{"id":29689,"date":"2026-10-14T11:46:18","date_gmt":"2026-10-14T18:46:18","guid":{"rendered":"https:\/\/ameripharmaspecialty.com\/?p=29689"},"modified":"2026-10-14T12:41:10","modified_gmt":"2026-10-14T19:41:10","slug":"huong-dan-dang-ky-bao-hiem-y-te-medicare-nam-2027-nhung-dieu-ban-can-biet","status":"publish","type":"post","link":"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/","title":{"rendered":"H\u01b0\u1edbng d\u1eabn \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m y t\u1ebf m\u1edf n\u0103m 2027 (Medicare): Nh\u1eefng \u0111i\u1ec1u b\u1ea1n c\u1ea7n bi\u1ebft"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Chuy\u1ec3n \u0111\u1ed5i m\u1ee5c l\u1ee5c\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Chuy\u1ec3n \u0111\u1ed5i<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Insights_from_AmeriPharma_Specialtys_Billing_and_Insurance_Coverage_Support_Team\" >Nh\u1eefng chia s\u1ebb t\u1eeb nh\u00f3m h\u1ed7 tr\u1ee3 thanh to\u00e1n v\u00e0 b\u1ea3o hi\u1ec3m c\u1ee7a AmeriPharma Specialty.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Key_Open_Enrollment_Dates_for_2027_Coverage\" >C\u00e1c m\u1ed1c th\u1eddi gian quan tr\u1ecdng trong giai \u0111o\u1ea1n \u0111\u0103ng k\u00fd m\u1edf (cho b\u1ea3o hi\u1ec3m n\u0103m 2027)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#How_to_Compare_Plans_for_Specialty_Therapies\" >C\u00e1ch so s\u00e1nh c\u00e1c k\u1ebf ho\u1ea1ch cho li\u1ec7u ph\u00e1p chuy\u00ean khoa<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#1_Ask_These_Three_Questions_First\" >1. Tr\u01b0\u1edbc ti\u00ean h\u00e3y h\u1ecfi ba c\u00e2u h\u1ecfi n\u00e0y<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#2_Look_at_the_Whole_Cost_%E2%80%94_Not_Just_the_Premium\" >2. Xem x\u00e9t to\u00e0n b\u1ed9 chi ph\u00ed \u2014 Kh\u00f4ng ch\u1ec9 ph\u00ed b\u1ea3o hi\u1ec3m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#What_To_Ask_When_Comparing_Plans\" >Nh\u1eefng \u0111i\u1ec1u c\u1ea7n h\u1ecfi khi so s\u00e1nh c\u00e1c g\u00f3i d\u1ecbch v\u1ee5<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#What_We_See_Go_Wrong\" >Nh\u1eefng g\u00ec ch\u00fang ta th\u1ea5y l\u00e0 sai<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#When_a_Higher_Premium_Makes_Sense\" >Khi n\u00e0o m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 \u00fd ngh\u0129a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Key_Takeaway\" >\u0110i\u1ec3m ch\u00ednh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#3_Understand_Plan_Types\" >3. Hi\u1ec3u c\u00e1c lo\u1ea1i k\u1ebf ho\u1ea1ch<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#4_Confirm_How_Your_Therapy_Is_Billed\" >4. X\u00e1c nh\u1eadn c\u00e1ch th\u1ee9c thanh to\u00e1n li\u1ec7u ph\u00e1p c\u1ee7a b\u1ea1n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Medicare_Whats_New_in_2027\" >Medicare: C\u00f3 g\u00ec m\u1edbi trong n\u0103m 2027<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Medicare_Part_D_Out-of-Pocket_Cap\" >Medicare Part D: M\u0169 b\u1ecf t\u00fai<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#What_to_Know_About_the_Monthly_Payment_Plan_Smoothing\" >Nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft v\u1ec1 K\u1ebf ho\u1ea1ch thanh to\u00e1n h\u00e0ng th\u00e1ng (Smoothing)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Navigating_Medicaid\" >\u0110i\u1ec1u h\u01b0\u1edbng Medicaid<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Medicare_Tips_for_Specialty_Patients\" >M\u1eb9o Medicare d\u00e0nh cho b\u1ec7nh nh\u00e2n chuy\u00ean khoa<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Navigating_Employer_Marketplace_Plans\" >\u0110i\u1ec1u h\u01b0\u1edbng c\u00e1c k\u1ebf ho\u1ea1ch c\u1ee7a nh\u00e0 tuy\u1ec3n d\u1ee5ng v\u00e0 th\u1ecb tr\u01b0\u1eddng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Financial_Assistance_How_We_Can_Help\" >H\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh: Ch\u00fang t\u00f4i c\u00f3 th\u1ec3 gi\u00fap g\u00ec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Quick_Checklist_Before_You_Choose_a_Plan\" >Danh s\u00e1ch ki\u1ec3m tra nhanh tr\u01b0\u1edbc khi b\u1ea1n ch\u1ecdn m\u1ed9t g\u00f3i<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/ameripharmaspecialty.com\/vi\/medicare\/2027-medicare-open-enrollment-guide-what-you-need-to-know\/#Speak_with_an_Insurance_Coverage_Specialist\" >N\u00f3i chuy\u1ec7n v\u1edbi Chuy\u00ean gia B\u1ea3o hi\u1ec3m<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"h-insights-from-ameripharma-specialty-s-billing-and-insurance-coverage-support-team\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insights_from_AmeriPharma_Specialtys_Billing_and_Insurance_Coverage_Support_Team\"><\/span><strong>Nh\u1eefng chia s\u1ebb t\u1eeb nh\u00f3m h\u1ed7 tr\u1ee3 thanh to\u00e1n v\u00e0 b\u1ea3o hi\u1ec3m c\u1ee7a AmeriPharma Specialty.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang d\u00f9ng thu\u1ed1c \u0111\u1eb7c tr\u1ecb nh\u01b0 <strong><a href=\"https:\/\/ameripharmaspecialty.com\/vi\/ivig\/ivig\/\">IVIG<\/a><\/strong>, <strong><a href=\"https:\/\/ameripharmaspecialty.com\/vi\/tpn\/huong-dan-day-du-ve-lieu-phap-tpn\/\">TPN<\/a><\/strong>, <strong>ung th\u01b0 h\u1ecdc<\/strong>, ho\u1eb7c <strong>sinh h\u1ecdc<\/strong>, K\u1ef3 \u0111\u0103ng k\u00fd m\u1edf n\u0103m 2027 l\u00e0 m\u1ed9t trong nh\u1eefng th\u1eddi \u0111i\u1ec3m quan tr\u1ecdng nh\u1ea5t trong n\u0103m \u0111\u1ec3 xem x\u00e9t l\u1ea1i k\u1ebf ho\u1ea1ch b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ea1i AmeriPharma Specialty Care, \u0111\u1ed9i ng\u0169 c\u1ee7a ch\u00fang t\u00f4i h\u1ed7 tr\u1ee3 h\u00e0ng ng\u00e0n b\u1ec7nh nh\u00e2n tr\u00ean c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m Medicare, Marketplace v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i. H\u00e0ng n\u0103m, ch\u00fang t\u00f4i gi\u00fap b\u1ec7nh nh\u00e2n tr\u00e1nh nh\u1eefng kho\u1ea3ng tr\u1ed1ng b\u1ea3o hi\u1ec3m, kh\u00e1m ph\u00e1 c\u00e1c c\u01a1 h\u1ed9i h\u1ed7 tr\u1ee3 v\u00e0 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 c\u00f3 th\u1ec3 ng\u0103n ng\u1eeba \u0111\u01b0\u1ee3c n\u1ebfu l\u1eadp k\u1ebf ho\u1ea1ch s\u1edbm h\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u01b0\u1edbng d\u1eabn n\u00e0y chia s\u1ebb <strong>nh\u1eefng c\u00e2u h\u1ecfi h\u00e0ng \u0111\u1ea7u ch\u00fang t\u00f4i nghe<\/strong>, c\u00e1i <strong>nh\u1eefng sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t m\u00e0 ch\u00fang t\u00f4i th\u1ea5y<\/strong>, V\u00e0 <strong>Nh\u1eefng \u0111i\u1ec1u b\u1ea1n c\u1ea7n bi\u1ebft \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n ti\u1ebfp c\u1eadn \u0111i\u1ec1u tr\u1ecb c\u1ee7a m\u00ecnh v\u00e0o n\u0103m 2027<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><em>Ch\u00fang t\u00f4i h\u01b0\u1edbng d\u1eabn. B\u1ea1n quy\u1ebft \u0111\u1ecbnh.