Ukuqonda Umbono Wakho Wokuhlela Ngaphansi Komuthi
Ingabe unenkinga yokuqonda izinzuzo zombono ezihambisana ne- Medicare plan? Abantu abaningi abaye bajabulela uhlelo lokubona ikhwalithi njengengxenye yezinzuzo zabasebenzi ngesikhathi sokusebenza komuntu omdala bayamangala lapho bephendukela eminyakeni engama-65 bese beguqulwa ku-Medicare kanye nesicwangciso somshuwalense we-supplemental. Ngeshwa, ukuhlolwa kombono ophelele wonyaka kanye nama-eyeglass noma ama-lens oxhumana nabo angeke abe yingxenye yecebo labo.
Kodwa ukunakekelwa kwamehlo kubaluleke nakakhulu njengoba sikhula. Akuwona nje umbono wethu ovame ukuguquka, kepha amathuba okuthuthukisa isimo sezilonda noma izifo zanda.
Akukho Ukuhlolwa Kwama-Eye Exams Evivinyo
Iziguli zivame ukumangala lapho zibiza ukwenza i-aphoyintimenti yokuhlolwa kwamehlo abo ngonyaka futhi zazise abasebenzi basehhovisi ukuthi babhalise eMedare. Umkamukeli wamukeli uvame ukusabela, "Kulungile, ngiyabonga ngokusinika lolo lwazi. Ngifuna ukukuqaphela ukuthi ngenkathi uMedarele ehlanganisa ukunakekelwa kwamehlo okudingekayo ngokwezempilo kanye nokuvakashelwa kwehhovisi, akukhokhi imali yokuhlolwa kwamehlo . "
Ukusabela kwesiguli ngokuvamile "Kuyini?" Iqiniso. I-Medicare ngeke ihlanganise izivivinyo zombono, isikhathi. I-Medicare iklanyelwe njengezinye izinqubomgomo zomshuwalense wezempilo ngoba zikhokha ukuhlolwa kwezilanga lapho isikhalazo sesiguli noma ukuxilongwa kwangaphambilini kungokwemvelo. "Okuvamile" kusikisela ukuhlola okulula.
Nakuba i-Medicare iqala ukwamukela izinqubo eziningi kanye nokuhlolwa okuyiqiniso ngempela ukuhlolwa kwezempilo, ingxenye enkulu, ayihloli izivivinyo lapho isikhalazo esikhulu sikhuluma, "Ngidinga ama-trifocals amasha" noma "Ngidinga ukuhlolwa kombono ."
Isibonelo, asho ukuthi ekupheleni kokuhlolwa, udokotela wakho uyakukuthola ngezimo ezintathu noma izifo zamehlo ezahlukene.
Uma ngabe ungene ekamelweni lokuhlola ngalolo suku ukuze uhlole ukuhlolwa kwamehlo futhi ubeke ukuthi awunaso izinkinga ngamehlo akho, i-Medicare ngeke ikhokhe lokho kuhlolwa. (Nokho, i-Medicare izobe ihlolisise ukuhlolwa nokuhlolwa okulandelayo ukuze kulandelwe lezo zimo zaso zangaphambili noma izifo ezitholakalayo.)
Ingabe Yimuphi Ukunakekelwa Kwamehlo Okuhlanganiswe Ngu-Medicare?
Ungase uzibuze ukuthi yini ukunakekelwa kwamehlo nombono okuhlanganiswe yi-Medicare kanye nenqubomgomo yakho yokwengeza. Ake sithi ushukuthela edolobheni elisha bese uthola udokotela omusha . Isizathu sokuvakashelwa? Eminyakeni embalwa edlule, udokotela wakho wokugcina wezilanga uthola ukuthi unesifo esibucayi futhi uthole indawo encane ku-retina yakho. Lokho kuyinkinga yezokwelapha kanye nezizathu ezidingekayo zomuthi zokuhlola olunye iso. Nokho, izibuko zakho manje sezidala futhi zihlukana. Udinga ukuba uhlolwe isilondolozi sakho futhi ufuna ukutshala emgqeni omusha we-non-line, ama-eyeglass amaqhubekela phambili. Kuwe, uhlela ukuhlolwa kweso elilula. Kudokotela wakho, noma kunjalo, kubonakala okufana nalokhu:
- 92004 - Ukuhlolisisa amehlo okuphelele
- I-92015 - Ukuqhathaniswa
"92004" yikhodi esetshenziswa odokotela ukubonisa izinkampani zomshuwalense kanye neMedarere ukuthi ukuhlolwa kwamehlo okuphelele kwenziwa.
