Medicare Advantage Plans: Leej Twg Muab Cov Ntawv Qhia rau lawv thiab Yuav Sau npe li cas

Zoo Siab

• Medicare Advantage (Medicare Tshooj C) yog dab tsi?
• Leej twg muag Medicare Advantage cov phiaj xwm?
• Medicare Advantage tus nqi ntau npaum li cas?
• Cov lus qhia rau xaiv Medicare Advantage txoj kev npaj
• Leej twg thiaj li tsim nyog rau Medicare Advantage Cov Tswv Yim?
• Hnub kawg rau kev teev npe kawm Medicare
• Cov nqa mus

Medicare Advantage yog lwm txoj kev xaiv Medicare uas tseem suav nrog kev pab them tshuaj, kho hniav, kho qhov muag, hnov ​​lus, thiab lwm yam mob.

Yog tias koj nyuam qhuav tso npe rau hauv Medicare, tej zaum koj yuav xav tias leej twg muag Medicare Advantage cov phiaj xwm hauv koj thaj chaw. Medicare Advantage muaj los ntawm cov tuam txhab muag kev pov hwm ntiag tug uas muaj ntawv cog lus nrog Medicare los pab them koj cov kev pab kho mob.

Hauv tsab xov xwm no, peb yuav rov xyuas qhov koj xav paub txog Medicare Advantage, yuav ua li cas nkag, thiab xav kom dab tsi los ntawm cov tuam txhab uas muab cov phiaj xwm no.

Medicare Advantage (Medicare Tshooj C) yog dab tsi?

Medicare Advantage, tseem hu ua Medicare Tshooj C, yog Medicare kev pab them nqi uas cov tuam txhab muag pov hwm ntiag tug muag. Ntxiv rau kev pab them rau Medicare Tshooj A thiab Tshooj B, feem ntau Medicare Advantage cov phiaj xwm kuj tseem them rau cov tshuaj kho mob, nrog rau kev kho hniav, kho qhov muag, thiab hnov ​​lus.

Qee qhov kev pab Medicare Tshooj C tseem hais txog kev kho mob ib yam li cov tswvcuab kev tawm dag zog thiab qee yam kev pabcuam kev noj qab haus huv hauv tsev.

Cov phiaj xwm Medicare Advantage feem ntau them rau cov kev pab hauv qab no:

• mus pw hauv tsev kho mob
• Pab kho mob sab nrauv
• tshuaj noj
• kho hniav, kho qhov muag, thiab hnov ​​lus
• kev noj qab haus huv ntxiv perks

Medicare Advantage cov kev pab them nqi tuaj yeem yog qhov kev xaiv zoo rau cov neeg uas xav tau cov kev pab them nyiaj ntxiv dhau Medicare seem A thiab B thiab muab tag nrho raws li ib qho phiaj xwm.Medicare Tshooj C kuj tseem yog qhov kev xaiv nrov rau cov neeg uas xav xaiv los ntawm cov qauv phiaj xwm sib txawv, xws li HMOs, PPOs, thiab ntau dua.

Thaum kawg, tau tawm tswv yim tias Medicare Advantage tuaj yeem txuag koj cov nyiaj piv rau Medicare qub thaum nws hais txog cov nqi kho mob.

Leej twg muag Medicare Advantage cov phiaj xwm?

Medicare Advantage cov kev pab them nqi yog muag los ntawm cov tuam txhab tuav pov hwm ntiag tug feem ntau, suav nrog:

• Aetna Medicare
• Xiav Hla Tiv Thaiv Xia
• Cigna
• Neej Neeg Dab
• Kaiser Permanente
• XaivHealth
• UnitedHealthcare

Medicare Part C muab sib txawv ntawm xeev thiab xeev, thiab txhua lub tuam txhab pov hwm muaj txoj cai los txiav txim tias lawv yuav muag Medicare Advantage cov kev pab them nqi ib xyoo dhau ib xyoo.

Piv txwv, qee cov tuam txhab yuav muab cov phiaj xwm hauv ob peb qho kev xaiv tab sis tsis nyob hauv lwm qhov. Qhov no txhais tau hais tias txawm tias koj tus phooj ywg tau sau npe rau Medicare Advantage txoj kev npaj nyob hauv lawv thaj chaw, cov phiaj xwm ntawd yuav tsis muab rau koj nyob qhov twg.

Yog tias koj twb tau txais kev pabcuam los ntawm cov chaw muag kev fajseeb tseem ceeb dhau los ntawm koj tus tswv ntiav haujlwm, koj tuaj yeem ncav tes thiab nug seb lawv puas muag Medicare Advantage cov phiaj xwm.

Lwm txoj kev los tshuaj xyuas tag nrho koj cov phiaj xwm kev npaj khomob yog siv lub cuab yeej nrhiav cov phiaj xwm muab los ntawm Medicare. Cov cuab yeej no tso cai rau koj tshawb thiab piv cov phiaj xwm Medicare Advantage nyob hauv koj lub nroog, xeev, lossis ZIP code.

Medicare Advantage tus nqi ntau npaum li cas?

Medicare Advantage cov kev npaj muaj ob qho nqi Medicare qub, nrog rau cov nqi phiaj xwm tshwj xeeb. Tsis muaj ib tus nqi them rau qhov ua npe nkag rau Medicare Advantage txoj kev npaj vim tias muaj ntau ntau yam uas tuaj yeem cuam tshuam dab tsi koj yuav them.

Tag nrho cov nqi no yeej cuam tshuam los ntawm lub xeev koj nyob, nqi tsev, koj cov nyiaj tau los, qhov twg koj mus rau kev pab kho mob, koj xav tau kev pab ntau npaum li cas, thiab seb koj tau txais kev pab nyiaj dab tsi.

