Ngaba iilensi zoqhakamshelwano zivala iiLens?

Umxholo

• Ngaba i-Medicare igubungela iilensi zonxibelelwano?
• Icandelo le-Medicare Icandelo B
• Icandelo le-C
• Iindleko kunye nezinye iindlela zokonga
• Ingcebiso yokhuseleko xa unxibe iilensi zonxibelelwano
• Ukuthatha

• I-Original Medicare ayihlawuli iilensi zonxibelelwano phantsi kweemeko ezininzi.
• Ezinye izicwangciso ze-Medicare Advantage zinokunika iinkonzo zembono.
• Ngamanye amaxesha (njengasemva kotyando lwe-cataract), i-Medicare inokugubungela iindleko zeelensi zonxibelelwano.

I-Medicare yoqobo igubungela iindleko zonyango kunye nezibhedlele, kodwa umbono, amazinyo, kunye nokunyamekela ukuva akuhlali kugutyungelwe. Oku kuthetha ukuba ngekhe ufumane uncedo lwezezimali kwi-Medicare xa kuziwa ekuhlawuleni iilensi zakho zonxibelelwano. Nangona kunjalo, kukho iimeko ezimbalwa, ngakumbi xa une-Medicare Advantage.

Ngaba i-Medicare igubungela iilensi zonxibelelwano?

Ngelixa i-Medicare igubungela iinkonzo ezithile zombono, ayihlali ihlawula iimviwo zamehlo okanye iilensi zonxibelelwano. Ezinye zeenkonzo zembono zeMedicare (iinxalenye A no-B) zinokubandakanya:

• Uvavanyo lwe-glaucoma lonyaka kubantu abasemngciphekweni omkhulu (kubandakanya abo banesifo seswekile okanye imbali yosapho ye-glaucoma)
• Uvavanyo lonyaka lokuvavanya isifo seswekile kwabo banesifo seswekile
• uqhaqho lwamehlo
• kuvavanyo lokuchonga okanye ukuvavanya ukonakala kwe-macular

Icandelo le-Medicare Icandelo B

I-Medicare Icandelo B yinxalenye ye-Medicare egubungela uninzi lweenkonzo zonyango, ezinje ngotyelelo logqirha, izixhobo zonyango ezizinzileyo, kunye neenkonzo zokuthintela. Ayidla ngokugubungela iilensi zonxibelelwano.

Nangona kunjalo, kukho into eyodwa eyahlukileyo. Ukuba uqhaqho lwe-cataract, i-Medicare Part B iya kugubungela iilensi zonxibelelwano zokulungisa emva kotyando lwakho.

Xa utyando lwamehlo, ugqirha wamehlo uza kufaka ilensi ye-intraocular, enokuthi ngamanye amaxesha itshintshe umbono wakho. Ngenxa yoko, uya kudinga iilensi zonxibelelwano ezintsha okanye iiglasi zamehlo ukulungisa umbono wakho. Nokuba sele unxibe iiglasi, amathuba okuba ufune iphepha elitsha.

Kubalulekile ukuba uyazi ukuba i-Medicare iya kuhlawula iilensi zoqhakamshelwano ezintsha emva kotyando ngalunye lwamehlo kunye nokufakwa kwelensi ye-intraocular. Ngokwesiqhelo, oogqirha wamehlo baya kwenza utyando kwiliso elinye ngexesha. Ukuba wenza utyando ukulungisa iliso lesibini, unokufumana enye incwadi yelensi yokunxibelelana ngelo xesha.

Nangona kunjalo, nakule meko, iilensi zonxibelelwano azikho simahla ngokupheleleyo. Uya kuhlawula iipesenti ezingama-20 zexabiso elamkelweyo le-Medicare, kwaye iCandelo B lakho litsale lisebenza.

Kwakhona, kuya kufuneka uqiniseke ukuba uya-odola abafowunelwa kumthengisi ovunyiweyo we-Medicare. Ukuba uhlala u-odola iilensi zakho zonxibelelwano kumthengisi othile, qiniseka ukuba ubuza ukuba bayayamkela na iMedicare. Ukuba akunjalo, kusenokufuneka ufumane umthengisi omtsha.

Icandelo le-C

Uncedo lweMedicare okanye iMedicare Icandelo C yenye indlela yentsusa yeMedicare edibanisa iCandelo A kunye neCandelo B. Ukutsala ababhalisile, uninzi lwezicwangciso zeMedicare Advantage ziya kubonelela ngamazinyo, ukuva, umbono, kunye nezibonelelo zomzimba.

Izicwangciso ze-Medicare ze-Advantage ziyahluka kakhulu kumbono wokubonelela ababonelelayo. Ngokomphando ka-2016, abo banombono wokubhengezwa kwe-Medicare Advantage bahlawulelwa iipesenti ezingama-62 zeendleko ezingaphandle kwe-pocket zokunakekelwa kombono.

