The 'Welcome to Medicare' Thupi: Kodi Ndi Lopanganadi?

Zamkati

• Kodi Takulandirani chiyani kuulendo wopewera ku Medicare?
• Mbiri yachipatala komanso chikhalidwe
• Kuyesa
• Chitetezo ndi kuwunika pazowopsa
• Maphunziro
• Zomwe Mwalandiridwa ku Medicare zodzitetezera SIZO
• Ulendo wapachaka wathanzi
• Ndani angakulandireni ku Medicare?
• Ndi ziti zina zodzitetezera zomwe Medicare amabisa?
• Kuyesa kuyezetsa magazi Medicare imakwirira
• Katemera
• Ntchito zina zodzitetezera
• Mfundo yofunika

Kusamala ndikofunikira pothandiza kuzindikira ndi kupewa matenda osiyanasiyana mmoyo wanu wonse. Ntchitozi zimatha kukhala zofunika kwambiri mukamakula.

Mukayamba Medicare, ndinu oyenera kukhala ndi "Welcome to Medicare" njira yodzitetezera. Paulendowu, adotolo adzawunikanso mbiri yanu yazachipatala ndikupatsirani zidziwitso zamankhwala osiyanasiyana.

Kubwera kwa Welcome to Medicare kunagwiritsidwa ntchito ndi anthu kuyambira pa Medicare mu 2016.

Koma nchiyani makamaka chomwe sichikuphatikizidwa paulendo uno? Nkhaniyi ikufufuza mwatsatanetsatane za Welcome to Medicare.

Kodi Takulandirani chiyani kuulendo wopewera ku Medicare?

Medicare Part B imakhudza kulandiridwa kwakanthawi ku Medicare. Mutha kumaliza ulendowu mkati mwa miyezi 12 kuyambira Medicare.

Simulipira chilichonse mukalandiridwa ku Medicare pokhapokha mutapatsidwa ntchito zomwe sizinaphatikizidwe, monga kuyezetsa labotale komanso kuwunika zaumoyo.

Izi ndi zomwe Welcome to Medicare kuyendera zikuphatikizapo.

Mbiri yachipatala komanso chikhalidwe

Dokotala wanu adzawunikanso mbiri yanu yazachipatala komanso chikhalidwe chanu. Izi zitha kuphatikizira zinthu monga:

• matenda am'mbuyomu, matenda, kapena maopaleshoni omwe mudakumana nawo
• matenda aliwonse kapena zovuta zomwe zimachitika m'banja lanu
• mankhwala ndi zowonjezera zakudya zomwe mukutenga pano
• zochitika pamoyo wanu, monga zakudya zanu, kuchuluka kwa masewera olimbitsa thupi, komanso mbiri ya kusuta fodya kapena mowa

Kuyesa

Kuyesaku ndikofunikira:

• kujambula kutalika ndi kulemera kwanu
• kuwerengera index ya thupi lanu (BMI)
• kutenga magazi anu
• kuchita mayeso osavuta

Chitetezo ndi kuwunika pazowopsa

Dokotala wanu akhoza kugwiritsa ntchito mafunso kapena zida zowunikira kuti athandizire kudziwa zinthu monga:

• zizindikiro zilizonse zakumva
• chiopsezo chanu chakugwa
• chitetezo cha nyumba yanu
• chiopsezo chanu chokhala ndi nkhawa

Maphunziro

Kutengera zomwe amapeza, dokotala wanu adzagwira ntchito kuti akulangizeni ndikudziwitsani pamitu yambiri, kuphatikiza:

• kuwunika kulikonse kovomerezeka
• Katemera, monga chimfine kuwombera ndi katemera wa pneumococcal
• otumizidwa kukasamalira akatswiri
• onetsani malangizo, monga ngati mukufuna kuyambiranso mtima wanu kapena kupuma kwanu kutasiya

Zomwe Mwalandiridwa ku Medicare zodzitetezera SIZO

Ndikofunika kuzindikira kuti ulendo wa Welcome to Medicare siwathupi wapachaka. Medicare Yoyambirira (magawo A ndi B) saphimba zamagulu apachaka.

Thupi lapachaka limafotokozedwa mwatsatanetsatane kuposa kulandiridwa ku Medicare. Kuphatikiza pa kutenga zikwangwani zofunika, itha kuphatikizaponso zinthu zina, monga kuyesa labotale kapena kupuma, minyewa, komanso mayeso am'mimba.

Malingaliro ena a Medicare Part C (Advantage) atha kukhala okhudzana ndi zochitika zapachaka. Komabe, izi zimatha kusiyanasiyana ndi mapulani ake. Ngati muli ndi gawo la Gawo C, onetsetsani kuti muwone zomwe zaphimbidwa musanapange nthawi yoti mudzakhale ndi thupi.

Ulendo wapachaka wathanzi

Mukakhala mukugwiritsa ntchito Medicare Part B kwa miyezi yopitilira 12, imakhudza kuyendera kwabwino pachaka chilichonse. Ulendo wapachaka wokhala ndi thanzi ukhoza kukonzedwa kamodzi pakatha miyezi 12 iliyonse.

Ulendo wamtunduwu umaphatikizapo zambiri mwazomwe mumalandila ku Welcome to Medicare. Zitha kukhala zothandiza pakusintha mbiri yanu yazachipatala ndi malingaliro amisamaliro.

Kuphatikiza apo, kuwunika kozindikira kumachitika ngati gawo la kuchezera pachaka. Izi zitha kugwiritsidwa ntchito kuthandizira kuzindikira ngati matenda amisala kapena matenda a Alzheimer koyambirira.

