Medicare Inovhara Pafudzi Kuchinja Kuvhiya?

Zvemukati

• Ndezvipi zvikamu zveMedare zvinofukidza mafudzi ekutsiva?
• Medicare Chikamu A kufukidza
• Medicare Chikamu B kufukidza
• Medicare Chikamu C kufukidza
• Medicare Chikamu D kufukidza
• Kufungidzirwa kweMedigap
• Ndezvipi zviri kunze-kwehomwe mari kune yakavharwa maitiro?
• Chekutanga Medicare mutengo
• Medicare Chikamu C inodhura
• Medicare Chikamu D inodhura
• Chii chandinofanira kutarisira kubva pamafudzi kutsiva kuvhiya?
• Asati maitiro
• Zuva remaitiro
• Mushure mekuita
• Dzimwe nzira dzekuvhiya
• Cortisone majekiseni
• Kurapa kwepanyama
• Marwadzo anoderedza
• Stem cell kurapa
• Kutora

• Kuvhiya kwepafudzi kunodzora marwadzo uye kuwedzera kufamba.
• Maitiro aya akafukidzwa neMedicare, chero bedzi chiremba wako achisimbisa kuti zvakakosha pakurapa.
• Medicare Chikamu A chinovhara kuvhiya kwechipatara, nepo Medicare Chikamu B ichifukidza nzira dzekunze.
• Iwe unogona kunge uchifanira kubhadhara zvimwe zvekunze-kwehomwe mutengo wekushandurwa kwepafudzi, kunyangwe uine Medicare kufukidza.

Bendekete rako ibatanidzwa rinochinja-chinja iro rinogona kubatwa nekukuvara nekusakara. Banda rakakuvara zvakanyanya rinogona kukanganisa hupenyu hwako. Kunyangwe zvakadaro, kuvhiya kwepafudzi kunowanzo kuverengerwa senge kusarudzika.

Nekuti Medicare haiwanzo kufukidza kuvhiya kwesarudzo, unogona kunetseka kuti uchafanira kurarama nemarwadzo kana kubhadhara kuvhiyiwa muhomwe. Asi Medicare ichaita, kutaura zvazviri, kubhadhara chikamu chemitengo kana chiremba wako akataura kuti kuvhiya kwepafudzi kuchinjirwa kunodiwa pakurapa mune yako chaiyo kesi.

Ndezvipi zvikamu zveMedare zvinofukidza mafudzi ekutsiva?

Iwe ungangoda kuvhiyiwa kwepafudzi kuti ugadzirise fudzi rako kana kuti udzikise kumwe kukuvara kune mubatanidzwa.

Chiremba wako anozoda kuratidza kuti kuvhiyiwa kwako kunodiwa kuporesa kana kudzivirira kukuvara kuri kuitika kunokonzerwa nechirwere, senge arthritis. Chiremba uyu anofanira kunyoreswa uye kubvumidzwa neMedare.

Mhando yekuvhiya yaunoda inoenderana nezvinhu zvinoverengeka, kusanganisira kukura kwekukuvara kuri papfudzi rako. Dzimwe mhando dzakajairika dzekuvhiyiwa kwepafudzi dzinosanganisira:

• Rotator cuff kuvhiyiwa. Rotator cuff kugadzirisa kunogona kuitwa arthroscopically kana sekuvhiya kwakashama.
• Yakavhiyiwa labrum kuvhiyiwa. Izvi zvinowanzoitwa arthroscopically.
• Arthritis kuvhiyiwa. Izvi zvinowanzoitwa arthroscopically asi zvingangoda kuvhiyiwa kwakavhurika kana kukuvara kwepafudzi rako kwakanyanya.
• Kugurwa kwepafudzi kugadzirisa. Rudzi rwekuvhiya runodikanwa huchagadziriswa nenzvimbo uye kuomarara kwekutyoka kana kutsemuka.

Tevere, isu tichatarisa izvo zvakafukidzwa pasi pechikamu chimwe nechimwe cheMedare.

Medicare Chikamu A kufukidza

Kuvhura kuvhiya inzira inoparadza inoda chiremba anovhiya kuti aite mucheche muhombe kuti agadzirise kana kutsiva pfudzi rako.

Kana yako yakavhurika fudzi kutsiva iri yekurapa inodikanwa, Medicare Chikamu A chichafukidza chikamu chemutengo. Chikamu A chimwe chikamu chekutanga Medicare.

