Ngaba amayeza ayayigubungela iiglasi?

Umxholo

• Ngaba i-Medicare ihlawula iiglasi zamehlo?
• Icandelo le-Medicare Icandelo B
• Uncedo lweMedicare
• IMedigap
• Yintoni engagutyungelwanga yiMedicare yombono?
• Olunye ukhetho lokugubungela iiglasi zamehlo
• Ukuthatha

• I-Medicare ayihlawuleli iiglasi zamehlo, ngaphandle kwezibuko zamehlo ezifunekayo emva kotyando lwekati.
• Ezinye izicwangciso ze-Medicare Advantage zinombono wokubonwa, onokukunceda uhlawule iiglasi zamehlo.
• Kukho imibutho yoluntu kunye nengenzi nzuzo enokukunceda ubhatalele iiglasi zamehlo kunye neelensi.

I-Medicare ayihlali igubungela iinkonzo zombono eziqhelekileyo, kubandakanya ukuhlawulela iiglasi zamehlo kunye neelensi zonxibelelwano. Ewe kunjalo, kukho ezinye izinto ngaphandle, kubandakanya ukuba unesicwangciso seMedical Advantage esibonelela ngombono. Qhubeka ufunda ukuze ufumane ukuba ungalufumana njani uncedo lokuhlawula iiglasi.

Ngaba i-Medicare ihlawula iiglasi zamehlo?

Njengomgaqo oqhelekileyo, i-Medicare yoqobo ayihlawuleli iiglasi zamehlo. Oku kuthetha ukuba ukuba ufuna iiglasi ezimbini, uya kuhlawula iipesenti ezili-100 zeendleko ziphuma epokothweni.

Nangona kunjalo, kukho ezinye iimeko ukuba unayo i-Medicare Advantage okanye emva kokuba uqhaqho lwe-cataract. Siza kuvavanya iinkcukacha zolu khetho lulandelayo.

Icandelo le-Medicare Icandelo B

Icandelo lonyango i-Medicare Part B (ukogquma ezonyango) liya kuhlawulela iilensi zeglasi yamehlo yokulungisa emva kokuba uqhaqho lwamehlo kunye nokufakwa kwelensi yangaphakathi.

Nangona kunjalo, oku akuthethi ukuba iiglasi zakho zikhululekile ngokupheleleyo. Uya kuhlawula iipesenti ezingama-20 zeendleko kwiiglasi zakho zamehlo, kwaye iCandelo B lakho litsale lisebenza. Imigaqo embalwa ibandakanya:

• uya kuhlawula iindleko ezongezelelweyo kwizakhelo eziphuculweyo
• Kuya kufuneka uthenge iiglasi zamehlo kumthengisi obhalise kwi-Medicare

Ukuba ulahlekile okanye wophula ezi glasi, i-Medicare ayizukuhlawulela ezintsha. I-Medicare ihlawula kuphela isibini esitsha seeglasi ngexesha lokuphila, ngeliso ngalinye utyando. Ke, ukuba wenza utyando ukulungisa iliso elinye, unokufumana iiglasi zamehlo ngelo xesha. Ukuba unokuhlinzwa ngakwelinye iliso ngelinye ixesha, unokufumana enye iindondo ezintsha zamehlo.

Uncedo lweMedicare

I-Medicare Advantage (okanye i-Medicare Part C) yenye ye-Medicare yoqobo apho ukhetha inkampani ye-inshurensi yabucala ukufezekisa izibonelelo zakho zeMedicare. Isicwangciso soNcedo lweMedare kufuneka sinikeze yonke into eyenziwa yi-Medicare yasekuqaleni, kwaye ezinye izicwangciso zandisa ukukhutshwa kwazo ukubandakanya ukunakekelwa kwamazinyo, ukuva okanye umbono.

Ngelixa i-Medicare Advantage inokubonelela ngezibonelelo ezithile zombono, kusekho iindleko eziphuma epokothweni. Ngokophando lwakutsha nje, i-Medicare Advantage ibhalise ngokubhengezwa kombono isabhatalwa malunga neepesenti ezingama-62 zeendleko ezinxulumene nokuchitha kwabo umbono.

Ukuba unayo i-Medicare Advantage enombono wokugubungela umbono, kubalulekile ukusebenzisa ababoneleli benethiwekhi ngenkathalo yakho yombono. Isicwangciso sakho sinokukhetha ababoneleli ngeglasi yamehlo kunye neelensi. Ukukhetha kuluhlu lwababoneleli abavunyiweyo kuya kukunceda ufumane eyona ndleko iphambili yokonga.

Ukuba ukhetha isicwangciso se-Medicare Advantage ngokubhengezwa kombono, i-premium yakho okanye i-deductible ingaba phezulu. Ukugubungela umbono wakho kunokufuna ukuhlawulwa kwemali yeenkonzo zombono kunye nokuthengwa kweiglasi zamehlo. Ngezinye izicwangciso, kufuneka uhlangane nokutsalwa kwakho ngaphambi kokuba isicwangciso sakho sihlawule inxalenye yeenkonzo zakho zombono. Nangona kunjalo, ukuba ucinga ukuba uyakufuna iinkonzo zembono rhoqo, isicwangciso esinombono wokugcina sinokugcina imali ekuhambeni kwexesha.

Ukufumana isicwangciso seMedicare Advantage esibonelela ngombono, ungasebenzisa isiKhangeli sokuKhangela isixhobo seMedare. Unokuqhagamshelana nezicwangciso ze-Medicare Advantage kunye neenkampani ngokuthe ngqo ukubuza imibuzo malunga nombono wabo.

IMedigap

I-inshurensi yokuncedisa i-Medicare, okanye iMedigap, ngumgaqo-nkqubo we-inshurensi oncedisayo onokuyithenga ukuba unayo iMedicare yoqobo. Ngelixa iMedigap inokunceda ukuhlawulela iindleko zokuphuma epokothweni ezinxulunyaniswa namalungu e-Medicare A kunye no-B, anje ngeemali zemali kunye nezinto ezitsaliweyo, ayizukunceda ukuhlawulela "izinto ezingaphezulu" njengokukhathalela umbono.

Yintoni engagutyungelwanga yiMedicare yombono?

I-Medicare ayigubungeli ezi nkonzo zilandelayo ezinxulumene nokunakekelwa kombono:

• iimviwo zamehlo eziqhelekileyo
• ukuthengwa kweiglasi zamehlo
• ukuthengwa kweelensi zonxibelelwano
• ukuthengwa kweelensi eziphuculweyo

Nangona kunjalo, icandelo leMedicare B liyayigubungela imiboniso ethile, kubandakanya uvavanyo lweglaucoma lonyaka kwabo basemngciphekweni kunye novavanyo lwamehlo lonyaka kwabo banesifo seswekile kwi-retinopathy yeswekile. I-Medicare ikwagubungela utyando lwamehlo.

Olunye ukhetho lokugubungela iiglasi zamehlo

Kukho imibutho eliqela enokukunceda ngeendleko zezibuko zamehlo kunye nokhathalelo lombono. Eminye imizekelo ibandakanya:

• Ukuthatha

  I-Medicare ayiboneleli ngombono obanzi, kubandakanya ukuhlawulela iiglasi zamehlo. Ihlala igubungela iinkonzo zonyango ezinxulumene nombono, ezinje ngokuvavanywa kwesifo seswekile okanye i-glaucoma.

  Ukuba wena okanye umntu omthandayo unokusebenzisa uncedo ekuthengeni iiglasi zamehlo, kukho imibutho emininzi yoluntu kunye neyelizwe ezinikele ekuncedeni ukubonelela ngononophelo.

  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.