Medicare Inovhara Magirazi here?

Zvemukati

• Medicare inobhadhara magirazi emaziso here?
• Medicare Chikamu B kufukidza
• Medicare Kubatsira kufukidza
• Medigap
• Chii chisingavharirwe neMedare ekuona?
• Dzimwe sarudzo dzekuvhara magirazi emaziso
• Kutora

• Medicare haibhadhare magirazi emaziso, kunze kwemagirazi emaziso anodiwa mushure mekuvhiyiwa kwekatsi.
• Zvimwe zvirongwa zveMedare zvinobatsira zvine chiono chekuvhara, izvo zvinogona kukubatsira iwe kubhadhara magirazi emaziso.
• Kune masangano enharaunda uye asingabatsiri anogona kukubatsira iwe kubhadhara magirazi emaziso uye lenzi.

Medicare haiwanzo kufukidza maitiro ekuona, kusanganisira kubhadhara magirazi emaziso uye malensi ekutaurirana. Ehezve, pane zvimwe zvisirizvo, zvinosanganisira kana iwe uine chirongwa cheMedare Chekupa chinopa kufukidzwa kwekuona. Ramba uchiverenga kuti uone kuti ungawana sei rubatsiro kubhadhara magirazi.

Medicare inobhadhara magirazi emaziso here?

Semutemo wenguva dzose, yekutanga Medicare haibhadhare magirazi emaziso. Izvi zvinoreva kuti kana iwe uchida magirazi matsva, iwe ungangobhadhara zana muzana yemitengo kubva muhomwe.

Nekudaro, pane zvimwe zvisaririra kana iwe uine Medicare Kubatsira kana mushure mekunge iwe wave nekuvhiyiwa kwekati. Tichaongorora zvakadzama zveizvi zvisizvo zvinotevera.

Medicare Chikamu B kufukidza

Medicare Chikamu B (kufukidzwa kwekurapa) kuchabhadhara gadziriso yemagirazi emaziso mushure mekunge waitwa oparesheni yemukaka neintraocular lens implant.

Zvisinei, izvi hazvirevi kuti magirazi ako akasununguka zvachose. Iwe unobhadhara makumi maviri muzana emutengo wemagirazi ako emaziso, uye Chikamu chako B chakabviswa chinoshanda. Zvakati wandei zvinosanganisira:

• iwe unobhadhara mari yekuwedzera yemafuremu akakwidziridzwa
• iwe unofanirwa kutenga magirazi emaziso kubva kuMedicare-akanyoresa mutengesi

Kana iwe ukarasikirwa kana kutyora aya magirazi, Medicare haizobhadhare itsva. Medicare inongobhadhara imwe chete nyowani magirazi emaziso pahupenyu, paziso raunovhiyiwa. Nekudaro, kana iwe ukavhiyiwa kugadzirisa rimwe ziso, unogona kuwana peya yemagirazi emaziso panguva iyoyo. Kana iwe ukavhiyiwa cataract pane rimwe ziso pane imwe nguva inotevera, iwe unogona kuwana imwe nyowani nyowani yemagirazi emaziso.

Medicare Kubatsira kufukidza

Medicare Advantage (kana Medicare Chikamu C) ndiyo imwe nzira kune yekutanga Medicare kwaunosarudza yakazvimiririra inishuwarenzi kambani kuzadzisa ako Medicare mabhenefiti. A Medicare Advantage chirongwa chinofanira kupa zvese izvo zvekutanga Medicare zvinoita, uye zvimwe zvirongwa zvinowedzera kufukidza kwavo kusanganisira mazino, kunzwa, kana kuona kutarisirwa.

Kunyange Medicare Advantage inogona kupa mamwe maonero ekuona, kuchine mari dzehomwe. Sekureva kweongororo ichangoburwa, Medicare Advantage inonyoresa nechitarisiko chekuratidzira ichiri kubhadharwa makumi matanhatu nenomwe muzana emitengo inosanganisirwa nemari yavo yekushandisa.

Kana iwe uine Medicare Advantage ine chiono kufukidza, zvakakosha kushandisa mu-network vanopa kune kwako kuona chiratidzo. Zano rako rinogona kunge rakasarudzira vatengesi vegirazi remaziso uye lenzi. Kusarudza kubva pane runyorwa rwevanopa vanotenderwa kazhinji kunokubatsira iwe kuwana yakanyanya mari yekuchengetedza.

Kana iwe ukasarudza chirongwa cheMedicare Advantage chine chiono chekuvhara, yako yekutanga kana yakaderedzwa inogona kunge yakati kwirei zvishoma. Kuvharidzirwa kwako kwemaonero kunogona zvakare kuda kubhadhariswa kwemasevhisi ekuona uye kutenga kwemagirazi emaziso. Nezvimwe zvirongwa, iwe unofanirwa kusangana neyako deductible chirongwa chako chisati chabhadhara chikamu cheako ekuona masevhisi. Nekudaro, kana iwe uchifunga kuti iwe uchazoda kazhinji masevhisi ekuona masevhisi, chirongwa chine chiono chekuvhara chinogona kukuchengetedza iwe mari mukufamba kwenguva.

Kuti uwane chirongwa cheMedicare Chakanakira icho chinopa kufukidzwa kwekuona, unogona kushandisa Tsvaga Chirongwa cheMedicare chekutsvaga. Iwe unogona zvakare kubata Medicare Advantage zvirongwa uye makambani zvakananga kuti ubvunze mibvunzo nezve kwavo kuona kufukidzwa.

Medigap

Medicare yekuwedzera inishuwarenzi, kana Medigap, inowedzera yeinishuwarenzi mutemo yaunogona kutenga kana uine yekutanga Medicare. Nepo Medigap inogona kubatsira kubhadhara kunze-kwe-muhomwe mari inosanganisirwa neMedare zvikamu A uye B, senge mari yemari uye zvakabviswa, hazvizobatsire kubhadhara "zvekuwedzera" sekutarisirwa kwekuona.

Chii chisingavharirwe neMedare ekuona?

Medicare haifukidze masevhisi anotevera ane chekuita nekutarisira kwekuona:

• kugara uchiongorora maziso
• kutenga magirazi emaziso
• kutenga kwema lenzi
• kutenga kwema lenzi akakwidziridzwa

Nekudaro, Medicare Chikamu B inovhara kumwe kuongorora kuongororwa, kusanganisira glaucoma bvunzo yegore rega kune avo vari panjodzi uye kuongororwa kwegore kwegore kune avo vane chirwere cheshuga cheshuga retinopathy. Medicare zvakare inovhara kuvhiya kwemaziso.

Dzimwe sarudzo dzekuvhara magirazi emaziso

Kune masangano akati wandei anogona kubatsira nemutengo wemagirazi ako emaziso uye kutarisirwa kwekuona. Mimwe mienzaniso inosanganisira:

• Kutora

  Medicare haina kupa yakazara maonero ekuvhara, kusanganisira kubhadhara magirazi emaziso. Inowanzo bata mabasa ekurapa ane chekuita nekuona, sekuyedza chirwere cheshuga retinopathy kana glaucoma.

  Kana iwe kana munhu waunoda ukakwanisa kushandisa rubatsiro kutenga magirazi emaziso, kune akati wandei munharaunda nemasangano emunyika akazvipira kubatsira kupa chiratidzo chekutarisira.

  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.