Kodi Medicare Imaphimba Magalasi?

Zamkati

• Kodi Medicare imalipira magalasi amaso?
• Kuphimba kwa Medicare Part B
• Kuphimba kwa Medicare Advantage
• Kusinkhasinkha
• Zomwe sizikuphimbidwa ndi Medicare for vision?
• Zosankha zina zokutira magalasi amaso
• Kutenga

• Medicare salipira magalasi amaso, kupatula magalasi ofunikira pambuyo pa opaleshoni ya cataract.
• Malingaliro ena a Medicare Advantage ali ndi mawonekedwe owonera, omwe angakuthandizeni kulipira magalasi amaso.
• Pali mabungwe ammudzi komanso osapindulitsa omwe angakuthandizeni kulipira magalasi amaso ndi magalasi.

Medicare mwamwambo sikuphimba ntchito zowonera mwachizolowezi, kuphatikiza kulipira magalasi amaso ndi magalasi olumikizirana. Zachidziwikire, pali zina kusiyanasiyana, kuphatikiza ngati muli ndi dongosolo la Medicare Advantage lomwe limapereka chithunzithunzi cha masomphenya. Pitilizani kuwerenga kuti mupeze momwe mungathandizire kulipira magalasi.

Kodi Medicare imalipira magalasi amaso?

Monga mwalamulo, Medicare yoyambirira siyimalipira magalasi amaso. Izi zikutanthauza kuti ngati mukufuna magalasi atsopano, mwachidziwikire mudzalipira 100% ya ndalamazo mthumba.

Komabe, pali zina kupatula ngati muli ndi Medicare Advantage kapena mutatha kuchitidwa opaleshoni yamatenda. Tidzafufuza mwatsatanetsatane zotsatirazi.

Kuphimba kwa Medicare Part B

Medicare Part B (chithandizo chamankhwala) chilipira magalasi owongolera magalasi mutatha kuchitidwa opareshoni yamaso ndi kulowetsa mandala a intraocular.

Komabe, izi sizikutanthauza kuti magalasi anu ndi aulere kwathunthu. Mudzalipira 20% ya mtengo wamagalasi anu amaso, ndipo gawo lanu lotulutsidwa limagwira. Malingaliro angapo ndi awa:

• mulipira ndalama zowonjezera pamafelemu omwe akwezedwa
• muyenera kugula magalasi amaso kuchokera kwa omwe adalembetsa ku Medicare

Mukataya kapena kuthyola magalasi awa, Medicare siyilipira zatsopano. Medicare imangolipira magalasi atsopano m'maso amoyo, pa diso lomwe mumachitidwa opaleshoni. Chifukwa chake, ngati mwachitidwa opareshoni kuti mukonze diso limodzi, mutha kupeza magalasi amaso nthawi imeneyo. Ngati mungapange opaleshoni yamaso pa diso lina nthawi ina, mutha kupezanso magalasi ena atsopano.

Kuphimba kwa Medicare Advantage

Medicare Advantage (kapena Medicare Part C) ndi njira ina m'malo mwa Medicare yoyambirira pomwe mumasankha kampani ya inshuwaransi kuti mukwaniritse phindu lanu la Medicare. Dongosolo la Medicare Advantage liyenera kupereka zonse zoyambirira za Medicare, ndipo mapulani ena amakulitsa zomwe akuphatikizira kuphatikiza mano, kumva, kapena masomphenya.

Ngakhale Medicare Advantage itha kukupatsani masomphenya, pamakhala zotsalira mthumba. Malinga ndi kafukufuku waposachedwa, a Medicare Advantage omwe amalembetsa nawo masomphenya amalipirabe pafupifupi 62% ya ndalama zomwe zimagwiritsidwa ntchito pakuwona kwawo.

Ngati muli ndi Medicare Advantage yokhala ndi masomphenya, ndikofunikira kugwiritsa ntchito omwe amakupatsani maukonde kuti musamalire masomphenya anu. Dongosolo lanu likhozanso kusankha operekera magalasi amaso ndi mandala. Kusankha pamndandanda wa omwe akuvomerezedwa nthawi zambiri kumakuthandizani kuti mupeze ndalama zambiri.

Ngati mutasankha njira ya Medicare Advantage yokhala ndi mawonekedwe owonera, premium yanu kapena deductible itha kukhala yokwera pang'ono. Kuphimba masomphenya kwanu kungathenso kulipiritsa ndalama zothandizira masomphenya ndi kugula kwa magalasi amaso. Ndi mapulani ena, muyenera kukumana ndi ndalama zanu musanapereke gawo lanu la masomphenya. Komabe, ngati mukuganiza kuti mungafune masomphenya pafupipafupi, mapulani okhala ndi masomphenya atha kukupulumutsirani ndalama mtsogolo.

Kuti mupeze dongosolo la Medicare Advantage lomwe limapereka chithunzithunzi cha masomphenya, mutha kugwiritsa ntchito Chida Chofufuzira cha Medicare Plan. Muthanso kulumikizana ndi mapulani ndi makampani a Medicare Advantage kuti mufunse mafunso okhudza momwe akupezera masomphenya.

Kusinkhasinkha

Medicare yowonjezera inshuwaransi, kapena Medigap, ndi inshuwaransi yowonjezera yomwe mungagule ngati muli ndi Medicare yoyambirira. Ngakhale kuti Medigap ingathandize kulipira ndalama zotuluka m'thumba zomwe zimagwirizanitsidwa ndi Medicare magawo A ndi B, monga ndalama zandalama ndi zoperekedwa, sizingathandize kulipira "zowonjezera" monga chisamaliro cha masomphenya.

Zomwe sizikuphimbidwa ndi Medicare for vision?

Medicare sikutanthauza ntchito zotsatirazi zokhudzana ndi chisamaliro cha masomphenya:

• mayeso a diso wamba
• kugula magalasi amaso
• kugula magalasi olumikizirana
• kugula magalasi akweza

Komabe, Medicare Part B imafotokoza za kuwonetseratu masomphenya, kuphatikiza kuyesa kwa glaucoma pachaka kwa iwo omwe ali pachiwopsezo komanso kuyezetsa diso pachaka kwa iwo omwe ali ndi matenda ashuga chifukwa chodwala matenda ashuga. Medicare imakhudzanso opaleshoni ya cataract.

Zosankha zina zokutira magalasi amaso

Pali mabungwe angapo omwe angakuthandizeni pakuwononga magalasi anu ndi chisamaliro cha masomphenya. Zitsanzo zina ndi izi:

• Kutenga

  Medicare siyimapereka chithunzi chonse, kuphatikiza kulipira magalasi amaso. Nthawi zambiri imakhudza chithandizo chamankhwala chokhudzana ndi masomphenya, monga kuyesa kuyezetsa matenda ashuga kapena glaucoma.

  Ngati inu kapena wokondedwa wanu mutha kugwiritsa ntchito thandizo kugula magalasi amaso, pali mabungwe ambiri mderalo komanso mayiko omwe adadzipereka kuthandiza kupereka masomphenya.

  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.