Nkag siab Cov Pauv Hloov Hauv Paus: Dab Tsi Muaj Nuj Nqis?

Zoo Siab

• Vim li cas cov nqi sib txawv
• Dab tsi pab txhawb tus nqi?
• Ntau tus nqi
• Cov nqi nruab nrab
• Tus nqi pw
• Kev Txo Nyiaj
• Medicare
• Kev tuav pov hwm ntiag tug
• Nug koj tus kws kho mob
• Them nqi kho mob sab nrauv
• Nkag siab koj daim nqi
• Presurgical npaj
• Tsev kho mob nyob thiab phais mob
• Postsurgical kho mob
• Totals
• Cov nqi ntxiv
• Khoom Siv
• Cov kev pab tu hauv tsev
• Kev hloov kho hauv tsev
• Kev xaiv txuag tau nyiaj
• Cov nqi no los qhov twg los?

Tus nqi yog qhov tseem ceeb rau kev txiav txim siab thaum koj xav txog kev phais mob tag nrho hauv caug. Rau ntau tus neeg, lawv cov nyiaj pov hwm yuav them rau tus nqi, tab sis tej zaum yuav muaj cov nqi ntxiv.

Ntawm no, koj tuaj yeem paub ntau ntxiv txog tus nqi ntawm kev hloov lub hauv caug phais.

Vim li cas cov nqi sib txawv

Tus nqi ntawm kev hloov lub hauv caug tuaj yeem sib txawv, nyob ntawm qhov chaw koj nyob, qhov chaw kho mob twg koj siv, koj qhov kev noj qab haus huv tag nrho, thiab lwm yam.

Dab tsi pab txhawb tus nqi?

Daim nqi tsev kho mob kawg yuav tso raws ntau yam, nrog rau:

• Cov hnub koj tau siv nyob hauv tsev khomob. Qhov no yuav yog nyob ntawm seb koj lub hauv caug hloov yog tag nrho, ib nrab, lossis ob sab ntug.
• Hom kev cog hniav thiab phais mob. Qhov no suav nrog cov khoom siv cog hniav yog tsim thiab kev siv ntawm cov khoom siv phais tshwj xeeb lossis siv tshuab tshwj xeeb hauv tshuab hlwb hlau.
• Preexisting cov neeg mob. Tej zaum koj yuav xav tau kev kho mob ntxiv hauv tsev kho mob lossis kev ceev faj ntxiv thaum phais mob.
• Siv sijhawm hauv chav ua haujlwm. Yog tias qhov kev puas tsuaj yog qhov nyuaj, nws tuaj yeem siv sijhawm ntev dua los ua haujlwm, thiab qhov no yuav raug nqi ntau dua.
• Kev saib xyuas lossis khoom siv tsis zoo. Yog tias muaj teeb meem tshwm sim, koj yuav xav tau kev kho mob ntxiv.

Ntau tus nqi

Feem ntau yuav muaj ntau yam nqi tom qab kev phais mob lub hauv caug, nrog rau cov rau:

• tsev kho mob
• txhua yam kev kho mob los ntawm tus kws phais mob thaum nyob hauv tsev khomob
• lwm cov dej num thiab cov txheej txheem ua los ntawm cov neeg ua haujlwm chav ua haujlwm

Lwm yam haujlwm thiab cov nqi suav nrog kev ua haujlwm los ntawm tus neeg saib xyuas mob hlwb, tus pabcuam kev phais mob, tus kws kho lub cev, thiab lwm yam.

Cov nqi nruab nrab

Raws li tsab xov xwm 2013 hauv AARP, U.S.cov tsev kho mob tsub nqi $ 50,000, ntawm qhov nruab nrab, rau tag nrho lub hauv caug hloov (TKR). Ib feem ntawm lub hauv caug hloov (PKR) feem ntau raug nqi li 10 txog 20 feem pua ​​tsawg dua li TKR. Koj cov ntawv them nqi kho mob thiab Medicare yuav them rau feem ntau tus nqi, tab sis tseem yuav them nyiaj tuaj.

