ʻO ka uhi lāʻau Medicare no ka haʻalele ʻana i ka paka

Anter

• He aha ka uhi a Medicare no ka hoʻomaha puhipaka?
• Nā lawelawe aʻoaʻo
• Ehia na kumukuai?
• Nā lāʻau lapaʻau
• Ehia na kumukuai?
• He aha ka mea ʻaʻole e uhi ʻia e Medicare?
• He aha ka hoʻomaha ʻana i ka paka?
• ʻO ka lawe lawe ʻana

• Hāʻawi ʻo Medicare i ka uhi no ka haʻalele ʻana i ka paka, me nā lāʻau lapaʻau a me nā lawelawe aʻoaʻo.
• Hāʻawi ʻia ka uhi ma o nā ʻāpana Medicare B a me D a i ʻole ma o kahi papahana Medicare Advantage.
• He nui nā mea maikaʻi o ka haʻalele ʻana i ka puhipaka, a nui nā kumuwaiwai e kōkua iā ʻoe ma ka huakaʻi.

Inā mākaukau ʻoe e haʻalele i ka puhipaka, hiki i ka Medicare ke kōkua.

Hiki iā ʻoe ke uhi no ka puhi ʻana ma ka paka ma o ka Medicare kumu (ʻāpana A a me B) - kikoʻī ʻo Medicare Part B (ʻinikua olakino). Hiki iā ʻoe ke kiʻi i ka uhi ma lalo o kahi hoʻolālā Medicare Advantage (ʻĀpana C).

Manaʻo ʻo Medicare i nā lawelawe hoʻomaha ʻana i ka puhipaka me ka mālama pale ʻana. ʻO kēia ke kumu i nā manawa he nui, ʻaʻole pono ʻoe e uku i nā koina o waho o ka ʻeke.

E hoʻomau i ka heluhelu ʻana e ʻike hou aʻe e pili ana i ka uhi a Medicare e kōkua ai iā ʻoe e haʻalele i ka puhipaka.

He aha ka uhi a Medicare no ka hoʻomaha puhipaka?

Hāʻule nā ​​lawelawe hoʻomaha puhipaka ma lalo o Medicare Part B, kahi e uhi ai i nā lawelawe pale.

Uhi ʻia ʻoe a hiki i ʻelua mau hoʻāʻo ʻana e haʻalele i kēlā me kēia makahiki. Hoʻopili kēlā me kēia hoʻāʻo i ʻehā mau ʻōlelo aʻoaʻo he alo a he alo, no ka huina o ʻewalu mau kau i uhi ʻia i kēlā me kēia makahiki.

Me nā ʻōlelo aʻoaʻo, koi paha kāu kauka i nā lāʻau lapaʻau e kōkua iā ʻoe e haʻalele i ka puhipaka. ʻAʻole uhi ka Medicare Part B i nā kuhikuhi, akā hiki iā ʻoe ke kūʻai i kēia uhi me kahi papahana Medicare Part D (lāʻau lāʻau kuhikuhi). E kōkua kahi papahana ʻĀpana D iā ʻoe e uhi i kēia mau koina.

Hiki iā ʻoe ke kiʻi i kēia mau lawelawe ma lalo o kahi hoʻolālā Medicare Advantage pū kekahi. ʻO nā hoʻolālā Medicare Advantage, i ʻike ʻia ʻo Medicare Part C mau hoʻolālā, koi ʻia e hāʻawi i ka uhi like me Medicare kumu.

Hoʻohui pū kekahi mau hoʻolālā Advantage i ka uhi lāʻau lāʻau, a me ke kōkua ʻana i ka pau ʻana o ka puhi paka ʻana ʻaʻole uhi ʻia ʻo Medicare.

