Kodi Medicare imaphimba kukonzanso kwamapapo?

Zamkati

• Kuphimba kwa Medicare pakukonzanso kwamapapu
• Ndi zofunikira ziti zomwe ndikufunika kuti ndikwaniritse?
• Ndiziyembekezera zotani?
• Medicare Gawo B
• Medicare Gawo C
• Kusinkhasinkha
• Kodi kukonzanso mapapu kumandiyenera?
• Kutenga

• Kukonzanso m'mapapo ndi pulogalamu yothandizira odwala yomwe imapereka chithandizo, maphunziro, ndi chithandizo kwa anthu omwe ali ndi COPD.
• Kuphunzira njira zopumira bwino komanso kuchita masewera olimbitsa thupi ndizofunikira pakukonzanso kwamapapu.
• Pali zifukwa zina zomwe muyenera kukwaniritsa ku Medicare kuti muthe kukwaniritsa mapulogalamu anu okonzanso mapapu.
• Medicare Part B imalipira 80% ya mtengo wa ntchitozi, bola ngati mukuyenera kulandira chithandizo.

Ngati muli ndi matenda opatsirana kwambiri (COPD), Medicare Part B idzalipira ndalama zambiri pakukonzanso mapapo.

Kubwezeretsa m'mapapo ndi pulogalamu yotsogola, yothandizira odwala yomwe imaphatikiza maphunziro ndi zolimbitsa thupi komanso kuthandizira anzawo. Pakukonzanso kwamapapu, muphunzira zambiri za ntchito ya COPD ndi mapapo. Muphunziranso masewera olimbitsa thupi omwe adapangidwa kuti akuthandizeni kukhala ndi mphamvu komanso kupuma bwino.

Thandizo la anzanu ndi gawo lofunikira pakukonzanso kwamapapo. Kutenga nawo mbali m'magulu am'magulu kumapereka mwayi wolumikizana ndi kuphunzira kuchokera kwa anthu ena omwe ali ndi vuto lofanana ndi lanu.

Dongosolo lokonzanso mapapu lingapangitse moyo wabwino kwa anthu omwe ali ndi COPD Werengani kuti mudziwe zambiri pazomwe Medicare imakhudza, momwe angakwaniritsire kufalitsa, ndi zina zambiri.

Kuphimba kwa Medicare pakukonzanso kwamapapu

Olandira a Medicare amafunsidwa kuti akalandire chithandizo chamankhwala chakuchipatala kudzera mu Medicare Part B. Kuti mukhale woyenera, muyenera kutumizidwa ndi dokotala yemwe akuchiza COPD yanu. Mutha kulumikizana ndi ma pulmonary rehab kuofesi ya adotolo, ku chipatala cha freestanding, kapena kuchipatala cha odwala.

Ngati muli ndi dongosolo la Medicare Advantage (Medicare Part C), kufotokozera kwanu kukonzanso mapapu kungafanane ndi komwe mungapeze ndi Medicare yoyambirira. Komabe, mitengo yanu itha kukhala yosiyana, kutengera dongosolo lomwe muli nalo. Mwinanso mungafunike kugwiritsa ntchito madokotala kapena malo ena mkati mwa netiweki yanu.

Medicare nthawi zambiri imaphimba magawo 36 obwezeretsa m'mapapo. Komabe, dokotala wanu atha kupempha kufotokozedwa mpaka magawo 72 ngati akuwona kuti ndiofunikira kuchipatala kuti muthandizidwe.

Ndi zofunikira ziti zomwe ndikufunika kuti ndikwaniritse?

Kuti muyenerere kulandira chithandizo chokhudzana ndi kukonzanso mapapu, muyenera kulembetsa ku Medicare yoyambirira (gawo A ndi B) ndikukhala munthawi yomwe mumalandira. Muthanso kulembetsa dongosolo la Medicare Advantage (Gawo C).

Dokotala amene akukuthandizani ku COPD akuyenera kukutumizirani kuti mukhazikitsidwe m'mapapo ndi kunena kuti ntchitozi ndizofunikira kuthana ndi vuto lanu.

Kuti muwone momwe COPD yanu ilili yovuta, dokotala wanu adzazindikira gawo lanu la GOLD (Global Initiative for Chronic Obstructive Lung Disease). Magawo a COPD GOLD ndi awa:

• siteji 1 (yofatsa kwambiri)
• gawo 2 (pang'ono)
• siteji 3 (yovuta)
• siteji 4 (yovuta kwambiri)

Medicare imakuwona kuti ndiwe woyenera kukonzanso mapapu ngati COPD yanu ili gawo lachiwiri mpaka gawo lachinayi.

