Cov Kev Pab Them Medicare Yuav Them Dab Tsi

Zoo Siab

• 5 yam koj yuav tsis paub txog Medicare
• Medicare Tshooj A
• Medicare Tshooj A Them Nqi Yog Dab Tsi?
• Medicare Tshooj B
• Medicare Tshooj B yuav raug nqi li cas?
• Medicare Tshooj C
• Medicare Tshooj C yuav raug nqi li cas?
• Medicare Tshooj D
• Medicare Tshooj D yuav raug nqi dab tsi?
• Qhov Medicare tsis duav txog
• Cov nqa mus

Medicare muaj tsib txoj kev tseem ceeb uas muab cov txiaj ntsig kev kho mob rau cov neeg muaj hnub nyoog 65 thiab laus dua thiab cov neeg xiam oob qhab thiab qee cov mob:

• Medicare Tshooj A muab kev pab them cov nqi tsev kho mob yooj yim.
• Medicare tshooj B npog kev kho mob sab nrauv xws li kev mus ntsib kws kho mob thiab kuaj mob.
• Medicare Tshooj C (Medicare Advantage) yog ib txoj kev xaiv ntiag tug uas koom nrog Ntu A thiab Tshooj B thiab muaj cov txiaj ntsig ntxiv.
• Medicare Tshooj D yog kev duav nqi tshuaj.
• Cov ntawv kho mob Medicare ntxiv (Medigap) yog cov kev pov hwm ntiag tug uas pab them cov nqi hauv hnab tshos xws li feem yus them, cov nyiaj tau them, thiab txiav tawm.

Thaum hais txog kev noj qab haus huv, nws yog ib qho tseem ceeb kom paub tias dab tsi raug them thiab dab tsi tsis yog. Vim tias nws muaj ntau qhov kev npaj sib txawv rau Medicare, nws tuaj yeem nyuaj kom paub tias lub phiaj xwm twg yuav muab txoj kev pab them nqi rau koj. Zoo hmoo, muaj qee yam khoom siv uas tuaj yeem ua kom yooj yim rau koj.

Medicare yog phiaj xwm pov hwm los ntawm tsoomfwv qib siab rau cov neeg hnub nyoog 65 thiab tshaj saud, nrog rau cov neeg muaj mob xiam oob qhab thiab cov neeg muaj mob raum raum tsis ua haujlwm (ESRD), yog ib hom raum tsis ua haujlwm.

5 yam koj yuav tsis paub txog Medicare

Muaj plaub ntu rau Medicare txoj kev npaj khomob: A, B, C, thiab D. Txhua ntu yog qhia txog ntau yam sib txawv ntawm kev noj qab haus huv. Koj tuaj yeem tso npe rau hauv ib lossis ntau seem ntawm Medicare, tab sis feem ntau uas cov neeg nkag npe yog ntu A thiab B, uas yog hu ua Medicare qub. Cov seem no them feem ntau ntawm cov kev pabcuam. Cov neeg feem ntau yuav tsum tau them tus nqi txhua hli, tab sis qhov no nws txawv raws li cov nyiaj khwv tau los.

Medicare Tshooj A

Medicare Tshooj A pab them cov nqi pw tim tsev kho mob thaum koj mus pw hauv tsev kho mob nrog kws kho mob tau txiav txim. Nws muab cov txiaj ntsig rau cov kev pabcuam zoo li:

• cov taug kev thiab lub rooj muaj log
• tsev kho mob
• qee qhov kev pabcuam tu mob hauv tsev
• ntshav ntxiv

Ntu A tseem muaj kev tiv thaiv tsawg tsawg rau cov chaw tu neeg mob yog tias koj muaj tsev khomob tsim nyog - nyob peb hnub ua los ntawm kev tuaj yeem pw hauv tsev kho mob sau los ntawm koj tus kws kho mob.

Medicare Tshooj A Them Nqi Yog Dab Tsi?

Nyob ntawm koj cov nyiaj khwv tau los, koj yuav tsum them tus nqi them rau Tshooj A. Yog tias koj tau ua haujlwm thiab them nyiaj FICA se rau 10 xyoo, koj tsis them tus nqi them rau Ntu A. Txawm li cas los xij, koj yuav tsum them tus nqi them lossis them rau feem yus them ua ntej rau Medicare Tshooj A. Koj tuaj yeem thov kev pab lossis kev pabcuam yog tias koj tuaj yeem tuaj yeem tau t them.

Raws li Medicare, ntxiv rau ib qho $ 1,484 qhov yus them yus, koj 2021 Cov Tshooj A xam nrog:

• $ 0 pov hwm rau tsev kho mob hnub 1-60
• $ 371 nqi kho mob ib hnub nyob rau tsev kho mob hnub 61-90
• $ 742 txiaj ntsig nyob rau ib hnub rau tsev kho mob hnub 91 thiab dhau ntawd rau txhua lub hnub cia nyob ntev
• tag nrho cov nqi rau txhua hnub pw hauv tsev kho mob tshaj koj cov hnub so ua ke
• tsis them nqi thawj 20 hnub ntawm kev pom zoo zov cov neeg laus hauv tsev laus
• $ 185.50 tauj ib hnub rau 21–100 hnub ntawm kev saib xyuas neeg laus hauv tsev laus
• tag nrho cov nqi tom qab 101 hnub ntawm kev pom zoo zov cov neeg laus hauv tsev laus
• tsis tau them nqi rau kev saib xyuas lub tsev kho mob

Rau cov kev pabcuam hauv tsev khomob tau them los ntawm Medicare, koj yuav tsum pom zoo thiab tau txais kev saib xyuas hauv qhov chaw pom zoo Medicare.

