Ukuchaza Umthombo Obolekekileyo
Ukuba ukhona kwi-Medicare, unokukhetha ukwenza xa kuziwa ekuhlawuleleni izidakamizwa zakho zemithi. Ngaba ufanele ukhethe isicwangciso seCandelo D, iSicwangciso seMpilo ye- Medicare kunye neCandelo D (iplani ye-MA-PD) okanye ukhangele i-postage ngaphandle kwe-Medicare? Zonke zihlala kwi-creditable coverage.
Zizilungele njani iCandelo D Izicwangciso?
Ukubhengezwa kweentengo zemali kuthetha ukuba i-inshorensi yakho yezempilo inempilo yobuncinane benkcazo yemithi ubuncinane njengeCandelo le-Medicare Part D.
Iindaba ezilungileyo kukuba iCandelo D lifikelela kakhulu.
- Izicwangciso zeCandelo D kufuneka zinikeze zombini igama lomenzi kunye nemichiza enokufumaneka kwi- formularies yabo, oko kukuthi uluhlu lwabo lweemithi ezigqityiweyo.
- Izicwangciso zeCandelo D kufuneka zinikeze ukufikelela okulula kumachiza wakho ngokuthengisa, umyalelo weposi, ukunyuswa kwamakhaya kunye nokunyamekela kwexesha elide.
- Izicwangciso zeCandelo D zifunwa ukugqithisa ubuncinane amayeza emibini kwiiklasi eziyi-148 ezihlukeneyo. Kwiintandathu zeeklasi - izidandlululo, i-antipsychotics, i-chemotherapy agents, i-HIV / AIDS imichiza, i-immunosuppressants kunye neyeza zokuthatha-phantse onke amayeza aya kugutywa.
- Izicwangciso zeCandelo D nazo akunakukuhlawula imali engaphezu kweepesenti ezingama-25 zeendleko zokuthengisa zala mayeza. Leyo yimeko encinci de uze ufike kwindawo yokungena .
Ukuchaza Umthombo Obolekekileyo
Izicwangciso zeziyobisi ezihlawulwayo azidingeki ukuba zinike izidakamizwa ezininzi kwiifom zabo njengezicwangciso zeCandelo D kodwa kufuneka zihlangabezane neendlela ezilandelayo:
- Bamele banikeze ngamachiza omzimba wesiqhelo kunye negama.
- Bamele banikele ukufikelela okufanelekileyo kwiifommesi. Iimodemokhrasi zee-mail zikhethiweyo zikhethiweyo.
- Kumele bakhokhe ubuncinane ama-60 ekhulwini kwiindleko zamachiza akho.
- Baphinde badibane nenye yezinto ezilandelayo:
- Akukho mida kwiintlobo ezibonelela ngonyaka okanye icebo liyavuma ukuhlawula i-$ 25,000 ngonyaka ngokubhekiselele kumayeza akho.
- Isicwangciso silindele ukuhlawula ubuncinane i-$ 2,000 kwiindleko.
- Izicwangciso ezidibeneyo ezibandakanya ezinye iinjongo (amazinyo, umbono, njl.), Isicwangciso sinalo: i-deductible elinganayo okanye engaphantsi kwe-$ 250, b) akukho myingeni wenzuzo yonyaka ophezulu okanye isivumelwano sokuhlawula i-$ 25,000 engaphantsi kwezidakamizwa kunye ne c) ubuncinane ubuncinane bee-1,000,000,000 zexesha lokuphila elihlangeneyo.
Izicwangciso ngeMboleko
Ukuba sele sele unempilo yokubambisa i-credit coverage, akukho mfuneko yokuba ubhalisele i-MA-PD okanye iSicwangciso seCandelo D. Imizekelo yezicwangciso zonyango ezithengiswayo ziquka:
- INkonzo yezeMpilo yaseNdiya
- Inkqubo yoNonophelo oluBandakanya bonke abakhulileyo (PACE)
- TRICARE
- Izinzuzo zezeMpilo zeVeteran
Ezinye iiplani, ngokukodwa izicwangciso zobucala okanye izicwangciso zempilo ezixhaswe ngumqeshi, ziyahlukahluka kwiimichiza abazibandakanyayo kunye nokuba zininzi kangakanani. Ukuba ufanelekile kwi-Medicare, ezi cwangciso mazikuxelele ukuba izicwangciso zazo ziboleka okanye akunjalo. Ngokuqhelekileyo baya kwenza oku kwingxelo yonyaka.
Unelungelo lokungazi ukuba iinjongo zakho zifana nesicwangciso esinye. Ukubhengezwa ngetyala ngenye indlela ukuba uthelekise umgangatho phakathi kweentlobo ezahlukeneyo zokugqithisa iziyobisi.
Kutheni Umbandela Ojongene Netyala?
Ukungabi nesikhokelo sokuthenga ngetyala kungakubiza imali. Oku kungenxa yokuba i-Medicare ihlawulisa izigwebo xa ubhalisa ngokukhawuleza kwiCandelo D. Ukubhalisa ngexesha elide lokuba 1) ulahlekelwe ixesha lokuBhaliswa kwakho kokuQala xa uphendulele iminyaka engama-65 ubudala kwaye awuzange ube ne-creditable coverage ngexesha, 2) Ulahlekelwe ixesha lakho lokuBhalisa ngokuKhethekileyo xa ushiye isicwangciso sakho sempilo esixhaswe ngumqeshi, okanye u-3) awubhalanga kwiintsuku ezingama-63 zokulahlekelwa kwenkxaso-mali evela kwenye imithombo.
Icandelo D izigwebo ezikhawulezileyo zihlala ixesha elide nje ukuba unayo i-Medicare.