Chikamu A chichafukidzawo chero mishonga kana marapirwo aunogashira iwe uchigara muchipatara, hunyanzvi hwevanamukoti, kana nzvimbo yekuvandudza. Asi zvakakosha kuti uzive kuti kune miganho kuti kwenguva yakareba sei Medicare ichafukidza kugara pane chero rudzi rwechipatara.

Medicare Chikamu B kufukidza

Kuvhiya kwepafudzi kunogona kuitwawo arthroscopically. Rudzi urwu rwekuvhiya runokuvadza zvishoma uye runowanzoitwa muchipatara kana kiriniki inosununguka pane yekurapa.

Kana iwe uine arthroscopic papfudzi kutsiva, chiremba wako anozoita diki incision mufudzi rako oisa kadiki kamera ipapo. Kuburikidza neimwe incision diki, chiremba anovhiya achagadzirisa kana kutsiva zvikamu zvepafudzi rako.

Kana yako arthroscopic bhegi yekutsiva yekuvhiya iri mishonga inodiwa, Medicare Chikamu B inovhara chikamu chemutengo. Chikamu B ndechimwe chikamu chekutanga Medicare.

Chikamu B chinovharawo zvinhu izvi nemasevhisi zvakare, kana zvichidikanwa:

• ese madhiri ako echiremba kusati kwaitwa uye mushure mekuvhiyiwa
• kurapwa kwepanyama zvichitevera kuvhiyiwa, izvo zvauchazoda zvisinei nekuti une rudzii rwemaitiro
• chero michina yekurapa yakasimba yaunoda mushure mekuvhiyiwa, senge ruoko chipfuramabwe

Medicare Chikamu C kufukidza

Kana iwe uine Medicare Chikamu C (Medicare Advantage), chirongwa chako chichavhara zvese zvinodhura zvakafukidzwa neyekutanga Medicare (zvikamu A neB). Zvichienderana nechirongwa chako, zvinogona zvakare kuvhara mishonga yemishonga.

Kuchengeta yako yekunze-kwehomwe yakadhura pasi, zvakakosha kushandisa mu-network vanopa uye mapurmesi kana iwe uine Chikamu C chirongwa.

Medicare Chikamu D kufukidza

Chero mishonga yaunotorerwa kuti utore mushure mekuvhiyiwa, senge mishonga yekurwadziwa, ichafukidzwa neMedicare Chikamu D. Chikamu D isarudzo yemishonga yemishonga inopihwa kuburikidza neMedicare.

Chikamu chega chega Chikamu D chinosanganisira fomu. Urwu ndirwo runyorwa rwemishonga iyo iyo hurongwa inovhara uye neepesenti yekuvhara iwe yaunogona kutarisira.

Kufungidzirwa kweMedigap

Kana iwe uine yekutanga Medicare, iwe unogona zvakare kuve neyeMedigap chirongwa. Zvichienderana nechirongwa chako, Medigap inogona kuvhara zvimwe zvekusara-kwe-homwe mutengo wekuvhiya kwako kwepafudzi. Izvi zvinogona kusanganisira yako macopays, coinsurance, uye zvakaderedzwa.

Medigap inowanzovhara mishonga inopihwa kuburikidza neChikamu D. Cherekedza, zvisinei, kuti zvirongwa zvakawanda hazvibvumidzwe kuvhara chikamu chePrim B.

Ndezvipi zviri kunze-kwehomwe mari kune yakavharwa maitiro?

Zvinogona kuve zvakaoma kufungidzira yako chaiyo kunze-kwe-muhomwe mari usati waita maitiro. Hofisi yako yekubhadhara yechiremba inofanira kukwanisa kukupa fungidziro yakanyorwa yezvaunogona kutarisira. Izvi zvinowanzo sanganisira huwandu hweanogona kunge ari emitengo, zvichibva pane masevhisi aungangoda panguva uye nekukurumidza mushure mekuita.

Chekutanga Medicare mutengo

Iko kune kunze-kwe-muhomwe mari iwe yaunogona kutarisira, kunyangwe iwe uine Medicare. Izvi zvinosanganisira:

