Medicare Puas Them Nqi Kho Mob Cataract?

Zoo Siab

• Kev phais mob cataract raug nqi li cas?
• Tus nqi nrog Medicare yog dab tsi?
• Qhov twg hauv Medicare pab them rau kev phais mob tawm tsam?
• Medicare Tshooj A
• Medicare Tshooj B
• Medicare Tshooj C
• Medicare Tshooj D
• Cov phiaj xwm pabcuam Medicare (Medigap)
• Yuav ua li cas koj thiaj paub tias koj cov nqi yuav ua li cas ua ntej kev phais mob tawm?
• Lwm qhov cuam tshuam yuav cuam tshuam ntau npaum li cas koj them?
• Kev phais kab mob qhovmuag thiab tsaus muag
• Hauv qab kab

Kev phais kab mob qhov muag yog ib txoj kev kuaj qhov muag. Feem ntau kev phais mob nyab xeeb thiab them los ntawm Medicare. Ntau dua 50 feem pua ​​neeg Asmeskas 80 xyoo lossis tshaj saud muaj cataracts lossis tau phais mob cataract.

Medicare yog Tsoom Fwv Teb Chaws Asmeskas tsoomfwv saib xyuas kev noj qab haus huv uas them rau cov kev xav tau kev noj qab haus huv ntawm cov neeg uas muaj 65 xyoo thiab laus dua. Thaum Medicare tsis duav txog kev soj ntsuam qhov muag, nws yuav them rau phais mob rau cov tib neeg hnub nyoog 65 xyoos.

Tej zaum koj yuav tsum tau them ib co nqi ntxiv xws li nqi tsev kho mob lossis chaw kho mob, them cov nqi them, thiab co-them.

Qee hom kev fajseeb khomob Medicare yuav them ntau dua lwmyam. Ntau yam kev phais mob cataract kuj muaj cov nqi sib txawv.

Kev phais mob cataract raug nqi li cas?

Muaj ob txoj kev phais mob cataract. Medicare pab them tag nrho ob leeg phais thaum tib tus nqi. Cov no suav nrog:

• Phacoemulsification. Hom no siv ultrasound los rhuav lub lens huab ua ntej nws raug tshem tawm thiab lub teeb ntawm qhov (intraocular lens) (IOL) yog ntxig los hloov lub lens huab.
• Kev Kawm Dhau Los. Hom no tshem tawm cov huab ntawm lub ntsej muag rau ntawm ib qho, thiab IOL yog ntxig los hloov lub lens huab.

Koj tus kws kho qhov muag yuav txiav txim siab txog hom kev phais twg zoo tshaj rau koj.

Raws li Asmeskas Academy of Ophthalmology (AAO) nyob rau xyoo 2014, kev kho cov nqi kho lub qhov muag ntawm ib qhov muag tsis muaj kev pov hwm yog kwv yees li $ 2,500 rau tus kws phais mob, tus nqi kho mob sab nrauv, tus nqi kuaj mob anesthesiologist tus nqi, lub chaw cog tshuaj kho qhov muag, thiab 3 lub hlis ntawm postoperative kev saib xyuas.

Txawm li cas los xij, cov nqi no yuav sib txawv raws xeev thiab qhov tshwj xeeb ntawm tus neeg mob thiab cov kev xav tau.

Tus nqi nrog Medicare yog dab tsi?

Tus nqi rau kev phais koj lub cataract yuav nce raws:

• koj li phiaj xwm Medicare
• hom kev phais koj xav tau
• ntev npaum li cas koj kev phais mob siv sijhawm
• koj tau phais qhov twg (chaw kuaj mob lossis tsev kho mob)
• lwm yam mob uas koj muaj
• muaj teeb meem tshwm sim

Tus nqi kwv yees tawm kev phais mob tawm yuav yog * *:

• Hauv ib lub chaw phais lossis chaw kuaj mob, tus nqi nruab nrab tag nrho yog $ 977. Medicare them $ 781, thiab koj tus nqi yog $ 195.
• Hauv ib lub tsev kho mob (tuam tsev kho mob sab nrauv), tus nqi nruab nrab tag nrho yog $ 1,917. Medicare them $ 1,533 thiab koj tus nqi yog $ 383.