Medicare Tshooj B

Medicare Tshooj B yuav them cov nqi kho mob rau koj tus kws kho mob thiab tiv thaiv kev noj qab haus huv, xws li kev mus ntsib kws kho mob txhua xyoo. Cov neeg feem ntau muaj ntu A thiab B ua ke kom tau txais kev pov hwm zoo tshaj. Piv txwv li, yog koj nyob hauv tsev kho mob, qhov them yuav nyob rau hauv Medicare Tshooj A thiab cov kev pab kho mob yuav them rau Ntu B.

Ntu B npog ntau yam ntawm cov kev xeem thiab kev pabcuam, suav nrog:

• kuaj mob qog noj ntshav, mob ntshav siab, thiab ntshav qab zib
• tsheb tos neeg mob thiab chav kho mob maj nrawm
• Kev txhaj tshuaj tiv thaiv khaub thuas thiab mob rau daim siab
• cov khoom kho mob
• mob ntshav qab zib cov khoom siv

Medicare Tshooj B yuav raug nqi li cas?

Qee tus nqi ntawm koj Tshooj B yog tus nqi them txhua hli ntawm $ 148.50; Txawm li cas los xij, koj cov nyiaj yuav tau tsawg dua lossis ntau dua lossis ntau dua nyob ntawm koj cov nyiaj tau los.

Qee cov kev pabcuam raug tiv thaiv nyob hauv Medicare Tshooj B tsis muaj nqi dab tsi rau koj yog tias koj pom tus kws khomob lees txais Medicare. Yog tias koj xav tau kev pab lwm qhov uas Medicare tau them, koj yuav tsum them rau cov kev pabcuam ntawd koj tus kheej.

Medicare Tshooj C

Medicare Tshooj C, kuj hu ua Medicare Advantage, yog muag cov kev pov hwm kev xaiv muag uas suav nrog cov kev pov hwm zoo ib yam ntawm ntu A thiab B ntxiv rau cov txiaj ntsig ntxiv xws li cov phiaj xwm tshuaj, kho hniav, hnov ​​lus, lub zeem muag, thiab lwm yam. Txhawm rau yuav qhov kev pab Medicare Advantage, koj yuav tsum muaj npe nyob hauv Medicare thawj.

Medicare Tshooj C yuav raug nqi li cas?

Koj feem ntau them tus nqi them rau cov phiaj xwm no, thiab koj yuav tsum mus ntsib cov kws kho mob hauv koj cov koom tes nrog. Tsis li, nqi them lossis lwmyam nqi yuav thov tau. Koj qhov Medicare Part C tus nqi yog nyob ntawm hom ntawv them nqi uas koj xaiv.

Medicare Tshooj D

Medicare Tshooj D yog txoj kev npaj khomob rau cov tshuaj uas tsis duav los ntawm Phaj B, uas feem ntau yog cov tshuaj uas yuav tsum tau tshuaj los ntawm tus kws kho mob, xws li kev nqus ntshav lossis txhaj tshuaj. Qhov kev npaj no yog xaiv tau, tab sis ntau tus neeg xaiv nws muaj yog li lawv cov tshuaj kho.

Medicare Tshooj D yuav raug nqi dab tsi?

Tus nqi rau Medicare Tshooj D txawv nyob ntawm ntau hom tshuaj uas koj siv, txoj kev npaj koj muaj, thiab lub tsev muag tshuaj twg koj xaiv. Koj yuav muaj tus nqi them tus nqi thiab, nyob ntawm koj cov nyiaj tau los, koj yuav tsum tau them nqi ntxiv. Koj kuj yuav tsum them nyiaj ntxiv lossis them qhov txiav tawm.

Qhov Medicare tsis duav txog

Thaum Medicare pab them rau ntau yam kev saib xyuas, tsis yog txhua yam yuav them. Cov kev kho hniav feem ntau, kuaj qhov muag, kho pob ntseg, kho pob ntseg, thiab kho qhov muag kom zoo nkauj tsis them rau los ntawm Medicare thawj.

Medicare tsis them rau cov kev pab tu mus sij hawm ntev. Yog koj xav tias koj lossis tus neeg koj hlub yuav xav tau kev saib xyuas mus ntev, xav txog lwm txoj kev cai pov hwm kev mob ncua ntev.

Cov nqa mus

• Medicare muaj li tsib yam tseem ceeb ntawm kev tiv thaiv, Ntu A, Ntu B, Ntu C, Ntu D, thiab Medigap. Cov kev xaiv no muaj ntau txoj hauv kev rau koj cov kev xav tau kev noj qab haus huv.
• Thaum Medicare pab them rau ntau yam kev kho mob xws li mus pw hauv tsev kho mob, mus ntsib kws kho mob, thiab cov tshuaj kws kho mob muaj, muaj cov kev kho mob uas nws tsis haum.
• Medicare tsis them rau kev tu xyuas mus ntev, cov txheej txheem ua kom zoo nkauj, thiab lwm tus. Koj tuaj yeem sab laj nrog Medicare cov cuab yeej pab them nqi lossis hu 800-MEDICARE txhawm rau txhawm rau saib seb puas muaj kev pabcuam tshwj xeeb.

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