Kodi Chithandizo cha Khansa Chimalimba?

Zamkati

• Kodi mungasankhe bwanji khansa?
• Kodi Medicare imakhudza liti chithandizo cha khansa?
• Ndi mankhwala ati omwe akukonzekera kuchiza khansa?
• Medicare Gawo A
• Medicare Gawo B
• Medicare Gawo C (Medicare Advantage)
• Gawo la Medicare D.
• Chithandizo cha Medicare (Medigap)
• Kodi ndingadziwe bwanji ndalama zanga zotulutsira khansa?
• Mfundo yofunika

Mtengo wothandizira khansa umawonjezera mwachangu. Ngati muli ndi Medicare, zambiri mwa ndalamazo zimaphatikizidwa muzolemba zanu.

Nkhaniyi iyankha mafunso ofunika okhudzana ndi momwe mungadziwire ndalama zomwe mungalandire mukalandira khansa ngati muli ndi Medicare.

Ngati mwalandira khansa yayikulu, mungafune kuyimbira Medicare Health Line pa 800-633-4227. Mzerewu ukupezeka 24/7 ndipo ungakupatseni mayankho achindunji pakuyembekezera mtengo wanu.

Kodi mungasankhe bwanji khansa?

Chithandizo cha khansa chimakhala chapadera kwambiri. Mitundu ingapo ya madotolo imagwirira ntchito limodzi kuti ipange dongosolo lamankhwala lomwe limakwaniritsa zosowa zanu. Dongosolo lokwanira la chithandizo cha khansa liphatikizira imodzi kapena mitundu ingapo yamankhwalawa, onse omwe atha kulipidwa ndi Medicare.

• Opaleshoni. Kuchita opaleshoni kungalimbikitsidwe pochotsa zotupa za khansa.
• Chemotherapy. Chemotherapy imaphatikizapo mankhwala omwe amaperekedwa pakamwa kapena kudzera m'mitsempha yopha ma cell a khansa ndikuletsa khansa kuti isafalikire.
• Mafunde. Mankhwalawa amagwiritsa ntchito mphamvu zambiri kupha maselo a khansa.
• Thandizo la mahomoni. Thandizo la mahomoni limagwiritsa ntchito timadzi tomwe timapanga timadzi timene timagwiritsa ntchito mahomoni kuti timere.
• Chitetezo chamatenda. Mankhwala a immunotherapy amagwiritsa ntchito chitetezo cha mthupi lanu kuti liukire ma cell a khansa.
• Mankhwala othandizira. Mankhwala atsopanowa amatengera kachilombo ku khansa yomwe idzawathandize ndikuiwononga.

Mtundu umodzi wa chithandizo cha khansa chomwe sichikuphimbidwa ndi Medicare ndi njira ina kapena mankhwala onse. Mankhwalawa, omwe atha kuphatikizira kusintha kwa zakudya, zowonjezera, mafuta, ndi zotulutsa zachilengedwe, sizomwe zimafotokozera za khansa ya Medicare.

Kodi Medicare imakhudza liti chithandizo cha khansa?

Medicare imakhudza chithandizo cha khansa choperekedwa ndi dokotala yemwe amalandira Medicare.

Medicare imalipira 80 peresenti ya zomwe amakupatsani omwe amakusamalirani ndi khansa. Muli ndi udindo pa 20 peresenti ya ndalamazo mpaka mutaponya ndalama zanu zapachaka.

Maulendo ndi njira zina zadotolo ziyenera kukwaniritsa zofunikira kuti Medicare ivomerezedwe.

Mwachitsanzo, ngati mukufuna opaleshoni, Medicare idzakulipirani kuti mukambirane ndi oncologist wochita opareshoni komanso oncologist wina wopanga opaleshoni kuti mumve kachiwiri. Medicare ikulipirani kuti mupeze lingaliro lachitatu, koma pokhapokha ngati dokotala woyamba ndi wachiwiri sagwirizana.

Ngati muli ndi Medicare, imakhudza chithandizo cha khansa ngakhale mutakhala ndi zaka zingati. Ngati muli ndi Medicare Part D, mankhwala omwe amakupatsani omwe ali mbali ya chithandizo chanu cha khansa amapezekanso.

Ndi mankhwala ati omwe akukonzekera kuchiza khansa?

Medicare ndi pulogalamu yaboma ku United States, yoyendetsedwa ndi malamulo angapo. Malamulowa ndi "magawo" a Medicare. Magawo osiyanasiyana a Medicare amatenga mbali zosiyanasiyana zamankhwala anu a khansa.

Medicare Gawo A

Medicare Part A, yotchedwanso choyambirira Medicare, imakhudza chisamaliro cha chipatala. Anthu ambiri salipira mwezi uliwonse ku Medicare Part A.

