Shin maye gurbin Hip yana rufewa ta hanyar Medicare?

Wadatacce

• Menene Medicare ke rufewa da maye gurbin hip?
• Sashin Kiwon Lafiya A
• Sashin Kiwon Lafiya na B
• Sashin Kiwon Lafiya na D
• Takaitaccen ɗaukar hoto ta hanyar Medicare
• Menene farashin sauyawar hanji wanda Medicare ke rufewa?
• Coveragearin ɗaukar hoto
• Tabbatar da farashin ku
• Game da tiyatar maye gurbin
• Awauki

Asalin Asibiti (Sashi na A da Sashi na B) yawanci zai rufe tiyata ne na maye idan likitanka ya nuna cewa yana da mahimmanci. Wannan baya nufin, duk da haka, cewa Medicare zata biya kashi 100 cikin ɗari na farashin. Madadin haka, za a ƙayyade farashin ku ta hanyar takamaiman shirin ku, kuɗin aikin, da sauran abubuwan.

Karanta don ƙarin koyo game da abin da ake tsammani.

Menene Medicare ke rufewa da maye gurbin hip?

Asalin Asibiti (Medicare Part A da Medicare Sashe na B) na iya taimakawa wajen rufe takamaiman farashin aikin tiyatar maye gurbin ku.

Sashin Kiwon Lafiya A

Dangane da Cibiyar Nazarin Arthritis da Musculoskeletal da cututtukan fata, mutane yawanci suna buƙatar zama a asibiti na kwana 1 zuwa 4 bayan maye gurbin hip. Yayin zamanka a asibitin da aka amince da Medicare, Sashin Kiwon Lafiya na A (inshorar asibiti) zai taimaka wajen biyan:

• daki mai zaman kansa
• abinci
• aikin jinya
• magungunan da ke ɓangare na maganin rashin lafiyar ku

Idan kuna buƙatar ƙwararrun kulawar kulawa ta bin hanyar, Sashe na A yana taimakawa rufe kwanakin 100 na farko na kulawa. Wannan na iya haɗawa da maganin jiki (PT).

Sashin Kiwon Lafiya na B

Idan ana yin maye gurbin ku a wani asibitin tiyata na asibiti, Medicare Part B (inshora na likita) ya kamata ya taimaka wajen biyan kuɗin kulawar ku. Ko aikin tiyata aka yi a asibiti ko asibitin marasa lafiya, Sashin Kiwon Lafiya na B zai taimaka yawanci biya:

• kudaden likita (na farko da na bayan-gwaji, maganin bayan jiki, da sauransu)
• tiyata
• kayan aikin likita masu ɗorewa (kara, mai tafiya, da sauransu)

Sashin Kiwon Lafiya na D

Sashin Kiwon Lafiya na D shine ɗaukar maganin magani wanda za'a saya daga kamfanin inshora mai zaman kansa daban da ainihin Medicare. Sashi na D yawanci yana yin amfani da magungunan bayan aikin da Medicare ba ta rufe su, kamar su magungunan kula da ciwo da masu rage jini (don hana daskarewa) da aka sha yayin murmurewar ku.

Takaitaccen ɗaukar hoto ta hanyar Medicare

Menene farashin sauyawar hanji wanda Medicare ke rufewa?

Dangane da Americanungiyar gewararrun Likitocin Hip da Knee (AAHKS) na Amurka, farashin maye gurbin ƙugu a cikin Amurka ya fara daga $ 30,000 zuwa $ 112,000. Kwararka zai iya samar da farashin da aka yarda da shi don takamaiman magani da kuke buƙata.

Kafin Medicare Sashe na A da Sashi na B su biya kowane ɓangare na wannan farashin, dole ne ku biya kuɗin ku da ragi. Hakanan zaku sami tabbacin kuɗi ko sake biya.

• A cikin 2020, rarar kuɗin shekara na Medicare Part A shine $ 1,408 lokacin da aka shigar da shi asibiti. Wannan ya rufe kwanakin 60 na farko na kulawar asibiti a cikin lokacin fa'ida. Kimanin kashi 99 cikin ɗari na masu cin gajiyar Medicare ba su da daraja ga Sashe na A bisa ga Cibiyoyin Amurka na Medicare & Medicare Services.
• A cikin 2020, farashin kowane wata na Medicare Part B shine $ 144.60 kuma ana cire kuɗin shekara-shekara na Medicare Part B shine $ 198. Da zarar an biya waɗannan farashi da ragi, Medicare yawanci yana biyan kashi 80 cikin ɗari na kuɗin kuma ku biya kashi 20 cikin ɗari.

Coveragearin ɗaukar hoto

Idan kana da ƙarin ɗaukar hoto, kamar manufofin Medigap (Inshorar Inarin Inshora), gwargwadon shirin, ana iya rufe wasu daga cikin kuɗin da kake kashewa, da cire kuɗi, da kuma biyan kuɗi. Ana siyan manufofin Medigap ta hanyar kamfanonin inshora masu zaman kansu wadanda aka yarda da Medicare.

Tabbatar da farashin ku

Don gano yawan kuɗin da kwankwaso zai yi, yi magana da likitanka. Takamaiman adadin da zaku biya na iya dogara da abubuwa, kamar:

• sauran inshorar inshorar da zaku iya samu, kamar manufofin Medigap
• adadin kuɗin da likitan ku ke caji
• ko likitanka ya karɓi aiki (farashin da aka amince da Medicare)
• inda zaku sami aikin, kamar asibitin da aka yarda da Medicare

Game da tiyatar maye gurbin

Ana amfani da tiyatar maye gurbin Hip don maye gurbin cututtukan ko ɓangarorin da suka lalace na haɗin gwiwa tare da sababbin, sassan roba. Ana yin wannan ga:

• taimaka zafi
• dawo da ayyukan haɗin gwiwa na hip
• inganta motsi, kamar tafiya

Sabbin sassa, wadanda galibi aka yi da bakin karfe ko kuma titanium, suna maye gurbin saman haɗin haɗin hip. Wannan abun dasa wucin gadi yana aiki kwatankwacin kwankwason al'ada.

Dangane da sauye-sauyen kwatangwalo na 326,100 da aka gudanar a shekarar 2010, kashi 54 daga cikinsu sun kasance ne ga mutanen da ke da shekaru 65 zuwa sama (Medicare cancanta).

Awauki

Asalin Asibiti (Sashi na A da Sashi na B) yawanci zai rufe tiyatar maye ne idan ya zama dole a likitance.

Kudin kuɗin aljihun ku don maye gurbin ku na hanji zai iya shafar wasu masu canji, gami da:

• duk wani inshora, kamar su Medigap
• Medicare da sauran ragin inshora, tsabar kudi, biyan kudi, da kuma kudaden shiga
• cajin likita
• likita yarda da aiki
• inda ake yin aikin

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.

Karanta wannan labarin a cikin Mutanen Espanya