Nzira Yokubhadharisa Mari yako yePecription Drug
Pasati ya2006, Medicare haina kuvhara mishonga yemishonga, kunyanya kwete yakawanda yavo. Nhamba shoma yemishonga yakapiwa pasi peMedareti B , asi zvisinei, waifanira kubhadhara mishonga yako kubva muhomwe.
Izvo zvose zvakachinja apo Mutungamiri George W. Bush akapfuura Medicare Prescription Drug, Improvement, uye Modernization Act (MMA) muna 2003.
Mutemo wakasika izvo zvatinoziva zvino nezveMurereti weDD, chikamu chekuda kweMedare inopa mishonga yekurapa zvinodhaka.
Chikamu D zvirongwa zvinoshandiswa nemakambani einishuwarenzi ega, kwete hurumende. Zvisinei, hurumende yehurumende inoisa mirayiridzo pamusoro pemishonga inokosha yezvirongwa izvi zvinofanira kuvhara uye kuti iwe unogona kubhadhara mari yakawanda sei. Bhuku rino rinotaura zvose zvaunoda kuziva pamusoro pezvauchazobhadhara kuna Medicare Part D gore rino.
Chikamu D Chingakanganiswa
A deductible ndiyo mari yemari yaunopedza kubva muhomwe usati wawana mishonga yemishonga inobatsira. Urongwa hwako hungave kana hungave usina deductible. Izvo zvakanyanya zvakakonzerwa nepurogiramu inogona kutengesa gore ra2017 inokwana $ 400, kuwedzera kwe $ 40 kubva muna 2016.
Chikamu D Premiums
Chekutanga ndiyo mari yaunoshandisa mwedzi woga woga kuti uwane chirongwa chehutano. Hurumende haisi mvumo yepamutemo pamitengo yepamusoro uye mitengo inowanzosimudza gore negore. Muna 2017, mari yekutanga yeChikamu cheD D inoronga madhora makumi maviri nemakumi matatu pamwedzi.
Zvirongwa zvine kuparidzirwa kwakawedzerwa zvinodhura zvakawanda.
Chikamu D Dare reNyika yeVabatsiri Premium
Usavhiringidza nheyo yenyika yekubhadhara premium (NBBP) nemari yako yemwedzi pamwedzi. Kunyange zvazvo nhamba dzacho dzaigona kunge dzikafanana, dzinowanzova. Iyo NBBP inokosha inoshandiswa kuverenga kuti iwe unokwereta zvakadini muChikamu cheDe D kana iwe unyoresa munguva pfupi kuti uwane rubatsiro.
Bhiza rako rakanakisisa nderokudzivirira chikamu cheD D zvachose, saka iva nechokwadi chokuti unoshandisa iyi kalenda inobatsira yaMedarere kuti ubhalise panguva . INBBP inokwana $ 35.63 ye 2017.
Chikamu D Mishonga Inobatanidza Mari Inogadziriswa Inowanikwa
Hurumende inokupawo zvimwe zvekuwedzera kweChikamu D zvichienderana nemari yako. Izvi zvinozivikanwa seMari-Related Related Medicare Adjustments Amounts (IRMAA). Iwe uchabhadhara mwedzi miviri IRMAA kune hurumende yehurumende pamwe chete nemishandirapamwe yemwedzi kune imwe kambani yveshuwarenzi.
