Kodi Medicare Idzaphimba MRI Yanga?

Zamkati

• Kodi Medicare ingakwaniritse MRI motani?
• Kodi ma MRI amawononga ndalama zingati?
• Ndi njira ziti za Medicare zomwe zimakhudza MRI?
• Medicare Gawo A
• Medicare Gawo B
• Medicare Gawo C (Medicare Advantage)
• Gawo la Medicare D.
• Chithandizo cha Medicare (Medigap)
• Kodi MRI ndi chiyani?
• Kutenga

MRI yanu mwina kuphimbidwa ndi Medicare, koma muyenera kukwaniritsa zofunikira zina. Mtengo wapakati pa MRI imodzi ndi pafupifupi $ 1,200. Mtengo wamthumba wa MRI umasiyana malinga ngati muli ndi Original Medicare, dongosolo la Medicare Advantage, kapena inshuwaransi yowonjezera monga Medigap.

Kujambula MRI ndi chimodzi mwazida zofunikira kwambiri zomwe madokotala amagwiritsa ntchito posankha mtundu wa chithandizo chomwe mukufuna. Zithunzi izi zimatha kuzindikira kuvulala ndi matenda monga aneurysm, sitiroko, mitsempha yong'ambika, ndi zina zambiri.

Nkhaniyi ifotokoza za mitengo yokhudzana ndi MRI ngati muli ndi Medicare, komanso momwe mungapindulire ndi zomwe mumalemba.

Kodi Medicare ingakwaniritse MRI motani?

Medicare imakhudza MRI yanu malinga ngati izi ndi zoona:

• MRI yanu yapatsidwa kapena kulamulidwa ndi dokotala yemwe amalandira Medicare.
• MRI yalembedwa ngati chida chodziwitsira matenda omwe angachitike.
• MRI yanu imagwiridwa kuchipatala kapena malo ojambulira omwe amalandira Medicare.

Pansi pa Original Medicare, mudzakhala ndi gawo la 20% ya mtengo wa MRI, pokhapokha mutakumana ndi deductible yanu.

Kodi ma MRI amawononga ndalama zingati?

Malinga ndi Medicare.gov, ndalama zotulutsira m'thumba zojambulira kunja kwa MRI zili pafupifupi $ 12. Ngati MRI ichitika mukamalowa kuchipatala, mtengo wake ndi $ 6.

Popanda inshuwaransi iliyonse, mtengo wa MRI umatha kupitilira $ 3,000 kapena kupitilira apo. Kafukufuku wopangidwa ndi Kaiser Family Foundation adawonetsa kuti mtengo wapakati wa MRI wopanda inshuwaransi unali $ 1,200, kuyambira 2014.

Ma MRIs atha kukhala okwera mtengo kutengera mtengo wakukhala mdera lanu, malo omwe mumagwiritsa ntchito, komanso zinthu zamankhwala, monga ngati utoto wapadera ukufunika kuti musanthule kapena ngati mukufuna kapena mankhwala odana ndi nkhawa pa MRI.

Ndi njira ziti za Medicare zomwe zimakhudza MRI?

Magawo osiyanasiyana a Medicare atha kutenga nawo gawo popereka chiwonetsero cha MRI yanu.

Medicare Gawo A

Medicare Part A imafotokoza chisamaliro chomwe mumalandira kuchipatala. Ngati mutadwala MRI mukamalandila kuchipatala, Medicare Part A imatha kujambulaku.

Medicare Gawo B

Medicare Part B imafotokoza zamankhwala azachipatala ndi zinthu zina zofunika kuchipatala zomwe mungafune kuchipatala, kupatula mankhwala omwe mumalandira. Ngati muli ndi Original Medicare, Medicare Part B ndi yomwe imafikira 80% ya MRI yanu, ngati ikukwaniritsa zomwe zalembedwa pamwambapa.

Medicare Gawo C (Medicare Advantage)

Medicare Part C amatchedwanso Medicare Advantage. Medicare Advantage ndi mapulani a inshuwaransi achinsinsi omwe amakhudza zomwe Medicare imakhudza komanso nthawi zina.

Ngati muli ndi dongosolo la Medicare Advantage, muyenera kulumikizana ndi omwe amakupatsani inshuwaransi mwachindunji kuti mudziwe kuchuluka kwa MRI yomwe mudzalipira.

Gawo la Medicare D.

Medicare Part D imafotokoza za mankhwala omwe mwalandira. Ngati mukufuna kumwa mankhwala ngati gawo la MRI yanu, monga mankhwala oletsa nkhawa kuti mukhale ndi MRI yotsekedwa, Medicare Part D itha kubweza ndalamazo.

