Medicare Inovhara Kurwadziwa Management?

Zvemukati

• Chii chinonzi Medicare chinofukidza marwadzo ekurapa?
• Medicare Chikamu B
• Medicare Chikamu D
• Kurapa kwekutambudzika panguva yekurapa kwechipatara
• Mvumo yekuvhara
• Medicare Chikamu A inodhura
• Medicare Chikamu C inodhura
• Kurapa kwekunze
• Mvumo yekuvhara
• Medicare Chikamu B inodhura
• Mishonga
• Mishonga yemishonga
• Over-the-counter (OTC) zvinodhaka
• Nei ndingangoda marwadzo ekurwadziwa?
• Dzimwe nzira dzekurwadziwa kwekurwadziwa
• Kutora

• Medicare inovhara marapirwo akasiyana siyana uye masevhisi anoshandiswa mukutambudzika kwekurwadziwa.
• Mishonga inogadzirisa marwadzo yakafukidzwa pasi peMedare Chikamu D.
• Kurapa uye masevhisi ekurwadziwa kwekutambudzika akafukidzwa pasi peMedare Chikamu B.
• Medicare Advantage zvirongwa zvakare zvinowanzovhara imwe chete mishonga nemasevhisi sezvikamu B naD.

Izwi rekuti "marwadzo manejimendi" rinogona kusanganisira zvinhu zvakawanda zvakasiyana. Vamwe vanhu vangangoda kurapwa kwenguva pfupi mushure mekuvhiyiwa kana kukuvara. Vamwe vangangoda kubata kwenguva refu-refu marwadzo emamiriro ezvinhu seArthritis, fibromyalgia, kana mamwe maronda syndromes.

Kutarisira kurwadziwa kunogona kudhura saka unogona kunge uchinetseka kana Medicare ichivhara. Medicare inovhara mazhinji ekurapa uye masevhisi auchazoda ekurapa marwadzo.

Verenga pamusoro kuti udzidze kuti ndeapi mativi eMedhivha anovhara akasiyana marapirwo uye masevhisi, mitengo yaunogona kutarisira, uye zvimwe nezve dzakawanda nzira marwadzo anogona kutarisirwa.

Chii chinonzi Medicare chinofukidza marwadzo ekurapa?

Medicare inopa kufukidza kune akawanda marapirwo uye masevhisi ayo anodikanwa kugadzirisa marwadzo. Heino mhedziso yezvikamu zvinoifukidza uye ndeapi marapirwo anosanganisirwa.

Medicare Chikamu B

Medicare Chikamu B, inishuwarenzi yako yekurapa, inovhara masevhisi anotevera ane chekuita nekurwadziwa kwekurwadziwa:

• Mishonga manejimendi. Usati wabvumirwa unogona kudikanwa usati wagona kuzadza mishonga yekurwadziwa ne narcotic. Iwe unogona zvakare kupihwa yakaganhurirwa huwandu.
• Maitiro ehutano hwekubatanidza hutano. Dzimwe nguva, vanhu vane kurwadziwa kusingaperi vanogona zvakare kuve nematambudziko nekushushikana uye kushushikana. Medicare inovhara hunhu hwehunhu hunobatsira kubatsira kubata aya mamiriro.
• Kurapa kwepanyama. Kune ese ari maviri anorwadza uye asingagumi marwadzo nyaya, kurapwa kwemuviri kunogona kupihwa nachiremba wako kuti abatsire kudzora marwadzo ako.
• Kurapa pabasa. Rudzi urwu rwekurapa runobatsira kuti udzokere pane zvako zvezuva nezuva zviitiko zvaungatadza kuita iwe uchirwadziwa.
• Chiropractic musana musana. Chikamu B chinofukidza kushomeka kwemanyorerwo mashandiro emusana kana zvichidikanwa pakurapa kugadzirisa subluxation.
• Doro rinoshandisa zvisina kufanira kuongororwa pamwe nekupangwa mazano. Dzimwe nguva, kurwadziwa kusingaperi kunogona kutungamira mukushandisa zvinodhaka. Medicare inovhara kuongororwa uye kuraira kweizvi futi.

Medicare Chikamu D

Medicare Chikamu D (chinyoreso chemushonga kufukidza) chinobatsira iwe kubhadhara yako mishonga uye zvirongwa zvekuzvibata. Mishonga yekurapa manejimendi zvirongwa zvakafukidzwa uye zvinogona kupa rubatsiro kufamba nenzira dzakaoma hutano zvido. Kazhinji, opioid pain mishonga, yakadai sehydrocodone (Vicodin), oxycodone (OxyContin), morphine, codeine, uye fentanyl, inorayirwa kubatsira kubvisa zviratidzo zvako.