Monga ulendo wa Welcome to Medicare, muyenera kulipira zina kapena zina zowunikira kapena zoyesa zomwe sizinachitike paulendo waubwino.

Ndani angakulandireni ku Medicare?

Dokotala wanu atha kulandira ulendo wanu wolandiridwa ku Medicare ngati avomera. Izi zikutanthauza kuti avomereza kulandila ndalama kuchokera ku Medicare pamtengo wovomerezeka ndi Medicare pazantchito zomwe amapatsidwa paulendowu.

Dokotala wanu akuyenera kukudziwitsani asanachite ntchito zilizonse zomwe sizinaphatikizidwe paulendo waku Welcome to Medicare. Mwanjira imeneyi, mutha kusankha ngati mukufuna kulandira mautumikiwa nthawi imeneyo.

Ndi ziti zina zodzitetezera zomwe Medicare amabisa?

Njira zodzitetezera zitha kuthandiza kuzindikira zovuta zoyambirira. Malinga ndi Centers for Disease Control and Prevention (CDC), atatu mwa anthu azaka 65 kapena kupitilira apo ndi awa:

• matenda amtima
• khansa
• matenda m'munsi kupuma

Chisamaliro chodzitchinjiriza chitha kuthandiza kuzindikira izi ndi zina, kuonetsetsa kuti akuchiritsidwa msanga.

Kuyesa kuyezetsa magazi Medicare imakwirira

Katemera

Katemera wina amaphatikizidwanso, monga awa:

• Chiwindi B. Zimagwira ntchito kwa anthu omwe ali ndi chiopsezo chapakati kapena chachikulu chotenga matenda a chiwindi a B.
• Fuluwenza. Mutha kutenga chimfine kamodzi pa nyengo ya chimfine.
• Matenda a pneumococcal. Katemera awiri wa pneumococcal amaphimbidwa: katemera wa 23-valent pneumococcal polysaccharide (PPSV23) ndi katemera wa 13-valent pneumococcal conjugate (PCV13).

Ntchito zina zodzitetezera

Kuphatikiza apo, Medicare imakhudzanso ntchito zina zodzitetezera pachaka, kuphatikizapo:

• Mowa umagwiritsa ntchito molakwika uphungu. Landirani magawo anayi a uphungu pamasom'pamaso ngati mumamwa mowa mopitirira muyeso.
• Khalidwe lothandizira pamatenda amtima. Kumanani kamodzi pachaka ndi dokotala wanu kuti mukambirane njira zomwe zingakuthandizeni kuchepetsa chiopsezo cha matenda amtima.
• Maphunziro a kasamalidwe ka matenda ashuga. Pezani malangizo owunikira shuga wamagazi, kudya zakudya zopatsa thanzi, komanso kuchita masewera olimbitsa thupi.
• Mankhwala othandizira. Gwiritsani ntchito ndi katswiri wazakudya ngati muli ndi matenda ashuga, matenda a impso, kapena mwalandira impso m'miyezi 36 yapitayi.
• Uphungu wonenepa kwambiri. Nthawi yolankhulana pamasom'pamaso ingakuthandizeni kuchepa thupi ngati muli ndi BMI ya 30 kapena kupitilira apo.
• Uphungu wa matenda opatsirana pogonana. Magawo awiri opatsirana pamasom'pamaso amapezeka kwa achikulire omwe ali pachiopsezo chotenga matenda opatsirana pogonana.
• Uphungu wogwiritsa ntchito fodya. Pezani magawo asanu ndi atatu pamasom'pamaso pa miyezi 12 ngati mumasuta fodya ndipo mukufuna thandizo kuti musiye.

• Gwiritsani ntchito! Ocheperapo achikulire azaka zopitilira 65 ali ndi chisamaliro chodzitetezera, monga kuwunika ndi katemera.
• Nthawi zonsefufuzani ndi dokotala wanu. Ndi lamulo labwino kuti mukachezere dokotala wanu kuti akapimidwe kamodzi pachaka, malinga ndi chipatala cha Mayo.
• Khalani ndi moyo wathanzi. Kupanga zisankho zabwino pa masewera olimbitsa thupi, zakudya, komanso kusuta fodya kumatha kuthandizira kukulitsa thanzi lanu ndikuchepetsa chiopsezo cha matenda monga mtima ndi khansa.
• Lankhulani momasuka ndi dokotala wanu. Kulankhula ndi dokotala zaumoyo wanu kumatha kuwathandiza kupanga zisankho pamayeso ndi kuwunika. Adziwitseni ngati muli ndi mbiri yokhudza banja lanu la matenda kapena vuto linalake, zizindikiro zatsopano kapena zoyipa, kapena zovuta zina zathanzi.

Kuwonetsetsa kwaumoyo komwe mungafune kumadalira pazinthu zingapo, monga zaka zanu, thanzi lanu lonse, zoopsa zake, ndi malangizo apano a Medicare.

Mfundo yofunika

Njira zodzitetezera ndizofunikira popewa komanso kuzindikira zovuta zosiyanasiyana. Kulandila ku Medicare kukafika kumatha kuthandiza dokotala kuti athe kuwunika zaumoyo wanu ndikupangira malangizo.

Mutha kukonzekera kulandila kwanu ku Medicare mkati mwa miyezi 12 kuyambira Medicare. Zimaphatikizaponso kutenga mbiri yakale ya zamankhwala, mayeso oyambira, kuwunika zoopsa ndi chitetezo, ndikupangira malingaliro azaumoyo.

Welcome to Medicare ulendo siwachaka chilichonse chakuthupi. Zinthu monga mayeso a labotale ndi mayeso owunikira sanaphatikizidwe.

Komabe, Medicare imatha kugwira ntchito zina ngati njira zodzitetezera nthawi zina.

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.