Uhi anei ʻo Medicare i ka ʻoki kino cataract?

Anter

• He aha ke kumu kūʻai o ke kāpili cataract?
• He aha ke kumukūʻai me Medicare?
• ʻO nā ʻāpana o Medicare e uhi ai i ke kahakaha cataract?
• Mahele Medicare A
• Mahele B Medicare
• Mahele Medicare C
• Mahele Medicare D
• Nā hoʻolālā pākuʻi Medicare (Medigap)
• Pehea e hiki ai iā ʻoe ke ʻike i kāu mau koina ma mua o ke kaha ʻana o ka cataract?
• He aha nā kumu ʻē aʻe e hoʻopili i ka nui o kāu uku?
• ʻOki kino a me ka ʻoki kino cataract
• Ke laina lalo

ʻO ke kāpili cataract kahi hana maʻamau a ka maka. ʻO ke kaʻina palekana maʻamau ia a uhi ʻia e Medicare. Ma mua o 50 pākēneka o ʻAmelika he 80 mau makahiki a ʻoi paha i loaʻa ka cataract a i ʻole ua ʻoki ʻia kahi katarakō.

ʻO Medicare kahi papahana mālama ola aupuni pekelala no U.S. e uhi ana i nā pono olakino o ka poʻe i piha ka makahiki 65 a ʻoi. ʻOiai ʻaʻole uhi ʻo Medicare i ka loiloi o ka hihiʻo maʻamau, uhi ia i ke kīkoki cataract no ka poʻe i piha i ka makahiki 65.

Pono paha ʻoe e uku i nā koina hou aʻe e like me ka uku no ka haukapila a i ʻole nā ​​kauka, nā deductibles, a me nā uku uku.

E uhi paha kekahi ʻano o ka ʻinikua olakino Medicare ma mua o nā mea ʻē aʻe. ʻOkoʻa nā koina o ke kaha ʻana o ka cataract.

He aha ke kumu kūʻai o ke kāpili cataract?

Aia he ʻano nui ʻelua o ke kaha ʻana o ka cataract. Uhi ka Medicare i nā kaha ʻelua i ka helu like. Aia kēia mau ʻano:

• Phacoemulsification. Hoʻohana kēia ʻano i ka ultrasound e wāwahi i nā aniani ʻōpua ma mua o ka hemo ʻana a hoʻokomo ʻia kahi aniani intraocular (IOL) e pani i nā aniani ʻohu.
• Extracapsular. Lawe kēia ʻano i nā aniani ʻōpua i hoʻokahi ʻāpana, a hoʻokomo ʻia kahi IOL e pani i nā aniani ʻohu.

E hoʻoholo ana kāu kauka kauka i ke ʻano o ke kaha ʻoi loa no ʻoe.

Wahi a ka American Academy of Ophthalmology (AAO) i ka makahiki 2014, ʻo ke kumukūʻai maʻamau no ke kaha ʻana o ka cataract i ka maka hoʻokahi me ka ʻaihikua ʻole ma kahi o $ 2,500 no ka uku o ke kauka, ʻo ka uku o ke kikowaena o nā keʻena maʻi, ka uku anesthesiologist, ka aniani implant, a me 3 mau mahina. o ka mālama postoperative.

Eia nō naʻe, e loli kēia mau helu ma ka mokuʻāina a me nā kikoʻī o ke kūlana a me nā pono o kēlā me kēia.

He aha ke kumukūʻai me Medicare?

ʻO ke kumukūʻai kikoʻī o kāu kahakaha cataract e hilinaʻi ʻia:

• kāu papahana Medicare
• ʻano ʻoki āu e pono ai
• pehea ka lōʻihi o kou ʻoki ʻana
• ma hea ʻoe e ʻoki ai (ke keʻena maʻi a i ʻole ka haukapila)
• nā kūlana olakino ʻē aʻe āu
• nā pilikia kūpono

Kuhi ʻia paha ke kumu kūʻai no ke kaha ʻana o ka cataract.

• I ke kikowaena ʻoki kino a i ʻole ke keʻena lapaʻau, ʻo ke kumukūʻai maʻamau he $ 977. Uku ʻo Medicare i $ 781, a ʻo kāu kumu kūʻai he $ 195.
• I kahi haukapila (keʻena maʻi), ʻo ka nui o ke kumukūʻai he $ 1,917. Uku ʻo Medicare i $ 1,533 a ʻo kāu kumu kūʻai $ 383.

