Kubatanidza Medicare Chikamu D Chirongwa Chekushandisa Drug Plan
Medicare Chikamu D inobvumira vanhu vakanyoresa kuMedarere kuti vasarudze kubva kune dzakawanda zvezvirongwa zvechirongwa chemishonga (PDPs) dzinopa sarudzo yemishonga yemishonga inokosha.
Ndingaita Ndini Kubatana neMedarereti D Drug Plan?
Kana iwe uchikwanisa kupiwa Medicare nekuda kwekuti une 65 kana uine hurema, unogona kunyora mushonga weD Medicare Part D. Iwe unogona kunyora mwedzi iwe unosvitsa makore 65, kana mumwedzi mitatu isati yapera kana mitatu mushure mekunge mava nemakore makumi matanhatu nemashanu (izvi zvakangofanana nekunyorwa kwokutanga kweMedare A uye B).
Kana iwe usina kunyora panguva iyoyo mwedzi minomwe, iwe unogona kubhadhara chikwereti chekunyora kwenguva pfupi nenzira yakakwirira yepamusoro.
Kana uine Medicare, unogona kunyora muChirongwa cheDat D inodhaka munguva yekunyora, iyo inotanga musi waOctober 15 uye inopera kusvikira musi waDecember 7 gore roga rega, uye kusarudzwa kwepurogiramu kunoshanda musi waJanuary 1. Kana uine chirongwa cheChikamu cheDhutori chekare , iwe unogona kuchinja kune rimwe chirongwa panguva iyi yekunyora nguva.
Iwe unogona kunyoresa muChikamu D Dhidhiyo chirongwa chero nguva pasina kubhadhara chirango kana une zvose Medicaid uye Medicare, kana kana mari yako inokuita kuti uwane rubatsiro rwekuwedzera rubatsiro ($ 13,820 kune mumwe munhu muna 2017, kana $ 27,600 pamurume nemudzimai).
Ndinofanira kunyoresa mu Medicare Part D Drug Plan?
Pane zvirongwa zvizhinji, zvine hutano hwakawanda hwezvigadziro zvekugadzirisa, zvinowanikwa mune imwe nyika. Izvi zvingaita kuti zvive nyore kwauri kuziva chirongwa chipi chekusarudza uye kana iwe uchachengetedza mari pamishonga yako yemishonga.
Zvikwereti zveChikamu D zvigadziro zvinotangira kubva kudhura mari (zvakadai se $ 20 pamwedzi) kune zvinodarika $ 100 mwedzi mumwe nomumwe, uye zvirongwa zvizhinji zvinowira pasi pe $ 30 kusvika ku $ 60 pamwedzi wega (inowanikwa muna 2018 inenge madhora 43 / mwedzi). Mienzaniso miviri inotevera inoratidza kuti Medicare Part D inogona sei kana kuti isingakubatsiri kuchengetedza mari pamishonga yako yemishonga.
Muenzaniso 1: Ms. Smith ane chirwere cheshuga cheshuga, kukonzerwa kweropa uye kuora mwoyo. Anotora mishonga mitatu, iyo inonzi metformin yehuga yehuga, enalapril nokuda kweropa rake rakanyanya, uye paroxetine nokuda kwekuora mwoyo kwake. Anotengesa mishonga iyi kune Costco yaro yepahara pamutengo wemadhora gumi kwemazuva makumi mapfumbamwe nemakumi mashanu emishonga imwe neimwe. Mariro yegore negore iri $ 120. Iro chirongwa chinodhura chemishonga chemishonga muhurumende yake ine mwedzi wepamwedzi we $ 15 pamwedzi nekuda kwemari yegore ye $ 180. Chikamu cheD D chirongwa chingasaita sechinhu chinonzwisisika munguva shomanana kunaMs. Smith, asi iyo inogona kunge iri mhedziso shoma, nekuda kwechirango chevanhu vanyoresa nguva.
