Nzvimbo yechipfuva, kana kuti kuvhara, ndiyo imwe yenharo dzinopesana nemishonga ye Medicare Part D mishonga yemishonga yezvipembenene uye yekufunganya kune vanhu vazhinji vakazongobatanidzwa neChirongwa cheDe D yezvinodhaka . Nhau dzakanaka ndeyokuti iri kuramba ichikwira uye muna 2020, iwe uchabhadhara 25 %chete yemishonga yaunobhadhara iwe kana uchingosangana yako deductible (kana iwe unayo).
Kurova Donut Hole
Kunyange zvazvo zvirongwa zvese zvezvinodhaka zvemishonga zvinofanirwa kutsanangurira kuparadzaniswa kwezvinyorwa mumabhuku avo uye kushambadzira, zvinouya sekutya kune vakawanda vanonyora apo vanoenda nokukurumidza kubva pakugadzira minyorwa kana kubhadhara 25 muzana yemishonga inodhura kubhadhara chikamu chikuru pavanopinda mu donut gomba.
Zvisinei, havasi vose vese veMedarera vachapinda muhope yekuvhara uye kana iwe uchikwanisa rubatsiro rwakawedzerwa mukubhadhara mari yako ye Medicare Part D, iwe haungapindi munharaunda yemugove kana.
Nzira iyo Donut Hole Inoshanda
Ichi ndicho chikamu cheChikamu D chechirongwa chemishonga chinodhaka chinodiwa neMedare muna 2018:
- Kana iwe uchibatanidza chirongwa chemishonga chemishonga chinonzi Medicare, iwe unogona kunge uchibhadhara kusvika ku $ 405 yekutanga yezvinodhaka zvako, zvichienderana neurongwa hwako. Izvi zvinozivikanwa sekuti deductible . Zvimwe zvirongwa hazvina kudhakwa.
- Pakati pekutanga kugovera chirongwa (mushure mokunge ductible yakagadziriswa, uchifunga kuti chirongwa chacho chinodhakwa), iwe unobhadhara chikwereti kana mari , uye chikamu chako cheChirongwa D chinodhaka chikwereti chikamu chemuviri wega wega wakavharwa kusvikira huwandu hwekubatanidza (kusanganisira yako deductible) kusvika $ 3,750.
- Kana iwe uye chikamu chako cheChirungu D chekushandisa zvakashandisa madhora 3,750 pamishonga yakavhenganiswa, iwe uchave uri munharaunda yezvipo (sezvo chiyero icho urongwa hwako huripo hunotaridzwawo, hausi iwe pachako wakashandisa izvi zvakawanda kunze kwechirwere chemishonga mari inosvika nenguva iyo iwe unosvika pakatarisana negomba). Musati gore ra2011, waifanira kubhadhara mari yakazara yemishonga yako yemishonga panguva iyo uri munharaunda yezvipo. Zvisinei, kutanga muna 2011, kutengesa kwakatanga kushandiswa kumari yezvinodhaka apo vanhu vakanyorera vakanga vari munharaunda. Muna 2018, iwe haubhadhara chikamu chinopfuura 35 muzana chemari yekuvhara zita-zita rechirwere chemishonga muchirongwa chepakati, uye 44 muzana yemari yezvigadzirwa zvemishonga.
- Nzvimbo inoburitsa inoenderera mberi kusvikira iyo yose yekunze-ye-pocket mari inosvika $ 5,000. Iyi yegore rose yekunze kwemari yekushandisa mari inosanganisira gore rako rekudhara, kubhadharwa , uye kubhadhara mari yakawanda , uye inosanganisira kukanganisa kwemhizha pamishonga yaunowana panguva iri muvharo yekuvhara (naizvozvo kunyange iwe uchibhadhara 35 kubva muzana yemari yemari -kureva madhiragi ari muhomwe yenharaunda muna 2018, 85 muzana yemari yezvinodhaka inotarirwa kune yekunze-ye-muhomwe mari, zvichikubatsira kuti ubudise kubva munharaunda yaunopera nokukurumidza).
