Umlobi: Lewis Jackson
Usuku Lokudalwa: 6 Mhlawumbe 2021
Ukuvuselela Usuku: 1 Ujulayi 2024
Anonim
Umhlahlandlela Wakho Ophelele kwi-Medicare Part D - Impilo
Umhlahlandlela Wakho Ophelele kwi-Medicare Part D - Impilo

-Delile

  • I-Medicare Part D iwukusetshenziswa kwezidakamizwa kadokotela.
  • Ungathenga uhlelo lweMedicare Part D uma ufanelekela iMedicare.
  • Amapulani engxenye D anohlu lwemithi abayibambayo ebizwa ngokuthi i-formulary, ngakho-ke ungatshela ukuthi ngabe uhlelo luhlanganisa imiyalo yakho.
  • Ezinye izinhlelo zeMedicare Part D zifakiwe ezinhlelweni zeMedicare Advantage.

Ukukhetha uhlelo olufanele lweMedicare kubalulekile. Ngezinketho ezahlukahlukene zokumboza, ama-copay, ama-premium kanye nama-deductibles, kungakhungathekisa ukuthola okukhethwa kukho okuhle kakhulu.

I-Medicare wuhlelo lomshuwalense wezempilo oluxhaswe nguhulumeni kubantu abaneminyaka engama-65 nangaphezulu e-United States. Inezingxenye eziningana ezibandakanya izinhlobo ezahlukene zezindleko zezempilo nezokwelapha.

Yini i-Medicare Part D?

I-Medicare Part D yaziwa nangokuthi i-Medicare's prescription drug coverage. Kuyasiza ukukhokhela imithi engamboziwe ezingxenyeni A noma B.


Noma uhulumeni wesifundazwe ekhokha amaphesenti angama-75 ezindleko zemithi engxenyeni D, abantu abamboziwe kusamele bakhokhe amaprimiyamu, ama-copay kanye nama-deductibles.

Ukuphakama namanani kungahluka ngokuya ngecebo olikhethayo. Kubalulekile ukuhlola zonke izinketho ngaphambi kokukhetha uhlelo lwe-Medicare Part D.

Amaqiniso asheshayo ngeMedicare Part D

  • Kuluhlelo lwezinzuzo zemithi kadokotela kulabo abafanelekela i-Medicare.
  • Kufanele ubhalise ku-Medicare Part A noma ku-Part B ukuze ufaneleke.
  • Ukutholakala kwe-Medicare Part D kungakhethwa.
  • Kufanele ubhalise ku-Part D phakathi kuka-Okthoba 15 noDisemba 7. Ukufakwa kwemali akuzenzakaleli futhi izinhlawulo zokubhalisa sekwedlule isikhathi zingasebenza.
  • Usizo lokubhalisa koMbuso luyatholakala.
  • Imithi ehlanganisiwe isuselwa kumafomula ecebo ngalinye (uhlu lwemithi ehlanganisiwe).

Yimiphi imishanguzo ehlanganiswe kwi-Medicare Part D?

Zonke izinhlelo kumele zimboze imithi "ejwayelekile" enqunywe yiMedicare. Ukuhlanganiswa kusekelwe kulokho abantu abaningi abakwaMedicare abakuthathayo. Uhlelo ngalunye lunohlu lwalo lwemithi uhlelo oluhlanganayo.


Izinhlelo eziningi zimboza iningi lemithi yokugoma ngaphandle kwe-copay.

Kubalulekile uma ukhetha uhlelo lweMedicare Part D ukuqinisekisa ukuthi imithi oyiphuzayo iyahlanganiswa. Lokhu kubaluleke kakhulu uma uthatha noma yimiphi imithi ekhethekile noma ebiza kakhulu enegama lomkhiqizo.

Zonke izinhlelo ngokuvamile zinemithi okungenani emibili futhi kaningi eminingi evela ezigabeni nemithi ebekiwe kunazo zonke.

Uma udokotela wakho ekunika umuthi ongekho ohlwini, kufanele bachaze ukuthi kungani kudingeka okwehlukile. I-Medicare idinga incwadi esemthethweni eya enkampanini yomshuwalense echaza ukuthi kungani kudingeka lo muthi. Asikho isiqinisekiso sokuthi okuhlukile kuzovunyelwa. Icala ngalinye linqunywa ngokwehlukana kwalo.