Kuti mulandire chithandizo chokwanira, onetsetsani kuti dokotala wanu ndi malo omwe akukonzedweratu avomereze ntchito ya Medicare. Mutha kugwiritsa ntchito chida ichi kufunafuna dokotala wovomerezeka wa Medicare kapena malo omwe ali pafupi nanu.

Ndiziyembekezera zotani?

Medicare Gawo B

Ndi Medicare Part B, mudzalipira kuchotsera $ 198 pachaka, komanso kulipiritsa pamwezi. Mu 2020, anthu ambiri amalipira $ 144.60 pamwezi pa Gawo B.

Mukakumana ndi Gawo B deductible, mumangoyang'anira 20% ya mtengo wovomerezeka ndi Medicare pakubwezeretsa kwanu m'mapapo. Ntchito zomwe mumalandira kuchipatala zitha kufunanso kuti mupereke ndalama kuchipatala mukamakumananso ndi gawo lokonzanso.

Nthawi zina, dokotala wanu angakulimbikitseni kuti mukhale ndi magawo ambiri okonzanso kuposa omwe Medicare akufuna kulipira. Ngati ndi choncho, mutha kulipira mtengo wonse wamagawo owonjezera.

Medicare Gawo C

Ngati muli ndi dongosolo la Medicare Advantage, mitengo yanu ya deductibles, copays ndi premiums zitha kukhala zosiyana. Lumikizanani ndi pulani yanu mwachindunji kuti mudziwe kuti mudzalipidwa ndalama zingati pantchitozi kuti musadabwe pambuyo pake.

Kusinkhasinkha

Mapulani a Medigap (Medicare supplement) atha kulipira ndalama zakuthumba kuchokera ku Medicare yoyambirira. Ngati muli ndi matenda osachiritsika, Medigap itha kukhala yopindulitsa kuti muchepetse ndalama zomwe muli nazo mthumba. Mutha kuyerekezera mapulani a Medigap kuti mupeze imodzi yomwe ingakuthandizeni kwambiri.

Kodi kukonzanso mapapu kumandiyenera?

COPD ndi gulu la matenda osachiritsika, am'mapapo. Matenda omwe amapezeka kwambiri pansi pa COPD amakhala ndi bronchitis yanthawi yayitali komanso emphysema.

Kubwezeretsa m'mapapo kumakhala ndi maubwino ambiri ndipo kungakuthandizeni kuphunzira kusamalira zizindikiro zanu za COPD. Ikhoza kukuthandizaninso kusintha kusintha kwa moyo wanu kuti muchepetse zizindikilo zanu kapena mwina kuchepa kwa matenda.

Mapulogalamuwa akukonzanso moyo wabwino komanso kudziyimira pawokha kwa iwo omwe ali ndi COPD. Ayeneranso kupereka chithandizo chazokha, chokhazikitsidwa ndi umboni, chothandizirana ndimitundu ingapo chomwe chimaphatikizapo:

• dongosolo lochita masewera olimbitsa thupi loyang'aniridwa ndi dokotala
• dongosolo la chithandizo cha payekha
• maphunziro ndi maphunziro pa kasamalidwe kazizindikiro, mankhwala, komanso kugwiritsa ntchito mpweya
• kuwunika kwamalingaliro
• kuwunika zotsatira

Mapulogalamu ena obwezeretsa m'mapapo atha kuphatikizanso:

• malangizo othandizira makonda
• thandizani kuchepetsa nkhawa
• pulogalamu yosiya kusuta
• Thandizo la anzanu komanso kulumikizana ndi odwala ena a COPD

Rehab ikhoza kukupatsani mwayi wokumana ndi kulumikizana ndi anthu ena omwe akuchita ndi COPD. Njira zothandizira izi zitha kukhala zofunikira kwambiri.

Kutenga

• Kubwezeretsa m'mapapo kumatha kukhala kopindulitsa kwambiri kwa anthu omwe ali ndi COPD. Amapereka maphunziro apadera, chithandizo, ndi njira zothanirana ndi zizindikiro za COPD.
• Mudzaphimbidwa pamisonkhano yokonzanso mapapu, ngati dokotala wovomerezeka ndi Medicare akupatseni mwayi wothandizidwa.
• Kumbukirani kuti ndalama zimatha kusiyanasiyana kutengera mtundu wa Medicare womwe muli nawo.