Ngaba i-Medicare igubungela uLawulo lwePain?

Umxholo

• Yintoni i-Medicare egubungela ulawulo lweentlungu?
• Icandelo leMedare B
• Icandelo leMedare D
• Ulawulo lweentlungu ngexesha lonyango
• Ulungelelwaniso lokugubungela
• Icandelo leMedicare A iindleko
• Icandelo leMedare C iindleko
• Unyango lwangaphandle
• Ulungelelwaniso lokugubungela
• Amayeza eendleko zeCandelo B
• Amayeza
• Amachiza amiselweyo
• Iziyobisi ezingaphaya kwekhawuntare (OTC)
• Kutheni le nto ndingafuna ulawulo lweentlungu?
• Ezinye iindlela zolawulo lweentlungu
• Ukuthatha

• I-Medicare igubungela iindlela zonyango ezahlukeneyo kunye neenkonzo ezisetyenziselwa ulawulo lweentlungu.
• Amachiza alawula iintlungu agqunywe phantsi kwecandelo le-Medicare Icandelo D.
• Unyango kunye neenkonzo zolawulo lweentlungu zigutyungelwe phantsi kweCandelo leMedicare B.
• Izicwangciso ze-Medicare ze-Advantage zihlala zigubungela ubuncinci amayeza afanayo kunye neenkonzo ezinje ngamacandelo B no-D.

Igama elithi "ulawulo lweentlungu" lunokubandakanya izinto ezininzi ezahlukeneyo. Abanye abantu banokudinga ulawulo lweentlungu zexesha elifutshane emva kotyando okanye ukwenzakala. Abanye banokufuna ukulawula ubuhlungu bexesha elide kwiimeko ezinjenge-arthritis, i-fibromyalgia, okanye ezinye iintlungu zentlungu.

Ulawulo lwezinhlungu lunokubiza kakhulu ukuze uzibuze ukuba ngaba i-Medicare iyayigubungela na. I-Medicare igubungela uninzi lwezonyango kunye neenkonzo oya kuzifuna kulawulo lweentlungu.

Funda ukuze ufunde ukuba ngawaphi amalungu e-Medicare agubungela iindlela zonyango kunye neenkonzo ezahlukeneyo, iindleko onokuzilindela, kunye nokunye okuninzi malunga neentlungu ezinokulawulwa.

Yintoni i-Medicare egubungela ulawulo lweentlungu?

Unyango lubonelela ngonyango oluninzi kunye neenkonzo ezifunekayo ukulawula iintlungu. Nalu ushwankathelo lwamalungu ayigubungelayo kwaye loluphi unyango olufakiwe.

Icandelo leMedare B

Icandelo le-Medicare Icandelo B, i-inshurensi yakho yezonyango, iya kubandakanya ezi nkonzo zilandelayo ezinxulumene nolawulo lweentlungu:

• Ulawulo lwamayeza. Ngaphambi kokuvunywa kunokufuneka ngaphambi kokuba ugcwalise amayeza eentlungu. Unokunikwa ubuninzi obulinganiselweyo.
• Iinkonzo zokuhlanganisa impilo. Ngamanye amaxesha, abantu abaneentlungu ezingapheliyo banokuba neengxaki zoxinzelelo kunye noxinzelelo. I-Medicare igubungela iinkonzo zempilo zokuziphatha ukunceda ukulawula ezi meko.
• Ulungiso lwenyama. Kuzo zombini iingxaki ezibuhlungu kunye nezingapheliyo, unyango lomzimba lunokumiselwa ngugqirha wakho ukukunceda ukulawula intlungu yakho.
• Unyango emsebenzini. Olu hlobo lonyango lukunceda ukuba ubuyele kwimisebenzi yakho yesiqhelo yemihla ngemihla ongenakukwazi ukuyenza ngelixa usentlungwini.
• Ukunyanzeliswa komqolo weChiropractic. Icandelo B ligubungela ukunyanzeliswa kwemigaqo yomqolo xa kuyimfuneko yezokwelapha ukulungisa i-subluxation.
• Ukusetyenziswa gwenxa kotywala ukuvavanywa kunye neengcebiso. Ngamanye amaxesha, iintlungu ezingapheliyo zikhokelela ekusetyenzisweni gwenxa kweziyobisi. I-Medicare igubungela uhlolo kunye neengcebiso malunga noku.

Icandelo leMedare D

Icandelo lonyango i-Medicare Part D (ukumiselwa kweziyobisi) kuya kukunceda uhlawule amayeza kunye neenkqubo zokuzilawula. Iinkqubo zolawulo lwamayeza ziyagutyungelwa kwaye zinokubonelela ngoncedo lokuhamba kwiimfuno zempilo ezinzima. Rhoqo, amayeza eentlungu e-opioid, anje ngehydrocodone (Vicodin), i-oxycodone (i-OxyContin), i-morphine, i-codeine kunye ne-fentanyl, amiselwe ukunceda ukukhulula iimpawu zakho.