Chithandizo cha Medicare (Medigap)

Medicare Supplement, yotchedwanso Medigap, ndi inshuwaransi yapadera yomwe mungagule kuti muwonjezere Medicare Yoyambirira. Medicare yapachiyambi imakhudza 80% ya mayeso opatsirana ngati ma MRIs, ndipo mukuyembekezeredwa kulipira 20% ina ya bilu, pokhapokha mutakumana kale ndi deductible yanu yapachaka.

Zolinga za Medigap zitha kuchepetsa kuchuluka kwa ngongole zomwe muli nazo muthumba la MRI, kutengera malingaliro anu ndi mtundu wanji wazofalitsa.

Kodi MRI ndi chiyani?

MRI imatanthawuza zojambula zamagetsi zamagetsi. Mosiyana ndi ma scan a CT omwe amagwiritsa ntchito ma X-ray, ma MRIs amagwiritsa ntchito mafunde amagetsi ndi maginito kuti apange chithunzi cha ziwalo zanu zamkati ndi mafupa.

Ma MRIs amagwiritsidwa ntchito pozindikira ndikupanga mapulani azithandizo zamatenda am'mimba, kuvulala kwa msana, kuvulala kwaubongo, zotupa, stroko ndi zina za mtima, multiple sclerosis, matenda a Alzheimer's, matenda am'mafupa, kuwonongeka kwa minofu, zolumikizana molumikizana, komanso zina zambiri zathanzi.

Ngati dokotala wanena kuti mukufuna MRI, mwina akuyesera kutsimikizira kuti ali ndi matendawa kapena kuti adziwe zambiri zomwe zimayambitsa matenda anu.

Mungafunike kuti gawo limodzi la thupi lanu liwoneke, lomwe limadziwika kuti MRI ya malekezero. Mwinanso mungafunike kuti gawo lalikulu la mwana wanu lisanthulidwe, lomwe limatchedwa MRI yotsekedwa.

Njira ziwirizi zimangodalira kugona kwa mphindi 45 nthawi imodzi pomwe maginito amapanga gawo lokuzungulira pomwe ma wayilesi amafalitsa chidziwitso kuti apange sikani. Malinga ndi kafukufuku yemwe adachitika mu 2009, azachipatala amavomereza kuti ma MRIs ndi njira zoopsa.

Makina a MRI saloledwa kuti awerenge zojambula zanu kapena kukupatsirani matenda, ngakhale mutha kuda nkhawa kwambiri ndi malingaliro awo. MRI yanu ikamalizidwa, zithunzizo zizitumizidwa kwa dokotala wanu.

• Pazaka 65 zakubadwa kwanu:Nthawi yolembetsa. Zaka zoyenerera kukhala ndi Medicare ndi zaka 65. Muli ndi miyezi itatu tsiku lanu lobadwa, mwezi wakubadwa kwanu, ndi miyezi itatu mutabadwa kuti mulembetse Medicare.
• Januwale 1 – Marichi 31:Nthawi yolembetsa. Kumayambiriro kwa chaka chilichonse, mumakhala ndi mwayi wolembetsa ku Medicare koyamba ngati simunachite izi mutakwanitsa zaka 65. Ngati mungalembetse nthawi yolembetsa, kufalitsa kwanu kumayamba pa Julayi 1.
• Epulo 1 – Juni 30:Kulembetsa kwa Medicare Part D. Ngati mwalembetsa ku Medicare nthawi yolembetsa, mutha kuwonjezera dongosolo la mankhwala (Medicare Part D) Epulo mpaka Juni.
• Okutobala 15 – Dis. 7:Tsegulani olembetsa. Iyi ndi nthawi yomwe mungapemphe kusintha kwa dongosolo lanu la Medicare Advantage, kusinthana pakati pa Medicare Advantage ndi Original Medicare, kapena kusintha zosankha za Medicare Part D.

Kutenga

Medicare yapachiyambi imalipira 80 peresenti ya mtengo wa MRI, bola ngati onse omwe adalamula ndi malo omwe amachitirako avomereze Medicare.

Njira zina za Medicare, monga mapulani a Medicare Advantage ndi Medigap, zitha kubweretsa mtengo wotsika mthumba wa MRI ngakhale wotsika.

Lankhulani ndi dokotala wanu ngati muli ndi nkhawa ndi zomwe kuyesa kwa MRI kudzawononga, ndipo musazengereze kufunsa kuyerekezera kochokera kutengera komwe mumapeza pa Medicare.

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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