Kunzwisisa Knee Kudzosera Mari: Ndezvipi zviri paBill?

Zvemukati

• Nei mari ichisiyana
• Chii chinopa kumubhadharo?
• Akawanda mabhiri
• Avhareji mari
• Inpatient mhosva
• Discounts
• Medicare
• Yakavanzika inishuwarenzi
• Kumbira chiremba wako
• Mhosva dzekunze
• Kunzwisisa bhiri rako
• Kugadzirira kwekugadzirira
• Kugara muchipatara nekuvhiyiwa
• Kuchengetedzwa kweposheni
• Totals
• Zvimwe zvinodhura
• Zvishandiso
• Kuchengetwa kwemumba masevhisi
• Kugadziriswa kwemba
• Sarudzo dzekuchengetedza mari
• Mhosva idzi dziri kubva kupi?

Mutengo chinhu chakakosha kufunga nezvacho paunenge uchifunga nezvekuzara kwemabvi kutsiva kuvhiya. Kune vanhu vazhinji, inishuwarenzi inovhara mutengo, asi panogona kunge paine imwezve mari.

Pano, iwe unogona kuwana zvimwe pamusoro pemutengo wekuvhiya mabvi.

Nei mari ichisiyana

Mutengo wekutsiva mabvi unogona kusiyana zvakanyanya, zvichienderana nekwaunogara, kiriniki yaunoshandisa, hutano hwako hwese, nezvimwe zvinhu.

Chii chinopa kumubhadharo?

Mari yekupedzisira yechipatara inoenderana nezvinhu zvakawanda, zvinosanganisira:

• Nhamba yemazuva aunogara muchipatara. Izvi zvinoenderana nekuti mabvi ako ekutsiva akazara, akasarudzika, kana maviri.
• Rudzi rwekusimudza uye yekuvhiya nzira. Izvi zvinosanganisira izvo zvinoiswa izvo zvinogadzirwa uye kushandiswa kwechero zvigadzirwa zvakagadzirwa zvekuvhiya kana hunyanzvi hwemakomputa.
• Mamiriro ezvinhu aripo. Unogona kuda kuchengetwa zvakanyanya muchipatara kana zvimwe zvekuchengetedza panguva yekuvhiyiwa.
• Nguva yakashandiswa mukamuri yekuvhiya. Kana kukanganisa kwacho kwakaomarara, zvinogona kutora nguva kuti zviitwe, uye izvi zvinonyanya kudhura.
• Kuchengetwa kusingatarisirwi kana zvishandiso. Kana zvinetso zvikaitika, ungangoda kutarisirwa kwakawedzerwa.

Akawanda mabhiri

Panowanzo kuve nemabhiri mazhinji mushure mekuvhiyiwa kwemabvi, kusanganisira iwo e:

• kuchengetwa muchipatara
• mishonga yese kubva kuna chiremba wekuvhiya vachiri muchipatara
• mamwe mabasa nemaitiro anoitwa nevashandi vekumba yekuvhiya

Mamwe mabasa uye mutengo zvinosanganisira basa rakaitwa neanesthesiologist, vabatsiri vekuvhiya, varapi vemuviri, nevamwe.

Avhareji mari

Zvinoenderana nechinyorwa cha2013 muAARP, U.S.zvipatara zvinobhadharisa madhora zviuru makumi mashanu, paavhareji, ekutsiva mabvi zvachose (TKR). Kuchinja kwemabvi kushoma (PKR) kunowanzoita gumi kusvika makumi maviri muzana pasi peTKR. Yako inishuwarenzi yehutano uye Medicare inovhara yakawanda yemubhadharo, asi kuchine mari yekubhadhara.

Munguva pfupi yapfuura, Blue Cross Blue Shield inofungidzirwa mu2019 kuti avhareji mutengo weinpatient mabvi kutsiva maitiro anga ari $ 30,249, achienzaniswa ne $ 19,002 seanorapa kunze.

Chikonzero chikuru ndechekuti PKR inoda kugara kwenguva pfupi muchipatara: avhareji yemazuva 2.3, zvichienzaniswa nemazuva 3.4 eTKR.

Ramba uchifunga kuti mari dzechipatara hadziratidze huwandu hwaunobhadhara muhomwe. Iwe unogona kudzidza zvakawanda nezve kunze-kwe-muhomwe mari pazasi.

Inpatient mhosva

Inpatient mhosva ndidzo dzinoitika iwe uri muchipatara.

Mari dzinobva kuna chiremba uye vamwe vanopa hutano dzinogona kuwedzera avhareji yemadhora mazana manomwe nemazana mashanu kuchipatara chekubhadharisa, asi izvi zvinoenderana nekiriniki uye zvimwe zvinhu.

