Medicare Yog Dab Tsi? Txhua Yam Koj Yuav Tsum Tau Paub Txog Medicare Cov Ntsiab Lus

Zoo Siab

• Medicare yog dab tsi?
• Medicare Tshooj A
• Medicare Tshooj B
• Medicare Tshooj C
• Medicare Tshooj D
• Medigap
• Medicare them dab tsi?
• Ntu A Kev pab them nqi
• Cov tshooj B tiv thaiv
• Qhov C them
• Ntu D Pab them
• Kev pab them nqi Medigap
• Kev tsim nyog tau txais Medicare
• Kev rau npe rau hauv Medicare
• Tus nqi yog dab tsi?
• Nqe A nqi
• Tshooj B nqi
• Feem C nqi
• Nqe D nqi
• Medigap nqi
• Qhov txawv ntawm Medicare thiab Medicaid yog dab tsi?
• Cov nqa mus

• Medicare yog ib qho kev pov hwm them nqi kho mob muaj rau cov neeg muaj hnub nyoog 65 thiab laus dua thiab cov uas muaj qee yam mob lossis xiam oob qhab.
• Tseem cia nrogMedicare (ntu A thiab B) them rau feem ntau ntawm koj lub tsev kho mob thiab kev xav tau kev kho mob.
• Lwm qhov ntawmMedicare (Ntu C, Ntu D, thiab Medigap) yog cov phiaj xwm pov hwm ntiag tug uas muab cov kev pab ntxiv thiab cov kev pab cuam ntxiv.
• Medicare cov nuj nqis txhua hli thiab txhua xyoo suav nrog cov nqi them, rho tawm, cov nqi them them, thiab nyiaj them poob haujlwm.

Medicare yog tsoomfwv cov nyiaj pab kev fajseeb khomob uas muaj rau cov neeg Amelikas uas muaj hnub nyoog 65 xyoos thiab laus dua thiab cov uas muaj qee yam mob thiab xiamoobqhab. Muaj ntau txoj kev xaiv sib txawv rau kev pab them cov Medicare, yog li nws tseem ceeb kom nkag siab tias hom kev pab them nqi twg tuaj yeem muab rau koj.

Hauv tsab xov xwm no, peb yuav tshawb txhua yam uas yuav tsum paub txog Medicare cov hauv paus, los ntawm kev pov hwm, rau nqi, mus rau npe nkag, thiab lwm yam.

Medicare yog dab tsi?

Medicare yog ib txoj kev pab cuam nyiaj txiag los ntawm tsoomfwv uas pab pov hwm kev noj qab haus huv rau cov neeg Asmeskas uas muaj hnub nyoog 65 thiab laus dua. Qee tus neeg uas hnub nyoog qis dua 65 xyoos thiab muaj mob muaj mob lossis neeg xiam oob qhab kuj tseem muaj feem tau txais kev fajseeb khomob Medicare.

Medicare muaj ntau ntu “feem” uas koj tuaj yeem tso npe nkag rau ntau hom kev pov hwm kev noj qab haus huv.

Medicare Tshooj A

Medicare Tshooj A, uas tseem hu ua kev tuav pov hwm hauv tsev kho mob, duav tau cov kev pab koj tau txais thaum koj mus pw hauv tsev kho mob lossis lwm qhov chaw kho mob. Muaj qhov yus them yus mus ntsib tau thiab yog them tus nqi them. Koj kuj yuav tsum tau them tus nqi them rau Tshooj A, raws li koj qib nyiaj tau.

Medicare Tshooj B

Medicare Tshooj B, kuj tseem hu ua kev tuav pov hwm kho mob, duav txog kev tiv thaiv sab nraud, kuaj mob, thiab kev kho mob ntsig txog koj kev mob. Muaj tus nqi txiav tawm txhua xyoo thiab tus nqi them txhua hli kom npog, nrog rau qee tus nqi paib them.

Ua ke, Medicare feem A thiab B yog hu ua "thawj Medicare."

