Nzira Yokuchengetedza Mari Muchipatara Chikamu D Kushandiswa Gap
The Affordable Care Act yakasayirwa mutemo musi waMarch 23, 2010 inoshandura mitemo yakawandisa kuMedareti Dzana kuderedza mari yako yekunze paunosvika pakatarisana negomba, kusanganisira:
- Muna 2010, kana iwe waive nemari muchengeti wekuvhara, unofanira kunge wakagamuchira $ 250 rebate kubva kuMedare.
- Kutanga muna 2011, kana iwe ukasvika pakatarisana negomba, iwe uchapiwa 50% kubhadhara pamutengo wose wezita remishonga yemishonga panguva iyo iri.
- Medicare ichagadzirisa mune zvimwe zvidhadharo pamusoro pemari yezita rechipiri nemishonga inogadzirwa .
Pakazosvika 2020, kuchinja uku kuchave kwakanyatsovhara kupera kwekuvhara uye panzvimbo yekubhadhara 100% yemari, basa rako richava 25% yezvakawanda.
Kunyange zvazvo kupera kwekuvhara kwekupedzisira kuchazobviswa, zvakakosha kuyeuka kuti iwe uchange uchiri nemhosva yekubhadhara 25% yemari yemishonga yako yemishonga. Kana iwe ukatora mishonga yakawanda kana iyo inodhura, mari inogona kuramba ichiremedza. Zvakakosha, ikozvino, kuti iwe unoziva nezvezvinhu zvinogona kukubatsira.
Vanhu Vangani Vanosvika kuDonut Hole?
Maererano neshumo re2008 kubva kuKaiser Family Foundation, mamiriyoni 3.4 emishonga yeMedare Part D vakaronga kupinda mukana wekuvhara mishonga mumishonga yavo yemishonga muna 2007. Iri gwa - rinozivikanwa se "donut hole" - ndiyo nguva iyo vanhu vane Medicare chirongwa chemishonga chinofanira kubhadhara 100% yezvinodhaka zvinodhaka.
Kaiser Foundation yakawana kuti vanhu vanopfuura makumi maviri nezana (25%) vakabata chirongwa chemishonga chemishonga chaMedare vakazadza chero mirairo chero ipi zvayo mugore ra2007, vakawana mukana wekuvhara. Vanhu vane zvirwere zvisingaperi, zvakadai seAlzheimer's disease, chirwere cheshuga nekudengenyeka, vaiva nemukana wakakura kwazvo wekusvika pakaparara.
Nenguva isipi Chikamu D Dzakatora Zvinyorwa Zvichizosvika kuDonut Hole uye Vakagara Nguva Yakadini Pakupedzisira?
Inenge hafu yevanhu vose vakabatana nechirongwa cheMedare chirongwa chemishonga chinodhaka chakashandisa zvinodhaka zvakakwana zvakakwana kuti vasvike muganhu wegore muna 2007 vakaita saizvozvo pakupera kwaAugust.
Vanhu vazhinji vakazosvika pakatarisana neJuly kana kuti gare gare vakapedza nguva yose yegore mubasa rekuvhara.
Vanhu Vakashandura Kushandisa Kwavo Mishonga Pavakazosvika kuDonut Hole?
Vamwe vanhu vanoenda kunzvimbo yegomba vanomira kutora mishonga yavo. Kutarisa mhando gumi nemitatu yemishonga inorayirirwa yehutano hwakasiyana-siyana, Kaiser Foundation yakawana kuti vanenge 15 muzana yevanhu vakawana chirango chekuvhara mishonga yavo vakamira mishonga yavo.
Somuenzaniso, 10 muzana yevanhu vane chirongwa chemishonga chaMedare chakanga chiri kutora mishonga yemuromo yekurapa rudzi rwechipiri chirwere cheshuga chakasvika pakuvhara kwekuvhara kurega kutora mishonga yavo. Kune munhu ane chirwere cheshuga, kumira mishonga kunyange kwenguva pfupi kunogona kukonzera zvinetso zvakakomba zvehutano.
Ndingaita Sei Kuti Ndiderere Mishonga Yangu Inodhaka MuDonut Hole?
Funga kuchinja kune mishonga inodhura
Imwe yenzira dzakanyanyisa yekuderedza mari yako yemishonga inodhaka muhomwe yehuni ndiyo kushandura kuti ude mari shoma kana mishonga inogadzirwa , iyo inowanika uye yakakodzera.
