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Ingabe i-Medicare ikhava isibhamu somkhuhlane?

Ingabe i-Medicare ikhava isibhamu somkhuhlane?Inkampani

Ukudubula komkhuhlane kubalulekile ukuvikela impilo yakho phakathi nezinyanga zekwindla nasebusika.





Inkathi yomkhuhlane imvamisa iqala ngoNovemba futhi igcina ngo-Ephreli. Inani eliphezulu kakhulu lamacala livame ukwenzeka phakathi kukaDisemba noFebhuwari. Isizini yomkhuhlane ka-2018-2019 ibingajwayelekile ngoba yagcina ngoMeyi. Umkhuhlane, obizwa ngokwethukela ngokuthi umkhuhlane, ubanga umkhuhlane, ukukhwehlela, umphimbo obuhlungu, ikhanda elibuhlungu, ukukhathala nobuhlungu bomzimba.



Kulabo abangaphezu kweminyaka engama-65, umkhuhlane uyingozi futhi usongela impilo. Lesi sibalo sinengozi enkulu kakhulu yokuthola izinkinga ezivela kumkhuhlane, ngokusho kweCenters for Disease Control and Prevention ( i-CDC ), okungaholela ekubhedlela nasekubulaweni. Ngesikhathi somkhuhlane we-2018-19, abantu abayizigidi ezingama-42.9 bagula; Abangu-647 000 balaliswa esibhedlela; kwathi abangu-61 200 bafa. Amaphesenti angama-90 azo zonke izibhedlela ezivela kulo mkhuhlane enzeka kubantu abaneminyaka engaphezu kwengama-65 ubudala, ngokusho kuka- isifundo esabhalwa ngokuhlanganyela yiCDC futhi sanyatheliswa ngo-2019 .

Ukuthola umkhuhlane waminyaka yonke kuyindlela eyodwa yokuvikela umkhuhlane wonyaka kanye nezinkinga zawo, ngokusho kwe- i-CDC . Abanye abantu abathola umkhuhlane kungenzeka baqhubeke nokugula; noma kunjalo, a Ucwaningo olushicilelwe ku-2018 bathole ukuthi abantu abathola lo mkhuhlane ngemuva kokuthola umuthi wokugoma banezimpawu ezinzima nokwehla kwengozi yokulaliswa esibhedlela.

Kulabo asebekhulile kuneminyaka engama-65, labo abanezimo ezinkulu zokwelashwa, njengesifo sikashukela noma i-asthma, banamasosha omzimba abuthakathaka, ngokwesibonelo aphuma ekhemotherapy, noma ahlala ekhaya labahlengikazi, odokotela kufanele baziswe ngezimpawu zomkhuhlane, ezinjengomkhuhlane, ukugodola, ukuphathwa yikhanda nomzimba ubuhlungu, kusho Ishani Ganguli , MD, uprofesa osizayo wezokwelapha eHarvard Medical School. Kubalulekile futhi ukufuna usizo lwezokwelapha ukuthola izimpawu ezinqala, njengomkhuhlane ongaphezu kwama-degree ayi-104, ukuphefumula kanzima, nokudideka.



OKUSHIWO: Umkhuhlane udubule imiphumela emibi kanye nokusabela

Ingabe i-Medicare ikhava isibhamu somkhuhlane?

Uma uneminyaka engama-65 noma ngaphezulu, ufanelekile ukumbozwa yi-Medicare, futhi ngenhlanhla, i-Medicare ifaka isibhamu somkhuhlane. Noma kunjalo, hhayi lonke uhlelo lweMedicare olufaka mahhala ukudutshulwa komkhuhlane. I-Medicare Part B ne-C (Medicare Advantage Plans) ihlanganisa izindleko ezigcwele zomkhuhlane uma usebenzisa ikhemisi noma umhlinzeki wezokunakekelwa kwempilo owamukela izinkokhelo zeMedare. Uma usebenzisa umhlinzeki wezokunakekelwa kwezempilo okokuqala ngqa, shayela phambili ukuze uqinisekise ukuthi bayazamukela izabelo zeMedicare.

Ungakuthola kanjani ukufakwa kwe-Medicare ngama-flu shots

Kunezingxenye eziningana zeMedicare, ngokusho kwe- Izikhungo zeMedicare kanye neMedicaid Services . Kungcono ukufunda ukuthi ingxenye ngayinye ihlanganisani nokuthi yini ekuzuzisa kakhulu.



I-Medicare Part A ihlanganisa ukuhlala esibhedlela — umkhuhlane awufakiwe

I-Medicare Part A ihlanganisa ukulaliswa esibhedlela, izindawo zabahlengikazi abanamakhono, i-hospice nokunakekelwa kwempilo ekhaya. Akuhlanganisi umkhuhlane.

