Kodi Medicare imaphimba kusamalira ululu?

Zamkati

• Kodi Medicare imaphimba chiyani pakuwongolera ululu?
• Medicare Gawo B
• Gawo la Medicare D.
• Kusamalira ululu mukamalandira chithandizo chamankhwala
• Kuyenerera kolemba
• Mtengo wa Medicare Part A
• Mtengo wa Medicare Part C
• Chithandizo cha kuchipatala
• Kuyenerera kolemba
• Mtengo wa Medicare Part B
• Mankhwala
• Mankhwala osokoneza bongo
• Mankhwala osokoneza bongo (OTC)
• Chifukwa chiyani ndingafunike kusamalira zowawa?
• Njira zina zothandizira kupweteka
• Kutenga

• Medicare imagwiritsa ntchito mankhwala osiyanasiyana ndi ntchito zomwe zimagwiritsidwa ntchito poyang'anira ululu.
• Mankhwala omwe amathetsa ululu amapezeka pansi pa Medicare Part D.
• Njira zochiritsira zowawa zimaphimbidwa ndi Medicare Part B.
• Mapulani a Medicare Advantage amathandiziranso mankhwala ndi ntchito zomwezo monga gawo B ndi D.

Mawu oti "kasamalidwe ka ululu" atha kuphatikizira zinthu zosiyanasiyana. Anthu ena angafunike kusamalira ululu kwakanthawi kochepa atachitidwa opaleshoni kapena atavulala. Ena angafunike kuthana ndi ululu wosatha kwakanthawi ngati matenda a nyamakazi, fibromyalgia, kapena ma syndromes ena opweteka.

Kusamalira ululu kumatha kukhalaokwera mtengo kotero mwina mungakhale mukuganiza ngati Medicare ikuphimba. Medicare imafotokoza zambiri zamankhwala ndi ntchito zomwe mungafune pakuwongolera ululu.

Pemphani kuti muphunzire magawo a Medicare omwe amafotokoza zamankhwala ndi ntchito zosiyanasiyana, ndalama zomwe mungayembekezere, ndi zina zambiri zamankhwala omwe amatha kupewedwa.

Kodi Medicare imaphimba chiyani pakuwongolera ululu?

Medicare imapereka chithandizo chamankhwala ambiri ndi ntchito zomwe zimafunikira kuti muchepetse ululu. Nayi chiwonetsero chazaka zomwe zimafotokoza ndi mankhwala omwe akuphatikizidwa.

Medicare Gawo B

Medicare Part B, inshuwaransi ya zamankhwala, ithandizira izi:

• Kusamalira mankhwala. Musanavomereze musanadzaze mankhwala opweteka. Muthanso kupatsidwa zochepa.
• Ntchito zophatikizira azaumoyo. Nthawi zina, anthu omwe ali ndi ululu wopweteka amatha kukhala ndi mavuto ndi nkhawa komanso kukhumudwa. Medicare imafotokoza zaumoyo wamakhalidwe kuti athandizire kuthana ndi izi.
• Thandizo lakuthupi. Pazovuta zonse zopweteka komanso zopweteka, mankhwala amatha kuperekedwa ndi dokotala kuti akuthandizeni kuthana ndi ululu wanu.
• Thandizo lantchito. Chithandizo chamtunduwu chimakuthandizani kuti mubwererenso kuzinthu zanu zatsiku ndi tsiku zomwe simungathe kuchita mukamamva kuwawa.
• Kusokoneza msana kwa msana. Gawo B limakhudza kugwiritsidwa ntchito kochepera kwa msana ngati kuli koyenera kuthana ndi vuto la kugonja.
• Mowa umagwiritsa ntchito molakwika kuwunika ndi upangiri. Nthawi zina, kupweteka kosalekeza kumatha kubweretsa kugwiritsa ntchito mankhwala osokoneza bongo. Medicare imakhudza kuwunika komanso upangiri wa izi.

Gawo la Medicare D.

Medicare Part D (Kupatsidwa mankhwala ndi mankhwala) kudzakuthandizani kulipira mankhwala ndi mapulogalamu anu kuti muzitha kuwayang'anira. Mapulogalamu oyang'anira zamankhwala amaphimbidwa ndipo amatha kupereka chithandizo pakuwunika zosowa zathanzi. Kawirikawiri, mankhwala opweteka a opioid, monga hydrocodone (Vicodin), oxycodone (OxyContin), morphine, codeine, ndi fentanyl, amapatsidwa kuti athetse vuto lanu.