Ulawulo lweentlungu ngexesha lonyango

Unokufumana ulawulo lwentlungu ukuba ulaliswa esibhedlele okanye kwindawo yokhathalelo lwexesha elide ngenxa yezi zizathu zilandelayo:

• ingozi yemoto okanye ukonzakala okukhulu
• utyando
• unyango lwesifo esibi (umhlaza, umzekelo)
• ukhathalelo lokuphela kobomi (i-hospice)

Ngelixa ungeniswe esibhedlele, unokufuna iinkonzo ezahlukeneyo okanye unyango ukuze ulawule iintlungu, kubandakanya:

• i-epidural okanye ezinye iinaliti zomqolo
• amayeza (zombini i-narcotic kunye ne-non-narcotic)
• unyango lomsebenzi
• ulungiso lwenyama

Ulungelelwaniso lokugubungela

Ukuze ufanelekele ukukhutshwa, kufuneka ubhalise kwisicwangciso sokuqala se-Medicare okanye kwi-Medicare Part C (i-Medicare Advantage). Ukuhlala kwakho esibhedlele kufuneka kuthathwe njengemfuneko yonyango ngugqirha kwaye isibhedlele kufuneka sithathe inxaxheba kwi-Medicare.

Icandelo leMedicare A iindleko

Icandelo leMedicare A yinshurensi yakho yesibhedlele. Ngelixa ulaliswa esibhedlele, uya kuba noxanduva lwezi ndleko zilandelayo phantsi kweCandelo A:

• $1,408 Ukutsalwa kwithuba ngalinye lesibonelelo ngaphambi kokugubungela ukukhahlela
• $0 uqinisekiso lwemali kwixesha ngalinye lesibonelelo kwiintsuku zokuqala ezingama-60
• $352 Uqinisekiso lwemali ngosuku ngalunye lweentsuku ezingama-61 ukuya kuma-90
• $704 uqinisekiso lwengqekembe nganye "yosuku lokugcina lokugcina" emva komhla wama-90 kwixesha ngalinye lesibonelelo (ukuya kwiintsuku ezingama-60 ebomini bakho)
• Iipesenti ezili-100 zeendleko ngaphaya kweentsuku zakho zokugcina ubomi

Icandelo leMedare C iindleko

Iindleko eziphantsi kwesicwangciso seCandelo leMedicare C ziya kwahluka kwaye ziya kuxhomekeka kwisicwangciso onaso kunye nobungakanani benkxaso oyikhethileyo. Isimbozo onaso phantsi kwesicwangciso seCandelo C kufuneka ubuncinci silingane nesigqubuthelo sokuqala seMedicare.

Unyango lwangaphandle

Ezinye iindlela zolawulo lweentlungu ezingalaliswayo zikwagutyungelwa naphantsi kwecandelo leMedare B. Oku kubandakanya izinto ezinje:

• Ulawulo lwamayeza
• ukusetyenziswa komqolo, ukuba kunyanzelekile
• Inaliti yokunyanga ngaphandle (inaliti ye-steroid, inaliti ye-epidural)
• i-transcutaneous electrical nerve stimulation (TENS) yeentlungu emva kwenkqubo yotyando
• Ukufakwa kwegazi ekubanjweni kwegazi okuzenzekelayo (igazi elinamanzi) entloko emva kwempompo okanye impompo yomqolo

Ulungelelwaniso lokugubungela

Ngaphambi kokuba ezi nkonzo kunye neenkqubo zigutyungelwe, ugqirha obhalise kwi-Medicare kufuneka aqinisekise ukuba ziyimfuneko kwezonyango ukunyanga imeko yakho.

Amayeza eendleko zeCandelo B

Ngaphantsi kweCandelo leMedicare B, unoxanduva lokuhlawula:

• An $198 Ukuxhuzulwa ngonyaka, ekufuneka kuhlangatyezwane nawo qho ngonyaka phambi kokuba kunikezelwe ngeenkonzo eziyimfuneko zonyango
• Intlawulo yakho yanyanga le $144.60 kubantu abaninzi kwi2020

Amayeza

Amachiza amiselweyo

Icandelo lonyango i-Medicare Icandelo D libonelela ngogqirha. Zombini iCandelo D kunye ne-Medicare Part C / Medicare Advantage plans zibandakanya uninzi lwamachiza anokumiselwa ukuba ulawule iintlungu. Ezi zicwangciso zinokubandakanya iinkqubo zonyango lonyango ukuba uneemfuno zokhathalelo lwempilo.

