Ingabe i-Medicare Cover Cover Cancer?

-Delile

• Yiziphi izinketho zakho zokwelashwa komdlavuza?
• I-Medicare ikubheka nini ukwelashwa komdlavuza?
• Yimiphi iMedicare ehlela ukwelashwa komdlavuza?
• Ingxenye yeMedicare A
• Ingxenye yeMedare B
• I-Medicare Part C (i-Medicare Advantage)
• Ingxenye yeMedare D
• I-Medicare Supplement (iMedigap)
• Ngizithola kanjani izindleko zami ezingaphandle kwesikhwama zokwelashwa komdlavuza?
• Okubalulekile

Izindleko zokwelapha umdlavuza zengeza ngokushesha. Uma une-Medicare, eziningi zalezo zindleko zifakiwe ekusetshenzisweni kwakho.

Lo mbhalo uzophendula imibuzo eyisisekelo yokuthi ungathola kanjani ukuthi uzokhokhelwa malini ukwelashwa komdlavuza wakho uma une-Medicare.

Uma uthola ukuxilongwa okukhulu komdlavuza, ungahle uthande ukushayela i-Medicare Health Line ku-800-633-4227. Lo mugqa utholakala ngo-24/7 futhi ungakunika izimpendulo ezithile mayelana nokulindela izindleko zakho.

Yiziphi izinketho zakho zokwelashwa komdlavuza?

Ukwelashwa komdlavuza kukhethwe ngokweqile. Izinhlobo eziningi zodokotela zisebenza ndawonye ukuqhamuka nohlelo lokwelashwa olubhekela izidingo zakho. Uhlelo oluphelele lokwelashwa komdlavuza luzofaka eyodwa noma ngaphezulu yalezi zinhlobo zokwelashwa, zonke ezingambozwa yiMedicare.

• Ukuhlinzwa. Ukuhlinzwa kunganconywa ngokususa izicubu zomdlavuza.
• Ukwelashwa ngamakhemikhali. I-Chemotherapy ifaka amakhemikhali anikezwa ngomlomo noma ngemithambo yegazi ukubulala amangqamuzana omdlavuza nokuyeka umdlavuza ukuthi usabalale.
• Imisebe. Ukwelashwa ngemisebe kusebenzisa imishayo enamandla yokubulala amangqamuzana omdlavuza.
• Ukwelashwa kweHormone. Ukwelashwa kweHormone kusebenzisa ama-hormone wokuvikela kanye nama-hormone blocker ukukhomba umdlavuza osebenzisa ama-hormone ukukhula.
• I-Immunotherapy. Izidakamizwa ze-Immunotherapy zisebenzisa amasosha omzimba wakho ukuhlasela amangqamuzana omdlavuza.
• Ukwelashwa kofuzo. Lezi zindlela zokwelapha ezintsha zivamise ukuletha igciwane kuseli lomdlavuza elizolikhomba futhi lisize ukulibhubhisa.

Uhlobo olulodwa lokwelashwa komdlavuza olungamboziwe yiMedicare olunye ukwelashwa okuhlukile noma okuphelele. Lezi zindlela zokwelapha, ezingabandakanya izinguquko ekudleni, izithasiselo, uwoyela, kanye nezicashunwe zemvelo, akuyona ingxenye yokutholakala komdlavuza kaMedicare.

I-Medicare ikubheka nini ukwelashwa komdlavuza?

I-Medicare ihlanganisa ukwelashwa komdlavuza okunikezwe ngudokotela owamukela iMedare.

I-Medicare ikhokha amaphesenti angama-80 walokho umhlinzeki wakho wokunakekela akhokhela ukwelashwa komdlavuza okunqunyiwe, okugunyaziwe. Unesibopho samaphesenti angama-20 emali ekhokhisiwe uze ufike emalini yakho edonselwayo yonyaka.

Ukuvakashelwa kanye nezinqubo ezithile zikadokotela kumele kuhlangabezane nenqubo eyingqayizivele ezogunyazwa yiMedicare.

Isibonelo, uma udinga ukuhlinzwa, iMedicare izokukhokhela ukuthi ubonane nodokotela wokuhlinza oncologist nomunye oncologist ohlinzayo ukuthola umbono wesibili. I-Medicare izokukhokhela ukuthola umbono wesithathu, kodwa kuphela uma odokotela bokuqala nabesibili bengavumi.

Uma une-Medicare, ifaka ukwelashwa komdlavuza noma ngabe uneminyaka emingaki. Uma une-Medicare Part D, imishanguzo kadokotela eyingxenye yokwelashwa kwakho komdlavuza nayo iyahlanganiswa.

Yimiphi iMedicare ehlela ukwelashwa komdlavuza?

I-Medicare wuhlelo lukahulumeni e-United States, olubuswa amasethi emithetho eminingi. Lezi zinqubomgomo "ziyizingxenye" ​​ze-Medicare. Izingxenye ezahlukahlukene zeMedicare zihlanganisa izici ezahlukahlukene zokwelashwa komdlavuza wakho.

Ingxenye yeMedicare A

I-Medicare Part A, ebizwa nangokuthi yi-Medicare yasekuqaleni, ihlanganisa ukunakekelwa kwesibhedlela. Iningi labantu alikhokhi imali ekhokhwa nyangazonke ye-Medicare Part A.

Ukunakekelwa komdlavuza nezinsizakalo ingxenye A amakhava afaka:

• ukwelashwa komdlavuza
• umsebenzi wegazi
• ukuhlolwa kokuxilongwa okutholayo ngenkathi usesibhedlela
• izinqubo zokuhlinza iziguli ukuze kususwe isisindo esinomdlavuza
• ngokufakelwa okufakelwa amabele okuhlinzwa ngemuva kwe-mastectomy

Ingxenye yeMedare B

I-Medicare Part B ihlanganisa ukunakekelwa kweziguli ezidingekayo kwezokwelapha. I-Medicare Part B yilokho okubandakanya izinhlobo eziningi zokwelashwa komdlavuza.