<\/em><\/strong><\/td><\/tr><tr><td><em>AmeriPharma gi\u00fap b\u1ea1n hi\u1ec3u c\u00e1ch th\u1ee9c chi tr\u1ea3 cho li\u1ec7u ph\u00e1p c\u1ee7a m\u00ecnh v\u00e0 n\u01a1i t\u00ecm ki\u1ebfm h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh. AmeriPharma l\u00e0 <\/em><strong><em>kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m<\/em><\/strong><em>, v\u00e0 ch\u00fang t\u00f4i l\u00e0m <\/em><strong><em>kh\u00f4ng<\/em><\/strong><em> \u0111\u1ec1 xu\u1ea5t c\u00e1c k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"h-key-open-enrollment-dates-for-2027-coverage\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Open_Enrollment_Dates_for_2027_Coverage\"><\/span>C\u00e1c m\u1ed1c th\u1eddi gian quan tr\u1ecdng trong giai \u0111o\u1ea1n \u0111\u0103ng k\u00fd m\u1edf (cho b\u1ea3o hi\u1ec3m n\u0103m 2027)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Medicare Tuy\u1ec3n sinh m\u1edf h\u00e0ng n\u0103m (AEP):<\/strong><br>T\u1eeb ng\u00e0y 15 th\u00e1ng 10 \u0111\u1ebfn ng\u00e0y 7 th\u00e1ng 12 n\u0103m 2026<br>Nh\u1eefng thay \u0111\u1ed5i n\u00e0y s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1 th\u00e1ng 1 n\u0103m 2027.<\/li>\n\n\n\n<li><strong>C\u00e1c g\u00f3i th\u1ecb tr\u01b0\u1eddng ACA:<\/strong><br>Vi\u1ec7c \u0111\u0103ng k\u00fd tham gia th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m y t\u1ebf l\u00e0 ri\u00eang bi\u1ec7t v\u1edbi quy \u0111\u1ecbnh Medicare. Ng\u00e0y th\u00e1ng v\u00e0 c\u00e1c quy t\u1eafc v\u1ec1 ng\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c kh\u00e1c nhau t\u00f9y theo ti\u1ec3u bang v\u00e0 th\u1ecb tr\u01b0\u1eddng; vui l\u00f2ng ki\u1ec3m tra l\u1ecbch tr\u00ecnh n\u0103m 2027 hi\u1ec7n h\u00e0nh t\u1ea1i \u0111\u00e2y. <a href=\"https:\/\/www.healthcare.gov\/\">HealthCare.gov<\/a> ho\u1eb7c th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u1ee7a ti\u1ec3u bang b\u1ea1n. Nh\u1eefng ng\u01b0\u1eddi c\u00f3 m\u00e3 s\u1ed1 Medicare th\u01b0\u1eddng kh\u00f4ng n\u00ean mua b\u1ea3o hi\u1ec3m th\u00f4ng qua th\u1ecb tr\u01b0\u1eddng n\u00e0y.<\/li>\n\n\n\n<li><strong>K\u1ebf ho\u1ea1ch c\u1ee7a nh\u00e0 tuy\u1ec3n d\u1ee5ng:<br><\/strong>Ng\u00e0y th\u00e1ng c\u00f3 th\u1ec3 kh\u00e1c nhau, nh\u01b0ng h\u1ea7u h\u1ebft l\u00e0 v\u00e0o th\u00e1ng 10\u2013th\u00e1ng 12<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-how-to-compare-plans-for-specialty-therapies\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Compare_Plans_for_Specialty_Therapies\"><\/span><strong>C\u00e1ch so s\u00e1nh c\u00e1c k\u1ebf ho\u1ea1ch cho li\u1ec7u ph\u00e1p chuy\u00ean khoa<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-1-ask-these-three-questions-first\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Ask_These_Three_Questions_First\"><\/span>1. <strong>Tr\u01b0\u1edbc ti\u00ean h\u00e3y \u0111\u1eb7t ba c\u00e2u h\u1ecfi n\u00e0y<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e0ng n\u0103m, ch\u00fang t\u00f4i \u0111\u1ec1u n\u00f3i chuy\u1ec7n v\u1edbi nh\u1eefng b\u1ec7nh nh\u00e2n ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng \u2014 ch\u1ec9 \u0111\u1ec3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng thu\u1ed1c c\u1ee7a h\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 ho\u1eb7c h\u1ecd ph\u1ea3i \u0111\u1ebfn m\u1ed9t hi\u1ec7u thu\u1ed1c kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a h\u1ecd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi ch\u1ecdn b\u1ea5t k\u1ef3 g\u00f3i n\u00e0o, ch\u00fang t\u00f4i khuy\u00ean b\u1ea1n n\u00ean x\u00e1c nh\u1eadn ba \u0111i\u1ec1u sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Thu\u1ed1c c\u1ee7a t\u00f4i c\u00f3 n\u1eb1m trong danh m\u1ee5c thu\u1ed1c c\u1ee7a b\u1ea1n kh\u00f4ng? Thu\u1ed1c \u1edf c\u1ea5p \u0111\u1ed9 n\u00e0o?<\/strong><\/li>\n\n\n\n<li><strong>T\u00f4i c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i s\u1eed d\u1ee5ng m\u1ed9t hi\u1ec7u thu\u1ed1c chuy\u00ean khoa c\u1ee5 th\u1ec3 n\u00e0o kh\u00f4ng? N\u1ebfu c\u00f3, t\u00f4i c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ngo\u1ea1i l\u1ec7 kh\u00f4ng?<\/strong><\/li>\n\n\n\n<li><strong>V\u00ec <a href=\"https:\/\/www.medicare.gov\/health-drug-plans\/health-plans\">\u01afu \u0111i\u1ec3m c\u1ee7a Medicare<\/a> k\u1ebf ho\u1ea1ch: Nh\u00e0 cung c\u1ea5p c\u1ee7a t\u00f4i c\u00f3 l\u00e0m vi\u1ec7c v\u1edbi k\u1ebf ho\u1ea1ch \u0111\u00e3 ch\u1ec9 \u0111\u1ecbnh kh\u00f4ng?<br><\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ba c\u00e2u tr\u1ea3 l\u1eddi n\u00e0y \u1ea3nh h\u01b0\u1edfng <strong>truy c\u1eadp<\/strong>, <strong>tr\u1ecb gi\u00e1<\/strong>, V\u00e0 <strong>li\u1ec7u ng\u01b0\u1eddi k\u00ea \u0111\u01a1n v\u00e0 hi\u1ec7u thu\u1ed1c chuy\u00ean khoa \u01b0a th\u00edch c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 b\u1ea1n kh\u00f4ng<\/strong>. Th\u00f4ng th\u01b0\u1eddng, b\u1ec7nh nh\u00e2n b\u1ecf qua b\u01b0\u1edbc n\u00e0y\u2014ch\u1ec9 \u0111\u1ec3 sau n\u00e0y ph\u00e1t hi\u1ec7n ra r\u1eb1ng ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a h\u1ecd kh\u00f4ng cho ph\u00e9p h\u1ecd s\u1eed d\u1ee5ng hi\u1ec7u thu\u1ed1c \u01b0a th\u00edch ho\u1eb7c vi\u1ec7c b\u1eaft \u0111\u1ea7u \u0111i\u1ec1u tr\u1ecb s\u1ebd b\u1ecb tr\u00ec ho\u00e3n trong khi ch\u1edd s\u1eafp x\u1ebfp hi\u1ec7u thu\u1ed1c m\u1edbi.