Kusukela ngoJanuwari 1, 2021, uma uthatha i-insulin, i-insulin yakho ingabiza u- $ 35 noma ngaphansi ngokuthengwa kwezinsuku ezingama-30. Sebenzisa i-Medicare ukuthola ithuluzi lokuhlela ukuqhathanisa izinhlelo ze-Medicare Part D nezindleko ze-insulin esifundazweni sakho. Ungabhalisela uhlelo lweNgxenye D ngesikhathi sokubhaliswa okuvulekile (Okthoba 15 kuya kuDisemba 7).

Uhlelo lwemithi lungashintsha imishanguzo noma amanani entengo ohlwini lwabo nganoma yisiphi isikhathi ngenxa yezizathu eziningana, njenge:


  • uhlobo lomkhiqizo luyatholakala
  • intengo yomkhiqizo ingashintsha uma kutholakala i-generic
  • umuthi omusha usuyatholakala noma kunemininingwane emisha mayelana nalokhu kwelashwa noma umuthi

Yini Ingxenye D okufanele ikumboze

Amapulani engxenye D kumele ahlanganise yonke imithi kulezi zigaba:

  • imithi yokwelashwa komdlavuza
  • imishanguzo elwa nokudangala
  • imishanguzo ye-anticonvulsive yezinkinga zokubanjwa
  • imishanguzo yokuzivikela emzimbeni
  • Imithi ye-HIV / AIDS
  • imishanguzo yokulwa nezengqondo

Ngaphezulu kwemithi yokubala, amavithamini, izithasiselo, izimonyo, nemithi yokwehlisa isisindo akunjalo embozwe Ingxenye D.

Imithi kadokotela hhayi embozwe yi-Medicare Part D ifaka phakathi:

  • izidakamizwa zokuzala
  • imithi esetshenziselwa ukwelapha i-anorexia noma okunye ukwehla kwesisindo noma ukuzuza lapho lezi zimo zingeyona ingxenye yokunye ukuxilongwa
  • imithi enikezwe izinjongo zezimonyo noma ukukhula kwezinwele kuphela
  • imithi enikezwe ukukhululeka kwezimpawu ezibandayo noma zokukhwehlela lapho lezi zimpawu zingeyona ingxenye yokunye ukuxilongwa
  • imithi esetshenziselwa ukwelapha ukungasebenzi kahle kwe-erectile

Kungani uzodinga i-Medicare Part D

Imithi iyabiza futhi izindleko ziyaqhubeka zikhuphuka. Ngokusho kweCenters for Medicare and Medicaid (CMS), ukusetshenziswa kwemali yemithi kadokotela kukhuphuke ngokwesilinganiso samaphesenti ayi-10.6 minyaka yonke phakathi kuka-2013 no-2017.

Uma uneminyaka yobudala engama-65 futhi ufanelekela i-Medicare, Ingxenye D inketho eyodwa yokusiza ukumboza izindleko zemithi kadokotela.

Ngubani ofanelekela i-Medicare Part D?

Uma ufanele i-Medicare, ufanele u-Part D. Ukuze ufaneleke ukuthola i-Medicare, kufanele:

  • okungenani ube neminyaka engama-65 ubudala
  • Uthole izinkokhelo zokukhubazeka Komphakathi okungenani iminyaka emibili, noma ngabe lesi sikhathi sokulinda siyasuswa uma uthola ukuxilongwa kwe-amyotrophic lateral sclerosis (ALS) futhi uzokwazi ukuthola inyanga yokuqala uthola inkokhelo yokukhubazeka
  • bathole ukuxilongwa kwesifo sezinso zokugcina (ESRD) noma ukwehluleka kwezinso futhi badinga ukuba ne-dialysis noma ukufakelwa izinso
  • ube ngaphansi kweminyaka engama-20 nge-ESRD futhi okungenani ube nomzali oyedwa ofanelekele izinzuzo Zokuvikeleka Komphakathi

Yiziphi izinhlelo zeMedicare Part D ezitholakalayo?

Kunamakhulu ezinhlelo ongakhetha kuzo ezinikezwa izinkampani zomshuwalense wangasese. Izinhlelo zingahlinzeka ngemithi yokwelashwa kadokotela noma izinketho ezibandakanya izinsizakalo eziningi njengeMedicare Advantage.