• Nekuvhiyiwa kwechipatara, chikamu chako A chipatara chechipatara chinobvisirwa $ 1,408. Izvi zvinofukidza mazuva makumi matanhatu ekutanga eMedare-akafukidzwa mukati mechipatara kurapwa panguva yekubatsira.
• Kana iwe uchida kugara kwenguva refu, iwe uchabhadhara mari yemari yemadhora 352 zuva nezuva kubva pazuva 61 kusvika zuva 90 munguva yekubatsira uye $ 704 zuva nezuva kune chero mazuva ehupenyu aunoshandisa.
• Kana iwe ukagara munzvimbo yevanamukoti vane hunyanzvi, mari yako yezuva nezuva yekubhadhara mari kubva pazuva 21 kusvika pazuva zana munguva yekubatsira ingangove $ 176 pazuva.
• Zvekuvhiyiwa kunze, iwe une basa rekusangana neChikamu B chako chinobvisirwa madhora 198, pamwe nemari yako yemubhadharo yemwedzi, inova $ 144.60 kuvanhu vazhinji muna 2020.
• Iwe uchabhadhara makumi maviri kubva muzana emitengo yakabvumidzwa neMedicare yeiyo nzira yekurapa.
• Iwe uchazobhadharawo makumi maviri kubva muzana emitengo yemidziyo ipi neipi inogara yakasimba yezvokurapa uye yekugadzwa kwemuviri.

Medicare Chikamu C inodhura

Kana iwe uine Medicare Chikamu C, mari yako inozosiyana zvichienderana nerudzi rwechirongwa chauinacho. Wako inishuwarenzi anogona kukupa chaiyo kufukidzwa uye copay ruzivo pamberi penguva. Kazhinji, iwe unogona kutarisira kubhadhara imwe nzira yecopay.

Hazvina mhosva kuti une rudzii rweChikamu C chirongwa chauinacho, zvinotarisirwa zviri pamutemo kuti chirongwa chako chifukidze zvakati wandei sekutanga Medicare. Izvi zvinosanganisira mitengo yeinpatient kana outpatient kuvhiyiwa.

Medicare Chikamu D inodhura

Kana iwe uine Medicare Chikamu D, mari yako ichasiyana zvichienderana nechirongwa chauinacho. Iwe unenge ungangove uine mamwe macopay emitengo kune chero mishonga yakatarwa iwe

Izvo zvinodhura pamushonga zvakagadzwa nehurongwa hwako hwehukama uye tier system. Yako chirongwa mupi anogona kukuzivisa iwe izvo zvaunotarisira kubhadhara kune yega mishonga pamberi penguva.

Medicare ine maitiro ekutsvaga mutengo wekutarisa, izvo zvinogona kukubatsira iwe kuona mutengo wekuvhiyiwa kwechipatara. Kuti uwane mhedzisiro yakajeka, bvunza chiremba wako zita chairo remaitiro kana kodhi yerudzi irworwo rwekuvhiya.

Chii chandinofanira kutarisira kubva pamafudzi kutsiva kuvhiya?

Asati maitiro

Nhanho yekutanga ndeyekuti uve nechokwadi chekuti une hutano hwakakwana kuti ugovhiya pamafudzi ekutsiva. Mavhiki akati wandei usati waitwa zuva rekuvhiyiwa, chiremba wako acharonga bvunzo dzepanyama kuti uongorore moyo wako uye hutano hwakazara. Panguva iyoyo, chiremba wako anogona kukurudzira kuti umire kutora mimwe mishonga, senge rinocheka ropa.

Kutarisira kuvhiyiwa kunogona kushungurudza vanhu vazhinji. Edza kuzorora zvakanyanya sezvinobvira uye uwane kurara kwakanaka husiku hwapfuura.

Zuva remaitiro

Chiremba wako achakuzivisa iwe kana iwe uchifanira kurega kudya uye kunwa usati wavhiyiwa. Kana iwe uchiwanzotora mishonga yemazuva ese mangwanani, bvunza chiremba wako kana uchifanira kuitora pazuva rekuita.

Kana iwe uri kuvhiyiwa pachena, iwe unofanirwa kuve wakagadzirira kupedza mazuva akati wandei muchipatara. Uya nechinhu chingaite kuti unzwe kugadzikana, senge bhuku rakanaka kuverenga, foni yako, uye charger yefoni.

Inenge awa imwe isati yaitwa, anesthesiologist achakuongorora. Iwe zvakare uchasangana nachiremba wako wechiremba, uyo anokutsanangurira maitiro acho zvakadzama. Shandisa nguva ino kubvunza chero mibvunzo yauinayo.

Nguva yenguva inodiwa pakuvhiyiwa kwepafudzi inosiyana, asi kazhinji inotora maawa maviri kusvika matatu. Iwe unomuka mukamuri yekutora, kwaunogara kwenguva yakati.

Kana kuvhiyiwa kwako kukaitwa pachipatara, uchaendeswa kukamuri rako mushure mekupedza maawa akati wandei mukupora. Kana kuvhiyiwa kwako kwakaitwa kuchipatara, iwe uchazoda mumwe munhu kuzokutora mushure mekusunungurwa.