<\/p>\n\n\n\n<h3 id=\"h-2-look-at-the-whole-cost-not-just-the-premium\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Look_at_the_Whole_Cost_%E2%80%94_Not_Just_the_Premium\"><\/span>2. <strong>H\u00e3y xem x\u00e9t t\u1ed5ng chi ph\u00ed \u2014 ch\u1ee9 kh\u00f4ng ch\u1ec9 ri\u00eang ph\u00ed b\u1ea3o hi\u1ec3m.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed7i n\u0103m trong th\u1eddi gian tuy\u1ec3n sinh m\u1edf, ch\u00fang t\u00f4i th\u1ea5y b\u1ec7nh nh\u00e2n l\u1ef1a ch\u1ecdn c\u00e1c k\u1ebf ho\u1ea1ch v\u1edbi <strong>ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng th\u1ea5p nh\u1ea5t<\/strong>, ngh\u0129 r\u1eb1ng h\u1ecd \u0111ang ti\u1ebft ki\u1ec7m ti\u1ec1n \u2014 ch\u1ec9 \u0111\u1ec3 ng\u1ea1c nhi\u00ean b\u1edfi <strong>chi ph\u00ed t\u1ef1 tr\u1ea3 cao h\u01a1n<\/strong>, <strong>h\u1ea1n ch\u1ebf c\u1ee7a nh\u00e0 thu\u1ed1c<\/strong>, ho\u1eb7c <strong>s\u1ef1 ch\u1eadm tr\u1ec5 \u0111i\u1ec1u tr\u1ecb<\/strong> khi n\u0103m m\u1edbi b\u1eaft \u0111\u1ea7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ef1c t\u1ebf l\u00e0: <strong>Ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 ngh\u0129a l\u00e0 t\u1ed5ng chi ph\u00ed th\u1ea5p, \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n \u0111ang tham gia li\u1ec7u ph\u00e1p chuy\u00ean khoa.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi ch\u1ecdn b\u1ea5t k\u1ef3 g\u00f3i n\u00e0o, ch\u00fang t\u00f4i khuy\u00ean b\u1ea1n n\u00ean x\u00e1c nh\u1eadn ba \u0111i\u1ec1u sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Thu\u1ed1c c\u1ee7a t\u00f4i c\u00f3 n\u1eb1m trong danh m\u1ee5c thu\u1ed1c c\u1ee7a b\u1ea1n kh\u00f4ng? Thu\u1ed1c \u1edf c\u1ea5p \u0111\u1ed9 n\u00e0o?<\/strong><\/li>\n\n\n\n<li><strong>T\u00f4i c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i s\u1eed d\u1ee5ng m\u1ed9t hi\u1ec7u thu\u1ed1c chuy\u00ean khoa c\u1ee5 th\u1ec3 n\u00e0o kh\u00f4ng? N\u1ebfu c\u00f3, t\u00f4i c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ngo\u1ea1i l\u1ec7 kh\u00f4ng?<\/strong><\/li>\n\n\n\n<li><strong>V\u00ec<\/strong> <a href=\"https:\/\/www.medicare.gov\/health-drug-plans\/health-plans\"><strong>\u01afu \u0111i\u1ec3m c\u1ee7a Medicare<\/strong><\/a> <strong>k\u1ebf ho\u1ea1ch: Nh\u00e0 cung c\u1ea5p c\u1ee7a t\u00f4i c\u00f3 l\u00e0m vi\u1ec7c v\u1edbi k\u1ebf ho\u1ea1ch \u0111\u00e3 ch\u1ec9 \u0111\u1ecbnh kh\u00f4ng?<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ba c\u00e2u tr\u1ea3 l\u1eddi n\u00e0y \u1ea3nh h\u01b0\u1edfng <strong>truy c\u1eadp<\/strong>, <strong>tr\u1ecb gi\u00e1<\/strong>, V\u00e0 <strong>li\u1ec7u ng\u01b0\u1eddi k\u00ea \u0111\u01a1n v\u00e0 hi\u1ec7u thu\u1ed1c chuy\u00ean khoa \u01b0a th\u00edch c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 b\u1ea1n kh\u00f4ng<\/strong>. Th\u00f4ng th\u01b0\u1eddng, b\u1ec7nh nh\u00e2n b\u1ecf qua b\u01b0\u1edbc n\u00e0y\u2014ch\u1ec9 \u0111\u1ec3 sau n\u00e0y ph\u00e1t hi\u1ec7n ra r\u1eb1ng ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a h\u1ecd kh\u00f4ng cho ph\u00e9p h\u1ecd s\u1eed d\u1ee5ng hi\u1ec7u thu\u1ed1c \u01b0a th\u00edch ho\u1eb7c vi\u1ec7c b\u1eaft \u0111\u1ea7u \u0111i\u1ec1u tr\u1ecb s\u1ebd b\u1ecb tr\u00ec ho\u00e3n trong khi ch\u1edd s\u1eafp x\u1ebfp hi\u1ec7u thu\u1ed1c m\u1edbi.<\/p>\n\n\n\n<h3 id=\"h-what-to-ask-when-comparing-plans\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_To_Ask_When_Comparing_Plans\"><\/span><strong>Nh\u1eefng \u0111i\u1ec1u c\u1ea7n h\u1ecfi khi so s\u00e1nh c\u00e1c g\u00f3i d\u1ecbch v\u1ee5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ee9c tranh to\u00e0n c\u1ea3nh, h\u00e3y y\u00eau c\u1ea7u k\u1ebf ho\u1ea1ch gi\u00fap b\u1ea1n \u01b0\u1edbc t\u00ednh <strong>t\u1ed5ng chi ph\u00ed h\u00e0ng n\u0103m<\/strong>, bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng<\/strong> \u2014 s\u1ed1 ti\u1ec1n b\u1ea1n tr\u1ea3 m\u1ed7i th\u00e1ng<\/li>\n\n\n\n<li><strong>Kh\u1ea5u tr\u1eeb h\u00e0ng n\u0103m<\/strong> \u2014 s\u1ed1 ti\u1ec1n b\u1ea1n ph\u1ea3i tr\u1ea3 tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u<\/li>\n\n\n\n<li><strong>\u0110\u1ed3ng thanh to\u00e1n ho\u1eb7c \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong> \u2014 cho lo\u1ea1i thu\u1ed1c c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n<\/li>\n\n\n\n<li><strong>Gi\u1edbi h\u1ea1n chi ph\u00ed t\u1ef1 tr\u1ea3 h\u00e0ng n\u0103m<\/strong> \u2014 So s\u00e1nh ri\u00eang quy\u1ec1n l\u1ee3i y t\u1ebf v\u00e0 thu\u1ed1c men. \u0110\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i thu\u1ed1c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m Medicare Part D, ng\u01b0\u1ee1ng chi ph\u00ed t\u1ef1 tr\u1ea3 h\u00e0ng n\u0103m n\u0103m 2027 l\u00e0 $2.400; con s\u1ed1 n\u00e0y kh\u00f4ng bao g\u1ed3m ph\u00ed b\u1ea3o hi\u1ec3m ho\u1eb7c chi ph\u00ed y t\u1ebf Ph\u1ea7n B.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u1eefng con s\u1ed1 n\u00e0y thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 gi\u1eefa c\u00e1c k\u1ebf ho\u1ea1ch\u2014v\u00e0 ngay c\u1ea3 nh\u1eefng kh\u00e1c bi\u1ec7t nh\u1ecf c\u0169ng c\u00f3 th\u1ec3 nhanh ch\u00f3ng t\u0103ng l\u00ean khi b\u1ea1n qu\u1ea3n l\u00fd c\u00e1c lo\u1ea1i thu\u1ed1c c\u00f3 gi\u00e1 th\u00e0nh cao.