Kufananidza Chikwereti Chakanaka
Kana iwe uri paMedare, iwe une sarudzo yekuita kana zvasvika pakubhadhara mishonga yako yemishonga. Unofanirwa here kutora Chikamu D D, chirongwa che Medicare Advantage Plan neChikamu cheD D (chirongwa cheMa-PD) kana kutsvaga kuvhara kunze kweMedare? Izvo zvose zvinosara pamusana pekubhadhara chikwereti.
Zvakanaka Zvakadini Chikamu D Zvirongwa?
Kuvharidzirwa kunokweretesa kunoreva kuti inshuwarano yehutano ine mishonga yekurapa zvinodhaka zvinenge zvakakosha seMurengeti weDedare Part D.
Nhau dzakanaka ndeyokuti Chikamu D chekugovera zvakanyanya.
- Chikamu D zvirongwa zvinofanira kupa zvose mazita uye mishonga inowanika inowanika pamapuranga awo, kureva mazita avo emishonga yakavharwa.
- Chikamu D zvirongwa zvinofanira kupa nyore kuwana mishonga yako kuburikidza nekutengesa, kutumirwa kwemasmail, kumanikidzwa kweimba uye kushandiswa kwenguva refu kwemapromasi.
- Chikamu D zvirongwa zvinotarisirwa kuvhara mishonga inenge miviri mune imwe neimwe yemasikirini 148 akasiyana-siyana emishonga. Kune zvikamu zvitanhatu zvevaya makirasi - antidipressants, antipsychotics, chemotherapy agents, HIV / AIDS madhiragi, mafungiro ekudzivirira mafungiro nemishonga yekukurumidza - mishonga yose inenge yakafukidzirwa.
- Chikamu D zvirongwa zvekare hazvigoni kukubhadhara kupfuura 25 muzana yemari yekutengesa yemishonga iyoyo. Icho ndicho chiitiko kunyanya kusvikira iwe uchisvika pakona.
Kufananidza Chikwereti Chakanaka
Zvirongwa zvekushandisa zvikwereti zvinokweretesa hazvifaniri kupa semishonga yakawanda pamigodhi yavo seChikamu D D asi vanofanirwa kusangana nezvinotevera zvinotevera:
- Vanofanira kupa zvose mazita uye mazita emishonga.
- Vanofanirwa kupa kupa kukodzera kwema pharmacy. Tsamba yemirasi ma pharmacy inosarudzwa.
- Vanofanira kubhadhara 60 muzana yemari yemishonga yenyu.
- Vanosanganawo nechimwe chezvinotevera:
- Hapana mhedziso kune zvigadziriswe chirongwa chinopa gore negore kana chirongwa ichi chinobvumirana kubhadhara mari inenge madhora 25,000 gore negore kuenda kumishonga yako.
- Chirongwa ichi chinotarisira kubhadhara mari inenge madhora 2 000 mumari.
- Nokuda kwezvirongwa zvakabatana zvinosanganisira mamwe mazano (mazino, maonero, nezvimwe), chirongwa ichi: a) chinodhakwa chakaenzana kana kana zvisingasviki $ 250, b) kwete muganhu wegore rose wekubatsira kana chibvumirano chekubhadhara mari shomanana $ 25,000 kuenda kumishonga yako yemishonga uye c) rine mari inenge $ 1,000,000 yeupenyu huri pamwe chete huwandu hwekubatsira.
Zvirongwa neKubhadhara Chikwereti
Kana iwe uine hutano hwehutano hwakakonzerwa nekukwereta, hapana chikonzero chekunyora kwechirongwa cheMa-PD kana Chikamu D. Mienzaniso yezvirongwa zvehutano hwezvehutano iyo inobhadhara mari inosanganisira:
- Indian Health Service
- Purogiramu Yezvose-Kubatanidza Kubatsira Vakwegura (PACE)
- TRICARE
- Veteran's Health Benefits
Zvimwe zvirongwa, kunyanya zvirongwa zvevanhu pachavo kana zvirongwa zvehutano zvakabhadharwa, zvinogona kusiyanisa mune mishonga yavanovhara uye kuti vanobhadhara zvakadini. Kana iwe uchikodzera Medicare, zvirongwa izvi zvinofanira kukuzivisa iwe kana zvirongwa zvavo zvikweretwa kana kwete. Vanowanzoita izvi mumutauro wegore negore.
Iwe une kodzero yekuziva kana zvikomborero zvako zvakanaka seimwe hurongwa. Kuvharidzirwa kunokweretesa ndeimwe nzira yokuti iwe uenzanise nehutano pakati pemhando dzakasiyana dzemishonga yekurapa zvinodhaka.
Sei Chikwereti Chakakosha Matter?
Kusabhadharwa mari kunogona kukudhura mari. Izvi zvinoreva kuti Medicare inokupomera iwe chirango kana iwe ukasainonoka kusvika kweChikamu D. Kuisa mukana kwenguva refu kuti iwe kana 1) iwe wakashaya yako Initial Enrollment Period pawakasvitsa makore makumi matanhatu nemakore uye iwe usina kuwana chikwereti chinyorwa panguva iyoyo, 2) iwe wakashaya Nguva yako Yokunyora Yakakosha pawakasiya urongwa hwako hwehutano hwakabhadharwa, kana 3) iwe hauna kunyora mukati memazuva makumi matanhatu nemasere ekurasikirwa kwekubhadhara chikwereti kubva kune imwe nzvimbo.
Chikamu D chirango chakatarwa chinogona kupera chero bedzi iwe une Medicare.