Shin Medicare yana rufe maganin mura?

Kamfanin

Bugun mura yana da mahimmanci don kare lafiyarku a lokacin kaka da watannin hunturu.

Lokacin mura yawanci yana farawa a watan Nuwamba kuma yana wucewa zuwa Afrilu. Mafi yawan wadanda suka kamu da cutar galibi suna faruwa ne tsakanin Disamba da Fabrairu. Lokacin mura na 2018-2019 ba sabon abu bane saboda ya kasance har zuwa Mayu. Mura, ba bisa ƙa'ida ake kira mura, na haifar da zazzaɓi, tari, ciwon wuya, ciwon kai, gajiya, da ciwon jiki.

Ga waɗanda suka wuce shekaru 65, mura tana da haɗari kuma yana da barazanar rai. Wannan yawan yana da mafi girman haɗarin ɓarkewar rikice-rikice daga mura, a cewar Cibiyoyin Kula da Cututtuka da Cututtuka ( CDC ), wanda zai iya haifar da asibiti har ma da mutuwa. A lokacin cutar ta 2018-19, mutane miliyan 42.9 sun kamu da rashin lafiya; 647,000 ne aka kwantar a asibiti; kuma 61,200 suka mutu. Kashi 90 cikin 100 na duk asibiti daga mura ya faru ne a cikin mutanen da shekarunsu suka wuce 65, kamar yadda a nazarin da CDC ya wallafa tare da buga shi a cikin 2019 .

Samun allurar mura shekara-shekara ita ce hanya mafi kyau guda don hana saurin yanayi da rikitarwa, a cewar CDC . Wasu mutanen da suka kamu da mura har yanzu suna iya yin rashin lafiya; duk da haka, a binciken da aka buga a 2018 gano cewa mutanen da suka kamu da mura bayan sun samu allurar rigakafin suna da alamun rashin lafiya da kuma rage haɗarin shiga asibiti.

Ga waɗanda suka wuce shekaru 65, waɗanda ke da manyan lamuran lafiya, kamar su ciwon sukari ko asma, suna da rauni a garkuwar jiki, misali daga chemotherapy, ko kuma suna zaune a gidan kula da tsofaffi, ya kamata a sanar da likitoci game da alamun mura, kamar zazzaɓi, sanyi, ciwon kai. da ciwon jiki, in ji Ishani Ganguli , MD, masanin farfesa na magani a Harvard Medical School. Hakanan yana da mahimmanci a nemi taimakon likita don bayyanar cututtuka masu tsanani, kamar zazzaɓi sama da digiri [104], matsalar numfashi, da rikicewa.

Dangantaka: Mura ta harbi sakamako da illa

Shin Medicare yana rufe maganin mura?

Idan ka kai shekara 65 ko sama da haka, ka cancanci ɗaukar nauyin Medicare, kuma an yi sa'a, Medicare tana ɗaukar hotunan mura. Koyaya, ba kowane shirin Medicare ya haɗa ba kyauta mura mura. Kashi na B da C (Shirye-shiryen Amfani na Medicare) suna biyan cikakken kuɗin maganin harbi idan kayi amfani da kantin magani ko mai ba da kiwon lafiya wanda ke karɓar kuɗin Medicare. Lokacin amfani da mai ba da lafiya a karo na farko, kira gaba don tabbatar da karɓar ayyukan Medicare.

Yadda ake samun maganin Medicare don harba mura

Akwai magunguna da yawa na Medicare, a cewar Cibiyoyin Medicare da Medicaid Services . Zai fi kyau koya abin da kowane ɓangare yake rufewa da abin da ya fi alfanu a gare ku.

Sashin Kiwon Lafiya A ya rufe zaman asibiti-ba a haɗa harbi da mura ba

Sashe na A na A ya rufe asibitoci, da wuraren jinya, da kula da gida. Ba ya rufe harbin mura.