Nā lawelawe aʻoaʻo

Ma nā kau ʻōlelo aʻoaʻo e kōkua iā ʻoe e hōʻoki i ka puhipaka, e hāʻawi ke kauka a kauka paha iā ʻoe i ka ʻōlelo aʻoaʻo pilikino e pili ana pehea e haʻalele ai. E kōkua ʻoe me:

• ke hana nei i kahi hoʻolālā e haʻalele i ka puhipaka
• ke kuhikuhi nei i nā hanana e hoʻonāukiuki i kou makemake e puhi
• ke loaʻa nei nā koho ʻē aʻe e hiki ke pani i ka puhipaka ke loaʻa iā ʻoe ka makemake
• ka lawe ʻana i nā huahana paka, a me nā ipukukui a me nā lehu ahi, mai kou home, kaʻa, a keʻena paha
• ke aʻo ʻana pehea e hiki ai i ka haʻalele ʻana ke hoʻopōmaikaʻi i kou olakino
• ka hoʻomaopopo ʻana i ka hopena o ka naʻau a me ke kino e hele ai ʻoe ma ka haʻalele ʻana

Hiki iā ʻoe ke loaʻa i ka ʻōlelo aʻoaʻo i kekahi mau ʻano ʻokoʻa, e laʻa me ke kelepona a me nā kau pūʻulu.

Hāʻawi ka ʻōlelo aʻoaʻo kelepona i nā kākoʻo āpau o nā kau ma ke keʻena akā ʻaʻole pono ʻoe e haʻalele i kou home.

I nā hui pūʻulu, alakaʻi nā kākāʻōlelo i kahi hōʻiliʻili liʻiliʻi o ka poʻe e hana nei i ka pahuhopu like, e like me ka haʻalele ʻana i ka puhipaka. Hiki i nā ʻōlelo aʻoaʻo hui ke lilo i ala maikaʻi loa e loaʻa ai ke kākoʻo mai ka poʻe ʻike i ka mea āu e hele nei a kaʻana like i kāu mau kūleʻa a me nā hakakā.

Pono e ʻae ʻia ke kākāʻōlelo āu e koho ai e Medicare inā makemake ʻoe e uhi ʻia nā lawelawe. Pono ʻoe i puhi paka i kēia manawa a hoʻopaʻa inoa ʻia i Medicare. Hiki iā ʻoe ke loaʻa nā mea hoʻolako i kāu wahi e hoʻohana nei i ka pūnaewele Medicare.

Ehia na kumukuai?

E uhi piha ʻia ke kumukūʻai o kāu kau ʻōlelo aʻoaʻo ʻewalu e Medicare ke hoʻohana wale ʻoe i kahi mea hoʻolako i ʻae ʻia e Medicare. ʻO kāu koina wale nō kāu ʻāpana B mahina uku nui (a i ʻole ke kumukūʻai no kāu papahana Medicare Advantage), akā ʻo kēia ka nui like āu e uku ai.

Nā lāʻau lapaʻau

Kau kauka paha i kau kauka i mea kōkua e hōʻoki i ka puhipaka. Kōkua kēia mau lāʻau iā ʻoe e haʻalele ma ka hōʻemi ʻana i kou makemake e puhi.

I mea e kūpono ai no ka uhi ʻana, pono e kuhikuhi ʻia ka lāʻau e kāu kauka a me ka US Food and Drug Administration (FDA) e kōkua ai me ka hoʻōmi paka ʻana. I kēia manawa, ua ʻae ʻo FDA i ʻelua mau koho koho.

• Chantix (varenicline tartrate)
• Zyban (bupropion hydrochloride)

Inā loaʻa iā ʻoe kahi hoʻolālā lāʻau hoʻomākaukau ma o Medicare Part D a i ʻole Medicare Advantage, pono ʻoe e uhi ʻia no kēia mau lāʻau. I ka ʻoiaʻiʻo, koi ʻia kāu hoʻolālā ma o Medicare e uhi i hoʻokahi lāʻau no ka haʻalele ʻana i ka paka.

Ehia na kumukuai?

Hiki iā ʻoe ke ʻike i nā ʻano laulā o kēia mau lāʻau, a he kumukūʻai maʻamau lākou.

