Ngaba ukutshintshwa kwe-Hip kugqityiwe ngamayeza?

Umxholo

• Yintoni i-Medicare egubungela ngokutshintshwa kwe-hip?
• Icandelo lezaMayeza A
• Icandelo leMedare B
• Icandelo leMedare D
• Isishwankathelo sogqithiso nguMedicare
• Zeziphi iindleko zokubuyisela umlenze ezigutyungelwa yiMedicare?
• Ukongezwa okongezelelweyo
• Ukuchonga iindleko zakho
• Malunga notyando lokutshintsha unyonga
• Yise kude

I-Medicare yoqobo (Icandelo A kunye neCandelo B) liya kugubungela utyando lotshintsho lwenyonga ukuba ugqirha wakho ubonakalisa ukuba kunyanzelekile ngokwezonyango. Oku akuthethi, nangona kunjalo, ukuba i-Medicare iya kugubungela iipesenti ezili-100 zeendleko. Endaweni yoko, iindleko zakho ziya kumiselwa sisicwangciso sakho sokugubungela, iindleko zenkqubo, kunye nezinye izinto.

Funda ukuze ufunde ngakumbi malunga nokulindela.

Yintoni i-Medicare egubungela ngokutshintshwa kwe-hip?

I-Medicare yoqobo (i-Medicare Icandelo A kunye ne-Medicare Icandelo B) inokukunceda ukuhlawula iindleko ezithile zotyando lwakho lokutshintsha kwakhona.

Icandelo lezaMayeza A

Ngokutsho kweZiko leSizwe leArthritis kunye neMisculoskeletal kunye neZifo zeSikhumba, abantu bafuna ukuhlala esibhedlele iintsuku ezi-1 ukuya kwezi-4 emva kokutshintshwa kwe-hip. Ngexesha lokuhlala kwakho kwisibhedlele esivunyelweyo seMedicare, Icandelo leMedicare A (i-inshurensi yesibhedlele) iya kunceda ukuhlawulela:

• igumbi semi-zabucala
• izidlo
• ukonga
• iziyobisi eziyinxalenye yonyango lwakho

Ukuba ufuna ukhathalelo lobuchule olulandelayo emva kwenkqubo, iCandelo A linceda ukugquma iintsuku ezili-100 zokuqala zononophelo. Oku kunokubandakanya unyango lomzimba (PT).

Icandelo leMedare B

Ukuba ukutshintshwa kwe-hip yakho kwenziwa kwiziko lokuhlinzwa, i-Medicare Part B (i-inshurensi yonyango) kufuneka incede ukuhlawula iindleko zonyango lwakho. Ingaba utyando lwakho lwenziwe esibhedlele okanye kwiziko lokugula, i-Medicare Part B iya kunceda ukuhlawula:

• Imirhumo kagqirha (utyelelo lwangaphambi nasemva kokuphuma, unyango lwasemva komzimba, njl.
• utyando
• izixhobo zonyango ezomeleleyo (ummoba, ukuhambahamba, njl.

Icandelo leMedare D

Icandelo lonyango i-Medicare Icandelo D kukuthenga amayeza anokuthengwa kwinkampani yeinshurensi yabucala ngokwahlukeneyo kwiMedicare yoqobo. Icandelo D ligubungela amayeza asebenza emva kwexesha angakhange agqitywe yiMedare, njengamayeza okulawula iintlungu kunye nokucheba kwegazi (ukuthintela ukujiya) xa uthatha uchacha.

Isishwankathelo sogqithiso nguMedicare

Zeziphi iindleko zokubuyisela umlenze ezigutyungelwa yiMedicare?

Ngokwe-American Association of Hip and Knee Surgeons (AAHKS), iindleko zokutshintshwa kwe-hip kwii-US ukusuka kwi-30,000 ukuya kwi-112,000 zamawaka. Ugqirha wakho uya kuba nakho ukubonelela ngexabiso elamkelweyo le-Medicare kunyango oluthile olifunayo.