Ntawm no yog qhov kawg ntawm dab tsi uas koj tuaj yeem xav kom them nyiaj rau 2021 thaum koj sau npe rau Medicare Advantage txoj kev npaj:

• Cov Nyiaj Hwm. Yog tias koj tsis tsim nyog rau Phaj A dawb, koj Tshooj A yuav them txog $ 471 tauj ib hlis. Tus nqi B Theem B tus nqi yog $ 148.50 tauj ib hlis lossis ntau dua, nyob ntawm koj cov nyiaj tau los. Qee qhov phiaj xwm Medicare Advantage yuav pab them rau cov nqi them txhua hli. Ib qho ntxiv, thaum qee qhov Medicare Advantage cov phiaj xwm yog dawb-them, qee tus kuj yuav tsub nqi sib txawv txhua hli rau cov phiaj xwm.
• Tej lus ntuas. Ntu A muaj qhov rho tawm ntawm $ 1,484 toj ib ntus. Ntu B muaj feem rho tawm tau $ 203 toj ib xyoo. Yog tias koj qhov Medicare Advantage txoj kev pab them nqi tshuaj rau, koj kuj tseem tshuav nuj nqi ua tshuaj yuav txiav tawm tau ib yam nkaus.
• Cov Nqi Them. Txhua qhov Medicare Advantage txoj kev pab yuav muaj cov nqi them rau kev mus ntsib kws kho mob thiab kws kho mob tshwj xeeb. Cov nqi no yuav txawv nyob ntawm koj cov qauv phiaj xwm thiab seb koj puas tau txais kev pabcuam los ntawm cov koom nrog sab hauv lossis sab nrauv.
• Tuam Kho Mob. Ntu A Kev them nyiaj pabcuam tuaj yeem them tus nqi qis li $ 0 lossis ntau dua $ 742 nyob rau ib hnub, nyob ntawm koj lub tsev khomob tau ntev npaum li cas. Seem B yog 20 feem pua ​​ntawm tag nrho cov kev pab them nqi kho mob Medicare-pom zoo tom qab tau them tas.

Cov lus qhia rau xaiv Medicare Advantage txoj kev npaj

Thaum saib rau txoj kev pab Medicare Advantage zoo tshaj plaws rau koj cov kev xav tau, xav txog cov hauv qab no:

• hom kev pab them nqi koj xav tau, uas tuaj yeem cuam tshuam hom phiaj xwm koj xaiv thiab hom phiaj kev npaj saib dab tsi
• qhov koj xav tau ntau npaum li cas ntawm cov muab kev pab uas koj xav tau, uas tuaj yeem pab koj paub dab tsi ntawm Advantage phiaj xwm qauv kom nkag rau hauv
• cov nqi nruab nrab txhua hli thiab txhua xyoo ntawm cov hnab tshos koj tuaj yeem kho, uas suav cov nqi them, cov nqi txiav tawm, nqi them, cov nyiaj them nqi, cov nqi them tshuaj, thiab cov txiaj ntsig tshaj plaws
• koj yuav tsum tau saib xyuas ntau npaum li cas thiab hom kev saib xyuas twg xav tau, uas tuaj yeem pab koj rau npe rau hauv phiaj xwm uas ua tau raws li koj cov kev xav tau nyiaj txiag thiab kev kho mob

Tom qab koj tau txiav txim siab txog txhua yam uas cuam tshuam rau koj qhov xwm txheej ntawm koj tus kheej, koj siv tau qhov nrhiav cov phiaj xwm Medicare los pab nrhiav cov phiaj xwm Medicare Advantage uas yuav pab tau koj zoo tshaj plaws.

Leej twg thiaj li tsim nyog rau Medicare Advantage Cov Tswv Yim?

Txhua tus neeg uas muaj npe nyob rau hauv Medicare Tshooj A thiab Tshooj B yog tsim nyog sau npe rau Medicare Advantage.

Xyoo 2021, cov neeg muaj mob raum mob raum ntu kawg (ESRD) muaj peev xwm rau npe tau txais ntau qhov kev pab los ntawm Medicare Advantage vim txoj cai tau tshaj tawm los ntawm Congress. Ua ntej txoj cai no, cov phiaj xwm feem ntau yuav tsis kam txais koj lossis txwv koj rau Mob Hlwb Hlwb Mob SNP (C-SNP) yog tias koj muaj kev kuaj mob ntawm ESRD.

Hnub kawg rau kev teev npe kawm Medicare

Thaum koj npaj txhij yuav rau npe koom rau hauv Medicare Advantage txoj kev npaj, koj yuav tsum ua tib zoo mloog rau cov hnub kawg:

Cov nqa mus

Feem ntau cov tuam txhab muag pov hwm tseem ceeb nyob hauv Asmeskas muag cov phiaj xwm Medicare Advantage. Medicare Part C cov phiaj xwm phiaj xwm tsis muaj qauv raws qauv thiab txawv ntawm xeev rau xeev thiab ntawm tuam txhab.

Thaum koj sau npe rau Medicare Advantage, koj tuaj yeem cia siab them tag nrho cov nqi Medicare thawj yam ntxiv nrog rau Medicare cov nqi them rau cov phiaj xwm pabcuam.

Ua ntej koj rau npe rau Medicare Tshooj C, nco ntsoov xyuas koj tus kheej qhov xwm txheej kom xaiv cov kev xaiv zoo tshaj plaws rau koj cov kev xav tau nyiaj txiag thiab kev kho mob mus ntev.

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.