Medicare ndi Arthritis: Kodi Chophimbidwa ndi Chiyani Chosakhala?

Zamkati

• Kodi ndalama zonse za nyamakazi zimaphimbidwa?
• Kodi Medicare imaphimba nyamakazi ya nyamakazi?
• Nanga bwanji m'malo olowa m'malo?
• Zowonjezera ku Medicare
• Yambani ndi dokotala wanu
• Tengera kwina

Medicare Yoyambirira (magawo A ndi B) idzafotokoza ntchito ndi zoperekera chithandizo cha matenda a nyamakazi ngati dokotala wanu wazindikira kuti ndizofunikira kuchipatala.

Osteoarthritis ndiye nyamakazi yodziwika kwambiri. Amadziwika ndi kuvala pamatenda omwe amalumikizana. Cartilage akavala, zimatha kukhudzana ndi fupa ndi fupa polumikizana. Izi zitha kubweretsa kuwawa, kuuma, ndi kutupa.

Pemphani kuti muphunzire za kufalikira kwa nyamakazi ndi mitundu ina ya nyamakazi.

Kodi ndalama zonse za nyamakazi zimaphimbidwa?

Yankho lophweka ndi: ayi. Pali zolipira zomwe mungakhale nazo.

Ngati muli ndi Medicare Part B (inshuwaransi ya zamankhwala), mosakayikira mumalipira ndalama pamwezi. Mu 2021, kwa anthu ambiri ndalamazo ndi $ 148.50. Mu 2021, mwina mudzalipira $ 203 pachaka chanu cha Gawo B chapachaka. Mukachotsa ndalama, mumalipira ndalama zokwana 20% za ndalama zovomerezeka ndi Medicare:

• madokotala ambiri (kuphatikizapo wodwala wodwala kuchipatala)
• chithandizo chamankhwala akunja
• zida zachipatala zolimba, monga kuyenda kapena chikuku

Medicare sichidzaphimba mankhwala owonjezera (OTC) omwe dokotala angakulimbikitseni pakuwongolera zizindikiritso za mafupa, monga:

• acetaminophen (Tylenol)
• OTC NSAIDs (Nonsteroidal anti-inflammatory drugs) monga naproxen sodium (Aleve) ndi ibuprofen (Motrin)

Kodi Medicare imaphimba nyamakazi ya nyamakazi?

Matenda a nyamakazi (RA) ndimatenda omwe amayambitsa kutupa kowawa (kutupa). Imagunda malumikizowo, nthawi zambiri nthawi zambiri.

Medicare Yoyambirira (magawo A ndi B) atha kulipira chithandizo cha RA ngati ntchito yosamalira odwala. Kupititsa patsogolo chisamaliro chosatha kumafuna kuti mukhale ndi zovuta ziwiri kapena zazikulu zomwe dokotala akuyembekeza kuti zizikhala chaka chimodzi, monga:

• nyamakazi
• matenda amtima
• matenda ashuga
• mphumu
• matenda oopsa

Monga momwe zimathandizira ndi zochiritsira zina, kuyembekezerani ndalama zakuthumba, monga gawo la Gawo B ndi ma copay.

Nanga bwanji m'malo olowa m'malo?

Ngati nyamakazi yanu yapita patsogolo mpaka dokotala atamva kuti opaleshoni yothandizana nayo ndiyofunika kuchipatala, Medicare mbali A ndi B zidzalipira ndalama zambiri, kuphatikizapo zina mwazomwe mumachira.

Mofanana ndi chithandizo china, mutha kukhala ndi ndalama zotuluka munthumba, monga gawo la Gawo B ndi ma copay.

Zowonjezera ku Medicare

Mutha kugula inshuwaransi kumakampani abizinesi omwe angakwaniritse zina, ndipo mwina zonse, pazowonjezera zomwe simunapeze ndi Medicare yoyambirira, monga:

• Kusinkhasinkha. Medigap ndi inshuwaransi yowonjezera yomwe imatha kuthandizira kulipira ndalama, ndalama zowonongera ndalama, komanso kuchotsera ndalama.
• Medicare Gawo C (Medicare Advantage). Madongosolo a Medicare Advantage ali ngati PPO kapena HMO yomwe imapereka magawo anu A ndi B kuphatikiza phindu lina. Ambiri amaphatikizapo Medicare Part D ndipo ambiri amapereka zowonjezera monga mano, masomphenya, kumva, ndi mapulogalamu azaumoyo. Simungakhale nawo onse a Medigap ndi Gawo C, muyenera kusankha chimodzi kapena chimzake.
• Medicare Gawo D. Mapulani a mankhwala a Medicare Part D amalipira zonse kapena gawo la mtengo wa mankhwala. Si mankhwala onse omwe amaphimbidwa, chifukwa chake ndibwino kutsimikizira kufalitsa ndikufunsa za mankhwala ena, monga mitundu ya generic, kuti tipewe ndalama zosayembekezereka.

Yambani ndi dokotala wanu

Gawo loyamba ndikuwonetsetsa kuti dokotala akulandira Medicare kapena, ngati mwagula Medicare Part C, kuti dokotala wanu akukonzekera.

Kambiranani zachipatala ndi zamankhwala zomwe zingalimbikitsidwe ndi dokotala kuti muwone ngati zakonzedwa ndi Medicare yanu kapena ngati pali zina zomwe mungafune kuziganizira.

Chithandizo chitha kuphatikizira zina kapena izi:

• mankhwala (OTC ndi mankhwala)
• opaleshoni
• chithandizo (mwakuthupi ndi pantchito)
• zida (nzimbe, woyenda)

Tengera kwina

• Medicare yapachiyambi idzafotokoza zofunikira pazithandizo zamankhwala ndi zina zothandizira kuchiza nyamakazi, kuphatikiza opaleshoni yamagulu.
• Pali zolipira kunja kwa thumba zomwe sizinaperekedwe ndi Medicare yoyambirira. Kutengera zosowa zanu, kungakhale kopindulitsa kufufuza zomwe mungachite kuti mugwirizane ndi kufalitsa kwanu kwa Medicare, monga:
  • Medigap (Medicare yowonjezera inshuwaransi)
  • Medicare Gawo C (Medicare Advantage)
  • Medicare Part D (Kuphunzira mankhwala osokoneza bongo)

Nkhaniyi idasinthidwa pa Novembala 20, 2020, kuti iwonetse zambiri za 2021 Medicare.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.