Ukujoyina i-Medicare Part D ye-Medicine Drug Plan
I-Medicare Part D ivumela abantu ababhalise kuM Medicare ukuba bakhethe kusuka ezinombolweni eziningana zezidakamizwa zemithi (PDPs) ezinikezela iqoqo lezinsizakalo eziyisisekelo zemithi.
Ngingayithola Nini I-Medicare Part D Drug Plan?
Uma ufanelekile ukuthola izinzuzo zeMedricare ngoba uneminyaka engu-65 noma unokukhubazeka, ungabhalisa ohlelweni lweMithi ye-Medicare Part D. Ungakwazi ukubhalisa inyanga oyi-65, noma ezinyangeni ezintathu ngaphambi kwezinyanga ezintathu emva kokuvula iminyaka engu-65 (lokhu kufana nesikhathi sokuqala sokubhaliswa kwe-Medicare A no-B).
Uma ungabhalisi phakathi nenyanga enyanga eyisikhombisa, kungase kudingeke ukhokhele isigwebo sokubhalisa sekwephuzile ngesimo se-premium ephezulu.
Uma une-Medicare, ungabhalisa ohlelweni lwe-Part D lwezidakamizwa ngesikhathi sokubhalisa okuvulekile, okuqala ngo-Okthoba 15 futhi ugcine kuze kube nguDisemba 7 unyaka ngamunye, nokukhethwa kwepulani kuphumelela ngoJanuwari 1. Uma unesiphakamiso seDeveli D , ungashintsha kuhlelo oluhlukile phakathi nalesi sikhathi sokubhalisa.
Ungakwazi ukubhalisa ohlelweni lweDis D D izidakamizwa noma nini ngaphandle kokukhokha inhlawulo uma unayo iMedicaid and Medicare, noma uma imali yakho ingakusiza ukuba uthole usizo olwengeziwe ($ 13,820 kumuntu ngamunye ngo-2017, noma $ 27,600 kumbhangqwana).
Ingabe kufanele ngibhalise kwi-Medicare Part D Drug Plan?
Kunezinhlelo eziningi, ezinezinketho ezihlukahlukene ezididekayo zezinhlelo, ezitholakala kuhulumeni ngamunye. Lokhu kungenza kube nzima kuwe ukwazi ukuthi yiliphi uhlelo lokukhetha nokuthi ngabe uzoyilondoloza yini imali kwimithi yakho yokwelapha.
Izinkokhelo zezinhlelo ze-Part D zivela emazindeni aphansi (njengamaRandi 20 ngenyanga) ezingaphezu kwamaRandi ayi-100 inyanga ngayinye, kanti izinhlelo eziningi ziwela ngaphansi kuka-$ 30 kuya ku-60% ububanzi benyanga (isilinganiso sika-2018 silinganiselwa ku-$ 43 / ngenyanga). Izibonelo ezimbili ezilandelayo zibonisa ukuthi i-Medicare Part D ingahle kanjani noma ingakusizi ukuthi ugcine imali kwimithi yakho yokwelashwa.
Isibonelo sokuqala: UNkk Smith unesifo sikashukela sohlobo lwesibili, umfutho wegazi ophezulu nokucindezeleka. Uthatha imithi emithathu ejwayelekile , okungukuthi i-metformin yesifo sikashukela, i-enalapril ngenxa yengcindezi yegazi ephezulu, ne-paroxetine yokucindezeleka kwayo. Uthenga lezi zidakamizwa kwi-Costco yendawo yakhe ngezindleko zamaRandi ayi-10 ngokunikezwa kwemithi ngayinye kwezinsuku ezingu-90. Izindleko zonyaka zingu-$ 120. Uhlelo lokusetshenziswa kwezidakamizwa olubi kakhulu lwe-Medicare esifundazweni sakhe lukhokhwa ngenyanga eyi-$ 15 ngenyanga ngenani lemali lika-$ 180. Isicwangciso seNgxenye D singase singabonakali njengengqondo ngesikhathi esifushane kuNksz Smith, kodwa lokho kungase kube isiphetho esifushane, ngenxa yesigwebo sabantu ababhalisa isikhathi esithile.
