ʻO Medicare a me Arthritis: He aha ka mea i uhi ʻia a he aha ka ʻole?

Anter

• Uhi ʻia nā lilo osteoarthritis āpau?
• Uhi anei ʻo Medicare i ka rumatika?
• He aha e pili ana i ka hope pani?
• Nā mea hoʻohui i Medicare
• E hoʻomaka me kāu kauka
• Lawe aku

E uhi ka Medicare Original (nā ʻāpana A a me B) i nā lawelawe a me nā lako no ka lāʻau osteoarthritis inā ua hoʻoholo kāu kauka he pono kūpono ia.

ʻO ka osteoarthritis ka ʻano maʻamau o ka maʻi kōpaʻa. Hoʻohālikelike ʻia e ka lole ma luna o ka cartilage e hoʻopili ana i nā hono. E like me ke kāʻei ʻana o ka cartilage, hiki i ka hopena ke pili ka iwi-i-ka iwi i kahi hui. Hiki i kēia ke alakaʻi i ka ʻeha, ʻoʻoleʻa, a me ka pehu.

E heluhelu e aʻo e pili ana i ka uhi ʻana no ka osteoarthritis a me nā ʻano ʻē aʻe o ka arthritis.

Uhi ʻia nā lilo osteoarthritis āpau?

ʻO ka pane maʻalahi: ʻaʻole. Aia nā koina iā ʻoe ke kuleana.

Inā loaʻa iā ʻoe Medicare Māhele B (ʻinikua olakino), uku paha ʻoe i ka uku no kēlā me kēia mahina. I ka 2021, no ka hapa nui o ka poʻe he $ 148.50 kēlā. I ka 2021, uku paha ʻoe i $ 203 no ka unuhi ʻia o ka Māhele B. Ma hope o ka unuhi ʻia, uku mau ʻoe i kahi 20 keneta copay o nā kālā i ʻae ʻia e Medicare no:

• ʻo ka hapa nui o nā lawelawe kauka (e like me ka inpatient hospital)
• lāʻau lapaʻau kūwaho
• nā pono olakino paʻa, e like me ka mea hele a noho huila paha

ʻAʻole e uhi ʻo Medicare i nā lāʻau lapaʻau ma waho (the counter) (OTC) e ʻōlelo ai paha kāu kauka no ka mālama ʻana i nā ʻōuli osteoarthritis, e like me:

• acetaminophen (Tylenol)
• OTC NSAIDs (Nonsteroidal anti-inflammatory drug) e like me naproxen sodium (Aleve) a me ibuprofen (Motrin)

Uhi anei ʻo Medicare i ka rumatika?

ʻO Rheumatoid arthritis (RA) kahi maʻi autoimmune e hōʻeha i ka pehu ʻeha (mumū). Hoʻouka pinepine ia i nā hono, pinepine i nā hui like ʻole i ka manawa like.

Hiki paha i ka Medicare Original (nā ʻāpana A a me B) ke uhi i ka mālama ʻana no RA ma ke ʻano he lawelawe mālama mālama hoʻomau. Koi ʻia ka mālama ʻana i ka mālama mālama maʻi ʻelua a ʻoi paha i nā kūlana koʻikoʻi koʻikoʻi a kāu kauka e manaʻo ai e hala ma kahi o hoʻokahi makahiki, e like me:

• ʻōiwi
• maʻi maʻi puʻuwai
• diabetes
• hānō
• hypertension

E like me nā lapaʻau ʻē aʻe, e kakali i nā lilo ma waho o ka ʻeke, e like me nā uku no ka ʻāpana B a me nā copay.

He aha e pili ana i ka hope pani?

Inā ua holomua kāu ʻōpala a hiki i kahi i manaʻo ai kāu kauka e pono ai ke kīpē pani pani, pono nā ʻāpana Medicare A a me B i ka hapa nui o ke kumukūʻai, e like me kekahi o nā kumukūʻai o kou hoʻōla.

