Uzokhokha Kakhulu Kangakanani?
I-Medicare Part D yaqala ukuhlinzeka ngezidakamizwa zokudakwa kwezidakamizwa ngonyaka ka-2006. Ngaphambi kwalokhu, abadala kumele bazibophezele. Umthwalo wezindleko zezidakamizwa uphakeme nabamerica abaneminyaka engama-65 no-79 ubudala abagcwalisa imiyalelo engu-27.3 ngonyaka kanye nalabo asebekhulile kuneminyaka engu-80 ubudala abagcwalisa imiyalelo engu-29.1 ngonyaka.
Namuhla abadala bangakhetha uhlelo lwe-Part D, bakhokhele i-premium yenyanga futhi benze amakhophiyayintshi angabizi noma ukukhokhelwa kwemali yezindleko zezidakamizwa.
Inkinga yukuthi Ingxenye D inegejethi yokuhlanganisa eyaziwa ngokuthi i-donut hole futhi akuyona into enhle kakhulu.
Ingxenye D inikezela ukufaka inani elilodwa lamadola (cabanga ukudla ohlangothini olulodwa lomnikelo), bese uhlahlela (cabanga ukufika endaweni engenalutho phakathi) bese uqala ukukhokhelwa emva kokusetshenziswa kwemali ethile (cabanga ukuthi uthola kanjani kuya kolunye uhlangothi lomnikelo).
Unyaka ngamunye Medicare usetha umkhawulo wokufakazela ingxenye yokuqala yomnikelo, umgodi wangaphambili. Okukhokhayo nokuthi yini iMedricare ekhokhela izidakamizwa zakho iyobalelwa kulo mkhawulo wezindleko. Izinkokhelo zakho zenyanga zonke azibheki kulezi zindleko futhi azenzeki imishanguzo engazange ihlanganiswe uhlelo lwakho lwe-Part D noma imithi ethengwe kwamanye amazwe.
| Izindleko Ozikhokhayo | Izindleko Ezithatha Imithi |
| Imali Medicare ikhokha imali yakho |
Ngemuva kokuthi ususebenzise umkhawulo wemkhawulo wokufaka, ufaka umgodi we-donut.
Ngenkathi Ingxenye D iqalile kuqala, ngabe ulalele ukukhokhela amaphesenti angu-100 ezindleko zakho zemithi. Manje Medicare izokhokha iphesenti elithile lezindleko futhi lelo nani likhula njalo ngonyaka wakho ngenxa ye-Obamacare. I-Obamacare ihlose ukuvala umgodi wokudonsa ngo-2020 .
| Unyaka | Igama LamaGreki | Izidakamizwa ezijwayelekile |
| 2015 | Amaphesenti angu-55 | Amaphesenti angu-35 |
| 2016 | Amaphesenti angu-55 | Amaphesenti angu-42 |
| 2017 | Amaphesenti angu-60 | Amaphesenti angu-49 |
| 2018 | Amaphesenti angu-65 | Amaphesenti angu-56 |
| 2019 | Amaphesenti angu-70 | Amaphesenti angu-63 |
| 2020 | Amaphesenti angu-75 | Amaphesenti angu-75 |
Wena unamathele emgodini wokuxhuma uze uchithe inani elithile lama dollar elibekwa minyaka yonke ngu-Medicare. Izinkampani zokwelapha zizokunika isaphulelo samahhashi angu-50 emithonjeni yegama lomkhiqizo phakathi nomgodi we-donut. Noma iyiphi imali esetshenziselwa uhlelo lwakho lwe-Part D ayinalo kule mali. Okunye futhi, izinkokhelo zakho zenyanga nenyanga noma izidakamizwa ezingaphandle zingabalwa ngokuqondene nezidingo zomgodi we-donut.
| Izindleko Ozikhokhayo | Ezinye izindleko |
| Isamba umxhaso wezokwelapha ukhokhela imithi yakho yegama lomkhiqizo (hhayi imithi yakho yemithi) Okuthi uhlelo lwakho lwe-Part D lukhokha alukwazi ukubalwa |
Ngemuva kokuba usuqedile umthamo womgodi we-donut, ufaka isikhathi sokufakwa kwengozi lapho ukhokha khona ama-copay angabizi ngemithi yakho kuze kube sekupheleni konyaka. Ngo-Januwari 1, inqubo iqala futhi.
| Ukusetshenziswa kwezidakamizwa | 2015 | 2016 |
| Umkhawulo Wokuqala Wokuqala | $ 2,960 | $ 3,310 |
| I-Donut Hole | $ 1,740 ($ 4,700 izindleko eziphelele zonyaka) | $ 1,540 ($ 4,850 izindleko eziphelele zonyaka) |
| Ukuphazamiseka Okubi |
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Umgodi we-donut ungaba umqondo okhohlisayo ukuqonda. Ngenjabulo ngo-2020, kuyoba lula nakakhulu ukuvala umgodi we-donut.
Umthombo
Izinguquko ekusetshenzisweni kwezempilo kanye nemithi. I-IMS Institute for Healthcare Informatics. http://www.imshealth.com/deployedfiles/imshealth/Global/Content/Corporate/IMS%20Health%20Institute/Reports/US_Use_of_Meds_2013/Percent_population_prescriptions_per_capita.pdf Kufinyelelwe ku-Agasti 12, 2015.