Medicare Puas Pab Them Tus Poj Niam?

Zoo Siab

• Txoj cai hais txog kev pab them nqi kho mob Medicare thiab tus txij nkawm yog dab tsi?
• Yuav ua li cas yog tias kuv tus txij nkawm hnub nyoog laus dua kuv, thiab lawv ua tau raws li 40 feem plaub uas xav tau?
• Yuav ua li cas yog tias kuv tus txij nkawm hnub nyoog laus dua kuv, thiab kuv ua tau raws li 40 feem pua ​​uas xav tau?
• Puas muaj lwm yam kev txij nkawm kev cai lossis kev pab?
• Dab tsi ntawm Medicare kuv tuaj yeem muab faib nrog kuv tus txij nkawm?
• Cov ntsiab lus ntawm Medicare yog dab tsi?
• Muaj pes tsawg xyoo uas tsim nyog tau txais rau Medicare?
• Cov hnub tsis pub dhau Medicare tseem ceeb
• Cov nqa mus

Medicare yog ib qhov kev tuav pov hwm tus neeg, tab sis muaj qee lub sij hawm thaum ib tus txij nkawm qhov tsim nyog tau txais yuav pab lwm tus tau txais qee yam kev pab.

Ntxiv ntawd, cov nyiaj uas koj thiab koj tus txij nkawm tau ua ua ke tej zaum yuav cuam tshuam koj cov nuj nqis Medicare Tshooj B kev pov hwm.

Kav tsij nyeem ntxiv kom paub seb koj lossis koj tus txij nkawm tej zaum yuav muaj feem tau txais Medicare raws li keeb kwm ua haujlwm thiab hnub nyoog li cas.

Txoj cai hais txog kev pab them nqi kho mob Medicare thiab tus txij nkawm yog dab tsi?

Medicare yog txiaj ntsig rau cov tib neeg uas tau ua haujlwm thiab them se Xaus Saus rau tsawg kawg 40 feem pua ​​ntawm kev ua haujlwm, uas yog kwv yees li 10 xyoo.

Yog tias tus neeg tus txij nkawm tsis ua haujlwm, tej zaum lawv tseem yuav tsim nyog rau Medicare Tshooj A raws lawv tus txij nkawm qhov keeb kwm ua haujlwm thaum lawv muaj 65 xyoos.

Yuav kom tsim nyog rau Medicare Part A cov kev pab ntawm lub hnub nyoog 65 xyoos raws li koj tus txij nkawm daim ntawv teev keeb kwm ua haujlwm, koj yuav tsum muaj raws li ib qho hauv qab no:

• Koj tau sib yuav nrog koj tus txij nkawm uas tsim nyog rau cov txiaj ntsim Xaus Saus tsawg kawg yog 1 xyoos ua ntej thov rau cov txiaj ntsig Xaus Saus.
• Koj tau sib nrauj lawm, tab sis tau sib yuav nrog tus txij nkawm tsawg kawg yog 10 xyoo uas tsim nyog txais txiaj ntsig Xaus Saus. Tam sim no koj yuav tsum yog ib leeg thov kev pab Medicare.
• Koj yog tus poj ntsuam, tab sis tau sib yuav tau tsawg kawg 9 lub hlis ua ntej koj tus txij nkawm tas sim neej, thiab lawv tsim nyog rau cov txiaj ntsim kev pab Xaus Saus. Koj yuav tsum yog ib leeg.

Yog koj tsis paub tias koj ua tau raws li qhov yuav tsum tau ua, koj tuaj yeem tiv toj rau Social Security Administration hu rau 800-772-1213. Koj tuaj yeem mus saib Medicare.gov thiab siv lawv lub laij lej kev tsim nyog tau txais.

Yuav ua li cas yog tias kuv tus txij nkawm hnub nyoog laus dua kuv, thiab lawv ua tau raws li 40 feem plaub uas xav tau?

Yog tias koj tus txij nkawm hnub nyoog laus dua koj, lawv yuav tsim nyog rau Medicare cov txiaj ntsig thaum muaj hnub nyoog 65 xyoos.

Tej zaum koj yuav tau txais cov txiaj ntsig Medicare uantej yog tias koj muaj hnub nyoog 62 xyoos, sib yuav nrog ib tus neeg muaj hnub nyoog 65 xyoos, thiab tseem ua haujlwm rau 40 txwm plaub thiab koj tau them Medicare se.

Yog tias koj tsis tau ua raws li cov kev cai no, koj yuav tsim nyog rau tsim nyog rau Medicare Tshooj A, tab sis koj yuav tsum tau them Tshooj A hwm kom txog thaum koj muaj hnub nyoog 62 xyoos.

