Ngabe i-Medicare izoyimboza iMRI yami?

-Delile

• IMedare izofihla i-MRI ngaphansi kwaziphi izimo?
• Ibiza malini iMRI ejwayelekile?
• Yimaphi amaMedicare ahlela i-MRI?
• Ingxenye yeMedicare A
• Ingxenye yeMedare B
• I-Medicare Part C (i-Medicare Advantage)
• Ingxenye yeMedare D
• I-Medicare Supplement (iMedigap)
• Yini i-MRI?
• Ukuthatha

I-MRI yakho kungenzeka imbozwe yiMedicare, kodwa kuzofanele uhlangabezane nenqubo ethile. Izindleko ezijwayelekile ze-MRI eyodwa zizungeze u- $ 1,200. Izindleko eziphuma ephaketheni ze-MRI zizohluka ngokuya ngokuthi unayo yini i-Original Medicare, uhlelo lwe-Medicare Advantage, noma umshuwalense owengeziwe onjengeMedigap.

Ukuskena i-MRI kungenye yamathuluzi okuhlola abaluleke kakhulu osetshenziswa odokotela ukunquma ukuthi hlobo luphi lokwelashwa oludingayo. Lezi zikeni zingathola ukulimala nezimo zezempilo ezifana ne-aneurysm, isifo sohlangothi, imisipha edabukile, nokuningi.

Le ndatshana izodingida izindleko ezihambisana ne-MRI uma une-Medicare, nokuthi ungazuza kanjani kakhulu ekusibekeleni kwakho.

IMedare izofihla i-MRI ngaphansi kwaziphi izimo?

I-Medicare izomboza i-MRI yakho inqobo nje uma izitatimende ezilandelayo ziyiqiniso:

• I-MRI yakho inqunyelwe noma iyalelwe ngudokotela owamukela iMedare.
• I-MRI ibekiwe njengethuluzi lokuxilonga ukunquma ukwelashwa kwesimo sezokwelapha.
• I-MRI yakho yenziwa esibhedlela noma esikhungweni semifanekiso esamukela iMedare.

Ngaphansi kwe-Original Medicare, uzoba nesibopho samaphesenti angama-20 wezindleko ze-MRI, ngaphandle kokuthi usuvele uhlangabezane nemali yakho ekhishwayo.

Ibiza malini iMRI ejwayelekile?

Ngokusho kwe-Medicare.gov, izindleko ezijwayelekile zokuphuma ephaketheni zesikena se-MRI esingalalisiwe cishe zingama- $ 12. Uma i-MRI yenzeka ngenkathi uhlolwe esibhedlela, izindleko ezijwayelekile ziyi- $ 6.

Ngaphandle kwanoma imuphi umshwalense, izindleko ze-MRI zingagijima ngaphezulu kwe- $ 3,000 noma ngaphezulu. Ucwaningo oluhlanganiswe yiKaiser Family Foundation lubonise ukuthi izindleko ezijwayelekile ze-MRI ngaphandle komshwalense kwakungu- $ 1,200, kusukela ngo-2014.

Ama-MRIs angabiza kakhulu ngokuya ngezindleko zokuhlala endaweni yangakini, indawo oyisebenzisayo, nezici zezokwelapha, njengokuthi uma idayi ekhethekile idingeka ukuskena kwakho noma uma udinga noma umuthi wokulwa nokukhathazeka ngesikhathi seMRI.

Yimaphi amaMedicare ahlela i-MRI?

Izingxenye ezahlukahlukene zeMedicare zingadlala indima ekuhlinzekeni ukufakwa kwe-MRI yakho.

Ingxenye yeMedicare A

I-Medicare Part A ihlanganisa ukunakekelwa okutholayo esibhedlela. Uma uthola i-MRI ngesikhathi sokubhedlela, i-Medicare Part A ingakufihla lokho kuskena.

Ingxenye yeMedare B

I-Medicare Part B ihlanganisa izinsizakalo zezokwelapha ezingaphandle kanye nempahla oyidingayo ukwelapha isimo sempilo, ngaphandle kwemithi kadokotela. Uma une-Original Medicare, iMedicare Part B izoba yilokho okubandakanya amaphesenti angama-80 we-MRI yakho, uma ihlangabezana nenqubo ebhalwe ngenhla.

I-Medicare Part C (i-Medicare Advantage)

I-Medicare Part C ibizwa nangokuthi i-Medicare Advantage. IMedicare Advantage yizinhlelo zomshuwalense wangasese ezihlanganisa lokho okuhlanganiswa yiMedicare futhi kwesinye isikhathi ngaphezulu.

Uma unohlelo lweMedicare Advantage, kuzodingeka uxhumane nomhlinzeki wakho womshuwalense ngqo ukuthola ukuthi uzokhokha malini le-MRI.

Ingxenye yeMedare D

I-Medicare Part D ihlanganisa imishanguzo kadokotela. Uma udinga ukuthatha umuthi njengengxenye ye-MRI yakho, njengomuthi olwa nokukhathazeka ukuze wenze i-MRI evaliwe, iMedicare Part D ingabiza leyo ndleko.