Uhlelo oluhle kakhulu lwakho luxhomeke ku:

  • imithi oyisebenzisayo njengamanje
  • noma yiziphi izimo zempilo ezingamahlalakhona onazo
  • ufuna ukukhokha malini (amaphrimiyamu, ama-copay, ama-deductibles)
  • uma udinga imishanguzo ethile emboziwe
  • uma uhlala ezifundeni ezahlukahlukene phakathi nonyaka

Kubiza malini i-Medicare Part D?

Izindleko zixhomeke kuhlelo olukhethayo, ukumbozwa, nezindleko ezingaphandle kwephaketheni. Ezinye izinto ezithinta ongakukhokha zifaka:

  • indawo yakho nezinhlelo ezitholakalayo endaweni yangakini
  • uhlobo lwenethiwekhi oyifunayo
  • izikhala zokumboza ezibizwa nangokuthi "imbobo yedonathi"
  • iholo lakho, elinganquma i-premium yakho

Izindleko zibuye zincike emithini yokwelapha namazinga okuhlela noma "amabanga." Izindleko zemithi yakho zizoya ngokuthi imishanguzo yakho iwela ngaphansi kwayiphi inqanaba. Izinga liphansi, futhi uma lingokwemvelo, i-copay nezindleko ziphansi.

Nazi izibonelo ezimbalwa zezindleko ze-premium ezilinganisiwe zanyanga zonke zokutholakala kwe-Medicare Part D:

  • ENew York, NY: $ 7.50- $ 94.80
  • I-Atlanta, GA: $ 7.30- $ 94.20
  • IDallas, TX: $ 7.30- $ 154.70
  • IDes Moines, IA: $ 7.30- $ 104.70
  • ILos Angeles, CA: $ 7.20- $ 130.40

Izindleko zakho ezithile zizoya ngokuthi uhlala kuphi, uhlelo olikhethayo, nemithi kadokotela oyiphuzayo.

Uyini umgodi wedonut?

Umgodi wedonki yigebe lokumboza eliqala ngemuva kokudlula umkhawulo wokuqala wokumboza wohlelo lwakho lwengxenye D. Ama-deductibles akho kanye nama-copayment abalelwa kulo mkhawulo wokuhlanganisa, njengoba kwenza iMedicare. Ngo-2021, umkhawulo wokuqala wokumboza ngu- $ 4,130.

Uhulumeni wesifundazwe ubelokhu esebenza ukuqeda leli gebe futhi, ngokwe-Medicare, uzokhokha amaphesenti angama-25 kuphela ezindleko zemithi emboziwe lapho usegebe lokuhlanganisa ngo-2021.

Kukhona nesaphulelo esingamaphesenti angama-70 emithini yamagama omkhiqizo ngenkathi usembobeni wamadonathi ukusiza ukukhipha izindleko.

Lapho izindleko zakho zokuphuma ephaketheni sezifinyelele inani elithile, $ 6,550 ngo-2021, ufanelekela ukumbozwa okuyinhlekelele. Ngemuva kwalokhu, uzokhokha kuphela i-copay engu-5% yemithi yakho kadokotela unyaka wonke.

Imibuzo okufanele uyibuze ngaphambi kokubhalisa kwi-Medicare Part D

Lapho uthatha isinqumo ngohlelo, gcina la maphuzu engqondweni:

  • Ngabe imishanguzo engiyiphuzayo manje iyahlanganiswa?
  • Ziyini izindleko zenyanga zonke zemithi yami kuhlelo?
  • Ibiza malini imishanguzo engamboziwe kuhlelo?
  • Yiziphi izindleko ezingaphandle kwe-pocket: i-copay, i-premium, ne-deductibles?
  • Ingabe uhlelo lunikeza ukumbozwa okwengeziwe kunoma yiziphi izidakamizwa ezibiza kakhulu?
  • Ingabe ikhona imikhawulo yokumboza engangithinta?
  • Nginakho ukukhetha kwamakhemisi?
  • Kuthiwani uma ngihlala ezindaweni ezingaphezu kweyodwa phakathi nonyaka?
  • Ingabe uhlelo lunikeza ukumbozwa okuningi?
  • Ingabe ikhona inketho yoku-oda imeyili?
  • Siyini isilinganiso secebo?
  • Ingabe kukhona ukulethwa kwamakhasimende ngohlelo?