| Inowanikwa | Zvaunotora 2017 Zvinodhura | Shanduka kubva muna 2016 |
| Pasi pe $ 85,000 | $ 0 pamwedzi | $ 0 kuwedzera pamwedzi pagore |
| $ 85,000 - $ 107,000 | $ 13.30 pamwedzi | $ 0.60 kuwedzera pamwedzi $ 7.20 kuwedzera kwegore |
| $ 107,000 - $ 160,000 | $ 34.20 pamwedzi | $ 1.40 kuwedzera pamwedzi $ 16.80 kuwedzera kwegore |
| $ 160,000 - $ 214,000 | $ 55.20 pamwedzi | $ 2.40 kuwedzera pamwedzi $ 28.80 kuwedzera kwegore |
| Zvinopfuura $ 214,000 | $ 76.20 pamwedzi | $ 3.30 kuwedzera pamwedzi $ 39.60 kuwedzera pagore |
| Inowanikwa | Zvaunotora 2017 Zvinodhura | Shanduka kubva muna 2016 |
| Pasi pe $ 170,000 | $ 0 pamwedzi | $ 0 kuwedzera pamwedzi pagore |
| $ 170,000 - $ 214,000 | $ 13.30 pamwedzi | $ 0.60 kuwedzera pamwedzi $ 7.20 kuwedzera kwegore |
| $ 214,000 - $ 320,000 | $ 34.20 pamwedzi | $ 1.40 kuwedzera pamwedzi $ 16.80 kuwedzera kwegore |
| $ 320,000 - $ 428,000 | $ 55.20 pamwedzi | $ 2.40 kuwedzera pamwedzi $ 28.80 kuwedzera kwegore |
| Zvinopfuura $ 428,000 | $ 76.20 pamwedzi | $ 3.30 kuwedzera pamwedzi $ 39.60 kuwedzera pagore |
| Inowanikwa | Zvaunotora 2017 Zvinodhura | Shanduka kubva muna 2016 |
| Pasi pe $ 85,000 | $ 0 pamwedzi | $ 0 kuwedzera pamwedzi pagore |
| $ 85,000 - $ 129,000 | $ 55.20 pamwedzi | $ 2.40 kuwedzera pamwedzi $ 28.80 kuwedzera kwegore |
| Yakakura kudarika $ 129,000 | $ 76.20 pamwedzi | $ 3.30 kuwedzera pamwedzi $ 39.60 kuwedzera pagore |
The Donut Hole
Medicare Chikamu D chiri kure nekukwana. Chaizvoizvo, ine gomba guru mairi. Izvozvo zvinonzi " pitut hole" inoparadzanisa chirwere chinoitika mushure mokunge iwe uye Medicare vakashandisa mari yakawanda pamishonga yenyu yemishonga. Mushure mokunge mari yacho yapera, iwe wakasara kubhadhara mishonga yako iwe pachako kusvikira wapedza zvakakwana kuti uwane "njodzi yekuvhara" kuburikidza neChirongwa D D.
Nzvimbo yemugove inopera muna 2017 kuburikidza neCountable Care Act, aka Obamacare . Kutanga muna 2013 mitemo muAne Affordable Care Act zvishoma nezvishoma zvakaderera kuti iwe ungadai wakamanikidzwa kushandisa mari muhomwe pamishonga yako. Kana aya mitemo ichienderera mberi, kureva kana iyo Inotengeswa Care Act isingabviswa , nzvimbo inobatsira ichavharwa ne2020.
Kusvikira panguva iyoyo, mari yaunobhadhara usati wapinda munharaunda yemugove, inozivikanwa seyokutanga kuvhara, inowedzera kubva ku $ 3 310 kusvika ku $ 3 700 muna 2017. Iyi ndiyo nhau huru. Zvinoreva kuti zvinotora nguva yakawanda usati wapinda munharaunda yemugove.
Kana uchinge uri munharaunda yebasa, panzvimbo yekubhadhara chikamu chako chinowanzoitwa chikamu cheD Part, iwe uchabhadhara makumi mana kubva muzana yemishonga yemazita uye 51 muzana yemishonga yemishonga , kwete yako yaunowiripa copays. Gore roga roga kuburikidza ne2020, iwe uchabhadhara zvikamu zviduku pamishonga yako kusvikira gomba rinopfigwa pa25 muzana.
Iwe uchapedza $ 1,250 munharaunda yekubatsira muna 2017 kana uchienzanisa nemadhora 1,540 muna 2016. Mushure mokunge maita mari iyi, iwe unopinda chikamu chekuvhura kwakaipisisa kwaunenge uchibhadhara $ 3.30 chete pamishonga inowanzoita uye $ 8.25 pamishonga yemishonga yemwedzi mumwe nomumwe.
Ita shanduro iyi yekutsvaga kuti ikubatsire kuburikidza nemugove wekushandisa .
Shoko Rinobva
Mishonga yemishonga inogona kuve yakadhura asi usarega izvozvo zvichityisidzira iwe. Ziva izvo Medicare yako Dhauriro D inoronga uye yakawanda sei unogona kutarisira kubhadhara. Ne ruzivo urwu ruri muruoko, iwe unogona kugadzirisa gore rekutanga uye uchengetedze zvishamiso zvese zviripo.