Medicare yog tsim los pab cov neeg tsim nyog tau txais kev pab them nqi kho mob. Ib qho kev txiav txim siab tseem ceeb tshaj plaws uas yuav tsum tau ua thaum tso npe thawj zaug lossis hloov pauv koj qhov kev pab cuam thaum qhib rau npe yog seb puas yuav xaiv rau Medicare Advantage lossis Medicare ib txwm muaj. Koj qhov kev xaiv tuaj yeem txiav txim siab seb tus kws kho mob thiab tsev kho mob twg koj tuaj yeem mus ntsib thiab koj yuav them li cas rau kev pab them nqi kho mob. Kev nkag siab txog qhov sib txawv ntawm Medicare Advantage vs. Medicare tuaj yeem ua rau nws yooj yim dua los xaiv qhov uas haum rau koj. Kev txiav txim siab txog kev noj qab haus huv thaum so haujlwm yog qhov zoo tshaj plaws hauv kev sab laj nrog a tus kws pab tswv yim nyiaj txiag.
Cov hauv paus Medicare
Medicare yog tsoomfwv txoj kev pab them nqi kho mob rau cov neeg muaj hnub nyoog 65 xyoos lossis laus dua. Kev tsim nyog kuj tseem txuas ntxiv rau qee cov neeg hluas uas muaj kev tsis taus thiab cov neeg muaj mob raum raum (End-Stage Renal Disease) (ESRD).Yog tias koj muaj lwm yam kev pov hwm kev noj qab haus huv hauv qhov chaw, Medicare yuav koom tes nrog koj lub tuam txhab pov hwm kev noj qab haus huv uas twb muaj lawm los txiav txim seb leej twg them nyiaj dab tsi txhua lub sijhawm koj ua ntawv thov. thov kev pab.
Medicare yuav tsum tsis txhob totaub nrog Medicaid, uas yog tsoomfwv txoj haujlwm uas muab kev pov hwm kev noj qab haus huv rau cov neeg tau nyiaj tsawg thiab tsev neeg. Nws muaj peev xwm tsim nyog rau ob qho tib si yog tias koj ua tau raws li qhov kev tsim nyog tau txais ob. Qhov sib txawv loj tshaj plaws ntawm Medicare thiab Medicaid, hais txog qhov nws them rau, yog kev saib xyuas mus sij hawm ntev.
Yog tias koj muaj Medicaid, koj qhov kev pab them nqi kho mob mus sij hawm ntev hauv tsev laus. Tej zaum koj yuav tsum tau siv nyiaj qis ua ntej kom tau txais Medicaid. Medicare, ntawm qhov tod tes, tsis them nyiaj rau kev saib xyuas mus sij hawm ntev hauv lub tsev laus.
Medicare Cover yog dab tsi?
Thawj Medicare, tseem hu ua Medicare ib txwm muaj, suav nrog Medicare Tshooj A thiab B. Medicare Tshooj A yog kev pov hwm tsev kho mob. Nws npog cov khoom xws li:
Nyob hauv tsev kho mob, mus txog 60 hnub hauv chav tsev ib nrab
Noj mov hauv tsev kho mob
Cov kev pab tu neeg mob
Kev kho mob hnyav
Tshuaj, khoom siv kho mob thiab khoom siv kho mob
Kev kuaj sim thiab X-rays uas yuav tsum tau ua thaum pw hauv tsev kho mob
Kev phais thiab cov nqi rov qab
Kev kho mob thiab kev kho mob
Kev saib xyuas neeg mob hauv tsev ib nrab hnub
Medicare Tshooj B yog kev tuav pov hwm kho mob. Yog li ntawd txhais tau tias koj tau them rau tej yam xws li:
Medicare Tshooj D yog daim ntawv sau tshuaj. Koj yuav tsum muaj ob qho Medicare Tshooj A thiab B raws li Original Medicare txhawm rau koom nrog kev pabcuam tshuaj noj.
Muaj kuj Medicare Tshooj C, uas tseem hu ua Medicare Advantage. Medicare Advantage cov kev pab them nqi kho mob yog muab los ntawm cov neeg tuav pov hwm ntiag tug thiab them txhua yam uas tau them los ntawm Medicare Parts A thiab B. Medicare Advantage cov phiaj xwm kuj tseem tuaj yeem muab qee qhov kev pab them nqi ntxiv.
