Ingabe Ukushintshwa Kwe-Hip Kumbozwe Ngu-Medicare?

-Delile

• Yini i-Medicare emboza ngokushintshwa kwe-hip?
• Ingxenye yeMedicare A
• Ingxenye yeMedare B
• Ingxenye yeMedare D
• Isifinyezo sokusatshalaliswa yi-Medicare
• Yiziphi izindleko zokushintshwa kwe-hip ezimbozwa yi-Medicare?
• Ukufakwa okungeziwe
• Ukunquma izindleko zakho
• Mayelana nokuhlinzwa kokufakwa kwe-hip
• Ukudla okudlela endlini

I-Medicare yoqobo (Ingxenye A neNgxenye B) imboza ukuhlinzekwa kokufakwa esikhundleni se-hip uma udokotela wakho ekhombisa ukuthi kuyadingeka kwezokwelapha. Lokhu akusho, noma kunjalo, ukuthi i-Medicare izokhokha amaphesenti ayi-100 wezindleko. Esikhundleni salokho, izindleko zakho zizonqunywa ngohlelo lwakho oluthile, izindleko zenqubo, nezinye izinto.

Funda kabanzi ukuze ufunde kabanzi mayelana nokuthi yini ongayilindela.

Yini i-Medicare emboza ngokushintshwa kwe-hip?

I-Original Medicare (i-Medicare Part A ne-Medicare Part B) ingasiza ukumboza izindleko ezithile zokuhlinzwa kwakho kwe-hip.

Ingxenye yeMedicare A

Ngokusho kweNational Institute of Arthritis and Musculoskeletal and Skin Diseases, abantu ngokuvamile badinga ukuhlala esibhedlela izinsuku ezi-1 kuya kwezingu-4 kulandela ukushintshwa kwesinqe. Ngesikhathi sokuhlala kwakho esibhedlela esivunyelwe yi-Medicare, IMedicare Part A (umshuwalense wesibhedlela) izosiza ukukhokhela:

• igumbi elizimele
• ukudla
• ukunakekelwa kwabahlengikazi
• izidakamizwa eziyingxenye yokwelashwa kwakho kweziguli

Uma udinga ukunakekelwa okunekhono ngokulandela inqubo, Ingxenye A isiza ukumboza izinsuku zokuqala eziyikhulu zokunakekelwa. Lokhu kungafaka ukwelashwa ngokomzimba (PT).

Ingxenye yeMedare B

Uma ukushintshwa kwe-hip yakho kwenziwa esikhungweni sokuhlinza ngaphandle, i-Medicare Part B (umshuwalense wezokwelapha) kufanele ikusize ukumboza izindleko zokunakekelwa kwakho. Kungakhathaliseki ukuthi ukuhlinzwa kwakho kwenziwa esibhedlela noma esikhungweni sokugula, i-Medicare Part B izosiza ukukhokhela:

• izimali zikadokotela (ukuvakasha kwangaphambi nangemva kokuhlinzwa, ukwelashwa ngokomzimba ngemuva kokuhlinzwa, njll.
• ukuhlinzwa
• imishini yezokwelapha ehlala njalo (umoba, i-walker, njll.)

Ingxenye yeMedare D

I-Medicare Part D iwukusetshenziswa kwezidakamizwa kadokotela okungathengwa enkampanini yomshuwalense yangasese ngokuhlukile kwi-Medicare yasekuqaleni. Ingxenye D imboza imishanguzo esetshenziswayo engamboziwe yiMedicare, njengemithi yokuphathwa kobuhlungu kanye nezinciphisi zegazi (ukuvimbela ukunqandeka) okuthathwe ngesikhathi usalulama.

Isifinyezo sokusatshalaliswa yi-Medicare

Yiziphi izindleko zokushintshwa kwe-hip ezimbozwa yi-Medicare?

Ngokwe-American Association of Hip and Knee Surgeons (AAHKS), izindleko zokushintshwa kwesinqe e-US zisukela ku- $ 30,000 kuya ku- $ 112,000. Udokotela wakho uzokwazi ukuhlinzeka ngentengo evunyelwe yi-Medicare yokwelashwa okudingayo.