Mushure mekuita

Sezvo nekuvhiyiwa kupi zvako, kumwe kurwadziwa kana kusagadzikana kunogona kutarisirwa. Chiremba wako anokupa mishonga yekurwadziwa kuti ubatsire. Iwe unogona kurairwa kutora mishonga yako pane dzimwe nguva kana kuti marwadzo ako asati awedzera. Iwe unogona zvakare kuudzwa kunyorera chando kunzvimbo.

Unozoburitswa neruoko rwako muchipfuramabwe, icho chaunganzi upfeke kwemavhiki akati wandei.

Kurapa kwepanyama kunowanzotanga pakarepo, dzimwe nguva kunyangwe pazuva remaitiro. Kushandisa bendekete rako sekurairwa kunobatsira iwe kuti ufambe nekukurumidza. Chiremba wako anokupa mushonga kuti uenderere mberi nekurapwa kwemuviri sekureba sekukosha kwazvinoita

Bandauko rako neruoko zvinotanga kunatsiridza zvishoma nezvishoma. Mukati memavhiki maviri kusvika matanhatu, iwe unogona kutarisira kunzwa uye kuona kwakanyanya kuvandudzika uye unogona kutangazve mazhinji ezviitwa zvehupenyu hwezuva nezuva.

Zvinogona kutora nguva yakareba kuti iwe utyaire mota kana kutamba mitambo, zvakadaro. Unogona kusakwanisa kutakura mapakeji anorema kwemwedzi yakati wandei. Izvo zvinogona zvakare kutora mwedzi mitanhatu kana kupfuura usati wave nekufamba kuzere mupfudzi rako.

Kugadziriswa kwepafudzi kunogona kutora makore gumi nemashanu kusvika makumi maviri.

Dzimwe nzira dzekuvhiya

Kunze kwekunge iwe uine kukuvara kunoda kugadziriswa nekukurumidza, senge rakatyoka kana rakatyoka pfupa repafudzi, chiremba wako anogona kukurudzira kuedza dzimwe nzira dzekuvhiya kutanga.

Cortisone majekiseni

Cortisone shots inogona kushandiswa kudzikamisa marwadzo uye kuzvimba mumubatanidzwa wepafudzi. Ivo vanowanzo kupihwa muhofisi yechiremba uye vanofanirwa kupihwa nachiremba-anotenderwa chiremba kuti avharwe.

Yakawanda Chikamu D uye Chikamu C inoronga kuvhara majekiseni ecortisone. Zvimwe zvikamu zvebhiri rako, senge mari dzehutongi, zvinogona kuvharwa neChipiri B.

Kurapa kwepanyama

Kurapa kwepanyama kunogona kubatsira nekurwadziwa, kufamba, uye kugadzikana kwejojo. Zvirwere zvinodikanwa zvekurapa zvakavharwa neMedare Chikamu B, chero iwe uine mushonga kubva kuna chiremba anogamuchirwa naMedare. Iwe zvakare unofanirwa kushandisa Medicare-inogamuchirwa yepanyama murapi.

Marwadzo anoderedza

Mishonga yekunyorera yemarwadzo yakafukidzwa nezvakawanda chikamu D uye Chikamu C zvirongwa. Zvimwe zveChikamu C zvinorongedza zvakare pamusoro-pe-counter mishonga yekurwadziwa.

Stem cell kurapa

Uku kurapwa kunogona kukurudzirwa kune yakasarudzika tendon kana mhasuru misodzi. Inogona zvakare kukurudzirwa kukuvara kwetikoroti. Asi parizvino haina kubvumidzwa neDFA, zvinoreva kuti haina kuvharwa nechimwe chikamu cheMedare.

Kutora

• Kuvhiya kwepafudzi kunogona kuva imwe sarudzo yekubvisa marwadzo uye kuwedzera kufamba. Iwe unogona zvakare kuyedza isiri mishonga.
• Medicare inovhara inpatient uye outpatient pfudzi kutsiva maitiro, chero bedzi ivo vachionekwa sekurapa kuchidikanwa.
• Chikamu chimwe nechimwe cheMedicare chichafukidza maitiro akasiyana, masevhisi, mishonga, uye zvinhu zvaungangoda panguva yese iyi.
• Kunze-kwe-muhomwe kudhura neyekutanga Medicare kufukidza kwakanaka chaizvo. Uine Chikamu C, Chikamu D, kana kufukidzwa kweMedigap, ungangoda kusimbisa huwandu hwekuvhara uye mutengo neako mupi wezano.