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Yog Vim Li Cas Thiaj li Yuav Tau Muaj Qhov Muaj Feem Tau Txais Medicaid rau qhov Kev Pab Them Nqi rau D-SNP
Tshaj tawm: July 12, 2022
Hnub hloov tshiab zaum kawg los no: December 02, 2022
Medicaid qhov kev pab them nqi yog ib feem tseem ceeb ntawm qhov muaj feem tau txais kev pab ob qho
Cov neeg uas muaj cai tsim nyog tau txais Medicaid thiab Medicare ob qho tib si yog hu ua muaj feem tau txais kev pab ob qho. Qhov ntawd yog vim lawv muaj feem tau txais kev pab ob qho rau ob qhov khoos kas pab cuam tib si. Qhov muaj feem tau txais kev pab ob qho kuj tseem txhais hais tias tus neeg ntawd tuaj yeem muaj cai tau txais daim phiaj Dual Special Needs plan (D-SNP). Cov D-SNPs yog ib hom ntawm daim phiaj kho mob Medicare Advantage uas muab cov kev pab ntxiv dhau ntawm Original Medicare thiab Medicaid. Tiam sis yuav muaj dab tsi tshwm sim yog hais tias ib tus neeg poob nws qhov kev muaj feem tau txais Medicaid lawm? Nyeem mus ntxiv kom paub.
Tau txais koj daim ntawv qhia txog daim phiaj muaj ob yam kev pab pub dawb
Txhua yam koj xav paub txog cov phiaj xwm tuav pov hwm Ob Yam Kev Xav Tau Tshwj Xeeb (Dual Special Needs plans) ces yog nyob rau hauv tib phau ntawv qhia, uas yooj yim xwb.
Cov tswv cuab uas muaj D-SNP yuav tau ceev lawv qhov kev muaj feem tau txais Medicaid
Ib qho ntxiv kom muaj cai tau txais Medicaid, kev muaj Medicaid qhov kev pab them nqi yog ib qho yuav tsum tau muaj kom rau npe tau rau hauv D-SNP. Thiab qhov ntawd tsis yog qhov thaum koj xub koom xwb. Kom muaj feem tau txais kev pab mus ntxiv, koj yuav tau ceev koj qhov Medicaid kev pab them nqi kom muaj txhua lub sij hawm. Yog koj poob koj qhov muaj feem tau txais Medicaid, tsis ntev tom qab ntawd koj yuav tsum tau txais ib tsab ntawv tuaj ntawm koj lub tuam txhab tuav pov hwm kho mob. Tsab ntawv no yuav qhia rau koj paub tias koj tsis muaj raws li qhov muaj feem tau txais kev pab ntawm D-SNP cov cai lawm.
Muaj dab tsi tshwm sim yog hais tias ib tus tswv cuab D-SNP poob nws qhov muaj feem tau txais Medicaid?
Thaum ib tus tswv cuab D-SNP tsis muaj cai tau Medicaid mus ntxiv lawm, lawv yuav poob rau ib lub sij hawm ncua pub ntxiv (grace period). Nyob ntawm seb daim phiaj kho mob yog li cas, lub sij hawm ncua pub ntxiv no yuav yog 30 hnub los yog ntau txog 6 lub hlis. Cov tswv cuab kuj tseem tuaj yeem tau txais kev kho mob thiab cov kev pab cuam los ntawm lawv daim phiaj kho mob. Thiab Medicare tseem yuav them rau qhov kev kho mob thiab cov kev pab feem ntau uas kam them rau. Tib qho sib txawv mas tsuas yog tias, thaum lub sij hawm ncua pub ntxiv (grace period) no, tus tswv cuab D-SNP yuav tau them cov nqi uas yus rho nyiaj hauv hnab tshos them. Cov no yuav muaj xws li feem yus nrog them (copayments), feem koom them tuav pov hwm (coinsurance), feem yus them ua ntej (deductibles) thiab cov nqi uas yus them txhua hli (premiums) uas Medicaid yuav them dhau rau yav dhau los.
Thaum ib tus tswv cuab D-SNP tsis muaj cai tau Medicaid mus ntxiv lawm, lawv yuav poob rau ib lub sij hawm ncua pub ntxiv (grace period)
Yog hais tias koj qhov Medicaid pab them nqi tsis rov qab muab rau koj thaum lub sij hawm ncua pub ntxiv, tej zaum koj yuav tau xaiv ib daim phiaj kho mob txawv.
Yog lub sij hawm ncua pub ntxiv los xaus es koj tsis tau txais Medicaid qhov kev pab them nqi mus ntxiv lawm, koj yuav raug rho npe tawm ntawm koj daim phiaj D-SNP los yog lwm daim phiaj kho mob Medicare Special Needs health plan. Yog thaum muaj li no, koj daim phiaj kho mob yuav xa ib tsab ntawv tuaj qhia rau koj paub tias thaum twg qhov kev pab them nqi rau koj yuav los xaus. Ces koj yuav muaj ib lub sij hawm rau npe hu ua Ncua Sij Hawm Kev Tso Npe Tshwj Xeeb (SEP) rau hauv ib daim phiaj tshiab hu ua Medicare Advantage plan los yog Original Medicare thiab ib daim phiaj Medicare Part D (daim phiaj pab them nqi tshuaj). Qhov kev pab them nqi tshiab rau koj yuav pib lub hli tom qab koj daim phiaj dhau los tas lawm.
Yog hais tias koj poob Medicaid qhov kev pab them nqi puv ntoob lawm, tej zaum koj yuav tuaj yeem ua tau tus tswv cuab tau txais kev pab ob qho ib feem xwb.
Kev muaj feem tau txais kev pab ob qho ib feem xwb yog thaum ib tus neeg muaj cai tau txais Medicare, tab sis nws ho tsis tau txais Medicaid cov kev pab them nqi kho mob puv ntoob. Yog hais tias koj poob koj qhov Medicaid cov kev pab them nqi kho mob puv ntoob, tab sis tseem koom rau hauv ib qho Medicare Savings Program(MSP), tej zaum koj yuav muaj cai tau ib daim phiaj muaj ob qho ib feem xwb.* Txawm tias Medicare them rau cov kev kho mob feem ntau, coob tus cov uas muaj feem tau txais kev pab ob qho ib feem xwb yuav tau them cov nqi uas yus rho nyiaj hauv hnab tshos them. Kawm kom paub ntau ntxiv txog qhov muaj feem tau txais kev pab ob qho ib feem xwb.
*Pab them nqi rau cov neeg uas muaj cai tau txais kev pab ob qho ib feem xwb uas tsuas muaj nyob rau hauv qee cheeb tsam xwb.
Mus saib UnitedHealthcare cov phiaj tuav pov hwm nyob hauv koj cheeb tsam
Muaj feem tau txais ob qho los yog Medicaid cov phiaj muab kev pab yuav hloov nyob ntawm seb koj nyob qhov twg. Tshawb nrhiav txog kev siv koj tus zauv Zip (Zip code) txhawm rau kom paub txog qhov phiaj xwm kev npaj tuav pov hwm kev kho mob uas raug los mus haum rau koj cov kev xav tau ntsig txog kev saib xyuas kho mob rau fab kev noj qab haus huv.