Kodi Medicare Imabisala Opaleshoni?
Zamkati
- Kuphimbidwa kwa Medicare kwa opaleshoni yam'mbuyo
- Medicare Part A (inshuwaransi ya chipatala)
- Medicare Part B (inshuwaransi ya zamankhwala)
- Kodi opaleshoni yam'mbuyo imawononga ndalama zingati ndi Medicare?
- Zitsanzo za ndalama zam'mbuyo zam'mbuyo
- Kodi Medicare imaphimba mitundu yonse ya opaleshoni yam'mbuyo?
- Tengera kwina
Ngati opaleshoni yanu yam'mbuyo ikuwoneka kuti ndi yofunikira ndi dokotala, Medicare yoyambirira (Gawo A ndi Gawo B) imayiphimba.
Ngati mukumva kupweteka kwakumbuyo, lankhulani ndi dokotala wanu za chithandizo chamankhwala chomwe chingaphatikizepo:
- matenda
- mankhwala
- chithandizo chamankhwala
- opaleshoni
Amatha kukudziwitsani chifukwa chake akuwona kuti njirazi ndizofunikira komanso ngati ataphimbidwa ndi Medicare.
Kuphimbidwa kwa Medicare kwa opaleshoni yam'mbuyo
Kuphunzira kwa Medicare kwa opareshoni yakumbuyo kumawonekera pazithunzi za maopaleshoni ena ofunikira, kugona kuchipatala, ndi kutsatira.
Medicare Part A (inshuwaransi ya chipatala)
Medicare Gawo A imafotokoza za chisamaliro cha kuchipatala, kupereka izi:
- chipatala chimalandira Medicare
- mumalandilidwa malinga ndi lamulo la dokotala wosonyeza kuti mukufunika chisamaliro cha kuchipatala
Mungafunike kuvomerezedwa kuti mukakhale kuchipatala kuchokera ku Komiti Yoyeserera Yogwiritsira Ntchito Chipatala.
Kupezeka kwa chithandizo chamankhwala kuchipatala kumaphatikizapo:
- zipinda zapadera (chipinda chapayokha pokhapokha pakafunika zamankhwala)
- unamwino wamba (osati unamwino wapadera)
- chakudya
- mankhwala (monga gawo la mankhwala opatsirana)
- ntchito ndi zipatala (osati zinthu zosamalira anthu monga zotsekemera kapena malezala)
Medicare Part B (inshuwaransi ya zamankhwala)
Medicare Gawo B imafotokoza zamankhwala zomwe dokotala amakuchitirani mukakhala kuchipatala komanso kuchipatala mukamatulutsidwa kuchipatala.Inshuwaransi ina, monga Medicare Supplement plans (Medigap), Medicare Part D (mankhwala akuchipatala), kapena mapulani a Medicare Advantage amapezeka kwa inu mukamayenerera Medicare.
Ngati muli ndi inshuwaransi yowonjezerayi limodzi ndi Medicare, izi zidzakhudza mtengo womwe mumalipira pochitidwa opaleshoni yam'mbuyo ndikuchira.
Kodi opaleshoni yam'mbuyo imawononga ndalama zingati ndi Medicare?
Ndizovuta kudziwa mitengo yake isanakwane opareshoni yam'mbuyo, chifukwa mautumiki omwe mungafunike sakudziwika. Mwachitsanzo, mungafunike tsiku lina kuchipatala kupitirira zomwe zidanenedweratu.
Kuwerengera mtengo wanu:
- Funsani dokotala ndi chipatala kuti akuganiza kuti mudzalipira ndalama zingati mukamachitidwa opareshoni ndi kutsatira chithandizo. Onani ngati pali ntchito zomwe zikulimbikitsidwa kuti Medicare isaphimbe.
- Ngati muli ndi inshuwaransi ina, monga mfundo za Medigap, alumikizane nawo kuti muwone gawo la ndalama zomwe azilipira komanso zomwe akuganiza kuti mudzayenera kulipira.
- Fufuzani akaunti yanu ya Medicare (MyMedicare.gov) kuti muwone ngati mwakumana ndi gawo lanu la Part A ndi Part B.
Gome ili limapereka chitsanzo cha zomwe zingachitike:
| Kuphunzira | Zomwe zingachitike |
| Gawo la Medicare Deductible | $ 1,408 mu 2020 |
| Medicare Gawo B limachotsedwa | $ 198 mu 2020 |
| Chithandizo cha Medicare Part B | pafupifupi 20% ya ndalama zovomerezeka ndi Medicare |
Medicare Part A coinsurance ndi $ 0 masiku 1 mpaka 60 pa phindu lililonse.
Zitsanzo za ndalama zam'mbuyo zam'mbuyo
Tsamba la Medicare.gov limapangitsa mitengo yazinthu zina kupezeka. Mitengoyi siyikuphatikiza chindapusa cha kuchipatala ndipo imachokera ku ma Medicare a dziko lonse kuchokera ku 2019.
Gome ili likhoza kukuwonetsani zomwe mungalipire zina mwazomwe mukuchita pochita opaleshoni kumbuyo kwanu.
| Ndondomeko | Mtengo wapakati |
| Kusokoneza | Mtengo wapakati wa diskectomy (aspiration of lower spine disc, wopezeka kudzera pakhungu) kuchipatala cha odwala kuchipatala ndi $ 4,566 pomwe Medicare amalipira $ 3,652 ndipo wodwalayo amalipira $ 913. |
| Laminectomy | Mtengo wapakati wa laminectomy (kuchotsa pang'ono fupa ndikutulutsa msana wamtsempha kapena misana ya 1 interspace m'munsi mwa msana) kuchipatala cha odwala kuchipatala ndi $ 5,699 pomwe Medicare amalipira $ 4,559 ndipo wodwalayo amalipira $ 1,139. |
| Kusakanikirana kwa msana | Mtengo wapakati wa kusakanikirana kwa msana (kuphatikiza ma vertebrae awiri kapena kupitilira apo kuti achiritse fupa limodzi, lolimba) kuchipatala cha odwala kuchipatala ndi $ 764 pomwe Medicare amalipira $ 611 ndipo wodwalayo akulipira $ 152. |
Kodi Medicare imaphimba mitundu yonse ya opaleshoni yam'mbuyo?
Ngakhale Medicare nthawi zambiri imakhudza opaleshoni yofunikira, pitani ndi dokotala kuti mutsimikize kuti Medicare imakhudza mtundu wa opareshoni yomwe akuyamikiridwa.
Mitundu yodziwika ya opaleshoni yam'mbuyo imaphatikizapo:
- kusokoneza
- msana laminectomy / kupsinjika kwa msana
- vertebroplasty ndi kyphoplasty
- kupanikizika kwa plasma / plasma disk
- chithira
- kusakanikirana kwa msana
- zimbale yokumba
Tengera kwina
Ngati dokotala akuwonetsa kuti opaleshoni yam'mbuyo ndiyofunikira kuchipatala kwa inu, nthawi zambiri imaphimbidwa ndi Medicare yoyambirira (Gawo A ndi Gawo B).
Kuzindikira kuchuluka kwa opaleshoni yam'mbuyo kumakulipirani pambuyo pobweza Medicare ndizovuta chifukwa ntchito zomwe mudzapeze sizikudziwika.
Dokotala wanu ndi chipatala ayenera kukhala okhoza kupereka ziyerekezo zina zamaphunziro.
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.
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