* Wahi a Medicare.gov, ʻaʻole pili kēia mau uku i nā uku kauka a i ʻole nā ​​kaʻina hana e pono ai. He mau averika lāhui lākou a ʻokoʻa paha e pili ana i ka wahi.

ʻO nā ʻāpana o Medicare e uhi ai i ke kahakaha cataract?

Uhi ʻia ʻo Medicare i ke kaha o ka cataract maʻamau me:

• ka hemo ʻana o ka cataract
• implantation maka aniani
• hoʻokahi aniani o nā maka aniani a i ʻole kahi hoʻonohonoho o nā aniani hoʻopili hoʻopili ma hope o ke kaʻina hana

Māhele ʻia ʻo Medicare ʻehā i ʻehā mau ʻāpana: A, B, C, a me D. Hiki iā ʻoe ke kūʻai aku i kahi Medigap, a i ʻole mea kōkua. Uhi kēlā me kēia ʻāpana i kekahi ʻano uku o ke olakino. E uhi ʻia kāu ʻoki lāʻau cataract e kekahi mau ʻāpana o kāu hoʻolālā Medicare.

Mahele Medicare A

Uhi ka ʻaoʻao Medicare A i ka uku maʻi maʻi a me nā koina haukapila. ʻOiai ma ka hapanui o nā hihia ʻaʻohe hale haukapila kūpono no ke kaha ʻana o ka cataract, inā pono ʻoe e ʻae ʻia i ka haukapila, e hāʻule kēia ma lalo o ka ʻāpana A.

Mahele B Medicare

Uhi ka Medicare ʻĀpana B i ka mea maʻi ma waho a me nā kumu kūʻai olakino ʻē aʻe. Inā loaʻa iā ʻoe ka Medicare Original, e uhi ʻia kāu wahi katarakō ma lalo o ka ʻāpana B. Māhele ʻia ka ʻāpana B i nā koho a ke kauka e like me ka ʻike ʻana i kāu kauka maka ma mua a ma hope hoʻi o ke kaha ʻana o ka cataract.

Mahele Medicare C

Uhi ka Medicare Part C (Plans Advantage) i nā lawelawe like me nā ʻāpana Medicare Original A a me B. Kaukaʻi ʻia i ka Plan Advantage āu e koho ai, e uhi ʻia nā ʻāpana āpau o kāu ʻoki cataract.

Mahele Medicare D

Uhi ka ʻaoʻao D i kekahi mau lāʻau i kuhikuhi ʻia. Inā makemake ʻoe i ka lāʻau lapaʻau ma hope o kāu ʻoki cataract, e uhi ʻia ia e Medicare Part D. Inā ʻaʻole kāu lāʻau i ka papa inoa i ʻae ʻia, pono paha ʻoe e uku ma waho o ka ʻeke.

Hiki ke uhi ʻia kekahi mau lāʻau e pili ana i kāu ʻoki e ka ʻāpana B inā manaʻo ʻia he kumukūʻai olakino. ʻO kahi laʻana, inā pono ʻoe e hoʻohana i kekahi mau kulu maka wale ma mua o kou ʻoki ʻana, hiki iā lākou ke uhi ʻia e ka ʻĀpana B.

Nā hoʻolālā pākuʻi Medicare (Medigap)

Mālama nā papahana hoʻōla Medicare (Medigap) i kekahi mau koina i hana ʻole ʻia e Medicare. Inā loaʻa iā ʻoe kahi hoʻolālā Medigap, e kāhea i kāu kauka mālama ola e ʻike i nā kumukūʻai e uhi ai. Mālama kekahi mau hoʻolālā Medigap i nā unuhi a me nā uku uku no nā ʻāpana Medicare A a me B.

Pehea e hiki ai iā ʻoe ke ʻike i kāu mau koina ma mua o ke kaha ʻana o ka cataract?

E hoʻoholo i nā mea āu e pono ai e uku ma waho o ka ʻeke no kāu ʻoki katarak, pono ʻoe i ka ʻike mai kāu kauka maka a me kāu mea hāʻawi Medicare.

