Medicare Inovhara Cataract Kuvhiya?

Zvemukati

• Chii chinonzi cataract kuvhiya?
• Ndeupi mutengo neMedicare?
• Ndezvipi zvikamu zveMedicare zvinovhara kuvhiya kwemaziso?
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu C
• Medicare Chikamu D
• Medicare yekuwedzera zvirongwa (Medigap)
• Iwe ungaziva sei kuti yako mari ichave yakadii pamberi pekuvhiya kwemaziso?
• Ndezvipi zvimwe zvinhu zvinogona kukanganisa kuti unobhadhara zvakadii?
• Kurwara uye kuvhiya kwemaziso
• Chinokosha

Kuvhiya kwecataract kwakajairika maitiro eziso. Kazhinji kuvhiyiwa kwakachengeteka uye kwakafukidzwa neMedare. Vanopfuura makumi mashanu kubva muzana vevaAmerican makore makumi masere kana kudarika vane cataract kana vakavhiyiwa cataract.

Medicare chirongwa cheHurumende chehurumende chekuchengetedza hutano icho chinofukidza zvido zvehutano zvevanhu vane makore makumi matanhatu nemashanu zvichikwira. Ipo Medicare isinga vharidzire maitiro ekuratidzira kuongororwa, inovhara kuvhiya kwekatsi kune vanhu vanopfuura makore makumi matanhatu nemashanu.

Ungangoda kubhadhara mari yekuwedzera yakadai sechipatara kana yekirinari fizi, zvakabviswa, uye co-pays.

Dzimwe mhando dzeMedicare inishuwarenzi yehutano inogona kuvhara kupfuura mamwe Mhando dzakasiyana dzekuvhiya kwekati kunewo mari dzakasiyana.

Chii chinonzi cataract kuvhiya?

Kune maviri akakosha marudzi ekuvhiya kwemaziso. Medicare inovhara ese maviri ekuvhiya pamwero wakaenzana. Aya marudzi anosanganisira:

• Phacoemulsification. Rudzi urwu runoshandisa ultrasound kuputsa iyo yegore lens isati yabviswa uye intraocular lens (IOL) inoiswa kutsiva lenzi rine makore.
• Yakawedzera. Rudzi urwu runobvisa makore ane makore pachidimbu chimwe, uye iyo IOL inoiswa kutsiva lenzi rine makore.

Chiremba weziso rako anoona kuti ndeupi rudzi rwekuvhiya kwakanakira iwe.

Sekureva kweAmerican Academy yeOphthalmology (AAO) muna 2014, mutengo wakakura wekuvhiya kwemaziso mune rimwe ziso risina inishuwarenzi yaive madhora zviuru zviviri nemazana mashanu emubhadharo wechiremba, mubhadharo wevarapi vekunze, mubhadharo weanesthesiologist, iyo yekuisa lens, uye mwedzi mitatu yekuchengetwa mushure mekuvhiya.

Zvisinei, izvi zviyero zvichasiyana nehurumende uye zvakanangana nemamiriro emunhu uye zvinodiwa.

Ndeupi mutengo neMedicare?

Iko chaiyo mutengo wekuvhiya kwako kwemaziso kunoenderana ne:

• chirongwa chako cheMedare
• mhando yekuvhiya yaunoda
• inotora nguva yakareba sei kuvhiyiwa kwako
• kwaunovhiyiwa (kiriniki kana chipatara)
• zvimwe zvehutano zvaunazvo
• zvinogona kuitika

Mari inofungidzirwa yekuvhiyiwa kwekati inogona kunge iri *:

• Munzvimbo yekuvhiya kana kiriniki, avhareji mutengo wese uri $ 977. Medicare inobhadhara $ 781, uye mutengo wako uri $ 195.
• Muchipatara (dhipatimendi revanorapa varwere), avhareji yemutengo iri $ 1,917. Medicare inobhadhara $ 1,533 uye mutengo wako uri $ 383.

Zvinoenderana neMedicare.gov, mari idzi hadzi sanganisira mari yechiremba kana dzimwe nzira dzinogona kudikanwa. Iwo evhareji yenyika uye anogona kusiyana zvichienderana nenzvimbo.

Ndezvipi zvikamu zveMedicare zvinovhara kuvhiya kwemaziso?

Medicare inovhara yakakosha katsi kuvhiya kusanganisira:

• kubviswa kwemaziso
• lens implantation
• imwe yemagirazi emaziso ekurapa kana seti yemalensi ekutaurirana mushure mekuita

Chekutanga Medicare yakakamurwa kuita zvikamu zvina zvikuru: A, B, C, uye D. Unogona zvakare kutenga chirongwa cheMedigap, kana chinowedzera. Chikamu chega chega chinofukidza imwe mhando yemubhadharo wehutano. Kuvhiya kwako kwemaziso kunogona kuvharwa nezvikamu zvakati wandei zvehurongwa hwako hweMedare.

Medicare Chikamu A

Medicare Chikamu A inovhara inpatient uye zvipatara zvinodhura. Nepo muzviitiko zvakawanda pasina chipatara chakakosha pakuvhiya kwemaziso, kana uchida kupinzwa muchipatara, izvi zvinowira pasi pechikamu cheA chikamu A.

Medicare Chikamu B

Medicare Chikamu B inovhara vekunze uye zvimwe zvekurapa mutengo. Kana iwe uine Original Medicare, yako cataract kuvhiyiwa ichavharwa pasi peChikamu B. Chikamu B zvakare inovhara zvakagadzwa zvechiremba sekuona chiremba weziso rako usati uye mushure mekuvhiya kwemaziso.