"I-92015" ikhodi yokukhishwa . Ukugxeka ukuzimisela kwephutha lakho lokuziphendulela , noma umshwalense wakho wezibuko. Ukucabanga ukuthi i-Medicare imali engavumelekile yokuhlolwa i-$ 135.00, i-Medicare izokhipha u-80% we $ 135.00, okungu-$ 108.00.
Umshuwalense wakho we-"medigap" wengeziwe, ofana ne-AARP noma i-American Pioneer, uzohlanganisa 20% asele, noma i-$ 27.00. Uma ungenayo i-medigap noma i-Medicare eyengeziwe yomshuwalense, uzobe unesibopho se-$ 27.00. I-Medicare nezinhlelo eziningi zomshuwalense zicabangela ukukhipha umsebenzi ongenakuhlanganiswa. (Ngalokhu kuhlolwa, ake sithi udokotela uhlawula u-$ 25 ukukhishwa, ingxenye yokuhlolwa lapho udokotela noma ochwepheshe bebuza ukuthi "Yikuphi okungcono, owodwa noma ababili?") Ngakho-ke, kufanele ukhokhe imali yokukhokha $ 25.
Ngenxa yalokho, izindleko zakho zokuphuma ngaphandle kwezokuhlolwa kwamehlo zingama-$ 25 uma unezele, noma i-$ 52 uma ungenayo.
Ingabe Ama-Eye Glass Glass Cover?
Ngeshwa, i-Medicare ihlanganisa kuphela amafreyimu ayisisekelo nama- lens ngokulandela ukuhlinzekwa kwe-cataract , kanye kanye kuphela ngesikhathi sokuphila. (I-Medicare ngezinye izikhathi iyokhokha kabili uma ukuhlinzwa komzimba phakathi kwalawo mahlo kuhlukaniswa ubude besikhathi esithile.) Ukusiza ngezindleko zama-eyeglass akho, akukaze kube buhlungu ukubuza ochwepheshe bezandla zakho ukuba isaphulelo kuzibuko. Abanye bazonikeza isaphulelo se-AAA, izakhamizi eziphakeme, noma mhlawumbe isaphulelo esaphulelo esivezwa yi-AARP. Futhi, iningi lama-opticians lizokujabulela ukukunikeza isaphulelo esingu-10 kuya ku-20% uma uhlose ukukhokha izibuko ngokugcwele ngosuku lokuhlolwa.
Izinkinga ze-Medicare Nezokwelapha
Ngisho noma i-Medicare engakhokhi imali yonyaka, izivivinyo zamehlo ezivamile, ukuvakashelwa kwehhovisi lezokwelapha kanye nokuhlolwa kwamehlo kuhlanganisiwe. Uma unenkinga yezokwelapha njenge- blepharitis noma eyomile iso , i-Medicare izokhokha noma yikuphi ukuvakashelwa kwezokwelapha okudingekayo ukuphatha le nkinga.
Izwi elivela
Nakuba i-Medicare engabheki ukuhlolwa kombono okuvamile noma ukuhlolwa kwamehlo okujwayelekile , ikhokha ukuhlolwa kwezempilo kwe- glaucoma . Ngonyaka ka-2000, i-Medicare yakha ikhodi yokuvakashela ihhovisi ye-glaucoma screenings. Ukuhlolwa kwe-glaucoma kungenziwa ngeziguli kanye ngonyaka kubantu abanesifo sikashukela, umlando womndeni we-glaucoma , abangama-African American abangaphezu kweminyaka engama-50, futhi bangobani aba-Hispanics abaneminyaka engama-65 nangaphezulu. Ukuhlolwa kwe-glaucoma kuqukethe ukuhlolwa okuhlanjululwe ngokulinganisa kwe-intraocular kanye nokuhlolwa kokukhanya kwesibani .
Umthombo:
Amasevisi we-Medicare neMediicaid Services. I-Medicare Coverages. UMnyango wezeMpilo kanye nezinsizakalo zabantu, ngo-2009.