Kodi Medicare Cover Yofunika Kuchotsa Opaleshoni?

Zamkati

• Ndi mbali ziti za Medicare zomwe zimaphimba m'malo mwake?
• Medicare Gawo A Kuphunzira
• Kuphimba kwa Medicare Part B
• Kuphimba kwa Medicare Part C
• Kupezeka kwa Medicare Part D
• Kuphunzira kwa Medigap
• Kodi ndalamazo zimakhala zotuluka m thumba motsatira njira ziti?
• Ndalama zoyambirira za Medicare
• Mtengo wa Medicare Part C
• Mtengo wa Medicare Part D
• Kodi ndingayembekezere chiyani pochitidwa opaleshoni yamapewa?
• Asanachitike
• Tsiku la ndondomekoyi
• Pambuyo pa ndondomekoyi
• Njira zina zochizira
• Jakisoni Cortisone
• Thandizo lakuthupi
• Kupweteka kumachepetsa
• Thandizo la cell cell
• Kutenga

• Kuchita opaleshoni m'malo mwake kumatha kupweteka ndikuchulukitsa kuyenda.
• Njirayi imayendetsedwa ndi Medicare, bola dokotala atatsimikizira kuti ndizofunikira kuchipatala.
• Medicare Part A imakhudza maopaleshoni ochiritsira, pomwe Medicare Part B imafotokoza njira zochiritsira odwala.
• Muyenera kulipira ndalama zina m'thumba kuti muchite opareshoni yama phewa, ngakhale mutafotokoza za Medicare.

Phewa lanu ndi cholumikizira chosunthika chomwe chimatha kuvulazidwa ndikutha. Phewa lowonongeka lingakhudze moyo wanu. Ngakhale zili choncho, kuchitidwa opaleshoni yamapewa nthawi zambiri kumakhala kosankhidwa.

Chifukwa Medicare sikuti imafotokoza maopareshoni osankhidwa, mwina mungakhale ndi nkhawa kuti mudzakhala ndi ululu kapena kulipirira opaleshoni mthumba. Koma Medicare, imalipira gawo lina la ndalama ngati dokotala anena kuti opaleshoni yopanga opaleshoni ndiyofunika kuchipatala kwa inu.

Ndi mbali ziti za Medicare zomwe zimaphimba m'malo mwake?

Mungafunike kuchitidwa opaleshoni yamapewa kuti mukonze phewa lanu kapena kuti muchepetse kuwonongeka.

Dokotala wanu adzafunika kutsimikizira kuti opareshoni yanu imafunika kuchiritsa kapena kupewa kuwonongeka komwe kumachitika chifukwa cha matenda, monga nyamakazi. Dokotala ameneyu ayenera kulembetsa ndikuvomerezedwa ndi Medicare.

Mtundu wa opaleshoni yomwe mungafune umadalira pazinthu zingapo, kuphatikiza kukula kwa phewa lanu. Mitundu ina yodziwika ya maopareshoni amapewa ndi awa:

• Opaleshoni ya makapu a Rotator. Kukonzekera kwa makapu a Rotator kumatha kuchitidwa mwaukadaulo kapena ngati opaleshoni yotseguka.
• Opaleshoni ya labrum. Izi nthawi zambiri zimachitidwa mozungulira.
• Kuchita opaleshoni ya nyamakazi. Izi zimachitidwa mozungulira koma zimatha kuchitidwa opaleshoni yotseguka ngati phewa lanu ndi lowopsa.
• Kukonzanso kwa mapewa. Mtundu wa opareshoni wofunikirayo udzatsimikiziridwa ndi malo komanso kulimba kwa fracture kapena fractures.

Kenako, tiwona zomwe zikupezeka pagawo lililonse la Medicare.

Medicare Gawo A Kuphunzira

Opaleshoni yotseguka ndi njira yovuta yomwe imafuna kuti dokotalayo azicheka kwambiri kuti akonze kapena kusintha phewa lanu.

Ngati malo anu otseguka akuyenera kuchipatala, Medicare Part A idzapeza gawo limodzi la mtengo. Gawo A ndi gawo limodzi la Medicare yoyambirira.

Gawo A lithandizanso mankhwala aliwonse omwe mungalandire mukakhala kuchipatala, malo oyamwitsa aluso, kapena malo othandizira. Koma ndikofunikira kudziwa kuti pali malire kwa nthawi yayitali kuti Medicare ikwaniritse zokhalira kuchipatala chilichonse.