Ngabe iMedicare Part D iqhathaniswa kanjani nezinye izinhlelo?

Kunezinye izinketho eziningi zokutholakala kwemithi kadokotela.

Izindleko zincike emithini yakho, kuhlu lohlu lwezidakamizwa, nasezindlekweni ezingaphandle kwephaketheni. Kungumqondo omuhle ukuqhathanisa izinhlelo zokukhetha inketho enhle kakhulu kuwe, futhi iMedicare ibala izinhlangano ezizokusiza ukhethe ngokuya ngesimo sakho.

Kwesinye isikhathi ukushintsha izinhlelo kungahle kube nengqondo futhi konge imali. Abasizi be-Medicare bangakukhombisa ekunqumeni ukuthi ngabe elinye icebo lizoba ngcono kune-Original Medicare ngeNgxenye D.

Amathiphu wokukhetha uhlelo

Nawa amaphuzu ambalwa okufanele uwakhumbule lapho ukhetha uhlelo:

  • Imithetho yokushintsha izinhlelo. Ungashintsha kuphela izinhlelo zezidakamizwa ngezikhathi ezithile nangaphansi kwezimo ezithile.
  • Izinketho zabadala. Uma ungumakadebona, i-TRICARE uhlelo lwe-VA futhi ngokuvamile lubiza kakhulu kunohlelo lwe-Medicare Part D.
  • Izinhlelo zomuthi ezisuselwa kumqashi. Hlola ukubona ukuthi yini okuhlanganiswe yizinhlelo zokunakekelwa kwezempilo zomqashi wakho ukuthola izindleko ezingaphandle kwephakethe uma kuqhathaniswa nohlelo lwengxenye D.
  • Izinhlelo zeMedicare Advantage (MA). Ezinye Izinhlangano Zokulondolozwa Kwezempilo (ama-HMO) noma Izinhlangano Zabahlinzeki Ezikhethwayo (ama-PPOs) Ama-Medicare Advantage ahlela izindleko zezingxenye ze-A, B, ne-D, futhi zingakhokhela nokunakekelwa kwamazinyo nombono. Khumbula, kusazodingeka ubhalise ezingxenyeni A no-B.
  • Amaphrimiyamu nezindleko eziphuma ephaketheni zingahluka. Ungaqhathanisa izinhlelo zokubona ukuthi yini ekunikeza ukumbozwa okungcono kakhulu kwemithi ethile nezidingo zakho zokunakekelwa kwezempilo. Izinhlelo zeMedicare Advantage zingaba nodokotela benethiwekhi namakhemisi. Hlola ukuze uqiniseke ukuthi abahlinzeki bakho bezokunakekelwa kwempilo basesicelweni.
  • Izinhlelo zeMedigap. Izinhlelo zeMedigap (Medicare supplemental Insurance) zisiza ukukhokhela izindleko zokuphuma ephaketheni. Uma uthenge uhlelo lwakho ngaphambi kukaJanuwari 1, 2006, ungahle ube nokuthakwa kwemithi kadokotela. Ngemuva kwalolu suku, uMedigap akazange anikeze ukumbozwa ngemithi.
  • I-Medicaid. Uma une-Medicaid, lapho ufaneleka ukuthola i-Medicare, uzoshintshelwa ohlelweni lwengxenye D ukukhokhela imithi yakho.

Ungabhalisa nini kwi-Medicare Part D?

Ukubhaliswa kwepulani kuncike ku:

  • ukubhaliswa okokuqala lapho uba neminyaka engama-65 (kusuka ezinyangeni ezintathu ngaphambi kwezinyanga ezintathu emva kokuhlanganisa iminyaka engama-65)
  • uma ufanelekile ngaphambi kweminyaka yobudala engama-65 ngenxa yokukhubazeka
  • isikhathi sokubhalisa esivulekile (ngo-Okthoba 15 kuya kuDisemba 7)
  • isikhathi sokubhaliswa okujwayelekile (Januwari 1 kuya kuMashi 31)

Ungakwazi ukujoyina, ushiye, noma ushintshe izinhlelo uma:

  • uthuthele ekhaya lasebekhulile noma esikhungweni sabahlengikazi abanamakhono
  • khipha endaweni yokumboza uhlelo lwakho
  • ulahlekelwe yimithi
  • uhlelo lwakho alunikeli ngezinsizakalo ze-Part D
  • ufuna ukushintshela kuhlelo olulinganiselwe lwenkanyezi engu-5

Ungashintsha futhi izinhlelo ngesikhathi sokubhaliswa okuvulekile unyaka ngamunye.