Yog tias koj tsis tau ua haujlwm lossis ua raws li 40 txwm plaub thov, koj yuav tau tos txog hnub nyoog 65 xyoos kom tau txais kev fajseeb khomob hauv koj tus txij nkawm cov txiaj ntsig.

Yuav ua li cas yog tias kuv tus txij nkawm hnub nyoog laus dua kuv, thiab kuv ua tau raws li 40 feem pua ​​uas xav tau?

Tam sim no cia saib thaum koj tus txij nkawm laus dua koj thiab koj tus txij nkawm tsis tau ua tiav 40 ncua kev cai, tab sis koj ua tau.

Thaum koj muaj hnub nyoog 62 xyoos thiab koj tus txij nkawm muaj hnub nyoog 65 xyoos, koj tus txij nkawm feem ntau yuav tau txais cov txiaj ntsig Medicare dawb los them.

Mus txog thaum koj muaj hnub nyoog 62 xyoos, koj tus txij nkawm tuaj yeem tau txais Medicare Tshooj A, tab sis yuav tsum them cov nqi tauj yog tias lawv tsis ua tiav 40 ncua sijhawm uas yuav tsum tau ua haujlwm.

Puas muaj lwm yam kev txij nkawm kev cai lossis kev pab?

Nws yog ib qho tseem ceeb kom paub tias yog koj tus txij nkawm poob rau nyiaj tuav pov hwm ntiag tug lossis neeg ua haujlwm thiab koj tseem tsis tau muaj 65 xyoos, tseem muaj cov kev fajseeb pab koj uas yuav pab tau koj.

Koj tuaj yeem tiv tauj koj Lub Xeev Qhov Nyiaj Pab Nyiaj Pov Hwm Kev Nyab Xeeb (SHIP) kom tau txais kev pab sab laj txog kev noj qab haus huv dawb.

Koj tuaj yeem tshawb pom seb koj cov nyiaj tau los lossis kev noj qab haus huv ua rau koj tau txais lwm cov kev pabcuam tsoomfwv qibsiab xws li Medicaid.

Dab tsi ntawm Medicare kuv tuaj yeem muab faib nrog kuv tus txij nkawm?

Tus txij nkawm cov txiaj ntsig siv tshwj xeeb rau Ntu A ntawm Medicare (khaws nyeem ntxiv rau txhua yam ntawm feem).

Koj tsis tuaj yeem xaj tau ob peb daim ntawv tuav pov hwm rau lwm feem ntawm Medicare. Koj yuav tsum them rau lwm tus ntawm koj cov cai.

Txawm li cas los xij, nws yog ib qho tseem ceeb uas yuav tau txiav txim siab tag nrho koj cov kev xaiv rau kev pab them kev kho mob Medicare thiab dab tsi yuav ua haujlwm zoo tshaj plaws rau koj cov kev xav tau. Ib qho ntawm cov kev xaiv yog Medicare Advantage (Tshooj C), uas sib dhos Ntu Ntu A thiab Ntu B ua ke thiab muab kev pab ntxiv thiab cov txiaj ntsig ntxiv.

Yog tias kev pab them nyiaj ntxiv, xws li kho hniav, kho qhov muag, lossis kho pob ntseg, yog qhov tseem ceeb rau kev tswj hwm koj tus kheej kev noj qab haus huv, muab qee qhov kev xav txog seb Medicare lossis Medicare Advantage tshiab yuav ua haujlwm zoo tshaj rau koj.

Cov ntsiab lus ntawm Medicare yog dab tsi?

Tsoomfwv nom tswv tsim qauv Medicare los kom zoo li cov npe “a la carte” uas koj tuaj yeem xaiv ntau hom kev pov hwm.

Cov hom kev pab suav nrog:

• Ntu ACov. Tshooj A muab kev pab them nqi rau kev pw hauv tsev kho mob thiab kev pab cuam sib thooj thaum nyob hauv tsev kho mob, xws li zaub mov noj, tshuaj noj thiab kho lub cev.
• Ntu B. Ntu B muab kev kho mob rau cov neeg mob sab nrauv rau kev mus ntsib kws kho mob thiab cov kev pab kho mob ntsig txog. Koj yuav tsum them tus nqi txhua hli rau qhov kev pabcuam no, thiab nws yog nyob ntawm seb koj thiab koj tus txij nkawm tau ntau npaum li cas nyob rau ib xyoo.
• Ntu C. Phaj C tseem tseem hu ua Medicare Advantage. Cov hom phiaj no muab cov kev pab cuam los ntawm Ntu A thiab Ntu B, tab sis lawv kuj yuav muaj cov cai thiab cov cai sib txawv txog cov kws muab kev pab kho mob thiab cov tsev kho mob uas koj tuaj yeem tau txais kev saib xyuas los ntawm. Cov txiaj ntsig no tseem tuaj yeem them rau cov kev pabcuam ntxiv, xws li kev pom kev thiab kho hniav.
• Ntu D. Seem D muab kev pab them tshuaj tshuaj nyob rau qhov sib txawv. Koj yuav cov kev cai no los ntawm tus pov hwm ntiag tug.
• Medigap. Medigap, tseem hu ua Medicare Cov Kev Npaj Pab Txhawb ntxiv, tuaj yeem them qee tus nqi them sib xws nrog Medicare thiab muaj los ntawm kev tuav pov hwm ntiag tug. Cov piv txwv suav nrog them cov nqi tuav pov hwm.

Koj tsuas muaj peev xwm tau txais cov txiaj ntsig txij nkawm rau Medicare Tshooj A. Lwm qhov chaw ntawm Medicare tsis tas yuav muaj keeb kwm ua haujlwm, thiab lawv muaj cov nqi them ntsig txog lawv qhov kev pov hwm.

Muaj pes tsawg xyoo uas tsim nyog tau txais rau Medicare?

Feem ntau, ib tus neeg muaj feem rau Medicare thaum lawv muaj 65 xyoo.

Muaj qee qhov tsis suav, suav nrog rau cov neeg muaj hnub nyoog qis dua 65 xyoo uas tus kws kho mob pom tau tias muaj mob xiam oob qhab, muaj kab mob raum ntu kawg (ESRD), lossis muaj amyotrophic lateral sclerosis (ALS).

Cov neeg uas muaj raws li qhov yuav tsum muaj feem tau txais Medicare Tshooj A ua ntej hnub nyoog 65 xyoos.

Raws li tau tham txog saud, koj kuj tuaj yeem tsim nyog rau Medicare Tshooj A ua ntej hnub nyoog 65, yog tias koj tus txij nkawm muaj 65 xyoos thiab tsim nyog.

Cov hnub tsis pub dhau Medicare tseem ceeb

• Nyob ib ncig ntawm koj lub hnub nyoog 65 xyoos. Koj txheej txheem muaj xya lub hlis los teev npe rau Medicare - 3 lub hlis ua ntej koj lub hlis yug thiab 3 lub hlis tom qab. Koj tuaj yeem mus ntsib Medicare lub laij lej kev tsim nyog tau txais kev pab rau cov hnub tshwj xeeb muab qhov twg koj hnub yug poob rau hauv daim ntawv qhia hnub.
• Lub Ib Hlis 1 txog Lub Peb Hlis 31. Cov uas tsis rau npe rau Medicare thaum lub qhov rooj ze lawv lub hnub yug 65 xyoos tuaj yeem sau npe tau rau lub sijhawm "General Enrollment Period." Tej zaum lawv yuav tsum tau them tus nqi ntxiv uas tau tsim rau lawv Tus Tshooj B hwm rau kev nkag rau tom qab.
• Lub Plaub Hlis 1 txog Lub Rau Hli 30. Lub sijhawm ntawm lub xyoo thaum koj tuaj yeem ntxiv qhov Medicare Advantage lossis Medicare Part D txoj kev npaj yog tias koj xaiv.
• Lub Kaum Hlis 15 txog Kaum Ob Hlis 7. Nov yog lub sij hawm qhib kev tso npe txhua xyoo rau Medicare Advantage thiab Medicare Tshooj D. Cov phiaj xwm tshiab yuav pib siv txij lub Ib Hlis 1.

Cov nqa mus

Cov kev txiav txim siab feem ntau rau Medicare thiab cov txij nkawm yog nyob ib puag ncig Medicare Tshooj A, uas yog feem kev pov hwm uas them rau mus ntsib tsev kho mob.

Lwm seem muaj nyob thaum ib tus neeg muaj hnub nyoog 65 xyoos thiab pom zoo them tus nqi pov hwm.

Yog tias koj muaj lus nug ntxiv txog Medicare cov kev pab, koj tuaj yeem hu rau Xaus Saus Pab Neeg Saib Xyuas Nyiaj Ruaj Ntseg (SSA) ntawm 800-772-1213 lossis mus ntsib koj lub chaw ua haujlwm hauv SSA hauv cheeb tsam yog xav paub ntxiv.

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.

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