Kodi Medicare Cover Cover Lens?

Zamkati

• Kodi Medicare imaphimba magalasi olumikizirana?
• Kuphimba kwa Medicare Part B
• Kufotokozera gawo C
• Mtengo ndi zosankha zina
• Malangizo achitetezo povala magalasi olumikizirana
• Kutenga

• Original Medicare salipira magalasi olumikizirana nthawi zambiri.
• Madongosolo ena a Medicare Advantage atha kupereka masomphenya.
• Nthawi zina (monga pambuyo pa opareshoni ya cataract), Medicare imatha kulipira ndalama zama lens.

Medicare Yoyambirira imalipira ndalama zamankhwala ndi zipatala, koma masomphenya, mano, ndi chisamaliro chakumva sizimaphimbidwa kawirikawiri. Izi zikutanthauza kuti mwina simudzalandira thandizo la ndalama kuchokera ku Medicare zikafika pakulipira ma lens omwe mumalumikizana nawo. Komabe, pali zochepa zochepa, makamaka mukakhala ndi Medicare Advantage.

Kodi Medicare imaphimba magalasi olumikizirana?

Ngakhale Medicare imagwira ntchito zowonera, nthawi zambiri sizimalipira mayeso amaso kapena magalasi olumikizirana nawo. Zina mwamawonedwe oyambilira a Medicare (gawo A ndi B) atha kukhala awa:

• kuyesa kwa glaucoma pachaka kwa anthu omwe ali pachiwopsezo chachikulu (kuphatikiza omwe ali ndi matenda ashuga kapena mbiri ya banja ya glaucoma)
• mayeso apachaka oyesa matenda a shuga kwa omwe ali ndi matenda ashuga
• opaleshoni yamaso
• kuyezetsa matenda kapena kuwunika kwa kuchepa kwa macular

Kuphimba kwa Medicare Part B

Medicare Part B ndi gawo la Medicare lomwe limafotokoza zambiri zamankhwala, monga maulendo a dokotala, zida zamankhwala zolimba, ndi ntchito zodzitetezera. Sichikhala ndi magalasi olumikizirana.

Komabe, pali chimodzi chosiyana. Ngati mwachitidwa opareshoni yamaso, Medicare Part B ipanga ma lens awiri olumikizana mukatha opaleshoni.

Mukamachita opaleshoni yamaso, dokotala wanu wamaso amaika mandala a intraocular, omwe nthawi zina amatha kusintha masomphenya anu. Zotsatira zake, mungafunike magalasi atsopano olumikizirana kapena magalasi amaso kuti muwongolere masomphenya anu. Ngakhale mutavala magalasi kale, mwina mungafunike mankhwala atsopano.

Ndikofunika kudziwa kuti Medicare idzalipira magalasi atsopano pakatha opaleshoni iliyonse ya cataract ndikulowetsa mandala a intraocular. Nthawi zambiri, madokotala amaso amangopanga opaleshoni pa diso limodzi nthawi imodzi. Ngati mwachitidwa opareshoni kuti mukonze diso lachiwiri, mutha kupezanso mankhwala ena opatsirana mandala panthawiyo.

Komabe, ngakhale zili choncho, magalasi olumikizirana samakhala mfulu kwathunthu. Mulipira 20% ya ndalama zomwe Medicare imavomereza, ndipo gawo lanu lotulutsidwa limagwira.

Komanso, muyenera kuwonetsetsa kuti mumayitanitsa olumikizana ndi omwe akuvomerezedwa ndi Medicare. Ngati nthawi zambiri mumayitanitsa magalasi anu kuchokera kwa wothandizira wina, onetsetsani kuti mufunse ngati akulandira Medicare. Ngati sichoncho, mungafunike kupeza wogulitsa watsopano.

Kufotokozera gawo C

Medicare Advantage kapena Medicare Part C ndichosiyana ndi choyambirira cha Medicare chomwe chimaphatikiza Gawo A ndi Gawo B. Kuti akope olembetsa, malingaliro ambiri a Medicare Advantage adzakupatsani mano, kumva, masomphenya, komanso phindu la thanzi.

Zolinga za Medicare Advantage zimatha kusiyanasiyana pamawonedwe omwe amapereka. Malinga ndi kafukufuku wa 2016, iwo omwe ali ndi chindapusa cha Medicare Advantage adalipirabe 62% ya ndalama zakunja kwa thumba lakusamalira masomphenya.