* Raws li Medicare.gov, cov nqi no tsis suav nrog tus nqi kws kho mob lossis lwm cov txheej txheem uas yuav tsum tau muaj. Lawv tau nruab nrab hauv tebchaws thiab yuav txawv nyob ntawm qhov chaw.

Qhov twg hauv Medicare pab them rau kev phais mob tawm tsam?

Medicare pab them cov phais mob cataract nrog rau:

• kev tshem tawm ntawm cataract
• lo ntsiab muag
• ib nkawm cov tsom iav qhov muag lossis lub teeb tsa looj tsom iav tom qab qhov txheej txheem

Thawj qhov Medicare tau muab faib ua plaub qhov loj: A, B, C, thiab D. Koj kuj tseem yuav tau Medigap, lossis ntxiv rau, phiaj xwm. Txhua ntu siv rau ntau yam nqi kho mob. Kev phais koj lub qhov muag cataract yuav raug pab them los ntawm ntau ntu ntawm koj txoj phiaj xwm Medicare.

Medicare Tshooj A

Medicare Tshooj A pab them cov nqi pw khomob thiab tsev kho mob. Txawm hais tias feem ntau tsis muaj lub tsev khomob tsim nyog rau kev phais mob cataract, yog tias koj yuav tsum tau mus pw hauv tsev khomob, qhov no yuav poob rau Kev Pabcuam Tshooj A.

Medicare Tshooj B

Medicare Tshooj B pab them rau cov neeg mob sab nrauv thiab lwm cov nqi kho mob. Yog tias koj muaj Medicare thawj zaug, koj txoj kev phais mob tawm tsam yuav dhau raws Ntu B. Ntu B puav leej them rau cov kws kho mob sijhawm teem mus ntsib kws kho mob zoo li mus ntsib koj tus kws kho mob qhov muag ua ntej thiab tom qab phais mob tawm.

Medicare Tshooj C

Medicare Tshooj C (Cov Hom Phiaj Tau Zoo) them rau cov kev pab zoo ib yam li Medicare thawj ntu A thiab B. Nyob ntawm Daim phiaj Advantage koj xaiv, tag nrho lossis ib feem ntawm qhov kev phais koj tawm cataract.

Medicare Tshooj D

Ntu D npog qee yam tshuaj noj. Yog tias koj xav tau cov tshuaj noj tom qab koj phais plab qhov hnyuv, nws yuav them los ntawm Medicare Tshooj D. Yog tias koj cov tshuaj tsis nyob hauv cov npe tau txais kev pom zoo, koj yuav tsum them nyiaj hauv hnab tshos.

Qee cov tshuaj muaj feem rau kev phais koj kuj tseem them rau Ntu B yog tias lawv raug txiav txim siab tus nqi kho mob. Piv txwv li, yog tias koj yuav tsum tau siv qee qhov muag tee nkaus xwb ua ntej kev phais mob, lawv yuav them rau Ntu B.

Cov phiaj xwm pabcuam Medicare (Medigap)

Cov kev pab them nqi kho mob Medicare (Medigap) them rau ib cov nqi uas Original Medicare tsis them. Yog tias koj muaj lub hom phiaj Medigap, hu rau koj tus neeg saib xyuas kev noj qab haus huv kom paub seb qhov nqi twg nws them. Qee cov phiaj xwm Medigap them cov nqi txo thiab tus nqi koom them rau Medicare feem A thiab B.

Yuav ua li cas koj thiaj paub tias koj cov nqi yuav ua li cas ua ntej kev phais mob tawm?

Txhawm rau txiav txim dab tsi koj yuav tsum tau them nyiaj ntawm hnab tshos rau qhov kev phais koj tawm tsam, koj yuav xav tau cov ntaub ntawv los ntawm koj tus kws kho qhov muag thiab koj tus kws kho mob Medicare.

Koj tuaj yeem nug koj tus kws kho mob lossis chaw muag kev pov hwm raws li cov lus nug hauv qab no los pab txiav txim koj cov nqi sab nrauv hnab tshos rau kev phais mob tawm:

• Koj puas kam txais Medicare?
• Cov txheej txheem puas yuav ua rau lub chaw phais lossis chaw kuaj mob?
• Kuv puas yuav yog neeg pw lossis pw sab nrauv rau qhov kev phais mob no?
• Kuv yuav tau noj cov tshuaj dab tsi ua ntej thiab tom qab phais mob cataract?
• Txoj cai Medicare los yog lub npe tshwj xeeb ntawm tus txheej txheem uas koj npaj yuav ua yog dab tsi? (Koj tuaj yeem siv tus lej lossis lub npe no txhawm rau nrhiav cov nqi ntawm Medicare tus txheej txheem tus nqi saib xyuas cov nqi.)