ʻO ke kumukūʻai maʻamau no ka bupropion (ke ʻano generic o Zyban) ma kahi o $ 20 no kahi lako o 30 lā, ʻoiai me ka ʻole o ka ʻinikua a me nā coupons. ʻO kēia kumukūʻai ke uku aku iā ʻoe me ka ʻole o ka ʻinikua. ʻO ke kumukūʻai maoli āu e uku ai ma muli o kāu hoʻolālā ʻinikua, kou wahi, a me ka lāʻau kūʻai āu e hoʻohana ai.

E hilinaʻi kāu kumukūʻai ma waho o ka ʻeke i kāu kikoʻī Part D a i ʻole papahana Advantage. Hiki iā ʻoe ke nānā i ka papa inoa o kāu papa hoʻolālā o nā lāʻau i uhi ʻia, i ʻike ʻia ma ke ʻano he formulary, inā makemake ʻoe e ʻike i nā lāʻau i hoʻohui ʻia.

He manaʻo maikaʻi nō hoʻi e kūʻai aku ma nā hale kūʻai komo mai i kou kaiāulu no ke kumukūʻai maikaʻi loa.

He aha ka mea ʻaʻole e uhi ʻia e Medicare?

ʻO Medicare wale nō nā lāʻau i kuhikuhi ʻia no ka hoʻopau paka ʻana. ʻAʻole uhi ʻia nā huahana over-the-counter. No laila, inā paha lākou e kōkua iā ʻoe e haʻalele i ka puhipaka, pono ʻoe e uku no lākou mai ka pocket.

Loaʻa kekahi o nā huahana i loaʻa ma o-the-counter:

• ʻumeke nikōtine
• nā lozenges nikotine
• nā paina nikotine
• inhalers nikotine

ʻIke ʻia kēia huahana me ka nicotine replacement therapy. Hiki i ke hoʻohana ʻana iā lākou ke kōkua iā ʻoe e haʻalele me ka lohi, no ka mea, ʻae lākou iā ʻoe e kiʻi i nā lāʻau liʻiliʻi o ka nikotine me ka puhipaka ʻole ʻole. Hiki i kēia kaʻina hana ke kōkua iā ʻoe e ʻike i nā ʻōuli haʻalele.

He mea ʻole nā ​​huahana āu e koho ai, ʻo ka pahuhopu e hoʻohana i ka mea liʻiliʻi i ka hala ʻana o ka manawa. Kēia ala, e hoʻomaʻa i kou kino i ka liʻiliʻi a me ka liʻiliʻi o ka nikotine.

ʻAʻole uhi ka lāʻau Medicare i kekahi o kēia mau huahana over-the-counter.

Inā loaʻa iā ʻoe kahi hoʻolālā Medicare Advantage, akā, e hoʻopili ʻia paha i kahi uhi a i ʻole nā ​​hōʻemi i kēia mau huahana. Hiki iā ʻoe ke nānā i nā kikoʻī o kāu hoʻolālā a ʻimi paha i hoʻokahi ma kāu wahi e uhi ana i kēia mau huahana me ka hoʻohana ʻana i ka mea loaʻa o Medicare.

He aha ka hoʻomaha ʻana i ka paka?

ʻO ke kaʻina hana o ka haʻalele ʻana i ka puhipaka ʻike ʻia ka hoʻomaha ʻana i ka paka. Wahi a kahi loiloi e ka CDC, kokoke i nā poʻe puhipaka makua ʻAmelika e haʻalele i ka 2015.