Ngaphambi kokuthi i-Medicare Part A ne-Part B zikhokhe noma iyiphi ingxenye yaleyo ntengo, kufanele ngabe ukhokhe amaphrimiyamu akho kanye nemali ekhishwayo. Futhi uzoba ne-coinsurance noma ama-copayments.

• Ngo-2020, imali ekhishwa minyaka yonke ye-Medicare Part A ingu- $ 1,408 lapho ingeniswa esibhedlela. Lokho kuhlanganisa izinsuku zokuqala ezingama-60 zokunakekelwa esibhedlela esikhathini sokuhlomula. Cishe amaphesenti angama-99 abahlomuli beMedicare abanayo imali ekhokhelwa iNgxenye A ngokusho kweZikhungo Zase-U.S.
• Ngo-2020, imali ekhokhwa nyangazonke ye-Medicare Part B ingu- $ 144.60 kanti imali ekhishwa minyaka yonke ye-Medicare Part B ingu- $ 198. Lapho lawo maprimiyamu nokudonswayo sekukhokhiwe, iMedicare ikhokha amaphesenti angama-80 wezindleko bese ukhokha amaphesenti angama-20.

Ukufakwa okungeziwe

Uma unokumbozwa okwengeziwe, njengenqubomgomo yeMedigap (i-Medicare Supplement Insurance), ngokuya ngohlelo, amanye ama-premium akho, okudonswayo, nama-copay kungambozwa. Izinqubomgomo zeMedigap zithengwa ngezinkampani zomshuwalense wangasese ezigunyazwe yi-Medicare.

Ukunquma izindleko zakho

Ukuze uthole ukuthi ukushintshwa kwe-hip yakho kuzobiza malini, khuluma nodokotela wakho. Inani elithile ozolikhokha lingaxhomeka ezintweni, njenge:

• eminye imishwalense ongayithola, njengenqubomgomo yeMedigap
• inani elikhokhiswa udokotela wakho
• noma ngabe udokotela wakho uyayamukela noma cha (intengo evunyelwe yi-Medicare)
• lapho uthola khona inqubo, njengesibhedlela esivunyelwe yi-Medicare

Mayelana nokuhlinzwa kokufakwa kwe-hip

Ukuhlinzwa okufakwa esikhundleni se-Hip kusetshenziselwa ukufaka izingxenye ezinesifo noma ezilimele zejoyinti le-hip ngezingxenye ezintsha, zokufakelwa. Lokhu kwenziwa ku:

• ukudambisa izinhlungu
• buyisela ukusebenza ngokuhlanganyela kwe-hip
• thuthukisa ukunyakaza, njengokuhamba

Izingxenye ezintsha, ngokuvamile ezenziwe ngensimbi engagqwali noma i-titanium, zingena esikhundleni sezindawo zokuqala ezihlanganisiwe zokuqina. Lokhu kufaka okufakelwayo kusebenza ngokufana nesinqe esijwayelekile.

Ngokusho kokushintshwa kwe-hip okuphelele okungama-326,100 okwenziwe ngo-2010, amaphesenti angama-54 awo ayenzelwe abantu abaneminyaka engama-65 nangaphezulu (iMedarea iyafaneleka).

Ukudla okudlela endlini

I-Original Medicare (Ingxenye A neNgxenye B) ngokujwayelekile izomboza ukuhlinzekwa kokufakwa esikhundleni se-hip uma kunesidingo kwezokwelapha.

Izindleko zakho zokuphuma ephaketheni zokushintshwa kwe-hip yakho zizothinteka ngokuhlukahluka okuningi, kufaka phakathi:

• noma yimuphi omunye umshuwalense, njengeMedigap
• I-Medicare kanye neminye imali edonswa ngumshuwalense, i-coinsurance, ama-copay kanye nama-premium
• udokotela uyakhokhisa
• ukwamukela udokotela isabelo
• lapho kwenziwa khona inqubo

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