Koj tus kws kho mob tuaj yeem qhia koj pes tsawg feem ntawm koj qhov phais mob them thiab koj yuav tshuav dab tsi hauv hnab tshos.

Yog koj tau yuav Medicare Advantage los yog lwm txoj kev pab them nqi los ntawm cov chaw pab kas phais ntiag tug, koj tus kws kho mob tuaj yeem qhia koj cov kev cia siab ntawm hnab tshos tus nqi.

Lwm qhov cuam tshuam yuav cuam tshuam ntau npaum li cas koj them?

Tus nqi uas koj yuav them tawm ntawm hnab tshos yuav txiav txim los ntawm koj qhov kev tuav pov hwm Medicare thiab cov phiaj xwm uas koj xaiv. Lwm qhov kev pab them nqi uas yuav txiav txim koj cov nyiaj hauv hnab tshos muaj xws li:

• koj cov phiaj xwm Medicare
• koj cov nqi txo
• koj cov nyiaj hauv hnab tshos
• yog tias koj muaj lwm yam is saws las kho mob
• yog tias koj muaj Medicaid
• yog Medicare Part D npog cov tshuaj uas koj xav tau
• yog tias koj muaj lwm yam mob uas ua rau cov txheej txheem nyuaj ntxiv

Yog tias koj yog tus qub tub rog, koj cov txiaj ntsig VA yuav muaj peev xwm them taus rau kev phais mob cataract.

Kev phais kab mob qhovmuag thiab tsaus muag

Lub cataract tuaj thaum lub ntsiab muag uas pom tseeb ntawm koj lub qhov muag yuav txhav lossis pos huab. Cov tsos mob ntawm tus mob cataracts muaj xws li:

• pos huab zeem muag
• qhov muag plooj lossis plooj
• faded lossis yellowed xim
• ob lub zeem muag
• teeb meem pom thaum tsaus ntuj
• pom halos ncig teeb
• rhiab rwg mus rau lub teeb ci ntsa iab thiab ci ntsa
• kev hloov pauv ntawm lub zeem muag

Kev phais kab mob tawm lub ntsej muag tshem tawm thiab lub lens tshiab raug phais. Qhov kev phais mob no yog kho los ntawm kws kho qhov muag, lossis kws kho qhov muag. Kev phais kab mob qhov ntswg feem ntau yog tus txheej txheem sab nrauv. Qhov no txhais tau tias koj yuav tsis tas pw hauv tsev kho mob thaum hmo ntuj.

Hauv qab kab

Kev phais kab mob qhov muag yog ib txoj kev uas ib txwm ua los ntawm Medicare. Txawm li cas los xij, Medicare tsis them nyiaj txhua yam thiab Medigap kuj yuav tsis ua rau tus nqi kiag li.

Tej zaum koj yuav tsum them cov nqi txo, tus nqi koom them, nqi tuav pov hwm, thiab tus nqi them tus nqi. Koj kuj yuav raug them rau lwm tus nqi yog tias koj xav tau kev phais pob txha qaij lossis muaj mob lwm yam mob ntxiv.

Cov ntaub ntawv ntawm lub vev xaib no tuaj yeem pab koj txiav txim siab tus kheej txog kev tuav pov hwm, tab sis nws tsis yog yuav pab tswv yim txog kev yuav khoom lossis kev siv cov khoom pov hwm lossis kev tuav pov hwm. Healthline Media yuav tsis hloov lag luam ntawm kev tuav pov hwm tsis hais yam twg thiab tsis tau ntawv tso cai raws li cov tuam txhab pov hwm lossis cov neeg tsim khoom hauv ib cheeb tsam ntawm Teb Chaws Asmeskas. Healthline Media tsis tau qhia lossis pom zoo rau ib tog neeg thib peb uas ua lag luam ntawm kev tuav pov hwm.

Nyeem kab lus no ua lus Mev