- Apo kushandiswa kwemishonga yako kunosvika $ 5,000, chirwere chinopera chinoguma uye chirongwa chako chemishonga chinobhadhara zvizhinji zvezvinodhaka zvemishonga yako yakavharwa kwezvasara zvegore. Iwe uchazove wakagadzirisa chikwereti chiduku ($ 3.35 kana $ 8.35, zvichienderana nekuti mushonga unowanzoita / unofanirwa zita rechikwereti kana zita risina kunaka) kana kubhadhara (5 muzana yemari), chero ipi zvayo yakakura. Iyi nheyo, apo iwe uri kungobhadhara chikamu chiduku zvikuru chezvinodhaka zvinodhaka, inozivikanwa sekushata kwekuvhara .
Imari yakataurwa pamusoro apa inosanganisira mari yekurapa mishonga. Hazvirevi mubayiro wepamwedzi waunobhadhara iwe purogiramu yemishonga yemishonga.
Kuvhara Kunogona Kusiyana Kusiyana Neurongwa Hwako
Zvakakosha kunzwisisa kuti chirongwa chako cheChikamu D chirongwa chemishonga chinogona kusiyanisa kubva kune chirongwa cheMedare chirwere chete kana chirongwa chichikupa iwe zviri nani. Semuenzaniso, chirongwa chako chinogona kubvisa kana kuderedza chiyero chemari yakabviswa. Uye urongwa hwako hunogona kubhadhara nokuda kwechiito kana kuti chinonzi mazita emishonga yemishonga muchikamu chekuvhara.
Health Reform uye Medicare Chikamu D
Chikamu 3301 cheChinakidza Care Act , chakasayirwa mutemo musi waMarch 23, 2010, chinochinja ku Medicare Part D kuderedza mari yako yekunze apo iwe unosvika pakatarisana negomba, kusanganisira:
- Muna 2010, kana iwe waive nemari muchengeti wekuvhara, unofanira kunge wakagamuchira $ 250 rebate kubva kuMedare.
- Kutanga muna 2011, kana iwe ukazosvika panzvimbo yemugove, iwe wakapiwa 50 muzana kukodzero pamutengo wose wezvinodhaka mazita munguva yepasipo.
- Medicare yakatanga kupera muzvikwereti zvakare pamusoro pemari yezvinhu zvose zvezita-brand uye zvinodhaka, kubvira muna 2012 zvichienda mberi. Kubva muna 2018, iwe unobhadhara 35 kubva muzana yemari yezvinodhaka mazita muhuni, uye 44 muzana yemari yekushandisa zvinodhaka.
Pakazosvika 2020, panzvimbo yekubhadhara zana muzana yemari yemishonga yako yemishonga, basa rako richava 25 muzana, pasinei nemazita ezita kana maitiro.
Medicare Chikamu D Mienzaniso
Kuti unzwisise zviri nani mushonga wemishonga inogona kukubhadhara paMedare D, heino mimwe mienzaniso:
Charley Smith
Charley Smith anotora mishonga mitatu kuti apore ropa rake repamusoro uye cholesterol yakakwirira. Iyi mishonga inomubhadhara mari inosvika $ 1,200 muna 2018. Charley ari kuendesa kune chirongwa chemishonga chemishonga chinodhaka chinotapira uye chinopa mishonga yemishonga yemishonga inoshandiswa, iyo inosanganisira deductible uye pasina mishonga yekushandisa zvinodhaka munharaunda.
Izvi ndizvo zvinorayirwa nemishonga inorayirirwa muurongwa waakasarudza:
- Charley achabhadhara deductible ye $ 405 .
- Iye achabhadhara 25 kubva muzana (coinsurance) yemari inosara $ 795 mari yemishonga yake ($ 1200 - $ 405 = $ 795). Zvimwe zvinowanikwa kunze kwehomwe yepamusoro panguva ino yokutanga kugoverwa ichava $ 199 . ($ 795 x 25 muzana = $ 199).
