Indlela Yokulondoloza Imali ku-Medicare Part D Gverage Gap
Umthetho Wokunakekelwa Okungenakusiza ongenwe ngumthetho ngo-Mashi 23, 2010 wenza izinguquko eziningana kwi-Medicare Part D ukunciphisa izindleko zakho zokuphuma ngaphandle uma ufinyelela emgodini we-donut, kufaka phakathi:
- Ngonyaka ka-2010, uma ngabe unayo izindleko kwigebe lokuhlanganisa, kufanele uthole imali engu-$ 250 ekhokhelwa yi-Medicare.
- Kusukela ngo-2011, uma ufinyelela emgodini we-donut, uzonikezwa isaphulelo esingu-50% kwizindleko eziphelele zamadakamizwa egama lomkhiqizo ngenkathi igebe.
- I-Medicare izokhipha izaphulelo ezengeziwe ngezindleko zombili igama lomkhiqizo nemithi ejwayelekile .
Ngama-2020, lezi zinguquko zizovala kahle igebe lokufakazela futhi kunokuba ukhokhe izindleko ezingu-100%, umthwalo wakho wemfanelo uzoba ngu-25% wezindleko.
Nakuba igebe lokuhlanganisa lizokuqedwa ekugcineni, kubalulekile ukukhumbula ukuthi uzobe unesibopho sokukhokha ama-25% wezindleko zemithi yakho yesidakamizwa. Uma uthatha imithi eminingi noma eyabiza, izindleko zingase zibe nzima. Kubalulekile, njalo, ukuthi uyazi izinsiza ezingase zikusize.
Bangaki Abantu Abafinyelela KuDonut Hole?
Ngokombiko wango-2008 ovela kuKaiser Family Foundation, abahlanganyeli be-Medicare Part D abayizigidi ezingu-3.4 bafinyeleleka ekungeneni kwezabelo zokuguliswa kwezidakamizwa ngo-2007. Leli gaba - eyaziwa ngokuthi "umgodi we-donut" - yisikhathi lapho abantu abane-Medicare Uhlelo lokusetshenziswa kwezidakamizwa kufanele lukhokhele izindleko zabo ezidakamizwa ezingu-100%.
I-Kaiser Foundation ithole ukuthi abangaphezu kuka-25% wabantu ababesejoyine uhlelo lweMithi ebizwa nge-Medicare elinezidakamizwa abagcwalisa noma yimiphi imithethonqubo ngo-2007, bafinyelele egazini lokuhlanganisa. Abantu abanezimo ezingapheli, njenge-Alzheimer's disease, isifo sikashukela nokucindezeleka, babe nenengozi enkulu kakhulu yokufinyelela igebe lokuhlanganisa.
Yeka ukuthi maduzane kanjani Ingxenye D yabhalisa Yifinyelela I-Donut Hole futhi Bahlala Kangakanani Esigabeni?
Cishe isigamu sabo bonke abantu abajoyine uhlelo lwezidakamizwa lweMedricare olunezidakamizwa ezibiza kakhulu ngokwanele ukuze bafinyelele emgodini we-donut ngo-2007 benza kanjalo ekupheleni kuka-Agasti.
Iningi labantu abafinyelele emgodini we-donut ngoJulayi noma kamuva bachitha lonke unyaka emkhakheni wokuvota.
Ingabe Abantu Bashintsha Ukusebenzisa Kwawo Imithi Lapho Befinyelela KuDonut Hole?
Abanye abantu abafinyelela emgodini we-donut bayeke ukuphuza imithi yabo. Ngibheka izinhlobo ezahlukene eziyisishiyagalombili zemithi enqunyelwe izimo ezihlukahlukene zempilo, i-Kaiser Foundation ithole ukuthi abantu abangaba ngu-15% abafinyelele igebe lokufihla bayeka imishanguzo yabo.
Isibonelo, abantu abayi-10% emkhakheni wezidakamizwa u-Medicare ababethatha imithi yomlomo yokwelapha uhlobo lwe-2 lwesifo sikashukela ofika egazini lokuvota bayeka ukuphuza imithi yabo. Ngomuntu onesifo sikashukela, ukumisa imithi ngisho nesikhathi esifushane kungabangela izinkinga zempilo ezinzulu futhi ngokushesha.
Ngingayinciphisa Kanjani Imali Yami Yezidakamizwa kuDonut Hole?
Cabanga ngokushintshela kumuthi ongabizi kakhulu
Enye yezindlela ezilula zokunciphisa izindleko zemithi yakho yesidakamizwa emgodini we-donut ukushintshela ezindlebeni eziphansi noma izidakamizwa ezivamile , njengoba zikhona futhi zifanelekile.
