{"id":1297,"date":"2025-08-11T20:40:08","date_gmt":"2025-08-11T20:40:08","guid":{"rendered":"https:\/\/integritywound.net\/?p=1297"},"modified":"2025-08-11T20:49:18","modified_gmt":"2025-08-11T20:49:18","slug":"how-some-seniors-get-0-medicare-without-the-downsides-of-medicare-advantage-thanks-to-qmb","status":"publish","type":"post","link":"https:\/\/integritywound.net\/es\/blog\/how-some-seniors-get-0-medicare-without-the-downsides-of-medicare-advantage-thanks-to-qmb\/","title":{"rendered":"C\u00f3mo algunos adultos mayores obtienen Medicare a $0 sin las desventajas de Medicare Advantage, gracias a QMB"},"content":{"rendered":"<p>Muchas personas mayores creen que la \u00fanica manera de obtener Medicare sin costo es inscribi\u00e9ndose en un plan de Medicare Advantage. Lo escuchamos constantemente: nos llaman para pedir atenci\u00f3n, pero su plan no cubre los tratamientos avanzados para heridas que ofrecemos. Son pacientes que desean sanar, pero las normas de su seguro se lo impiden.<\/p>\n\n\n\n<p>Existe otra opci\u00f3n que la mayor\u00eda de la gente desconoce. El programa QMB puede cubrir sus costos de Medicare, incluyendo primas, deducibles y copagos, a la vez que le permite mantener la libertad y la cobertura del Medicare tradicional. Esta publicaci\u00f3n explica qu\u00e9 es QMB, qui\u00e9n califica y por qu\u00e9 podr\u00eda ser una mejor opci\u00f3n que Medicare Advantage para muchas personas en nuestra comunidad.<\/p>\n\n\n\n<p>Todos hemos visto los comerciales: \"\u00a1Obtenga cobertura de Medicare por $0 al mes!\". Suena genial, pero hay una trampa. Esos anuncios suelen ser para planes de <strong>Medicare Advantage<\/strong> administrados por compa\u00f1\u00edas de seguros privadas.<\/p>\n\n\n\n<p>Lo que no te dicen es que la gratuidad puede conllevar costos ocultos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Redes m\u00e9dicas limitadas<\/li>\n\n\n\n<li>Retrasos en la atenci\u00f3n, debido a la autorizaci\u00f3n previa<\/li>\n\n\n\n<li>Reglas que pueden cambiar cada a\u00f1o<\/li>\n<\/ul>\n\n\n\n<p>\u00bfLa buena noticia? <strong>Puedes tener Medicare Tradicional, elegir tus m\u00e9dicos, evitar tr\u00e1mites burocr\u00e1ticos y aun as\u00ed pagar $0 en primas, deducibles y la mayor\u00eda de los copagos<\/strong> si calificas para un programa llamado <strong>QMB<\/strong>.<\/p>\n\n\n\n<p><strong>\u00bfQu\u00e9 es QMB y c\u00f3mo funciona?<\/strong><\/p>\n\n\n\n<p>El <strong>programa de Beneficiario Calificado de Medicare (QMB)<\/strong> est\u00e1 a cargo del programa de Medicaid de su estado, pero no es necesario tener cobertura completa de Medicaid para calificar. Incluso si nunca ha tenido Medicaid, podr\u00eda obtener QMB para ayudarle a pagar sus costos de Medicare.<\/p>\n\n\n\n<p>Si califica, QMB:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagar\u00e1 su prima de la Parte A de Medicare (si tiene una, la mayor\u00eda de las personas no la tienen)<\/li>\n\n\n\n<li>Pagar\u00e1 su prima de la Parte B de Medicare<\/li>\n\n\n\n<li>Cubrir\u00e1 todos los deducibles, copagos y coseguros de Medicare para que no tenga que pagar el 20% de desembolso personal habitual<\/li>\n<\/ul>\n\n\n\n<p>Y aqu\u00ed est\u00e1 la gran ventaja: si tambi\u00e9n califica para la <strong>Ayuda Adicional<\/strong> (que muchos beneficiarios de QMB reciben autom\u00e1ticamente), sus primas de medicamentos recetados de la <strong>Parte D, deducibles y la mayor\u00eda de los copagos tambi\u00e9n<\/strong> estar\u00e1n cubiertos.