Ingabe I-Medicare Ikhava Izibuko?

-Delile

• Ngabe iMedicare iyazikhokhela izibuko zamehlo?
• Ukusabalala kwe-Medicare Part B
• Ukutholakala kwe-Medicare Advantage
• I-Medigap
• Yini engamboziwe yi-Medicare yombono?
• Ezinye izinketho zokuhlanganisa izibuko zamehlo
• Ukuthatha

• IMedicare ayizikhokheli izibuko zamehlo, ngaphandle kwezingilazi zamehlo ezidingekayo ngemuva kokuhlinzwa kwamehlo.
• Amanye amacebo we-Medicare Advantage anokufakwa kombono, okungakusiza ukukhokhela izibuko zamehlo.
• Kunezinhlangano zomphakathi nezingenzi nzuzo ezingakusiza ukhokhele izibuko zamehlo namalensi.

I-Medicare ngokwesiko ayihlanganisi izinsizakalo zombono ojwayelekile, kufaka phakathi ukukhokhela izibuko zamehlo namalensi wokuxhumana. Vele kukhona okuhlukile, kufaka phakathi uma unecebo le-Medicare Advantage elinikeza ukumbozwa kombono. Qhubeka ufunde ukuze uthole ukuthi ungaluthola kanjani usizo lokukhokhela izingilazi.

Ngabe iMedicare iyazikhokhela izibuko zamehlo?

Njengomthetho ojwayelekile, iMedicare yasekuqaleni ayizikhokheli izibuko zamehlo. Lokhu kusho ukuthi uma udinga ingilazi entsha, cishe uzokhokha amaphesenti ayi-100 wezindleko ephuma ephaketheni.

Kodwa-ke, kukhona okunye okwehlukile uma une-Medicare Advantage noma ngemuva kokuhlinzwa nge-cataract. Sizohlola imininingwane yalokhu okuhlukile ngokulandelayo.

Ukusabalala kwe-Medicare Part B

I-Medicare Part B (ukumbozwa kwezokwelapha) izokhokhela amalensi e-eyeglass okulungisa ngemuva kokuthi uhlinzwe ngamehlo ngofakelo lwamalensi we-intraocular.

Kodwa-ke, lokhu akusho ukuthi izibuko zakho zikhululekile ngokuphelele. Uzokhokha amaphesenti angama-20 ezindleko zezingilazi zakho zamehlo, bese kudonswa iNgxenye B yakho. Izimo ezimbalwa zifaka:

• uzokhokha izindleko ezingeziwe kuzimele ezithuthukisiwe
• kufanele uthenge izibuko zamehlo kumhlinzeki obhalise nge-Medicare

Uma ulahlekelwa noma wephuka lezi zibuko, abakwaMedicare ngeke bakhokhele ezintsha. I-Medicare ikhokhela kuphela izibuko ezimbili ezintsha zamehlo impilo yakho yonke, ngeso ngalinye ohlinzwayo kulo. Ngakho-ke, uma uhlinzwa ukulungisa iso elilodwa, ungathola izibuko zamehlo ngaleso sikhathi. Uma uhlinzwa ngamehlo kwesinye isikhathi esikhathini esizayo, ungathola ezinye izibuko zamehlo ezintsha.

Ukutholakala kwe-Medicare Advantage

I-Medicare Advantage (noma i-Medicare Part C) ingenye ye-Medicare yasekuqaleni lapho ukhetha khona inkampani yangasese yomshuwalense ukufeza izinzuzo zakho ze-Medicare. Uhlelo lwe-Medicare Advantage kumele lunikele ngakho konke okwenziwa yi-Medicare yasekuqaleni, kanti ezinye izinhlelo zandisa ukumbozwa kwazo ukufaka ukunakekelwa kwamazinyo, ukuzwa noma umbono.