Medicare Tshooj C

Medicare Tshooj C, kuj tseem hu ua Medicare Advantage, yog ib qhov kev pov hwm kev pov hwm ntiag tug uas them rau ob qho kev pab Medicare Tshooj A thiab Tshooj B. Feem ntau ntawm Medicare Advantage cov phiaj xwm tseem muab kev pab ntxiv rau cov tshuaj kho mob, kho qhov muag, kho hniav, hnov ​​lus, thiab lwm yam. Koj tuaj yeem them cov nqi them txhua hli thiab them nrog cov phiaj xwm no, txawm tias txhua tus nqi sib txawv.

Medicare Tshooj D

Medicare Tshooj D, los yog tseem hu ua kev pab them tshuaj, tuaj yeem raug ntxiv rau Medicare qub thiab pab them qee tus nqi tshuaj noj. Koj yuav tau them ua ib feem muab rho tawm thiab tus nqi them rau txoj kev npaj kho mob no.

Medigap

Medigap, tseem hu ua Medicare cov nyiaj pab kas phais ntxiv, tuaj yeem muab ntxiv rau Medicare qub thiab pab them qee cov nqi sab nrauv ntawm Medicare. Koj yuav tau them tus nqi sib txawv txhawm rau hom phiaj xwm no.

Medicare them dab tsi?

Koj qhov kev pab them kev kho mob Medicare yuav yog nyob ntawm ntu twg ntawm Medicare uas koj rau npe rau.

Ntu A Kev pab them nqi

Medicare Tshooj A npog rau feem ntau cov kev pabcuam hauv tsev kho mob, suav nrog:

• mus pw hauv tsev kho mob
• pw kho tsev kho mob
• pw kho mob hlwb
• tsuas muaj kev tu cov neeg laus hauv tsev laus tsawg
• txwv kev tu mob hauv tsev
• tsev kho mob

Medicare Tshooj A tsis them rau cov kev khomob tim tsev kho mob, xws li mus ntsib chav khomob kub ntxhov uas tsis ua rau pw sab. Hloov chaw, kev pab kho mob hauv tuam tsev kho mob raug pab them raws Medicare Tshooj B.

Ntu A tsis them feem ntau cov chav pw hauv tsev kho mob, ntiag tug thiab saib xyuas, lossis kev saib xyuas ntev.

Cov tshooj B tiv thaiv

Medicare Tshooj B yuav them rau cov kev pab tiv thaiv, kuaj mob thiab pab kho mob, suav nrog:

• cov kev pab tiv thaiv
• tsheb thauj neeg mob ceev ceev
• Cov kev pabcuam kuaj mob, zoo li kuaj ntshav lossis xoo duab hluav taws xob
• kev kho thiab tshuaj kho mob los ntawm tus kws tshaj lij
• ruaj cov khoom siv kho mob
• cov chaw kho mob tshawb nrhiav
• Pab kho cov mob hlwb sab nrauv

Medicare Tshooj B pab them cov kev pab tiv thaiv, los ntawm kev kuaj mob mus rau kev kuaj mob hlwb. Nws tseem hais txog qee yam tshuaj tiv thaiv, suav nrog cov txhaj tshuaj tiv thaiv khaub thuas, kab mob siab B, thiab mob ntsws.

Tshooj B tsis duav txog feem ntau cov tshuaj noj thiab tsuas yog muaj kev pab duav tshuaj tsawg heev.

Qhov C them

Medicare Tshooj C yuav them rau txhua yam raws li Medicare Part A thiab Tshooj B. Feem ntau ntawm Medicare Part C cov phiaj xwm kuj duav tau:

• tshuaj noj
• kev pab kho kaus hniav
• kev pab cuam kho qhov muag
• hnov lus
• cov kev pabcuam tawm dag zog thiab kev ua si qoj
• kev noj qab haus huv ntxiv perks

Tsis yog txhua txhua Medicare Advantage cov kev pab them nqi rau cov kev pabcuam saum toj no, yog li nws tseem ceeb kom sib piv koj cov kev xaiv kev pov hwm thaum mus yuav khoom rau qhov zoo tshaj plaws Medicare Advantage txoj kev npaj rau koj.