Yana da kyauta ga mutanen da suka cancanci shekaru 65 ko sama da haka. Gabaɗaya, idan ku ko matar ku suka biya harajin Medicare na aƙalla shekaru 10, wannan sashin na Medicare kyauta ne. Kuna iya rajistar wannan farawa watanni uku kafin ranar haihuwar ku ta 65. Idan kuna karɓar fa'idodin tsaro na zamantakewar ku kafin ranar haihuwar ku ta 65, kuna rijista ta atomatik a Sashe na A. In ba haka ba, kuna buƙatar yin rajista don shi ko dai ta yanar gizo ko a ofishin tsaro na zamantakewar jama'a.

Sashe na B na Medicare ya ƙunshi ayyukan rigakafin, gami da harba mura

Kashi na B shine asibiti na asibiti. Ya ƙunshi ayyukan rigakafi, kamar harbi mura. Medicare tana biyan harbi daya a kowane lokaci amma tana iya rufe sakan idan ya zama dole a likitance. Magungunan kiwon lafiya sun hada da maganin mura wanda Hukumar Abinci da Magunguna ta Amurka (FDA) ta amince da shi ga mutanen da suka wuce shekaru 65.

Nau'in mura mura	Sunan alama	An fi so don 65 +?	Samo coupon
Babban kashi quadrivalent	Fluzone	Ee	Samo coupon
Maganin Ciwon Mura	Ruwa	Ee	Samo coupon
Matsakaici kashi quadrivalent Shots	Afluria Quadrivalent	Ba	Samo coupon
Fluarix Quadrivalent	Ba	Samo coupon
FluLaval Quadrivalent	Ba	Samo coupon
Fluzone Quadrivalent	Ba	Samo coupon
Quadrivalent cell na tushen mura mura	Flucelvax Quadrivalent	Ba	Samo coupon
Recombinant quadrivalent mura mura	Flublok yan hudu	Ba	Samo coupon

Medicare ba ta rufe allurar rigakafin mura ta hanci, saboda FDA ba ta amince da su ba don wannan rukunin shekarun ba.

Sashe na B na Medicare kuma yana rufe da allurar rigakafin cutar alade ta H1N1, rigakafin cutar pneumococcal, da kuma cututtukan hepatitis B ga mutanen da aka ɗauka masu haɗari.

Sashe na B ya haɗa da wasu harbi idan suna da alaƙa da magani don rashin lafiya ko rauni. Misali, idan likitanka yayi maganin rauni tare da harbin tetanus.

Sashi na B zaɓi ne, kuma wasu mutanen da ke da inshorar ma'aikata, ko dai ta hanyar kansu ko matansu, na iya zaɓar su riƙe wannan inshorar kuma su yi rajista don Sashe na B daga baya. Kuna iya yin rijistar wannan yayin lokacin rijistar ku na farko, daidai yake da Sashi na A. Hakanan kuna iya yin rajistar ta har zuwa watanni takwas bayan kun daina aiki ko rasa inshorar inshora. Idan kun zaɓi kada ku yi rajista don Sashe na B amma kun cancanci yin hakan, kuna iya buƙatar biyan bashin rajista a ƙarshen.

Kashi na Medicare Sashi na C ya hada da sassan A da B - harbi da mura da aka hada

Shirye-shiryen Medicare Part C suna ba da fa'idodin Sashi na A da B. Tare da fa'idodin Sashe na B sun haɗa, Medicare Sashe na C yana ɗaukar hotunan mura. Wasu shirye-shiryen Sashe na C sun haɗa da ɗaukar magungunan magani, gabaɗaya an rufe su a karkashin Medicare Sashe na D. Za ku yi rajistar wannan a yayin lokacin yin rajistar kuma.