Ngenkathi i-Medicare Advantage inganikela ngemihlomulo ethile yombono, kusekhona izindleko ezingaphandle kwephaketheni. Ngokusho kocwaningo lwamuva nje, abakwaMedicare Advantage ababhalisa ngokufakwa kombono basakhokha cishe amaphesenti angama-62 ezindleko ezihambisana nokusebenzisa kwabo umbono.

Uma une-Medicare Advantage enombono, kubalulekile ukusebenzisa abahlinzeki be-in-network ukunakekelwa kombono wakho. Uhlelo lwakho kungenzeka futhi ukuthi luthande abahlinzeki bezibuko zamehlo namalensi. Ukukhetha ohlwini lwabahlinzeki abagunyaziwe kuzokusiza ukuthi uthole ukonga izindleko ezinkulu kakhulu.

Uma ukhetha uhlelo lwe-Medicare Advantage ngokumbozwa kombono, i-premium yakho noma idonswa ingaphakama kancane. Ukumbozwa kombono wakho kungadinga nokukhokhwa kwemali yezinsizakalo zombono nokuthengwa kwezibuko zamehlo. Ngezinye izinhlelo, kufanele uhlangane nemali yakho oyidonsi ngaphambi kokuthi uhlelo lwakho lukhokhe ingxenye ethile yezinsizakalo zakho zombono. Kodwa-ke, uma ucabanga ukuthi uzodinga izinsizakalo zokubona njalo, uhlelo olunemibono yombono lungakongela imali ngokuhamba kwesikhathi.

Ukuthola uhlelo lweMedicare Advantage olunikeza ukumbozwa kombono, ungasebenzisa ithuluzi lokusesha le-Find a Medicare Plan. Ungaxhumana futhi nezinhlelo nezinkampani zeMedicare Advantage ngqo ukubuza imibuzo ngokutholakala kombono wabo.

I-Medigap

I-Medicare supplement yomshuwalense, noma iMedigap, iyinqubomgomo yomshuwalense eyengeziwe ongayithenga uma unayo iMedicare yangempela. Ngenkathi iMedigap ingasiza ukukhokhela izindleko zokuphuma ephaketheni ezihlotshaniswa nezingxenye ze-Medicare A no-B, ezinjengezimali zemali nokudonswayo, ngeke kusize ukukhokhela "okungeziwe" njengokunakekelwa kombono.

Yini engamboziwe yi-Medicare yombono?

I-Medicare ayihlanganisi izinsizakalo ezilandelayo ezihlobene nokunakekelwa kombono:

• izivivinyo zamehlo ezijwayelekile
• ukuthengwa kwezibuko zamehlo
• ukuthengwa kwelensi yokuxhumana
• ukuthengwa kwamalensi athuthukisiwe

Kodwa-ke, iMedicare Part B iyakufihla ukuhlolwa kwemibono, kufaka phakathi ukuhlolwa kwe-glaucoma minyaka yonke kulabo abasengozini nokuhlolwa kwamehlo kwaminyaka yonke kulabo abanesifo sikashukela sokuthola isifo sikashukela. I-Medicare ibuye ihlanganise nokuhlinzwa kwe-cataract.

Ezinye izinketho zokuhlanganisa izibuko zamehlo

Kunezinhlangano eziningana ezingasiza ngezindleko zezingilazi zakho nokunakekelwa kombono. Ezinye izibonelo zifaka:

• Ukuthatha

  I-Medicare ayinikezi ukumbozwa okuphelele kombono, kufaka phakathi ukukhokhela izibuko zamehlo. Imvamisa ihlanganisa izinsizakalo zezokwelapha ezihlobene nombono, njengokuhlolwa kwe-retinopathy yesifo sikashukela noma i-glaucoma.

  Uma wena noma othandekayo ungasebenzisa usizo ukuthenga izibuko zamehlo, kunezinhlangano eziningana zomphakathi nezikazwelonke ezinikele ekusizeni ukuhlinzeka ngokunakekelwa kombono.

  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.