Izindleko Zokulondoloza Izindleko Zokukusiza Ukulondoloza Imali
Uhulumeni wesifundazwe kanye nohulumeni abaningi basehulumeni banezinhlelo zokusiza abantu abadinga izindleko eziphansi noma imithi yamahhala. Eziningi zalezi zinhlelo zidinga ukuthi uhlangabezane nemigomo yokufaneleka, evame ukufaka iminyaka yakho, izinga lokuthola imali, usayizi womndeni, nokuthi ngabe wena noma yiluphi ilungu lomndeni unokukhubazeka.
Ngaphezu kuka-65? Joyina uhlelo lwe-Medicare Part D. I-Medicare Part D ivumela abantu abangaphezu kweminyaka engama-65 ukuba bakhethe kusuka ezinombolweni zamaphilisi ezinikezela iqoqo lezinsizakalo eziyisisekelo zemithi.
Kunamapulani amaningi atholakalayo esifundeni ngasinye enokuzidibanisa kwezinketho zezinhlelo. Lokhu kungenza kube nzima kuwe ukwazi ukuthi yikuphi uhlelo lokukhetha nokuthi ngabe uzoyilondoloza yini imali kwimithi yakho yokwelashwa. Izibonelo ezimbili ezilandelayo ezibonisa ukuthi i-Medicare Part D ingahle kanjani noma ingakusizi ukuthi ugcine imali kwimithi yakho yokwelapha:
UNksz Smith une-type 2 yesifo sikashukela, 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 kuWal-Mart wendawo yakhe ngezindleko zamaRandi ayi-10 ngokunikezwa kwemithi ngayinye kwezinsuku ezingu-90. Njengoba imithi ngayinye idlala u-$ 40 ngonyaka x 3, izindleko zayo zonyaka yi-$ 120. Uhlelo lokusetshenziswa kwezidakamizwa olubi kakhulu lwe-Medicare esifundazweni sakhe lunemali engama-dollar angu-27 ngenyanga ngezindleko zonyaka zama-$ 324. Isicwangciso seNgxenye D singenangqondo kuMnuz Smith.
UMnu. Smith une-type 2 yesifo sikashukela, i-cholesterol ephezulu, ukucindezelwa kwegazi, ne-hypogonadism, noma i-testosterone ephansi, engenzeka kumadoda ane-type 2 yesifo sikashukela. Uthatha imithi emine, okungukuthi i-metformin yesifo sikashukela, i-simvastatin ye-cholesterol yakhe ephakeme, i-diovan yokucindezela kwegazi eliphezulu, 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 isamlahle ngaphezu kuka $ 3,500 ngonyaka. Ngemuva kokukhokha i-premium yakhe yenyanga, ama-copucs aductible, kanye nezidakamizwa, angasindisa imali engaba ngu-$ 800 ngonyaka ngonyaka ngokujoyina isigaba se-Part D.
Ukuba nenkinga yokukhokhela i-Medicare ingxenye yeD? Hlola ne-Social Security Administration (SSA). Uma usuhlelo lwezidakamizwa lwe-Medicare, i-SSA inganquma ukuthi ufanelekile yini usizo olwengeziwe ngokukhokha ama-deductibles wakho we-Part D, ama-premium, nama-copays ezidakamizwa. Uma ufaneleka, usizo olwengeziwe lungadinga u-$ 3,900 ngonyaka. Iwebhusayithi ye-SSA Usizo lweMithi eDayimenshini yemithi linolwazi mayelana nokuthi ungafaka kanjani usizo olwengeziwe futhi unikeza izixhumanisi ezinhlanganweni ezithembekile ezingakusiza ukuthola izinsiza emphakathini wakho.
Bona ukuthi ufanelekile yini ku-Medicaid. Uhlelo lwe-Medicaid lunikeza izinsizakalo zokunakekelwa kwezempilo emaqenjini athile abantu abahola imali encane - abanye abangenayo umshuwalense wezempilo noma umshuwalense wezempilo okwanele. Nakuba uhulumeni wesifundazwe esungula iziqondiso ezijwayelekile zeMedicaid, lolu hlelo luqhutshwa yizifundazwe ngabanye. Isimo ngasinye sinquma ukuthi yiziphi izinsizakalo ezihlanganisiwe nokuthi ngubani onjalo esifanelekile.
I-medicaid ine- formulary yezidakamizwa futhi ikhokhela izidakamizwa eziningi ezidingekayo.
Uma ukhonza empini, hlola izinzuzo zakho ze-VA. Uma ungumuntu omdala onokuhlonishwa, ungathola imithi ye-copay engaphansi kuka-$ 10, futhi, kwezinye izimo, mahhala. Vakashela isikhungo sakho sezempilo se-VA noma uhambe ku-intanethi kuwebhusayithi ye-VA Health Benefits.
Ezempi? Thola ukunakekelwa kwakho kusuka ku-TRICARE. I-TRICARE yilona hlelo olunikeza ukunakekelwa kwezempilo ngamalungu omsebenzi osebenzayo, amalungu e-National Guard and Reserve, abahlala emndenini, imindeni yabo, abasindile kanye nabanye abashade nabo emhlabeni wonke. I-TRICARE inzuzo yokuthola imithi ihlanganisa imithi yamahhala kusuka kuma-pharmacies asezempi nemithi ebiza izindleko ngeposi noma kuma-pharmacy wenethiwekhi yokudayisa.
Bheka izinhlelo ezixhaswe nguhulumeni. Uma ungenayo umshuwalense wezempilo noma unomshuwalense ongahlanganisi imithi, isimo sakho singase sibe nezinhlelo ezikhethekile ezingakusiza ukuthola imithi yakho. Uhlelo lukahulumeni ngalunye luhlukile futhi lusiza abantu abanezidingo ezahlukene. I-NeedyMeds inikeza ulwazi mayelana nezinhlelo ezizweni ngalinye.
Kubantu abane Medicare Part D, umbuso ngamunye kudingeka ukuba ube nohlelo lwe-Assurance Insurance Assistance (SHIP) lombuso ohlinzeka abeluleki abangakunikeza mahhala ngeminye imibuzo ngemibandela noma izinkinga zemithi yakho.
Vakashela isikhungo sempilo yomphakathi noma ikliniki yamahhala. Izikhungo zezempilo zomphakathi ezilawulwa uhulumeni wesifundazwe zingatholakala ezingxenyeni eziningi zezwe. Le mitholampilo ihlinzeka ukunakekelwa kubantu abangenawo umshuwalense wezempilo futhi babe nesilinganiso sokukhokha esekelwe engenayo. Eziningi zalezi mitholampilo zinama-pharmacy esiteshini noma zinezivumelwano nama-pharmacy omphakathi.
- Thola isikhungo sempilo emphakathini wakho.
Imitholampilo yamahhala imitholampilo yomphakathi enikeza ukunakekelwa kwezempilo mahhala noma okuncane kakhulu kubantu abangaqinisekisiwe. Lemitholampilo isiza iziguli zabo ukuthola izindleko eziphansi noma imithi yamahhala. Ezinye imitholampilo yamahhala zinamaphilmasi esiteshini noma zinamalungiselelo ama-pharmacy wendawo, kanti abanye bathembela kuma-sampuli kanye nezinhlelo zokusiza iziguli zenkampani yezokwelapha.
- Thola umtholampilo wamahhala emphakathini wakho.