Medicare thiab Mob Quav: Dab Tsi Them Pab Thiab Dab Tsi Tsis?

Zoo Siab

• Puas yog txhua cov nuj nqis osteoarthritis them?
• Medicare puas them nqi kho mob pob qij txha?
• Dab tsi txog kev sib koom ua ke?
• Txuas Ntxiv rau Medicare
• Pib nrog koj tus kws kho mob
• Nqa Nyiaj

Original Medicare (ntu A thiab B) yuav them rau cov kev pabcuam thiab cov khoom siv rau kev kho pob txha caj qaum yog tias koj tus kws kho mob tau txiav txim siab tias nws yog qhov mob uas yuav tsum tau kho.

Osteoarthritis yog hom mob caj dab feem ntau. Nws pom qhov txawv txav ntawm cov pob txha mos uas cov pob qij txha pob qij txha. Xws li cov pob txha mos, nws tuaj yeem ua rau pob txha-ntawm pob txha sib txuas. Qhov no tuaj yeem ua rau mob, txhav tawv nqaij thiab o.

Nyeem rau kom paub txog cov kev pab them nqi rau pob txha caj qaum thiab lwm yam mob caj dab.

Puas yog txhua cov nuj nqis osteoarthritis them?

Cov lus teb yooj yim yog: tsis yog. Muaj cov nqi yuav yog koj lub luag haujlwm.

Yog tias koj muaj Medicare Tshooj B (ntawv faj seeb kho mob), feem ntau koj yuav them qhov nqi them txhua hli. Hauv 2021, rau cov neeg feem coob uas tau nyiaj yog $ 148.50. Hauv 2021, koj kuj tseem yuav them $ 203 rau qhov them Txhua Xyoo B uas yus them yus. Tom qab qhov yus them yus, koj feem ntau them 20 feem pua ​​them tus nqi nrog Medicare uas pom zoo rau:

• feem ntau cov kev pab kho mob (suav nrog tsev kho mob ib ce)
• Kev kho sab nraud
• cov cuab yeej siv kho mob, xws li lub taub hau lossis lub rooj zaum muaj log

Medicare yuav tsis them rau cov tshuaj yuav tom khw (OTC) uas koj tus kws kho mob yuav qhia kom tswj cov tsos mob ua pob txha caj dab, xws li:

• tshuaj acetaminophen (Tylenol)
• OTC NSAIDs (Cov tshuaj tiv thaiv tsis muaj zog) xws li naproxen sodium (Aleve) thiab ibuprofen (Motrin)

Medicare puas them nqi kho mob pob qij txha?

Mob caj dab mob ntsws (RA) yog ib yam kab mob autoimmune uas ua rau mob o (mob). Nws feem ntau tawm tsam cov pob qij txha, feem ntau ntau sib koom ua ke tib lub sijhawm.

Thawj qhov Medicare (ntu A thiab B) tej zaum yuav them rau kev kho mob RA yog qhov kev pab saib xyuas mob nkeeg ntev. Cov kev pab tswj xyuas mob mus ntev yuav tsum kom koj muaj ob lossis ntau qhov mob nyhav uas koj tus kws kho mob xav tias yuav kav ntev li ib xyoos, xws li:

• mob caj dab
• kab mob plawv
• mob ntshav qab zib
• hawb pob
• ntshav siab

Ib yam li lwm yam kev kho mob, cia siab tias yuav siv nyiaj hauv hnab tshos, xws li Tshooj B cov nqi them thiab cov nqi them.

Dab tsi txog kev sib koom ua ke?

Yog tias koj qhov mob caj dab tau nce mus txog ntua thaum koj tus kws kho mob xav tias kev sib koom tes sib hloov phais yog qhov yuav tsum tau kho, Medicare seem A thiab B yuav them ntau tus nqi, suav nrog qee cov nqi ntawm koj rov qab los.

Zoo ib yam li lwm yam kev kho mob, koj yuav tau siv nyiaj hauv hnab tshos, xws li Feem B them nyiaj thiab cov nqi them.