<\/p>\n\n\n\n<h3 id=\"h-what-we-see-go-wrong\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_We_See_Go_Wrong\"><\/span><strong>Nh\u1eefng g\u00ec ch\u00fang ta th\u1ea5y l\u00e0 sai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ec7nh nh\u00e2n ngh\u0129 r\u1eb1ng h\u1ecd ph\u1ea3i s\u1eed d\u1ee5ng hi\u1ec7u thu\u1ed1c chuy\u00ean khoa \u0111\u01b0\u1ee3c \u01b0u ti\u00ean theo ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a m\u00ecnh:<\/strong> \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng quan ni\u1ec7m sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t. Khi b\u1ec7nh nh\u00e2n \u0111\u0103ng k\u00fd m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m m\u1edbi, h\u1ecd th\u01b0\u1eddng nh\u1eadn \u0111\u01b0\u1ee3c th\u01b0 th\u00f4ng b\u00e1o r\u1eb1ng h\u1ecd <em>ph\u1ea3i<\/em> s\u1eed d\u1ee5ng nh\u00e0 thu\u1ed1c chuy\u00ean khoa \u0111\u01b0\u1ee3c \u01b0u ti\u00ean theo ch\u01b0\u01a1ng tr\u00ecnh. Nhi\u1ec1u ng\u01b0\u1eddi cho r\u1eb1ng \u0111i\u1ec1u n\u00e0y l\u00e0 b\u1eaft bu\u1ed9c v\u00e0 th\u1eadm ch\u00ed c\u00f3 th\u1ec3 y\u00eau c\u1ea7u h\u1ee7y d\u1ecbch v\u1ee5 v\u1edbi nh\u00e0 thu\u1ed1c chuy\u00ean khoa hi\u1ec7n t\u1ea1i \u2014 tin r\u1eb1ng ch\u01b0\u01a1ng tr\u00ecnh c\u1ee7a h\u1ecd &quot;y\u00eau c\u1ea7u&quot; \u0111i\u1ec1u \u0111\u00f3. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y hi\u1ebfm khi x\u1ea3y ra. B\u1ec7nh nh\u00e2n th\u01b0\u1eddng c\u00f3 quy\u1ec1n l\u1ef1a ch\u1ecdn nh\u00e0 thu\u1ed1c chuy\u00ean khoa c\u1ee7a m\u00ecnh v\u00e0 n\u00ean c\u1ea3m th\u1ea5y \u0111\u01b0\u1ee3c trao quy\u1ec1n \u0111\u1ec3 l\u00ean ti\u1ebfng v\u1ec1 vi\u1ec7c h\u1ecd mu\u1ed1n ai cung c\u1ea5p d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c.<\/li>\n\n\n\n<li><strong>M\u1ee9c \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cao cho c\u00e1c li\u1ec7u ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m y t\u1ebf chi tr\u1ea3: <\/strong>Ph\u1ea7n B v\u00e0 chi ph\u00ed \u0111\u1ed3ng chi tr\u1ea3 y t\u1ebf theo ch\u01b0\u01a1ng tr\u00ecnh Medicare Advantage c\u00f3 th\u1ec3 r\u1ea5t l\u1edbn v\u00e0 kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n \u1edf m\u1ee9c 2.400 \u0111\u00f4 la theo Ph\u1ea7n D $. V\u00ed d\u1ee5 nh\u01b0... <strong>\u0110\u1ed3ng b\u1ea3o hi\u1ec3m 50\/50 kh\u00f4ng c\u00f3 m\u1ee9c t\u1ed1i \u0111a:<\/strong> B\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 m\u1ed9t n\u1eeda chi ph\u00ed thu\u1ed1c trong th\u1eddi gian d\u00e0i m\u00e0 kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n chi ti\u00eau.<\/li>\n\n\n\n<li><strong>Kh\u1ea5u tr\u1eeb cao<\/strong>B\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 m\u1ed9t s\u1ed1 chi ph\u00ed tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c. M\u1ee9c kh\u1ea5u tr\u1eeb ti\u00eau chu\u1ea9n n\u0103m 2027 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 Medicare Part D700, m\u1eb7c d\u00f9 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ri\u00eang l\u1ebb c\u00f3 th\u1ec3 c\u00f3 m\u1ee9c kh\u1ea5u tr\u1eeb kh\u00e1c nhau.<\/li>\n\n\n\n<li><strong>C\u00e1c hi\u1ec7u thu\u1ed1c \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ho\u1eb7c b\u1ecb lo\u1ea1i tr\u1eeb:<\/strong> B\u1ea1n c\u00f3 th\u1ec3 bu\u1ed9c ph\u1ea3i \u0111\u1ed5i hi\u1ec7u thu\u1ed1c ho\u1eb7c m\u1ea5t quy\u1ec1n truy c\u1eadp ho\u00e0n to\u00e0n.<\/li>\n\n\n\n<li><strong>S\u1ef1 ch\u1eadm tr\u1ec5 trong vi\u1ec7c ph\u00ea duy\u1ec7t b\u1ea3o hi\u1ec3m ho\u1eb7c c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ecba \u0111i\u1ec3m ch\u0103m s\u00f3c:<\/strong> C\u00e1c b\u01b0\u1edbc b\u1ed5 sung c\u00f3 th\u1ec3 tr\u00ec ho\u00e3n ho\u1eb7c ch\u1eb7n c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb c\u1ea7n th\u1eddi gian g\u1ea5p.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-when-a-higher-premium-makes-sense\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_a_Higher_Premium_Makes_Sense\"><\/span><strong>Khi n\u00e0o m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 \u00fd ngh\u0129a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00f4i khi, tr\u1ea3 nhi\u1ec1u ti\u1ec1n h\u01a1n m\u1ed7i th\u00e1ng s\u1ebd mang l\u1ea1i cho b\u1ea1n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chia s\u1ebb chi ph\u00ed t\u1ed1t h\u01a1n<\/strong> (nh\u01b0 80\/20 thay v\u00ec 50\/50)<\/li>\n\n\n\n<li><strong>\u0110\u1ed3ng b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n<\/strong> \u0111\u1ec3 truy\u1ec1n ho\u1eb7c ti\u00eam<\/li>\n\n\n\n<li><strong>Truy c\u1eadp v\u00e0o hi\u1ec7u thu\u1ed1c chuy\u00ean khoa \u01b0a th\u00edch c\u1ee7a b\u1ea1n<\/strong><\/li>\n\n\n\n<li><strong>Ph\u00ea duy\u1ec7t nhanh h\u01a1n<\/strong> v\u1edbi \u00edt r\u00e0o c\u1ea3n h\u00e0nh ch\u00ednh h\u01a1n<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-key-takeaway\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Takeaway\"><\/span><strong>\u0110i\u1ec3m ch\u00ednh<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng ch\u1ec9 mua h\u00e0ng cao c\u1ea5p. <strong>H\u00e3y xem t\u1ed5ng chi ph\u00ed h\u00e0ng n\u0103m cho li\u1ec7u ph\u00e1p c\u1ee7a b\u1ea1n<\/strong> v\u00e0 ch\u1ecdn m\u1ed9t k\u1ebf ho\u1ea1ch h\u1ed7 tr\u1ee3 li\u1ec7u ph\u00e1p c\u1ee7a b\u1ea1n trong th\u1eddi gian \u0111\u0103ng k\u00fd m\u1edf Medicare, gi\u1ea3m thi\u1ec3u s\u1ef1 ch\u1eadm tr\u1ec5 v\u00e0 gi\u00fap b\u1ea1n c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c chi ph\u00ed c\u00e1 nh\u00e2n.<\/p>\n\n\n\n<h3 id=\"h-3-understand-plan-types\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Understand_Plan_Types\"><\/span><strong>3. Hi\u1ec3u c\u00e1c lo\u1ea1i k\u1ebf ho\u1ea1ch<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t s\u1ed1 ch\u01b0\u01a1ng tr\u00ecnh c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf n\u01a1i b\u1ea1n c\u00f3 th\u1ec3 \u0111i\u1ec1u tr\u1ecb ho\u1eb7c c\u00e1ch thanh to\u00e1n:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Lo\u1ea1i k\u1ebf ho\u1ea1ch<\/strong><\/td><td><strong>Nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft<\/strong><\/td><\/tr><tr><td><strong>HMO<\/strong><\/td><td>Th\u00f4ng th\u01b0\u1eddng, m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 y\u00eau c\u1ea7u c\u00f3 nh\u00e0 cung c\u1ea5p m\u1ea1ng v\u00e0 gi\u1ea5y gi\u1edbi thi\u1ec7u ho\u1eb7c \u1ee7y quy\u1ec1n; c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng.