Ukuqonda iMboniselo Yakho Ngaphantsi kweMpilo
Ingaba unenkathazo ekuqondeni izibonelelo zombono ezihambelana nesicwangciso sakho seMedareri ? Abantu abaninzi abaye banandipha iplani yesicwangciso somgangatho njengenxalenye yomsebenzi wabo wepakethe ngexesha lokuphila kwabo abadala abadala bayamangalisa xa bejika iminyaka engama-65 baza baguqula kwi-Medicare kunye nesicwangciso se-inshurensi eyongezelelweyo. Ngelishwa, ukuhlolwa kwemibono epheleleyo yonyaka kunye nama-eyeglass okanye ii-lens zonxibelelwano zingasayi kuba yinxalenye yesicwangciso sabo.
Kodwa ukunakekelwa kwamehlo kubaluleke ngakumbi njengoko sikhula. Imbono yethu ayiguqukanga kuphela, kodwa amathuba okuphucula iimeko okanye izifo zanda.
Akukho Phuhliso lweeMvavanyo zeeNkathazo zamehlo
Izigulane zisoloko ziyamangaliswa xa zibiza ukuba zenze i-aphoyintimenti yovavanyo lwaso lonyaka kwaye zixelele abasebenzi base-ofisi ababhalise kwi-Medicare. Umntu osamkelayo udla ngokuphendula esithi, "Kulungile! Siyabonga ngokusinika olo lwazi. Ndifuna ukukuqaphela ukuba ngoxa i-Medicare ijongene nokunyamekela kwamehlo okufunekayo kunye nokuvakashelwa kweofisi, ayiyi kuhlawula ukuhlolwa kwelanga . "
Ukusabela kwesigulane kudla ngokuba "Yintoni?" Yinyani. I-Medicare ayiyi kuhlola imizekelo yeemviwo, ixesha. I-Medicare yenzelwe enye imigaqo-nkqubo ye-inshorensi yempilo kuba ihlawulela iimviwo zamehlo xa isikhalazo sesigulane okanye ukuxilongwa kwangaphambili kwimeko yonyango . "Ixesha eliqhelekileyo" libonisa ukujonga okulula.
Nangona i-Medicare iqalisa ukuvunywa iinkqubo ezininzi kunye neemviwo eziyimpiliso yezempilo, ngokwenxalenye ininzi, ayifuni iimviwo xa isikhalazo sikhulu, "Ndiyadinga i-trifocals entsha" okanye "Ndifuna ukuhlolwa kombono ."
Ngokomzekelo, masithi ekupheleni koviwo, ugqirha wakho ufumanisa iziganeko ezintathu okanye izifo.
Ukuba uye wangena kwigumbi lokuhlola ngaloo mini "ukuhlola" isohlo kwaye ujonge ukuba ungenayo ingxaki ngamehlo akho, i-Medicare ayiyi kuhlawula loo vavanyo. (I-Medicare, nangona kunjalo, iza kuhlolisisa iimviwo kunye neemvavanyo ukulandela iimeko zamehlo zangaphambili okanye izifo ezithe zafunyanwa.)
Ngaba Yayiphi na Inyameko Yamehlo Ekhutshwe yi-Medicare?
Unokuzibuza ukuba yeyiphi na iliso nombono ojongene nokunyamekelwa ngugqirha we-Medicare kunye nomgaqo-nkqubo wongezelelweyo. Ewe, masithi ushukuthela kwisixeko esitsha uze ufumane ugqirha weziliso ezintsha . Isizathu sokutyelela? Kwiminyaka emibini edlulileyo, ugqirha lakho lokugqibela kwiliso likufumanisa ukuba unesifo sengqondo esincinci kwaye ufumane indawo encinane kwi-retina yakho. Ezi ziyi-diagnostic zezokwelapha kunye nezizathu eziyimfuneko zempilo zokuba nokuhlolwa kwelinye isohlo. Nangona kunjalo, iiglasi zakho ngoku zigugile kwaye zihlukana. Kufuneka uhlolwe umyalelo wakho kwaye ufuna ukutshala kwiqela elitsha lomgca we-line, i-clocal eyeglasses. Kuwe, uhlela uvavanyo lweziliso olulula. Ugqirha wakho, nangona kunjalo, kubonakala into enje:
- 92004 - Uvavanyo lweziliso olunzulu
- 92015 - Ukutshatyalaliswa
"92004" yikhowudi esetyenziswe oogqirha ukuba babonise iinkampani zomshuwalense kunye ne-Medicare ukuba ukuhlolwa kwamehlo okubanzi kwenziwa.