- Sezvo Charley asina kusvika kusvika $ 3 750 yekuvhara kwekutanga, haazopindi munharaunda.
Chirongwa cheCharley chakaitwa gore rose kunze kwechikwata chemishonga chinodhura nemari yake ye Medicare Part D ichava $ 405 (yakabviswa) + $ 199 (chikamu chake 25 muzana yezvokushandisa zvinodhaka) = $ 604 (pamwe nemari yake yemwedzi pamwedzi yeurongwa hweMedarereti D) .
Mary Jones
Mary Jones anotora mishonga mitatu kuti amubate rudzi rwechipiri chirwere cheshuga, kukwirira kweropa, uye cholesterol yakakwirira-dzose zvinodhaka zvemishonga. Iyi mishonga inomubhadhara mari inenge madhora 4 500 muna 2018. Maria akabata chirongwa chemishonga chemishonga chinonzi Medicare chinopa mishonga yemishonga yemishonga inoshandiswa , inosanganisira deductible uye hapana kugoverwa kwemishonga inowanzoita munharaunda.
Izvi ndizvo zvinoshandiswa nemishonga yake yemishonga inodhura muurongwa hwaakasarudza:
- Maria achabhadhara deductible ye $ 405 .
- Iye achabhadhara 25 kubva muzana yemari yemishonga yake ye $ 3,345 inotevera madhagiro emishonga (iyo $ 3,750 pamadhora anodarika $ 405 yakabviswa) kusvikira asvika pakaparara. Zvimwe zvinowanikwa kunze kwehomwe mari munguva iyi yekuvhara nguva ichava madhora 836 (kubva $ 3 345 pane 25 muzana = $ 836.25).
- Sezvo Maria akawana $ 3 750 mumari yekushandisa madhiragi ($ 405 + $ 3 345 = $ 3,750), iye achapinda munharaunda yemugove. Musati gore ra2011, Mariya angadai akave nemhosva yezana rematatu emari yake panguva ino. Zvisinei, sezvo zvose zvinoshandiswa naMariya zvinoshandiswa mazita, zvinongofanira kubhadhara zvikamu makumi matatu nezviviri zvezvinodhaka zvinoshandiswa panguva iyo. Anofanirwa kuunganidza imwe $ 1,250 muzvinodhaka mari asati abuda kunze kwenzvimbo, asi zvose zviripo zvake (35 muzana yemari yezvinodhaka) uye 50 muzana kudhura iyo mushandisi wezvinodhaka anopa ichaverenga kusvika kusvika $ 1,250. Nokudaro izvozvo zvichitora madhora 1,470 mumutengo wezvinodhaka ($ 1,250 akaparadzaniswa ne85 muzana), Mary achangobhadhara mari inenge $ 515 kubva muhomwe yake pachake muhomwe yezvipo (35 muzana yemadhora 1,470).
Mari yaMariya inofungidzirwa yegore negore nemishonga ye Medicare Part D ichava $ 405 (yakabviswa) + $ 836 (chikamu chake 25 kubva muzana chemishonga yake yekushandisa zvinodhaka isati yasvika) $ 515 (zvaanofanira kuita kuripa uri muhomwe yemugove) = $ 1,756 (pamwe chete nezvikwereti zvemwedzi zvepaMurengeti weDhiraire D).
> Sources:
> Medicare.gov. Mariro muBhuku reGap.
> Medicare.gov. Mamwe Mishonga Yokuchengetedza Mishonga Inouya Nokusvika 2020.
> Medicare.gov. Save on Drug Costs.
> Medicare.gov. Gore negore Deductible for Drug Plans.
> U .S. Imba yeVamiririri. Murwere Anodzivirirwa uye Anogadziriswa Care Care Act, Chikamu 3301 . Yakagadzirirwa musi waMarch 23, 2010.