<\/td><\/tr><tr><td><strong>EPO<\/strong><\/td><td>Th\u01b0\u1eddng c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m ngo\u00e0i m\u1ea1ng l\u01b0\u1edbi h\u1ea1n ch\u1ebf, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p; h\u00e3y x\u00e1c nh\u1eadn c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m.<\/td><\/tr><tr><td><strong>PPO<\/strong><\/td><td>Linh ho\u1ea1t h\u01a1n. C\u00f3 th\u1ec3 cho ph\u00e9p ngo\u1ea1i l\u1ec7 v\u1ec1 ch\u0103m s\u00f3c ngo\u00e0i m\u1ea1ng l\u01b0\u1edbi v\u00e0 nh\u00e0 thu\u1ed1c.<\/td><\/tr><tr><td><strong>\u01afu \u0111i\u1ec3m Medicare (Ph\u1ea7n C)<\/strong><\/td><td>M\u1ed9t th\u1ebb d\u00f9ng cho A, B v\u00e0 trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p l\u00e0 D, nh\u01b0ng c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf quy\u1ec1n truy c\u1eadp v\u00e0o c\u00e1c hi\u1ec7u thu\u1ed1c ho\u1eb7c c\u01a1 s\u1edf ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe \u01b0u ti\u00ean.<\/td><\/tr><tr><td><strong>B\u1ea3n g\u1ed1c Medicare + Medigap + Ph\u1ea7n D<\/strong><\/td><td>Th\u01b0\u1eddng ph\u00f9 h\u1ee3p nh\u1ea5t cho c\u00e1c li\u1ec7u ph\u00e1p chuy\u00ean khoa. Medigap chi tr\u1ea3 kho\u1ea3n \u0111\u1ed3ng b\u1ea3o hi\u1ec3m 20% theo Ph\u1ea7n B nh\u01b0ng kh\u00f4ng chi tr\u1ea3 b\u1ea5t k\u1ef3 chi ph\u00ed n\u00e0o theo Ph\u1ea7n D.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 id=\"h-4-confirm-how-your-therapy-is-billed\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Confirm_How_Your_Therapy_Is_Billed\"><\/span><strong>4. X\u00e1c nh\u1eadn c\u00e1ch th\u1ee9c thanh to\u00e1n li\u1ec7u ph\u00e1p c\u1ee7a b\u1ea1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y h\u1ecfi ch\u01b0\u01a1ng tr\u00ecnh xem thu\u1ed1c c\u1ee7a b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c thanh to\u00e1n theo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L\u1ee3i \u00edch c\u1ee7a nh\u00e0 thu\u1ed1c<\/strong> (v\u00ed d\u1ee5, Ph\u1ea7n D ho\u1eb7c hi\u1ec7u thu\u1ed1c th\u01b0\u01a1ng m\u1ea1i):<br>Bao g\u1ed3m h\u1ea7u h\u1ebft <strong>thu\u1ed1c t\u1ef1 d\u00f9ng<\/strong> ho\u1eb7c m\u1ed9t s\u1ed1 lo\u1ea1i thu\u1ed1c \u0111\u1eb7c tr\u1ecb. \u0110\u00f4i khi c\u00f3 s\u1eb5n c\u00e1c l\u1ef1a ch\u1ecdn OON.<\/li>\n\n\n\n<li><strong>L\u1ee3i \u00edch y t\u1ebf<\/strong> (v\u00ed d\u1ee5, Ph\u1ea7n B ho\u1eb7c y t\u1ebf th\u01b0\u01a1ng m\u1ea1i):<br>\u00c1p d\u1ee5ng cho nhi\u1ec1u <strong>li\u1ec7u ph\u00e1p truy\u1ec1n d\u1ecbch<\/strong> nh\u01b0 IVIG, TPN v\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb ung th\u01b0. Quy \u0111\u1ecbnh v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00e1c nhau v\u00e0 c\u00f3 th\u1ec3 y\u00eau c\u1ea7u s\u1eed d\u1ee5ng m\u1ea1ng l\u01b0\u1edbi nghi\u00eam ng\u1eb7t ho\u1eb7c \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n tr\u01b0\u1edbc.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Hi\u1ec3u r\u00f5 c\u00e1ch th\u1ee9c thanh to\u00e1n li\u1ec7u ph\u00e1p c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 gi\u00fap tr\u00e1nh nh\u1eefng b\u1ea5t ng\u1edd v\u1ec1 tr\u1ea1ng th\u00e1i m\u1ea1ng l\u01b0\u1edbi, quy\u1ec1n h\u1ea1n v\u00e0 chi ph\u00ed.<\/p>\n\n\n\n<h2 id=\"h-medicare-what-s-new-in-2027\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Medicare_Whats_New_in_2027\"><\/span>Medicare: C\u00f3 g\u00ec m\u1edbi trong n\u0103m 2027<strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-medicare-part-d-out-of-pocket-cap\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Medicare_Part_D_Out-of-Pocket_Cap\"><\/span><strong>Medicare Part D: M\u0169 b\u1ecf t\u00fai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quy \u0111\u1ecbnh Medicare \u0111\u00e3 \u0111\u01b0a ra m\u1ee9c tr\u1ea7n chi ph\u00ed t\u1ef1 tr\u1ea3 h\u00e0ng n\u0103m cho Ph\u1ea7n D l\u00e0 $2.000 v\u00e0o n\u0103m 2025. M\u1ee9c n\u00e0y t\u0103ng l\u00ean $2.100 v\u00e0o n\u0103m 2026 v\u00e0 s\u1ebd l\u00e0 $2.400 v\u00e0o n\u0103m 2027.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi n\u0103m 2027, ng\u01b0\u1ee1ng chi ph\u00ed t\u1ef1 tr\u1ea3 h\u00e0ng n\u0103m theo Ph\u1ea7n D l\u00e0 $2,400 cho c\u00e1c lo\u1ea1i thu\u1ed1c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo Ph\u1ea7n D. Sau khi \u0111\u1ea1t \u0111\u1ebfn ng\u01b0\u1ee1ng n\u00e0y theo c\u00e1c quy t\u1eafc t\u00ednh to\u00e1n hi\u1ec7n h\u00e0nh c\u1ee7a Ph\u1ea7n D, s\u1ebd kh\u00f4ng c\u00f3 th\u00eam chi ph\u00ed \u0111\u1ed3ng chi tr\u1ea3 n\u00e0o cho c\u00e1c lo\u1ea1i thu\u1ed1c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo Ph\u1ea7n D trong ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a n\u0103m d\u01b0\u01a1ng l\u1ecbch. Ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 thu\u1ed1c kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo Ph\u1ea7n D kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o m\u1ee9c tr\u1ea7n n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u1edbi h\u1ea1n n\u00e0y ch\u1ec9 \u00e1p d\u1ee5ng cho <strong>Thu\u1ed1c Ph\u1ea7n D<\/strong> (kh\u00f4ng ph\u1ea3i truy\u1ec1n d\u1ecbch Ph\u1ea7n B) v\u00e0 gi\u00fap b\u1ec7nh nh\u00e2n \u0111ang \u0111i\u1ec1u tr\u1ecb b\u1eb1ng li\u1ec7u ph\u00e1p t\u1ed1n k\u00e9m d\u1ef1 \u0111o\u00e1n chi ph\u00ed thu\u1ed1c t\u1ed1i \u0111a c\u1ee7a h\u1ecd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1&nbsp;<strong>T\u1ea1i sao \u0111i\u1ec1u n\u00e0y l\u1ea1i quan tr\u1ecdng:<\/strong> Gi\u1edbi h\u1ea1n chi ti\u00eau cho thu\u1ed1c theo toa thu\u1ed9c Ph\u1ea7n D gi\u00fap h\u1ea1n ch\u1ebf chi ph\u00ed thu\u1ed1c \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, nh\u01b0ng kh\u00f4ng gi\u1edbi h\u1ea1n chi ph\u00ed truy\u1ec1n d\u1ecbch ho\u1eb7c c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf kh\u00e1c thu\u1ed9c Ph\u1ea7n B.