Medicare uye Oral Kuvhiya: Chii Chakafukidzwa?

Zvemukati

• Medicare inovhara rini kuvhiyiwa kwemuromo?
• Ndeapi marongero eMedicare angave akanakira iwe kana iwe uchiziva iwe kuti unoda kuvhiyiwa nemuromo?
• Medicare Chikamu C (Medicare Kubatsira)
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu D
• Medicare Supplement (Medigap)
• Ndezvipi zviri kunze-kwehomwe mari yekuvhiya nemuromo kana uine Medicare?
• Ndeapi mazino masevhisi ayo Medicare anovhara?
• Original Medicare (zvikamu A uye B)
• Medicare Kubatsira zvirongwa (Medicare zvinowedzera zvirongwa)
• Medicare Kubata kwemazino masevhisi
• Chinokosha

Kana iwe uchikodzera kuMedare uye uchifunga zvekuvhiyiwa nemuromo, une sarudzo dzekubatsira kubhadharira mitengo.

Nepo yekutanga Medicare isinga vhare mazino masevhisi ayo anodikanwa chaizvo kune zino kana chingamu hutano, inogona kuvhara kuvhiyiwa kwemuromo kwehutano mamiriro. Mimwe Medicare Chikamu C inoronga (Medicare Advantage) inopawo kufukidza mazino.

Ngationgororei kuti ndeapi marudzi ekuvhiyiwa nemuromo Medicare anovhara uye nei.

Medicare inovhara rini kuvhiyiwa kwemuromo?

Kuvhiya kwemuromo dzimwe nguva kunodikanwa sechikamu chehurongwa hwekurapa kwehutano, senge kenza kana chirwere chemwoyo. Mune zviitiko izvi, kuvhiyiwa kwemuromo kwaizotorwa senzira yekurapa inodikanwa.

Sezvo mamiriro ega ega akasiyana, taura nachiremba wako kana ongorora hurongwa hwako chaihwo, kuitira kuti uone kana kuvhiyiwa kwako nemuromo kuchizovharwa neMedicare yekutanga.

Chekutanga Medicare (Medicare Chikamu A) ichafukidza mutengo wekuvhiyiwa nemuromo mune aya mamiriro ekurapa:

• Kubviswa kwezino rakakuvara kana rinorwara kunogona kudikanwa pakurapwa usati watanga kurapwa nemwaranzi. Izvi zvinogona kubatsira kudzikisa njodzi ye mandibular (bone) kufa.
• Kuti udzivise kuwana chirwere chemukanwa, kubviswa kwezino rakakuvara kana rinorwara kunogona kudikanwa usati waiswa nhengo.
• Kana iwe uine shaya yakatsemuka uye iwe uchida kuvhiyiwa kuti uigadzirise kana kuidzosera, Medicare ichavhara izvo zvinodhura.
• Medicare ichavhara zvakare kuvhiyiwa nemuromo kana shaya yako ichida kugadziriswa kana kudzoreredzwa mushure mekubviswa kwebundu.

Ndeapi marongero eMedicare angave akanakira iwe kana iwe uchiziva iwe kuti unoda kuvhiyiwa nemuromo?

Medicare Chikamu C (Medicare Kubatsira)

Kana iwe uchiziva kuti iwe unozoda kuvhiyiwa nemuromo kwehutano hwemazino, chirongwa cheMedicare Advantage (Medicare Chikamu C) icho chinofukidza maitiro ezvemazino echinyakare anogona kunge akanakira iwe.

Nekudaro, haisi yega chirongwa cheMedicare Kubatsira chinosanganisira masevhisi emazino.

Medicare Chikamu A

Kana iwe uchiziva kuti iwe unozoda kurapwa kunodiwa kwemuromo kuti ubate chirwere, iwe unogona kuwana kufukidzwa pasi peMedicare Chikamu A kana iwe uri muchipatara anorapa.

Medicare Chikamu B

Kana iwe uchida kuve nekurapwa kwakakodzera kwemuromo kunoitwa kuchipatara, Medicare Chikamu B chinogona kuzvifukidza.

Medicare Chikamu D

Mishonga inodikanwa seiya yekurapa hutachiona kana kurwadziwa ichafukidzwa pasi peMedare Chikamu D, kunze kwekunge vapihwa mukati.

