14 Nquag Nug Txog Cov Lus Teb Medicare Nug Txog

Zoo Siab

• 1. Medicare them dab tsi?
• Original Medicare
• Medicare Tshooj A
• Medicare Tshooj B
• Medicare Tshooj C (Medicare Advantage)
• Medicare Tshooj D
• Medicare ntxiv (Medigap)
• 2. Cov tshuaj puas them rau?
• Ntu D
• Ntu C
• 3. Thaum twg kuv thiaj muaj feem tau txais Medicare?
• 4. Thaum twg kuv thiaj tuaj yeem tso npe tau hauv Medicare?
• 5. Medicare puas nyob dawb?
• 6. Medicare them ntau npaum li cas rau xyoo 2021?
• Ntu A
• Ntu B
• Ntu C
• Ntu D
• Medigap
• 7. Qhov Medicare rho tawm tau yog dab tsi?
• 8. Medicare txoj kev pov hwm yog dab tsi?
• 9. Medicare ib qho nqi them yog li cas?
• 10. Kev them nuj nqis Medicare yog dab tsi?
• 11. Qhov Medicare them nyiaj ntau tshaj ntawm hnab tshos yog dab tsi?
• 12. Kuv puas siv tau Medicare thaum kuv tsis nyob sab nraud kuv lub xeev?
• 13. Thaum twg kuv tuaj yeem pauv Medicare cov phiaj xwm?
• 14. Kuv yuav ua licas yog kuv poob kuv daim npav Medicare?
• Cov nqa mus

Yog tias koj lossis ib tus neeg koj hlub tau kos npe rau Medicare lossis tseem tabtom npaj yuav rau npe sai, koj yuav muaj qee cov lus nug. Cov lus nug no yuav muaj xws li: Medicare them rau dab tsi? Qhov phiaj xwm Medicare twg yuav them rau kuv cov tshuaj noj? Kuv tus nqi Medicare txhua hli yuav ntau npaum li cas?

Hauv tsab xov xwm no, peb yuav tshawb xyuas cov ncauj lus xws li kev tiv thaiv, nqi, thiab lwm yam ntxiv los pab teb qee cov lus nug hauv Medicare.

1. Medicare them dab tsi?

Medicare muaj Ntu A, Ntu B, Ntu C (Kom Zoo), Ntu D, thiab Medigap - tag nrho cov no muab kev pab them rau cov kev kho mob koj xav tau.

Original Medicare

Medicare Tshooj A thiab Tshooj B yog tag nrho cov npe hu ua Medicare thawj. Raws li koj yuav kawm, Medicare qub tsuas yog them rau koj qhov kev xav tau hauv tsev kho mob thiab cov uas tsim nyog kho lossis tiv thaiv. Nws tsis them rau cov tshuaj noj, kev kho hniav lossis kho qhov muag xyoo, lossis lwm yam nqi ntsig txog koj li kev khomob.

Medicare Tshooj A

Ntu A npog cov kev pabcuam hauv tsev khomob hauv qab no:

• mus pw hauv tsev kho mob
• pw kho mob sab hauv
• tsuas muaj kev tu cov neeg laus hauv tsev laus tsawg
• tsev laus (tsis ntev)
• txwv kev tu mob hauv tsev
• tsev kho mob

Medicare Tshooj B

Ntu B npog cov kev kho mob suav nrog:

• kev tiv thaiv kev kho mob
• kuaj mob
• kev kho mob rau cov mob
• ruaj cov khoom siv kho mob
• kev pabcuam kev mob hlwb
• qee cov tshuaj siv sab nrauv
• cov kev pab txuas xov tooj (ua ib feem ntawm cov lus teb tam sim no rau daim ntawv npog COVID-19)

Medicare Tshooj C (Medicare Advantage)

Medicare Advantage yog Medicare kev xaiv uas muaj los ntawm tuam txhab tuav pov hwm ntiag tug. Cov phiaj xwm no them rau thawj cov kev pab Medicare Tshooj A thiab B. Ntau tus kuj muab kev pov hwm rau tshuaj noj; kho hniav, kho qhov muag, thiab hnov ​​pob ntseg; cov kev pabcuam tawm dag zog; thiab ntau dua.

Medicare Tshooj D

Medicare Tshooj D pab them cov nqi tshuaj noj. Medicare Part D cov kev pab them nqi yog muag los ntawm cov tuam txhab tuav pov hwm ntiag tug thiab tuaj yeem muab ntxiv rau Medicare qub.

Medicare ntxiv (Medigap)

Cov kev npaj khomob Medigap pab them cov nqi cuam tshuam nrog Medicare qub. Cov no suav nrog qhov txo nqi, nyiaj them tus nqi them ua ke, thiab them nyiaj ntxiv. Qee cov phiaj xwm Medigap kuj tseem pab them cov nqi kho mob uas koj yuav ntsib thaum mus ncig txawv tebchaws.