<\/p>\n\n\n\n<h2 id=\"h-what-to-know-about-the-monthly-payment-plan-smoothing\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_to_Know_About_the_Monthly_Payment_Plan_Smoothing\"><\/span><strong>Nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft v\u1ec1 K\u1ebf ho\u1ea1ch thanh to\u00e1n h\u00e0ng th\u00e1ng (Smoothing)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u01b0\u01a1ng tr\u00ecnh thanh to\u00e1n thu\u1ed1c theo toa Medicare, \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u v\u00e0o n\u0103m 2025, l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ef1 nguy\u1ec7n \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh thu\u1ed1c Medicare. Ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y chia nh\u1ecf chi ph\u00ed thu\u1ed1c theo toa thu\u1ed9c Ph\u1ea7n D \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ra th\u00e0nh c\u00e1c h\u00f3a \u0111\u01a1n h\u00e0ng th\u00e1ng t\u1eeb ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n thay v\u00ec thanh to\u00e1n tr\u1ef1c ti\u1ebfp t\u1ea1i hi\u1ec7u thu\u1ed1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi n\u0103m 2027, ng\u01b0\u1ee1ng chi ph\u00ed t\u1ef1 tr\u1ea3 t\u1ed1i \u0111a cho Ph\u1ea7n D l\u00e0 $2,400. K\u1ebf ho\u1ea1ch thanh to\u00e1n kh\u00f4ng l\u00e0m gi\u1ea3m chi ph\u00ed thu\u1ed1c ho\u1eb7c thay \u0111\u1ed5i m\u1ee9c tr\u1ea7n h\u00e0ng n\u0103m; n\u00f3 ch\u1ec9 thay \u0111\u1ed5i v\u00e0o th\u1eddi \u0111i\u1ec3m b\u1ea1n thanh to\u00e1n. H\u00f3a \u0111\u01a1n h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 thay \u0111\u1ed5i t\u00f9y thu\u1ed9c v\u00e0o chi ph\u00ed thu\u1ed1c theo toa v\u00e0 s\u1ed1 th\u00e1ng c\u00f2n l\u1ea1i trong n\u0103m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c \u0111\u0103ng k\u00fd kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n t\u1ef1 \u0111\u1ed9ng ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 $2,400. B\u1ea1n ch\u1ec9 ph\u1ea3i tr\u1ea3 c\u00e1c kho\u1ea3n \u0111\u1ed3ng chi tr\u1ea3 ph\u1ea7n D th\u1ef1c t\u1ebf m\u00e0 b\u1ea1n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, t\u1ed1i \u0111a \u0111\u1ebfn gi\u1edbi h\u1ea1n h\u00e0ng n\u0103m \u00e1p d\u1ee5ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tr\u01b0\u1edbc khi \u0111\u0103ng k\u00fd tham gia Ch\u01b0\u01a1ng tr\u00ecnh Thanh to\u00e1n Thu\u1ed1c theo \u0110\u01a1n Medicare (MPPP) n\u0103m 2027, h\u00e3y h\u1ecfi nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 y t\u1ebf c\u1ee7a b\u1ea1n xem c\u00f3 l\u1ef1a ch\u1ecdn h\u1ed7 tr\u1ee3 \u0111\u1ed3ng thanh to\u00e1n n\u00e0o kh\u00e1c kh\u00f4ng? Ameripharma c\u00f3 m\u1ed9t \u0111\u1ed9i ng\u0169 chuy\u00ean tr\u00e1ch t\u00ecm ki\u1ebfm c\u00e1c gi\u1ea3i ph\u00e1p h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho vi\u1ec7c ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n.<\/strong> <strong><\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c Tr\u1ee3 c\u1ea5p b\u1ed5 sung ho\u1eb7c c\u00e1c h\u00ecnh th\u1ee9c h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh kh\u00e1c, h\u00e3y h\u1ecfi v\u1ec1 ch\u01b0\u01a1ng tr\u00ecnh v\u00e0 c\u00e1ch th\u1ee9c thanh to\u00e1n v\u00e0 \u0111i\u1ec1u ki\u1ec7n h\u01b0\u1edfng tr\u1ee3 c\u1ea5p t\u01b0\u01a1ng t\u00e1c v\u1edbi nhau. Ng\u01b0\u1eddi h\u01b0\u1edfng l\u1ee3i t\u1eeb ch\u01b0\u01a1ng tr\u00ecnh Medicare th\u01b0\u1eddng kh\u00f4ng th\u1ec3 s\u1eed d\u1ee5ng phi\u1ebfu gi\u1ea3m gi\u00e1 \u0111\u1ed3ng thanh to\u00e1n c\u1ee7a nh\u00e0 s\u1ea3n xu\u1ea5t cho c\u00e1c \u0111\u01a1n thu\u1ed1c \u0111\u01b0\u1ee3c li\u00ean bang chi tr\u1ea3; c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 t\u1eeb thi\u1ec7n \u0111\u1ed9c l\u1eadp c\u00f3 th\u1ec3 c\u00f3 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi \u0111\u0103ng k\u00fd, b\u1ea1n n\u00ean <strong><a href=\"#form\" data-type=\"internal\" data-id=\"#form\">H\u00e3y li\u00ean h\u1ec7 v\u1edbi chuy\u00ean vi\u00ean h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh AmeriPharma.<\/a><\/strong> ng\u01b0\u1eddi c\u00f3 th\u1ec3 h\u01b0\u1edbng d\u1eabn b\u1ea1n c\u00e1ch l\u00e0m m\u1ecbn c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ed5ng chi ph\u00ed c\u1ee7a b\u1ea1n. T\u00f9y thu\u1ed9c v\u00e0o t\u00ecnh h\u00ecnh c\u1ee7a b\u1ea1n, <strong>n\u00f3 c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t<\/strong>.Vi\u1ec7c l\u00e0m ph\u1eb3ng c\u00f3 v\u1ebb h\u1eefu \u00edch, nh\u01b0ng t\u00f9y thu\u1ed9c v\u00e0o ch\u1ea9n \u0111o\u00e1n, thu nh\u1eadp v\u00e0 thu\u1ed1c c\u1ee7a b\u1ea1n, n\u00f3 c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 c\u1ee7a b\u1ea1n\u2014v\u00e0 cu\u1ed1i c\u00f9ng t\u1ed1n k\u00e9m h\u01a1n.<\/p>\n\n\n\n<div  id=\"call-to-action-8531eb3e98c7f051b65bf3f4150812e8\" style=\"\" class=\"ct_call_to_action\">\n\t<div class=\"container\">\n\t\t<div class=\"block-wrap cta\">\n\t\t\t<div class=\"block-column\">\n\t\t\t\t<div class=\"cta_headings\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"cta__heading\">\n\t\t\t\t\t\t\tN\u00f3i chuy\u1ec7n v\u1edbi chuy\u00ean gia ngay h\u00f4m nay\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<span class=\"cta_btn\">\n\t\t\t\t\t\t<a href=\"tel:8777780318,3341\">(877) 778-0318 m\u00e1y l\u1ebb 3341<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<h2 id=\"h-navigating-medicaid\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Navigating_Medicaid\"><\/span><strong>\u0110i\u1ec1u h\u01b0\u1edbng Medicaid<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u00fang t\u00f4i \u1edf \u0111\u00e2y \u0111\u1ec3 gi\u00fap b\u1ea1n tr\u00e1nh tr\u00ec ho\u00e3n \u0111i\u1ec1u tr\u1ecb, t\u00ecm hi\u1ec3u v\u1ec1 c\u00e1c h\u00ecnh th\u1ee9c h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh v\u00e0 \u0111\u01b0a ra nh\u1eefng l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m t\u1ef1 tin cho n\u0103m 2027.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quy \u0111\u1ecbnh v\u1ec1 Medicaid thay \u0111\u1ed5i t\u00f9y theo ti\u1ec3u bang. \u1ede h\u1ea7u h\u1ebft c\u00e1c ti\u1ec3u bang, <strong>Medicaid kh\u00f4ng bao g\u1ed3m c\u00e1c hi\u1ec7u thu\u1ed1c ngo\u00e0i m\u1ea1ng l\u01b0\u1edbi<\/strong>\u2014ngay c\u1ea3 \u0111\u1ed1i v\u1edbi thu\u1ed1c \u0111\u1eb7c tr\u1ecb. Tuy nhi\u00ean:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Medi-Cal (California Medicaid)<\/strong> c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c lo\u1ea1i thu\u1ed1c theo <strong>l\u1ee3i \u00edch c\u1ee7a nh\u00e0 thu\u1ed1c<\/strong>, cho ph\u00e9p linh ho\u1ea1t h\u01a1n.