Tsis ntev los no, Blue Cross cov ntaub thaiv npog kwv yees kwv yees xyoo 2019 tias tus nqi nruab nrab ntawm kev kho mob lub hauv caug hloov yog $ 30,249, piv nrog $ 19,002 ua tus neeg mob sab nrauv.

Lub hauv paus ntsiab lus yog PKR xav tau lub tsev kho mob luv: qhov nruab nrab ntawm 2.3 hnub, piv nrog 3.4 hnub rau TKR.

Nco ntsoov tias tsev kho mob tsub nqi tsis them tus nqi koj them hauv hnab tshos. Koj tuaj yeem kawm paub ntau ntxiv txog cov nyiaj hauv hnab tshos hauv qab no.

Tus nqi pw

Kev mus pw hauv tsev khomob yog cov uas tshwm sim thaum koj nyob hauv tsev khomob.

Kev tsub nqi los ntawm tus kws phais neeg thiab lwm tus kws kho mob yuav ntxiv qhov nqi nruab nrab ntawm $ 7,500 rau kev kho mob hauv tsev kho mob rau cov txheej txheem, tab sis qhov no yuav nyob ntawm chaw kuaj mob thiab lwm yam.

Kev Txo Nyiaj

Qee lub tsev kho mob yuav muab nyiaj cheb yog tias koj tsis muaj ntawv them nqi kho mob lossis tsis muaj ntawv pov hwm los ntawm Medicare. Nug txog ib qho kev txo nqi lossis them nqi ua ntej npaj kho koj txoj kev phais mob yog tias koj tsis muaj kev tuav pov hwm. Koj yuav tsum sim kwv yees koj cov nqi ua ntej seb koj puas muaj nyiaj tuav pov hwm.

Medicare

Thaum koj mus txog qhov koj them tsis taus, Medicare feem ntau them 100 feem pua ​​ntawm cov neeg mob ntsig txog cov txheej txheem thiab tsev kho mob nyob. Cov kev fajseeb khomob ntiag tug npaj uantej sib tham nrog cov tsev khomob thiab cov kws khomob. Lawv feem ntau tsuas them ib feem pua ​​ntawm tag nrho cov nqi.

Kev tuav pov hwm ntiag tug

Kev tuav pov hwm ntiag tug nws txawv, thiab nws yog ib qho tseem ceeb los xyuas koj cov phiaj xwm nyiaj pab ua ntej ua ntej hloov lub hauv caug.

Tshawb xyuas cov ntsiab lus hauv qab no ua ntej ua rau koj qhov kev txiav txim siab:

• koj them tsawg
• cov chaw muab kev pab twg nyob hauv koj pab kas phais
• qhov kev pab twg yog kev pov hwm koj them

Nug koj tus kws kho mob

Ua ntej npaj kev phais mob, tham nrog koj tus kws kho mob, tus sawv cev hauv tsev kho mob, thiab koj tus neeg muab kev pov hwm kom paub seb cov nqi nruab nrab rau koj thaj chaw thiab dab tsi yuav txo nqi.

Them nqi kho mob sab nrauv

Cov txheej txheem pw tsaug zog thiab nqi tsev kho mob yuav yog koj qhov kev siv nyiaj loj tshaj plaws.

Tab sis koj yuav tsum tau them nyiaj rau cov kev pab sab nraud ua ntej thiab tom qab koj cov txheej txheem. Kev mus cuag kws kho mob yog hais txog cov kev pab uas tshwm sim thaum koj tsis nyob hauv tsev kho mob.

Cov nqi them ntxiv suav nrog:

• them ua ntej thiab tom qab tau nqi los ntawm chaw ua hauj lwm mus ntsib thiab chaw kuaj
• kev pab kho lub cev
• rov qab mus ntsib koj tus kws phais mob thaum koj rov zoo

Medicare ib txwm them 80 feem pua ​​ntawm cov nqi pabcuam sab nrauv rau nws cov tswv cuab. Daim phiaj tuav pov hwm ntiag tug sib txawv.