Amayeza aqhelekileyo anokusetyenziswa kulawulo lwentlungu abandakanya, kodwa akakhawulelwanga:

• amayeza entlungu afana nePercocet, Vicodin, okanye i-oxycodone
• gabapentin (iyeza leentlungu)
• i-celecoxib (iyeza elichasayo)

La mayeza ayafumaneka kwiifom zohlobo oluqhelekileyo kunye negama lebrendi. Amayeza agutyungelweyo aya kuxhomekeka kwisicwangciso sakho esithile. Iindleko ziya kwahluka kwisicwangciso sokucwangciswa, njengoko kuya kuba njalo nexabiso lokugubungela amayeza ahlukeneyo. Iindleko ziya kuxhomekeka kwifomula yesicwangciso sakho, esisebenzisa inkqubo yokubeka iziyobisi kwiqela elineendleko eziphezulu, eziphakathi nezisezantsi.

Kubalulekile ukuba uye kumboneleli wezempilo othatha inxaxheba kunye nekhemesti ukuze ufumane imigqaliselo yakho kwiCandelo leMedicare D. Kwisahlulo C, kuya kufuneka usebenzise ababoneleli benethiwekhi ukuqinisekisa izibonelelo ezipheleleyo.

Umboneleli wakho wezempilo kufuneka akunike uluhlu olubanzi lwezinto onokuzenza ukunyanga iintlungu zakho, hayi nje amayeza e-narcotic. Ngokunyuka kwee-opioid overdoses kumaxesha akutshanje, kugxininiswa ngakumbi ekubekweni kokusetyenziswa okukhuselekileyo kwe-narcotic.

Kungakufanelekela ukufumana uluvo lwesibini ukubona ukuba ezinye iindlela ezingezizo zokuthambisa, njengonyango lomzimba, zinokukunceda kwimeko yakho.

Iziyobisi ezingaphaya kwekhawuntare (OTC)

Amayeza e-OTC anokusetyenziselwa ulawulo lweentlungu kubandakanya:

• acetaminophen
• ibuprofen
• iqeqsha
• ii-lidocaine patches okanye amanye amayeza

Icandelo le-Medicare Icandelo D aliquki amayeza e-OTC, kuphela amayeza amiselweyo. Ezinye izicwangciso zeCandelo C zingabandakanya isibonelelo sala mayeza. Jonga ngesicwangciso sakho malunga nokugubungela kwaye ugcine oku engqondweni xa uthenga isicwangciso seMedicare.

Kutheni le nto ndingafuna ulawulo lweentlungu?

Ulawulo lweentlungu lubandakanya unyango, unyango kunye neenkonzo ezisetyenziselwa ukunyanga iintlungu ezibandayo kunye nezingapheliyo. Intlungu ebuhlungu inxulunyaniswa nesifo esitsha okanye ukwenzakala. Imizekelo yeentlungu ezibuhlungu zibandakanya:

• iintlungu emva kotyando
• iintlungu emva kwengozi yemoto
• ithambo elaphukileyo okanye iqatha
• Intlungu yokuqhekeka

Imizekelo yeemeko ezingapheliyo zibandakanya:

• umhlaza iintlungu
• ifibromyalgia
• isifo samathambo
• iidiski ze-herniated kumqolo wakho
• iintlungu ezingapheliyo

Ezinye iindlela zolawulo lweentlungu

Ukongeza kumayeza entlungu kunye nonyango lomzimba, zikho ezinye iindlela zokulawula iintlungu ezingapheliyo. Abantu abaninzi bafumana isiqabu ngezi ndlela zonyango zilandelayo:

• i-acupuncture, eneneni ngoku egutyungelweyo phantsi kwe-Medicare yabantu abanemicimbi yokuqaqanjelwa ziintlungu ezisezantsi
• I-CBD okanye ezinye iioyile ezifanelekileyo
• ingqele okanye unyango lobushushu

Uninzi lwezi alugutyungelwanga yiMedare kodwa jonga kwisicwangciso sakho ukuze ubone ukuba ngaba unyango lutyhubile na.

Ukuthatha

• Unyango lonyango kunye neenkonzo ngokubanzi zigutyungelwa zizicwangciso ezininzi zeMedare ukuba ziqinisekisiwe njengezonyango eziyimfuneko ngumboneleli wezempilo.
• I-Medicare ye-Advantage coverage ingahluka ukusuka kwisicwangciso sokucwangcisa, ke qiniseka ukuba ujonge umboneleli wakho weinshurensi malunga noko kugutyungelwe phantsi kwesicwangciso sakho.
• Zininzi ezinye iindlela onokukhetha kuzo zokulawula iintlungu ngaphandle kwamayeza eentlungu.

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.