Nzira Yokudzivirira Nayo D Chikamu Chakanyora Kuverengwa Kwechirango
Ngwarira kuti usapinda Medicare Chikamu chekuregererwa kwekuregererwa!
Medicare Chikamu D, chikamu chekurapa mishonga yemishonga, chinopiwa kune vose vane Medicare. Kuti uwane Chikamu D chekushandisa zvinodhaka, unofanirwa kupinda muchirongwa chinotungamirirwa nekambani yveshuwarisi yega yega yakagamuchirwa neMedare (kusimudza-chega Chikamu cheDe D) kana kunyoresa mune chirongwa cheMedare Advantage chinosanganisira kugoverwa kwezvinodhaka.
Nzira Yokubatanidza, Kushandura, kana Kuderedza Medicare Drug Plan
Medicare ine mitemo yakananga pamusoro pekuti iwe uye sei iwe unogona sei kubatana, kushandura, kana kuderedza chirongwa cheMedare Chikamu chemishonga. Iwe unogona kubatanidzwa neChikamu D chirongwa chemishonga:
- Paunotanga kugamuchira Medicare (iyo mwedzi minomwe inotanga mwedzi mitatu isati yasvika iwe unosvitsa 65, inosanganisira mwedzi iwe unosvitsa 65, uye unoguma mwedzi mitatu mushure memwedzi unosvitsa 65).
- Kana ukawana Medicare nekuda kwekuremara, unogona kubatana mukati memwedzi mitatu isati yasvika kumwedzi mitatu mushure memwedzi wegumi nemashanu wemukuremara.
Iwe unogona kubatana, kushandura, kana kuderedza chirongwa cheMedare Chikamu chemishonga:
- Pakati pegore raOctober 15 neDecember 7 gore roga rega, kuitira kupararira kunoshanda kutanga kwegore rinotevera.
- Chero nguva chero ipi zvayo, kana iwe uchikwanisa kubatsirwe Kubatsirwa Kwakawedzerwa kubva kuMedare, kana vari vaviri-vanofanirwa neMedare uye Medicaid.
Medicare inoda kuti kana iwe ukanyoresa muChirongwa cheDhimba D chemishonga, unofanirwa kuramba uchichinyoresa gore rekarenda iro rinotanga zuva raunotanga kuparidzira.
Zvisinei, iwe unogona kugoverana, shandura, kana iwe uri chirongwa chako chemishonga chemishonga pane dzimwe nguva:
- Kana iwe ukabuda kunze kweDe D yako urongwa hwebasa renzvimbo, sekutamira kune imwe nyika.
- Kana iwe uchingorasikirwa nedzimwe chikwereti chine chikwereti chinodhaka.
- Kana iwe uchigara mune imwe nzvimbo yakadai semusha wakwegura kana imwe nzvimbo yekuchengetedza kwenguva refu.
Tsanangudzo yeMagareti yeChirongwa Chine Mishonga Inoshandiswa Kwemishonga Drug Coverage: Kurapa zvinodhaka zvinodhaka (somuenzaniso, kubva kumushandi kana kubatanidzwa) zvinotarisirwa kubhadhara, paavhareji, zvingangoita sekurapa kwemishonga yemishonga. Vanhu vane rudzi urwu rwekugadzirisa apo vanokodzera kuMurengeti vanogona kuchengetedza kugoverwa pasina kubhadhara chirango, kana vakasarudza kunyoresa kuMedarere chirongwa chechirwere chemishonga chinotevera.
The Medicare Part D Zvinyorwa zvekuregererwa kwekupedzisira
Medicare inotora chikamu chekunyora chikamu chikamu chinowedzerwa kuChikamu D chekutanga pamwedzi. Iwe unogona kubhadhara chikwereti chekunyora kwenguva pfupi nekuda kweimwe yezvinotevera:
- Iwe hauna kubatanidzwa chirongwa cheMedare Chikamu chemishonga apo iwe wakatanga kukodzera kuMurengeti, uye iwe wakanga usina imwe mvumo yekubhadhara mishonga yemari.
- Iwe wakanga usina Medicare mishonga yemishonga inorayirirwa kana zvimwe zvikwereti zvinokonzerwa nemishonga kwemazuva makumi matanhatu kana kupfuura mushure.
Cherechedza: Kana ukawana Extra Help, iwe haubhadhara chikwereti chekunyora kunonoka.
Iwe unogona kudzivisa kubhadhara chirango ne:
Kubatana neChirongwa cheD D drug chirongwa apo iwe unotanga kupiwa Medicare.
Kwete mazuva 63 kana kupfuura mumutsara pasina Medicare Part D chirongwa chemishonga kana zvimwe zvikwereti zvinokweretwa. Maererano neMedarere: Kupiwa zvinodhaka zvinokweretesa zvinodhaka kunogona kusanganisira kubudiswa kwezvinodhaka kubva kune iye zvino kana kuti waimbova mushandirwi kana sangano, TRICARE, Indian Health Service, Dhipatimendi reVeterans Affairs, kana hutano hwehutano hwehutano.