<br><\/li>\n\n\n\n<li><strong>C\u00e1c ti\u1ec3u bang kh\u00e1c:<\/strong> Nh\u00e0 thu\u1ed1c c\u1ee7a ch\u00fang t\u00f4i th\u01b0\u1eddng kh\u00f4ng ch\u1ea5p nh\u1eadn ho\u1eb7c h\u1ea1n ch\u1ebf ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi ch\u00fang t\u00f4i \u0111\u1ec3 ki\u1ec3m tra \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-medicare-tips-for-specialty-patients\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Medicare_Tips_for_Specialty_Patients\"><\/span><strong>M\u1eb9o Medicare d\u00e0nh cho b\u1ec7nh nh\u00e2n chuy\u00ean khoa<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3n g\u1ed1c Medicare + Medigap + Ph\u1ea7n D<\/strong><strong><br><\/strong> Th\u01b0\u1eddng l\u00e0 tr\u1ea3i nghi\u1ec7m m\u01b0\u1ee3t m\u00e0 nh\u1ea5t cho d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c chuy\u00ean khoa. Medigap gi\u00fap chi tr\u1ea3 nh\u1eefng g\u00ec Ph\u1ea7n A &amp; B kh\u00f4ng chi tr\u1ea3, v\u00e0 Ph\u1ea7n D x\u1eed l\u00fd \u0111\u01a1n thu\u1ed1c ngo\u1ea1i tr\u00fa.<br><\/li>\n\n\n\n<li><strong>\u01afu \u0111i\u1ec3m Medicare (Ph\u1ea7n C)<\/strong><strong><br><\/strong> C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y bao g\u1ed3m A, B v\u00e0 D theo m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n. Ch\u00fang c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ph\u00ea duy\u1ec7t tr\u01b0\u1edbc nghi\u00eam ng\u1eb7t h\u01a1n, y\u00eau c\u1ea7u c\u00e1c nh\u00e0 thu\u1ed1c c\u1ee5 th\u1ec3 ho\u1eb7c gi\u1edbi h\u1ea1n \u0111\u1ecba \u0111i\u1ec3m ch\u0103m s\u00f3c c\u1ee7a b\u1ea1n.<br><\/li>\n\n\n\n<li><strong>Medi-Medi (Medicare + Medicaid)<\/strong><strong><br><\/strong> Thi\u1ebft l\u1eadp n\u00e0y c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng t\u1ed1t <strong>n\u1ebfu Medicaid th\u1ef1c s\u1ef1 l\u00e0 th\u1ee9 c\u1ea5p<\/strong>, nh\u01b0ng c\u00e1c quy t\u1eafc b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ph\u00e9p thay \u0111\u1ed5i t\u00f9y theo ti\u1ec3u bang.<br><\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-navigating-employer-amp-marketplace-plans\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Navigating_Employer_Marketplace_Plans\"><\/span><strong>\u0110i\u1ec1u h\u01b0\u1edbng c\u00e1c k\u1ebf ho\u1ea1ch c\u1ee7a nh\u00e0 tuy\u1ec3n d\u1ee5ng v\u00e0 th\u1ecb tr\u01b0\u1eddng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang xem x\u00e9t m\u1ed9t k\u1ebf ho\u1ea1ch t\u1eeb c\u00f4ng ty c\u1ee7a m\u00ecnh ho\u1eb7c ACA Marketplace:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1eaft \u0111\u1ea7u v\u1edbi c\u00f4ng th\u1ee9c:<\/strong> Thu\u1ed1c c\u1ee7a b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng? M\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau? C\u00f3 gi\u1edbi h\u1ea1n PA ho\u1eb7c s\u1ed1 l\u01b0\u1ee3ng kh\u00f4ng?<br><\/li>\n\n\n\n<li><strong>H\u1ecfi v\u1ec1 quy \u0111\u1ecbnh c\u1ee7a nh\u00e0 thu\u1ed1c:<\/strong> M\u1ed9t s\u1ed1 ch\u01b0\u01a1ng tr\u00ecnh y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i s\u1eed d\u1ee5ng m\u1ed9t hi\u1ec7u thu\u1ed1c chuy\u00ean khoa c\u1ee5 th\u1ec3.<br><\/li>\n\n\n\n<li><strong>H\u00e3y ch\u00fa \u00fd:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u0110\u1ed3ng b\u1ea3o hi\u1ec3m 50\/50 kh\u00f4ng gi\u1edbi h\u1ea1n<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Kh\u1ea5u tr\u1eeb cao<\/strong> (l\u00e0m cho l\u1ea7n n\u1ea1p \u0111\u1ea7u ti\u00ean tr\u1edf n\u00ean t\u1ed1n k\u00e9m)<br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>M\u1eb9o:<\/strong> Ngay c\u1ea3 khi m\u1ed9t k\u1ebf ho\u1ea1ch l\u00e0 <strong>ngo\u00e0i m\u1ea1ng<\/strong>, ch\u00fang t\u00f4i v\u1eabn c\u00f3 th\u1ec3 gi\u00fap \u0111\u1ee1\u2014\u0111\u1eb7c bi\u1ec7t n\u1ebfu thu\u1ed1c c\u1ee7a b\u1ea1n \u0111ang \u0111\u01b0\u1ee3c k\u00ea \u0111\u01a1n <strong>l\u1ee3i \u00edch c\u1ee7a nh\u00e0 thu\u1ed1c<\/strong>. V\u1ec1 <strong>98%<\/strong> c\u1ee7a nh\u1eefng b\u1ec7nh nh\u00e2n trong t\u00ecnh hu\u1ed1ng n\u00e0y v\u1eabn \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m khi x\u1eed l\u00fd th\u00f4ng qua thanh to\u00e1n t\u1ea1i nh\u00e0 thu\u1ed1c.<\/p>\n\n\n\n<h2 id=\"h-financial-assistance-how-we-can-help\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financial_Assistance_How_We_Can_Help\"><\/span><strong>H\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh: Ch\u00fang t\u00f4i c\u00f3 th\u1ec3 gi\u00fap g\u00ec<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tr\u1ee3 gi\u00fap t\u1eeb b\u00ean ngo\u00e0i tr\u01b0\u1edbc:<\/strong> Ch\u00fang t\u00f4i t\u00ecm hi\u1ec3u c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed3ng thanh to\u00e1n c\u1ee7a nh\u00e0 s\u1ea3n xu\u1ea5t v\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng d\u00e0nh ri\u00eang cho t\u1eebng b\u1ec7nh.<br><\/li>\n\n\n\n<li><strong>Tr\u1ee3 gi\u00fap n\u1ed9i b\u1ed9 ti\u1ebfp theo:<\/strong> N\u1ebfu kh\u00f4ng c\u00f3 tr\u1ee3 gi\u00fap t\u1eeb b\u00ean ngo\u00e0i, ch\u00fang t\u00f4i s\u1ebd ki\u1ec3m tra c\u00e1c t\u00f9y ch\u1ecdn h\u1ed7 tr\u1ee3 n\u1ed9i b\u1ed9.<br><\/li>\n\n\n\n<li><strong>\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Thu nh\u1eadp h\u1ed9 gia \u0111\u00ecnh<br><\/li>\n\n\n\n<li>Ch\u1ea9n \u0111o\u00e1n<br><\/li>\n\n\n\n<li>Thu\u1ed1c \u0111\u01b0\u1ee3c k\u00ea \u0111\u01a1n<br><\/li>\n\n\n\n<li>Lo\u1ea1i quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m (Ph\u1ea7n B so v\u1edbi Ph\u1ea7n D)<br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Xin vui l\u00f2ng tr\u00e1nh ghi danh v\u00e0o <strong>C\u00e1c g\u00f3i thanh to\u00e1n Medicare Part D<\/strong> (l\u00e0m m\u1ecbn) tr\u01b0\u1edbc khi n\u00f3i chuy\u1ec7n v\u1edbi ch\u00fang t\u00f4i\u2014\u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 ch\u1eb7n quy\u1ec1n truy c\u1eadp v\u00e0o m\u1ed9t s\u1ed1 ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3.