Ngabe i-Medicare Cover Cover lens?

-Delile

• Ngabe i-Medicare ihlanganisa amalensi wokuxhumana?
• Ukusabalala kwe-Medicare Part B
• Ukuhlanganiswa kwengxenye C
• Izindleko nezinye izinketho zokonga
• Ithiphu yokuphepha yokugqoka amalensi wokuxhumana
• Ukuthatha

• I-Original Medicare ayikhokhi amalensi wokuxhumana ngaphansi kwezimo eziningi.
• Ezinye izinhlelo ze-Medicare Advantage zinganikeza izinsizakalo zombono.
• Kwezinye izimo (njengasemuva kokuhlinzwa kwe-cataract), i-Medicare ingafaka izindleko zelensi yokuxhumana.

I-Original Medicare ihlanganisa izindleko zezokwelapha nezezibhedlela, kodwa ukunakekelwa kwamehlo, kwamazinyo, nokuzwa akuvalwa njalo. Lokhu kusho ukuthi kungenzeka ungalutholi usizo lwezezimali ku-Medicare uma kukhulunywa ngokukhokhela amalensi wakho oxhumana nawo. Kodwa-ke, kukhona okumbalwa okuhlukile, ikakhulukazi uma une-Medicare Advantage.

Ngabe i-Medicare ihlanganisa amalensi wokuxhumana?

Ngenkathi iMedicare ihlanganisa ezinye izinsizakalo zombono, akuvame ukukhokhela izivivinyo zamehlo noma amalensi wokuxhumana. Ezinye zezinsizakalo zombono iMedicare yangempela (izingxenye A no-B) zingabandakanya kufaka phakathi:

• ukuhlolwa kweglaucoma minyaka yonke kwabantu abasengozini enkulu (kufaka phakathi labo abanesifo sikashukela noma umlando womndeni we-glaucoma)
• ukuhlolwa kwaminyaka yonke kokuhlola ukutholakala kwesifo sikashukela kulabo abanesifo sikashukela
• ukuhlinzwa ngamehlo
• ukuhlolwa kokuxilongwa noma ukuhlolwa kokuwohloka kwe-macular

Ukusabalala kwe-Medicare Part B

I-Medicare Part B yingxenye yeMedicare ehlanganisa izinsizakalo eziningi zezokwelapha, njengokuvakasha kukadokotela, imishini yezokwelapha ehlala njalo, kanye nezinsizakalo zokuvimbela. Akuvamisile ukumboza amalensi wokuxhumana.

Noma kunjalo, kunokwehluka okukodwa. Uma uhlinzeka nge-cataract, i-Medicare Part B izomboza amalensi wokuxhumana wokulungisa ngemuva kokuhlinzwa kwakho.

Lapho uhlinzwa ngamehlo, udokotela wamehlo wakho uzofaka ilensi ye-intraocular, engashintsha umbono wakho kwesinye isikhathi. Ngenxa yalokho, uzodinga amalensi amasha oxhumana nabo noma izibuko zamehlo ukulungisa umbono wakho. Noma ngabe ugqoke izibuko vele, maningi amathuba okuthi uzodinga incwadi kadokotela entsha.

Kubalulekile ukwazi ukuthi iMedicare izokhokhela amalensi amasha oxhumana nawo ngemuva kokuhlinzwa ngakunye kwe-cataract ngokufakwa kwamalensi we-intraocular. Imvamisa, odokotela bamehlo bazokwenza kuphela ukuhlinzeka iso elilodwa ngasikhathi. Uma uhlinzwa ukulungisa iso lesibili, ungathola omunye umuthi wokutholwa kwelensi yokuxhumana ngaleso sikhathi.

Kodwa-ke, noma kulesi simo, ama-lens wokuxhumana awakhululekile ngokuphelele. Uzokhokha amaphesenti angama-20 emali evunyelwe yi-Medicare, bese kudonswa iNgxenye B yakho.

Futhi, kuzofanele uqiniseke ukuthi u-oda othintana nabo kumhlinzeki ovunyelwe yi-Medicare. Uma ujwayele uku-oda amalensi wakho wokuxhumana kumphakeli othile, qiniseka ukuthi ubuza ukuthi bayayamukela yini iMedicare. Uma kungenjalo, ungadinga ukuthola umphakeli omusha.

Ukuhlanganiswa kwengxenye C

I-Medicare Advantage noma i-Medicare Part C ingenye ye-Medicare yasekuqaleni ehlanganisa i-Part A ne-Part B. Ukuheha ababhalisile, izinhlelo eziningi ze-Medicare Advantage zizohlinzeka ngamazinyo, ukuzwa, umbono, kanye nezinzuzo zempilo.

Izinhlelo zeMedicare Advantage zingahluka kakhulu ekubonelweni kombono abakunikezayo. Ngokusho kocwaningo lwango-2016, labo abane-Medicare Advantage vision coverage basakhokhela amaphesenti angama-62 ezindleko ezingaphandle kwesikhwama zokunakekelwa kombono.