Urongwa hwako huchakuudza gore roga roga kana kuvhara kwechirwere ichi chiri chikwereti chinyorwa. Iyi ruzivo inogona kutumirwa kwauri netsamba kana kuiswa munhau inobuda kubva kurongwa. Chengetedza ruzivo urwu, nokuti unogona kuhuda kana ukabatanidza chirongwa cheMedare chemishonga gare gare.
Kuita chokwadi chekuudza chirongwa chako pamusoro pekupihwa kwezvinodhaka zvawakaita kana vakabvunza pamusoro pazvo: Paunosangana neurongwa, uye vanotenda iwe wakaenda mazuva makumi matanhatu mushure mokunge usina imwe mvumo yekuwedzerwa kwemishonga inokweretwa, vachakutumira tsamba. Tsamba yacho ichabatanidza fomu kubvunza pamusoro pekupihwa kwechirwere chawaiva nacho. Pedzisa fomu. Kana iwe usingaudze chirongwa pamusoro pekubhadhara kwako chikwereti, iwe unogona kunge uchibhadhara chirango.
The Penalty Can Add Up!
Kuwanda kwekuregererwa kwekuregererwa kwekunyora kuchakubhadhara kunobva pakuti wakareba sei usina chikwereti chechirwere chechirwere chemishonga. Chirango chekunyora chekupedzisira chinowanikwa nekuwedzera 1% ye "nyika yepasi rose inobhadharwa premium" ($ 35.63 muna 2017) yakawedzerwa nenhamba yemwedzi yakazara yawakakodzera asi haina kubatanidzwa kurongwa hweMedare yezvinodhaka uye wakaenda pasina imwe mishonga inokodzera kuvhara zvinodhaka.
Nhamba iyo ndiyo yakakonzerwa ne $ inoswedera pedyo .10 uye yakawedzerwa kune premium yako yepamwedzi. Sezvo "nyika yeruzhinji inobhadharwa" inogona kuwedzera gore roga roga, chikamu chemari chinogonawo kuwedzera gore negore. Iwe unogona kunge uchibhadhara chirango ichocho chero bedzi uine chirongwa cheMedare chemishonga.
Muenzaniso 1: Amai Jones havana kubatana neChirongwa cheChitsa D paakatanga kutanga akakodzera (musi waMay 15, 2006). Akabatanidza chirongwa chemishonga yeMedare munguva yekubhabhatidzwa kwa2009 (November 15 -December 31, 2009), kuti ave nekunyora kunyoresa musi weJanuary 1, 2010. Sezvo Mai Jones vasina kubatana pavakatanga kukodzera uye vasina kuenda kune imwe mishonga inodhaka Kugoverwa kwemwedzi 43 (June 2007-December 2010), akatongerwa chirango chemwedzi we $ 13.90 muna 2011, apo purogiramu yenyika yose inobhadharwa $ 32.34 ($ 32.34 x.01 x 43 = $ 13.90) kunze kwepurogiramu yake yemwedzi.
Pakazosvika gore ra2017, hurumende yepasi rose inobhadhara mari yakawedzera kusvika $ 35.63, saka chirango chaMnu Jones chakakura kusvika $ 15.32 pamwedzi ($ 35.63 x 0.01 x 43 = $ 15.32). Kana Amai Jones vachienderera mberi neChirongwa cheDhimba D chemishonga kwemakore gumi, chirango chake chichamubhadhara kupfuura $ 1800.00
Muenzaniso 1: VaSmith Smith havana kubatana neChirongwa cheDe D paakanga atanga kukodzera (naJanuary 15, 2010). Akabatanidza chirongwa chemishonga chemishonga munguva yekubhabhatidzwa kwa2010 (November 15 -December 31, 2010), kuti ave nekunyora kunyoresa musi weJanuary 1, 2011. Sezvo Mr. Smith asina kubatanidzwa paakatanga kuva akakodzera uye akaenda pasina imwe mishonga inokwereta Kuvhara kwemwedzi gumi nemana (February 2010-December 2010), akatongerwa chirango chemwedzi we $ 3.56 muna 2011 ($ 32.34 x.01 x 11 = $ 3.56) kunze kwepurogiramu yake yemwedzi.
Pakazosvika gore ra2017, chirango chaMnu Smith (achifunga kuti achiri kuine Medicare Part D chiitiko) chakakura kusvika $ 3.92 pamwedzi, kunze kwepurogiramu yake yemazuva ose ($ 35.63 x 0.01 x 11 = $ 3.92).
> Sources:
> Medicare.gov Chikamu D Chirongwa chekunyora kwekupedzisira.
> Medicare.gov. Nguva Yokunyora Yakapedzisira Nguva Kana Ukawana Rubatsiro Rwakawedzerwa.