Kumvetsa Maganizo Anu Pansi pa Medicare
Kodi muli ndi vuto lozindikira malingaliro omwe masomphenya akukhudzana ndi dongosolo la Medicare ? Anthu ambiri omwe asangalala ndi masomphenya a khalidwe labwino monga gawo la antchito awo amapindula phukusi panthawi ya moyo wawo wachikulire omwe akugwira ntchito akudabwa pamene atembenuka zaka 65 ndikusintha kupita ku Medicare ndi ndondomeko yowonjezera inshuwalansi. Mwamwayi, masewera olimbitsa thupi omwe amapanga chaka ndi chaka komanso magalasi a maso kapena magalasi amatha kusakhala mbali ya ndondomeko yawo.
Koma chisamaliro cha diso chimakhala chofunika kwambiri pamene tikukula. Sikuti masomphenya athu amangokhalira kusinthika, koma ndizotheka kukhala ndi vuto la maso kapena matenda.
Palibe Njira Yowonetsera Zojambula Zachizoloŵezi
Odwala nthawi zambiri amadabwa pamene amapempha kuti apange msonkhano wawo wa chaka chilichonse ndikudziwitsa antchito kuti alembetse ku Medicare. Wokonzera alendo nthawi zambiri amayankha kuti, "Chabwino, ndikukuthokozani chifukwa chakutipatsa ife chidziwitsochi. Ndikufuna kukudziwitsani kuti ngakhale Medicare ili ndi chithandizo choyenera cha mankhwala komanso maulendo a ofesi, sizimapereka mayeso a nthawi zonse . "
Mmene wodwalayo amachitira nthawi zambiri ndi "Chiyani ?!" Ndizowona. Medicare sichitiyesa mayeso a masomphenya, nthawi. Medicare yalinganizidwa mofanana ndi inshuwalansi zina za inshuwalansi kuti amalipire mayeso owona pamene wodwalayo akudandaula kapena kuti adziwe kale kuti ndi mankhwala . "Nthaŵi zonse" imasonyeza kusinkhasinkha kosavuta.
Ngakhale Medicare ikuyamba kuvomereza njira zowonjezereka komanso mayeso omwe alidi owonetsetsa thanzi labwino, makamaka, silipenda mayeso pamene kudandaula kwakukulu kuli, "Ndikusowa katemera watsopano" kapena "Ndikufuna kuyesa masomphenya ."
Mwachitsanzo, tiyeni tiwone kuti pamapeto pa kufufuza, dokotala wanu amakupatseni zinthu zitatu kapena zosiyana ndi maso.
Ngati mutalowa m'chipinda choyesa tsikulo kuti muyambe kuyang'ana "diso" nthawi zonse ndipo munanena kuti mulibe vuto ndi maso anu, Medicare salipira msonkho umenewo. (Medicare idzayendera mayeso ndi mayesero omwe atsatidwa kuti atsatire zikhalidwe kapena maso omwe adayang'anako kale.)
Kodi Pali Vuto Lililonse Loyang'anira Lolembedwa ndi Medicare?
Mwinamwake mukudabwa kuti chithandizo cha diso ndi masomphenya chimaphimbidwa ndi Medicare ndi ndondomeko yanu yothandizira. Chabwino, tiyeni tinene kuti mumasamukira mumzinda watsopano ndikupeza dokotala watsopano . Chifukwa cha ulendo? Zaka zingapo zapitazo, dokotala wanu wotsiriza wamaso adapeza kuti muli ndi cataract yofatsa ndipo mudapeza malo pang'ono pa retina yanu. Izi ndizo matenda a zachipatala ndi zifukwa zofunikira za mankhwala kuti akhale ndi kafukufuku wina wamaso. Komabe, magalasi anu tsopano ali okalamba ndipo akugwa. Muyenera kuyang'anitsa mankhwala anu ndipo mukufuna kuyika muyeso yatsopano, magalasi oyang'aniridwa a bifocal. Kwa inu, mukukonzekera kuyesedwa kwa diso lolunjika bwino. Kwa dokotala wanu, komabe zikuwoneka ngati izi:
- 92004 - Kufufuza kwa diso lonse
- 92015 - Kutsitsimula
"92004" ndi chigwiritsidwe ntchito ndi madokotala kuti asonyeze kwa makampani a inshuwalansi ndi Medicare kuti kuyembekezera kwa diso lonse kunapangidwa.
