Ngaba amayeza aya kuyigubungela iMRI yam?

Umxholo

• Kuphantsi kwaziphi iimeko apho i-Medicare iya kugubungela iMRI?
• Ixabisa malini i-MRI ephakathi?
• Zeziphi izicwangciso zeMedicare ezigubungela iMRI?
• Icandelo lezaMayeza A
• Icandelo leMedare B
• Icandelo leMedicare C (Uncedo lweMedicare)
• Icandelo leMedare D
• Unyango lweMedare (iMedigap)
• Yintoni iMRI?
• Ukuthatha

I-MRI yakho UCanzibe ukugqunywa yiMedicare, kodwa kuya kufuneka uhlangane neenqobo ezithile. Ixabiso eliphakathi le-MRI elinye lijikeleze i- $ 1,200. Iindleko zokuphuma epokothweni zeMRI ziya kwahluka ngokokuba unayo iMedical Medicare, isicwangciso seMedicare Advantage, okanye i-inshurensi eyongezelelweyo enje ngeMedigap.

Ukuskena i-MRI sesinye sezixhobo zokuxilonga ezisetyenziswa ngoogqirha ukugqiba ukuba loluphi uhlobo lonyango olifunayo. Ezi skeni zinokufumanisa ukonzakala kunye neemeko zempilo ezinje nge-aneurysm, ukubetha, imigudu eqhekekileyo, nokunye okuninzi.

Eli nqaku liza kuxubusha iindleko ezinxulumene neMRI ukuba unayo i-Medicare, kunye nendlela yokufumana okuninzi kwinkxaso yakho.

Kuphantsi kwaziphi iimeko apho i-Medicare iya kugubungela iMRI?

I-Medicare iya kugubungela i-MRI yakho ukuba nje ezi zinto zilandelayo ziyinyani:

• I-MRI yakho imiselwe okanye iyalelwe ngugqirha owamkela iMedare.
• I-MRI imiselwe njengesixhobo sokuqonda isifo ukumisela unyango kwimeko yezonyango.
• I-MRI yakho yenziwa esibhedlele okanye kwindawo yokucinga eyamkela i-Medicare.

Ngaphantsi kwe-Original Medicare, uya kuba noxanduva lweepesenti ezingama-20 zeendleko ze-MRI, ngaphandle kokuba sele udibene nokutsalwa kwakho.

Ixabisa malini i-MRI ephakathi?

Ngokuka-Medicare.gov, indleko zokuphuma epokothweni kwi-MRI yesigulana esingaphaya kwe- $ 12. Ukuba i-MRI yenzeka ngelixa ukhangelwe esibhedlele, ixabiso eliphakathi li- $ 6.

Ngaphandle kwayo nayiphi na i-inshurensi, iindleko zeMRI zinokuqhuba ngaphezulu kwe- $ 3,000 okanye nangaphezulu. Uphando oluqulunqwe yiKaiser Family Foundation lubonise ukuba ixabiso eliphakathi le-MRI ngaphandle kwe-inshurensi yayingu- $ 1,200, ukusukela ngo-2014.

Ii-MRIs zinokubiza kakhulu kuxhomekeka kwiindleko zokuhlala kwindawo yakho, indawo oyisebenzisayo, kunye nezinto zonyango, ngokungathi idayi ekhethekileyo iyafuneka xa uskene okanye ukuba ufuna okanye uxinzelelo kunyango lweMRI.

Zeziphi izicwangciso zeMedicare ezigubungela iMRI?

Amacandelo ahlukeneyo e-Medicare angadlala indima ekuboneleleni nge-MRI yakho.

Icandelo lezaMayeza A

Icandelo leMedicare A ligubungela inkathalo oyifumana esibhedlele. Ukuba wenza i-MRI ngexesha lokulaliswa esibhedlele, icandelo leMedicare A liya kukugubungela oko.

Icandelo leMedare B

Icandelo lonyango i-Medicare Icandelo B ligubungela iinkonzo zonyango zezigulana ezingalaliswayo kunye nezinto ezifunekayo ukunyanga imeko yezempilo, ngaphandle kwamayeza amiselweyo. Ukuba unayo i-Medicare yoqobo, i-Medicare Icandelo B iya kuba yintoni egubungela iipesenti ezingama-80 ze-MRI yakho, ukuba iyazifezekisa iikhrayitheriya ezidweliswe apha ngasentla.

Icandelo leMedicare C (Uncedo lweMedicare)

Icandelo leMedicare C likwabizwa ngokuba yiMedicare Advantage. Uncedo lweMedicare zizicwangciso zeinshurensi zabucala ezigubungela oko kugutyungelwa yiMedicare kwaye ngamanye amaxesha ngaphezulu.

Ukuba unesicwangciso seMedicare Advantage, kuyakufuneka unxibelelane nomnikezeli wakho weinshurensi ngqo ukuze ufumanise ukuba ingakanani indleko zeMRI oza kuzihlawula.