Nā kumu e haʻalele i ka puhipaka pū kekahi:

• mahuahua ke kali ana o ke ola
• ua hoʻemi i ka pilikia o nā maʻi he nui
• ka hoʻomaikaʻi olakino holoʻokoʻa
• hoʻomaikaʻi i ka maikaʻi o ka ʻili
• ʻoi aku ka maikaʻi o ka ʻono a me ka pilau
• ʻoi aku ka liʻiliʻi o ke anuanu a i ʻole nā ​​hōʻailona maʻi āpau

ʻO ke kumukūʻai o ka paka ka mea i alakaʻi i nā poʻe he nui e haʻalele. Hōʻike ka noiʻi e hiki i ka haʻalele ʻana i ka puhipaka ke mālama iā ʻoe ma kahi o $ 3,820 i ka makahiki. ʻOiai ʻo kēia, ʻo nā mea puhipaka wale nō i kūleʻa i ka 2018.

Inā ʻoe e hoʻāʻo nei e haʻalele, hiki i nā hana hoʻomaha puhi ʻana ke kōkua iā ʻoe me nā ʻōuli o ka haʻalele ʻana o nikotine a hāʻawi iā ʻoe i nā pono hana e pono ai e noho puhipaka ʻole.

Hiki iā ʻoe ke hoʻāʻo i nā ʻano hana ʻē aʻe i ka hoʻohui ʻana i nā kau ʻōlelo aʻoaʻo, nā kuhikuhi, a me nā hana i kūʻai ʻia ma waho o ka pā.

ʻO kahi laʻana, ua hoʻolālā ʻia nā polokalamu kelepona e kōkua iā ʻoe e hoʻokele i kāu ʻiʻini a loaʻa ke kākoʻo hoa. Hiki paha iā ʻoe ke ʻike i nā hana nontraditional, e like me ka acupuncture a i ʻole nā ​​lāʻau lapaʻau.

Hoʻohana kekahi poʻe i ka uahi paka e ke hoʻāʻo ʻana e haʻalele, akā ʻaʻole koi ʻia kēia ala.

Eia kekahi mau kumuwaiwai hou aʻe no ka mākaukau e hana i kahi hana hou:

• ʻO ka Pūnaewele Nūhou o ka Paka Kāpena Quitline. E hoʻohui kēia laina hotline iā ʻoe me kahi loea i hiki ke kōkua iā ʻoe e hana i kahi hoʻolālā e haʻalele no ka maikaʻi. Hiki iā ʻoe ke kāhea iā 800-QUITNOW (800-784-8669) e hoʻomaka.
• ʻAuhea. Hiki iā Smokefree ke kuhikuhi iā ʻoe i nā kumuwaiwai, hoʻonohonoho i kahi kamaʻilio me ke kākāʻōlelo aʻo, a kōkua iā ʻoe e nānā i kāu holomua.
• ʻO ke kūʻokoʻa mai ka puhipaka. ʻO kēia papahana, i hāʻawi ʻia e ka ʻAhahui Lū ʻAmelika, ke kōkua nei i ka poʻe e haʻalele i ka puhi paka ʻana mai ka makahiki 1981.

ʻO ka lawe lawe ʻana

Hiki iā Medicare ke kōkua iā ʻoe e haʻalele i ka puhipaka. Uhi ʻia i nā ʻano papahana like ʻole.

Ke hoʻoholo nei ʻoe i nā koho e kūpono iā ʻoe, e hoʻomanaʻo i:

• Manaʻo ʻo Medicare i ka mālama pale ʻana i ka puhipaka.
• Hiki iā ʻoe ke kiʻi i nā kau aʻoaʻo aʻoaʻo ʻewalu puhi puhi i kēlā me kēia makahiki, ke kau inoa ʻia kāu mea lawelawe i Medicare.
• Hiki iā ʻoe ke kiʻi i nā lāʻau i kuhikuhi ʻia ma lalo o Medicare Part D a i ʻole Medicare Advantage.
• ʻAʻole uhi ka Medicare Original i nā huahana i waho o ka counter, akā he papahana Advantage paha.
• He mea paʻakikī ke haʻalele ʻana i ka puhipaka ʻana iā ʻoe iho, akā hiki ke kōkua i nā polokalamu hoʻōmi, nā lāʻau, a me nā kākoʻo o nā hoa.

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.