Koj yuav tsum xav tias yuav txiav tawm thiab them feem them rau tus neeg sab nrauv lossis chaw ua haujlwm tsub nqi ua ntej thiab tom qab phais koj tus mob.

Nkag siab koj daim nqi

Cov nqi yuav sib txawv, tab sis ntawm no yog qhov koj feem ntau tuaj yeem xav tau yog tias koj muaj lub hauv caug hloov:

Presurgical npaj

Cov theem tshuaj ntsuam presurgical muaj kev sib tham lossis mus ntsib hauv chaw ua haujlwm, kev kos duab, thiab kev ua haujlwm hauv chaw kuaj. Kev ua haujlwm hauv lab feem ntau suav nrog kev ua haujlwm ntshav, kab lis kev cai, thiab kev ntsuas vaj huam sib luag.

Tus naj npawb ntawm cov kev pabcuam xav tau thiab tag nrho tus nqi sib txawv raws kev pov hwm kev tiv thaiv thiab pab pawg hnub nyoog.

Piv txwv li, ib tug neeg uas muaj hnub nyoog 65 xyoos, feem ntau them rau Medicare, feem ntau xav tau kev ua haujlwm lab ntau dua li ib tus neeg muaj hnub nyoog 65 xyoos. Qhov no vim tias cov neeg laus zog yuav muaj lub sijhawm preexisting uas yuav tsum nkag siab zoo thaum lub sijhawm tshuaj ntsuam tsis tau zoo.

Tsev kho mob nyob thiab phais mob

Koj yuav tau txais cov nqi sib txawv rau TKR. Raws li tau tham txog sab saud, tsev kho mob yuav xa nqi rau koj nyob, sijhawm nyob hauv chav ua haujlwm, thiab lwm yam kev pabcuam hauv tsev kho mob, khoom siv, thiab khoom siv.

Cov kws kho mob yuav xa nqi rau koj them cov nqi khomob uas pab them los ntawm tus kws phais mob, thiab:

• Tshuaj loog
• kev txhaj tshuaj
• cov kev pab cuam pathology
• kev pab phais mob, piv txwv li kev ua haujlwm siv computer lossis lwm yam thev naus laus zis
• kev pab kho lub cev
• kev saib xyuas ntawm kev saib xyuas

Nco ntsoov tias muaj ntau lwm yam cuam tshuam rau cov nqi thiab cov nqi ntsig txog ib tus txheej txheem.

Teeb meem yuav cuam tshuam rau leej twg, tab sis cov neeg uas muaj lub sijhawm preexisting yuav ua rau muaj kev phom sij ntau. Yog tias muaj teeb meem tshwm sim, koj yuav xav tau kev saib xyuas ntxiv, thiab qhov no yuav ntxiv rau koj daim nqi.

Ntshav qab zib, rog thiab ntshav khov yog txhua yam ua piv txwv ntawm kev ua haujlwm preexisting.

Postsurgical kho mob

Kev muab rov qab thiab kho kom zoo nkauj suav nrog:

• Pab kho sab nrauv rau lub cev
• cov twj siv thiab kev kho mob tus kws kho mob siv lub cev
• kev soj ntsuam sab nraud

Totals

Qhov kev siv nyiaj ntawm hnab tshos nyiaj hauv Tebchaws Meskas yog dav heev. Nws yuav yog nyob ntawm koj daim phiaj tuav pov hwm.

Rau cov neeg mob Medicare, tus nqi them tawm ntawm hnab tshos tej zaum yuav yog ntau pua lab nyiaj. Cov uas muaj kev tuav pov hwm ntiag tug tuaj yeem cia siab cov nqi no mus txog ntau txhiab tus.

Tshawb xyuas koj txoj kev npaj ua tib zoo yog tias koj muaj kev tuav pov hwm ntiag tug. Nco ntsoov txog yam rau koj qhov txiav tawm tsis tau them, them nyiaj ntxiv, nyiaj npib thiab tus nqi tshaj plaws ntawm hnab tshos.

Cov nqi ntxiv

Tus nqi ntawm kev saib xyuas thiab pabcuam yog ib feem ntawm tag nrho cov nuj nqis xwb.