Kuphimba kwa Medicare Part B

Kuchita opaleshoni yamapazi kumathandizanso kuchita arthroscopically. Kuchita opaleshoni kotereku kumachepa pang'ono ndipo kumachitika kuchipatala kapena kuchipatala chonyamula anthu wamba kuchipatala.

Ngati muli ndi phazi lam'maso, dokotala wanu amatha kudula pang'ono paphewa lanu ndikuyika kamera yaying'ono pamenepo. Kudzera pachinthu china chaching'ono, dokotalayo amakonza kapena kusintha mbali zina za phewa lanu.

Ngati opaleshoni yanu yothandizira pamagetsi ndiyofunika kuchipatala, Medicare Part B ipeza gawo lina la mtengo. Gawo B ndiye gawo lina la Medicare yoyambirira.

Gawo B limakhudzanso zinthuzi ndi mautumiki, ngati kuli kofunikira:

• madokotala anu onse omwe amakuikani musanachite opaleshoni kapena pambuyo pake
• chithandizo chamankhwala kutsatira opaleshoni, chomwe mungafune ngakhale mutakhala ndi njira yanji
• Zipangizo zilizonse zolimba zomwe mungafune mutachitidwa opaleshoni, monga gulaye yamanja

Kuphimba kwa Medicare Part C

Ngati muli ndi Medicare Part C (Medicare Advantage), mapulani anu adzakwaniritsa zonse zolipiridwa ndi Medicare yoyambirira (gawo A ndi B). Kutengera mapulani anu, itha kuphatikizaponso mankhwala omwe mumalandira.

Kuti ndalama zanu zakuthumba zisachepe, ndikofunikira kugwiritsa ntchito ma network ndi ma pharmacies ngati muli ndi gawo la C.

Kupezeka kwa Medicare Part D

Mankhwala aliwonse omwe muyenera kulandira mukamachita opareshoni, monga mankhwala opweteka, adzakonzedwa ndi Medicare Part D. Gawo D ndizolemba mankhwala omwe mungapereke kudzera mu Medicare.

Dongosolo lirilonse la Gawo D limaphatikizapo zolemba. Ili ndi mndandanda wa mankhwala omwe dongosololi limakhudza komanso kuchuluka kwa zomwe mungayembekezere.

Kuphunzira kwa Medigap

Ngati muli ndi Medicare yoyambirira, mukhozanso kukhala ndi dongosolo la Medigap. Kutengera pulani yanu, a Medigap atha kulipira ndalama zotsala zomwe zilipo pochotsa opaleshoni yamapewa. Izi zitha kuphatikizira ma copays anu, ma coinsurance, ndi ma deductibles.

Medigap imakhudza zolipira zamankhwala kudzera mu Gawo D. Komabe, zindikirani kuti mapulani ambiri saloledwa kubweza gawo la B B.

Kodi ndalamazo zimakhala zotuluka m thumba motsatira njira ziti?

Kungakhale kovuta kuwerengera ndalama zomwe muli nazo musanachite. Ofesi yolipiritsa ya dokotala wanu iyenera kukupatsani chiyerekezo cholembedwa cha zomwe mungayembekezere. Izi nthawi zambiri zimaphatikizapo ndalama zambiri, kutengera ntchito zomwe mungafune komanso mutangochita izi.

Ndalama zoyambirira za Medicare

Pali ndalama zakuthumba zomwe mungayembekezere, ngakhale mutakhala ndi Medicare. Izi zikuphatikiza:

• Pochita opareshoni ya kuchipatala, gawo lanu la kuchipatala chodwala limachotsedwa $ 1,408. Izi zikukhudza masiku 60 oyambilira a chisamaliro cha odwala omwe ali ndi chipatala chamankhwala munthawi yopindulitsa.
• Ngati mukufuna kukhala nthawi yayitali, mudzalipira ndalama zandalama zokwanira $ 352 tsiku lililonse kuyambira tsiku 61 mpaka tsiku 90 munthawi yopindulitsa ndi $ 704 tsiku lililonse masiku aliwonse osungira omwe mumagwiritsa ntchito.
• Mukakhala kumalo osungirako anthu okalamba, ndalama zanu zatsiku ndi tsiku zimadula kuyambira 21 mpaka tsiku 100 munthawi yopindulitsa zingakhale $ 176 patsiku.
• Pochita opareshoni ya kunja, muli ndi udindo wokumana ndi Gawo B pachaka lochotseredwa $ 198, komanso ndalama zomwe mumalandira mwezi uliwonse, zomwe ndi $ 144.60 kwa anthu ambiri mu 2020.
• Mulipira 20% ya mtengo wovomerezeka ndi Medicare wothandizira odwala kuchipatala.
• Mulipiranso 20 peresenti ya ndalamazo pazida zilizonse zolimba zamankhwala ndi maimidwe amthupi.

