Kev lom zem ntau 101!
Dhau lub sij hawm peb tham txog tej cov nqe lus uas muaj ntawv kho mob. Wb pib part II saib qhov txawv ntawm cov kev pab kho mob los yog qhov twg koj yuav tau txais kev pab them nqi kho mob rau koj cov kev kho mob. Tom qab ntawd peb yuav saib thaum koj muaj npe zwm rau hauv lub hom phiaj sib txawv.
- Cov Kev Pab Them Nqi Los Ntawm Ib Tug Tswv Hauj Lwm
Ib txoj kev uas yuav tau txais kev pab them nqi kho mob yog los ntawm koj qhov chaw ua hauj lwm. Ntau cov chaw ua hauj lwm muaj kev pab them nqi rau lawv cov neeg ua hauj lwm. Feem ntau, koj yuav tau txais kev pab them nqi kho mob rau koj tus kheej, koj tus txij nkawm, thiab/los yog koj tsev neeg. Feem ntau, muaj nqi sib koom koom tes nrog qhov twg koj them ib feem ntawm cov premium uas yuav tuaj tawm hauv koj cov nyiaj ua ntej taxed. Raws li txoj cai tam sim no, yog hais tias lub hom phiaj npog cov me nyuam, lawv yuav nyob ntawm txoj cai mus txog rau thaum lawv tig 26 xyoo rov saum, txawm tias lawv yuav sib yuav thiab/los yog tsis nyob nrog lawv niam thiab txiv. Cov no feem ntau yog coj mus muag xws li Anthem xiav xiav Shield los yog United Healthcare.
- Kev Tuav Pov Hwm Kho Mob Marketplace
Yog hais tias koj ua hauj lwm ntawm ib qhov chaw ua hauj lwm uas tsis muaj ntawv kho mob, nws muaj nws lwm txoj kev mus nrhiav kev pab them nqi kho mob. Nyob rau xyoo 2010, txoj kev nqis care Act tsim los pab cov "Insurance Insurance Marketplace." Kuj hu ua cov Marketplace, los yog cov txauv, qhov no yog ib khw thiab kev pab them nqi kho mob rau cov neeg thiab tsev neeg. Nyob rau hauv lub xeev feem ntau, tsoom fwv teb chaws sau cov Marketplace, txawm tias ib txhia lub xeev khiav lawv cov Marketplaces ntawm cov websites sib txawv. Koj yuav xyuas tau nws seb puas muaj kev pab them nqi kho mob muaj nyob rau ntawm cheeb tsam ntawm HealthCare.gov.
- State Medicaid Programs
Medical Assistance (Medicaid) yog ib hom kev pab kho mob uas muaj nyob rau hauv txhua lub xeev. Kev tsim nyog tau txais kev pab yog raws li cov nyiaj tau los. Txhua lub xeev tswj lawv cov txheej txheem thiab theem ntawm cov kev pab them nqi kho mob. Tsis muaj ib txoj kev qhib rau Medicaid ces koj muaj peev xwm thov tau thaum twg los tau. Ib qho tseem ceeb heev uas tsis yog txhua tus neeg zov me nyuam txais Kev Pab Kho Mob kom koj yuav xyuas ua ntej yuav mus ntsib ib tug neeg zov me nyuam saib yog lawv txais Cov Kev Pab Kho Mob. Yog xav paub ntxiv txog Medicaid, koj yuav mus Medicaid.gov.
- Medicare
Medicare yog ib qhov kev pab them nqi kho mob rau cov neeg hauv Teb Chaws Asmeskas. Yuav kom tsim nyog tau txais Medicare, koj yuav tsum muaj 65 xyoos thiab laus tshaj ntawd los yog muaj ib tug tsim nyog tau txais kev pab.
Thaum koj tsim nyog tau txais medicare, nws tseem ceeb heev uas yuav tau saib seb koj xav tau dab tsi yog lub sij hawm ntawd vim hais tias muaj ntau scenarios ntau scenarios, ib txhia uas muaj xws li kev nplua rau delaying.
Medicare muaj xws li 2 cais cov kev pab them nqi kho mob, feem ntau hu ua Part A (Qhov kev pab cuam no yuav pab them rau cov kev pab kho mob hauv tsev kho mob thiab kuj luv-sij hawm skilled nursing chaw. Feem ntau, yog tsis muaj premium tshuav yog hais tias koj twb khwv tau nyiaj txaus los ntawm cov nyiaj ua se tau los ntawm koj lub xyoo ua hauj lwm.) thiab Qhov B (Qhov kev pab cuam no yuav pab them rau feem ntau lwm yam kev kho mob uas tsim nyog thiab cov chaw muab kev pab, kev tshuaj ntsuam, thiab lwm yam. Nws muaj nws ib tug premium tshuav, uas yog deducted los ntawm koj tus Social Security them txhua hli.)