Khoom Siv

Tej zaum yuav muaj kev them nyiaj ntxiv rau cov khoom siv tshwj xeeb, hu ua cov cuab yeej siv kho mob kom ruaj, xws li kev siv lub tshuab txuas mus tas li, siv lub cev mus kev, lossis cov pas txheem.

Cov kev pab tu hauv tsev

Cov kev npaj pab kas phais feem ntau thiab Medicare them rau cov khoom siv no. Txawm li cas los xij, tej zaum lawv yuav tshwm sim los ua cov nqi khomob hauv tsev khomob lossis lwm daim nqi ntxiv.

Koj kuj tseem xav tau kev kho mob ntxiv rau lub cev lossis tus tu neeg mob hauv koj lub tsev.

Cia siab tias koj yuav them tawm hauv koj lub hnab nyiaj yog tias koj qhov kev pov hwm tsis them rau cov kev pabcuam tu neeg hauv tsev.

Nws yuav muaj ib qho nqi ntxiv yog tias koj tsis tuaj yeem rov qab mus tsev tam sim ntawd thiab xav siv sijhawm nyob hauv tsev kho mob lossis tsev laus kom tau txais kev saib xyuas ntxiv.

Kev hloov kho hauv tsev

Koj yuav tsum tau teeb tsa cov khoom siv kev nyab xeeb hauv koj lub tsev, xws li:

• qhov thaiv kev nyab xeeb thiab ntsia
• da dej raug tshem tawm
• lub rooj zaum tso riser nrog caj npab

Nco ntsoov ua rau hauv cov nyiaj poob lawm yog tias koj siv sijhawm so haujlwm los ntawm kev phais mob lossis thaum rov zoo li qub. Tham nrog koj tus tswv ntiav haujlwm thiab cov chaw muab kev pov hwm kom paub seb koj puas tsim nyog rau ib qho kev tuav pov hwm txhua tus uas xiam oob khab uas siv sijhawm ua haujlwm.

Kev tuav pov hwm kev xiam oob qhab yog hom kev pov hwm uas them nyiaj ib nrab rau cov neeg ua haujlwm tsis tuaj yeem ua haujlwm vim raug mob lossis xiam oob qhab. Nws tuaj yeem suav sijhawm sijhawm uas koj xav tau kev phais mob xws li TKRs.

Kawm paub ntxiv txog kev yuav npaj koj lub tsev zoo li cas.

Kev xaiv txuag tau nyiaj

Qee tus neeg xaiv rau kev phais mob tawm txawv teb chaws. Tus nqi yuav qis dua nyob hauv cov tebchaws zoo li Mexico, Is Nrias teb, lossis Taiwan. Txawm li cas los xij, koj yuav siv ntau txhiab las rau daim pib dav hlau, tsev so, thiab lwm yam kev siv nyiaj.

Yog tias koj tab tom txiav txim siab taug txoj hauv kev no, nco ntsoov tias lub chaw ntawd tau txais kev lees paub thoob ntiaj teb los ntawm Joint Commission International ua ntej pom zoo rau txoj kev ua.

Yog tias nws ua tiav, qhov no txhais tau hais tias cov kws phais neeg tau txais kev pom zoo thiab tias cov chaw thiab cov prostheses ua tau raws cov qauv siab tshaj plaws.

Los ntawm paub txog tus nqi nce toj, koj tuaj yeem zam qhov tsis xav tsis thoob - thiab tej zaum muaj kev nyuaj siab - nqes txoj kab.

Cov nqi no los qhov twg los?

Tus nqi rau kev hloov lub hauv caug tag nrho muaj ob qho ua ntej thiab tom qab kev phais, nrog rau tus nqi ntawm kev phais nws tus kheej, nrog rau nqi xws li:

• tus kws kho mob tuaj kuaj mob thiab kuaj ua haujlwm
• qhov phais thiab lub sijhawm koj nyob hauv chav ua haujlwm, suav nrog kev them nqi tshuaj loog thiab lwm yam khoom siv
• koj lub tsev kho mob nyob
• mus ntsib kws kho mob
• kev pab kho lub cev