Kusamalira khansa ndi ntchito gawo A zikuto zimaphatikizapo:

• chithandizo cha khansa
• ntchito yamagazi
• kuyezetsa matenda omwe mumalandira mukadali kuchipatala
• Njira zochizira odwala zochotsa khansa
• opangira mawere mochita opaleshoni pambuyo pa mastectomy

Medicare Gawo B

Medicare Part B imafunikira chithandizo chamankhwala chofunikira kuchipatala. Medicare Part B ndi yomwe imafotokoza mitundu yambiri ya chithandizo cha khansa.

Kusamalira khansa ndi ntchito zomwe gawo B limaphatikizapo:

• kuchezera ndi dokotala wanu
• pitani kwa oncologist wanu ndi akatswiri ena
• kuyezetsa matenda, monga X-ray ndi magazi ntchito
• Opaleshoni ya kuchipatala
• Mitsempha yamankhwala yamankhwala am'mitsempha komanso yamlomo
• zida zachipatala zolimba, monga kuyenda, ma wheelchair, ndi mapampu odyetsa
• ntchito zamisala
• kuwunika kwina kosamalira

Medicare Gawo C (Medicare Advantage)

Medicare Part C, yomwe nthawi zina imatchedwa Medicare Advantage, imanena za mapulani a inshuwaransi azaumoyo omwe amapeza phindu la Medicare gawo A ndi B, ndipo nthawi zina Gawo D.

Ndondomeko za inshuwaransi zaumwini izi zimayenera kuphimba chilichonse chomwe Medicare yoyambirira ingakwaniritse. Malipiro a Medicare Part C nthawi zina amakhala apamwamba, koma zinthu monga ntchito zophimbidwa, madokotala omwe akutenga nawo mbali, komanso ma copay amatha kupereka mwayi kwa anthu ena.

Gawo la Medicare D.

Medicare Part D imafotokoza za mankhwala omwe mwalandira. Medicare Part D itha kukhala ndi mankhwala am'kamwa a chemotherapy, mankhwala a antinausea, mankhwala opweteka, ndi mankhwala ena omwe dokotala amakupatsani ngati gawo la chithandizo cha khansa.

Izi sizimangokhala gawo la Medicare kapena Medicare Advantage, ndipo mapulani osiyanasiyana ali ndi zoletsa zosiyanasiyana pamankhwala omwe angaphimbe.

Chithandizo cha Medicare (Medigap)

Ndondomeko za Medigap ndi inshuwaransi yabizinesi yomwe imathandizira kubweza gawo lanu la mtengo wa Medicare. Muyenera kulipira mtengo wa Medigap, ndipo posinthanitsa, dongosololi limachepetsa kapena kuchotsa ma copay ena ndipo lingachepetse ndalama zanu komanso ndalama zomwe mungatenge.

Kodi ndingadziwe bwanji ndalama zanga zotulutsira khansa?

Musanapite kwa dokotala aliyense kuti akalandire chithandizo cha khansa, itanani ofesi yawo kuti muwone ngati "akulandira ntchito." Madokotala omwe amalandira ntchito amatenga ndalama zomwe Medicare amalipira, komanso ndalama zanu, ndipo amawona kuti ndi "kulipira kwathunthu" pantchito.

Madokotala omwe asankha kuchoka ku Medicare atha kulipira ndalama zomwe azikulipirani kuchipatala, ndikukusiyirani zomwe zatsala, kuwonjezera pa copay yanu.

Avereji ya ndalama zakuthumba zothandizira khansa zimasiyana. Mtundu wa khansa yomwe muli nayo, nkhanza zake, komanso mtundu wa mankhwala omwe madotolo amakupatsani ndi zonse zomwe zimafunikira.

adapeza kuti pafupifupi ndalama zapachaka zotulutsira khansa zimachokera pa $ 2,116 mpaka $ 8,115 kutengera mtundu wa Medicare kapena omwe akutenga nawo inshuwaransi.

Mukalandira mtundu wina uliwonse wa khansa, mosakayikira mudzakumana ndi zochotseredwa zanu za Medicare za Gawo B chaka chimenecho. Mu 2020, ndalama zomwe zimachotsedwa ku Medicare Part B ndi $ 198.

Kuphatikiza pa malipiro anu apamwezi, mudzakhala ndi gawo la 20% ya zolipira kuchipatala mpaka mutapeza deductible yapachaka.

Ngati chithandizo chanu chikuphatikizapo kugona kuchipatala, opaleshoni ya odwala, kapena mitundu ina ya mankhwala opatsirana, imatha kuyamba madola masauzande angapo, ngakhale ndi Medicaid kapena inshuwaransi ina.

Mfundo yofunika

Mankhwala a khansa akhoza kukhala okwera mtengo kwambiri. Medicare imatenga ndalama zochuluka, koma mufunikirabe kulipira gawo lalikulu la iyo.

Musanayambe chithandizo chilichonse, ndikofunika kutsimikiza kuti dokotala akulandira ntchito. Kufunsa mafunso za mtengo ndipo ngati pali zosankha zotsika mtengo zingathandizenso kuchepetsa mtengo wa chisamaliro chanu.

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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