ሜዲኬይድ ወይም የግል ኢንሹራንስ የካንሰር ምርመራዎችን ይሸፍናል?
ታውቃለህ ለካንሰር ተጋላጭነትን ለመቀነስ መተግበር የአኗኗር ዘይቤ. ታውቃለህ በእድሜዎ ላይ ተመስርተው የሚያስፈልጉዎትን የማጣሪያ ምርመራዎች. ነገር ግን፣ ቀጥተኛ ያልሆነው እንዴት በተመጣጣኝ ዋጋ እንደሚጣራ እና እንዴት ኢንሹራንስን ማሰስ እንደሚቻል ነው።
ኢንሹራንስ ከመጠን በላይ ውስብስብ እና ውጥረት ሊሰማው ይችላል. መንገድ በጣም አስጨናቂ። ከሆንክ በኢንሹራንስ ግራ መጋባት ምክንያት መቅረት ወይም ማጣራት ለሌላ ጊዜ ማስተላለፍጤናዎን አደጋ ላይ እንዳይጥሉ የሚያስፈልግዎ መረጃ ይህ ነው።
What services are fully covered under Medicaid?
Medicaid coverage for cancer screening tests vary by state. Check with your state Medicaid office to learn more about which cancer screening tests are covered under your plan.
What services are fully covered under private insurance?
የ የአሜሪካ መከላከያ አገልግሎቶች ግብረ ኃይል (USPSTF)—a group of medical experts who establish recommendations on certain health services, such as cancer screenings—assign a letter grade (A, B, C, D or I) to recommend for or against medical services, based on clinical evidence. Per the Affordable Care Act (ACA), Medicare and private insurers are required to cover services, without cost sharing (including copays or deductibles), that are given an “A” or “B” grade. እንዲሁም ማየት ይችላሉ ሙሉ የ USPSTF ደረጃ አሰጣጥ ስርዓት እያንዳንዱ ክፍል እንዴት እንደሚገለጽ እና ለሽፋን ምን ማለት እንደሆነ ለማየት።
Here is a list of cancer preventive-related services that currently have an “A” or “B” (and are therefore fully covered by Medicare or private insurance):
የአደጋ ግምገማ/መቀነስ
- Risk assessments for women with personal or family histories of breast, ovarian, tubal or peritoneal cancer or who have ancestry associated with BRCA-1 or BRCA-2 gene mutations. After the risk assessment, women with positive risk assessment should receive genetic counseling and, if indicated after counseling, genetic testing.
- ዕድሜያቸው 35 እና ከዚያ በላይ ለሆኑ ሴቶች ለጡት ካንሰር የመጋለጥ እድላቸው ከፍ ያለ እና ለአሉታዊ ተጽእኖዎች ተጋላጭ ለሆኑ ሴቶች ለአደጋ መከላከያ መድሃኒቶች የታዘዙ ናቸው። ለአደጋ የተጋለጡ ሴቶች ሰፊ የቤተሰብ ታሪክ ያላቸው ካንሰር ያለባቸውን (በተለይም ከ50 ዓመት በታች የሆኑ ካንሰር ያለባቸው የቤተሰብ አባላት)፣ ያልተለመደ የጡት ህመም የግል ታሪክ፣ የጡት እፍጋት መጨመር፣ ከመጠን ያለፈ ውፍረት ወይም ውፍረት፣ እና የተወሰኑ ሆርሞን እና የመራቢያ ምክንያቶች ሊሆኑ ይችላሉ።
የማጣሪያ ስራዎች
- Biennial (every other year) breast cancer screening with mammography for women at average risk ages 40-74.
- Note: The Prevent Cancer Foundation recommends getting routine mammograms every year ከ40 ዓመት ጀምሮ. The USPSTF recommends only biennial mammograms, but insurance coverage for annual mammograms is protected by congressional action until 2028.