E like me nā lāʻau lapaʻau ʻē aʻe, loaʻa paha iā ʻoe nā lilo ma waho o ka ʻeke, e like me nā uku ʻo Part B a me nā copay.

Nā mea hoʻohui i Medicare

Hiki iā ʻoe ke kūʻai i ka inikua mai nā ʻoihana pilikino e uhi ana i kekahi, a malia paha nā mea āpau o nā lilo i uhi ʻole ʻia e Medicare kumu, e like me:

• Medigap. ʻO Medigap kahi ʻinikua hoʻohui e hiki ke kōkua i ka uku aku i nā copayments, coinsurance, a me nā deductibles.
• ʻO Medicare ʻĀpana C (Medicare Advantage). ʻO nā hoʻolālā Medicare Advantage e like me kahi PPO a i ʻole HMO e hāʻawi i kāu mau ʻāpana A a me B e pili ana i nā pono ʻē aʻe. ʻO ka hapa nui e pili ana iā Medicare Part D a hāʻawi i nā mea he nui e like me ke kahua niho, ka hihiʻo, ka hoʻolohe ʻana, a me nā polokalamu olakino. ʻAʻole hiki iā ʻoe ke loaʻa iā Medigap a me Part C, pono ʻoe e koho i kekahi a i ʻole i kekahi.
• Medicare Mahele D. Hoʻolālā nā papahana lāʻau lāʻau Medicare Part D i nā mea āpau a ʻāpana paha o nā kumukūʻai o nā lāʻau kikoʻī. ʻAʻole uhi ʻia nā lāʻau āpau, no laila he mea maikaʻi e hōʻoia i ka uhi a nīnau e pili ana i nā lāʻau ʻē aʻe, e like me nā mana generic, i mea e pale ai i nā kumukūʻai i manaʻo ʻole ʻia.

E hoʻomaka me kāu kauka

ʻO ka hana mua e hōʻoia i ka ʻae ʻana o kāu kauka iā Medicare a i ʻole, inā ua kūʻai ʻoe iā Medicare Part C, aia kāu kauka i kāu hoʻolālā.

E kūkākūkā i nā mea kikoʻī o nā lāʻau lapaʻau āpau e koi ʻia me kāu kauka e ʻike inā uhi ʻia e kāu uhi Medicare a i ʻole he mau koho ʻē aʻe āu e makemake ai e noʻonoʻo.

Hiki i ka mālama ʻana ke hoʻopili i kekahi o nā mea aʻe paha:

• lāʻau lapaʻau (OTC a me ka palapala kuhikuhi)
• ʻoki kino
• kaukaʻi (kino a me ka hana)
• lakohana (kō, hele wāwae)

Lawe aku

• E uhi ka lāʻau Medicare i nā lawelawe e pono ai no ka lāʻau lapaʻau, e like me ke ʻoki pani pani.
• Loaʻa nā lilo ma waho o ka ʻeke i uhi ʻole ʻia e Medicare kumu. Aia i kāu mau pono kikoʻī, pono paha e ʻimi i nā koho e hele pū me kāu uhi Medicare, e like me:
  • Medigap (ʻInikua kōkua Medicare)
  • ʻO Medicare Māhele C (Medicare Advantage)
  • ʻO Medicare ʻĀpana D (kauka lāʻau kuhikuhi)

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 20, 2020, e hōʻike i ka ʻike 2021 Medicare.

Hiki i ka ʻikepili ma kēia pūnaewele ke kōkua iā ʻoe i ka hoʻoholo ʻana pilikino e pili ana i ka ʻinikua, akā ʻaʻole ia i manaʻo ʻia e hāʻawi i nā ʻōlelo aʻoaʻo e pili ana i ke kūʻai a hoʻohana ʻana i nā huahana ʻinikua a me nā ʻinikua paha. ʻAʻole lawelawe ʻo Healthline Media i ka ʻoihana ʻinikua i kekahi ʻano a ʻaʻohe laikini ma ke ʻano he ʻinikua a i ʻole mea hana i kēlā me kēia mana o U.S. ʻAʻole koi a kākoʻo ʻo Healthline Media i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.