Kusamalira ululu mukamalandira chithandizo chamankhwala

Mutha kulandira zowawa ngati mukudwala kuchipatala kapena kuchipatala kwa nthawi yayitali pazifukwa izi:

• Ngozi yagalimoto kapena kuvulala kwakukulu
• opaleshoni
• chithandizo cha matenda aakulu (mwachitsanzo, khansa)
• chisamaliro chakumapeto kwa moyo (hospice)

Mukaloledwa kupita kuchipatala, mungafunike mautumiki osiyanasiyana kapena othandizira kuti muchepetse ululu wanu, kuphatikizapo:

• epidural kapena jakisoni wina wamtsempha
• mankhwala (onse osokoneza bongo komanso osagwiritsa ntchito mankhwala osokoneza bongo)
• chithandizo pantchito
• chithandizo chamankhwala

Kuyenerera kolemba

Kuti muyenerere kufotokozedwa, muyenera kulembedwa mu dongosolo loyambirira la Medicare kapena dongosolo la Medicare Part C (Medicare Advantage). Kukhala kwanu kuchipatala kuyenera kuonedwa kuti ndikofunikira kuchipatala ndi dokotala ndipo chipatalacho chikuyenera kutenga nawo mbali ku Medicare.

Mtengo wa Medicare Part A

Medicare Part A ndi inshuwaransi yanu yachipatala. Mukaloledwa kupita kuchipatala, mudzakhala ndi ndalama zotsatirazi mu Gawo A:

• $1,408 deductible nthawi iliyonse yopindulitsa isanachitike
• $0 chitsimikizo chandalama nthawi iliyonse yamasiku 60
• $352 chitsimikizo chatsiku ndi tsiku patsiku lililonse lopindulitsa kwa masiku 61 mpaka 90
• $704 chitsimikizo cha ndalama patsiku lililonse lamasiku 90 patsiku lililonse (mpaka masiku 60 pa moyo wanu wonse)
• 100% ya mtengo kupitirira masiku anu osungira moyo

Mtengo wa Medicare Part C

Ndalama pansi pa dongosolo la Medicare Part C zidzakhala zosiyana ndipo zimadalira dongosolo lomwe muli nalo komanso kuchuluka kwa zomwe mwasankha. Zomwe muli nazo mu gawo la Gawo C ziyenera kukhala zofanana ndi zomwe Medicare yoyambirira imakwirira.

Chithandizo cha kuchipatala

Mitundu ina yothandizira kupweteka kwakunja imaphatikizidwanso pansi pa Medicare Part B. Izi zimaphatikizapo zinthu monga:

• kasamalidwe ka mankhwala
• kusokoneza msana, ngati kuli kofunikira kuchipatala
• Majakisoni akunja (jakisoni wa steroid, jakisoni wa epidural)
• transcutaneous magetsi mitsempha kukondoweza (TENS) ululu pambuyo pa opaleshoni
• autogenous epidural blood graft (chigamba chamagazi) chamutu mutatha kupopera kapena msana

Kuyenerera kolemba

Asanachitike ntchitoyi, dokotala amene adalembetsa ku Medicare ayenera kutsimikizira kuti ndizofunikira kuchipatala kuti athetse vuto lanu.

Mtengo wa Medicare Part B

Pansi pa Medicare Part B, muli ndi udindo wolipira:

• An $198 deductible yapachaka, yomwe imayenera kukumana chaka chilichonse asanalandire chithandizo chilichonse chamankhwala
• Kulipira kwanu pamwezi, komwe kuli $144.60 kwa anthu ambiri mu 2020

Mankhwala

Mankhwala osokoneza bongo

Medicare Part D imapereka chithandizo chamankhwala. Onsewa Gawo D ndi ena mwa Medicare Part C / Medicare Advantage akukonzekera mankhwala ambiri omwe angaperekedwe kuti athe kupweteka. Ndondomekozi zitha kuphatikizanso mapulogalamu oyendetsera mankhwala ngati muli ndi zosowa zambiri zovuta.