Kumahhala kubantu abafanelekayo abaneminyaka engama-65 noma ngaphezulu. Ngokuvamile, uma wena noma oshade naye ukhokha intela yeMedare okungenani iminyaka eyishumi, le ngxenye yeMedicare imahhala. Ungabhalisela lokhu ukuqala ezinyangeni ezintathu ngaphambi kosuku lwakho lokuzalwa lwama-65. Uma ubulokhu uthola izinzuzo zokuphepha komphakathi ngaphambi kosuku lwakho lokuzalwa lwama-65, ubhaliswa ngokuzenzakalela kuNgxenye A. Ngaphandle kwalokho, kuzodingeka ubhalisele lokho ku-inthanethi noma ehhovisi lezokuphepha komphakathi.

I-Medicare Part B ihlanganisa izinsizakalo zokuvikela, kufaka phakathi imikhuhlane

I-Medicare Part B ngumshwalense wakho wezokwelapha. Ihlanganisa izinsizakalo zokuvimbela, njengomkhuhlane. I-Medicare ikhokhela isibhamu esisodwa ngesizini kodwa ingamboza umzuzwana uma kunesidingo kwezempilo. Ukutholakala kwe-Medicare kufaka phakathi ama-flu shots avunyelwe yi-United States Food and Drug Administration (FDA) kubantu abangaphezu kweminyaka engama-65.



Uhlobo lomkhuhlane I gama le-brand Ukhetha ama-65 +? Thola isigqebhezana
Umthamo ophakeme we-quadrivalent I-Fluzone Yebo Thola isigqebhezana
Umuthi Wokugomela Umkhuhlane Osetshenzisiwe Fluad Yebo Thola isigqebhezana
Umthamo ojwayelekile isibhamu se-quadrivalent I-Afluria Quadrivalent Akunjalo Thola isigqebhezana
I-Fluarix Quadrivalent Akunjalo Thola isigqebhezana
I-FluLaval Quadrivalent Akunjalo Thola isigqebhezana
I-Fluzone Quadrivalent Akunjalo Thola isigqebhezana
I-Quadrivalent cell-based influenza shot I-Flucelvax Quadrivalent Akunjalo Thola isigqebhezana
Umkhuhlane we-recombinant quadrivalent shot I-Flublok Quadrivalent Akunjalo Thola isigqebhezana

I-Medicare ayihlanganisi imithi yokugomela umkhuhlane wamakhala, njengoba i-FDA ingazange iyivume kuleli qembu lobudala.

I-Medicare Part B ibuye ihlanganise umuthi wokugomela umkhuhlane wezingulube we-H1N1, umuthi wokugomela i-pneumococcal, kanye nesibhamu se-hepatitis B kubantu ababhekwa njengabayingozi enkulu.



Ingxenye B ibuye ifake isibhamu esithile uma sihlobene nokwelashwa kokugula noma kokulimala. Isibonelo, uma udokotela wakho elapha ukulimala nge-tetanus shot.

Ingxenye B iyakhethwa, futhi abanye abantu abanomshuwalense womqashi, kungaba ngokwabo noma ngabalingani babo, bangakhetha ukuyigcina leyo nshuwalense bese babhalisela ingxenye B ngokuhamba kwesikhathi. Ungasibhalisela lokhu ngesikhathi sakho sokuqala sokubhalisa, ngokufana neNgxenye A. Ungasibhalisela futhi kuze kube yizinyanga eziyisishiyagalombili ngemuva kokuyeka ukusebenza noma ulahlekelwe ukumbozwa komshuwalense. Uma ukhetha ukungabhaliseli Ingxenye B kodwa ubufanelekile ukwenza njalo, ungahle udinge ukukhokha inhlawulo yokubhaliswa sekwedlule isikhathi.



I-Medicare Part C ifaka i-Parts A ne-B-shot shot ifakiwe

Izinhlelo zeMedicare Part C zinikeza izinzuzo zombili zeNgxenye A no-B. Njengoba izinzuzo ze-Part B zifakiwe, i-Medicare Part C ifaka isibhamu somkhuhlane. Ezinye izinhlelo ze-Part C zifaka nokutholakala kwezidakamizwa kadokotela, okuvame ukumbozwa ngaphansi kwe-Medicare Part D. Uzobhalisela lokhu nangesikhathi sokubhalisa.