Ngaphambi kokuba iMedicare Icandelo A kunye neCandelo B lihlawule nayiphi na inxalenye yelo xabiso, kuya kufuneka ukuba uhlawule iipremiyamu kunye nezinto ezitsaliweyo. Uya kuba ne-coinsurance okanye i-copayments.

• Ngo-2020, ukuxhuzulwa ngonyaka kwi-Medicare Part A yi- $ 1,408 xa ungeniswe esibhedlele. Oko kugubungela iintsuku zokuqala ezingama-60 zononophelo lwasesibhedlele ngexesha lezibonelelo. Phantse iipesenti ezingama-99 zabaxhamli be-Medicare abanayo i-premium yeCandelo A ngokwemihlaba yase-US yeeNkonzo zeMedare kunye neMedicare.
• Ngo-2020, i-premium yenyanga ye-Medicare Part B yi- $ 144.60 kwaye i-deductible yonyaka ye-Medicare Part B yi- $ 198. Nje ukuba ezo ziqendu zihlawulwe, i-Medicare ihlawula iipesenti ezingama-80 zeendleko kwaye uhlawula ama-20 eepesenti.

Ukongezwa okongezelelweyo

Ukuba unokhuselo olongezelelekileyo, njengomgaqo-nkqubo weMedigap (i-Inshurensi yokuXhasa iMedare), kuxhomekeke kwisicwangciso, ezinye iipremiyamu zakho, ezikhutshiweyo kunye neepopay zinokugqunywa. Imigaqo-nkqubo yeMedigap ithengwa ngeenkampani zeinshurensi zabucala ezivunyiweyo zeMedare.

Ukuchonga iindleko zakho

Ukuze ufumanise ukuba uza kuthabatha malini na endaweni yomqolo wakho, thetha nogqirha wakho. Imali ethile oza kuyihlawula inokuxhomekeka kwizinto, ezinje:

• enye inshorensi onokuthi ube nayo, njengomgaqo-nkqubo weMedigap
• isixa esibiza ugqirha wakho
• nokuba ugqirha wakho uyalamkela na isabelo (ixabiso elamkelweyo lonyango)
• uyifumana phi inkqubo, njengesibhedlele esivunyiweyo seMedicare

Malunga notyando lokutshintsha unyonga

Utyando olwenziwa endaweni ye-Hip lusetyenziselwa ukufaka endaweni yamalungu agulayo okanye onakeleyo kwilungu le-hip kunye namalungu amatsha angengawo. Oku kwenzelwa:

• phelisa iintlungu
• buyisela ukusebenza ngokudibeneyo kwe-hip
• ukuphucula ukuhamba, njengokuhamba

Amalungu amatsha, enziwe ngentsimbi engenasici okanye i-titanium, athabatha indawo yomdibaniso wokuqala we-hip. Olu fakelo lokufakelwa lusebenza ngokufanayo kunyonga oluqhelekileyo.

Ngokwama-326,100 e-hip endaweni yabo eyenziwa ngo-2010, iipesenti ezingama-54 zazo zazinabantu abaneminyaka engama-65 nangaphezulu (i-Medicare ifanelekileyo).

Yise kude

I-Medicare yoqobo (Icandelo A kunye neCandelo B) liya kugubungela utyando lotshintsho lwenyonga ukuba luyimfuneko kwezonyango.

Iindleko zakho zokuphuma epokothweni zokutshintsha i-hip ziya kuchaphazeleka kwinani lezinto eziguqukayo, kubandakanya:

• nayiphi na enye i-inshurensi, enje ngeMedigap
• I-Medicare kunye nezinye izinto ezihlawulwa kwi-inshurensi, i-coinsurance, ii-copays kunye neeprimiyamu
• Ugqirha ugqirha
• Ukwamkelwa kukagqirha kwisabelo
• apho inkqubo yenziwa khona

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.

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