Ib qho kev tshawb nrhiav tsis ntev los no ntawm InsureMyTrip qhia tau tias cov neeg As Mes Lis Kas coob leej tsis paub meej txog seb lawv puas raug them rau kev kho mob thaum mus txawv tebchaws sab nraud.
Yog tias ib tus neeg Amelikas raug mob loj lossis raug mob nyob sab nraud, tus kws lis haujlwm hauv koos haum hauv tebchaws Asmeskas lossis tus neeg tsim muaj ntawv pom zoo tuaj yeem pab nrhiav chaw kho mob thiab qhia rau koj tsev neeg lossis cov phooj ywg.
Tab sis kev them nqi ntawm tsev kho mob thiab lwm cov nuj nqis yog tus neeg mob lub luag haujlwm.
Hauv InsureMyTrip cov lus nug ntawm 800 cov neeg teb, ze li ib feem peb tsis paub hais tias seb lawv tus kws kho mob hauv tsev puas yuav them rau cov kws kho mob lossis tsev kho mob nyob sab nraum Teb Chaws Asmeskas Nees Nes Xya 9 feem pua ntseeg tias lawv cov ntawv tuav pov hwm them nqi, txawm 34 feem pua xav tias lawv qhov kev pabcuam.
Cov theem kev them nqi kho mob muaj nyob rau txawv teb chaws tuaj yeem sib txawv, nyob ntawm koj tus kws kho mob thiab lub hom phiaj. Cov koom haum pab kas phais loj tshaj xws li Blue Cross thiab Blue Shield, Cigna, Aetna yuav muab qee qhov xwm txheej ceev thiab kev kho mob ceev nrooj txawv teb chaws tab sis lub ntsiab lus ntawm qhov xwm ceev yuav txawv.
Taug kev nrog niam tais yawm txiv? Medicare yuav tsis tshua them them rau cov neeg mob hauv tsev kho mob, kev mus ntsib kws kho mob, lossis kev pab kho mob hauv lub teb chaws txawv teb chaws. Puerto Rico, Teb Chaws Asmeskas Cov Tuam Tsev Xeev, Guam, Northern Mariana Islands, thiab Asmeskas Samoa yog ib feem ntawm Tebchaws Meskas.
Yog tias ib tug neeg hauv koj lub tebchaws tau koom rau hauv Medicare, nws yuav muaj peev xwm yuav ib qho cai Medigap yuav them rau kev khomob xwmtxheej ceev tau txais nyob sab nraum Teb Chaws Asmeskas. Txoj cai no tau them 80 feem pua ntawm cov nqi tsub rau kev pabcuam thaum muaj kev kub ntxhov nyob sab nraum Teb Chaws Asmeskas tom qab sib tham txog $ 250 txhua lub xyoo. Medigap cov kev pabcuam muaj kev txwv ntawm $ 50,000.
Yuav Tiv Thauj Koj Tus Neeg Sawv Cev Kev Noj Qab Haus Huv
Tib txoj kev paub kom paub tseeb tias koj cov ntawv tuav pov hwm kev noj qab haus huv zoo li yog nug. Ua ntej koj tawm mus ncig ua si txawv tebchaws, hu rau koj lub chaw pabcuam kev mob nkeeg thiab thov saib xyuas koj daim ntawv povthawj txog kev fajseeb khomob rau kev piav qhia ntawm cov nyiaj pab. Ntawm no yog yim nug:
- Kuv tuaj yeem nrhiav tau cov tsev kho mob thiab kws kho mob pom zoo nyob hauv kuv lub hom phiaj? Thaum xaiv ib tus kws kho mob, nco ntsoov tias nws yuav hais tau koj yam lus.
- Kuv cov ntawv kho mob puas them rau kev kho mob ceev nrooj xws li rov qab los rau Tebchaws Meskas vim yog kuv mob hnyav? Tsum paub hais tias muaj ntau tus neeg tuav pov hwm kos ib txoj kab ntawm "kev kho mob ceev ceev" thiab "kev saib xyuas thaum muaj xwm ceev." uas yog hais txog tshwj xeeb rau lub neej-lossis txoj kev tsim txom.
- Kuv qhov is-saws-las puas them rau cov kev ua haujlwm uas muaj feem cuam tshuam xws li parasailing, mountain climbing, scuba diving thiab off-roading?
- Kuv txoj cai tswjfwm puas muaj cov xwm txheej ua ntej?
- Kuv lub tuam txhab pov hwm puas yuav tsum tau tso cai ua ntej lossis ob lub tswv yim ua ntej kev kho mob thaum muaj xwm ceev pib?
- Kuv lub tuam txhab muag kev pov hwm lav kho mob them rau txawv teb chaws?
- Kuv lub tuam txhab pov hwm puas them ncaj qha txawv teb chaws thiab cov kws kho mob sab nraud?
- Kuv lub tuam txhab pab kas phais puas muaj kev pabcuam 24-thooj?
Yog tias koj cov ntawv tuav pov hwm kho mob muab kev pab them rau sab nraum Teb Chaws Asmeskas, nco ntsoov sau koj daim ntawv pov hwm tus kheej daim npav ID, tus xov tooj pabcuam tus xov tooj, thiab daim ntawv foos.
Ntau lub tuam txhab kev tuav pov hwm mob nkeeg yuav them cov nqi kho mob "txawv thiab tsim nyog" nyob txawv teb chaws, tab sis US State Department ceeb toom tias tsawg tsawg lub tuam txhab pab kas phais pov hwm them kho mob them nqi kho mob rov qab rau Tebchaws Meskas, uas tuaj yeem them tus nqi nce mus txog $ 100,000, nyob ntawm koj tus qhov mob thiab qhov chaw.
Yog tias koj muaj teeb meem kev mob nkeeg yav dhau los, koj yuav tsum nqa ib daim ntawv los ntawm koj tus kws kho mob, piav qhia txog kev kho mob thiab cov ntawv sau tshuaj, nrog rau lub npe ntawm cov tshuaj kws kho mob. Tso tawm cov tshuaj koj nqa hauv lawv lub thawv yuavtsum, qhia meej meej. Nco ntsoov xyuas nrog lub teb chaws txawv teb chaws ntawm lub teb chaws uas koj tuaj ncig xyuas los yog kev hloov tsheb kom paub tseeb tias koj cov tshuaj tsis raug txiav yeeb tshuaj txhaum cai hauv lub tebchaws.
Rau ntau cov teeb meem kev kho mob hnub so, xav txog Dr. Phil tus kws kho mob ntawm Xav tau app, uas cia koj yees duab tham nrog ib tus kws kho mob rau tus nqi siab $ 40.