2. Cov tshuaj puas them rau?

Thawj qhov Medicare pab them qee yam tshuaj kho. Piv txwv li:

• Medicare Tshooj A npog cov tshuaj siv rau kev kho mob thaum koj nyob hauv tsev kho mob. Nws tseem suav nrog qee cov tshuaj siv thaum kho mob hauv tsev lossis tsev kho mob.
• Medicare Tshooj B npog qee cov tshuaj siv rau hauv chaw kho mob sab nrauv, xws li kws kho mob lub chaw haujlwm. Ntu B tseem muaj feem cuam txhaj tshuaj tiv thaiv.

Txhawm rau tau txais kev pab them tshuaj tag nrho nrog Medicare, koj yuav tsum teev npe rau Medicare Part D lossis Medicare Part C txoj kev pab them nqi uas muaj kev pab them tshuaj.

Ntu D

Medicare Tshooj D tuaj yeem raug ntxiv rau qhov qub Medicare los pab them tus nqi ntawm koj cov tshuaj noj. Txhua Ntu Txoj Kev Npaj D muaj cov qauv tshuaj, uas yog cov npe tshuaj uas nws yuav tau them rau. Cov tshuaj no yuav vau rau hauv qib siab, feem ntau muab cais tawm los ntawm tus nqi thiab cov npe. Txhua Medicare Part D cov phiaj xwm yuav tsum duav txog tsawg kawg ob yam tshuaj nyob rau hauv cov tshuaj loj.

Ntu C

Cov phiaj xwm Medicare Advantage feem ntau kuj muaj kev pab them tshuaj rau. Zoo li Medicare Ntu D, txhua txoj phiaj xwm Advantage yuav muaj nws ib daig qauv thiab cov cai tswj hwm. Tsuas yog nco ntsoov tias qee lub koomhaum Medicare Saib Xyuas Kev Noj Qab Haus Huv (HMO) thiab Cov Chaw Kho Mob Tshwj Xeeb (PPO) cov phiaj xwm yuav raug nqi ntau dua rau koj cov tshuaj noj yog tias koj siv sab nraum cov khw muag tshuaj.

3. Thaum twg kuv thiaj muaj feem tau txais Medicare?

Cov neeg Asmeskas hnub nyoog 65 xyoos thiab tshaj saud yuav cia li muaj npe tau txais Medicare. Qee tus neeg uas muaj hnub nyoog 65 xyoos uas muaj qhov tsis taus ntev ntev los puav leej muaj cai. Ntawm no yog qhov tsim nyog Medicare ua haujlwm:

• Yog koj muaj hnub nyoog 65 xyoos, koj tsim nyog nkag rau hauv Medicare 3 lub hlis ua ntej koj hnub yug 65 xyoos thiab txog 3 hlis tom qab.
• Yog tias koj tau txais cov txiaj ntsig kev xiam oob qhab ib hlis dhau los ntawm Social Security Administration lossis Railroad Retirement Board, koj muaj cai rau Medicare tom qab 24 lub hlis.
• Yog tias koj muaj amyotrophic lateral sclerosis (ALS) thiab tau txais cov txiaj ntsig kev tsis taus ib hlis, koj tsim nyog rau Medicare tam sim ntawd.
• Yog tias koj tau kuaj pom tias muaj mob raum raum ntu kawg (ESRD) thiab tau hloov raum lossis tau lim ntshav, koj tsim nyog nkag rau Medicare.

4. Thaum twg kuv thiaj tuaj yeem tso npe tau hauv Medicare?

Muaj ntau lub sijhawm nkag rau Medicare. Thaum koj ua tau raws li kev tsim nyog tau txais, koj tuaj yeem tso npe nkag rau lub sijhawm tom qab no.

Muaj qee kis, Kev sau npe Medicare tsis siv neeg. Piv txwv li, koj yuav cia li tso npe nkag rau hauv Medicare thawj zaug yog tias koj tau txais kev them nyiaj xiam oob qhab thiab:

• Koj yuav muaj 65 xyoos nyob rau 4 lub hlis tom ntej
• Koj tau txais nyiaj them rau kev tsis taus rau 24 lub hlis.
• Koj tau raug kuaj mob ntawm ALS.

5. Medicare puas nyob dawb?

Qee qhov phiaj xwm Medicare Advantage tau tshaj tawm raws li phiaj xwm "dawb". Txawm hais tias cov phiaj xwm no yuav ua tau dawb, lawv yuav tsis pub dawb kiag li: Koj tseem yuav tau them qee yam ntawm cov hnab tshos tus nqi.

