau koj txog koj cov kev xaiv tuav pov hwm.
• Yog tam sim no koj nyob rau lub sij hawm cuv npe, ua daim ntawv thov online Medicare ntawm Social Security Administration lub vev xaib. Daim ntawv thov yuav siv sijhawm li 10 feeb thiab tsis tas yuav muaj cov ntaub ntawv los ua kom tiav.

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 yuav tsis hloov lag luam kev tuav pov hwm txhua yam thiab tsis muaj ntawv tso cai raws li lub tuam txhab kev pov hwm lossis cov neeg tsim khoom hauv ib cheeb tsam ntawm Teb Chaws Asmeskas. Txoj kev noj qab haus huv tsis tau pom zoo lossis pom zoo rau ib tog neeg thib peb uas tuaj yeem hloov lag luam ntawm kev tuav pov hwm.