Mariko-Kuchengetedza Mazano Okukubatsira Kuti Uchengetedze Mari
Hurumende yehurumende nehurumende dzakawanda dzehurumende dzine mapurogiramu ekubatsira vanhu vanoda mari shoma kana mishonga pasina. Zvizhinji zvezvirongwa izvi zvinoda kuti iwe uwane kukodzera, izvo zvinowanzobatanidza zera rako, chiyero chemari, hutano hwemhuri, uye iwe iwe kana mumwe wemhuri yako ane hurema.
Vanopfuura 65? Dzokera kune Medicare Part D chirongwa. Medicare Chikamu D inobvumira vanhu vanopfuura makore makumi matanhatu nemasere kuti vasarudze kubva kune dzimwe nhengo dzezvirongwa zvezvinodhaka zvinopa sarudzo yemishonga yemishonga inokosha.
Kune huwandu hwezvirongwa hunoonekwa mune humwe humwe hune hutano hwakavhiringidza hwezvirongwa zvezvirongwa. Izvi zvingaita kuti zvive nyore kwauri kuziva chirongwa chipi chekusarudza uye kana iwe uchachengetedza chero mari pamishonga yako yemishonga. Mienzaniso miviri inotevera inofungidzira inoratidza kuti Medicare Part D inogona sei kana kuti ingasakubatsira kuchengetedza mari pamishonga yako yemishonga:
Mukadzi Smith ane chirwere cheshuga chechirwere cheshuga, kuwedzera kweropa, uye kuora mwoyo. Anotora mishonga mitatu, iyo inonzi metformin yehuga yehuga, enalapril nokuda kweropa rake rakanyanya, uye paroxetine nokuda kwekuora mwoyo kwake. Anotengesa mishonga iyi kune Wal-Mart yemunharaunda yake yekutengesa mari ye $ 10 kwemazuva 90 ekupa mushonga mumwe nomumwe. Sezvo mishonga imwe neimwe inodhura madhora makumi mana pagore x 3, mari yake yegore ndeye $ 120. Iro chirongwa chiduku chinodhura chirongwa chemishonga muhurumende yake ine mari ye $ 27 pamwedzi yegore rinodhura re $ 324. Chikamu D chirongwa chingave chisinganzwisisi kuna Ms. Smith.
Mutungamiri Smith ane chirwere cheshuga chechipiri, chiroro chepamusoro cholesterol, high blood pressure, uye hypogonadism, kana pasi-testosterone, inogona kuitika kune varume vane chirwere cheshuga chechipiri. Anotora mishonga mina, iyo metformin ye shuga yake, simvastatin yepamusoro wake cholesterol, Diovan nokuda kweropa rake repamusoro, uye Androgel nokuda kwekacheka testosterone.
Anotengesa mishonga iyi kune imwe mishonga muchitoro chake. Diovan uye Androgel zvose zvinodhura zvinodhaka uye hazvipi zvinyorwa. Mishonga yaSmith inomutengesa kupfuura madhora 3 500 gore rega rega. Mushure mekubhadhara mari yemwedzi, mwedzi, uye madhiragi, anogona kuchengetedza mari inenge $ 800 gore roga roga nekubatana neChirongwa D.
Une dambudziko kubhadhara Medicare chikamu D? Tarisa neSocial Security Administration (SSA). Kana iwe uri muurongwa hweMedare wezvinodhaka, SSA inogona kusarudza kana iwe uri kukodzera kubhadhara rubatsiro nekubhadhara chikamu cheD Part D, ma-premium, uye mishonga yemishonga. Kana iwe uchikodzera, rubatsiro rwakawedzerwa runogona kukosha kusvika ku $ 3 900 pagore. SSA webusaiti Yemazano Rubatsiro rweMishonga inorayira zvinodhaurwa pamusoro pekushandisa rubatsiro rwekuwedzera rubatsiro uye runopa hukama kune masangano anotendwa anogona kukubatsira kuwana zvigaro munharaunda yako.
Ona kana uri kukodzera kuMedicaid. Purogiramu yeMedicaid inopa rubatsiro rwehutano kumamwe mapoka evanhu vane mari shoma-vamwe vasina hutano hwehutano kana hutano hwehutano hwehutano. Kunyange zvazvo hurumende yehurumende inogadza mitemo yakawanda yeMedicaid, purogiramu inoshandiswa nehurumende imwe neimwe. Hurumende imwe neimwe inosarudza zvipi zvese zvinoshandiswa uye ndezvipi munharaunda iyoyo inokodzera.
Medicaid ine drug formulary uye inobhadhara mishonga yakawanda inodhaka yemishonga.
Kana wakashanda muchiuto, chengeta yako VA inobatsira. Kana iwe uri muchengeti ane chiremera chinokudzwa, unogona kuwana mishonga ye copay inodarika $ 10, uye, pane dzimwe nguva, pasina rusununguko. Enda kunharaunda yako yehutano VA uye enda kuneIndaneti kune VA Health Benefits website.
Muuto? Tsvaga kwako kubva ku TRICARE. TRICARE ndiyo chirongwa chinopa hutano hwemabasa anoshingairira nhengo dzemabasa, National Guard and Reserve nhengo, vashandirwi, mhuri dzavo, vakapona uye vamwe vakambova vakaroorana munyika yose. TRICARE's prescription inobatsira inosanganisira mishonga yemishonga kubva kumapromasi emasitadhi uye mishonga inodhura yakawanda kuburikidza nemakero kana kubva kumadhipatimendi emaresitorendi.
Tarisa mumapurogiramu anotsigirwa nehurumende. Kana iwe usina hutano yveshuwarisi kana uine inshuwarisi iyo haina kuvhara mishonga, hurumende yako inogona kunge ine mapurogiramu chaiwo anogona kukubatsira kuwana mishonga yako. Purogiramu imwe neimwe yehurumende yakasiyana uye inobatsira vanhu vane marudzi akasiyana-siyana ezvido. NeedyMeds inopa ruzivo pamusoro pemapurogiramu mune imwe neimwe yehurumende.
Kune vanhu vane Medicare Part D, hurumende imwe inofanirwa kuva neHurumende Health Insurance Assistance Program (SHIP) iyo inopa vapepi vanogona kukupai pachena pasina rubatsiro nemibvunzo yenyu yeMedare kana matambudziko.
Enda kunharaunda yehutano yemunharaunda kana kliniki yakasununguka. Nharaunda dzehutano dzinotungamirirwa nehurumende yehurumende dzinogona kuwanikwa munzvimbo dzakawanda dzenyika. Aya makiriniki anopa kutarisira kune vanhu vasina inshuwalhu yehutano uye vane shanho dzemari dzinotsvaga zvichienderana nemari. Vakawanda vemakiriniki aya vane ma pharmacy panzvimbo yavo kana vane zvibvumirano nemapromita emunharaunda.
- Wana chiremba wehutano munharaunda yako.
Makiriniki asina ruzivo makiriniki emunharaunda anopa hutano huripo kana kuti mari shoma kuvanhu vasingabatsiri. Aya makiriniki anobatsira varwere vavo kuwana mari shoma kana mishonga isina rusununguko. Mamwe makiriniki asingabhadhari ane ma pharmacy panzvimbo kana kuti anorongeka nemapromasi eko, uye vamwe vanovimba nemashiripiti uye mapurogiramu ekubatsira varwere kwekambani yemishonga.
- Tsvaga kliniki yakasununguka munharaunda yako.