Ungakhuluma nodokotela wakho mayelana nemithi oyithathayo okwamanje ukuthola ukuthi kukhona yini izidakamizwa zamagama ezidakamizwa noma ezibizayo ezizosebenza kanye nalabo ozithatha manje.
Isibonelo, uma uthatha i-Zoloft yokucindezeleka, ungagcina okungaphezu kwe- $ 100 inyanga ngayinye ngokushintshela ku-sertraline, inguqulo yesizukulwane ye-Zoloft.
Hlela ukunikezwa kwemithi yakho enyangeni engu-3
Uma unesifo esingapheli, njengesifo sikashukela, cela udokotela wakho ukuba abhale imithi yesiguli semithi yakho engu-90 ngosuku. Izinhlelo eziningi zokwelapha zeMedare zihlinzeka isaphulelo uma usebenzisa uhlelo lwabo lwe- imeyili .
Futhi, ikhemisi yangakini ingakunika ukunikezwa kwemithi yakho yosuku lwezinsuku ezingu-90 ngenani elifanayo njengelungiselelo le-imeyili.
Hlola izinsiza zomphakathi ezisekelwe emphakathini nasemphakathini
Izinsiza eziningana zomphakathi nezomphakathi zinezinhlelo ezingakusiza ngezindleko zemithi yakho. Indawo enhle yokuqala yi-website yezokuhlola izinzuzo, isevisi yoMkhandlu Kazwelonke Wokuguga. Isayithi linikeza imininingwane elula yokufunda mayelana ne-Medicare plan yezidakamizwa, indlela yokuthola izinzuzo ezengeziwe nokuthi ungasifaka kanjani usizo olwengeziwe.
Bheka izinhlelo zokusiza imithi
Izinkampani ezinkulu ezidakamizwa ezinkulu zinikeza izinhlelo zokusiza abantu ababhalise ohlelweni lwezidakamizwa lweMedare. Ungathola ukuthi uhlelo lwe-Assistance Assistance Program luhlinzekwa yini ngabakhiqizi bezidakamizwa ozithatha ngokuvakashela ikhasi le-Pharmaceutical Assistance Programme kuwebhusayithi yeMedare.
Konke okudingeka ukwenze ukuthola imithi yakho ohlwini lwama-alfabhethi. Isayithi linikeza ulwazi mayelana nezinhlelo zokulondoloza ezitholakalayo kanye nesixhumanisi sesayithi lenkampani yezidakamizwa ukuthola ulwazi mayelana nokufaka isicelo sosizo.
Cabanga ngezinhlelo zokusiza imithi yezwe
Izifunda ezingaphezu kwezingu-20 zinikeza usizo ngokukhokhela ama-premiums plan kanye nezinye izindleko zemithi. Ungathola uma isimo sakho sinehlelo ngokuvakashela ikhasi le-State Pharmaceutical Assistance Programme kwiwebhusayithi ye-Medicare.
Faka isicelo sohlelo olwengeziwe losizo
Uma unomuthi wezidakamizwa weMedare futhi unomholo ongenayo nemithombo, ungase ufanelekele usizo olwengeziwe lokukhokha imishanguzo yakho yemithi.
Lolu usizo olwengeziwe, olutholakala ngokuPhatha kwezokuPhepha kwezenhlalakahle, lungakusiza imali ngokukhokha amaphesenti akho wenyanga, ama-deductibles waminyaka yonke kanye nekhophi yokukopishwa kwemithi. Uhlelo losizo olwengeziwe lungakugcina kuze kufike ku-$ 3,900 ngonyaka.
Ingabe Kukhona Yini Engingayenza Ukugwema I-Donut Hole?
Yebo. Ungagwema umgodi we-donut uma ukwazi ukugcina izindleko zezidakamizwa ezingaphansi kwe $ 2,840 ngo-2011. Enye yezindlela ezinhle kakhulu zokwenza lokhu ukucela udokotela wakho ukuthi akushintshele emithini yemithi, uma ekhona futhi efanelekile.
Ingabe Yenza Noma iyiphi Ingxenye D Izidakamizwa Zezidakamizwa Ukukhokhela Izidakamizwa Emgodini weDonut?
Yebo. Ngo-2011, izinhlelo ezithile zokwelapha ze-Medicare Part D zinezidakamizwa ezithile emgodini we-donut. Lezi zinhlelo, noma kunjalo, ziyobe zinezikhwama eziphezulu ngenyanga futhi zizokhokhela kuphela imishanguzo ethile.