Kubowola: Kodi Medicare Amaphimba Mano?

Zamkati

• Kodi chisamaliro chamano chimaphimbidwa liti ndi Medicare yoyambirira?
• Medicare Advantage (Gawo C) ndikuphimba mano
• Kodi kufotokozera za Medigap kuthandizira kulipirira ntchito zamano?
• Kodi mayeso owerengera mano amawononga ndalama zingati?
• Ndi njira ziti za Medicare zomwe zingakhale zabwino kwa inu ngati mukudziwa kuti mukufuna thandizo la mano?
• Kuyerekeza kuyerekezera kwamankhwala kwa Medicare
• Njira zina zokutira mano
• Chifukwa chake ndikofunikira kupeza chithandizo chabwino cha mano mukamakula
• Mfundo yofunika

Magawo Oyambirira a Medicare A (chisamaliro cha chipatala) ndi B (chithandizo chamankhwala) samaphatikizapo kuphimba mano. Izi zikutanthauza kuti choyambirira (kapena "chachikale") Medicare siyilipira ntchito zanthawi zonse monga mayeso a mano, kuyeretsa, kuchotsa mano, mizu, mizu, akorona, ndi milatho.

Magawo a Medicare A ndi B nawonso samaphimba zopangira mano ngati mbale, mano, zida za orthodontic, kapena osunga.

Komabe, malingaliro ena a Medicare Advantage, omwe amadziwikanso kuti mapulani a Medicare Part C, amaphatikizira kufalitsa kwa. Dongosolo lililonse limakhala ndi mtengo wosiyanasiyana ndi tsatanetsatane wa momwe phindu lingagwiritsidwe ntchito.

Pemphani kuti mudziwe zambiri zamankhwala omwe mungasankhe kudzera mu Medicare.

Kodi chisamaliro chamano chimaphimbidwa liti ndi Medicare yoyambirira?

Ngakhale Medicare yapachiyambi sikutanthauza chisamaliro cha mano, palinso zina zapadera. Ngati mukufuna chisamaliro cha mano chifukwa cha matenda kapena kuvulala komwe kumafuna kuchipatala, chithandizo chanu cha mano chitha kuphimbidwa.

Mwachitsanzo, ngati mutagwa ndikuphwanya nsagwada zanu, Medicare kuti mumangenso mafupa a nsagwada.

Njira zina zovuta kumano zimaphimbidwanso ngati zikuchitikira kuchipatala, koma ngati ataphimbidwa ndi Gawo A kapena Gawo B zitsimikiziridwa ndi omwe amapereka ntchitoyi.

Medicare ikhozanso kulipirira chisamaliro chanu ngati mungafune chithandizo cha mano chifukwa cha khansa yapakamwa kapena matenda ena okutidwa.

Kuphatikiza apo, Medicare itha kulipira kuchotsera dzino ngati madokotala anu akuganiza kuti ndikofunikira kuchotsa dzino musanachite opareshoni yamtima, mankhwala a radiation, kapena njira zina zokutidwa.

Medicare Advantage (Gawo C) ndikuphimba mano

Mapulani a Medicare Advantage amaperekedwa ndi makampani a inshuwaransi apadera omwe avomerezedwa ndi Medicare. Zolingazi ndizosiyana ndi Medicare yoyambirira. Nthawi zambiri amalipira ntchito zomwe sizinapezeke ndi gawo loyambirira la Medicare A ndi B.

Ndi pulani yamtunduwu, mungafunike kulipira ndalama pamwezi kapena kulipira ngongole. Muyeneranso kuwunika ngati dotolo wanu wa mano ali mu netiweki ya mapulani kuti ntchitoyo ipangidwe.

Pali njira zingapo zodziwira ngati dongosolo la Medicare Advantage limakhudza chisamaliro cha mano. Medicare ili ndi chida cha Pezani Chithandizo cha Medicare chomwe chikuwonetsani mapulani onse omwe amapezeka mdera lanu ndi zomwe amakwaniritsa, kuphatikiza ngati akuphimba mano. Mapulani ambiri a Zopindulitsa amaphatikiza maubwino amano.

Kuti mudziwe ngati pulogalamu yanu ya Medicare Part C ikuphatikizira kuphimba mano, mutha kuyankhula ndi woimira kuchokera kwa inshuwaransi kapena werengani zambiri zomwe zili mu chikalata cha Umboni wa Kupeza (EOC) chomwe mudalandira mukamalembetsa.

Kodi kufotokozera za Medigap kuthandizira kulipirira ntchito zamano?

Nthawi zambiri, kufotokozedwa kwa Medigap kumakuthandizani kuti mulipire zolipira ndi zochotseredwa zokhudzana ndi ntchito zothandizidwa ndi Medicare yoyambirira. Nthawi zambiri, Medigap samapereka chithandizo chamankhwala owonjezera monga chisamaliro cha mano.

Kodi mayeso owerengera mano amawononga ndalama zingati?

Kutengera komwe mumakhala, kuyeretsa mano pachaka ndikuwayesa kumatha kutenga $ 75 mpaka $ 200. Mtengo wake ukhoza kukhala wapamwamba ngati mukufuna kuyeretsa kozama kapena X-ray.

Ndi njira ziti za Medicare zomwe zingakhale zabwino kwa inu ngati mukudziwa kuti mukufuna thandizo la mano?