Qaphela: UNksz Smith kufanele athenge uhlelo olubi kakhulu embusweni wakhe, naphezu kokuba ukwenza kanjalo kungase kunganikezeli inzuzo ngokushesha. Njengoba unezimo ezintathu zempilo ezingapheli ezingase zibe nzima nakakhulu, kunengozi ukuthi kungadingeka ukuthi athathe imithi ebiza kakhulu. Uma lokhu kwenzeka, cishe kuzodingeka akhokhe isijeziso se-Part D Esilandelayo sokubhalisa. Lokhu kusebenza ngisho nakwabahlomuli beMedarela abanempilo enhle, ngoba bambalwa abantu abahlala empilweni ephelele kulo lonke impilo yabo.
Isibonelo sesibili: UMnu. Smith une-type 2 yesifo sikashukela, futhi uthatha i-simvastatin nge-cholesterol yakhe ephakeme, i-Diovan ngenxa yegazi lakhe eliphakeme, no-Androgel ngenxa ye-testosterone yakhe ephansi.
Uthenga lezi zidakamizwa ekhemisi esitolo sakhe sendawo. I-diovan ne-Androgel yimizimba emibi kakhulu futhi ayinayo inguqulo yesi-generic. Imithi kaMnu. Smith imbiza ngaphezu kuka $ 2,000 ngonyaka. Ngemuva kokukhokha i-premium yakhe yanyanga zonke, ama- copucs aductible , kanye nezidakamizwa , angagcina imali engaphezu kwama-$ 500 ngonyaka ngonyaka ngokujoyina uhlelo lwePhrojekthi D lwezidakamizwa.
Isibonelo sesi-3: UMnu. Jones uthatha izidakamizwa eziningana ezibiza kakhulu, kodwa futhi unomsebenzi ngokusebenzisa umqashi wakhe osebenzisana noMedare futhi ehlanganisa imithi yakhe. Ukuqashwa komqashi wakhe kunenani elihle njengengxenye ye-Part D, ngakho kubhekwe njengesikweletu.
Lokhu kusho ukuthi angakwazi ukugcina ukuxhaswa kwakhe okuqashiwe ngumqashi, ukukhokhelwa kwe-Partgo D, kanti futhi angakwazi ukubhalisa ku-Part D kamuva (uma futhi uma ukuphela kwezidakamizwa ezixhaswe ngumqashi sekuphela) ngaphandle kwesijeziso.
Ngokuvamile, akuhlakaniphile ukuhamba ngaphandle kokuthola izidakamizwa nhlobo uma usuMedare. Uma udinga ukufakwa kwezidakamizwa kamuva, uzokhokha ngaphezulu ngenxa yesigwebo esiphezulu (esizosebenza impilo yakho yonke). Futhi ukubhalisa ezimweni eziningi kunomkhawulo wendwangu ka-Okthoba 15-Disemba 7, okubandakanya ukusebenza ngoJanuwari 1. Ngakho uma ngabe uthola ukuthi unesifo esingapheli esidinga imithi ebiza kakhulu ngonyaka ozayo ngoMashi, isibonelo, uzobe unamathele ukukhokha inani eliphelele lemithi yakho yonke unyaka, bese unamathela enhlawulo yokubhalisa sekwephuzile ngemuva kwalokho.
Ngingakhetha Kanjani Ingxenye D YeDrug Plan?
Ungathola ukuhlinzekwa kwe-Medicare Part D kusuka ohlelweni lokumisa wodwa (uma une-Medicare yokuqala) noma uhlelo lwe- Medicare Advantage olwenzelwe ukufakwa kwe-Part D.
Kunezinhlelo ezihlukene ezingaba ngu-20-40 ezihlukene ze-Part D ezidakamizwa ezihlinzekwa izinkampani eziningi zomshuwalense wezempilo ezihlukahlukene embusweni ngamunye (ngo-2018, kunamaphesenti angama-23 ayingxenye ye-Part D kuphela etholakalayo endaweni ngayinye yezwe, ngaphezu 17 Izinhlelo ze-Medicare Advantage ezibandakanya ukufakwa kweNgxenye D). Zonke izinhlelo zeDiski D izidakamizwa kumele zinikeze isethi ejwayelekile yezinzuzo zezidakamizwa njengoba kudingwa yi-Medicare. Ngaphezu kwalokho, izinhlelo zokusebenzisa izidakamizwa zingafaka imithi eyengeziwe kuma-formularies awo.