Imizekelo yeenkonzo ze-Medicare Advantage plans zingabandakanya ezinxulumene nombono zibandakanya:

• iimviwo zamehlo eziqhelekileyo
• iimviwo zesakhelo esifanelekileyo okanye imiyalelo yoqhakamshelwano lweelensi
• iindleko okanye iikopi zeelensi zonxibelelwano okanye iiglasi zamehlo

Izicwangciso ze-Medicare ze-Advantage zihlala zibhekiselele kwingingqi kuba ezininzi zibandakanya ukusetyenziswa kwabanikezeli benethiwekhi. Ukukhangela izicwangciso ezikhoyo kwindawo yakho, ndwendwela i-Medicare.gov's Fumana isixhobo soCwangciso lweMedicare.

Ukuba ufumana isicwangciso onomdla kuso, cofa kwindawo ethi "Iinkcukacha Zocwangciso", kwaye uya kubona uluhlu lwezibonelelo, kubandakanya nokugubungela umbono. Rhoqo, kufuneka uthenge abafowunelwa bakho kumboneleli wothungelwano ukuqinisekisa ukuba isicwangciso siya kubagubungela.

Iindleko kunye nezinye iindlela zokonga

Ixabiso eliphakathi leelensi zonxibelelwano ziyahluka. Uluhlu loqhakamshelwano kwiimpawu ezivela kwiilensi ezilahlwayo zemihla ngemihla (ezibiza kakhulu) kwezo zilungisa i-astigmatism okanye zisebenze njengee-bifocals. Isibini esisisiseko seelensi zonxibelelwano ezithambileyo ozitshintsha qho emva kweeveki ezi-2 zihlala zibiza malunga ne- $ 22 ukuya kwi- $ 26 kwibhokisi yeebhangqa ezintandathu. Xa uqwalasela iindleko ngeliso ngalinye, uhlala uchitha malunga ne- $ 440 ukuya kwi-520 yeedola kwiilensi zonxibelelwano zodwa ngonyaka.

Uya kuhlawula izincedisi ezikunceda ukhathalele abafowunelwa bakho. Oku kunokubandakanya iimeko zeelensi zonxibelelwano, izisombululo zeelensi zonxibelelwano, kunye nokwehla kwamehlo ukuba unamehlo owomileyo.

Sinyanisekile: Kunzima kancinci ukufumana uncedo lokuhlawulela abafowunelwa xa kuthelekiswa neiglasi zamehlo xa uneemfuno zombono. Ngenxa yokuba iiglasi zihlala ixesha elide kunabafowunelwa kwaye zinokusetyenziswa kwaye zisetyenziswe kwakhona kwizinto ezinikelweyo kukho imibutho emininzi enokukunceda ufumane iiglasi zamehlo zasimahla okanye zexabiso eliphantsi. Nangona kunjalo, ungagcina imali kubafowunelwa bakho ngezi ndlela:

• Myalelo kwi-intanethi. Uninzi lwabathengisi beelensi ezikwi-Intanethi babonelela ngendleko zokonga xa kuthelekiswa noku-odola kwivenkile ethengisa izinto ezithengisayo. Qiniseka nje ukuba usebenzisa umthombo we-Intanethi owaziwayo. Unokucela nevenkile yakho oyikhethileyo ukuba iya kuthelekisa amaxabiso akwi-Intanethi.
• Ukuthenga unikezelo lonyaka. Nangona kukho iindleko eziphezulu eziphambili, ukuthenga unikezelo lonyaka lwabafowunelwa kuhlala kunika eyona ndleko iphantsi ekugqibeleni. Oku kuyinyani ngakumbi xa u-odola kubathengisi abakwi-Intanethi.
• Jonga ukufaneleka kweMedicaid. I-Medicaid yinkqubo yokusebenzisana kunye neyaseburhulumenteni enikezela ngoncedo lwezezimali kwinani leendleko zonyango, kubandakanya umbono kunye neelensi zonxibelelwano. Ulungelelwaniso luhlala lusekwe kwingeniso, kwaye unokujonga ukufaneleka kwakho okanye ufunde indlela yokufaka isicelo kwiwebhusayithi yeMedicaid.

Ingcebiso yokhuseleko xa unxibe iilensi zonxibelelwano

Xa ufumana abafowunelwa bakho, kubalulekile ukuba ubasebenzise njengoko kuyalelwe. Ukunxiba ixesha elide kunokucetyiswa kunokunyusa umngcipheko wosulelo lwamehlo, olunokubiza kakhulu ukunyanga kunye nobuhlungu.

Ukuthatha

• I-Medicare yoqobo ayizukuhlawula iilensi zonxibelelwano ngaphandle kokuba uqhaqho nje lwamehlo.
• Izicwangciso ze-Medicare Advantage zinokubonelela ngombono wokuhlawula ohlawulela bonke okanye isahlulo soqhakamshelwano lwakho.
• Ukuba ufanelekile, iMedicaid inokukunceda ukuhlawulela iilensi zakho zonxibelelwano.

Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.

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