Medicare Advantage vs. Original Medicare
Medicare Advantage cov phiaj xwm yuav tsum ua raws li Medicare cov cai, raws li qhov yuav tsum tau them. Tab sis muaj qee qhov sib txawv tseem ceeb ntawm ob. Nov yog qhov lawv piv ntawm ib nrais muag:
Sib piv Medicare Advantage thiab Medicare Medicare Advantage Medicare Tej zaum yuav raug txwv rau cov kws kho mob, tsev kho mob lossis lwm tus kws kho mob uas nyob hauv-network Mus ntsib tus kws kho mob, tsev kho mob lossis tus kws kho mob hauv Teb Chaws Asmeskas uas koom nrog Medicare Referrals tej zaum yuav tau mus ntsib tus kws kho mob tshwj xeeb. 'tsis xav tau kev xa mus ntsib tus kws kho mob tshwj xeeb suav nrog Part A thiab B kev pab them nqi tab sis kuj tseem yuav suav nrog cov kev pabcuam ntxiv uas tsis tau them los ntawm Original Medicare Includes Part A thiab B kev pab them nqi Part D yuav suav nrog hauv koj daim phiaj xwm cais Medicare Part D yog xav tau rau cov tshuaj noj ib co kev pab los yog cov khoom siv yuav xav tau kev pom zoo ua ntej lawv tuaj yeem tau txais kev pom zoo ua ntej feem ntau tsis xav tau
Tsis yog Medicare Advantage cov phiaj xwm lossis Original Medicare them rau cov kev pabcuam kev noj qab haus huv uas muab sab nraum Tebchaws Meskas Qhov ntawd yog ib yam uas yuav tsum nco ntsoov yog tias koj tab tom xav txog nyiaj laus mus txawv tebchaws.
Yog li dab tsi Medicare Advantage npog uas Original Medicare tsis?
Nyob ntawm txoj kev npaj, koj qhov kev pab cuam Medicare Advantage yuav suav nrog:
Cov tshuaj kws kho mob
Kev Kho Hniav
Kev kho qhov muag
Kev saib xyuas kev hnov lus, nrog rau cov khoom siv hnov lus
Kev noj qab haus huv thiab kev tawm dag zog (xws li kev koom tes hauv gym lossis chav kawm qoj)
Yog tias koj xav tias xav tau tsom iav qhov muag, hniav hniav, cov khoom siv hnov lus lossis lwm yam uas Original Medicare tsis them, qhov ntawd tej zaum yuav yog vim li cas thiaj xav txog Medicare Advantage txoj kev npaj.
Puas yog Medicare Advantage pheej yig dua Medicare?
Ob leeg Medicare Advantage thiab Medicare tuaj yeem muaj cov nqi tawm hauv hnab tshos. Nrog Medicare, Part A qhov kev pab them nqi feem ntau yog dawb dawb rau cov neeg feem coob. Medicare Part B qhov kev pab them nqi kho mob muaj ob qho nqi them thiab tus nqi txiav tawm. Rau 2021, tus qauv Part B hwm yog $148.50. Qhov koj them rau Medicare Part B cov nqi them tuaj yeem nyob ntawm koj cov nyiaj tau los thiab cov ntaub ntawv ua se.
Tus qauv Medicare Part B raug txiav tawm yog $233 rau 2022. Rau Medicare Part B cov kev pabcuam, feem ntau koj them 20% ntawm Medicare-pom zoo nyiaj tomqab sib ntsib qhov txiav tawm. Yog tias koj tseem tau cuv npe hauv Medicare Part D nrog Original Medicare, koj yuav them tus nqi them rau qhov ntawd.
Nrog Medicare Advantage cov phiaj xwm, tus nqi koj them rau cov nqi them los yog cov nqi txiav tawm tuaj yeem nyob ntawm txoj kev npaj. Qee cov phiaj xwm Medicare Advantage muaj tus nqi $0, piv txwv. Yog tias txoj kev npaj them tus nqi them, koj yuav tau them qhov no ntxiv rau cov nqi them Medicare Part B. Tab sis tej zaum koj yuav tsis tau them nyiaj ntxiv rau Part D daim ntawv kho mob yog tias muaj nyob rau hauv txoj kev npaj.
Medicare Advantage cov kev npaj yuav xav tau copayments los yog coinsurance. Tej zaum yuav muaj kev txwv txhua xyoo, txawm li cas los xij, ntawm qhov koj yuav tsum tau them tawm ntawm hnab ris. Koj yuav tsis tas yuav kev tuav pov hwm Medigap, uas yog tsim los ntxiv qee cov nqi uas Original Medicare tsis them.
Yog li qhov twg pheej yig dua, Medicare Advantage vs. Medicare?
Cov lus teb yooj yim yog tias nws nyob ntawm. Nrog Medicare, koj paub ntau dua lossis tsawg dua qhov koj yuav them txhua xyoo. Nws tuaj yeem nyuaj dua los txheeb xyuas cov nqi them nrog Medicare Advantage, vim tias cov phiaj xwm yuav txawv. Yog li nws yog ib qho tseem ceeb los sib piv Medicare Advantage cov kev xaiv ua tib zoo ua ntej tso npe lossis hloov koj qhov kev pab them nqi kom tau txais kev nkag siab ntawm koj yuav them dab tsi thiab qhov kev sib pauv.