Mtengo wa Medicare Part C

Ngati muli ndi Medicare Part C, ndalama zanu zimasiyana kutengera mtundu wamapulani omwe muli nawo. Wogulitsa inshuwaransi akhoza kukupatsirani tsatanetsatane wazomwe mungafotokozere komanso zomwe mungachite posachedwa. Nthawi zambiri, mutha kuyembekezera kulipira mtundu wina wa copay.

Ngakhale mutakhala ndi mtundu wanji wa Gawo C, mwalamulo pamafunika kuti mapulani anu azikhala pafupifupi Medicare yoyambirira. Izi zikuphatikiza mtengo wa kuchipatala kapena kuchipatala.

Mtengo wa Medicare Part D

Ngati muli ndi Medicare Part D, ndalama zanu zidzasiyana malinga ndi dongosolo lomwe muli nalo. Mutha kukhala ndi ndalama zolipirira mankhwala aliwonse omwe angakupatseni.

Mtengo wa mankhwalawa umayikidwa ndi dongosolo lanu la formulary ndi tier system. Wopereka mapulani anu akhoza kukudziwitsani zomwe muyenera kuyembekezera kulipira mankhwala aliwonse pasanapite nthawi.

Medicare ili ndi chida chofufuzira mitengo, chomwe chingakuthandizeni kudziwa mtengo wa kuchipatala. Kuti mupeze zotsatira zolondola kwambiri, funsani dokotala wanu dzina lenileni la ndondomekoyi kapena nambala ya opaleshoniyo.

Kodi ndingayembekezere chiyani pochitidwa opaleshoni yamapewa?

Asanachitike

Gawo loyamba ndikuwonetsetsa kuti muli ndi thanzi lokwanira kuti muchite opaleshoni yamapewa. Masabata angapo tsiku lanu la opaleshoni lisanachitike, dokotala wanu amakupatsani mayeso kuti muwone mtima wanu komanso thanzi lanu. Nthawi imeneyo, adotolo angakulimbikitseni kuti musiye kumwa mankhwala, monga opopera magazi.

Kuchita opaleshoni kungakhale kovuta kwa anthu ambiri. Yesetsani kumasuka momwe mungathere ndikugona mokwanira usiku watha.

Tsiku la ndondomekoyi

Dokotala wanu adzakudziwitsani nthawi yomwe muyenera kusiya kudya ndi kumwa musanachite opaleshoni. Ngati mumamwa mankhwala tsiku lililonse m'mawa, funsani dokotala ngati muyenera kumwa tsiku lomweli.

Ngati mukuchitidwa opaleshoni yotseguka, muyenera kukhala okonzeka kukhala masiku angapo mchipatala. Bweretsani chilichonse chomwe chingakupangitseni kukhala omasuka, monga buku labwino kuwerenga, foni yanu, ndi chojambulira foni.

Pafupifupi ola limodzi kuti achite izi, dokotala wazamankhwala adzakuyesani. Mudzakumananso ndi dokotala wanu wa opaleshoni, yemwe adzakufotokozerani njirayi mozama. Gwiritsani ntchito nthawi ino kufunsa mafunso aliwonse omwe muli nawo.

Nthawi yomwe amafunikira kuchitidwa opaleshoni yamapewa imasiyanasiyana, koma nthawi zambiri zimatenga maola awiri kapena atatu. Mudzuka m'chipinda chobwezeretsera, komwe mudzakhaleko kwakanthawi.

Ngati opaleshoni yanu idachitidwa mwachipatala, mudzatengedwera kuchipinda chanu mutatha maola angapo mukuchira. Ngati opareshoni yanu idachitidwa kuchipatala, mudzafunika wina woti adzakutengeni mukamasulidwa.