"92015" ndilo lamulo la kukanidwa . Kutsutsa ndiko kutsimikiza kwa kulakwitsa kwanu, kapena mankhwala anu a magalasi. Kuganiza kuti Medicare yokhala ndi chilolezo choyesa ndi $ 135.00, Medicare idzagwira 80% ya $ 135.00, yomwe ndi $ 108.00.
Inshuwalansi yanu ya "medigap", monga AARP kapena American Pioneer, idzagwira 20% otsala, kapena $ 27.00. Ngati mulibe medigap kapena Medicare supplemental inshuwalansi, ndiye kuti mudzakhala ndi udindo wa $ 27.00. Medicare ndi mapulani ambiri a inshuwalansi amalingalira za kukanidwa kwa ntchito yosaphimbidwa. (Phunziroli, tiyerekeze kuti dokotala akulipiritsa $ 25 kuti awonongeke, gawo la kafukufuku yemwe dokotala kapena wothandizira akufunsa kuti "Ndi yani yabwino, imodzi kapena iwiri?") Kotero, inunso muyenera kulipira malipiro oletsedwa $ 25.
Zotsatira zake, ndalama zanu zonse zowonongeka kwa diso ndi $ 25 ngati muli ndi ndalama zowonjezerapo, kapena $ 52 ngati simukutero.
Kodi Magalasi Opanga Magazi Amagwiritsidwa Ntchito?
Mwamwayi, Medicare imangotenga mafelemu ndi ma lens omwe akutsatira opaleshoni yowopsa , ndipo kamodzi kokha pa moyo wawo wonse. (Medicare nthawi zina amalipira kawiri ngati opaleshoni ya cataract pakati pa maso awiri akulekanitsidwa ndi kutalika kwa nthawi yaitali) Kuti muthandize ndi mtengo wa magalasi anu, sizikuvutitseni kufunsa katswiri wanu wamakono kuti awonongeke pa magalasi. Ena angapereke mwayi wotsika kwa AAA, nzika zakulirapo, kapena mwina ndondomeko yotaya mtengo yotulutsidwa ndi AARP. Komanso, akatswiri ambiri opanga opaleshoni adzakondwera kukupatsani mphoto 10 mpaka 20% ngati mufuna kulipilira magalasi mokwanira pa tsiku la mayeso.
Matenda a Mankhwala ndi Mankhwala
Ngakhale kuti Medicare salipira kwa chaka, kachitidwe kaŵirikaŵiri, maulendo a zachipatala ndi ma mayesero a maso akuphimbidwa. Ngati muli ndi vuto la diso lachipatala monga blepharitis kapena matenda owuma , Medicare adzalipira maulendo onse oyenera ochiritsira kuti athetse vutoli.
Mawu Ochokera
Ngakhale kuti Medicare sichisintha mawonedwe owonetsa nthawi zonse kapena kuyesedwa kawirikawiri , zimapereka ndalama zowonongeka kwa glaucoma . M'chaka cha 2000, Medicare inakhazikitsa ndondomeko yoyendera ofesi ya glaucoma. Kuwonetsa glaucoma kumachitidwa kwa odwala kamodzi pachaka kwa anthu omwe ali ndi shuga, banja la glaucoma , omwe ali a African American oposa zaka 50, ndipo ndi ndani a Hispanics omwe ali ndi zaka 65 ndi zoposa. Zojambula za glaucoma zimaphatikizapo kuyesedwa kosakanikirana ndi kupanikizika kwa pang'onopang'ono komanso kuyang'anitsa nyali .
Chitsime:
Maofesi a Medicare ndi Medicaid Services. Medicare Coverages. Dipatimenti ya Zaumoyo ndi Zaumunthu, 2009.