Cherechedza: Mai Smith vanofanira kunge vatenga chirongwa chinodhura muhurumende yavo, pasinei nokuti kuita kudaro hakugone kupa rubatsiro rwekurumidza. Sezvo ane zvirwere zvitatu zvisingagumi zvehutano zvinogona kukura nekukwegura, kune ngozi kuti inofanira kutora mishonga inodhura. Kana izvi zvikaitika, anonyanya kudikanwa kubhadhara Chikamu D Chirongwa Chekunyora Chiripo. Izvi zvinoshanda kunyange kune vaMedari vanopiwa ruzivo avo vane utano hwakakwana, sezvo vashomanana vanogara vari muhutano hwakakwana muhupenyu hwavo hwose.
Muenzaniso wechipiri: Mr. Smith ane chirwere cheshuga chechipiri, uye anotora simvastatin nokuda kweholesterol yake yepamusoro, Diovan nokuda kweropa rake repamusoro, uye Androgel nokuda kwechitsika chake che testosterone.
Anotengesa mishonga iyi kune imwe mishonga muchitoro chake. Diovan uye Androgel zvose zvinodhura zvinodhaka uye hazvipi zvinyorwa. Mishonga yaSmith inomutengesa kupfuura $ 2,000 gore rega rega. Mushure mekubhadhara mari yemwedzi, mwedzi, uye mishonga yemishonga , anogona kuchengetedza mari inodarika $ 500 gore roga roga nekubatanidza chirongwa cheChikamu D chechirwere.
Muenzaniso wechitatu: VaSones Jones vanotora mishonga yakawanda yemishonga inodhura, asi iye anewo chinyorwa kuburikidza nomushandi wake anogarisana neMedare uye anofukidza mishonga yake. Kuparidzirwa kwaanoitwa nomushandirwi kunenge kwakanaka seChikamu cheD D, saka inonzi inokwereta.
Izvi zvinoreva kuti anogona kuchengetedza mushandi wake-kubhadharwa, kufambisa Chikamu D kugovera, uye achiri kukwanisa kunyoresa muChikamu D mushure mokunge (kana uye kana mushandi wake-anotsigira zvinodhaka zvinopera) pasina chirango.
Kakawanda, hazvina kuchenjera kuenda kunze kwekushandisa zvinodhaka chero nguva iwe uri paMedare. Kana iwe uchida kushandisa mishonga yemishonga gare gare, iwe ucharipa zvakawanda nokuda kwekurumidza kurangwa (iyo inoshandiswa kwehupenyu hwako hwose). Uye kunyoresa maitiro akawanda kunowanikwa pawindo raOctober 15 -Dhember 7, rine kugoverwa kwakakwana munaJanuary 1. Saka kana iwe waizoonekwa uine chirwere chisingaperi chine mishonga inodhura mumwaka unotevera muna March, somuenzaniso, iwe unenge uri wakaramba uchibhadhara mutengo wakakwana wemishonga yako kwegore rose, uye zvino wakanamatira nechekupedzisira kunyoresa chirango pashure pacho.
Ndinosarudza Sei Chikamu D Drug Plan?
Iwe unogona kuwana Medicare Part D kugoverwa kubva pane chirongwa chema-stand-alone chirongwa (kana iwe unotanga Medicare) kana chirongwa cheMedricare Advantage chawakagadzirirwa muchikamu cheD D.
Kune zvikamu zve20-40 zvakasiyana-siyana Chikamu D zvezvinodhaka zvinopiwa nezvikamu zvakasiyana zvakasiyana-siyana zvemishonga inshuwarisi yehutano muhurumende imwe neimwe (muna 2018, kune mavhareji e 23 mazvigadziriro zveChikamu D oga anowanikwa munzvimbo imwe neimwe yenyika, kuwedzera kune 17 Medicare Inobatsira zvirongwa zvinosanganisira Chikamu D chekugovera). Zvose Chikamu D zvirongwa zvezvinodhaka zvinofanira kupa mutemo wakazara wemishonga inobatsira sezvinodiwa naMedare. Uyezve, zvirongwa zvemishonga zvinogona kusanganisira mimwe mishonga pamashizha avo.