Ntu D Pab them

Medicare Tshooj D npog cov tshuaj noj. Txhua daim phiaj npaj yuav tshuaj noj Medicare muaj cov qauv tshuaj, lossis cov npe tshuaj pom zoo uas duav tau. Daim ntawv teev cov tshuaj noj yuav tsum muaj tsawg kawg ob qho tshuaj rau txhua cov tshuaj uas kheev muab tshuaj, nrog rau:

• tshuaj mob qog noj ntshav
• tshuaj thaiv kab mob
• tshuaj tiv thaiv kab mob
• tshuaj thaiv qhov ncauj
• HIV / AIDS tshuaj
• tshuaj tiv thaiv kab mob

Muaj qee yam tshuaj uas tsis nyob hauv Tshooj D, xws li cov tshuaj uas siv los kho erectile kawg los yog cov tshuaj yuav tom khw.

Txhua txoj kev npaj yuav tshuaj noj nws muaj nws cov cai, yog li nws tseem ceeb uas yuav tau xav txog qhov no thaum sib piv cov phiaj xwm.

Kev pab them nqi Medigap

Tam sim no muaj 10 qhov sib txawv ntawm Medigap cov phiaj xwm uas koj tuaj yeem yuav tau los ntawm cov tuam txhab kev tuav pov hwm ntiag tug. Cov kev pab them nqi kho mob Medigap pab them cov nqi ntawm qhov-hnab tshos cuam tshuam nrog koj Medicare cov kev pab, uas suav nrog:

• Ntu Ib qho uas rho tawm
• Ntu A Kev pab them nqi kho mob thiab tsev kho mob tus nqi
• Ntu Ib qho kev pab them nqi kho mob tus neeg mob hauv tsev kho mob lossis nqi them them tus nqi
• Tshooj B rho tawm thiab cov nqi them txhua hli
• Tshooj B npib nyiaj them los yog nqi them tus nqi them
• Tshooj B tsub dhau tsub
• ntshav ntxiv (thawj 3 nplooj)
• cov kws tshaj lij hauv tsev laus
• nqi kho mob thaum mus ncig sab nraum Tebchaws Meskas

Nws yog ib qho tseem ceeb kom koj paub tias Medigap cov phiaj xwm tsis muab kev pab them nqi kho mob Medicare ntxiv. Hloov chaw, lawv tsuas yog pab nrog them cov nqi nrog rau cov phiaj xwm Medicare uas koj rau npe koom rau xwb.

Kev tsim nyog tau txais Medicare

Cov neeg feem coob muaj feem los pib sau npe hauv Medicare thawj 3 lub hlis ua ntej lawv hnub yug 65 xyoos. Txawm li cas los xij, muaj qee kis nyob rau thaum koj yuav tsim nyog tau txais kev pab Medicare txhua lub hnub nyoog. Cov tsis suav nrog:

• Tej yam tsis taus. Yog tias koj tau txais cov txiaj ntsig kev tsis taus txhua hli los ntawm Social Security Administration lossis Railroad Retirement Board (RRB), koj tsim nyog tau txais Medicare tom qab 24 lub hlis.
• Amyotrophic lateral sclerosis (ALS). Yog tias koj muaj ALS thiab tau txais txiaj ntsig Xaus Saus lossis RRB, koj tsim nyog rau Medicare los ntawm thawj lub hlis.
• Mob rau raum ntu raum (ESRD). Yog koj muaj ESRD, koj tau cuv npe mus rau Medicare.

Thaum sau npe rau Medicare feem A thiab B, cov neeg Amelikas uas tsim nyog tuaj yeem sau npe rau Medicare Advantage txoj kev pab them nqi.