I-Medicare Supplement (iMedigap)

I-Medicare Supplement, ebizwa nangokuthi iMedigap, ngumshwalense wangasese ongawuthenga ukuze ungeze i-Original Medicare. I-Original Medicare ihlanganisa amaphesenti angama-80 okuhlolwa kokuxilongwa njengama-MRIs, futhi kulindeleke ukuthi ukhokhe amanye amaphesenti angama-20 omthethosivivinywa, ngaphandle kokuthi usuvele uhlangabezane nemali yakho ekhishwayo yonyaka.

Izinhlelo zeMedigap zinganciphisa inani olikweleta ophuma nalo ephaketheni le-MRI, kuya ngenqubomgomo yakho ethize nokuthi luhlinzeka ngaluphi uhlobo.

Yini i-MRI?

I-MRI ibhekisa kuma-imaging resonance imaging scans. Ngokungafani nezikena ze-CT ezisebenzisa ama-X-ray, ama-MRIs asebenzisa amaza omsakazo namandla kazibuthe ukwenza isithombe sezitho zakho zangaphakathi namathambo.

Ama-MRIs asetshenziselwa ukuxilonga nokwakha izinhlelo zokwelashwa kwama-aneurysms, ukulimala komgogodla, ukulimala kobuchopho, izicubu, isifo sohlangothi nezinye izimo zenhliziyo, i-multiple sclerosis, isifo se-Alzheimer, ukutheleleka kwamathambo, ukulimala kwezicubu, ukungahlangani okuhlangene, kanye nezinye izimo zezempilo ezingenakubalwa.

Uma udokotela wakho ethi udinga i-MRI, mhlawumbe bazama ukuqinisekisa ukuxilongwa noma ukuthola okuningi mayelana nokuthi yini ebangela izimpawu zakho.

Ungadinga ukuthi kube nengxenye eyodwa yomzimba wakho eskeniwe, eyaziwa njenge-MRI yemikhawulo. Ungadinga futhi ukuba nengxenye enkulu yomfana wakho iskenwe, ebizwa nge-MRI evaliwe.

Zombili lezi zinqubo zibandakanya ukulala uthule imizuzu engama-45 ngesikhathi ngenkathi uzibuthe udala inkambu ezokhokhiswa okuzungezile namagagasi omsakazo adlulisa imininingwane yokwenza ukuskena. Ngokuya ngokubuyekezwa kwezifundo okwenziwa ngo-2009, umphakathi wezokwelapha uyavuma ukuthi ama-MRIs ayizinqubo ezinobungozi obuncane.

Ubuchwepheshe be-MRI abugunyaziwe ukufunda ukuskena kwakho noma ukuhlinzeka ngokuxilongwa, noma ungahle ukhathazeke kakhulu ngombono wabo. Ngemuva kokuthi i-MRI yakho isiqedile, izithombe zizothunyelwa kudokotela wakho.

• Cishe usuku lwakho lokuzalwa lwama-65:Isikhathi sokubhalisa. Iminyaka yokufaneleka kweMedicare ineminyaka engama-65 ubudala. Unezinyanga ezintathu ngaphambi kosuku lwakho lokuzalwa, inyanga yosuku lwakho lokuzalwa, nezinyanga ezintathu ngemuva kosuku lwakho lokuzalwa ukuze ubhalisele iMedicare.
• Januwari 1 – Mashi 31:Isikhathi sokubhaliswa okujwayelekile. Ekuqaleni konyaka, unethuba lokubhalisela i-Medicare okokuqala uma ungakwenzanga lokho lapho uqala ukuhlanganisa iminyaka engama-65. Uma ubhalisa ngesikhathi sokubhaliswa okujwayelekile, ukumbozwa kwakho kuqala ngoJulayi 1.
• Ephreli 1 – Juni 30:Ukubhalisa kwe-Medicare Part D. Uma ubhalise kwi-Medicare ngesikhathi sokubhaliswa okujwayelekile, ungangeza uhlelo lwezidakamizwa (i-Medicare Part D) ngo-Ephreli kuya kuJuni.
• Okthoba 15 – Dec. 7:Vula ukubhalisa. Lesi yisikhathi lapho ungacela khona ushintsho kuhlelo lwakho lwe-Medicare Advantage, shintsha phakathi kwe-Medicare Advantage ne-Original Medicare, noma ushintshe izinketho zohlelo lwe-Medicare Part D.

Ukuthatha

I-Original Medicare ifaka amaphesenti angama-80 ezindleko ze-MRI, inqobo nje uma bobabili udokotela oyiyalile nendawo lapho yenziwa khona yamukela iMedicare.

Izinketho ezingezinye zeMedicare, ezinjengezinhlelo zeMedicare Advantage neMedigap, zingaletha izindleko ezikhishwa ephaketheni zeMRI noma ngaphansi.

Khuluma nodokotela wakho uma unezinkathazo mayelana nokuthi ukuhlolwa kwe-MRI kuzobiza malini, futhi unganqikazi ukucela isilinganiso esingokoqobo ngokuya nge-Medicare yakho.

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