I-Medicare ne-Arthritis: Yini Okumboziwe nokuthi Yini Okungeyona?

-Delile

• Ngabe zonke izindleko ze-osteoarthritis zihlanganisiwe?
• Ingabe i-Medicare ihlanganisa i-rheumatoid arthritis?
• Kuthiwani ngokufakwa ngokuhlanganyela?
• Izengezo ku-Medicare
• Qala ngodokotela wakho
• Ukudla okudlela endlini

I-Original Medicare (izingxenye A no-B) izobhekela izinsiza nezinsiza zokwelashwa kwe-osteoarthritis uma udokotela wakho enqume ukuthi kuyadingeka kwezokwelapha.

I-osteoarthritis uhlobo oluvame kakhulu lwe-arthritis. Kubonakala ngokugqoka ku-cartilage ukuthi ama-cushion amalunga. Njengoba uqwanga luthwala, kungaholela ekuthintaneni kwethambo nethambo ejoyintini. Lokhu kungaholela ebuhlungwini, ukuqina, nokuvuvukala.

Funda ukuze ufunde ngokutholakala kwe-osteoarthritis nezinye izinhlobo zesifo samathambo.

Ngabe zonke izindleko ze-osteoarthritis zihlanganisiwe?

Impendulo elula ithi: cha. Kunezindleko ongahle ubhekane nazo.

Uma une-Medicare Part B (umshuwalense wezokwelapha), cishe uzokhokha imali ekhokhwa njalo ngenyanga. Ngo-2021, kubantu abaningi leyo mali ingu- $ 148.50. Ngo-2021, uzophinda ukhokhe u- $ 203 ngemali yakho ekhishwayo engxenyeni B yonyaka. Ngemuva kokudonswa, uvame ukukhokha imali engu-20% yemali evunyelwe yi-Medicare:

• iningi lezinsizakalo zodokotela (kufaka nesibhedlela sokugula)
• Ukwelashwa kweziguli
• imishini yezokwelapha eqinile, njenge-walker noma isihlalo esinamasondo

I-Medicare ngeke ihlanganise imishanguzo engaphezulu kwe-counter (i-OTC) udokotela wakho angayincoma ekuphatheni izimpawu ze-osteoarthritis, njenge:

• i-acetaminophen (iTylenol)
• Ama-OTC NSAID (Izidakamizwa ezingezona ukuvuvukala) ezifana ne-naproxen sodium (Aleve) ne-ibuprofen (Motrin)

Ingabe i-Medicare ihlanganisa i-rheumatoid arthritis?

I-rheumatoid arthritis (RA) isifo esizimele esibangela ukuvuvukala okubuhlungu (ukuvuvukala). Ngokuvamile ihlasela amalunga, imvamisa amalunga amaningi ahlukene ngasikhathi sinye.

I-Original Medicare (izingxenye A no-B) zingafaka ukwelashwa kwe-RA njengensizakalo yokuphathwa kokunakekelwa okungamahlalakhona. Ukuphathwa kokuphathwa kokunakekelwa okungapheli kudinga ukuthi ube nezimo ezingamahlalakhona ezimbili noma ngaphezulu ezimbi udokotela wakho alindele ukuthi zihlale okungenani unyaka, njenge:

• isifo samathambo
• Isifo senhliziyo
• isifo sikashukela
• isifuba somoya
• umfutho wegazi ophezulu

Njengakwezinye izindlela zokwelashwa, lindela izindleko ezingaphandle kwezikhwama, njengamaprimiyamu engxenye B kanye nama-copay.

Kuthiwani ngokufakwa ngokuhlanganyela?

Uma i-arthritis yakho iye yathuthuka kuze kube seqophelweni lokuthi udokotela wakho ezwe ukuthi ukuhlinzwa okuhlanganyelwe kuyadingeka ngokwezokwelapha, izingxenye ze-Medicare A no-B zizokhokha izindleko eziningi, kufaka phakathi ezinye izindleko zokululama kwakho.

Njengolunye unyango, ungahle ube nezindleko ezingaphandle kwezikhwama, njengamaprimiyamu engxenye B kanye nama-copay.

Izengezo ku-Medicare

Ungathenga umshuwalense ezinkampanini ezizimele ezizokhipha ezinye, futhi mhlawumbe zonke, zezindleko ezingeziwe ezingakhokhelwa yi-Medicare yasekuqaleni, njenge:

• I-Medigap. IMedigap ngumshuwalense wokulekelela ongasiza ukukhokha ama-copayments, i-coinsurance, kanye nemali ekhishwayo.
• I-Medicare Part C (i-Medicare Advantage). Izinhlelo ze-Medicare Advantage zifana ne-PPO noma i-HMO enikezela ngezingxenye zakho zokutholakala kwe-A no-B ngaphezu kwezinye izinzuzo. Iningi lifaka i-Medicare Part D futhi abaningi banikeza ukumbozwa okungeziwe njengamazinyo, umbono, ukuzwa nezinhlelo zempilo. Awunakho kokubili iMedigap neNgxenye C, kufanele ukhethe eyodwa noma enye.
• Ingxenye yeMedicare D. Izinhlelo zemithi kadokotela ezihlinzekwa ngeMedicare Part D zihlanganisa konke noma ingxenye yezindleko zemithi ethile. Akuwona wonke umuthi ohlanganisiwe, ngakho-ke kuwumqondo omuhle ukuqinisekisa ukumbozwa bese ubuza ngeminye imishanguzo, njengezinguqulo ezijwayelekile, ukusiza ukugwema izindleko ezingalindelekile.

Qala ngodokotela wakho

Isinyathelo sokuqala ukuqinisekisa ukuthi udokotela wakho uyayemukela iMedicare noma, uma uthenge iMedicare Part C, ukuthi udokotela wakho usohlelweni lwakho.

Xoxa ngokuningiliziwe kwakho konke ukwelashwa kwe-arthritis okunconyiwe nodokotela wakho ukuze ubone ukuthi ngabe kumbozwe yimithi yakho ye-Medicare noma uma kukhona ezinye izinketho ongafuna ukuzicabangela.

Ukwelashwa kungafaka okunye noma konke okulandelayo:

• umuthi (i-OTC nemithi kadokotela)
• ukuhlinzwa
• ukwelashwa (ngokomzimba nangokomsebenzi)
• imishini (umoba, i-walker)

Ukudla okudlela endlini

• I-Original Medicare izobheka izinsizakalo ezidingekayo ngokwezempilo kanye nempahla yokwelashwa kwe-arthritis, kufaka phakathi ukuhlinzwa okuhlanganyelwe kokujoyina.
• Kukhona izindleko ezingekho ephaketheni ezingahlanganiswa neMedare yasekuqaleni. Ngokuya ngezidingo zakho ezithile, kungaba kuhle ukuhlola izinketho zokuhambisana nokutholakala kwakho kwe-Medicare, njenge:
  • IMedigap (Umshuwalense owengeza ngeMedicare)
  • I-Medicare Part C (i-Medicare Advantage)
  • I-Medicare Part D (ukutholakala kwezidakamizwa kadokotela)

Lo mbhalo uvuselelwe ngoNovemba 20, 2020, ukukhombisa imininingwane ye-2021 Medicare.

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.