Kodi Medicare imaphimba kuwombera chimfine?

Kampani

Kuwombera chimfine ndikofunikira kuti muteteze thanzi lanu m'miyezi yakugwa ndi yozizira.

Nthawi ya chimfine imayamba kuyambira Novembala ndipo imatha kupitilira Epulo. Milandu yochuluka kwambiri imachitika pakati pa Disembala ndi February. Nthawi ya chimfine cha 2018-2019 inali yachilendo chifukwa idatha mpaka Meyi. Fuluwenza, yotchedwa chimfine, imayambitsa malungo, chifuwa, zilonda zapakhosi, mutu, kutopa, ndi kupweteka kwa thupi.

Kwa iwo omwe ali ndi zaka zopitilira 65, chimfine ndi chowopsa ndipo chitha kupha moyo. Anthuwa ali pachiwopsezo chachikulu chotenga zovuta kuchokera ku chimfine, malinga ndi Centers for Disease Control and Prevention ( CDC ), zomwe zimatha kubweretsa kuzipatala komanso kufa. Munthawi ya chimfine cha 2018-19, anthu 42.9 miliyoni adadwala; 647,000 anagonekedwa m'chipatala; ndipo 61,200 anafa. Makumi asanu ndi anayi mphambu makumi asanu ndi anayi azachipatala onse ochokera ku chimfine adachitika mwa anthu azaka zopitilira 65, malinga ndi a kafukufuku wothandizidwa ndi CDC ndikusindikizidwa mu 2019 .

Kutenga chimfine chaka chilichonse ndiyo njira yokhayo yothetsera chimfine cha nyengo ndi zovuta zake, malinga ndi CDC . Anthu ena omwe amadwala chimfine amatha kudwalabe; Komabe, a kafukufuku wofalitsidwa mu 2018 adapeza kuti anthu omwe adadwala chimfine atalandira katemerayu anali ndi zizindikiritso zochepa komanso kuchepa kwachipatala.

Kwa iwo omwe ali ndi zaka zopitilira 65, omwe ali ndi matenda akulu, monga matenda ashuga kapena mphumu, ali ndi chitetezo chamthupi chofooka, mwachitsanzo, chemotherapy, kapena amakhala m'nyumba yosungira anthu okalamba, madokotala ayenera kudziwitsidwa za zizindikiro za chimfine, monga malungo, kuzizira, mutu ndipo kupweteka kwa thupi, akutero Ishani Ganguli , MD, pulofesa wothandizira zamankhwala ku Harvard Medical School. Ndikofunikanso kupeza chithandizo chamankhwala pazizindikiro zazikulu, monga kutentha thupi kopitilira madigiri 104, kupuma movutikira, komanso kusokonezeka.

ZOKHUDZA: Chimfine kuwombera mavuto ndi zochita

Kodi Medicare imaphimba kuwombera chimfine?

Ngati muli ndi zaka 65 kapena kupitilira apo, mukuyenera kulandira chithandizo cha Medicare, ndipo mwamwayi, Medicare imakhudza ziwombankhanga. Komabe, si pulogalamu iliyonse ya Medicare yomwe imaphatikizapo kwaulere kuwombera chimfine. Medicare Part B ndi C (Medicare Advantage Plans) amalipira mtengo wonse wa chimfine ngati mugwiritsa ntchito mankhwala kapena othandizira azaumoyo omwe amalandila kulipira kwa Medicare. Mukamagwiritsa ntchito wothandizira zaumoyo koyamba, pitani patsogolo kuti muwone ngati avomereza ntchito za Medicare.

Momwe mungapezere chiphaso cha Medicare pamafuluwenza

Pali magawo angapo a Medicare, malinga ndi Malo a Medicare ndi Medicaid Services . Ndikofunika kuti muphunzire zomwe gawo lililonse limafotokoza komanso zomwe zili zopindulitsa kwambiri kwa inu.

Medicare Gawo A limafotokoza za kugona kuchipatala-kuwombera chimfine sikuphatikizidwe

Medicare Part A imakhudzana ndi zipatala, malo osamalira anthu okalamba, malo osamalira odwala komanso chisamaliro chanyumba. Siphimba chimfine.