Sashe na D na Medicare ya ƙunshi takaddun magani da sauran rigakafin da kuke buƙata

Sashin Kiwon Lafiya na D shiri ne na likitanci wanda aka zaba. Shirye-shiryen sun bambanta a cikin biyan kuɗi, biyan kuɗi, ragi, da ɗaukar magani. Waɗannan tsare-tsaren sun shafi sauran alurar riga kafi — ban da maganin mura - lokacin da suka dace kuma suka cancanta a likitance. Alluran rigakafi gama gari waɗanda aka rufe ƙarƙashin Sashe na D sun haɗa da:

• Alurar rigakafin Shingles: Duk shirye-shiryen Sashe na D dole ne ya rufe allurar shingles. Akwai nau'ikan rigakafin shingles iri biyu da FDA ta amince da su, Zostavax (zoster) da Shingrix (mai haɗa hoto) . Alurar riga-kafi ta Shingrix tana nan tun 2017 kuma ita ce rigakafin shingles da aka fi so.
• Alurar riga kafi ta Tdap ga tetanus, diphtheria, da kuma pertussis (wanda kuma ake kira tari)
• MMR (kyanda, mumps, rubella) rigakafi
• Alurar rigakafin BCG don tarin fuka
• Alurar rigakafin cutar sankarau
• Ciwon hanta A kuma hepatitis B alurar rigakafi ga mutanen da aka ɗauka masu haɗari

Dangantaka: Alurar riga kafi da za a yi la’akari da ita lokacin da ka cika shekaru 50

Adadin da kuka biya don rigakafin ku na iya bambanta dangane da inda kuka yi rigakafin. Tabbatar da bin dokokin ɗaukar shirinka kuma ka ga inda zaka sami maganin alurar riga kafi a farashi mafi arha, in ji Gail Trauco, RN, BSN-OCN, mai ba da haƙuri da haƙuri kuma ya kafa Dokar Likita 911 . Yawanci, zaku biya mafi ƙarancin allurar ku a cikin shagunan sadarwar yanar gizo ko kuma a ofishin likita wanda ke daidaitawa tare da kantin magani don biyan kuɗin sashin ku na D don magani da allurar.

Don yin rajista a cikin shirin na Medicare, yi magana da wakilin inshorar lafiya, bincika a Ofishin Tsaro na Social, ko ziyarci medicare.gov. Kodayake Sashi na A kyauta ne ga waɗanda suka cancanta, zaku biya kuɗin wata na Sashin B, C, da D.

Hakanan akwai tsare-tsaren inshora na kari na Medicare, wanda ake kira Medigap ɗaukar hoto, waɗanda kamfanoni masu zaman kansu ke bayarwa. Waɗannan tsare-tsaren suna aiki tare da Asibitin Asalinku na asali (Sashi na A da B) kuma yana iya taimakawa wajen biyan kuɗin sake biyan kuɗi da kuma biyan kuɗi. Akwai tsare-tsare daban-daban na shirin kari na Medicare saboda haka yana da mahimmanci don tantance wanene yafi muku kyau. Wakilin inshora wanda ya kware a aiki tare da tsofaffi na iya ba ku bayanai kan tsare-tsare daban-daban.

Shin harba mura kyauta ne ga tsofaffi?

Ga tsofaffi waɗanda ke da Medicare Sashe na B ko C, ɗayan mura guda ɗaya a kowace shekara kyauta ne. Wasu tsofaffi, ba su da waɗannan tsare-tsaren Medicare kuma suna iya buƙatar biya daga aljihu don harbin mura.

Ba tare da Medicare, Medicaid, ko wasu inshorar lafiya ba, farashin Fluad ko Fluzone High-Dose na iya kaiwa daga $ 139 zuwa $ 160 dangane da kantin magani. Wasu kantin magani suna ba da maganin mura ga tsofaffi game da $ 70. Hakanan zaka iya bincika tare da babbar cibiyar ku ta gida ko ma'aikatar kiwon lafiya na lardin don bincika ko akwai wasu wurare a yankinku da suke bayarwa kyauta mura ga mutane ba tare da inshora ba.

Kuna iya samun ragin farashi ta amfani da takardun shaida daga SingleCare. Bincika Fluad ko Fluzone High-Dose akan singlecare.com ko aikace-aikacen SingleCare.