Kurapa kwekutambudzika panguva yekurapa kwechipatara

Iwe unogona kugamuchira marwadzo ekurapa kana iwe uri murwere kuchipatara kana nzvimbo yekuchengetedza kwenguva refu nekuda kwezvikonzero zvinotevera:

• tsaona yemotokari kana kukuvara kukuru
• kuvhiya
• kurapwa kwechirwere chakakomba (cancer, semuenzaniso)
• kuguma-kwe-hupenyu (hospice) kuchengetwa

Paunenge uchigamuchirwa kuchipatara, ungangoda akati wandei masevhisi akasiyana kana marapirwo ekugadzirisa marwadzo ako, kusanganisira:

• epidural kana mamwe majekiseni emusana
• mishonga (zvese narcotic uye isiri-narcotic)
• kurapwa kurapa
• kurapa kwepanyama

Mvumo yekuvhara

Kuti uve unokodzera kufukidzwa, unofanirwa kunyoreswa muchirongwa chekutanga cheMedare kana chirongwa cheMedicare Chikamu C (Medicare Advantage). Kugara kwako muchipatara kunofanirwa kuonekwa sekurapa kuchidikanwa nachiremba uye chipatara chinofanirwa kutora chikamu muMedicare.

Medicare Chikamu A inodhura

Medicare Chikamu A inishuwarenzi yako yechipatara. Paunenge uchigamuchirwa kuchipatara, uchave unoona nezve inotevera mari pasi peChikamu A:

• $1,408 inobvisirwa yega yega nguva yekubatsirwa isati yafukidzwa kick mukati
• $0 coinsurance yeimwe neimwe nguva yekubatsira kwemazuva makumi matanhatu ekutanga
• $352 coinsurance pazuva rega rega reimwe nguva yekubatsira kwemazuva 61 kusvika 90
• $704 coinsurance parimwe rega rega "zuva rekuchengetera hupenyu" mushure mezuva 90 yenguva imwe neimwe yekubatsirwa (kusvika pamazuva makumi matanhatu pamusoro pehupenyu hwako)
• 100 muzana yemitengo kudarika mazuva ako ehupenyu akachengeterwa

Medicare Chikamu C inodhura

Mariro pasi pechirongwa cheMedicare Chikamu C ichave yakasiyana uye zvinoenderana nekuti uronga hurongwa hupi uye huwandu hwesarudzo hwawakasarudza. Iko kufukidza kwauinako pasi pechikamu cheC Part C kunofanirwa kunge kwakaenzana neicho Medicare yekutanga inovhara.

Kurapa kwekunze

Mamwe mafomu ekurwadziwa kwekurapwa kwekunze akaripwa zvakare pasi peMedare Chikamu B. Izvi zvinosanganisira zvinhu zvakaita se:

• kurapwa kwemishonga
• kumonyorora kwemuzongoza, kana kuchipatara kuchidikanwa
• majekiseni ekurapa kunze (steroid jekiseni, majekiseni epidural)
• transcutaneous magetsi etsinga kukurudzira (TENS) ekurwadziwa mushure mekuvhiya
• autogenous epidural ropa kubatanidza (ropa chigamba) chemusoro mushure meepidural kana musana wepombi

Mvumo yekuvhara

Pamberi pemasevhisi nemaitiro aya akavharwa, chiremba akanyoreswa neMedare anofanirwa kuratidza kuti iwo anodiwa pakurapa mamiriro ako.

Medicare Chikamu B inodhura

Pasi peMedicare Chikamu B, iwe une basa rekubhadhara:

• An $198 inobviswa pagore, iyo inofanirwa kusangana gore rega rega pasati pavharwa mabasa
• Yako yemwedzi premium, inova $144.60 kune vanhu vazhinji mu2020

Mishonga

Mishonga yemishonga

Medicare Chikamu D inopa inonyorera mishonga yekuvhara. Ose maviri Chikamu D uye mamwe Medicare Chikamu C / Medicare Advantage zvirongwa zvinofukidza mazhinji emishonga inogona kupihwa kurapwa kwekurwadziwa. Aya marongero anogona zvakare kuvhara ekurapa ekurapa manejimendi zvirongwa kana iwe uine zvakanyanya kuomarara zvehutano zvinodiwa.