Kev rau npe rau hauv Medicare

Cov neeg uas muaj feem tau txais kev pab them nqi kho mob feem ntau yuav tsum sau npe thaum lub sijhawm cuv npe. Cov sij hawm thiab cov hnub tsis pub dhau rau cuv npe Medicare muaj xws li:

• Pib sau npe. Qhov no suav nrog 3 lub hlis ua ntej, lub hli ntawm, thiab 3 lub hlis tom qab koj hloov 65 xyoo.
• Kev tso npe dav dav. Nov yog txij Lub Ib Hlis Tim 1 txog Lub Peb Hlis 31 yog tias koj ncua koj lub sijhawm nkag pib. Txawm li cas los xij, cov nqi nkag lig yuav thov tau.
• Sau npe tshwj xeeb. Nov yog qhov kev xaiv rau qee lub hlis tshwj xeeb yog nyob ntawm koj qhov laj thawj ntawm kev tsim nyog.
• Medigap cuv npe. Qhov no suav nrog 6 lub hlis tom qab koj tig 65 xyoo.
• Medicare Part D rau npe nkag. Nov yog txij Lub Plaub Hlis Tim 1 txog Lub Rau Hli 30 yog tias koj ncua tsis tau lub sijhawm sau npe.
• Qhib kev rau npe nkag. Koj tuaj yeem pauv hloov koj qhov kev pab them nyiaj txij Lub Kaum Hli 15 txog Kaum Ob Hlis 7 txhua xyoo yog tias koj xav tso npe, tso tawm, lossis hloov Medicare txoj kev npaj khomob.

Koj yuav tau cia rau npe hauv Medicare seem A thiab B yog tias:

• koj muaj hnub nyoog 65 xyoos hauv 4 hlis thiab tau txais cov txiaj ntsig kev tsis taus
• koj tsis tau muaj hnub nyoog 65 xyoos tab sis tau txais cov txiaj ntsig kev tsis taus rau 24 lub hlis
• koj tseem tsis tau muaj hnub nyoog 65 xyoos tab sis tau raug tshuaj ALS lossis ESRD

Rau cov tib neeg uas tsis tau muaj npe nkag rau hauv Medicare, koj yuav tsum tso npe nkag los ntawm Xaus Saus lub vas sab. Yog tias koj tsis tso npe thaum lub sijhawm nkag, muaj kev rau txim rau qhov kev cuv npe tuaj lig.

Tus nqi yog dab tsi?

Koj cov nuj nqis Medicare yuav nce nyob ntawm hom kev pab them nqi dab tsi uas koj muaj.

Nqe A nqi

Medicare Tshooj A cov nqi xam nrog:

• Tshooj A hwm: Tsawg li $ 0 (feem-dawb Tshooj A) lossis siab txog $ 471 toj hlis, nyob ntawm seb koj lossis koj tus txij nkawm tau ua haujlwm ntev npaum li cas rau koj lub neej
• Ntu Ib feem yus them tawm: $ 1,484 toj ib ntu
• Qhov A npib txiaj: Xws li $ 0 rau tas nrho tus nqi ntawm cov kev pabcuam nyob ntawm lub sijhawm koj nyob twj ywm

Tshooj B nqi

Medicare Tshooj B cov nqi suav nrog:

• Tshooj B hwm: pib txij $ 148.50 tauj ib hlis lossis siab dua, nce raws koj cov nyiaj tau los
• Tshooj B rho tawm: $ 203 toj xyoo
• Tshooj B npib: 20 feem pua ​​ntawm cov nyiaj Medicare uas pom zoo rau them rau Tshooj B

Feem C nqi

Koj tseem yuav them tus nqi Medicare qub thaum koj sau npe rau Medicare Tshooj C. Medicare Advantage cov phiaj xwm kuj tseem yuav them cov nqi kho mob, uas tuaj yeem suav nrog:

• Tus nqi txhua hli
• txhua xyoo uas yus them yus tawm
• cov tshuaj uas rho tawm tau
• nqi them thiab tus nqi them ua ke

Cov phiaj xwm Medicare Advantage ntawm cov nqi them no nws txawv nyob ntawm qhov chaw koj nyob thiab qhov chaw muab kev pov hwm koj xaiv.