<\/p>\n\n\n\n<h2 id=\"h-quick-checklist-before-you-choose-a-plan\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quick_Checklist_Before_You_Choose_a_Plan\"><\/span><strong>Danh s\u00e1ch ki\u1ec3m tra nhanh tr\u01b0\u1edbc khi b\u1ea1n ch\u1ecdn m\u1ed9t g\u00f3i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><input type=\"checkbox\" style=\"min-width:unset;margin-right:10px;\">X\u00e1c nh\u1eadn thu\u1ed1c, li\u1ec1u l\u01b0\u1ee3ng v\u00e0 v\u1ecb tr\u00ed ch\u0103m s\u00f3c c\u1ee7a b\u1ea1n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><input type=\"checkbox\" style=\"min-width:unset;margin-right:10px;\">H\u1ecfi: C\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng? C\u1ea5p \u0111\u1ed9 n\u00e0o? C\u00f3 gi\u1edbi h\u1ea1n ho\u1eb7c quy\u1ec1n h\u1ea1n tr\u01b0\u1edbc \u0111\u00f3 kh\u00f4ng?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><input type=\"checkbox\" style=\"min-width:unset;margin-right:10px;\">H\u1ecfi: T\u00f4i c\u00f3 ph\u1ea3i \u0111\u1ebfn m\u1ed9t hi\u1ec7u thu\u1ed1c c\u1ee5 th\u1ec3 n\u00e0o kh\u00f4ng?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><input type=\"checkbox\" style=\"min-width:unset;margin-right:10px;\">X\u00e1c nh\u1eadn xem n\u00f3 c\u00f3 \u0111\u01b0\u1ee3c l\u1eadp h\u00f3a \u0111\u01a1n kh\u00f4ng <strong>d\u01b0\u1ee3c ph\u1ea9m ho\u1eb7c y t\u1ebf<\/strong> l\u1ee3i \u00edch<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><input type=\"checkbox\" style=\"min-width:unset;margin-right:10px;\">\u01af\u1edbc t\u00ednh t\u1ed5ng chi ph\u00ed: ph\u00ed b\u1ea3o hi\u1ec3m + kh\u1ea5u tr\u1eeb + \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><input type=\"checkbox\" style=\"min-width:unset;margin-right:10px;\">Bi\u1ebft m\u1ee9c gi\u1edbi h\u1ea1n h\u00e0ng n\u0103m c\u1ee7a b\u1ea1n (<strong>$2,100<\/strong> cho Ph\u1ea7n D)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><input type=\"checkbox\" style=\"min-width:unset;margin-right:10px;\">B\u1eaft \u0111\u1ea7u \u1ee7y quy\u1ec1n tr\u01b0\u1edbc s\u1edbm \u0111\u1ec3 tr\u00e1nh kho\u1ea3ng c\u00e1ch \u0111i\u1ec1u tr\u1ecb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><input type=\"checkbox\" style=\"min-width:unset;margin-right:10px;\">H\u1ecfi v\u1ec1 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a nh\u00e0 s\u1ea3n xu\u1ea5t ho\u1eb7c n\u1ec1n t\u1ea3ng<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><input type=\"checkbox\" style=\"min-width:unset;margin-right:10px;\">H\u00e3y g\u1ecdi cho ch\u00fang t\u00f4i tr\u01b0\u1edbc khi \u0111\u0103ng k\u00fd <strong>C\u00e1c k\u1ebf ho\u1ea1ch thanh to\u00e1n Ph\u1ea7n D<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-speak-with-an-insurance-coverage-specialist\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Speak_with_an_Insurance_Coverage_Specialist\"><\/span><strong>N\u00f3i chuy\u1ec7n v\u1edbi Chuy\u00ean gia B\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u00fang t\u00f4i \u1edf \u0111\u00e2y \u0111\u1ec3 gi\u00fap b\u1ea1n xem x\u00e9t ph\u1ea1m vi b\u1ea3o hi\u1ec3m, ki\u1ec3m tra c\u00e1c quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea1n v\u00e0 t\u00ecm hi\u1ec3u nh\u1eefng h\u1ed7 tr\u1ee3 n\u00e0o c\u00f3 th\u1ec3 c\u00f3. Ch\u00fang t\u00f4i c\u0169ng s\u1ebd gi\u00fap b\u1ea1n chu\u1ea9n b\u1ecb cho <strong>ph\u00ea duy\u1ec7t b\u1ea3o hi\u1ec3m<\/strong> \u0111\u1ec3 b\u1ea1n kh\u00f4ng b\u1ecf l\u1ee1 li\u1ec1u n\u00e0o khi ng\u00e0y 1 th\u00e1ng 1 \u0111\u1ebfn \u2014 \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n \u0111ang th\u1ef1c hi\u1ec7n c\u00e1c thay \u0111\u1ed5i trong <strong>Medicare Tuy\u1ec3n sinh m\u1edf<\/strong>.<\/p>\n\n\n\n<div  id=\"call-to-action-512a9ffaaff654bffd42948c74155978\" style=\"\" class=\"ct_call_to_action\">\n\t<div class=\"container\">\n\t\t<div class=\"block-wrap cta\">\n\t\t\t<div class=\"block-column\">\n\t\t\t\t<div class=\"cta_headings\">\n\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"cta__heading\">\n\t\t\t\t\t\t\tG\u1ecdi ngay \u0111\u1ec3 n\u00f3i chuy\u1ec7n v\u1edbi chuy\u00ean gia\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<span class=\"cta_btn\">\n\t\t\t\t\t\t<a href=\"tel:8777780318,3341\">(877) 778-0318 m\u00e1y l\u1ebb 3341<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>N\u1ebfu b\u1ea1n \u0111ang s\u1eed d\u1ee5ng c\u00e1c lo\u1ea1i thu\u1ed1c \u0111\u1eb7c tr\u1ecb nh\u01b0 IVIG, TPN, thu\u1ed1c \u0111i\u1ec1u tr\u1ecb ung th\u01b0 ho\u1eb7c thu\u1ed1c sinh h\u1ecdc, th\u00ec th\u1eddi gian \u0111\u0103ng k\u00fd m\u1edf n\u0103m 2027 l\u00e0 m\u1ed9t trong nh\u1eefng th\u1eddi \u0111i\u1ec3m quan tr\u1ecdng nh\u1ea5t trong n\u0103m \u0111\u1ec3 xem x\u00e9t l\u1ea1i k\u1ebf ho\u1ea1ch b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n.<\/p>","protected":false},"author":32,"featured_media":29690,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[62],"tags":[57],"class_list":["post-29689","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medicare","tag-david-mogote"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>2027 Medicare Open Enrollment Guide: What You Need To Know - AmeriPharma\u00ae Specialty Care<\/title>\n<meta name=\"description\" content=\"Navigate 2027 Medicare Open Enrollment with confidence. 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He was born and raised in Norwalk, CA, and received his degree from Cypress College in 2002. The most rewarding part of his job is helping patients understand their healthcare benefits and seeking the best outcome to assist them with their high out-of-pocket expenses. Mogote has seen the home infusion industry grow from the inside out, and has witnessed the many changes in commercial, government, and private healthcare systems, allowing him to amass a wealth of experience and understanding. 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