Medicare Inovhara Kanzera Kurapwa?

Zvemukati

• Ndedzipi nzira dzako dzekurapwa nekenza?
• Medicare inovhara riini cancer kurapwa?
• Ndeapi maMedare anoronga kuvhara kurapwa kwekenza?
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu C (Medicare Kubatsira)
• Medicare Chikamu D
• Medicare Supplement (Medigap)
• Ndingaite sei kuti ndizive yangu yekunze-kwehomwe mutengo wekurapwa nekenza?
• Chinokosha

Mari yekurapa cancer inowedzera nekukurumidza. Kana iwe uine Medicare, mazhinji emari idzi dzinosanganisirwa mune yako yekuvhara.

Ichi chinyorwa chichapindura mibvunzo yekutanga nezvekuti ungawana sei mari yauchakwereta pakurapa kwako kenza kana uine Medicare.

Kana iwe ukatambira chakakomba chirwere chekenza, ungangoda kufonera iyo Medicare Health Line pa800-633-4227. Iyi tambo inowanikwa 24/7 uye inogona kukupa chaiyo mhinduro nezve kufungidzira zvako mutengo.

Ndedzipi nzira dzako dzekurapwa nekenza?

Kenza kurapwa kwakanyanya kwakasarudzika. Mhando dzinoverengeka dzevanachiremba dzinoshanda pamwechete kuti vauye nehurongwa hwekurapa hunogadzirisa zvaunoda. Urongwa hwakazara hwekurapa gomarara hunosanganisira imwe kana yakawanda yedzinotevera nzira dzekurapa, dzese dzinogona kuvharwa neMedicare.

• Kuvhiya. Kuvhiya kunogona kukurudzirwa kubvisa maronda ane cancer.
• Chemotherapy. Chemotherapy inosanganisira makemikari anopiwa nemuromo kana intravenously kuuraya cancer maseru uye kumisa cancer kubva pakupararira.
• Radiation. Radiation kurapa kunoshandisa kwakasimba matanda esimba kuuraya cancer maseru.
• Hormone kurapa. Hormone therapy inoshandisa synthetic hormone uye mahormone blockers kunongedza kanzira dzinoshandisa mahormone kukura.
• Immunotherapy. Immunotherapy mishonga inoshandisa immune system yako kurwisa maseru ekenza.
• Genetic kurapa. Aya marapirwo matsva anowanzoendesa hutachiona kune cancer kenza iyo inozotarisa uye kubatsira kuiparadza.

Imwe mhando yekurapa kenza isina kuvharwa neMedicare ndeimwe nzira kana yakakwana kurapwa. Aya marapirwo, ayo anogona kusanganisira shanduko yekudya, zvinowedzera, maoiri, uye zvakasikwa zvakaburitswa, hazvisi chikamu cheMedicare's cancer cover.

Medicare inovhara riini cancer kurapwa?

Medicare inovhara kurapwa kwekenza kwakatemwa nachiremba anogamuchira Medicare.

Medicare inobhadhara makumi masere muzana ezviya zvinopihwa nemupi wako wekuchengeta zvikwereti zvakatemerwa kurapwa kwekenza. Iwe une basa re20 muzana yemari yakabhadharwa kusvikira iwe warova yako yegore inobviswa.

Kumwe kushanya kwechiremba nemaitiro kunofanirwa kusangana nematanho akasarudzika ekutenderwa neMedicare.

Semuenzaniso, kana iwe uchida kuvhiyiwa, Medicare ichakubhadhara iwe kuti ubvunze neyekuvhiya oncologist uye imwe yekuvhiya oncologist kune yechipiri pfungwa. Medicare inokubhadharira iwe kuti uwane rwechitatu pfungwa, asi chete kana vekutanga nevechipiri varapi vakasabvumirana.

Kana uine Medicare, inovhara kurapwa kwekenza zvisinei nekuti une makore mangani. Kana iwe uine Medicare Chikamu D, mishonga yemishonga iyo iri chikamu chekenza yako yekurapa yakafukidzwa zvakare.

Ndeapi maMedare anoronga kuvhara kurapwa kwekenza?

Medicare chirongwa chemubatanidzwa muUnited States, chinotongwa nezvikamu zvinoverengeka zvemitemo. Aya mazano ndiwo "zvikamu" zveMedare. Zvikamu zvakasiyana zveMedare zvinofukidza akasiyana maitiro ekenza yako yekurapa.

Medicare Chikamu A

Medicare Chikamu A, chinonziwo chepakutanga Medicare, inovhara kuchengetwa kwechipatara. Vanhu vazhinji havabhadhare mari yemwedzi yeMedicare Chikamu A.

Kuchengetwa kwekenza uye masevhisi chikamu A makavha anosanganisira:

• kurapwa kwekenza
• basa reropa
• kuongororwa kuongororwa kwaunogamuchira iwe uri muchipatara
• inpatient yekuvhiya maitiro kubvisa cancer cancer
• kuvhiya akaisirwa zamu prostheses mushure memastectomy

Medicare Chikamu B

Medicare Chikamu B inovhara mishonga inodiwa yekurapa kwekurapa. Medicare Chikamu B ndiyo inovhara mhando zhinji dzekenza kurapwa.

