Indlela yohlahlo lwabiwo-mali lweMithi yeDrug
Ngaphambi kuka-2006, i-Medicare ayizange igxile imithi yonyango, ubuncinane ubuninzi babo. Inani elincinci lamachiza lalinikezelwa phantsi kwe-Medicare Part B , kodwa ngaphandle koko, kufuneka uhlawule amayeza akho ngaphandle kwepokothini.
Yonke into yatshintsha xa uMongameli uGeorge W. W. Bush edlulisa iMicrosoft Prescription Drug, Ukuphucula, kunye neModernization Act (MMA) ngo-2003.
Umthetho wadala into esiyifumayo ngoku njenge-Medicare Part D, inxalenye yonyango ye-Medicare ehlinzeka ngokukhutshwa kweziyobisi.
Izicwangciso zeCandelo D ziqhutywa ngamashishini ase-inshurensi yabucala, kungekhona urhulumente. Nangona kunjalo, urhulumente wesigqeba ubeka izikhokelo kwiimviwo eziphambili ezi cwangciso kufuneka zifake kunye nendlela enokuhlawulwa ngayo. Esi sikhokelo sichaza konke ofuna ukukwazi malunga noko uza kuhlawula kwi-Medicare Part D kulo nyaka.
Icandelo D Ukuhlaziywa
I- deductible yimalini yemali oyichithayo epokothini ngaphambi kokuba izibonelelo zeziyobisi zonyango ziqale. Isicwangciso sakho sinakho okanye asinako ukuhlawulelwa. Isithuba esinqunyiwe esicwangcisiweyo singakhokhela ngo-2017 sisetyenziswe kwi-$ 400, ukwanda kwe-$ 40 ukusuka ngo-2016.
Icandelo D IiPlayam
I- premium yimalini yemali oyichitha rhoqo ngenyanga ukufikelela kwisicwangciso sezempilo. URhulumente akayibekiyo imingcipheko esemthethweni kumaxabiso e-premium kunye namaxabiso avame ukunyuka ngonyaka. Ngo-2017, i-premium yeyona nxalenye yeCandelo D isicwangciso semali engama-$ 34 ngenyanga.
Izicwangciso ezineenkcukacha ezongezelelweyo ziza kubiza ngaphezulu.
Icandelo D iNational Beneficiary Premium
Musa ukudibanisa i-premium ye-premium beneficiary premium (NBBP) nge-premium yakho yenyanga. Nangona amanani ayenokusebenza ngokufanayo, awanqabile. I-NBBP yintengo esetyenzisiweyo yokubala ukuba uninzi kangakanani na kwiimpawu zezohlwayo zeCandelo D xa ubhalisa ngokukhawuleza kwezibonelelo.
Ubhedu bakho obufanelekileyo kukugwema iinqununu ze-Part D ngokupheleleyo, ngoko qi ni sekisa ukusebenzisa le kalenda ye Medicare esebenzayo ukubhalisa ngexesha . I-NBBP isetyenziswe kwi-$ 35.63 ngo-2017.
Icandelo D Ingeniso-mali echaphazelekayo Iimali
Urhulumente uphinde uxelele okongezelelweyo kwiNgxenye D yokunika inkxaso ngokusekelwe kwingeniso yakho. Oku kwaziwa njengeMali-mali ehambelana neNzuzo yeMali (IRMAA). Uya kuhlawula i-IRMAA kwinyanga kaRhulumente kunye neeprisimesi zenyanga kwiinkampani zomshuwalense.