Mutengo wekubatana nepurogiramu unobva pakuti chirongwa chinopa zvipo kunze kweavo vanorayirwa neMedare (kureva kuti, "zvakasimbiswa" zvinobatsira). Izvo zvinotevera zvinogona kuita kuti premium yemwedzi inodhura:
- Chirongwa ichi chinongedzera mamwe mishonga pamusana waro
- Chirongwa hachina kuderedzwa pakutanga kwegore (kunotswa kwezvirongwa zveChikamu D zvinogona kunge zvakadarika $ 405 zvegore ra2018)
- Iro urongwa hunobatanidza mari inoshandiswa nemishonga inowanzoitika panguva yekuvhara , kana kuti "donut hole".
Vane gumi vanozivikanwa zvikuru-voga Chikamu D D zvirongwa zve 2018 zvine ma-premium anosiyana kubva $ 20 / mwedzi kusvika $ 84 / mwedzi. Zvine zvezvirongwa izvi zvinosimudzirwa, asi zvitanhatu zvinokosha. Pakati pezvirongwa zvakagadziriswa, purogiramu yepamusoro inodarika $ 60.48 / mwedzi, apo zvirongwa zvepamusoro zvine mapurogiramu emadhora e $ 31.60 / mwedzi.
Chimwe chezvinhu zvinobatsira zvikuru paIndaneti ndiyo hurumende yehurumende ye Medicare, iyo inokubvumira kufananidza PDP, dzidza nezvemagadziro anopiwa muhurumende yako, uye uone chirongwa chimwe nechimwe chemishonga yehurumende. Iwe unogona kuenzanisa zvirongwa kune rumwe rutivi uye unoratidzira chete zvirongwa izvo zvinofukidza mishonga yako.
Uyezve, nzvimbo ino ine mazano ekuderedza mari muchengeti. Kana iwe uine rusununguko kushandisa Indaneti, unogona kusarudza nekunyora muurongwa uri paIndaneti. Iwe unogona kuwana ruzivo rwakadaro nokushevedza Medicare rubatsiro rwezera pa 1-800-Medicare.
Ndezvipi Zvimwe Ndingawana Rubatsiro Paunosarudza Chikamu D Drug Plan?
Usati wasangana neChirongwa cheChirongwa cheParamende, zvinokosha iwe unonzwisisa uye unofara nesarudzo yako. Nharaunda dzakawanda dzine mahofisi makuru nevashandi vanogona kukubatsira kutungamira musarudzo yekusarudza.
Kana iwe uchitsvaga ruzivo rwepamusika, edza kudzivisa masayiti ayo anotsigirwa nemakambani einishuwarenzi anopa mishonga yemishonga yemishonga. Pane kudaro, tarisa mawebsite ezvemasangano aya:
Medicare Rights Center
VeMederal Rights Rights, boka rezvimiririra, risingaiti purogiramu, ndiro sangano guru muUnited States (kunze kwehurumende yehurumende) inopa ruzivo uye rubatsiro rwevanhu vane Medicare. Shanduro yaro ine chikamu cheMurengeti weD Medicine kugovera, kusanganisira ruzivo pamusoro pezvirongwa zvinogona kukubatsira kubhadhara mari yako yemishonga inodhaka. Chimwe chinhu chakasiyana chesaiti iyi ndiyo Medicare Interactive Counselor, chimbo chinokufambisa nenzira yekuwana chirongwa chemishonga chinonzwisisika kwauri.
SHIP
Hurumende Health Insurance Assistance Program inopa mazano ekupa mazano uye rubatsiro kuvarwere veMedare uye nemhuri dzavo. Sarudza nyika yako kuti uwane sangano renzvimbo iyo ichakubatsira.
> Sources:
> Kaiser Family Foundation. Medicare Chikamu D: Kutanga Kutarisa Purogiramu Inodhaka Drug Mushonga muna 2018. October 2017.
> Medicare.gov. Chikamu D Kudarika Kuverengwa Kwechirango.
> Q1Medicare.com. CMS inoshandiswa kugadziriswa inotsanangurwa nhengo 2018 Medicare Part D chirongwa chekushandisa chirongwa chekushandisa zvirongwa. April 2017.
> Social Security Administration. Kunzwisisa Kubatsirwa Kwakawedzerwa neMurepa Wenyu Kurapa Drug Plan . 2017.