Txuas Ntxiv rau Medicare

Koj tuaj yeem yuav cov kev pov hwm los ntawm cov tuam txhab ntiag tug uas yuav them qee yam, thiab tej zaum tag nrho, ntawm cov nuj nqis ntxiv tsis them los ntawm Medicare thawj, xws li:

• Medigap. Medigap yog kev tuav pov hwm ntxiv uas tuaj yeem pab them cov nqi them, cov nyiaj npib suav, thiab cov nqi txiav tawm.
• Medicare Tshooj C (Medicare Advantage). Cov phiaj xwm Medicare Advantage zoo ib yam li PPO lossis HMO uas muab rau koj cov tshooj A thiab B ntxiv rau lwm cov txiaj ntsig. Feem ntau suav nrog Medicare Part D thiab ntau tus muaj kev pab ntxiv xws li kho hniav, kho qhov muag, hnov ​​lus, thiab kev nyab xeeb. Koj tsis tuaj yeem muaj ob qho Medigap thiab Ntu C, koj yuav tsum xaiv ib lossis lwm yam.
• Medicare Tshooj D. Daim Ntawv Qhia Txog Medicare Part D yuav tshuaj yuav duav txhua feem lossis ntawm tus nqi ntawm cov tshuaj khomob tshwj xeeb. Tsis yog txhua yam tshuaj tau them, yog li nws yog lub tswv yim zoo kom paub meej txog kev duav tau thiab nug txog lwm cov tshuaj kho mob, xws li cov qauv siv tshuaj, kom pab zam cov nqi tsis vam.

Pib nrog koj tus kws kho mob

Thawj kauj ruam yog kom ntseeg tau tias koj tus kws kho mob kam txais Medicare lossis, yog tias koj tau yuav Medicare Tshooj C, tias koj tus kws kho mob nyob hauv koj daim phiaj.

Tham txog cov kev tshwj xeeb ntawm txhua qhov kev kho mob kom zoo nrog koj tus kws kho mob txhawm rau saib seb nws tau them los ntawm koj li kev tuav pov hwm Medicare lossis yog tias muaj lwm txoj hauv kev koj yuav xav xav txog.

Kev kho mob yuav suav qee lossis tag nrho cov hauv qab no:

• cov tshuaj (OTC thiab cov tshuaj yuav)
• kev phais mob
• kev kho (lub cev thiab hauj lwm)
• cov khoom siv (pas nrig, tus yamntxwv)

Nqa Nyiaj

• Original Medicare yuav them rau cov kev pabcuam uas tsim nyog thiab cov khoom siv rau kev kho mob caj dab, suav nrog kev phais mob sib koom tes.
• Feem ntau cov nyiaj hauv hnab tshos tawm tsis them los ntawm Medicare thawj. Nyob ntawm koj cov kev xav tau tshwj xeeb, nws tsim nyog los tshawb xyuas cov kev xaiv mus nrog koj li kev pab them nyiaj Medicare, xws li:
  • Medigap (Ntawv Pov Hwm Ntxiv Medicare)
  • Medicare Tshooj C (Medicare Advantage)
  • Tshooj Medicare D (kev pab them tshuaj yuav tshuaj)

Kab lus no tau raug hloov kho thaum Lub Kaum Ib Hlis 20, 2020, kom pom zoo 2021 Cov ntaub ntawv Medicare.

Cov ntaub ntawv ntawm lub vev xaib no tuaj yeem pab koj txiav txim siab tus kheej txog kev tuav pov hwm, tab sis nws tsis yog yuav pab tswv yim txog kev yuav khoom lossis kev siv cov khoom pov hwm lossis kev tuav pov hwm. Healthline Media yuav tsis hloov lag luam ntawm kev tuav pov hwm tsis hais yam twg thiab tsis tau ntawv tso cai raws li cov tuam txhab pov hwm lossis cov neeg tsim khoom hauv ib cheeb tsam ntawm Teb Chaws Asmeskas. Healthline Media tsis tau qhia lossis pom zoo rau ib tog neeg thib peb uas ua lag luam ntawm kev tuav pov hwm.