Icandelo leMedare D

Icandelo leMedicare D ligubungela amayeza amiselweyo. Ukuba ufuna ukuthatha iyeza njengenxalenye ye-MRI yakho, njengeyeza elichasene noxinzelelo lokufumana iMRI evaliweyo, icandelo leMedicare D linokuhlawula loo ndleko.

Unyango lweMedare (iMedigap)

Isongezelelo seMedare, ekwabizwa ngokuba yiMedigap, yi-inshurensi yabucala onokuyithenga ukongeza iMedicare yoqobo. I-Medicare yoqobo igubungela iipesenti ezingama-80 zovavanyo lokuqonda isifo njenge-MRIs, kwaye kulindeleke ukuba uhlawule ezinye iipesenti ezingama-20 zetyala, ngaphandle kokuba sele udibene nokutsalwa kwakho konyaka.

Izicwangciso zeMedigap zinokunciphisa isixa osityala epokothweni ye-MRI, kuxhomekeke kumgaqo-nkqubo othile kunye nokuba loluphi uhlobo lokubonelela olunikezelayo.

Yintoni iMRI?

I-MRI ibhekisa kwisikena semifanekiso yokujonga ngemagneti. Ngokungafani ne-CT scan esebenzisa i-X-ray, ii-MRIs zisebenzisa amaza erediyo kunye nemagnethi ukwenza umfanekiso wamalungu akho angaphakathi kunye namathambo.

Ii-MRIs zisetyenziselwa ukuxilonga kunye nokwenza izicwangciso zonyango ze-aneurysms, ukulimala kwethambo lomqolo, ukonzakala kwengqondo, amathumba, ukubetha kunye nezinye iimeko zentliziyo, isifo sokuqina kwemithambo, isifo se-Alzheimer, usulelo lwethambo, ukonakala kwethishu, ukungahambelani ngokudibeneyo, kunye nezinye iimeko zempilo.

Ukuba ugqirha wakho uthi ufuna i-MRI, mhlawumbi bazama ukuqinisekisa ukuxilongwa okanye bafumane okungakumbi malunga nento ebangela iimpawu zakho.

Kuya kufuneka ukuba ube nelungu elinye lomzimba ovavanyiweyo, elibizwa ngokuba yiMRI. Kuya kufuneka ukuba ube nenxalenye enkulu yenkwenkwe yakho eskeniweyo, ebizwa ngokuba yiMRI evaliweyo.

Zombini ezi nkqubo zibandakanya ukulala cwaka kangangemizuzu engama-45 ngexesha ngelixa umazibuthe wenza indawo ehlawulisiweyo ejikeleze wena kunye namaza kanomathotholo adlulisa ulwazi ukwenza iskeni. Ngokutsho kovavanyo luka-2009 lwezifundo, uluntu lwezonyango luyavuma ukuba ii-MRIs ziinkqubo ezinobungozi obuphantsi.

Itekhnoloji ye-MRI ayigunyaziswanga ukuba ifunde isikeni sakho okanye inike isifo, nangona unokuba nexhala kakhulu kuluvo lwabo. Emva kokuba i-MRI yakho igqityiwe, imifanekiso iya kuthunyelwa kugqirha wakho.

• Malunga neminyaka engama-65 yokuzalwa kwakho:Ixesha lokubhalisa. Ubudala bokufaneleka kweMedare iminyaka engama-65 ubudala. Uneenyanga ezintathu ngaphambi kosuku lwakho lokuzalwa, inyanga yokuzalwa kwakho, kunye neenyanga ezi-3 emva kosuku lwakho lokuzalwa ukuze ubhalisele iMedicare.
• Jan. 1 – Matshi 31:Ixesha lokubhalisa ngokubanzi. Ekuqaleni konyaka, unethuba lokubhalisela i-Medicare okokuqala ukuba awukwenzi oko xa wawuqala uneminyaka engama-65.
• Epreli 1 – Juni 30:Unyango lwe-Medicare Icandelo D. Ukuba ubhalise kwi-Medicare ngexesha lokubhaliswa ngokubanzi, ungongeza isicwangciso sokuyalela amayeza (i-Medicare Icandelo D) ngo-Epreli ukuya kuJuni.
• Oktobha 15 – Dis. 7:Ubhaliso oluvulekileyo. Eli lixesha apho unokucela utshintsho kwisicwangciso sakho se-Medicare Advantage, tshintsha phakathi kwe-Medicare Advantage kunye ne-Original Medicare, okanye utshintshe ukhetho lwe-Medicare Part D.

Ukuthatha

I-Medicare yoqobo iyagubungela iipesenti ezingama-80 zeendleko ze-MRI, okoko nje bobabini ugqirha oyalelayo kunye nendawo apho yenziwa khona yamkela iMedicare.

Olunye ukhetho lweMedicare, olufana nezicwangciso zeMedicare Advantage kunye neMedigap, zinokuzisa iindleko eziphuma epokothweni zeMRI zisezantsi.

Thetha nogqirha wakho ukuba unenkxalabo malunga nokuvavanywa kwe-MRI kuza kubiza malini, kwaye ungathandabuzi ukubuza uqikelelo olusengqiqweni olusekwe kwi-Medicare coverage yakho.

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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