Izibonelo zezinsizakalo Amapulani we-Medicare Advantage angahlanganisa ahlobene nombono afaka:

• izivivinyo zamehlo ezijwayelekile
• izivivinyo zezinhlaka ezilinganayo noma imiyalo yokuxhumana nelensi
• izindleko noma ukukhokhelwa kwamalensi noma izibuko zamehlo

Izinhlelo zeMedicare Advantage zivame ukubhekiswa esifundeni ngoba eziningi zibandakanya ukusetshenziswa kwabahlinzeki abakwi-inethiwekhi. Ukuze useshe izinhlelo ezitholakalayo endaweni yangakini, vakashela ithuluzi elithi Medicare.gov's Find a Medicare Plan.

Uma uthola uhlelo onentshisekelo kulo, chofoza kunkinobho ethi “Hlela Imininingwane”, futhi uzobona uhlu lwezinzuzo, kufaka phakathi ukumbozwa kombono. Imvamisa, kuyadingeka ukuthi uthenge oxhumana nabo kumhlinzeki okuphakathi kwenethiwekhi ukuqinisekisa ukuthi uhlelo luzobakhokhela.

Izindleko nezinye izinketho zokonga

Izindleko ezijwayelekile zamalensi wokuxhumana zingahluka. Oxhumana nabo bahluka kuzici ezivela kumalensi alahlwayo nsuku zonke (abiza kakhulu) kulabo abalungisa i-astigmatism noma abasebenza njengama-bifocals. Amalensi wokuxhumana athambile owafakela indawo njalo emavikini ama-2 ngokuvamile abiza cishe ama- $ 22 kuye ku- $ 26 ngebhokisi lamabhangqa ayisithupha. Uma ubheka izindleko ngeso ngalinye, uvamise ukuchitha cishe ama- $ 440 kuya ku- $ 520 kuma-contact lens wodwa ngonyaka.

Uzokhokhela nezinsiza ezikusiza ukuthi unakekele oxhumana nabo. Lokhu kungafaka amacala elensi yokuxhumana, izixazululo zelensi yokuxhumana, namaconsi wamehlo uma unamehlo omile.

Sizothembeka: Kunzima kancane ukuthola usizo lokukhokhela oxhumana nabo ngokuqhathaniswa nezibuko zamehlo uma unezidingo zombono. Ngoba izibuko zihlala isikhathi eside ukwedlula oxhumana nabo futhi zingasetshenziswa futhi zisetshenziswe ezintweni ezinikelwayo kunezinhlangano eziningi ezingakusiza ukuthi uthole izibuko zamehlo zamahhala noma eziphansi. Noma kunjalo, ungonga imali koxhumana nabo ngalezi zindlela:

• Oda ku-inthanethi. Abathengisi abaningi belensi yokuxhumana online banikela ngokulondolozwa kwezindleko uma kuqhathaniswa noku-oda esitolo sokuthengisa. Vele uqiniseke ukuthi usebenzisa umthombo we-inthanethi owaziwayo. Ungabuza futhi isitolo sakho ozikhethelayo ukuthi sizofanisa amanani entengo aku-inthanethi.
• Thenga okuphakelayo ngonyaka. Yize kunezindleko eziphakeme kakhulu ngaphambili, ukuthenga ukunikezwa konyaka koxhumana nabo kuvame ukunikeza izindleko eziphansi ekugcineni. Lokhu kuyiqiniso ikakhulukazi lapho u-oda kubathengisi abaku-inthanethi.
• Bheka ukufaneleka kweMedicaid. I-Medicaid wuhlelo lokusebenzisana lukahulumeni nolwesifundazwe olunikeza usizo lwezezimali ngezindleko eziningi zokwelashwa, kufaka phakathi ama-lens wokubuka nawokuxhumana. Ukufaneleka kuvame ukususelwa kumholo, futhi ungabheka ukufaneleka kwakho noma ufunde ukuthi ungasifaka kanjani isicelo kuwebhusayithi yeMedicaid.

Ithiphu yokuphepha yokugqoka amalensi wokuxhumana

Lapho uthola oxhumana nabo, kubalulekile ukuthi ubasebenzise njengoba kuqondisiwe. Ukuzigqoka isikhathi eside kunokunconywa kungakhuphula ubungozi bokutheleleka ngamehlo, okungabiza ukwelapha nobuhlungu.

Ukuthatha

• I-Original Medicare ngeke ikhokhele amalensi wokuxhumana ngaphandle kokuthi usanda kuhlinzwa ikhathakhatha.
• Izinhlelo zeMedicare Advantage zinganikeza ukumbozwa kombono okukhokhela bonke noma ingxenye yoxhumana nabo.
• Uma ufaneleka, iMedicaid ingasiza ukukhokhela amalensi wakho oxhumana nawo.

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.

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