Cov Phiaj Xwm Medicare Advantage Cov Phiaj Xwm Muaj Dab Tsi?

Zoo Siab

• Cov phiaj xwm hwm Medicare Advantage tus lej tiag yog pub dawb tiag?
• Cov phiaj xwm kev faj seeb Medicare Advantage xoom ua haujlwm li cas?
• Koj yuav ua li cas tsim nyog rau xoom cov phiaj xwm kev pab Medicare tau txais txiaj ntsig?
• Koj yuav teev npe li cas rau Medicare Advantage (Tshooj C)?
• Cov nqa mus

• Muaj ntau lub phiaj xwm Medicare Advantage muaj nyiaj $ 0 txhua hli.
• Txawm li cas los xij, xoom cov nqi them txhua hlitej zaum yuav tsis tau tag nrho “pub dawb.”
• Koj yuav tseem yuav tsum tau them qee yam ntxiv xws li feem yus them, them nqi, thiab them rau qhov them, nrog rau koj Tshooj B hwm.

Yog tias koj tab tom ncig yuav khoom hauv Medicare txoj kev pab them nqi kho mob, koj yuav pom cov kab lus "tus nqi them ib hlis" nrog rau qee cov phiaj xwm Medicare Advantage.

Medicare Advantage (Medicare Tshooj C) yog phiaj xwm kev kho mob uas muab los ntawm cov tuam txhab tuav pov hwm ntiag tug. Tab sis koj tuaj yeem tau txais txhua yam dawb?

Saib kom ze rau xoom hwm Medicare Advantage cov kev pab them nqi thiab seb qhov no yuav yog ib qho kev xaiv zoo rau koj cov kev xav tau kev kho mob.

Cov phiaj xwm hwm Medicare Advantage tus lej tiag yog pub dawb tiag?

Txawm hais tias Medicare Advantage cov kev pab them nqi tuaj yeem muaj $ 0 tus nqi them, nws tseem muaj lwm yam uas koj yuav tsum them los ntawm hnab tshos. Cov nqi no tuaj yeem suav nrog:

• Cov Nqi Yuav. Copay (copay) yog tus nqi uas koj them rau qhov kev pab tom qab koj tau them ua ntej koj them ua ntej. Cov no tej zaum yuav siab dua nrog cov phiaj xwm uas muaj tus nqi them txhua hli tsawg dua, thaum cov phiaj xwm nrog tus nqi them txhua hli ntau dua yuav muaj feem them tsawg dua.

• Tuam Kho Mob. Coinsurance yog tus nqi uas koj yuav tsum them rau cov kev pab uas kam them, txawm hais tias koj tau them koj cov nqi uas yuav tsum tau them lawm Piv txwv li, yog koj cov nyiaj tau them yog 20 feem pua, koj yuav them thawj 20 feem pua ​​ntawm cov nyiaj uas tau them, thiab koj txoj kev npaj khomob yuav suav cov uas seem.

• Txiav txim siab tau. Qhov yus them tawm tau yog tus nqi uas koj yuav tsum them ua ntej koj lub chaw fajseeb khomob pib them nws feem. Cov nyiaj them nqi txiav feem ntau siab dua nrog cov phiaj xwm uas muaj cov nqi qis dua, txhais tau tias koj yuav tau them tsawg dua txhua hli nyob hauv cov nqi them tab sis ntau tshaj cov hnab ris rau cov kev kho mob. Tom qab koj them koj cov nqi them tas nrho, koj txoj kev npaj khomob yuav them feem ntau rau cov nqi khomob, tabsis koj tseem yuav tau them feem yus nrog them lossis pab them tus nqi.

• Lwm qhov nqi them Medicare. Txawm hais tias muaj Medicare Advantage txoj kev pab them nqi li cas los xij, koj yuav tsum them tus nqi them rau txhua qhov chaw hauv Medicare (ntu A, B, thiab D) uas koj muaj. Cov neeg feem coob tsis them tus nqi rau Tshooj A, tab sis Tshooj B tsis muaj tus nqi txhua hli.

Cov phiaj xwm kho mob feem ntau muaj qhov nyiaj siab tshaj uas tus neeg yuav tsum tau them tawm hauv nws lub hnab ris. Thaum tau txais cov nyiaj ntawd lawm, txoj kev npaj khomob yuav kam them 100 feem pua ​​ntawm cov nqi khomob rau cov kev khomob rau xyoo ntawd.

Cov phiaj xwm kev faj seeb Medicare Advantage xoom ua haujlwm li cas?

Medicare Advantage cov phiaj xwm muab rau koj los ntawm lub tuam txhab tuav pov hwm ntiag tug. Cov kev npaj no yuav hloov kev tiv thaiv Medicare ib txwm: Phaj A yog kev fajseeb khomob hauv tsev khomob, Tshooj B yog kev fajseeb khomob, thiab Tshooj D, uas muaj kev fajseeb khomob.