Medicare Chikamu C

Medicare Chikamu C (Advantage Plans) inovhara masevhisi mamwechetewo seYakatanga Medicare zvikamu A uye B. Zvichienderana neAdvantage Chirongwa chaunosarudza, zvese kana chikamu chekuvhiya kwako kwemaziso kunozovharwa.

Medicare Chikamu D

Chikamu D chinofukidza mimwe mishonga inonyorwa. Kana iwe uchida mishonga yemushonga mushure mekuvhiyiwa kwemaziso, inogona kuvharwa neMedicare Chikamu D. Kana mushonga wako usiri pane yakatarwa runyorwa, ungatofanira kubhadhara kunze-kwehomwe.

Mimwe mishonga ine chekuita nekuvhiyiwa kwako inogona zvakare kuvharwa nechikamu B kana ichionekwa semari yekurapa. Semuenzaniso, kana iwe uchida kushandisa mamwe madonhwe eziso chete usati wavhiyiwa, anogona kuvharwa neChikamu B.

Medicare yekuwedzera zvirongwa (Medigap)

Medicare yekuwedzera zvirongwa (Medigap) inovhara zvimwe zvinodhura izvo Original Medicare isingaiti. Kana iwe uine chirongwa cheMedigap, fonera mupi wako wezvehutano kuti uone kuti ndedzipi mari dzinovhara. Mamwe marongero eMedigap anovhara zvakabviswa uye vanobhadhara mari yeMedare zvikamu A uye B.

Iwe ungaziva sei kuti yako mari ichave yakadii pamberi pekuvhiya kwemaziso?

Kuti uone izvo zvaungade kubhadhara kunze-kwehomwe kune yako cataract kuvhiyiwa, iwe uchazoda ruzivo kubva kune rako ziso chiremba uye wako Medicare mupi.

Iwe unogona kubvunza chiremba wako kana mupi weinishuwarenzi mibvunzo inotevera kuti ubatsire kuona yako yekunze-kwehomwe mari yekuvhiya kwemaziso:

• Unogamuchira Medicare here?
• Maitiro acho anoitwa kunzvimbo yekuvhiya kana kuchipatara?
• Ini ndichave ndiri inpatient kana ari outpatient wekuvhiya uku?
• Ndeapi mishonga yemishonga yandinoda ndisati ndavhiya uye mushure mekuvhiya kwemaziso?
• Ndeipi kodhi yeMedicare kana zita chairo remaitiro aurikuda kuita? (Unogona kushandisa kodhi iyi kana zita kutarisa kumusoro pamutengo wekutarisa mutengo weMedicare.)

Chiremba wako anogona kunge achikwanisa kukuudza kuti zviyero zvipi zvekuvhiyiwa kwako zvakavharwa uye nezvauchakwereta kunze-kwehomwe.

Kana iwe wakatenga Medicare Advantage kana imwe hurongwa kuburikidza neyako wega inishuwarenzi mupi, wako mupi anogona kukuudza iwe zvaunotarisirwa kunze-kwehomwe mari.

Ndezvipi zvimwe zvinhu zvinogona kukanganisa kuti unobhadhara zvakadii?

Mari chaiyo yauchabhadhara kunze-kwehomwe ichaverengerwa neako Medicare kufukidza uye zvirongwa zvaunosarudza. Zvimwe zvinhu zvekufukidza izvo zvinozoona yako yekunze-kwehomwe mari inosanganisira:

• yako Medicare inoronga
• ako anoderedzwa
• miganhu yako yekubuda muhomwe
• kana uine imwe inishuwarenzi yehutano
• kana uine Medicaid
• kana Medicare Chikamu D ichivhara mishonga yaunoda
• kana iwe uine zvimwe zvehutano zvinoita kuti maitiro acho awedzere kuoma

Kana iwe uri murwi, wako VA mabhenefiti anogona kunge ari anodhura pakuvhiya kwekatsi.

Kurwara uye kuvhiya kwemaziso

Cataract inoumba apo iyo yakajeka lens yeziso rako inova yakaoma kana makore. Zviratidzo zvecataract zvinosanganisira:

• makore ekuona
• kusaona kana kuona zvakadzikama
• yakadzima kana yero mavara
• kuona kaviri
• kunetseka kuona husiku
• kuona halos dzakakomberedza mwenje
• kunzwisisika kuchiedza chakajeka uye kupenya
• shanduko pane zvakaratidzwa

Kuvhiya kwecataract kunobvisa iyo yakazara lenzi uye lens nyowani inovhiya yakaiswa. Kuvhiya uku kunoitwa nachiremba anovhiya weziso, kana ophthalmologist. Kuvhiyiwa kweCataract kunowanzoitwa kurapwa kwekunze. Izvi zvinoreva kuti haufanire kugara muchipatara husiku.

Chinokosha

Kuvhiya kwecataract inzira yakajairika iyo yakafukidzwa neMedare. Nekudaro, Medicare haibhadhare zvese uye Medigap inogona kutadza kuitisa zvachose-yemahara kana.

Iwe unogona kubhadhara zvikwereti, co-kubhadhara, co-inshuwarisi, uye mari yepayimusi. Iwe unogona zvakare kuve nemhosva yezvimwe zvinodhura kana iwe uchida kufambira mberi kwekuvhiyiwa kwekati kana uine matambudziko ehutano.

Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.

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