Indlela Yokuhlawula Izindleko Zakho Zokusetshenziswa Kwemithi
Ngaphambi kuka-2006, i-Medicare ayizange ifake imishanguzo yemithi, okungenani hhayi iningi layo. Inani elilinganiselwe lemithi lanikezwa ngaphansi kwe-Medicare Part B , kodwa ngaphandle kwalokho, kwadingeka ukhokhele imithi yakho ephaketheni.
Konke kwashintsha lapho uMengameli uGeorge W. Bush eshaya iMedricare Prescription Drug, Improvement, kanye neModernization Act (MMA) ngo-2003.
Umthetho wadala lokho esikwaziyo manje njengeMedricare Part D, ingxenye yokuzikhethela ye-Medicare ehlinzeka ngezidakamizwa ezidakamizwa.
Amalungiselelo eNgxenye D aqhutshwa izinkampani zomshuwalense wangasese, hhayi uhulumeni. Kodwa-ke, uhulumeni wesifundazwe ubeka imihlahlandlela ngokuthi imiphi imithi eyisisekelo lezi zinhlelo okumelwe zimboze nokuthi ungakhokhiswa kangakanani. Lo mhlahlandlela uveza konke okudingeka ukwazi ngakho ukuthi uzokhokha yini i-Medicare Part D kulo nyaka.
Ingxenye D Izidakamizwa
I- deductible yimalini yemali oyisebenzisayo ephaketheni ngaphambi kokuba uqale izidakamizwa zakho zemithi. Uhlelo lwakho lungase lungabi khona noma lungenalo i-deductible. I-maximum deductible plan engakhokhisa ngo-2017 isethwe ku-$ 400, ukwanda kwama-$ 40 kusuka ngo-2016.
Ingxenye D Ama-Premium
I- premium yimalini yemali oyisebenzisayo njalo ngenyanga ukuze ufinyelele ohlelweni lwezempilo. Uhulumeni akabekeli imikhawulo esemthethweni kumazinga e-premium futhi amanani akhula njalo ngonyaka. Ngonyaka we-2017, i-premium ye-Part D isinganiselwa ku-$ 34 ngenyanga.
Amacebo anokubanjwa okunwetshiwe azobiza ngaphezulu.
Ingxenye D I-National Base Benepriary Premium
Ungangqubuzani ne-premium base-beneficiary premium (NBBP) nge-premium yakho yenyanga. Nakuba izinombolo zingase zifane ngokufanayo, aziqabukeli. I-NBBP yinani elisetshenziselwa ukubala ukuthi unecala elingakanani kwi- Part D izijeziso uma ubhalisa emuva kwesikhathi.
Ukubheja kwakho okuhle ukugwema izinhlawulo ze-Part D ngokuphelele, ngakho-ke qiniseka ukuthi usebenzisa ikhalenda ejwayelekile ye-Medicare ukuze ubhalise ngesikhathi . I-NBBP isethwe ku-$ 35.63 ngo-2017.
Ingxenyana D Imithi Ehlobene Nemali Ephathelene Nemali
Uhulumeni uphinde akhokhe imali eyengeziwe ukuze uthole ingxenye ye-Part D esekelwe kwimali engenayo. Lokhu kwaziwa njengeMali ehambisana ne-Medicare Adjustments Amounts (IRMAA). Uzokhokhisa i-IRMAA yinyanga yonke kuhulumeni wesifundazwe kanye nama-premium ngenyanga enkampanini yomshuwalense.