Ndi zaulere kwa anthu oyenerera azaka 65 kapena kupitilira apo. Nthawi zambiri, ngati inu kapena mnzanu mudalipira misonkho ya Medicare kwa zaka zosachepera 10, gawo ili la Medicare ndi laulere. Mutha kulembetsa izi kuyambira miyezi itatu musanathe zaka 65 zakubadwa. Ngati mwakhala mukulandira zabwino zachitetezo musanakwanitse zaka 65, mumangolembetsa mu Gawo A. Kupanda kutero, muyenera kulembetsa nawo pa intaneti kapena kuofesi yachitetezo cha anthu.

Medicare Part B imafotokoza zodzitetezera, kuphatikiza kuwombera chimfine

Medicare Part B ndi inshuwaransi yanu yazachipatala. Ikufotokoza ntchito zodzitetezera, monga chimfine. Medicare imalipira kuwombera kamodzi pachaka koma itha kubisa mphindi ngati kuli kofunikira kuchipatala. Kuphunzira kwa Medicare kumaphatikizapo kuwombera chimfine komwe kumavomerezedwa ndi United States Food and Drug Administration (FDA) kwa anthu azaka zopitilira 65.

Mtundu wa chimfine kuwombera	Dzina Brand	Mukukonda 65+?	Pezani coupon
Mkulu mlingo quadrivalent	Fluzone	Inde	Pezani coupon
Katemera Wachimfine Wopindulitsa	Fluad	Inde	Pezani coupon
Mlingo woyenera wa kuwombera kotala	Afluria Quadrivalent	Ayi	Pezani coupon
Fluarix Quadrivalent	Ayi	Pezani coupon
FluLaval Quadrivalent	Ayi	Pezani coupon
Fluzone Quadrivalent	Ayi	Pezani coupon
Quadrivalent cell-based fuluwenza kuwombera	Flucelvax Pafupifupi	Ayi	Pezani coupon
Kuphatikizanso kachilombo koyambitsa matenda a fuluwenza	Flublok Quadrivalent	Ayi	Pezani coupon

Medicare siyikuphimba katemera wa chimfine cha m'mphuno, chifukwa a FDA sanawavomereze mgululi.

Medicare Part B imakhudzanso katemera wa matenda a nkhumba a H1N1, katemera wa pneumococcal, ndi kuwombera kwa hepatitis B kwa anthu omwe amawawona kuti ndiwowopsa.

Gawo B limaphatikizaponso kuwombera kwina ngati kuli kogwirizana ndi chithandizo chamankhwala kapena chovulala. Mwachitsanzo, ngati dokotala akuthandizani kuvulala ndi kuwombera kafumbata.

Gawo B ndilosankha, ndipo anthu ena omwe ali ndi inshuwaransi ya owalemba ntchito, kaya kudzera mwa iwo kapena anzawo, atha kusankha kusunga inshuwaransiyo ndikulembetsa Gawo B pambuyo pake. Mutha kulembetsa izi nthawi yoyamba kulembetsa, chimodzimodzi ndi Gawo A. Mutha kulembetsanso kwa miyezi isanu ndi itatu mutasiya kugwira ntchito kapena kutaya inshuwaransi. Ngati mungasankhe kusalembera Gawo B koma mukuyenera kutero, mungafunike kulipira ngongole yolembetsa mochedwa.

Medicare Part C imaphatikizapo Gawo A ndi B-kuwombera chimfine kuphatikiza

Madongosolo a Medicare Part C amapereka magawo onse A ndi A. Ndi maubwino a Part B ophatikizidwa, Medicare Part C imakhudza kuwombera chimfine. Zina mwa mapulani a Gawo C zimaphatikizanso kupezeka kwa mankhwala osokoneza bongo, omwe amapezeka pansi pa Medicare Part D. Mutha kulembetsanso izi munthawi yolembetsa.

