Kodi Dialysis Yophimbidwa Ndi Medicare?

Zamkati

• Kuyenerera kwa Medicare
• Ngati simulembetsa nthawi yomweyo
• Ngati muli pa dialysis
• Ngati mukupanga impso
• Pamene Medicare kufalitsa kumatha
• Ntchito za Dialysis ndi zinthu zomwe Medicare adachita
• Kuphunzira mankhwala osokoneza bongo
• Kodi ndilipira chiyani dialysis?
• Tengera kwina

Medicare imakhudza dialysis komanso mankhwala ambiri omwe amatenga matenda a impso (ESRD) kapena kulephera kwa impso.

Pamene impso zanu sizingagwire ntchito mwachilengedwe, thupi lanu limalowa mu ESRD. Dialysis ndi chithandizo chothandizira thupi lanu kugwira ntchito poyeretsa magazi anu impso zanu zikaleka kugwira ntchito zokha.

Pamodzi ndi kuthandizira thupi lanu kusunga madzi oyenera komanso kuwongolera kuthamanga kwa magazi, dialysis imathandizira kutaya zinyalala zovulaza, madzi, ndi mchere womwe umakhala mthupi lanu. Ngakhale atha kukuthandizani kuti mukhale ndi moyo wautali komanso kuti mumve bwino, mankhwala a dialysis siwochiritsa impso.

Pitirizani kuwerenga kuti mudziwe zambiri za dialare ya Medicare ndi chithandizo chamankhwala, kuphatikiza kuyenerera ndi mtengo wake.

Kuyenerera kwa Medicare

Ziyeneretso za Medicare ndizosiyana ngati kuyenerera kwanu kutengera ESRD.

Ngati simulembetsa nthawi yomweyo

Ngati mukuyenerera Medicare kutengera ESRD koma mwaphonya nthawi yanu yoyamba kulembetsa, mutha kukhala oyenera kubwezeredwa kwa miyezi 12, mukangolembetsa.

Ngati muli pa dialysis

Ngati mulembetsa ku Medicare kutengera ESRD ndipo pano muli pa dialysis, kufalitsa kwanu kwa Medicare kumayambira tsiku loyamba la chithandizo cha dialysis mwezi wa 4. Kuphunzira kumatha kuyamba mwezi wa 1 ngati:

• M'miyezi itatu yoyambirira ya dialysis, mumachita nawo maphunziro a dialysis kunyumba kumalo ovomerezeka a Medicare.
• Dokotala wanu akuwonetsa kuti muyenera kumaliza maphunziro anu kuti muzitha kudzipangira mankhwala a dialysis.

Ngati mukupanga impso

Ngati mwaloledwa kupita kuchipatala chovomerezeka ndi Medicare kuti muike impso ndikuziika kumachitika mwezi womwewo kapena miyezi iwiri ikubwerayi, Medicare ikhoza kuyamba mwezi womwewo.

Kuphunzira kwa Medicare kumatha kuyamba miyezi iwiri musanayike kumuika ngati kuikako kwachedwa kuposa miyezi iwiri mutalandiridwa kuchipatala.

Pamene Medicare kufalitsa kumatha

Ngati mukungoyenera kulandira Medicare chifukwa cha impso kulephera, kufalitsa kwanu kudzaima:

• Patatha miyezi 12 kuchokera pamene chithandizo cha dialysis chayimitsidwa
• Miyezi 36 kutsatira mwezi mumakhala ndi impso

Kuphunzira kwa Medicare kuyambiranso ngati:

• pasanathe miyezi 12 kuchokera pamwezi, mumasiya kudwala matenda a dialysis, mumayambiranso dialysis kapena mumalandira impso
• mkati mwa miyezi 36 kuchokera mweziwo mumalandira impso mumapezanso impso ina kapena kuyambitsa dialysis

Ntchito za Dialysis ndi zinthu zomwe Medicare adachita

Medicare Yoyambirira (Gawo A inshuwaransi ya chipatala ndi Part B inshuwaransi yamankhwala) imafotokoza zambiri zomwe zimaperekedwa ndi ma dialysis, kuphatikiza:

• mankhwala a inpatient dialysis: yokutidwa ndi Medicare Part A
• Chithandizo cha kuchipatala cha kuchipatala: kuchotsedwa ndi Medicare Part B
• Ntchito zamankhwala azachipatala: yokutidwa ndi Medicare Part B
• maphunziro a dialysis kunyumba: yokutidwa ndi Medicare Part B
• zida zakayendedwe ka dialysis kunyumba: zomwe zidapangidwa ndi Medicare Part B
• ntchito zina zothandizira kunyumba: zovomerezedwa ndi Medicare Part B
• mankhwala ambiri opangira mkati komanso kunyumba dialysis: yokutidwa ndi Medicare Part B
• ntchito zina ndi zina, monga mayeso a labotale: yokutidwa ndi Medicare Part B

Medicare iyenera kuyang'anira ntchito zama ambulansi popita ndi kuchokera kunyumba kwanu kupita ku malo oyandikira kwambiri a dialysis ngati adotolo anu akupatsani zolembedwa zotsimikizira kuti ndizofunikira kuchipatala.

Ntchito ndi zinthu zomwe Medicare saziphimba ndi monga:

• kulipira othandizira kuti athandizidwe ndi dialysis yakunyumba
• malipiro otayika panthawi yophunzitsira kunyumba
• malo ogona panthawi ya chithandizo
• magazi kapena maselo ofiira ofiira a dialysis kunyumba (pokhapokha ataphatikizidwa ndi ntchito ya dokotala)

Kuphunzira mankhwala osokoneza bongo

Medicare Part B imakhudza mankhwala ojambulidwa komanso kudzera m'mitsempha komanso tizilombo toyambitsa matenda komanso mitundu yawo yapakamwa yoperekedwa ndi malo opatsirana pogonana.

Gawo B silikunena za mankhwala omwe amapezeka pakamwa kokha.

Medicare Part D, yomwe imagulidwa kudzera ku kampani ya inshuwaransi yovomerezeka ya Medicare, imapereka chithandizo chamankhwala chomwe, kutengera malingaliro anu, chimakhudza mtundu uwu wa mankhwala.

Kodi ndilipira chiyani dialysis?

Mukalandira dialysis mutalandiridwa kuchipatala, Medicare Part A imalipira ndalamazo.

Ntchito zamankhwala azachipatala zimaphimbidwa ndi Medicare Part B.

Muli ndiudindo pamalipiro, kuchotsera pachaka, ndalama zandalama, ndi ma copays:

• Deductible yapachaka ya Medicare Part A ndi $ 1,408 (akavomerezedwa kuchipatala) mu 2020. Izi zimakhudza masiku 60 oyambira kuchipatala munthawi yopindulitsa. Malinga ndi US Centers for Medicare & Medicare Services, pafupifupi 99% ya omwe amapindula ndi Medicare alibe chiwongola dzanja cha Gawo A.
• Mu 2020, kulipidwa pamwezi kwa Medicare Part B ndi $ 144.60 ndipo kuchotsera pachaka kwa Medicare Part B ndi $ 198. Ndalama zolipirazo zikadalipira, Medicare imalipira 80 peresenti ya ndalamazo ndipo mumalipira 20%.

Pazithandizo zaku dialysis kunyumba, Medicare imalipira chindapusa ku malo anu oyendetsera dialysis kuti aziyang'anira maphunziro a dialysis kunyumba.

Gawo B litachotsedwa chaka chilichonse, Medicare imalipira 80% ya zolipiritsa, ndipo 20% yotsalayo ndiudindo wanu.

Tengera kwina

Mankhwala ambiri, kuphatikizapo dialysis, omwe amaphatikizapo matenda amphongo (ESRD) kapena kulephera kwa impso amapezeka ndi Medicare.

Zambiri zokhudzana ndi chithandizo chamankhwala, ntchito ndi zinthu zina, ndi gawo lanu la ndalamazi zitha kuwunikiridwa nanu ndi gulu lazachipatala, lomwe limaphatikizapo:

• madokotala
• anamwino
• ogwira nawo ntchito
• akatswiri a dialysis

Kuti mumve zambiri onani kupita ku Medicare.gov, kapena kuyimba 1-800-MEDICARE (1-800-633-4227).

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.