6. Medicare them ntau npaum li cas rau xyoo 2021?

Txhua feem Medicare uas koj teev npe nkag muaj cov nqi cuam tshuam nrog nws, nrog rau cov nqi them nyiaj, cov nqi txiav tawm, nqi them them, thiab nqi them.

Ntu A

Cov nqi rau Medicare Tshooj A suav nrog:

• tus nqi them txhua qhov ntawm $ 0 txog $ 471 toj hlis, nyob ntawm koj cov nyiaj tau los
• qhov yus them yus ntawm $ 1,484 toj ib lub sijhawm
• qhov nqi them $ 0 rau thawj 60 hnub ntawm kev pw hauv tsev khomob, mus txog tag nrho tus nqi ntawm cov kev pabcuam nyob ntawm seb koj tuaj nyob ntev li cas

Ntu B

Cov nqi rau Medicare Tshooj B suav nrog:

• tus nqi ntawm $ 148.50 lossis siab dua hauv ib hlis, nyob ntawm koj cov nyiaj tau los
• tshem tawm ntawm $ 203
• ib qho txiaj ntsig 20 feem pua ​​ntawm tus nqi koj qhov Medicare-pom zoo tus nqi rau cov kev pabcuam
• tus nqi tsub nqi ntau txog li 15 feem pua ​​yog tias tus nqi ntawm koj cov kev pabcuam ntau dua qhov nyiaj tau pom zoo

Ntu C

Medicare Part C tus nqi yuav txawv nyob ntawm koj qhov chaw, koj qhov chaw muab kev pab thiab hom kev pab them nqi uas koj txoj kev npaj them.

Cov nqi rau Medicare Tshooj C suav nrog:

• Nqe A nqi
• Tshooj B nqi
• tus nqi txhua hli rau Phaj C txoj phiaj xwm
• ib xyoos twg yus them yus rau feem C Txoj Haujlwm
• ib txoj kev npaj yuav tshuaj txiav tawm (yog koj txoj kev npaj suav nrog kev them tshuaj)
• ib qho nyiaj them tus nqi them lossis nqi them ib qho nqi them ib zaug rau tus kws khomob mus ntsib, tus kws khomob tshwjxeeb, lossis ntxiv cov tshuaj noj

Ntu D

Cov nqi rau Medicare Ntu D suav nrog:

• tus nqi txhua hli
• ib xyoos rho tawm ntawm $ 445 lossis qis dua
• ib qho nyiaj them tus nqi pab tiv thaiv lossis tus nqi pab them rau cov tshuaj yuav tshuaj

Medigap

Medigap cov phiaj xwm yuav tsub tus nqi txhua hli uas tau los ntawm koj txoj kev npaj Medigap, koj qhov chaw nyob, pes tsawg tus neeg rau npe hauv txoj kev npaj, thiab ntau dua. Tab sis Medigap cov phiaj xwm kuj tseem pab them qee tus nqi ntawm tus thawj Medicare.

7. Qhov Medicare rho tawm tau yog dab tsi?

Medicare qhov yus them yus yog cov nyiaj uas koj siv hauv hnab tshos txhua xyoo (lossis sijhawm) rau koj cov kev pabcuam ua ntej Medicare pib them rau. Medicare feem A, B, C, thiab D txhua tus tau txiav tawm.

8. Medicare txoj kev pov hwm yog dab tsi?

Daim ntawv faj seeb Medicare yog tus nqi them txhua hli uas koj them mus nkag rau hauv Medicare txoj kev pab them nqi. Ntu A, Ntu B, Ntu C, Ntu D, thiab Medigap them tus nqi txhua hli.

9. Medicare ib qho nqi them yog li cas?

Medicare qhov them nyiaj, lossis them nyiaj ntxiv, yog tus nqi koj yuav tsum them tawm hauv hnab tshos txhua lub sijhawm koj tau txais kev pabcuam lossis rov nqa daim ntawv yuav tshuaj.

Medicare Advantage (Tshooj C) them nqi sib txawv rau tus kws kho mob thiab kws kho mob mus ntsib. Qee qhov phiaj xwm tsub cov nqi them rau cov kws zov me nyuam tsis nyob rau sab nraud.

Cov phiaj xwm tshuaj Medicare yuav tau them tus nqi sib txawv rau cov tshuaj raws cov qauv npaj tshuaj thiab qib theem ntawm cov tshuaj koj siv. Piv txwv li, tier 1 tshuaj yog feem ntau cov nqi thiab tsis tshua kim.

Koj cov nqi them tshwj xeeb yog nyob ntawm Qhov Advantage lossis Tshooj D txoj kev npaj koj xaiv.