Kuchengeta kenza uye masevhisi akafukidzwa nechikamu B anosanganisira:

• kushanya nachiremba wako
• kushanyira kune wako oncologist uye vamwe nyanzvi
• kuongororwa kuongororwa, senge X-rays uye basa reropa
• kuvhiya kwekunze
• intravenous uye imwe yemumuromo chemotherapy kurapwa
• midziyo yekurapa yakasimba, senge vanofamba, mawiricheya, uye mapampu ekudyisa
• hutano hwepfungwa mabasa
• kumwe kudzivirira kwekudzivirira kuongororwa

Medicare Chikamu C (Medicare Kubatsira)

Medicare Chikamu C, dzimwe nguva chinonzi Medicare Advantage, inoreva zvirongwa zveinishuwarenzi zvehutano zvakavanzika izvo zvinosanganisa mabhenefiti eMedare zvikamu A neB, uye dzimwe nguva Chikamu D.

Aya epamhepo einishuwarenzi ehutano zvirongwa zvinotarisirwa kuvhara zvese izvo zvekutanga Medicare zvaigona kuvhara. Iwo maprimiyamu eMedicare Chikamu C dzimwe nguva akakwirira, asi zvinhu zvakaita sekuvharwa masevhisi, vanachiremba vanotora chikamu, uye macopay anogona kupa sarudzo dziri nani kune vamwe vanhu.

Medicare Chikamu D

Medicare Chikamu D inovhara mishonga yemishonga. Medicare Chikamu D inogona kuvhara mamwe emumuromo chemotherapy mishonga, antinausea mishonga, marwadzo ekurapa, uye mimwe mishonga inorayirwa nachiremba sechikamu chekenza yako yekurapa.

Uku kufukidza hakungoerekana kwave chikamu cheMedicare kana Medicare Advantage, uye zvirongwa zvakasiyana zvine zvipingamupinyi zvakasiyana pamishonga yavanobata.

Medicare Supplement (Medigap)

Mitemo yeMedigap ndeyako wega inishuwarenzi mitemo inobatsira kuvhara chikamu chako cheMedare mari. Iwe unofanirwa kubhadhara mari yepamberi yeMedigap, uye mukutsinhana, chirongwa ichi chinodzora kana kubvisa mamwe macopay uye chinogona kudzikisa mari yako yekusimbisa uye mari inobvisirwa.

Ndingaite sei kuti ndizive yangu yekunze-kwehomwe mutengo wekurapwa nekenza?

Usati waenda kuna chero chiremba kunorapwa gomarara, fonera hofisi yavo uye uone kana "vachigamuchira basa." Vanachiremba vanogamuchira kupihwa vanotora iyo iyo inobhadharwa neMedare, pamwe nekubhadhara kwako, uye vanoona sekuti "mubhadharo wakazara" wemasevhisi.

Vanachiremba vakasarudza kunze kweMedicare vanogona kubhadharisa pamusoro peiyo mari iyo Medicare ichavhara pakurapa kwako, ichikusiya uine mutoro wezvasara, kuwedzera kune yako copay.

Avhareji yekubuda-kwe-muhomwe mari yekurapa kenza inosiyana. Rudzi rwekenza yauinayo, ine hukasha zvakadii, uye nemhando yekurapa yaunorayirwa navanachiremba zvese izvi zvikonzero kuti ingabhadhara zvakadii.

vakawana kuti avhareji pagore kunze-kwe-muhomwe mari yekurapa kenza yakatangira pamadhora 2,116 kusvika pamadhora 8,115 zvichienderana nerudzi rweMedare kana vatori veinishuwarenzi vatori vechikamu vaive nazvo

Kana iwe ukatambira kuongororwa kwechero rudzi rwekenza, iwe ungangosangana neako Medicare anodonhedzwa echikamu B gore iro. Muna 2020, iyo inobviswa mari yeMedare Chikamu B ndeye $ 198.

Kunze kwemaprimiyamu ako emwedzi nemwedzi, iwe unenge uine mutoro makumi maviri muzana emitero yekurapa kusvika iwe warova iyo yegore inodonhedzwa.

Kana kurapwa kwako kuchisanganisira kugara muchipatara, kuvhiyiwa kwechipatara, kana mamwe marudzi ekurapwa kwevanorwara, zvinogona kutanga kumhanya muzviuru zvemadhora, kunyangwe neMedicaid kana imwe inishuwarenzi.

Chinokosha

Kurapa kenza kunogona kudhura zvakanyanya. Medicare inotora yakawanda yemutengo uyu, asi iwe unenge uchiri kuda kubhadhara chakakosha chikamu chayo.

Usati watanga chero kurapwa, zvakakosha kuve nechokwadi chiremba wako anobvuma kupihwa basa. Kubvunza mibvunzo nezve mutengo uye kana paine sarudzo shoma dzinowanikwa dzinogona kubatsira kudzikisa mutengo wekutarisira kwako.

Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.

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