Kodi Kubwezeretsa M'chiuno Kumaphimbidwa Ndi Medicare?

Zamkati

• Kodi Medicare imaphimba chiyani ndikubwezeretsa m'chiuno?
• Medicare Gawo A
• Medicare Gawo B
• Gawo la Medicare D.
• Chidule cha kufotokozedwa ndi Medicare
• Kodi Medicare imalipira ndalama zotani m'malo mwake?
• Zowonjezera zowonjezera
• Kudziwa mtengo wanu
• Za opaleshoni ya chiuno m'malo mwake
• Tengera kwina

Medicare Yoyambirira (Gawo A ndi Gawo B) imakhudza opaleshoni ya m'chiuno ngati dokotala akuwonetsa kuti ndizofunikira kuchipatala. Izi sizikutanthauza, komabe, kuti Medicare idzalipira 100 peresenti ya ndalamazo. M'malo mwake, ndalama zanu zimadziwika ndi mapulani anu, mtengo wa njirayi, ndi zina.

Pemphani kuti muphunzire zambiri za zomwe muyenera kuyembekezera.

Kodi Medicare imaphimba chiyani ndikubwezeretsa m'chiuno?

Medicare Yoyambirira (Medicare Part A ndi Medicare Part B) itha kukuthandizani kubweza zolipira kuchipatala kwanu.

Medicare Gawo A

Malinga ndi National Institute of Arthritis and Musculoskeletal and Skin Diseases, anthu amafunika kukhala mchipatala masiku 1 kapena 4 kutsatira kusintha kwa chiuno. Mukakhala komweko kuchipatala chovomerezeka ndi Medicare, Medicare Part A (inshuwaransi ya chipatala) ithandiza kulipira:

• chipinda chayekha
• chakudya
• chisamaliro
• mankhwala omwe ali mbali ya chithandizo chanu chamankhwala

Ngati mukusowa unamwino waluso kutsatira njirayi, Gawo A limathandizira masiku 100 oyamba chisamaliro. Izi zitha kuphatikizira chithandizo chamankhwala (PT).

Medicare Gawo B

Ngati chiuno chanu chachitidwa kuchipatala, Medicare Part B (inshuwaransi ya zamankhwala) iyenera kukuthandizani kulipirira zosowa zanu. Kaya opaleshoni yanu yachitika kuchipatala kapena kuchipatala, Medicare Part B imathandizira kulipira:

• chindapusa cha adokotala (kuyendera asanafike komanso opita kuchipatala, mankhwala opatsirana pambuyo pa op, ndi zina zambiri)
• opaleshoni
• zida zamankhwala zolimba (nzimbe, woyenda, ndi zina zambiri)

Gawo la Medicare D.

Medicare Part D ndikulemba mankhwala omwe mungagule ku kampani ya inshuwaransi yapadera kupatula Medicare yoyambirira. Gawo D limafotokoza za mankhwala omwe sanatulukidwe ndi Medicare, monga mankhwala othandizira kupweteka komanso owonda magazi (kupewa magazi) omwe amatengedwa mukamachira.

Chidule cha kufotokozedwa ndi Medicare

Kodi Medicare imalipira ndalama zotani m'malo mwake?

Malinga ndi American Association of Hip and Knee Surgeons (AAHKS), mtengo wosinthira mchiuno ku US ukuyambira $ 30,000 mpaka $ 112,000. Dokotala wanu adzakupatsani mtengo wovomerezeka wa Medicare wa mankhwala omwe mukufuna.

Medicare Part A ndi Part B Asanapereke gawo lililonse la mtengowo, muyenera kuti munalipira malipiro anu ndi ndalama zochotseredwa. Mudzakhalanso ndi chitsimikizo kapena zolipira.

• Mu 2020, kuchotsedwa pachaka kwa Medicare Part A ndi $ 1,408 mukavomerezedwa kuchipatala. Izi zimakhudza masiku 60 oyambira kuchipatala munthawi yopindulitsa. Pafupifupi 99% ya omwe amapindula ndi Medicare alibe chiwongola dzanja cha Gawo A malinga ndi US Centers for Medicare & Medicare Services.
• 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%.

Zowonjezera zowonjezera

Ngati mungafotokoze zambiri, monga mfundo za Medigap (Medicare Supplement Insurance), kutengera dongosolo, zina mwa zolipira zanu, zochotseredwa, ndi ma copay zitha kulipidwa. Ndondomeko za Medigap zimagulidwa kudzera m'makampani ovomerezeka a Medicare ovomerezeka.

Kudziwa mtengo wanu

Kuti mudziwe kuchuluka kwa ntchafu yanu, lankhulani ndi dokotala wanu. Ndalama zomwe mudzalipira zimadalira zinthu, monga:

• ma inshuwaransi ena omwe mungakhale nawo, monga malingaliro a Medigap
• kuchuluka komwe dokotala amakulipirani
• ngati dokotala akuvomereza kapena ayi (mtengo wovomerezeka ndi Medicare)
• komwe mumalandira njirayi, monga chipatala chovomerezeka ndi Medicare

Za opaleshoni ya chiuno m'malo mwake

Opaleshoni ya m'chiuno imagwiritsidwa ntchito m'malo mwa matendawo omwe ali ndi matenda kapena owonongeka ndi ziwalo zatsopano. Izi zachitika ku:

• kuthetsa ululu
• bwezerani magwiridwe antchito a m'chiuno
• kusintha kuyenda, monga kuyenda

Mbali zatsopanozi, zomwe zimapangidwa ndi chitsulo chosapanga dzimbiri kapena titaniyamu, zimalowetsa m'malo ophatikizika amchiuno. Kukhazikitsaku kumagwiranso ntchito mchiuno wabwinobwino.

Malinga ndi momwe 326,100 idasinthira chiuno chonse mu 2010, 54% ya iwo anali a anthu azaka 65 kapena kupitilira (Medicare yoyenera).

Tengera kwina

Medicare Yoyambirira (Gawo A ndi Gawo B) nthawi zambiri limakhudza opareshoni ya chiuno ngati kuli kofunikira kuchipatala.

Ndalama zanu zakuthumba zakubwezeretsani m'chiuno zidzakhudzidwa ndimitundu ingapo, kuphatikiza:

• inshuwaransi ina iliyonse, monga Medigap
• Medicare ndi ma inshuwaransi ena amachotsedwa, ndalama zothandizira ndalama, ma copay, ndi ndalama zoyendetsera ndalama
• dokotala amalipiritsa
• kuvomereza dokotala ntchito
• komwe njirayi imachitikira

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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