Is Hip Replacement Yakafukidzwa neMedare?

Zvemukati

• Chii chinonzi Medicare chinovhara nekumisikidza hudyu kutsiva?
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu D
• Pfupiso yekufukidzwa neMedicare
• Ndeipi mari yekutsiva yehudhi iyo Medicare inovhara?
• Kuwedzera kufukidza
• Kusarudza mutengo wako
• Nezve kuvhiya kwechiuno
• Tora woenda nazvo

Chekutanga Medicare (Chikamu A uye Chikamu B) chinowanzo fukidza chiuno chinotsiva kuvhiya kana chiremba wako achiratidza kuti zvinoda kurapwa. Izvi hazvireve, zvisinei, kuti Medicare ichafukidzira zana muzana yemitengo. Panzvimbo iyoyo, yako mari inozotemerwa neako chaiwo marongero kufukidza, mutengo wemaitiro, uye zvimwe zvinhu.

Verenga pamusoro kuti udzidze zvakawanda nezve izvo zvaunotarisira.

Chii chinonzi Medicare chinovhara nekumisikidza hudyu kutsiva?

Chekutanga Medicare (Medicare Chikamu A uye Medicare Chikamu B) inogona kubatsira kubhadharisa yakatarwa mitengo yekuvhiya kwako kwechiuno.

Medicare Chikamu A

Sekureva kweNational Institute of Arthritis uye Musculoskeletal uye Skin Zvirwere, vanhu vanowanzoda kugara muchipatara kwemazuva 1 kusvika kumana vachitevera chiuno chinotsiva. Panguva yekugara kwako kuchipatara chinotenderwa neMedare, Medicare Chikamu A (inishuwarenzi yechipatara) inobatsira kubhadhara:

• semi-yakavanzika imba
• kudya
• Kuchengetwa
• zvinodhaka izvo zviri chikamu chekurapa kwako kwechipatara

Kana iwe uchida hunyanzvi hwekuchengetwa uchitevera maitiro, Chikamu A chinobatsira kuvhara iwo ekutanga mazuva zana ekuchengetedza. Izvi zvinogona kusanganisira kurapwa kwemuviri (PT).

Medicare Chikamu B

Kana yako yekumisikidza yehudyu ichiitwa kunzvimbo yekuvhiya yekurapa, Medicare Chikamu B (inishuwarenzi yekurapa) inofanirwa kubatsira kubhadhara mitengo yekutarisirwa kwako. Kunyangwe kuvhiyiwa kwako kwaitwa kuchipatara kana kuchipatara, Medicare Chikamu B chinowanzo batsira kubhadhara:

• mubhadharo wechiremba (pre uye post-op kushanyira, post-op kurapa kwemuviri, nezvimwewo)
• kuvhiya
• midziyo yekurapa yakasimba (nzimbe, kufamba, nezvimwewo)

Medicare Chikamu D

Medicare Chikamu D inorayirwa mishonga yekudhiraivha iyo inogona kutengwa kubva kune yakazvimiririra kambani yeinishuwarenzi zvakasiyana neMedicare yekutanga. Chikamu D chinowanzo fukidza iyo post-operative mishonga isina kuvharwa neMedare, senge yekurapa yekurapa mishonga uye neropa rakapfava (kudzivirira kugwamba) inotorwa panguva yekupora kwako.

Pfupiso yekufukidzwa neMedicare

Ndeipi mari yekutsiva yehudhi iyo Medicare inovhara?

Sekureva kweAmerican Association yeHip uye Knee Surgeons (AAHKS), mutengo wekutsiva hudyu muUS unosvika $ 30,000 kusvika $ 112,000. Chiremba wako anozokwanisa kupa iyo Medicare-inogamuchirwa mutengo weiyo chaiyo kurapwa kwaunoda.

Pamberi peMedicare Chikamu A uye Chikamu B vasati vabhadhara chero chikamu chemutengo iwoyo, unofanira kunge wakabhadhara mari yako yepamberi nezvakabviswa. Iwe zvakare uchave uine coinsurance kana macopayments.

• Muna 2020, iyo yegore inodonhedzwa yeMedare Chikamu A iri $ 1,408 kana wagamuchirwa kuchipatara. Izvo zvinofukidza mazuva makumi matanhatu ekutanga ekuchengetwa muchipatara munguva yekubatsirwa. Vanenge makumi mapfumbamwe kubva muzana muzana veMedicare vanobatsirwa havana mari yeChikamu A zvinoenderana neU.S.Centers yeMedicare & Medicare Services.
• Muna 2020, mari yemwedzi nemwedzi yeMedare Chikamu B ndeye $ 144.60 uye inobviswa pagore yeMedare Chikamu B ndeye $ 198. Kana iwo maprimiyamu uye zvakabviswa zvabhadharwa, Medicare inowanzobhadhara makumi masere muzana emitengo uye iwe unobhadhara makumi maviri muzana.

Kuwedzera kufukidza

Kana iwe uine zvimwe zvekufukidza, senge mutemo weMedigap (Medicare Supplement Insurance), zvinoenderana nechirongwa, mamwe emabhadharo ako, zvakabviswa, uye macopay anogona kuvharwa. Mitemo yeMedigap inotengwa kuburikidza nemakambani einishuwarenzi akazvimirira eMedicare.

Kusarudza mutengo wako

Kuti uone kuti kuwanda kwechiuno chako kuchadhura zvakadii, taura nachiremba wako. Mari chaiyo yauchabhadhara inogona kutsamira pazvinhu, zvakaita se:

• imwe inishuwarenzi kufukidza iwe yaungave unayo, senge mutemo weMedigap
• iyo mari inobhadharwa nachiremba wako
• kunyangwe kana kwete chiremba wako achigamuchira basa (iyo Medicare-yakatenderwa mutengo)
• kwaunowana maitiro, akadai sechipatara chinotenderwa neMedare

Nezve kuvhiya kwechiuno

Hip yekuvhiya yekuvhiya inoshandiswa kutsiva zvikamu zvinorwara kana zvakakanganisika zvemubatanidzwa wehudyu nezvitsva, zvekugadzira zvikamu. Izvi zvinoitirwa ku:

• kubvisa marwadzo
• dzosera hudyu kubatana kushanda
• kunatsiridza kufamba, sekufamba

Izvo zvikamu zvitsva, zvinowanzo gadzirwa nesimbi isina tsvina kana titanium, zvinotsiva nzvimbo yekutanga yehudyu. Iyi yekuisira yekuisira inoshanda zvakafanana neyakajairika hudyu.

Sekureva kweiyo makumi matatu nematanhatu emakumi mairi nemazana matanhatu ezviuno kutsiva kwehudyu kwakaitwa muna2010, makumi mashanu kubva muzana yavo yaive yevanhu vane makore makumi matanhatu nemashanu zvichikwira.

Tora woenda nazvo

Yekutanga Medicare (Chikamu A uye Chikamu B) inowanzo fukidza kuvhiya kwehudyu kana zvichidikanwa pakurapwa.

Mari yako yekunze-yehomwe yekumisikidza chiuno chako inozokanganiswa nemhando dzakasiyana, kusanganisira:

• chero imwe inishuwarenzi, yakadai seMedigap
• Medicare uye imwe inishuwarenzi inobvisirwa mari, koresheni, macopay, uye maprimiyamu
• chiremba anobhadharisa
• chiremba kubvuma basa
• uko maitiro anoitwa

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.

Verenga chinyorwa ichi muchiSpanish