Mishonga yakajairika iyo inogona kushandiswa mukugadzirisa marwadzo inosanganisira, asi haigumiri kune:

• mishonga yemarwadzo e narcotic sePercocet, Vicodin, kana oxycodone
• gabapentin (mushonga wemarwadzo etsinga)
• celecoxib (inorwisa-kupisa mishonga)

Iyi mishonga inowanikwa mune akajairika uye mazita ezita mafomu. Iyo mishonga yakavharwa inoenderana nechero zano rako. Mari dzinosiyana kubva pakuronga kuronga, sezvichaita huwandu hwezvivakwa zvemishonga yakasiyana. Izvo zvinodhura zvinoenderana neako wega kuronga formulary, iyo inoshandisa iyo tier system kuunganidza zvinodhaka mune yakakwira, yepakati, uye yakaderera mitengo.

Izvo zvakakosha kuti uende kune anotora chikamu mutapi wezvehutano uye chemishonga kuti utore zvako zvirevo zveMedicare Chikamu D. KweChechi C, iwe unofanirwa kushandisa mune-network vanopa kuti uve nechokwadi chekuzara zvizere.

Wehutano wako mupi anofanira kukupa dzakasiyana siyana sarudzo yekurapa marwadzo ako, kwete chete mishonga yekunwa. Nekuwedzera kweopioid overdoses munguva dzichangopfuura, kusimbiswa kukuru kuri kuiswa pane yakachengeteka narcotic kushandiswa.

Zvinogona kunge zvakakodzera kuwana rwechipiri pfungwa kuti uone kana dzimwe sarudzo dzisiri dze narcotic, senge kurapwa kwepanyama, dzinogona kubatsira nemamiriro ako.

Over-the-counter (OTC) zvinodhaka

OTC mishonga inogona kushandiswa pakurapa kurwadziwa inosanganisira:

• acetaminophen
• ibuprofen
• naproxen
• lidocaine patches kana imwe mishonga yemusoro

Medicare Chikamu D hachifukidze OTC mishonga, chete mishonga yemishonga. Zvimwe zvikamu zveChikamu C zvinogona kusanganisira mvumo yemishonga iyi. Tarisa nezano rako nezve kufukidza uye zvakare chengeta izvi mupfungwa kana uchitenga chirongwa cheMedare.

Nei ndingangoda marwadzo ekurwadziwa?

Kurapa kwekurwadziwa kunosanganisira kurapwa, kurapwa, uye masevhisi ayo anoshandiswa kurapa kurwadziwa kwakanyanya uye kusingaperi. Kutambudzika kwakanyanya kunowanzoenderana nechirwere chitsva kana kukuvara. Mienzaniso yekurwadziwa kwakanyanya inosanganisira:

• kurwadziwa mushure mekuvhiyiwa
• kurwadziwa mushure metsaona yemotokari
• kutyorwa bhonzo kana gumbo
• kupwanya kurwadziwa

Mienzaniso yemamiriro ekurwadziwa asingaperi inosanganisira:

• gomarara kurwadziwa
• fibromyalgia
• arthritis
• herniated discs kumashure kwako
• chisingaperi chinorwadza chirwere

Dzimwe nzira dzekurwadziwa kwekurwadziwa

Pamusoro pemishonga yekurwadziwa uye kurapwa kwepanyama, kune dzimwe nzira dzekugadzirisa marwadzo asingaperi. Vanhu vazhinji vanowana zororo nemishonga inotevera:

• acupuncture, iyo iri kunyatso kuvharwa pasi peMedicare kune vanhu vane matambudziko ekurwadziwa kwepashure
• CBD kana mamwe mafuta anokosha
• kutonhora kana kupisa kupisa

Mazhinji eaya haana kufukidzwa neMedicare asi tarisa neako zano rekuti uone kana kurapwa kwakavharwa.

Kutora

• Kurapa manejimendi ekurapa uye masevhisi anowanzo kufukidzwa nezvakawanda zvirongwa zveMedare kana zvichisimbiswa sekurapa kunodiwa nemupi mupi wezvehutano.
• Medicare Kubatsira kufukidza kunogona kusiyana kubva pakuronga kuronga, saka ive shuwa yekutarisa neyako inishuwarenzi mupi nezve izvo zvakafukidzwa pasi peyako chirongwa.
• Kune zvakawanda zvimwe sarudzo kuti uongorore kugadzirisa marwadzo kunze kwemishonga yekurwadziwa kwe narcotic.

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.