10. Kev them nuj nqis Medicare yog dab tsi?

Medicare coinsurance yog qhov feem pua ​​uas koj them tawm hauv hnab tshos rau tus nqi ntawm koj cov kev pabcuam Medicare-pom zoo.

Medicare Tshooj A tsub tus nqi them siab dua qub yog koj nyob ntev tshaj hauv tsev kho mob. Xyoo 2021, Phaj A Kev them nyiaj yog $ 371 rau tsev khomob hnub 60 txog 90 thiab $ 742 rau hnub 91 thiab siab dua.

Medicare Tshooj B tsub nqi tsim nyog 20 feem pua.

Medicare Part D txoj kev npaj them nqi sib pab them nyiaj zoo ib yam li cov nqi them, feem ntau yog them nyiaj ntau dua, cov tshuaj lag luam muaj npe - thiab tsuas yog yuav tsub nqi rau koj them lossis ib qho nqi them lossis tab sis tsis yog ob qho tib si.

11. Qhov Medicare them nyiaj ntau tshaj ntawm hnab tshos yog dab tsi?

Qhov Medicare yuav them nyiaj ntau tshaj plaws yog qhov txwv tsis pub tshaj koj yuav them tawm hauv koj hnab ris rau tag nrho koj cov nuj nqis Medicare nyob hauv ib xyoos. Nws tsis muaj qhov txwv rau qhov kev rho nyiaj tawm ntawm hnab tshos hauv Medicare thawj.

Txhua qhov Medicare Advantage cov kev pab them nqi muaj cov nyiaj xyoo siab tshaj nyob hauv hnab tshos, uas txawv nyob ntawm cov phiaj xwm uas koj muaj npe tau txais.

12. Kuv puas siv tau Medicare thaum kuv tsis nyob sab nraud kuv lub xeev?

Thawj qhov kev pabcuam Medicare muaj kev fajseeb khomob thoob tebchaws rau txhua tus neeg txais kev pabcuam. Qhov no txhais tau tias koj yuav tau txais kev kho mob tawm sab nrauv xeev.

Medicare Advantage cov phiaj xwm, txuas ntxiv, muab kev tiv thaiv tsuas yog them rau cov xeev uas koj nyob hauv, txawm hais tias qee tus kuj tseem yuav muab cov kev pab cuam sab nrauv hauv lwm lub xeev.

Txawm hais tias koj muaj Medicare lossis Medicare Advantage qub, koj yuav tsum nco ntsoov ntseeg tias tus kws kho mob koj mus ntsib lees txais txoj haujlwm Medicare.

13. Thaum twg kuv tuaj yeem pauv Medicare cov phiaj xwm?

Yog tias koj muaj npe nyob rau hauv Medicare txoj kev pab them nqi thiab xav hloov pauv koj qhov phiaj xwm, koj tuaj yeem ua thaum lub sijhawm qhib nkag rau npe nkag, uas pib los ntawm Lub Kaum Hlis 15 txog Kaum Ob Hlis 7 txhua xyoo.

14. Kuv yuav ua licas yog kuv poob kuv daim npav Medicare?

Yog tias koj poob koj daim npav Medicare, koj tuaj yeem xaj kom hloov los ntawm Xaus Saus lub vev xaib. Cias nkag mus rau hauv koj tus lej nyiaj thiab thov hloov chaw nyob rau hauv "Cov Ntawv Hloov Cov Ntaub Ntawv". Koj tuaj yeem thov daim npav hloov tshiab los ntawm hu 800-MEDICARE.

Nws tuaj yeem siv sijhawm thaj tsam 30 hnub tau txais koj daim npav Medicare hloov pauv. Yog tias koj xav tau koj daim npav rau kev teem sijhawm ua ntej ntawd, koj tuaj yeem luam daim ntawv theej ntawm nws los ntawm kev nkag mus rau hauv koj tus account myMedicare.

Cov nqa mus

To taub Medicare tej zaum yuav mloog me ntsis, tab sis muaj ntau yam kev pab ntawm koj pov tseg. Yog tias koj xav tau kev pab ntxiv sau npe rau Medicare lossis tseem muaj lus nug tsis tau teb, ntawm no yog qee cov kev pab ntxiv tuaj yeem pab:

• Medicare.gov muaj ntaub ntawv qhia txog cov chaw muab kev pab hauv zej zos, cov foos tseem ceeb, cov phau ntawv tuaj yeem rub tawm, thiab lwm yam.
• CMS.gov muaj cov ntaub ntawv hais txog txoj kev hloov txoj cai lij choj raug cai thiab hloov tshiab rau Medicare qhov kev pab cuam.
• SSA.gov tso cai rau koj mus siv koj tus lej Medicare thiab ntau dua Nyiaj Xaus Saus thiab Medicare kev pab cuam.

Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 19, 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.