Nqe D nqi

Koj yuav tau them tus nqi sib txawv txhawm rau Medicare Part D txoj kev npaj them nqi kho mob, nrog them nyiaj ntxiv rau koj cov tshuaj noj. Cov nqi them no sib txawv raws cov qauv ntawv "qib" koj cov tshuaj yuav poob rau. Txhua txoj kev npaj khomob muaj cov nqi sib txawv thiab cov tshuaj nyob hauv lawv theem.

Medigap nqi

Koj yuav them tus nqi sib txawv rau Medigap txoj cai. Txawm li cas los xij, nco ntsoov tias Medigap cov phiaj xwm npaj siab los pab qee qhov ntawm thawj cov nqi Medicare.

Qee txoj kev los them koj cov nuj nqis Medicare txhua lub hlis suav nrog:

• Medicare lub vev xaib, muaj daim debit lossis credit card
• los ntawm xa ntawv, siv daim tshev, nyiaj them rau, lossis ntawv them nqi

Lwm txoj kev los them koj cov nuj nqis Medicare yog hu ua Medicare Easy Them. Medicare Yooj Yim Them Nyiaj yog qhov kev pab pub dawb uas tso cai rau koj them koj cov nuj nqis Medicare Tshooj A thiab Tshooj B txhua hli los ntawm kev rho nyiaj rho tawm.

Yog tias koj muaj npe tau txais kev pab hauv Medicare feem A thiab B, koj tuaj yeem paub ntau ntxiv txog yuav nkag rau Medicare Easy Them Nyiaj li cas nyem rau ntawm no.

Qhov txawv ntawm Medicare thiab Medicaid yog dab tsi?

Medicare yog tsoomfwv cov nyiaj pab kas phais pov hwm kev noj qab haus huv rau cov neeg Asmeskas hnub nyoog 65 thiab laus dua thiab cov neeg uas muaj qee yam kev mob lossis xiam oob qhab.

Medicaid yog tsoomfwv cov nyiaj pab kas phais pov hwm kev noj qab haus huv rau cov neeg Meskas uas tsim nyog tau nyiaj tsawg.

Tej zaum koj yuav tsim nyog rau ob qho kev pab them nqi kho mob Medicare thiab Medicaid. Yog qhov no tshwm sim, Medicare yuav yog koj qhov kev fajseeb khomob tseem ceeb thiab Medicaid yuav yog koj qhov kev fajseeb khomob thib ob los pab them nqi thiab lwm yam kev pabcuam uas Medicare tsis kam them.

Kev tsim nyog tau txais Medicaid yog txiav txim los ntawm txhua lub xeev thiab yog raws cov hauv qab no:

• cov nyiaj tau los txhua xyoo
• tsev neeg qhov loj me
• tsev neeg li cas
• cov xwm txheej kev tsis taus
• xam xaj meskas

Koj tuaj yeem pom yog tias koj tsim nyog rau kev pab them nqi kho mob Medicaid los ntawm kev tiv tauj lossis mus ntsib koj lub chaw pabcuam pej xeem hauv nroog kom tau cov ntaub ntawv ntxiv.

Cov nqa mus

Medicare yog ib txoj kev fajseeb pov hwm kev noj qab haus huv rau cov neeg Asmeskas uas muaj hnub nyoog 65 thiab laus dua lossis muaj qee yam tsis taus. Medicare Tshooj A pab them cov kev kho mob hauv tsev kho mob, hos Medicare Tshooj B pab them rau kev kho mob.

Medicare Tshooj D pab them cov nqe tshuaj, thiab Medigap txoj kev pab them cov nqi Medicare thiab tus nqi them rau kev tiv thaiv zoo. Medicare Advantage cov phiaj xwm muab tau yooj yim ntawm txhua cov kev pab them nqi hauv ib qho chaw.

Txhawm rau nrhiav thiab sau npe rau hauv phiaj xwm Medicare hauv koj thaj tsam, mus saib Medicare.gov thiab siv cov twj nrhiav cov phiaj xwm online.

Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 18, 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.