Hiki iā ʻoe ke nīnau i kāu kauka a i ʻole ka lawelawe inikua i kēia mau nīnau e kōkua ai e hoʻoholo i kāu kumukūʻai o waho o ka ʻeke no ke ʻoki cataract:

• ʻAe ʻoe iā Medicare?
• E hana ʻia ke kaʻina hana ma ke kikowaena o ka ʻoki kino a i ʻole kahi haukapila?
• E lilo wau i mea maʻi a i ʻole kahi mea maʻi i waho no kēia ʻoki ʻana?
• He aha nā lāʻau lapaʻau e pono ai wau e pono ai ma mua a ma hope o ke kaha ʻana o ka cataract?
• He aha ke code Medicare a i ʻole kekahi inoa kikoʻī o ke kaʻina hana āu e hoʻolālā ai e hana? (Hiki iā ʻoe ke hoʻohana i kēia pāʻālua a i ʻole inoa e nānā ai i nā kumukūʻai ma ke ʻano hana o ke kumu kūʻai ʻo Medicare.)

Hiki paha i kāu kauka ke haʻi aku iā ʻoe i ka pākēneka o kāu ʻoki kino i uhi ʻia a me kāu mea e hōʻaiʻē ai ma waho o ka ʻeke.

Inā ua kūʻai ʻoe i kahi Medicare Advantage a i ʻole hoʻolālā ʻē aʻe ma o kahi ʻoihana ʻinikua pilikino, hiki i kāu mea hāʻawi ke haʻi iā ʻoe i kāu kumukūʻai i waho o ka ʻeke.

He aha nā kumu ʻē aʻe e hoʻopili i ka nui o kāu uku?

ʻO ka nui kikoʻī āu e uku ai ma waho o ka ʻeke e hoʻoholo ʻia e kāu uhi Medicare a me nā hoʻolālā āu e koho ai. ʻO nā kumu ʻē aʻe e hoʻoholo ai i kāu kumukūʻai ma waho o ka ʻeke.

• kāu hoʻolālā Medicare
• kāu lawe hoʻoliʻiliʻi
• kou palena mawaho o ka ʻeke
• inā he ʻinikua olakino ʻē aʻe kāu
• inā he Medicaid kāu
• inā uhi ʻo Medicare Part D i nā lāʻau e pono ai
• inā loaʻa iā ʻoe nā kūlana olakino ʻē aʻe e paʻakikī i ke kaʻina hana

Inā he veteran ʻoe, hiki ke uku ʻia kāu mau pono ʻoihana VA no ke ʻoki cataract.

ʻOki kino a me ka ʻoki kino cataract

Kūkulu kahi cataract i ka wā e paʻakikī ai ke aniani o ke aniani o kou maka. ʻO nā ʻōuli o ka cataract pū kekahi:

• ʻike maka ʻōpua
• ʻike hihi a pohihihi paha
• lau ʻeleʻele a melemele ʻia
• hihio pālua
• pilikia i ka ʻike ʻana i ka pō
• ke ʻike nei i ka ʻāpana a puni nā kukui
• ʻike i ka mālamalama a me ka ʻōlinolino
• nā hoʻololi i ka hihiʻo

Lawe ke kīʻaha cataract i nā aniani ao a me kahi aniani hou i hoʻokau ʻia me ka ʻokiʻoki. Hana ʻia kēia ʻoki e kahi kauka lā, a i ʻole ophthalmologist. ʻO ke kahakaha cataract kahi hana maʻamau i waho. ʻO kēia ʻaʻole pono ʻoe e noho i ka haukapila i ka pō.

Ke laina lalo

ʻO ke kāpili cataract kahi hana maʻamau i uhi ʻia e Medicare. Eia naʻe, ʻaʻole uku ʻo Medicare i nā mea āpau a ʻaʻole paha e hana ʻo Medigap i mea ʻole loa.

E uku paha ʻoe i nā unuhi ʻia, uku uku, ʻinikua like, a me nā uku uku. He kuleana paha ʻoe no nā kumu kūʻai ʻē aʻe inā pono ʻoe i kahi ʻoihana katarak mua loa a i ʻole loaʻa nā pilikia olakino.

Hiki i ka ʻikepili ma kēia pūnaewele ke kōkua iā ʻoe i ka hoʻoholo ʻana pilikino e pili ana i ka ʻinikua, akā ʻaʻole ia i manaʻo ʻia e hāʻawi i nā ʻōlelo aʻoaʻo e pili ana i ke kūʻai a hoʻohana ʻana i nā huahana ʻinikua a me nā ʻinikua paha. ʻAʻole lawelawe ʻo Healthline Media i ka ʻoihana ʻinikua i kekahi ʻano a ʻaʻohe laikini ma ke ʻano he ʻinikua a i ʻole mea hana i kēlā me kēia mana o U.S. ʻAʻole koi a kākoʻo ʻo Healthline Media i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.

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