Medicare Part D imakhudza mankhwala ndi katemera wina amene mungafune

Medicare Part D ndi njira yokhayo yomwe mungaperekere mankhwala. Ndondomeko zimasiyanasiyana pamakopedwe, ndalama zothandizira, zotchotsera, komanso kuphimba mankhwala. Mapulaniwa amakhudzana ndi katemera wina kupatula chimfine ngati ali oyenera komanso achipatala. Katemera wamba omwe amapezeka pansi pa Gawo D ndi awa:

• Katemera wa ma shingles: Mapulani onse a Part D akuyenera kuphimba katemera wa shingles. Pali mitundu iwiri ya katemera wa shingles wovomerezeka ndi FDA, Zostavax (zoster) ndi Shingrix (zophatikizanso zoster) . Katemera wa Shingrix wakhala akupezeka kuyambira 2017 ndipo ndi katemera wokondedwa wa shingles.
• Katemera wa Tdap wa tetanus, diphtheria, ndi pertussis (wotchedwanso chifuwa chachikulu)
• Katemera wa MMR (chikuku, mumps, rubella)
• Katemera wa BCG wa chifuwa chachikulu
• Katemera wa meningococcal
• Chiwindi A. ndipo chiwindi B Katemera wa anthu omwe amaonedwa kuti ndiwowopsa

ZOKHUDZA: Katemera woganizira mukakwanitsa zaka 50

Ndalama zomwe mumalipira katemera wanu zimasiyana kutengera komwe mumalandira katemera. Onetsetsani kuti mwayang'ana malamulo okhudzana ndi mapulani anu ndikuwona komwe mungapeze katemera wanu pamtengo wotsika kwambiri, atero Gail Trauco, RN, BSN-OCN, loya wodwala komanso woyambitsa Bill Yachipatala 911 . Nthawi zambiri, mudzalipira katemera wanu wocheperako m'masitolo ogwiritsira ntchito intaneti kapena ku ofesi ya dokotala yomwe imagwirizana ndi malo ogulitsa mankhwala kuti mulipire gawo lanu la D gawo la mankhwala ndi jakisoni.

Kuti mulembetse nawo mapulani a Medicare, lankhulani ndi wothandizira inshuwaransi yazaumoyo, funsani kuofesi ya Social Security, kapena pitani ku Medicare.gov. Ngakhale Gawo A ndi laulere kwa iwo omwe ali oyenerera, mudzalipira mwezi uliwonse kwa Gawo B, C, ndi D.

Palinso mapulani a inshuwaransi ya Medicare, yotchedwa Medigap, yomwe amaperekedwa ndi makampani wamba. Zolingazi zimagwira ntchito limodzi ndi Medicare Yanu Yoyambirira (Gawo A ndi B) ndipo zitha kuthandizira kulipira ndalama ndi ndalama. Pali mitundu yambiri yamapulogalamu owonjezera a Medicare kotero ndikofunikira kudziwa kuti ndi iti yomwe ili yabwino kwa inu. Wothandizira inshuwaransi yemwe amagwira ntchito ndi okalamba atha kukupatsirani chidziwitso pamapangidwe osiyanasiyana.

Kodi kulira kwa chimfine kwa achikulire?

Kwa okalamba omwe ali ndi Medicare Part B kapena C, chimfine chimodzi chaka chilichonse ndi chaulere. Okalamba ena, komabe, alibe mapulani a Medicare awa ndipo angafunikire kulipira mthumba chifukwa cha chimfine.

Popanda Medicare, Medicaid, kapena inshuwaransi ina yazaumoyo, mtengo wa Fluad kapena Fluzone High-Dose ukhoza kuyambira $ 139 mpaka $ 160 kutengera mankhwala anu. Ma pharmacies ena amatulutsa chimfine kwa okalamba pafupifupi $ 70. Muthanso kufunsa ndi oyang'anira akulu kapena oyang'anira zaumoyo mdera lanu kuti mudziwe ngati pali malo aliwonse omwe mungapereke kuwombera chimfine kwaulere kwa anthu opanda inshuwaransi.

Mutha kupeza mitengo yotsika mtengo pogwiritsa ntchito makuponi kuchokera ku SingleCare. Sakani Fluad kapena Fluzone High-Dose pa singlecare.com kapena pulogalamu ya SingleCare.