Medicare Advantage vs. Medicare: Yam Koj Yuav Tsum Tau Txais?
Txawm hais tias nws ua rau koj xav tau Medicare Advantage lossis Original Medicare tuaj yeem nyob ntawm seb hom kev pab them nqi kho mob twg koj xav tau thiab qhov koj xav them rau nws. Yog tias koj tsis xav tau kev pab ntxiv xws li kev saib xyuas qhov muag los yog kev kho hniav, ces tej zaum koj yuav xav mus nrog Original Medicare. Tej zaum koj yuav zam tsis tau them tus nqi them Part A thiab koj yuav paub tias koj cov nqi them Part B yuav yog dab tsi txhua xyoo, raws li koj cov nyiaj tau los.
Tej zaum koj kuj xav tau qhov yooj yim ntawm kev mus ntsib ib tus kws kho mob lossis tus kws kho mob uas lees txais Medicare, tsis yog mus ntsib kws kho mob hauv network. Thiab tsis tas yuav tau txais kev xa mus ntsib tus kws kho mob tshwj xeeb yuav yog qhov ntxiv yog tias koj txhim kho kev noj qab haus huv tsis tu ncua.
Ntawm qhov tod tes, Medicare Advantage cov phiaj xwm tuaj yeem muab kev pab them nqi ntau dua. Cov nqi yuav qis dua thiab. Yog tias koj xaiv Medicare Advantage txoj kev npaj, koj tsis raug kaw rau hauv txoj kev npaj ntawd. Koj tuaj yeem hloov mus rau Medicare Advantage txoj kev npaj tshiab yog tias qhov koj tau poob qis ntawm koj qhov kev cia siab lossis kev xav tau. Tham nrog a tus kws pab tswv yim nyiaj txiag los yog Medicare tus kws tshaj lij kev sau npe tuaj yeem pab koj tau txais cov lus teb rau koj cov lus nug Medicare.
kab hauv qab
Ntsuas qhov sib txawv ntawm Medicare Advantage vs. Medicare tuaj yeem pab koj txiav txim siab seb qhov twg yog qhov zoo dua raws li koj qhov kev xav tau kev kho mob thiab qhov koj xav siv rau kev saib xyuas. Thaum koj tau cuv npe hauv Medicare, nws muaj peev xwm hloov kho koj cov kev xaiv ntawm cov phiaj xwm thaum qhib rau npe. Medicare qhib rau npe pib txij lub Kaum Hli 15 txog Lub Kaum Ob Hlis 7 txhua xyoo, muab sijhawm rau koj los kho koj cov kev pab yog tias xav tau.
Cov Tswv Yim Npaj Ua Haujlwm Laus
Nws yog ib qho tseem ceeb kom nco ntsoov tias Medicare tsis muaj kev pab them nqi kho mob kom txog rau thaum xyoo koj muaj hnub nyoog 65 xyoos. Yog tias koj npaj yuav retire ntawm 55 los yog txawm tias 45, ces koj yuav tau txiav txim siab yuav ua li cas txog kev pov hwm kev noj qab haus huv kom txog thaum koj muaj Medicare-tsim nyog. Tej zaum koj yuav muaj peev xwm txuas ntxiv koj tus tswv hauj lwm yav dhau los cov kev pab cuam los ntawm COBRA tab sis nws muaj lub sij hawm ntev npaum li cas koj tuaj yeem ua tau li ntawd. Yog li thaum koj tab tom ua koj cov peev nyiaj so haujlwm, xav txog qhov chaw pov hwm kev noj qab haus huv thiab kev kho mob haum rau hauv.
Xav tham nrog tus kws pab tswv yim txog nyiaj txiag txog seb nws puas tsim nyog xaiv Medicare Advantage lossis Medicare. Nrhiav ib tus kws pab tswv yim nyiaj txiag tsim nyog tsis tas yuav nyuaj. SmartAsset lub cuab yeej pub dawb phim koj nrog txog peb tus kws pab tswv yim nyiaj txiag uas ua haujlwm rau koj cheeb tsam, thiab koj tuaj yeem xam phaj koj tus kws pab tswv yim sib tw yam tsis tau them nqi los txiav txim seb qhov twg yog qhov zoo rau koj. Yog tias koj npaj mus nrhiav tus kws pab tswv yim uas tuaj yeem pab koj ua tiav koj cov hom phiaj nyiaj txiag, tau pib tam sim no.
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Tus ncej Medicare Qhib Sau Npe Yuav luag: Medicare Advantage vs. Medicare tshwm sim thawj zaug SmartAsset Blog.
Tau qhov twg los: https://finance.yahoo.com/news/medicare-advantage-vs-medicare-makes-130000744.html