Mankhwala omwe angagwiritsidwe ntchito poyang'anira zowawa amaphatikizapo, koma sikuti amangokhala:

• mankhwala opweteka a narcotic monga Percocet, Vicodin, kapena oxycodone
• gabapentin (mankhwala opweteka m'mitsempha)
• celecoxib (mankhwala odana ndi zotupa)

Mankhwalawa amapezeka mumafomu a generic komanso dzina lodziwika. Mankhwala omwe amaphimbidwa amatengera dongosolo lanu. Mtengo umasiyanasiyana malinga ndi mapulani, monganso kuchuluka kwa mankhwala osiyanasiyana. Ndalamazo zimatengera dongosolo lanu, lomwe limagwiritsa ntchito gawo logawika mankhwala kukhala okwera, apakati, komanso otsika.

Ndikofunika kupita kwa omwe akutenga nawo mbali pazachipatala ndi mankhwala kuti mukalandire mankhwala a Medicare Part D. Pa Gawo C, muyenera kugwiritsa ntchito omwe akupereka ma network kuti mupeze zabwino zonse.

Wothandizira zaumoyo wanu ayenera kukupatsani zosankha zingapo kuti muchepetse ululu wanu, osati mankhwala osokoneza bongo okha. Ndi kuchuluka kwa opioid overdoses m'zaka zaposachedwa, kutsindika kwakukulu kukuyikidwa pakugwiritsa ntchito mankhwala osokoneza bongo.

Kungakhale koyenera kupeza lingaliro lachiwiri kuti muwone ngati zosankha zina zosagwiritsa ntchito mankhwala osokoneza bongo, monga chithandizo chamankhwala, zitha kuthandizira matenda anu.

Mankhwala osokoneza bongo (OTC)

Mankhwala a OTC omwe atha kugwiritsidwa ntchito pakuwongolera ululu ndi awa:

• acetaminophen
• ibuprofen
• naproxen
• zigamba za lidocaine kapena mankhwala ena apakhungu

Medicare Part D siyikunena za mankhwala a OTC, mankhwala okhawo omwe mwalandira. Zina mwa mapulani a Part C atha kuphatikizira cholowa cha mankhwalawa. Fufuzani ndi pulani yanu yokhudzana ndi kufalitsa komanso kumbukirani izi mukamagula dongosolo la Medicare.

Chifukwa chiyani ndingafunike kusamalira zowawa?

Kusamalira ululu kumaphatikizapo chithandizo, mankhwala, ndi ntchito zomwe zimagwiritsidwa ntchito pochiza ululu wopweteka kwambiri. Kupweteka kwambiri kumakhudzana ndi matenda kapena kuvulala kwatsopano. Zitsanzo za zowawa zazikulu ndizo:

• ululu pambuyo pa opaleshoni
• ululu pambuyo pangozi yagalimoto
• kuthyoka fupa kapena bondo
• kupweteka kojambula

Zitsanzo za zowawa zosaphatikizira ndi izi:

• khansa ululu
• fibromyalgia
• nyamakazi
• ma disc a herniated kumbuyo kwanu
• matenda opweteka kwambiri

Njira zina zothandizira kupweteka

Kuphatikiza pa mankhwala opweteka ndi chithandizo chamankhwala, pali njira zina zothetsera ululu wosatha. Anthu ambiri amasangalala ndi mankhwalawa:

• kutema mphini, komwe kwenikweni kukuphimbidwa ndi Medicare kwa anthu omwe ali ndi vuto la kupweteka kwakumbuyo
• CBD kapena mafuta ena ofunikira
• kuzizira kapena kutentha

Zambiri mwa izi sizikuphimbidwa ndi Medicare koma fufuzani ndi pulani yanu kuti muwone ngati mankhwalawo akuphimbidwa.

Kutenga

• Njira zochiritsira zowawa zimathandizidwa ndi mapulani ambiri a Medicare ngati ali ovomerezeka ngati achipatala ndi othandizira azaumoyo.
• Kupezeka kwa Medicare Advantage kumatha kukhala kosiyana ndi mapulani ake, chifukwa chake onetsetsani kuti mufunsane ndi omwe amakupatsirani inshuwaransi pazomwe zalembedwa.
• Pali njira zina zambiri zomwe mungafufuze kuti muchepetse ululu kupatula mankhwala opweteka a narcotic.

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.