Uma usuvele unayo imishanguzo kadokotela futhi ifana nohlelo oluyisisekelo lwe-Medicare Part D, ungagcina uhlelo lwakho.

Ingabe kukhona inhlawulo engunaphakade uma ubhalisa sekwedlule isikhathi?

Yize Ingxenye D ingakhethwa, uma ukhetha ukungabhaliseli uhlelo lwenzuzo kadokotela, ungakhokha inhlawulo yokubhaliswa sekwedlule isikhathi ukuze ujoyine kamuva.

Noma ungathathi noma imiphi imishanguzo manje, kubalulekile ukuthi ubhalisele uhlelo lwe-low-premium uma ufuna ukugwema lesi sijeziso. Ungahlala uguqula izinhlelo njengoba izidingo zakho zishintsha ngesikhathi sokubhaliswa okuvulekile unyaka nonyaka.

Uma ungabhalisi lapho uqala ukufaneleka futhi ungenayo eminye imithi oyitholayo, inhlawulo engu-1% iyabalwa futhi ingezwe ku-premium yakho ngenani lezinyanga ongazange uzisebenzise lapho kufanelekile. Le nkokhelo eyengeziwe ingezwa kuma-premium akho uma nje une-Medicare.

Kukhona ezinye izinketho zokuthakwa kwemithi esikhundleni seNgxenye D. Kodwa ukumbozwa kufanele okungenani kube kuhle njengokutholakala kweNgxenye D eyisisekelo.

Ungaba nokumboza okuvela kumqashi wakho, uhlelo lweVeteran's Administration (VA), noma ezinye izinhlelo ezizimele. I-Medicare Advantage kungenye indlela ekhokhela imithi.

Ungabhalisa kanjani kwi-Medicare Part D

Ungabhalisa ohlelweni lwe-Medicare Part D ngesikhathi sokubhaliswa kokuqala kwezingxenye ze-Medicare A no-B.

Uma uhlelo lwakho lwezidakamizwa lungahlangabezani nezidingo zakho, ungashintsha inketho yakho ye-Medicare Part D ngesikhathi sokubhalisa esivulekile. Lezi zikhathi zokubhalisa ezivulekile zenzeka kabili unyaka wonke.

Ukuthatha

I-Medicare Part D iyingxenye ebalulekile yezinzuzo ze-Medicare. Ukukhetha uhlelo olulungile kungasiza ukugcina izindleko zibhekiwe.

Uma usukhethe uhlelo, kufanele uhlale kulo kuze kufike isikhathi esilandelayo sokubhalisa esivulekile esiqala ngo-Okthoba 15. Kubalulekile ukukhetha uhlelo oluhle olusebenzela izidingo zakho.

I-Medicare yangempela eneNgxenye D ikuvumela ukuthi uvakashele ongoti ngaphandle kokudluliselwa. Izinhlelo zeMedicare Advantage zingaba namanethiwekhi nemingcele yendawo yokumboza, kepha izindleko zokuphuma ephaketheni zingaphansi.

Ukukhetha uhlelo oluhle kakhulu lwezidingo zakho zemithi, buyekeza izindleko zakho nezinketho ngokucophelela. Sebenza nomsizi ukukhetha inketho enhle kakhulu noma uthatha isinqumo sokushintsha izinhlelo.

Uma ungenakho ukufinyelela kwe-inthanethi, ungashayela i-800-MEDICARE ngosizo ekukhetheni uhlelo. Ungasho futhi ngohlelo olifunayo bese ubuza imibuzo mayelana nokumbozwa.

Lo mbhalo uvuselelwe ngoNovemba 17, 2020, ukukhombisa imininingwane ye-2021 Medicare.

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.

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