"92015" yikhowudi yokurhoxiswa . Ukurhoxiswa kukumiselwa kwephutha lakho lokukhumbula , okanye umyalelo wakho weiglasi. Ukucinga ukuba i-Medicare imirhumo evumelekileyo yokuhlolwa i-$ 135.00, i-Medicare iya kuhlawula i-80% ye-135.00, eyi-$ 108.00.
I-inshurensi yakho ye-"medigap" eyongezelelweyo, efana ne-AARP okanye i-American Pioneer, iya kubandakanya i-20% eseleyo, okanye i-$ 27.00. Ukuba awunayo i-medigap okanye i-Medicare eyongezelelweyo inshorensi, uya kuba noxanduva lwe $ 27.00. I-Medicare kwaye ezininzi izicwangciso ze-inshorensi ziqwalasela ukukhutshwa komsebenzi ongenanto. (Kulo vavanyo, masithi ugqirha uhlawula i-$ 25 ukukhutshwa, inxalenye yolu vavanyo apho ugqirha okanye ochwephezi abuza "Yiyiphi enye ingcono, enye okanye amabini?") Ngoko ke, kufuneka uhlawule umrhumo wokukhutshwa $ 25.
Ngenxa yoko, iindleko zakho eziphuma ngaphandle kweemviwo zamehlo zi-$ 25 ukuba unesongezelelo, okanye i-$ 52 ukuba awuyi.
Ngaba I-Medicare Ikhupha Iiglasi?
Ngelishwa, i-Medicare iquka kuphela iifowuni ezisisiseko kunye nama-lens ngokulandela utyando lwe-cataract , kunye kuphela kanye ngexesha lokuphila. (I-Medicare ngamanye amaxesha iza kuhlawula kabini ukuba utyando lwe-cataract phakathi kwamehlo amabini luhlukaniswe nobude besikhathi esongezelelweyo.) Ukunceda ngeendleko zeeklasi zakho, akukuze kuphazamise ukubuza umculi wezobugcisa ukuba ube isaphulelo kwiiglasi. Abanye baya kunika isaphulelo kwi-AAA, abemi abakhulu, okanye mhlawumbi isicwangciso sokuphuhlisa esivezwa yi-AARP. Kwakhona, uninzi lwama-opticians luya kuvuyela ukunika isaphulelo se-10 ukuya kwi-20% ukuba unenjongo yokuhlawula iiglasi ngokugcwele ngosuku loviwo.
Iingcali kunye neengxaki zamehlo ezonyango
Nangona i-Medicare ayihlawuli i-annual, ukuhlolwa kwemehlo rhoqo, ukutyelela iofisi yezokwelapha kunye nokuhlolwa kwamehlo kuhlanganiswe. Ukuba unengxaki yamehlo yonyango efana ne- blepharitis okanye i- eye eye syndrome eyomileyo , i-Medicare iya kuhlawulela nayiphi na zonke iindwendwe ezifunekayo zokwelapha ukujongana nengxaki.
ILizwi
Nangona i-Medicare ayifuni ukujonga imibala rhoqo okanye ukuhlolwa kwamehlo rhoqo , ihlawula ukuhlolwa kwezempilo kwe- glaucoma . Ngonyaka ka-2000, i-Medicare yavelisa ikhowudi yokutyelela iofisi ye-glaucoma screenings. Ukuhlolisisa i-glaucoma kungenziwa kwizigulane kanye ngonyaka ngamnye kubantu abanesifo sikashukela, imbali yentsapho ye-glaucoma , abangama-Afrika aseMelika abangaphezu kweminyaka engama-50, kwaye ngubani na ama-Hispanics aneminyaka engama-65 nangaphezulu. I-Glaucoma screenings iqukethe uvavanyo oluxubileyo kunye nomlinganiselo wokunyanzeliswa kwe-intraocular kunye nesibane sokukhanya kwesibane .
Umthombo:
Amaziko e-Medicare neeNkonzo zeMedicaid. IiNcwadi zeMagare. Isebe Lempilo Neenkonzo Zoluntu, 2009.