Pambuyo pa ndondomekoyi

Monga opaleshoni iliyonse, zowawa kapena zovuta zimatha kuyembekezeredwa. Dokotala wanu adzakupatsani mankhwala opweteka kuti akuthandizeni. Mutha kulangizidwa kuti muzimwa mankhwala anu munthawi inayake kapena ululu wanu usanawonjezeke. Muthanso kuuzidwa kuti mupake ayezi kuderalo.

Mudzamasulidwa ndi mkono wanu mu gulaye, zomwe mungauzidwe kuvala kwa milungu ingapo.

Thandizo lakuthupi nthawi zambiri limayamba nthawi yomweyo, nthawi zina ngakhale patsiku la ndondomekoyi. Kugwiritsa ntchito phewa lanu monga momwe mwalangizira kudzakuthandizani kuyenda mofulumira. Dokotala wanu adzakupatsani mankhwala kuti mupitirize kulandira chithandizo chamankhwala malinga ngati ndikofunikira

Phewa lanu ndi mkono ayamba kusintha pang'onopang'ono. Pakadutsa milungu iwiri kapena isanu ndi umodzi, mutha kuyembekezera kuti mudzawona ndikuwona kusintha kwakukulu ndipo mutha kuyambiranso ntchito zambiri zatsiku ndi tsiku.

Zingatenge nthawi yayitali kuti muyendetse galimoto kapena kusewera masewera, ngakhale. Simungathe kunyamula phukusi lolemera kwa miyezi ingapo. Zitha kutenga miyezi 6 kapena kupitilira apo kuti musayende bwino paphewa.

Kusintha kwamapewa kumatha zaka 15 mpaka 20.

Njira zina zochizira

Pokhapokha mutakhala ndi chovulala chomwe chimafuna kukonzedwa msanga, monga fupa losweka kapena lophwanyika, dokotala wanu angakulimbikitseni kuyesa njira zina zopangira opaleshoni poyamba.

Jakisoni Cortisone

Zipolopolo za Cortisone zitha kugwiritsidwa ntchito kuti muchepetse kupweteka komanso kutupa pagulu. Nthawi zambiri amapatsidwa ofesi ya dokotala ndipo amayenera kuperekedwa ndi dokotala wovomerezeka ndi Medicare kuti aphimbe.

Ambiri mwa gawo D ndi Gawo C amakonza jakisoni wa cortisone. Magawo ena a bilu yanu, monga ndalama zoyendetsera ndalama, atha kulipidwa ndi Gawo B.

Thandizo lakuthupi

Thandizo lakuthupi limatha kuthandizira kupweteka, kuyenda, komanso kukhazikika kwa olowa. Magawo azithandizo lamankhwala amafunikira ndi Medicare Part B, bola ngati muli ndi mankhwala ochokera kwa dokotala wovomerezeka ndi Medicare. Muyeneranso kugwiritsa ntchito mankhwala ovomerezeka a Medicare.

Kupweteka kumachepetsa

Mankhwala amtundu wa ululu amaphimbidwa ndi magawo ambiri a D ndi Gawo C. Zina mwa mapulani a Gawo C zimakhudzanso mankhwala omwe amagulitsidwa kuti azipweteka.

Thandizo la cell cell

Chithandizochi chitha kulimbikitsidwa pamisana yochepa kapena misonzi. Zikhozanso kutonthozedwa kuti ziwonongeke. Koma pakadali pano sivomerezedwa ndi a FDA, zomwe zikutanthauza kuti sikuti ili ndi gawo lililonse la Medicare.

Kutenga

• Kuchita opaleshoni yamapazi ndi njira imodzi yothetsera ululu ndikuwonjezera kuyenda. Muthanso kuyesa mankhwala osachiritsika.
• Medicare imakhudza njira zosinthira mapewa azachipatala komanso zapachipatala, bola ngati akuwona kuti ndizofunikira kuchipatala.
• Gawo lirilonse la Medicare likhala ndi njira zosiyanasiyana, ntchito, mankhwala, ndi zinthu zomwe mungafune munthawi yonseyi.
• Ndalama zotulutsira mthumba ndikutulutsa koyambirira kwa Medicare ndizosavuta. Ndi gawo C, Gawo D, kapena kufotokozera kwa Medigap, mungafune kutsimikizira kuchuluka kwa ndalama ndi zomwe mumapereka ndi omwe amakupatsani mapulani.