- በአማካይ ከ21-65 ዓመት ለሆኑ ሴቶች የማህፀን በር ካንሰር ምርመራ።
- በአማካይ እድሜያቸው ከ45-75 ለሆኑ አዋቂዎች የኮሎሬክታል ካንሰር ምርመራ።
- ሄፕታይተስ ቢ ቫይረስ (ኤች.ቢ.ቪ) ለታዳጊዎች እና ለአዋቂዎች ተጋላጭነት እና ለነፍሰ ጡር ሴቶች ምርመራ። ለአደጋ የተጋለጡ ሰዎች የተወለዱትን ወይም የተወለዱ ወላጆችን ያካትታሉ a country outside of the United States with a high prevalence of HBV infection, people who inject drugs, men who have sex with men, people with human immunodeficiency virus (HIV), and the sex partners or household members of people who have HBV infection.
- ዕድሜያቸው ከ18-79 ለሆኑ አዋቂዎች የሄፕታይተስ ሲ ቫይረስ ኢንፌክሽን ምርመራ።
- ዕድሜያቸው ከ50-80 ለሆኑ አዋቂዎች የሳንባ ካንሰር ምርመራ ሀ የ 20 ጥቅል-አመት ማጨስ ታሪክ እና በአሁኑ ጊዜ ማጨስ ወይም ባለፉት 15 ዓመታት ውስጥ አቁመዋል.
የምክር እና ጣልቃገብነቶች
- Skin cancer prevention counseling about minimizing exposure to ultraviolet (UV) radiation for people with fair skin ages 6 months to 24 for young adults, adolescents, children and parents of young children.
- ለአዋቂዎች የትምባሆ ማቆም ጣልቃገብነት.
- Tobacco use prevention education and counseling for school-aged children and adolescents who have not started using tobacco.
- 18 እና ከዚያ በላይ ለሆኑ አዋቂዎች ጤናማ ያልሆነ የአልኮል አጠቃቀም ምርመራ እና ምክር።
Under current law, if you have health insurance and qualify, these preventive services are covered.
ከካንሰር ጋር ያልተያያዙትን ጨምሮ ሙሉውን የአገልግሎት ዝርዝር ያንብቡ። ምክሮች በየጊዜው ይገመገማሉ እና ይሻሻላሉ፣ ስለዚህ ዝርዝሩን ለአሁኑ ስሪት ያረጋግጡ።
በUSPSTF ያልተመከሩ የማጣሪያ ምርመራዎችስ?
The above list highlights routine cancer screenings that must be covered because of the ACA. Private insurers may choose to cover additional services, such as skin cancer checks, prostate cancer screenings or lung cancer screenings for those who quit smoking more than 15 years ago. In addition, screenings that have a “C” grade from the USPSTF may be covered based on your personal or family health history or other risk factors; it’s important to talk to your doctor and check with your insurance plan for more details.
ክፍተቶች አሉ? የተያዘው ምንድን ነው?
Some insurance plans that were in place prior to the passage of the ACA in 2010 may not offer this coverage. Depending on the state you live in, there may be laws that require private insurance companies and state plans, such as Medicaid, to cover some cancer screening services.
To be certain about your coverage, ask your insurance company how much you should expect to pay before you get a screening. In some cases, the results of a screening could change the cost, so ask about this, too.
የኢንሹራንስ እቅዴን ካልገባኝ ምን ማድረግ አለብኝ?
The most helpful action to take may be to call your insurance company. To prepare for the call, have your insurance card or information ready. Take notes during the call and ask clarifying questions, even if it feels like you should already know the answer. You can also call your health care provider’s office for guidance.
ኢንሹራንስ ከሌለኝ ምን ማድረግ አለብኝ?
There are many programs that offer free or low-cost cancer screenings and vaccinations. You can also contact your local hospital or health care facility to ask if they cover routine cancer screening, testing and vaccination through their foundations or outreach programs (including mobile testing).
ያስታውሱ፣ ቀደምት ማወቂያ = የተሻሉ ውጤቶች። ጤናዎን ይቆጣጠሩ እና መደበኛ የካንሰር ምርመራዎችዎን ዛሬ ያቅዱ።