| Ingeniso | Iindleko zakho ze-2017 | Shintsha ngo-2016 |
| Ngaphantsi kwe $ 85,000 | $ 0 ngenyanga | Ukwanda kwe-$ 0 ngenyanga ngenyanga |
| $ 85,000 - $ 107,000 | $ 13.30 ngenyanga | Ukongezwa kwe $ 0.60 ngenyanga Ukunyuka kwe-$ 7.20 ngonyaka |
| $ 107,000 - $ 160,000 | $ 34.20 ngenyanga | Ukunyuka kwe-$ 1.40 ngenyanga Ukunyuka kwe-$ 16.80 ngonyaka |
| $ 160,000 - $ 214,000 | $ 55.20 ngenyanga | Ukunyuswa kwe-2.40 yeenyanga ngenyanga Ukunyuka kwama-28,80 ngonyaka |
| Ngaphezu kwama-214,000 | $ 76.20 ngenyanga | I-3.30 kunyuka ngenyanga Ukunyuswa kwama-39.60 kunyaka |
| Ingeniso | Iindleko zakho ze-2017 | Shintsha ngo-2016 |
| Ngaphantsi kwe $ 170,000 | $ 0 ngenyanga | Ukwanda kwe-$ 0 ngenyanga ngenyanga |
| $ 170,000 - $ 214,000 | $ 13.30 ngenyanga | Ukongezwa kwe $ 0.60 ngenyanga Ukunyuka kwe-$ 7.20 ngonyaka |
| $ 214,000 - $ 320,000 | $ 34.20 ngenyanga | Ukunyuka kwe-$ 1.40 ngenyanga Ukunyuka kwe-$ 16.80 ngonyaka |
| $ 320,000 - $ 428,000 | $ 55.20 ngenyanga | Ukunyuswa kwe-2.40 yeenyanga ngenyanga Ukunyuka kwama-28,80 ngonyaka |
| Ngaphezulu kwama $ 428,000 | $ 76.20 ngenyanga | I-3.30 kunyuka ngenyanga Ukunyuswa kwama-39.60 kunyaka |
| Ingeniso | Iindleko zakho ze-2017 | Shintsha ngo-2016 |
| Ngaphantsi kwe $ 85,000 | $ 0 ngenyanga | Ukwanda kwe-$ 0 ngenyanga ngenyanga |
| $ 85,000 - $ 129,000 | $ 55.20 ngenyanga | Ukunyuswa kwe-2.40 yeenyanga ngenyanga Ukunyuka kwama-28,80 ngonyaka |
| Mkhulu kunama-129,000 | $ 76.20 ngenyanga | I-3.30 kunyuka ngenyanga Ukunyuswa kwama-39.60 kunyaka |
I Donut Hole
I-Medicare Ingxenye D ayikude iphelele. Enyanisweni, inendawo enkulu kuyo. Ingqungquthela ebizwa ngokuba yi- donut ingumngcipheko ophathekayo owenzeka emva kwakho kunye ne-Medicare isetyenzisile imali ethile kwimishanguzo yakho yonyango. Emva kokuba loo mali isetyenzisiwe, ushiywe ukuhlawula amayeza akho uze uchithe ngokwaneleyo ukuba ufumane "ukukhutshwa kwezinto ezimbi" ngecebo lakho leCandelo D.
Umngxuma we-donut uyancipha ngo-2017 ngokubulela kuMthetho woNonophelo olungabonakaliyo, u-Aka Obamacare . Ukuqala ngemigaqo ka-2013 kwi-Care Affordable Act ngokuthe ngcembe kwanciphisa ubuninzi obunyanzelekile ukuba uchithe ngaphandle kwepokothini kumayeza akho. Ukuba le miqathango iyaqhubeka, oko kukuthi ukuba uMthetho ojongene noNonophelo ongenakunqunyulwa awususwanga, umgodi wecala uya kuvalwa ngo-2020.
Kuze kube ngoko, isixa ohlawulayo ngaphambi kokuba ungene kwindawo engumngcipheko, owaziwa njengomda wokuqala wokukhawulela, ukwanda ukusuka kwi-$ 3,310 ukuya kwii-3,700 zamawaka ngo-2017. Ezi ziindaba ezilungileyo. Kuthetha ukuba kuya kuthatha ixesha elide ngaphambi kokuba ungene kwindawo yokungena.
Xa usesemngxeni we-donut, endaweni yokuhlawula isixa sakho se-Part D sokuhlawulwa, uza kuhlawula iipesenti ezingama-40 zonyango lomama kunye ne-51 ekhulwini kwiyeza zonyango , kungekhona iifayili zakho eziqhelekileyo. Kunyaka ngamnye ngo-2020, uya kuhlawula ipesenteji ezincinci kumachiza akho kude kufike umgodi wecala kuma-25 ekhulwini.
Uza kuchitha i-$ 1,250 kwimingxuma ye-don7 ngo-2017 xa kuthelekiswa ne-$ 1,540 ngo-2016. Emva kokuchitha le mali, ufaka isigaba senzuzo yokuhlaselwa apho uya kuhlawula kuphela i-3.30 yezidakamizwa ngezidakamizwa kunye ne-8.25 yee-medication name name ngenyanga.
Yisebenzise le khokelo yesalathisi ukukunceda ngokusebenzisa inkqubo yenkomo yedayiti .
ILizwi
Imithi yonyango inokuba yindleko kodwa ungakuvumeli oko kukusongelayo. Yazi ukuba icebo lakho le-Medicare Part D libandakanya kwaye ungakanani ukulindela ukuhlawula. Ngolu lwazi ngesandla, unokwenza uhlahlo lwabiwo-mali kunyaka ozayo kwaye ugcine nayiphi na into emangalisa.