Ntxiv rau qhov chaw A thiab B, koj kuj yuav tsum tau cov kev pab them nqi kho mob rau koj cov tshuaj, uas feem ntau hu ua Part D. Ib feem D lub hom phiaj yuav muas nyias nyias, tab sis vim tsoos Medicare tsis them 100%, koj yuav tau saib muas khoom ib txoj kev npaj them nqi los pab nrog cov nyiaj npib. Feem ntau cov kev pab them nqi kho mob (los yog cov kev pab them nqi kho mob) muaj xws li cov kev pab them nqi kho mob.
Medicare Kom Zoo Dua Plan (Medicare Part C). Qhov no yog lwm txoj kev xaiv thaum koj tsim nyog rau Medicare tsis txhob mus nrog tsoos. Cov kev pab them nqi no subsidized los ntawm tsoom fwv teb chaws tiam sis cov kev pab them nqi yog los ntawm tej tuam txhab uas muag xws li UnitedHealthcare los yog xiav xiav Shield. Koj qhov premium medicare premium yog tseem deducted los ntawm koj lub hlis Social Security thiab tej zaum koj yuav muaj ib qho nuj nqis ntxiv yog hais tias koj xaiv ib txoj kev npaj siab ntau dua. Cov kev pab them nqi kom zoo dua yuav muaj xws li cov kev pab them nqi rau tsev kho mob inpatient, kws kho mob thiab tshuaj. Muaj ntau hom kev pab them nqi uas muaj nyob ntawm seb koj nyob qhov twg.
Nrog rau qhov kev tsim nyog tau txais kev pab los ntawm Lub Xeev (uas tsim nyog tau txais kev pab raws li cov nyiaj tau los), tag nrho cov ntawv kho mob muaj qhib sau npe xaiv tsev kawm ntawv.
Qhib Sau Npe Xaiv Tsev Kawm Ntawv thiab yuav ua li cas nrog kuv?
Qhib Sau Npe Xaiv Tsev Kawm Ntawv yog lub sij hawm thaum koj tau txais kev pab, nres, lossis hloov koj daim ntawv kho mob. Seb koj cov kev pab them nqi kho mob yog los ntawm koj qhov chaw ua hauj lwm, cov Marketplace, los yog vim koj muaj hnub nyoog uas tsim nyog rau Medicare, nws yog ib qho tseem ceeb uas yuav tau paub thaum koj qhib qhov kev pab cuam pib/xaus. Nws yog lub sij hawm no koj yuav hloov tau koj cov kev pab. Vim li cas koj thiaj xav ua ntawd? ntau yam. Tej zaum koj cov kev kho mob yuav tau hloov thiab ib lub hom phiaj txawv yuav zoo them rau cov kev xav tau. Premiums tej zaum yuav muaj ntau zog los yog muaj lwm lub hom phiaj uas muaj zoo premiums kam.
Feem ntau cov sij hawm qhib sau npe yog thaum lub quarter rau lub xyoo tshiab rau cov kev pab them nqi tshiab pib lub xyoo tom ntej no. Txawm li ntawd los, qhov no tsis yog sau nyob rau hauv pob zeb. Medicare muaj nruj heev rau lub sij hawm uas koj tau txais kev pab thiab tej zaum yuav raug nplua yog hais tias koj tsis kos npe rau thaum lub sij hawm no. Ntxiv thiab, ib txhia chaw ua hauj lwm tej zaum yuav muaj nyaj xyoo uas xaus mid-xyoo xwb xyoo-kawg thiab lawv daim ntawv kho mob khiav tib yam. Nug yog hais tias koj tsis paub tseeb thaum qhib sau npe yog vim hais tias koj tsis xav npeeg lub sijhawm los saib seb koj kho mob yuav tau them rau lub xyoo tom ntej no.
Tam sim no tias peb twb ntsia qhov twg thiab thaum twg tau txais kev pab them nqi kho mob, peb yuav npaj tau mus rau lub nitty gritty. Lwm zaus, wb tshawb xyuas seb koj daim ntawv kho mob xaiv kom muab kev txiav txim siab rau qhov zoo tshaj plaws uas yuav muaj rau koj. Peb yuav saib qhov no los ntawm tus foupective ntawm ib tug neeg nyob nrog ib los ntshav disorder uas peb paub tias kev kho mob yuav kim heev. Tej zaum yuav tsimnyog tias qhov kev xaiv uas zoo li yuav tus nyiam thaum xub thawj yuav tsis yog qhov zoo tshaj plaws nyob rau thaum kawg.