Discounts

Zvipatara dzimwe nguva zvinopa zvidzikiso kana iwe usina hutano inishuwarenzi kana usina kufukidzwa neMedicare. Bvunza nezve zvingangoita kuderedzwa kana chirongwa chekubhadhara usati waronga kuvhiyiwa kwako kana iwe usina inishuwarenzi yekuvhara. Iwe unofanirwa kuyedza kufungidzira yako mari pamberi kana uine inshuwarisi kana kuti kwete.

Medicare

Paunenge uchinge wasvika pakubvisirwa kwako, Medicare inowanzobhadhara zana muzana muzana yeanorapwa mhosva inoenderana nemaitiro uye kugara kwechipatara. Yakavanzika inishuwarenzi inoronga pre-kutaurirana mubhadharo nezvipatara nevatapi. Ivo vanowanzo bhadhara chete muzana yemitengo yakazara.

Yakavanzika inishuwarenzi

Yakavanzika inishuwarenzi inosiyana, uye zvakakosha kuti utarise yako bhenefiti chirongwa usati waronga ibvi kutsiva.

Tarisa pfungwa dzinotevera usati waita sarudzo yako:

• yako inobviswa
• izvo vanopa vari mune yako inishuwarenzi network
• iyo inobatsira inishuwarenzi yako inovhara

Kumbira chiremba wako

Usati waronga kuvhiyiwa, taura nachiremba wako, mumiriri wechipatara, uye wako weinishuwarenzi kuti uone kuti zvipi zvibhadharo zviri munharaunda yako uye kuti ndezvipi zvinoderedzwa zvinogona kushanda.

Mhosva dzekunze

Inpatient maitirwo uye kuchipatara mhosva ndiyo yako hombe mari.

Asi iwe unodawo kubhadhara kune vekunze mabasa usati uye mushure mekuita kwako. Outpatient zvinoreva masevhisi anoitika kana usiri muchipatara.

Izvi zvekuwedzera mari zvinosanganisira:

• pre- uye postoperative mutengo kubva kuhofisi yekushanyira uye basa rebhu
• kurapa kwepanyama
• kutevera-kushanya nachiremba wako panguva yekupora kwako

Medicare inowanzobhadhara makumi masere kubva muzana emari dzekunze dzevashandi dzinobhadharisa nhengo dzayo. Zvirongwa zveinishuwarenzi zvakavanzika zvinosiyana.

Iwe unofanirwa kutarisira kubviswa uye macopay kunyorera kune chero munhu wekunze kana muhofisi yekushanyira mhosva usati uye mushure mekuvhiyiwa kwako.

Kunzwisisa bhiri rako

Mabhiri anosiyana, asi izvi ndizvo zvaunogona kutarisira kana iwe uine mabvi kutsiva:

Kugadzirira kwekugadzirira

Chikamu chekuongorora chekutanga chinosanganisira kubvunzana kana kushanyira hofisi, imaging, uye basa rebhu. Basa rebhu rinowanzo sanganisira basa reropa, tsika, uye mapaneru bvunzo.

Huwandu hweanotarisirwa masevhisi nemitero yakazara inosiyana neinishuwarenzi kufukidza uye zera boka.

Semuenzaniso, mumwe munhu anodarika makore makumi matanhatu nemashanu, anowanzovharwa neMedare, kazhinji anoda basa rakawanda rebhu kupfuura munhu ari pasi pemakore makumi matanhatu nemashanu. Izvi imhaka yekuti mukuru akura anowanzove nemamiriro ezvinhu aripo anofanirwa kunzwisiswa zvizere panguva yekuongororwa kwenyanzvi.

Kugara muchipatara nekuvhiyiwa

Iwe uchagamuchira yakaparadzana mabhiri eTKR. Sezvakakurukurwa pamusoro, chipatara chinokubhadharira kugara kwako, nguva yaunoshandisa mukamuri rekuvhiyira, uye mamwe masevhisi anoshanda, zvekushandisa, nemidziyo inoshandiswa.

Vapiro vanozokubhadharira mashandisirwo emari anovhara masevhisi anopiwa nachiremba anovhiya, pamwe ne

• yokutindivadza
• majekiseni
• zvokurwara mabasa
• rubatsiro rwekuvhiya, semuenzaniso, kushanda kwekombuta-yakabatsirwa kana imwe tekinoroji
• kurapa kwepanyama
• kubatana kwekutarisira

Ramba uchifunga kuti zvimwe zvinhu zvakawanda zvinogona kukanganisa kubhadharisa uye nemitengo inoenderana nemaitiro.

Matambudziko anogona kubata chero munhu, asi vanhu vane mamiriro ezvinhu aripo vanogona kubata. Kana zvinetso zvikaitika, ungangoda rubatsiro rwekuwedzera, uye izvi zvinowedzera kune yako bhiri.