Iwe unogona kutaura nachiremba wako pamusoro pemishonga yauri kutora ikozvino kuti uone kana kune mazita emhando kana madhura-mazita emishonga emishonga ayo angashanda pamwe chete neauri kutora iye zvino.
Somuenzaniso, kana iwe wakatora Zoloft nokuda kwekuora mwoyo, unogona kuchengetedza kudarika $ 100 mwedzi mumwe nomumwe nekushandura sertraline, shanduro yeZoloft.
Raira mwedzi mitatu yemishonga yako
Kana iwe uine chirwere chisingaperi, chakadai seshuga, bvunza chiremba wako kuti anyore mishonga yemazuva 90 ekupa mishonga yako. Mishonga yakawanda yemishonga yemishonga inopa kubhadhara kana ukashandisa purogiramu yavo yekuraira tsamba .
Uyewo, ma pharmacy ako epasi anogona kukupa mazuva makumi mapfumbamwe emishonga yemishonga yako pamutengo mumwechete seurongwa hwekunyora tsamba.
Tsvaga ruzivo rwemadzinza nenyika
Nhamba dzakawanda dzenyika uye dzinharaunda dzakabatsirwa dzine mapurogiramu anogona kukubatsira nemari yemishonga yako. Nzvimbo yakanaka yekutanga ndiyo webhusaiti yeBhitsva Yekuongorora, basa reNational Council on Aging. Nzvimbo iyi inopa ruzivo rwekuverenga-nyore-kuverenga nezverongwa hweMedare rwemishonga, iwe ungawana sei mamwe mazano uye kuti ungakumbira sei rubatsiro rwekuwedzera.
Tarisa kune mapurogiramu anobatsira mishonga
Makambani makuru makuru emakambani anopa mapurogiramu anobatsira kuvanhu vakanyoresa chirongwa cheMedare chemishonga. Iwe unogona kuona kana Murwere Mushandi Wepurogiramu anopiwa nevanogadzira mishonga yamunotora nekushanyira pepa re Pharmaceutical Assistance Programri pawebsite yeMedare.
Zvose zvaunoda kuita ndezvipi kuwana mishonga yako mu-alphabetical list. Nzvimbo iyo inopa ruzivo pamusoro pezvirongwa zvekuchengetedza zviripo uye kubatana kunzvimbo yekambani yezvinodhaka kuwana ruzivo rwokuti ungakumbira sei rubatsiro.
Funga nezvehurongwa hwehutano hwemishonga
Zvinyorwa zvinopfuura makumi maviri zvinopa rubatsiro nekubhadhara mapurogiramu emishonga yemishonga uye zvimwe zvinodhaka zvinodhaka. Iwe unogona kuziva kana nyika yako ine purogiramu nekushanyira pepanhau reHeral Pharmaceutical Assistance Programme pawebsite yeMedare.
Shandisa Purogiramu Yakawedzerwa Kubatsira
Kana uine chirongwa cheMedare chemishonga uye une mari shoma uye mari, iwe unogona kuwana rubatsiro rwakawedzerwa kubhadhara mishonga yako yemishonga.
Iyi rubatsiro runowanikwa, runowanikwa kuburikidza neSocial Security Administration, inogona kukuchengetedza mari nekubhadhara chikamu chemarikiti yako yemwedzi, chekudzikinurwa kwegore negore uye mishandisi yemishonga. Purogiramu Yedzimwe Kubatsira inogona kukuchengetedza kusvika ku $ 3 900 pagore.
Pane Chinhu Chandingaita Kudzivisa Donut Hole?
Ehe. Iwe unogona kudzivisa gomba rekushandisa kana uchikwanisa kuchengeta mari yemishonga yako iri pasi pe $ 2,840 muna 2011. Imwe yenzira dzakanakisisa dzekuita izvi ndokukumbira chiremba wako kuti akuendese kumishonga inogadzirwa, kana iripo uye yakakodzera.
Unoita Chikamu D Zvinodhaka Zvirongwa Zvokubhadhara Zvinodhaka MuDonut hole?
Ehe. Muna 2011, dzimwe zvirongwa zveMedare zveDhirwa zvine zvirongwa zvekushandisa zvinodhaka munharaunda. Zvirongwa izvi, zvisinei, zvingangodaro zvine mwedzi wepamwedzi wepamwedzi uye ichabhadhara mimwe mishonga yemagetsi.