| Inzuzo | Izindleko zakho ezingu-2017 | Shintsha kusukela ngo-2016 |
| Ngaphansi kwama-$ 85,000 | $ 0 ngenyanga | Ukunyuka kwe-$ 0 ngenyanga ngenyanga |
| $ 85,000 - $ 107,000 | US $ 13.30 ngenyanga | Ukwanda kwe-$ 0.60 ngenyanga Ukunyuka kwe-$ 7.20 ngonyaka |
| $ 107,000 - $ 160,000 | $ 34.20 ngenyanga | Ukunyuka kwe-$ 1.40 ngenyanga Ukwanda kwe-$ 16.80 ngonyaka |
| $ 160,000 - $ 214,000 | US $ 55.20 ngenyanga | Ukwanda kwe-$ 2.40 ngenyanga Ukwanda kwe-$ 28.80 ngonyaka |
| Ngaphezu kuka-$ 214,000 | $ 76.20 ngenyanga | Ukwanda kwe-$ 3.30 ngenyanga Ukwanda kwe-$ 39.60 ngonyaka |
| Inzuzo | Izindleko zakho ezingu-2017 | Shintsha kusukela ngo-2016 |
| Ngaphansi kwama-$ 170,000 | $ 0 ngenyanga | Ukunyuka kwe-$ 0 ngenyanga ngenyanga |
| $ 170,000 - $ 214,000 | US $ 13.30 ngenyanga | Ukwanda kwe-$ 0.60 ngenyanga Ukunyuka kwe-$ 7.20 ngonyaka |
| $ 214,000 - $ 320,000 | $ 34.20 ngenyanga | Ukunyuka kwe-$ 1.40 ngenyanga Ukwanda kwe-$ 16.80 ngonyaka |
| $ 320,000 - $ 428,000 | US $ 55.20 ngenyanga | Ukwanda kwe-$ 2.40 ngenyanga Ukwanda kwe-$ 28.80 ngonyaka |
| Ngaphezu kuka-$ 428,000 | $ 76.20 ngenyanga | Ukwanda kwe-$ 3.30 ngenyanga Ukwanda kwe-$ 39.60 ngonyaka |
| Inzuzo | Izindleko zakho ezingu-2017 | Shintsha kusukela ngo-2016 |
| Ngaphansi kwama-$ 85,000 | $ 0 ngenyanga | Ukunyuka kwe-$ 0 ngenyanga ngenyanga |
| $ 85,000 - $ 129,000 | US $ 55.20 ngenyanga | Ukwanda kwe-$ 2.40 ngenyanga Ukwanda kwe-$ 28.80 ngonyaka |
| Kukhulu kunama-$ 129,000 | $ 76.20 ngenyanga | Ukwanda kwe-$ 3.30 ngenyanga Ukwanda kwe-$ 39.60 ngonyaka |
I-Donut Hole
I-Medicare Part D ingaphelele. Empeleni, inomgodi omkhulu kuwo. I- hole okuthiwa i- donut yi-igeji lokufakazela eliyilandela emva kwakho kanye neMedricare uye wachitha imali ethile emithini yakho yemithi kadokotela. Ngemuva kokuthi leyo mali isetshenzisiwe, ushiywe ukukhokhela imithi yakho kuze kube yilapho usuchitha okwanele ukuze uthole "ukusabalalisa okubi" ngokusebenzisa uhlelo lwakho lwe-Part D.
Umgodi we-donut unciphisa ngo-2017 ngenxa yoMthetho Wokunakekelwa Ongenakusiza, i-Obamacare . Ukuqala ngo-2013 imithethonqubo ku-Care Affordable Act kancane kancane kwehle kangakanani ukuthi uzophoqeleka ukuba uchithe ephaketheni emithini yakho. Uma lezi ziqondiso ziqhubeka, okungukuthi uma uMthetho Wokunakekelwa Ongenakusiza ungachithwa , umgodi we-donut uzovalwa ngo-2020.
Kuze kube yileso sikhathi, inani okhokha ngaphambi kokufaka umgodi we-donut, owaziwa njengomkhawulo wokuqala wokuthenga, ukwanda kusuka ku-$ 3,310 kuya ku-$ 3,700 ngo-2017. Lezi zindaba ezinhle. Kusho ukuthi kuzothatha isikhathi eside ngaphambi kokuthi ungene emgodini we-donut.
Uma usukhona emgodini we-donut, esikhundleni sokukhokha imali yakho ye-Part D yenkokhelo evamile, uzokhokha amaphesenti angu-40 ngemithi yegama lomkhiqizo kanye namaphesenti angu-51 ngemithi yokukhiqiza , hhayi ama-copay wakho avamile. Unyaka ngamunye ngo-2020, uzokhokha amaphesenti amancane emithini yakho kuze kube yilapho umgodi we-donut uvaliwe ngamaphesenti angu-25.
Uzochitha u-$ 1,250 emgodini wokunikezela ngo-2017 uma kuqhathaniswa no-$ 1,540 ngo-2016. Ngemuva kokuthi ususebenzise le mali, ufaka isigaba sokufakwa kwengozi lapho uzokhokha u-$ 3.30 kuphela ngezidakamizwa ezijwayelekile kanye no-$ 8.25 ngemithi yegama lomkhiqizo inyanga ngayinye.
Yisebenzise le nhlahlandlela yokuqondisa ukuze ikusize ngokusebenzisa inqubo yokungena emgodini .
Izwi elivela
Imithi ye-prescription ingaba yindleko kodwa ungavumeli lokho kusabise wena. Yazi ukuthi icebo lakho le-Medicare Part D lihlanganisa nokuthi ungalindela kangakanani ukukhokha. Ngololu lwazi esandleni, ungakwazi ukuhlaziya isabelomali sonyaka ozayo futhi ugcine noma yikuphi ukumangazeka.