Chirwere cheshuga, kufutisa, uye kupererwa neropa mienzaniso yese yemamiriro ezvinhu aimbovapo.

Kuchengetedzwa kweposheni

Kudzoreredza uye kugadzirisa kunosanganisira:

• outpatient epanyama kurapwa mabasa
• chero maturusi uye marapirwo anoitwa nachiremba wepanyama
• outpatient yekutevera

Totals

Ivhareji kunze-kwe-muhomwe mari muUnited States maseru zvakanyanya. Zvinoenderana nehurongwa hweinishuwarenzi yako.

Kune varwere veMedare, mari dzekunze-muhomwe dzinogona kunge dziri mumazana emadhora. Avo vane inishuwarenzi yakazvimirira vanogona kutarisira kuti idzi mutengo dzosvika muzviuru.

Wongorora chirongwa chako nokungwarira kana iwe uine inishuwarenzi yakavanzika. Rangarira kuisa muako unobvisirwa, copay, coinsurance, uye max kunze-kwehomwe tsika.

Zvimwe zvinodhura

Mari yekutarisirwa nemasevhisi inongova chikamu chemubhadharo wakazara.

Zvishandiso

Panogona kunge paine mari yekuwedzera yemidziyo yakasarudzika, inozivikanwa seyakagara michina yekurapa, senge inoenderera yekungofamba muchina, famba, kana madondoro.

Kuchengetwa kwemumba masevhisi

Mazhinji zvirongwa zveinishuwarenzi uye Medicare inovhara izvi zvishandiso. Nekudaro, ivo vanogona kuoneka semari yekuwedzera pamubhadharo wako wechipatara kana imwe bhiri.

Iwe unogona zvakare kuda imwe yekuwedzera kurapwa kana mukoti mumba mako.

Tarisira kubhadhara muhomwe kana inishuwarenzi yako isingavhare mabasa ekuchengeta pamba.

Pachave nemari yekuwedzera kana iwe usingakwanise kudzokera kumba nekukasira uye uchida kushandisa nguva mune rehab kana nzvimbo yekuyamwisa yekuwedzera kutarisirwa.

Kugadziriswa kwemba

Ungangoda kuisa midziyo yekuchengetedza mumba mako, senge:

• chengetedzo mbariro uye njanji
• bhenji rekugezera
• chigaro chekumusoro chimbuzi chine maoko

Rangarira kuisa muhomwe yakarasika kana iwe ukatora nguva kubva kubasa rekuvhiyiwa kana panguva yekupora. Taura newaunoshandira uye mupi weinishuwarenzi kuti uone kana iwe uchikodzera chero einishuwarenzi yekuremara sarudzo inovhara nguva yekusaenda kubasa.

Kuremara inishuwarenzi rudzi rweinishuwarenzi iyo inobhadhara chikamu chikamu kune vashandi vasingakwanise kushanda nekuda kwekukuvara kana kuremara. Inogona kuvhara nguva yekuzorora iwe yaunoda kuvhiya senge TKRs.

Dzidza zvakawanda nezve maitiro ekugadzirira imba yako kuti uwanezve.

Sarudzo dzekuchengetedza mari

Vamwe vanhu vanosarudza kuvhiyiwa mhiri kwemakungwa. Mutengo unogona kunge wakadzikira zvakanyanya munyika dzakaita seMexico, India, kana Taiwan. Nekudaro, iwe unogona kushandisa zviuru zvinoverengeka zvemadhora kumatikiti endege, mahotera, uye zvimwe zvinoenderana nemari.

Kana iwe uri kufunga kutora nzira iyi, ita shuwa kuti nzvimbo iyi ine kubvumidzwa kwepasi rose neJoint Commission International usati wabvuma maitiro acho.

Kana zvikadaro, izvi zvinoreva kuti vanovhiya vanozivikanwa uye kuti zvivakwa nemaprosthes zvinosangana nemhando yepamusoro.

Nekuziva izvo mitengo kumberi, iwe unogona kudzivirira kushamisika - uye zvinogona kunetsa - pasi pemutsara.

Mhosva idzi dziri kubva kupi?

Bhiri rekutsiva mabvi rese rine zvese pre- uye posturgery mutengo, pamwe nemutengo wekuvhiya pachako, nemitero inosanganisira:

• presurgery chiremba anoshanyira uye lab basa
• kuvhiyiwa uye nguva yaunoshandisa mukamuri yekuvhiya, kusanganisira mhosva dzeanesthesia uye zvimwe zvishandiso zvinoshandiswa
• kugara kwako muchipatara
• postsurgery chiremba anoshanyira
• kurapa kwepanyama