Ukunakekelwa komdlavuza nezinsizakalo ezihlanganiswe yingxenye B zifaka:

• ukuvakashelwa nodokotela wakho ojwayelekile
• ukuvakashela i-oncologist yakho nabanye ochwepheshe
• ukuhlolwa kokuxilonga, njenge-X-ray nokusebenza kwegazi
• ukuhlinzwa ngaphandle
• ukwelashwa ngemithambo yegazi kanye nomlomo
• okokusebenza okuhlala isikhathi eside, okufana nokuhamba, izihlalo ezinamasondo, namaphampu okudla
• izinsizakalo zezempilo yengqondo
• ukuhlolwa kokuvikela okuthile

I-Medicare Part C (i-Medicare Advantage)

I-Medicare Part C, kwesinye isikhathi ebizwa ngokuthi yi-Medicare Advantage, ibhekisa ezinhlelweni zangasese zomshuwalense wezempilo ezihlanganisa izinzuzo zezingxenye ze-Medicare A no-B, futhi kwesinye isikhathi ingxenye D.

Lezi zinhlelo zangasese zomshuwalense wezempilo ziyadingeka ukumboza konke obekuzohlanganiswa yiMedicare yangempela. Ama-premium we-Medicare Part C kwesinye isikhathi aphezulu, kepha izinto ezinjengezinsizakalo ezihlanganisiwe, odokotela ababambe iqhaza, nama-copay zinganikeza izinketho ezingcono kwabanye abantu.

Ingxenye yeMedare D

I-Medicare Part D ihlanganisa imishanguzo kadokotela. I-Medicare Part D ingahlanganisa ezinye izidakamizwa zomlomo, i-antinausea, imithi yezinhlungu, neminye imishanguzo oyinikwa ngudokotela njengengxenye yokwelashwa komdlavuza wakho.

Lokhu kumbozwa akuyona ingxenye ezenzakalelayo ye-Medicare noma ye-Medicare Advantage, futhi izinhlelo ezahlukahlukene zinemikhawulo ehlukile lapho zizokwemboza khona izidakamizwa.

I-Medicare Supplement (iMedigap)

Izinqubomgomo zeMedigap yizinqubomgomo zomshuwalense wangasese ezisiza ukumboza isabelo sakho sezindleko zeMedicare. Kufanele ukhokhele imali ekhokhelwa iMedigap, futhi ngokushintshana, uhlelo linciphisa noma luqede amanye ama-copay futhi lunganciphisa i-coinsurance yakho nemali engadonswa.

Ngizithola kanjani izindleko zami ezingaphandle kwesikhwama zokwelashwa komdlavuza?

Ngaphambi kokuya kunoma yimuphi udokotela ukuthola ukwelashwa komdlavuza, shayela ihhovisi labo ubone ukuthi bayakwamukela yini ukwabiwa. Odokotela abamukela ukunikezwa bathatha inani elikhokhwa yiMedicare, kanye nemali oyikhokhile, futhi babheka lokho “njengokukhokha okugcwele” kwezinsizakalo.

Odokotela abakhethe ukuphuma kwiMedicare bangakhokhisa ngaphezu kwenani iMedicare elizolikhokhela ukwelashwa kwakho, likushiye unesibopho sokusele, ngaphezu kwe-copay yakho.

Izindleko eziphakathi kwezikhwama zokwelashwa komdlavuza ziyahlukahluka. Uhlobo lomdlavuza onalo, unolaka kangakanani, nohlobo lokwelashwa odokotela abakunikeza zonke izici zokuthi uzobiza malini.

kutholakale ukuthi izindleko ezijwayelekile zokuphuma ephaketheni zonyaka zokwelashwa komdlavuza zisuka ku- $ 2,116 kuya ku- $ 8,115 kuya ngohlobo lwabahlanganyeli be-Medicare noma lomshwalense ababenalo.

Uma uthola ukuxilongwa kwanoma yiluphi uhlobo lomdlavuza, ungahle uhlangane nokudonswa kwemali yakho ekhishwe eMedicare engxenyeni B kulowo nyaka. Ngo-2020, inani elidonswayo leMedicare Part B lingu- $ 198.

Ngokungeziwe kumaphrimiyamu akho wanyanga zonke, uzoba nesibopho samaphesenti angama-20 wezindleko zokugula kuze kube yilapho ushaya leyo mali engadonselwa minyaka yonke.

Uma ukwelashwa kwakho kufaka ukuhlala esibhedlela, ukuhlinzekwa kweziguli, noma ezinye izinhlobo zokwelashwa kweziguli, kungaqala ukusebenza ezinkulungwaneni eziningi zamaRandi, noma ngabe ngeMedicaid noma omunye umshuwalense.

Okubalulekile

Ukwelashwa komdlavuza kungabiza kakhulu. I-Medicare ithatha okuningi kwalezi zindleko, kodwa kusazodingeka ukhokhe ingxenye enkulu yayo.

Ngaphambi kokuqala noma yikuphi ukwelashwa, kubalulekile ukuthi uqiniseke ukuthi udokotela wakho wamukela isabelo. Ukubuza imibuzo mayelana nezindleko futhi uma kunezinketho ezingabizi kakhulu ezitholakalayo kungasiza futhi ukunciphisa izindleko zokunakekelwa kwakho.

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.

Funda le ndatshana ngeSpanishi