Popeza kuti ntchito zambiri zamankhwala sizimayikidwa ndi Medicare Part A ndi Part B, Ngati mukudziwa kuti mungafunike chisamaliro cha mano chaka chamawa, dongosolo la Medicare Advantage (Part C) lingakhale njira yabwino.

Mukamapanga chisankhochi, onetsetsani kuti mukuganizira zosowa zanu zamtsogolo komanso mbiri ya mano anu. Ngati mukuganiza kuti pali kuthekera komwe mungafunike ma implants kapena mano ena opangira mano mtsogolo, onaninso izi popanga zisankho.

Kuyerekeza kuyerekezera kwamankhwala kwa Medicare

Njira zina zokutira mano

Mwinanso mungafunike kulingalira za mano kunja kwa Medicare. Mutha kukhala ndi zosankha, monga:

• Imani-okha inshuwaransi ya mano. Mapulaniwa amafunika kuti mulipire ndalama zoyambira pakufalitsa.
• Mnzanu kapena mnzake wothandizidwa ndi inshuwaransi. Ngati kuli kotheka kulembetsa kuti mupeze chithandizo pansi pa dongosolo la mano a mnzanu, imeneyo ikhoza kukhala njira yotsika mtengo.
• Magulu ochotsera mano. Izi sizipereka inshuwaransi, koma zimalola mamembala kuti alandire mano pamtengo wotsika.
• Mankhwala. Kutengera ndi dera lomwe mukukhala komanso momwe mulili pachuma, mutha kulandira chithandizo cha mano kudzera mu Medicaid.
• PACE. Iyi ndi pulogalamu yomwe ingakuthandizeni kupeza chisamaliro chokhazikika mdera lanu, kuphatikiza ntchito zamano.

Chifukwa chake ndikofunikira kupeza chithandizo chabwino cha mano mukamakula

Kusamalira mano ndikofunikira kuti mukhale ndi thanzi labwino. Ukhondo wopanda mano udalumikizidwa ndi kutupa kosatha, matenda ashuga, matenda amtima, ndi zovuta zina zazikulu zathanzi.

Ndipo kafukufuku wasonyezanso kuti nthawi zina anthu amanyalanyaza chisamaliro chawo cha mano akamakalamba, nthawi zambiri chifukwa chisamaliro cha mano chimakhala chodula.

National Institute of Dental and Craniofacial Research ikuyerekeza kuti 23% ya okalamba sanayesedwe mano zaka 5 zapitazi. Chiwerengerochi ndichokwera kwambiri pakati pa anthu aku Africa American ndi Puerto Rico komanso pakati pa omwe amalandila ndalama zochepa.

Kafukufuku wina woimira dziko lonse omwe adachitika mu 2017 adawulula kuti mtengo wake ndi womwe umapangitsa kuti anthu asapeze thandizo laukadaulo posamalira mano awo. Komabe chisamaliro chabwino chodzitchinjiriza chingakuthandizeni kuti mupewe mavuto azovuta zamtsogolo mtsogolo.

Pachifukwachi, ndibwino kuganizira pulani yotsika mtengo yomwe ingakwaniritse ntchito zamano zomwe mukufuna mukamakula.

• Gawo 1: Sankhani kuyenerera. Ngati muli ndi wokondedwa wanu yemwe ali ndi miyezi isanu ndi itatu ali ndi zaka 65, kapena amene ali ndi chilema kapena matenda a impso omaliza, mwina ndi oyenera kulandira chithandizo cha Medicare.
• Gawo 2: Kambiranani za zosowa zawo. Nazi zinthu zofunika kuziganizira mukamasankha ngati mukufuna kusankha Medicare yoyambirira kapena dongosolo la Medicare Advantage:
  • Kodi ndikofunika bwanji kusunga madokotala awo apano?
  • Kodi amamwa mankhwala ati?
  • Kodi amafunikira chithandizo chotani chamano ndi masomphenya?
  • Ndi angati omwe angakwanitse kuwononga ndalama zawo pamwezi ndi zina?

• Gawo 3: Mvetsetsani mitengo yokhudzana ndi kuchedwa kulembetsa. Ngati mwasankha kusalembetsa wokondedwa wanu pa gawo B kapena Gawo D, mungafunikire kulipira zilango kapena ndalama zowonjezera mtsogolo.
• Gawo 4: Pitani ssa.gov kulembetsa. Nthawi zambiri simusowa zolemba, ndipo dongosolo lonse limatenga pafupifupi mphindi 10.

Mfundo yofunika

Kusunga mano ndi nkhama zanu m'thupi mukamakalamba ndikofunikira kuti mukhale ndi thanzi labwino.

Magawo Oyambirira a Medicare A ndi B salipira ntchito zamano, kuphatikizapo kuyezetsa pafupipafupi, kuchotsa mano, ngalande zamizu, ndi ntchito zina zoyambira mano. Samaphimba zopangira mano ngati mano ovekera komanso zopindika.

Pali zina kusiyanasiyana: Komabe, ngati mukufuna maopaleshoni ovuta a mano, kapena ngati mukufuna thandizo la mano chifukwa chodwala kapena kuvulala, Medicare ikhoza kulipirira chithandizo chanu.

Mapulani ambiri a Medicare Advantage (Gawo C) amapereka chithandizo cha mano, koma mungafunike kulipira mwezi uliwonse kapena kugwiritsa ntchito maukadaulo a mano kuti mugwiritse ntchito mwayiwo.

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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