I-Medicare kunye neArthritis: Yintoni efihliweyo kwaye yintoni engekhoyo?

Umxholo

• Ngaba zonke iindleko ze-osteoarthritis ziyagutyungelwa?
• Ngaba i-Medicare igubungela i-rheumatoid arthritis?
• Kuthekani ngokutshintsha kwamalungu?
• Izongezo kwi-Medicare
• Qala ngogqirha wakho
• Yise kude

I-Medicare yoqobo (iinxalenye ze-A kunye ne-B) ziya kubandakanya iinkonzo kunye noncedo lonyango lwe-osteoarthritis ukuba ugqirha wakho ufumanise ukuba kunyanzelekile ngokwezonyango.

I-Osteoarthritis lolona hlobo luqhelekileyo lwe-arthritis. Iphawuleka ngokunxiba kwi-cartilage edibanisa amalungu. Njengoko i-cartilage inxiba, inokubangela unxibelelwano lwethambo-kwethambo ngokudibeneyo. Oku kunokukhokelela kwintlungu, ukuqina, kunye nokudumba.

Funda ukuze ufunde ngokugubungela i-osteoarthritis kunye nezinye iintlobo zesifo samathambo.

Ngaba zonke iindleko ze-osteoarthritis ziyagutyungelwa?

Impendulo elula yile: hayi. Kukho iindleko onokuthi uxanduva lwakho.

Ukuba unayo i-Medicare Part B (i-inshurensi yezonyango), uya kuthi uhlawule ipremiyamu yenyanga. Kwi-2021, uninzi lwabantu loo mali yi- $ 148.50. Ngo-2021, uya kuthi uhlawule i-203 yeedola kwiCandelo B lonyaka elitsalekayo. Emva kokuncitshiswa, uhlala uhlawula ipesenti ezingama-20 zecopay yemali evunyiweyo ye-Medicare:

• uninzi lweenkonzo zogqirha (kubandakanywa nesigulana esibhedlele)
• Unyango lwangaphandle
• izixhobo zonyango ezomeleleyo, ezinje ngokuhamba okanye isitulo esinamavili

I-Medicare ayizukugubungela amayeza e-counter-the-counter (OTC) anokucetyiswa ngugqirha wakho ngokulawula iimpawu ze-osteoarthritis, ezinje:

• i-acetaminophen (iTylenol)
• I-OTC NSAIDs (iziyobisi ezichasayo ezingasebenziyo) njenge-naproxen sodium (Aleve) kunye ne-ibuprofen (Motrin)

Ngaba i-Medicare igubungela i-rheumatoid arthritis?

I-rheumatoid arthritis (RA) sisifo esizenzekelayo esibangela ukudumba okubuhlungu (ukudumba). Ihlala ihlasela amalungu, ihlala idibanisa amaninzi ngexesha elinye.

I-Medicare yoqobo (iinxalenye ze-A kunye ne-B) zinokugubungela unyango lwe-RA njengenkonzo yolawulo lokhathalelo olungapheliyo. Ukulawulwa konyango olungapheliyo kufuna ukuba uneemeko ezimbini okanye ezingaphezulu kakhulu ezingapheliyo ukuba ugqirha wakho alindele ukuba zihlale ubuncinci unyaka, ezinje:

• isifo samathambo
• isifo sentliziyo
• isifo seswekile
• umbefu
• uxinzelelo lwegazi

Njengolunye unyango, lindela iindleko ezingaphandle kweepokotho, ezinje ngePrimiyamu zeCandelo B kunye neecopays.

Kuthekani ngokutshintsha kwamalungu?

Ukuba isifo sakho samathambo siye saqhubela phambili kangangokuba ugqirha wakho uziva ngathi utyando oludibeneyo luyimfuneko, amayeza e-Medicare A kunye no-B aya kugubungela iindleko ezininzi, kubandakanya nezinye zeendleko zokubuyela kwimeko yesiqhelo.

Njengolunye unyango, unokuba neendleko ezingaphandle kweepokothini, ezifana neeprimiyamu zeCandelo B kunye neepopay.

Izongezo kwi-Medicare

Ungathenga i-inshurensi kwiinkampani zabucala eziza kubandakanya ezinye, kwaye mhlawumbi zonke, zeendleko ezongezelelweyo ezingagutyungelwanga yiMedicare yoqobo, enje:

• IMedigap. I-Medigap yi-inshurensi eyongezelelweyo enokukunceda ukuhlawula ii-copayments, i-coinsurance, kunye ne-deductibles.
• Icandelo leMedicare C (Uncedo lweMedicare). Iiplani ze-Medicare Advantage zifana ne-PPO okanye i-HMO enika iindawo zakho ze-A kunye ne-B zokugubungela ngaphezu kwezinye izibonelelo. Uninzi lubandakanya i-Medicare Icandelo D kwaye uninzi lubonelela ngenkxaso eyongezelelweyo njengamazinyo, umbono, ukuva, kunye neenkqubo zempilo. Awunakho ukuba neMedigap kunye neCandelo C, kuya kufuneka ukhethe enye okanye enye.
• Icandelo leMedare D. Amacandelo amayeza e-Medicare Part D amayeza agubungela konke okanye inxenye yeendleko zamayeza athile. Ayingawo onke amayeza agutyungelweyo, kungumbono olungileyo ukuqinisekisa ukugubungela kwaye ubuze malunga namanye amayeza, anje ngeenguqulelo eziqhelekileyo, ukunceda ukunqanda iindleko ezingalindelekanga.

Qala ngogqirha wakho

Inyathelo lokuqala kukuqinisekisa ukuba ugqirha wakho uyayamkela i-Medicare okanye, ukuba uthenge i-Medicare Part C, ukuba ugqirha wakho ukwisicwangciso sakho.

Xoxa malunga nolunye unyango olucetyiswayo lwe-arthritis kunye nogqirha wakho ukuze ubone ukuba lugqitywe yi-Medicare yakho okanye ukuba kukho ezinye iindlela onokufuna ukuziqwalasela.

Unyango lunokubandakanya ezinye okanye zonke ezi zinto zilandelayo:

• amayeza (i-OTC kunye nonyango)
• utyando
• unyango (ngokwasemzimbeni nangasemsebenzini)
• izixhobo (umoba, ukuhambahamba)

Yise kude

• I-Medicare yoqobo iya kugubungela iinkonzo eziyimfuneko kunye nokubonelela ngonyango lwe-arthritis, kubandakanya notyando oludibeneyo lokutshintsha.
• Kukho iindleko ezingaphandle kweepokotho ezingafakwanga yiMedicare yoqobo. Ngokuxhomekeke kwiimfuno zakho ezithile, kunokuba kulungele ukuphonononga iindlela zokuhamba kunye ne-Medicare yakho yokugubungela, njenge:
  • IMedigap (i-inshurensi yonyango eyongezelelweyo)
  • Icandelo leMedicare C (Uncedo lweMedicare)
  • Icandelo le-Medicare Icandelo D (ukugubungela amayeza amayeza)

Eli nqaku lahlaziywa ngo-Novemba 20, 2020 ukubonisa ulwazi lwango-2021 lonyango.

Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.