Kuunika Khansa ndi Medicare: Kodi Mwaphimbika?

Zamkati

• Mammogram yowunika khansa ya m'mawere
• Kuwonetsetsa kwa khansa yoyipa
• Kujambula colonoscopy
• Kuyesa kwamatsenga kwamatsenga
• Zoyezetsa zingapo za labu ya DNA
• Pap kuyesa kuyezetsa khansa ya pachibelekero
• Kuyeza kwa khansa ya prostate
• Kuwonetsetsa kwa khansa ya m'mapapo
• Kutenga

Medicare imakhudza mayeso ambiri owunika omwe amagwiritsidwa ntchito kuthandizira kuzindikira khansa, kuphatikiza:

• kuyezetsa khansa ya m'mawere
• kuyezetsa khansa yoyipa
• Kuunika khansa ya pachibelekero
• Kuwonetsa khansa ya prostate
• Kuunika khansa yamapapu

Gawo lanu loyamba ndikulankhula ndi dokotala za chiopsezo chanu cha khansa komanso mayeso aliwonse omwe mungafune. Dokotala wanu akhoza kukudziwitsani ngati Medicare ikufotokoza mayeso omwe adavomerezedwa.

Mammogram yowunika khansa ya m'mawere

Amayi onse azaka 40 zakubadwa amatetezedwa kwa mammogram imodzi miyezi 12 iliyonse pansi pa Medicare Part B. Ngati muli ndi zaka zapakati pa 35 ndi 39 komanso pa Medicare, mammogram imodzi yoyambira imaphimbidwa.

Ngati dokotala angavomereze ntchitoyi, mayeserowa sangakupatseni ndalama. Kulandira ntchitoyi kumatanthauza kuti dokotala akuvomereza kuti avomereza ndalama zovomerezeka za Medicare kuti ziyesedwe ngati kulipira kwathunthu.

Ngati dokotala akuwona kuti kuyezetsa kwanu ndikofunikira kuchipatala, mammograms owunika amapezeka ndi Medicare Part B. Gawo B deductible limagwira, ndipo Medicare amalipira 80 peresenti ya ndalama zovomerezeka.

Kuwonetsetsa kwa khansa yoyipa

Ndi malangizo apadera, Medicare imafotokoza:

• Kujambula colonoscopy
• fecal kuyezetsa magazi
• Mipikisano chandamale chopondapo mayesero labu DNA

Pitilizani kuwerenga kuti mumve zambiri pakuwunika kulikonse.

Kujambula colonoscopy

Ngati muli pachiwopsezo chachikulu cha khansa yoyipa ndipo muli ndi Medicare, mumayang'aniridwa ndi colonoscopy kamodzi pa miyezi 24 iliyonse.

Ngati simuli pachiwopsezo chachikulu cha khansa yamiyala, mayeso amayesedwa kamodzi pakatha miyezi 120, kapena zaka 10 zilizonse.

Palibe zaka zochepa ndipo ngati dokotala angavomereze ntchitoyi, mayeserowa sangakulipireni kalikonse.

Kuyesa kwamatsenga kwamatsenga

Ngati muli ndi zaka 50 kapena kupitilira ndi Medicare, mutha kuphimbidwa kukayezetsa magazi kwamatsenga kamodzi kuti muwonetse khansa yamtundu uliwonse miyezi 12 iliyonse.

Ngati dokotala angavomereze ntchitoyi, mayeserowa sangakupatseni ndalama.

Zoyezetsa zingapo za labu ya DNA

Ngati muli ndi zaka 50 mpaka 85 ndipo muli ndi Medicare, zoyeserera zingapo za labu za DNA zimaphimbidwa kamodzi zaka zitatu zilizonse. Muyenera kukwaniritsa zina mwazinthu monga:

• muli pachiwopsezo chachikulu cha khansa yoyipa
• mulibe zizindikiro za matenda amtundu

Ngati dokotala angavomereze ntchitoyi, mayeserowa sangakupatseni ndalama.

Pap kuyesa kuyezetsa khansa ya pachibelekero

Ngati muli ndi Medicare, mayeso a Pap ndi mayeso a m'chiuno amapangidwa miyezi 24 iliyonse ndi Medicare Part B. Kuyesedwa kwa mawere azachipatala kuti muwone ngati ali ndi khansa ya m'mawere kumaphatikizidwa ngati gawo la mayeso amchiuno.

Mutha kuphimbidwa kukayezetsa miyezi 12 iliyonse ngati:

• muli pachiwopsezo chachikulu cha khansa yakunyini kapena khomo lachiberekero
• ndinu a msinkhu wobereka ndipo mwayesedwa Pap mosazolowereka m'miyezi 36 yapitayi.

Ngati muli ndi zaka 30 mpaka 65, mayeso a papillomavirus (HPV) amaphatikizidwa ngati gawo la mayeso a Pap zaka zisanu zilizonse, nawonso.

Ngati dokotala angavomereze ntchitoyi, mayeserowa sangakupatseni ndalama.

Kuyeza kwa khansa ya prostate

Mayeso a magazi a Prostate-antigen (PSA) ndi mayeso a digito (DRE) amafotokozedwa ndi Medicare Part B kamodzi pamiyezi 12 mwa anthu azaka 50 kapena kupitilira apo.

Ngati dokotalayo avomera ntchitoyi, mayeso a PSA apachaka sadzakulipirani kalikonse. Kwa DRE, Gawo B deductible limagwira, ndipo Medicare ilipira 80 peresenti ya ndalama zovomerezeka.

Kuwonetsetsa kwa khansa ya m'mapapo

Ngati muli ndi zaka 55 mpaka 77, kuyezetsa khansa ya m'mapapo ya low-computed tomography (LDCT) kumayang'aniridwa ndi Medicare Part B kamodzi pachaka. Muyenera kukwaniritsa zina, kuphatikiza:

• ndinu asymptomatic (palibe zizindikiro za khansa yamapapu)
• mukusuta fodya kapena mwasiya zaka 15 zapitazi.
• mbiri yanu yogwiritsira ntchito fodya imaphatikizapo paketi imodzi ya ndudu patsiku kwa zaka 30.

Ngati dokotala angavomereze ntchitoyi, mayeserowa sangakupatseni ndalama.

Kutenga

Medicare imapereka mayeso angapo omwe amawunika mitundu ingapo ya khansa, kuphatikiza:

• khansa ya m'mawere
• khansa yoyipa
• khansa ya pachibelekero
• khansa ya prostate
• khansa ya m'mapapo

Lankhulani ndi dokotala wanu za kuyesa khansa komanso ngati zingalimbikitsidwe kutengera mbiri yanu yazachipatala.

Ndikofunika kumvetsetsa chifukwa chomwe dokotala akuwona kuti mayesowa ndi ofunikira. Afunseni za malingaliro awo ndikukambirana momwe kuwunikirako kungawonongere ndalama ngati pali zina zowunika zomwe zingakhale zotsika mtengo. Ndibwinonso kufunsa kuti zitenga nthawi yayitali bwanji kuti mukhale ndi zotsatira zanu.

Mukamayesa zomwe mungasankhe, ganizirani izi:

• ngati mayeso akuphimbidwa ndi Medicare
• kuchuluka komwe muyenera kulipira kumachotseredwe ndi ma copay
• Kaya pulani ya Medicare Advantage ingakhale njira yabwino kwambiri yopezera zambiri
• inshuwaransi ina yomwe mungakhale nayo monga Medigap (Medicare supplement inshuwaransi)
• ngati dokotala avomera ntchito
• mtundu wa malo omwe mayeso amachitikira

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.