I-Medicare Part D ihlanganisa imiyalelo kanye neminye imigomo ongayidinga

I-Medicare Part D uhlelo lokuzikhethela lomuthi kadokotela. Izinhlelo ziyahlukahluka ekukhokheni, ukukhokhelwa kwemali, ukudonswa kwemali, nokutholakala kwezidakamizwa. Lezi zinhlelo zimboza eminye imigomo — ngaphandle komkhuhlane — uma kunengqondo futhi kudingekile ngokwezokwelapha. Imithi yokugoma ejwayelekile embozwe ngaphansi kwengxenye D ifaka phakathi:



  • Umuthi wokugomela ama-Shingles: Zonke izinhlelo zeNgxenye D kumele zihlanganise umuthi wokugomela ama-shingles. Kunezinhlobo ezimbili zemithi yokugoma evunyiwe ye-FDA. I-Zostavax (zoster) ne-Shingrix (i-zoster ephindayo) . Umuthi wokugomela iShingrix ubelokhu utholakala kusukela ngonyaka wezi-2017 futhi umuthi wokugomela oshisayo owuthandayo.
  • Umuthi wokugomela i-Tdap we-tetanus, diphtheria, ne-pertussis (obizwa nangokuthi ukukhwehlela)
  • Umuthi wokugomela we-MMR (isimungumungwane, mumps, rubella)
  • Umuthi wokugomela i-BCG wesifo sofuba
  • Imishanguzo ye-Meningococcal
  • I-hepatitis A futhi i-hepatitis B imigomo yabantu ababhekwa njengengozi enkulu

OKUSHIWO: Imithi yokugoma okufanele uyicabangele uma usuqede iminyaka engama-50

Inani olikhokhela umuthi wakho wokugoma lingahluka ngokuya ngokuthi ugonyelwa kuphi. Qiniseka ukuthi uhlola imithetho yokumboza uhlelo lwakho bese ubona ukuthi ungawuthola kuphi umuthi wakho wokugoma ngezindleko eziphansi kakhulu, kusho uGail Trauco, RN, BSN-OCN, ummeli wesiguli nomsunguli we UMthethosivivinywa Wezokwelapha 911 . Imvamisa, uzokhokha okuncane ngemithi yakho yokugoma kuma-pharmacy aku-network noma ehhovisi likadokotela elihlangana nekhemisi ukukhokhisa uhlelo lwakho lwengxenye D lomuthi nomjovo.

Ukuze ubhalise ezinhlelweni zeMedicare, khuluma nomenzeli womshuwalense wezempilo, ubuze ehhovisi lezokuPhepha Komphakathi, noma uvakashele i-compedare.gov. Yize Ingxenye A imahhala kulabo abafanelekile, uzokhokha imali ekhokhwa ngenyanga ngeNgxenye B, C, no-D.

Kukhona nezinhlelo zomshuwalense zokwengeza ze-Medicare, ezibizwa nge-Medigap coverage, ezinikezwa izinkampani ezizimele. Lezi zinhlelo zisebenza eceleni kwe-Original Medicare yakho (Ingxenye A no-B) futhi zingasiza ukukhokhela ama-copayments kanye ne-coinsurance. Kunezinhlobo eziningi ezahlukene zezinhlelo zokwengeza ze-Medicare ngakho-ke kubalulekile ukunquma ukuthi yikuphi okulungele wena. Umenzeli womshuwalense ogxile ekusebenzeni nabantu abadala angakunika imininingwane ngezinhlelo ezahlukahlukene.

Ingabe ama-flu shots amahhala kubantu abadala?

Kubantu abadala abane-Medicare Part B noma C, ukudutshulwa komkhuhlane owodwa ngonyaka kukhululekile. Abanye abantu abadala, noma kunjalo, abanazo lezi zinhlelo ze-Medicare futhi bangadinga ukukhokha ephaketheni ngokudutshulwa komkhuhlane.

Ngaphandle kwe-Medicare, Medicaid, noma omunye umshuwalense wezempilo, izindleko ze-Fluad noma i-Fluzone High-Dose zingaba kusuka ku- $ 139 kuye ku- $ 160 kuya nge-pharmacy yakho. Amanye amakhemisi ahlinzeka abantu abadala ngemikhuhlane cishe ngama- $ 70. Ungahlola nesikhungo sakho sendawo esiphezulu noma umnyango wezempilo esifundeni ukuthola ukuthi ngabe kukhona yini izindawo endaweni yakho ezihlinzekwayo isibhamu somkhuhlane samahhala kubantu abangenawo umshwalense.

Ungathola izintengo ezinesaphulelo usebenzisa amakhuphoni avela ku-SingleCare. Sesha i-Fluad noma i-Fluzone High-Dose ku- singlecare.com noma uhlelo lokusebenza lwe-SingleCare.