Ukuchaza UkuKhokhiswa Okubalulekile
Uma useMedare, unelungelo lokukhetha uma kuziwa ekukhokheni izidakamizwa zakho zemithi. Uma kufanele ukhethe uhlelo lweNgxenye D, uhlelo lwe- Medicare Advantage Plan nge-Part D yokuhlanganisa (uhlelo lwe-MA-PD) noma ubheke ukufakwa ngaphandle kwe-Medicare? Konke kuxhomeke ekubambeni okukweleta.
Ukuhle Kanjani Ingxenye D?
Ukukhishwa kwemali ebonakalayo kusho ukuthi umshuwalense wakho wezempilo unomsebenzi wokuhlinzekwa kwezidakamizwa ngokomuthi okungenani njengohlelo lwe-Medicare Part D.
Izindaba ezinhle ukuthi i-Part D yokuhlanganisa iningi kakhulu.
- Amacebo eNgxenye D kufanele anikele kokubili igama lomkhiqizo nemithi ejwayelekile etholakalayo kuma- formularies awo, okusho uhlu lwabo lwemithi ehlanganisiwe.
- Amalungiselelo eNgxenye D kufanele anikele ukufinyelela okulula kwimithi yakho ngokudayisa, ukuthumela i-mail, ukukhipha ekhaya kanye nama-pharmacy ukunakekelwa isikhathi eside.
- Amalungiselelo eNgxenye D ayadingeka ukumboza okungenani imithi emibili emakilasini angu-148 ehlukene ngezidakamizwa. Kulezi zigaba eziyisithupha - ama-anti-depressants, antipsychotics, ama-chemotherapy agents, imishanguzo ye-HIV / AIDS, imithi yokuzivikela kanye nemithi yokwehliswa - cishe yonke imithi izokwenziwa.
- Amacebo eNgxenye D angeke akhokhe imali engaphezu kwezingu-25 zezindleko zokuthengisa zaleyo mithi. Yilokho okungenani uze ufinyelele emgodini we- donut .
Ukuchaza UkuKhokhiswa Okubalulekile
Izinhlelo zokudakamizwa ezidakayo akudingeki ukuba zinikeze izidakamizwa eziningi ezincwadini zazo njengezingxenye ze-Part D kodwa kufanele zihlangabezane nalezi zinhlelo ezine ezilandelayo:
- Kumele banikele ngemithi yokwelapha negama lomkhiqizo.
- Kumelwe banikeze ukufinyelela okufanele kuma-pharmacy. Ama-pharmacy oda e-mail angakhetha.
- Kumele bakhokhe okungenani amaphesenti angama-60 wezindleko zemithi yakho.
- Baphinde bahlangabezane nalokhu okulandelayo:
- Akukho mkhawulo ezinzuzweni uhlelo oluhlinzeka ngonyaka noma uhlelo luvuma ukukhokha okungenani u-$ 25,000 ngonyaka ngokubhekelela izidakamizwa zakho.
- Lolu hlelo lulindele ukukhokha okungenani $ 2,000 ngezindleko.
- Izinhlelo ezihlanganisiwe ezibandakanya ezinye izinzuzo (amazinyo, umbono, njll), uhlelo luba) a deductible elilingana noma ngaphansi kuka $ 250, b) akukho umkhawulo wonyaka umhlomulo wonyaka noma isivumelwano ukukhokha okungenani $ 25,000 emithini yakho kadokotela kanye c) ine okungenani inzuzo engu-$ 1,000,000 yokuphila yonke ehlanganisiwe.
Amalungiselelo Okuhlinzeka Ngokwemali
Uma usuvele unempilo yokuthola imali, asikho isidingo sokubhalisela uhlelo lwe-MA-PD noma lwe-Part D. Izibonelo zezinhlelo zokunakekelwa kwezempilo ezinokukhokhelwa kwezikweletu zifaka:
- Isevisi yezeMpilo yaseNdiya
- Uhlelo Lokunakekelwa Konke Kuhlanganisa Abadala (PACE)
- TRICARE
- Izinzuzo zezempilo ze-Veteran
Amanye amapulani, ikakhulukazi izinhlelo ezizimele noma izinhlelo zezempilo ezixhaswe ngumqashi, zingashintsha kulokho imithi abayifake nokuthi zikhokhisa kangakanani. Uma ufanelekile ku-Medicare, la macebo kumele akutshele ukuthi izinhlelo zabo ziboleka noma cha. Ngokuvamile bayokwenza lokhu esitatimendeni sonyaka.
Unelungelo lokuthi wazi ukuthi izinzuzo zakho zinjengezinye izinhlelo. Ukukhishwa okubalulekile kuyindlela eyodwa yokuthi uqhathanise ikhwalithi phakathi kwezinhlobo ezahlukene zokufakwa kwezidakamizwa zemithi.
Kungani Kubalulekile Ukuthenga Imali?
Ukungafihli ukuthenga imali kungakudla imali. Lokhu kungenxa yokuthi i-Medicare ikukhokha izinhlawulo uma ubhalisa sekwephuzile kwiNgxenye D. Ukubhalisa emuva kwesikhathi sokuthi noma 1) ulahlekelwe isikhathi sakho sokubhalisa sokuqala uma uphendukela eminyakeni engu-65 ubudala futhi awunakho ukukhokhelwa ngesikweletu ngaleso sikhathi, 2) Ulahlekelwe yisikhathi sakho sokubhalisa esikhethekile uma ushiya uhlelo lwakho lwezempilo oluxhaswe ngumqashi, noma 3) awubhalanga phakathi kwezinsuku ezingu-63 zokulahlekelwa ukukhishwa okukweleta komunye umthombo.
Ingxenye D izigwegwe eziphuthumayo zingaphelela uma nje unayo Medicare.