Izindleko zokujoyina uhlelo zixhomeke ukuthi ngabe uhlelo luhlinzeka ngezinzuzo ezingaphezu kwalezo ezigunyazwe yi-Medicare (okungukuthi, izinzuzo "ezithuthukisiwe"). Lokhu okulandelayo kungabangela ukuthi i-premium yanyangazonke ibe yabiza kakhulu:
- Lolu hlelo luhlanganisa imithi eyengeziwe kwi- formulary yayo
- Lolu hlelo aludingeki ukuba lunqunywe ekuqaleni konyaka (ama-deductibles kwizinhlelo zeNgxenye D ingaba ngaphezu kwama-$ 405 ngo-2018)
- Lolu hlelo luhlanganisa izindleko zemithi ejwayelekile phakathi kwegebe lokuhlanganisa, noma "umgodi we-donut."
Izinhlelo eziyishumi ezidume kakhulu ze-Part D ezizimele zonyaka ka-2018 zinamaprimiyimu ahluka kusuka ku-$ 20 / ngenyanga kuya ku-$ 84 / ngenyanga. Amane alawo maphuzu ayathuthukiswa, kanti ayisithupha ayisisekelo. Phakathi kwezinhlelo ezithuthukisiwe, i-premium ejwayelekile yi-$ 60.48 / inyanga, kanti izinhlelo eziyisisekelo zinamaprimiyamu avamile we $ 31.60 / ngenyanga.
Enye yezinsiza eziwusizo kunazo zonke ku-intanethi ye-Medicare, evumela ukuthi uqhathanise ama-PDP, ufunde mayelana namalungiselelo anikezwe kuhulumeni wakho, futhi uhlole i-formulary ye-drug plan ngayinye. Ungakwazi ukuqhathanisa izinhlelo ngokuhlangene futhi ubonise kuphela lezozinhlelo ezifaka imithi yakho.
Ukwengeza, isayithi ineziphakamiso zokunciphisa izindleko kugebe lokuhlanganisa. Uma ukhululekile ukusebenzisa i-intanethi, ungakhetha futhi ubhalise ohlelweni ku-intanethi. Ungathola ulwazi olufanayo ngokubiza u-Medicare usizo line ku-1-800-Medicare.
Ngingayithola Kanjani Usizo Uma Ngisebenzisa I-Part D YeDrug Plan?
Ngaphambi kokujoyina ipulani yeDiski D, kubalulekile ukuthi uqonde futhi ukhululekile ngokukhetha kwakho. Imiphakathi eminingi inezikhungo eziphezulu nabasebenzi abangakusiza ukukuqondisa ngenqubo yokukhetha.
Uma ubheka ulwazi oluku-intanethi, zama ukugwema amasayithi axhaswe yizinkampani zomshuwalense ezihlinzeka ngezinhlelo zemithi ezidakamizwa. Kunalokho, sibheke amawebhusayithi alawa mazinhlangano:
Isikhungo samalungelo e-Medicare
I-Medicare Rights Center, iqembu elizimele, elingenzi inzuzo, yinhlangano enkulu kunazo zonke e-United States (ngaphandle kohulumeni kahulumeni) ohlinzeka ngolwazi nosizo kubantu abane-Medicare. Isiza saso sinengxenye mayelana nokufakwa kwezidakamizwa ze-Medicare Part D, kufaka phakathi ulwazi mayelana nezinhlelo ezingakusiza ukhokhe izindleko zakho zemithi yesidakamizwa. Isici esiyingqayizivele sesayithi yi-Medicare Interactive Counselor, ithuluzi elikuhamba ngenqubo yokuthola uhlelo lwezidakamizwa elizwakalayo kuwe.
SHIP
Uhlelo lwe-Assistance Assurance Insurance Programme luhlinzeka ngokululekwa kanye nokusiza kwabaguli baseMedare kanye nemindeni yabo. Khetha isimo sakho ukuthola inhlangano yendawo ezokusiza.
> Imithombo:
> Kaiser Family Foundation. I-Medicare Ingxenye D: Ukubuka Okokuqala Emiphakathini Yezidakamizwa Zobhaliso Ngo-2018. Okthoba 2017.
> Medicare.gov. Ingxenye D Isijeziso sokubhalisa esincane.
> Q1Medicare.com. I-CMS ikhishwa izinga eliqediwe elichazwe ngokujwayelekile e-Medicine Part D imithi yemigomo yokuhlinzekwa kwezidakamizwa ze-Medicare Part D. April 2017.
> Ukuphathwa Kwezokuphepha Komphakathi. Ukuqonda Usizo Olwengeziwe Ngomuthi Wakho Wokusetshenziswa Kwemithi Yokudokotela . 2017.