Zitsanzo zamapulogalamu a Medicare Advantage mapulani atha kukhala okhudzana ndi masomphenya ndi awa:

• mayeso a diso wamba
• mayeso a mafelemu oyenerera kapena mankhwala olumikizirana ndi mandala
• ndalama kapena zolipiritsa zamagalasi olumikizirana kapena magalasi amaso

Madongosolo a Medicare Advantage nthawi zambiri amakhala okhudzana ndi dera chifukwa ambiri amatanthauza kugwiritsa ntchito omwe amapereka ma intaneti. Kuti mufufuze mapulani omwe alipo mdera lanu, pitani ku Medicare.gov's Pezani chida cha Medicare Plan.

Ngati mupeza pulani yomwe mukufuna, dinani batani la "Plan Details", ndipo muwona mndandanda wazabwino, kuphatikiza kufotokozera masomphenya. Nthawi zambiri, mumayenera kugula ma foni anu kuchokera kwa omwe ali mu intaneti kuti mutsimikizire kuti mapulaniwo adzawaphimba.

Mtengo ndi zosankha zina

Mtengo wapakati wamagalasi olumikizirana amatha kusiyanasiyana. Ma Contacts amalumikizana ndi zinthu zomwe zimatha kutulutsidwa tsiku lililonse (zomwe zimakhala zokwera mtengo kwambiri) kwa zomwe zimakonza astigmatism kapena kukhala ma bifocals. Magalasi olumikizirana ofewa omwe mumalowetsa m'masabata awiri aliwonse nthawi zambiri amawononga $ 22 mpaka $ 26 pa bokosi la awiriawiri. Mukamaganizira za mtengo wa diso, nthawi zambiri mumawononga pafupifupi $ 440 mpaka $ 520 pamagalasi olumikizirana okha pachaka.

Mulipiranso zowonjezera zomwe zimakuthandizani kusamalira omwe mumalumikizana nawo. Izi zitha kuphatikizira ma lens olumikizirana ndi lens, mayankho amakono a mandala, ndi madontho a diso ngati muli ndi maso owuma.

Tidzakhala owona mtima: Zimakhala zovuta pang'ono kupeza thandizo lolipira olumikizana nawo poyerekeza ndi magalasi amaso mukakhala ndi masomphenya. Chifukwa magalasi amatenga nthawi yayitali kuposa olumikizana nawo ndipo atha kugwiritsidwa ntchito ndikugwiritsidwanso ntchito kuchokera pazinthu zoperekedwa pali mabungwe ambiri omwe angakuthandizeni kupeza magalasi amaso aulere kapena otsika mtengo. Komabe, mutha kusunga ndalama pazomwe mumalumikizana nawo kudzera m'njira izi:

• Dulani pa intaneti. Ogulitsa ma lens ambiri pa intaneti amapereka ndalama poyerekeza ndi kuyitanitsa m'malo ogulitsira. Onetsetsani kuti mukugwiritsa ntchito gwero lodziwika bwino pa intaneti. Muthanso kufunsa malo ogulitsira omwe angasankhe ngati angafanane ndi mitengo yapaintaneti.
• Gulani zopereka zapachaka. Ngakhale pamakhala mtengo wokwera kwambiri, kugula malo olumikizirana nawo pachaka kumapereka mtengo wotsika kwambiri pamapeto pake. Izi ndizowona makamaka mukamayitanitsa kuchokera kwa ogulitsa pa intaneti.
• Onani kuyenerera kwa Medicaid. Medicaid ndi pulogalamu yothandizana ndi boma komanso boma yomwe imapereka ndalama zothandizira pazithandizo zingapo zamankhwala, kuphatikiza masomphenya ndi magalasi olumikizirana. Kuyenerera kumakhala ndalama zambiri, ndipo mutha kuwunika kuyenerera kwanu kapena kuphunzira momwe mungagwiritsire ntchito tsamba la Medicaid.

Malangizo achitetezo povala magalasi olumikizirana

Mukalandira anzanu, ndikofunikira kuti muwagwiritse ntchito monga mwalamulo. Kuvala motalikirapo kuposa momwe mungalimbikitsireko kumatha kuwonjezera chiopsezo chanu chotenga matenda amaso, zomwe zingakhale zodula kuchitira komanso zopweteka.

Kutenga

• Medicare yapachiyambi sichilipira magalasi olumikizirana pokhapokha mutangochitidwa opaleshoni yamaso.
• Mapulani a Medicare Advantage atha kukupatsani mwayi wowonera omwe amalipira onse kapena gawo la omwe mumalumikizana nawo.
• Ngati mukuyenerera, Medicaid itha kuthandizanso kulipira magalasi anu olumikizirana.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.

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