<\/p>\n\n\n\n<p><strong>Medicare Advantage \u201cGratis\u201d vs. Medicare Tradicional + QMB<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Caracter\u00edstica<\/th><th>Medicare Advantage &#8220;$0 Plan&#8221;<\/th><th>Medicare Tradicional + QMB<\/th><\/tr><\/thead><tbody><tr><td>Elecci\u00f3n de m\u00e9dico:<\/td><td>Limitado a la red del plan<\/td><td>Cualquier m\u00e9dico que acepte Medicare<\/td><\/tr><tr><td>Autorizaci\u00f3n previa<\/td><td>Con frecuencia requerida<\/td><td>Rara vez requerida<\/td><\/tr><tr><td>Cambios anuales del plan<\/td><td>S\u00ed<\/td><td>No, las reglas de Medicare se mantienen igual<\/td><\/tr><tr><td>Costos de bolsillo<\/td><td>Copagos, coseguro y deducibles<\/td><td>$0 por servicios cubiertos<\/td><\/tr><tr><td>Cobertura de medicamentos recetados<\/td><td>Incluida, pero puede tener restricciones<\/td><td>Cubierta con la Parte D + Ayuda Adicional<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u00bfPor qu\u00e9 esto es importante para las personas mayores en El Paso?<\/strong><\/p>\n\n\n\n<p>En nuestra comunidad, a muchos adultos mayores se les convence de unirse a Medicare Advantage por el precio de $0, sin darse cuenta de que podr\u00edan perder el acceso a sus m\u00e9dicos o enfrentar retrasos en la atenci\u00f3n.<\/p>\n\n\n\n<p>QMB ofrece una opci\u00f3n diferente: <strong>conserva la flexibilidad de Medicare Tradicional y a\u00fan no paga nada por la mayor\u00eda de los servicios.<\/strong>Esto significa:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sin facturas sorpresa por la atenci\u00f3n m\u00e9dica cubierta<\/li>\n\n\n\n<li>Sin peleas con el seguro por autorizaciones previas<\/li>\n\n\n\n<li>Libertad para elegir a su m\u00e9dico o especialista<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00bfC\u00f3mo saber si califica?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Llame a Salud y Servicios Humanos de Texas<\/strong> al 2-1-1 y pregunte sobre el programa QMB.<\/li>\n\n\n\n<li>Visite la p\u00e1gina de Programas de Ahorros de Medicare de HHS de Texas para solicitarlo.<\/li>\n\n\n\n<li>Si no sabe por d\u00f3nde empezar, ll\u00e1menos a Integrity Wound Care. Podemos ayudarle a encontrar la mejor opci\u00f3n.<\/li>\n<\/ol>\n\n\n\n<p><strong>En resumen:<\/strong> No necesitas Medicare Advantage para obtener una cobertura de Medicare sin costo. Con QMB, puedes disfrutar de todos los beneficios de Medicare tradicional, mantener tus m\u00e9dicos y evitar los problemas de un seguro privado.<\/p>\n\n\n\n<p><strong>No te conformes con lo \"gratis\" y sus condiciones, disfruta de la libertad.<\/strong><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Many seniors think the only way to get $0 Medicare is by signing up for a Medicare Advantage plan. We hear it all the time, people call us needing care, but their plan does not cover the advanced wound treatments we provide. These are patients who want to heal, but their insurance rules stand in [&hellip;]<\/p>","protected":false},"author":1,"featured_media":1299,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Some Seniors Get $0 Medicare Without the Downsides of Medicare Advantage, Thanks to QMB - Integrity Wound Care<\/title>\n<meta name=\"description\" content=\"Think Medicare Advantage is the only way to get $0 coverage? In Texas, the QMB program can pay your Medicare premiums, deductibles, and copays \u2014 while keeping your choice of doctors. 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