Nyob ntawm txoj kev pab koj xaiv, Medicare Advantage txoj kev npaj yuav tseem them rau cov kev pab ntxiv xws li kev hnov ​​lus, kho qhov muag, kho hniav, thiab lwm cov kev pab noj qab haus huv uas Medicare ib txwm tsis muaj.

Ntawm no yog yuav ua li cas tus lej hwm qib tsim. Txhawm rau kom cov nqi qis, tsoomfwv yuav cog lus nrog cov tuam txhab kev pov hwm ntiag tug kom muab koj txoj kev npaj. Los ntawm cov ntawv cog lus no, tsoomfwv them tus nqi them ncaj qha rau lub tuam txhab kev pov hwm. Lub tuam txhab muag ntawv pov hwm ces tsim kev pom zoo nrog lub tsev kho mob lossis chaw khomob, uas ua rau koj cov nqi tsawg dua yog tias koj nyob hauv pawg.

Ntau qhov kev pab Medicare Advantage tau muab rau koj nrog $ 0 txhua hli hwm rau qee qhov laj thawj:

• Tus nqi qis dua vim tias Medicare pom zoo rau tus nqi nrog lub koom haum kho mob.
• Txoj kev pab them nqi kho mob Medicare Advantage muaj ntau yam kev pab tiv thaiv thiab kev nyab xeeb, uas ua rau cov neeg koom tes muaj kev nyob nyab xeeb. Tus neeg muaj kev noj qab haus huv ntau dua, tus nqi qis dua lawv cov nqi kho mob.
• Yog koj tsis siv tag nrho cov nqi tsev uas Medicare them rau lub tuam txhab muag kev pov hwm kev nyab xeeb, cov nyiaj ntawd tuaj yeem xa mus tau raws li kev khaws nyiaj rau koj, ua rau koj cov nuj nqis $ 0 nyob rau ib hlis.

Koj yuav ua li cas tsim nyog rau xoom cov phiaj xwm kev pab Medicare tau txais txiaj ntsig?

Koj tsim nyog rau ib qhov kev pab them nqi Medicare Advantage txoj kev pab them nqi yog tias koj ua tau raws qhov kev pab tsim nyog tau txais kev pab cuam Medicare feem ntau. Koj yuav tsum:

• muaj hnub nyoog 65 xyoos los yog tshaj saud
• tau rau npe rau Medicare ntu A thiab B
• nyob hauv thaj chaw ntawm kev pab them nqi rau yam kev npaj koj xaiv

Koj yuav teev npe li cas rau Medicare Advantage (Tshooj C)?

Txhawm rau sau npe rau Medicare Advantage txoj phiaj xwm, mus rau Medicare.gov lub vev xaib thiab siv cov cuab yeej nrhiav cov phiaj xwm. Phaj C txoj kev npaj pub sib txawv los ntawm xeev, tab sis cov cuab yeej no tso cai rau koj tshawb xyuas cov phiaj xwm muaj nyob hauv koj thaj chaw los ntawm kev nkag mus ntawm koj tus ZIP code.

Muaj qee lub sijhawm nkag rau cov phiaj xwm Medicare sib txawv:

• Lub sijhawm nkag thaum xub thawj. Koj pib sau npe rau Medicare ntu A thiab B 3 lub hlis ua ntej koj muaj 65 xyoos thiab txog 3 hlis tom qab koj 65 xyoos.
• Qhib kev rau npe nkag. Yog tias koj tab tom nrhiav hloov pauv rau koj qhov Medicare tshooj A lossis B tso npe tshiab, lossis hnub nyoog tshaj 65 xyoos tab sis tseem yuav tsum rau npe, qhib lub sijhawm qhib yog lub Kaum Hlis 15 txog Kaum Ob Hlis 7 txhua txhua xyoo.
• Medicare Advantage qhib kev rau npe nkag. Qhov no tshwm sim txhua xyoo los ntawm Lub Ib Hlis 1 txog Lub Peb Hlis 31 thiab tso cai rau koj hloov los ntawm Ib Ntu C phiaj xwm mus rau lwm qhov.

Yog tias koj pab tus koj hlub rau npe rau hauv Medicare, nco ntsoov:

• sau cov ntaub ntawv tseem ceeb, xws li daim npav Xaus Saus thiab lwm cov ntawv tuav pov hwm
• sib piv cov phiaj xwm online los ntawm Medicare.gov cov phiaj xwm nrhiav khoom lossis los ntawm cov tuam txhab kev pov hwm koj lub vev xaib

Cov nqa mus

Cov nyiaj tau los ntawm Medicare Advantage cov kev npaj yuav yog qhov kev xaiv zoo rau cov neeg uas tab tom nrhiav los txhaws lossis ntxiv rau lawv cov kev pab them nqi Medicare tam sim no. Nco ntsoov tshawb xyuas cov phiaj xwm kom zoo ua ntej xaiv ib qho kom paub tseeb tias nws npog txhua yam koj xav tau.

Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 13, 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.