Kana iwe ukapihwa mishonga munzvimbo yekuchipatara iyo inopihwa mukati mehusimbe, Chikamu B chichafukidza izvo zvinodhura. Mazhinji zvirongwa zveMedare zvinobatsira zvinobhadharisa mutengo wemishonga futi.

Medicare Supplement (Medigap)

Medigap inogona kuvhara Chikamu chako A chinobvisirwa uye mari yemubhadharo kana iwe uine kurapwa kwakakodzera kwemuromo kunoitwa muchipatara. Medigap haifukidze izvi zvinodhura zvekuvhiya nemuromo zvinodiwa kuhutano hwemeno chete.

Ndezvipi zviri kunze-kwehomwe mari yekuvhiya nemuromo kana uine Medicare?

Kana iwe uine yekuvhiya yekuvhiya nzira isingatariswe seyakakodzera kurapwa, iwe unozowana ese emitengo inoenderana nayo.

Kana yako yekuvhiya yekuvhiya nzira iri yekurapa inodikanwa, kuchine mari iwe yaunofanirwa kubhadhara. Semuyenzaniso:

• Copays. Medicare inovhara makumi masere muzana emari inobvumidzwa neMedare-ekuvhiya kwemuromo kunodiwa, chero zvichizoitwa neMupi-anotenderwa mupi. Izvi zvinosanganisira X-ray uye mamwe masevhisi aungade. Kana maitiro ako akaitwa muchipatara uye iwe usina imwe inishuwarenzi yeMedigap, uchave uine chekuita ne20 muzana yemutengo.
• Inobviswa. Kune vanhu vazhinji, Medicare Chikamu B chine mari inobviswa pagore ye $ 198 iyo inofanirwa kusangana pasati paitwa chero masevhisi, kusanganisira ekurapwa kunodiwa nemuromo, ichavharwa.
• Mwedzi wepamberi. Medicare Chikamu B chine mwero, pamwedzi peyamu mwero we $ 144.60. Izvi zvinogona kuve zvishoma kwauri kana iwe parizvino uchiwana mabhenefiti ezvekuchengetedza vanhu, kana zvingakutorera mari yakawanda zvichienderana nemari yako yazvino.
• Mishonga. Iwe unofanirwa kuve neMedicare Chikamu D kana imwe mhando yekuvhara zvinodhaka kuti uve nezvose kana chikamu chemutengo wemishonga yako yakavharwa. Kana iwe usina kufukidzwa kwezvinodhaka, uchave unoona nezve mutengo wemimwe mishonga inodiwa.

Ndeapi mazino masevhisi ayo Medicare anovhara?

Original Medicare (zvikamu A uye B)

Medicare haifukidze mazhinji ehurongwa hwemazino senge kuchenesa, kuzadza, kubvisa, mazino, kana kuvhiya nemuromo. Zvisinei, kuvhiyiwa nemuromo kunogona kuvharwa kana zvichidikanwa pakurapa.

Medicare Kubatsira zvirongwa (Medicare zvinowedzera zvirongwa)

Zvimwe zvirongwa zveMedare zvinobatsira zvinosanganisira kufukidza mabasa emazino. Kana iwe uchida kufukidzwa kwemazino, enzanisa zvirongwa zvakapihwa mudunhu rako, uye tsvaga zvirongwa izvo zvinosanganisira mazino. Medicare ine chirongwa chekutsvaga kuti ikubatsire iwe kuenzanisa Medicare Advantage marongero anopiwa munharaunda yako.

Medicare Kubata kwemazino masevhisi

Chinokosha

Nguva dzose mazino masevhisi uye epamuromo ekuvhiya maitiro anodikanwa chete kune mazino hutano haana kuvharwa neyekutanga Medicare. Asi kuvhiyiwa nemuromo kunodiwa kune zino kana chingamu hutano kunogona kuvharwa nemamwe marongero eMedicare Advantage.

Kana iwe uchida kurapwa kwakakodzera kwemuromo nekuda kwezvikonzero zvehutano, iyo yekutanga Medicare inogona kubhadhara maitiro. Kunyangwe zvakadaro, iwe unogona kunge uine kunze-kwehomwe mari yekubhadhara.

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.