Indlela yokuPhepha iSahlulo seDawulo sokuLawulwa koLungiso
Qaphela ukuba ugweme i-Medicare Part D isohlwayo sokubhalisa ngokukhawuleza!
I-Medicare Ingxenye D, inzuzo yonyango yezigulane zonyango, inikwe bonke abantu abane-Medicare. Ukuze ufumane iNgcaciso yeCandelo D, kufuneka ujoyine isicwangciso esiphethwe yinkampani yomshuwalense yabucala eyagunyazwa yi-Medicare (i-stand-alone Part D coverage) okanye ubhalise kwisicwangciso se-Medicare Benevantage esichaphazelekayo.
Indlela yokujoyina, ukuguqula okanye ukulahla iProgram yeDrama yeDrug
I-Medicare ineemigaqo ethile malunga nokuba ungayifumana njani, ungatshintsha njani okanye ulahle isicwangciso seziyobisi se-Medicare Part D. Unokujoyina isicwangciso seziyobisi seCandelo D:
- Xa uqala ukufaneleka kwi-Medicare (inyanga yeenyanga ezisixhenxe eqala inyanga ezintathu phambi kwenyanga uvula iminyaka engama-65, iquka inyanga uvula iminyaka engama-65, ize iphele ezintathu inyanga emva kwenyanga uvula 65).
- Ukuba ufumana i-Medicare ngenxa yokukhubazeka, unokujoyina ngeenyanga ezintathu ngaphambi kweenyanga ezintathu emva kwenyanga yakho yesi-25 yokukhubazeka.
Ungakwazi ukujoyina, ukutshintsha okanye ukulahla isicwangciso seziyobisi se-Medicare Part D:
- Kususela ngo-Oktobha 15 no-Disemba 7 ngonyaka, ukwenzela ukuba ufikelelo olusebenzayo ngowokuqala kunyaka olandelayo.
- Naliphi na ixesha, ukuba unelungelo lokufumana uncedo olongezelelweyo oluvela kwi-Medicare, okanye uvumelekile ukufumana iiMediare neeMedicaid.
I-Medicare idinga ukuba xa ubhalisa kwisicwangciso seNkunkuma D, kufuneka uhlale ubhalisele kunyaka wekhalenda oqala usuku lwakho lokuqala.
Nangona kunjalo, unokukwazi ukujoyina, utshintshile, okanye uyizicwangciso zeziyobisi zeMedare ngamanye amaxesha:
- Ukuba usuka kwindawo yakho yeNkonzo D, njengokwedlula kwenye indawo.
- Ukuba ulahlekelwa ngumnye umrhumo wonyango ojongene nemithi.
- Ukuba uhlala kwiziko elinjengekhaya labahlengikazi okanye ezinye iziko lonakekelo lwexesha elide.
Inkcazo ye-Medicare yeNgcaciso yokuThengiswa kweMithi yokuThengiswa kwemithi (umzekelo, ukusuka kumqeshi okanye umanyano) okulindeleke ukuba uhlawule, ngokwemyinge, ubuncinane ubuncinane be-Medicare. Abantu abanolu hlobo lokubhengezwa xa befanelekile kwi-Medicare banokugcina loo ngxelo ngaphandle kokuhlawula isohlwayo, ukuba baya kugqiba ukubhalisa kwi-Medicare.
I-Medicare Part D Inkqubo yoBhaliso oluLungisiweyo
Isihlwayo sokubhaliswa kwexesha likaMedare isixa semali esongezwa kwiNgxenye D yenyanga yokuqala. Unokuba netyala lokubhalisa ngokukhawuleza ngenxa yolu lulandelayo:
- Awuzange ujoyine isicwangciso seziyobisi se-Medicare Part D xa uqala ukufaneleka kwi-Medicare, kwaye awunayo enye inkcazo yokuthenga izidakamizwa.
- Awunayo i-Medicare ye-drug coverage okanye enye i-creditable coverage engama-63 iintsuku okanye ngaphezulu ngaphezulu.
Qaphela: Ukuba ufumana Uncedo olungakumbi, awuhlawuli isohlwayo sokubhaliswa kwangethuba.
Unokuphepha ukuhlawula isigwebo ngo:
Ukujoyina isicwangciso sezilwanyana seCandelo D xa uqala ukufaneleka kwi-Medicare.
Ayihambi iintsuku ezingama-63 okanye ngaphezulu emgceni ngaphandle kwesicwangciso seziyobisi se-Medicare Part D okanye enye inqaku lokuthenga ngetyala. Ngokwe-Medicare: Ukuthengwa kwezidakamizwa ezihlawulwa ngetyala kungabandakanya ukuxhatshazwa kweziyobisi ezivela kumntu okhoyo okanye wangaphambili umqeshi okanye umanyano, i-TRICARE, iNkonzo yezeMpilo yase-Indiya, kwiSebe lezeMantloko, okanye kwi-inshorensi yempilo.
Isicwangciso sakho siza kukuxelela unyaka ngamnye ukuba ukuthengiswa kweziyobisi kukhankanywe. Le ngcaciso ingathunyelwa kuwe kwileta okanye ifakwe kwiphepha leendaba evela kwisicwangciso. Gcina le ngcaciso, kuba ungayidinga ukuba ujoyine isicwangciso seziyobisi seMedare kamva.
Ukwenza isiqiniseko sokuxelela isicwangciso sakho malunga naluphi na ukhuseleko lwezonyango obenalo xa bebuza malunga nalo: Xa ujoyina isicwangciso, kwaye bakholelwa ukuba uhamba ubuncinane iintsuku ezingama-63 ngokulandelana ngaphandle kwemvume yokuthenga izidakamizwa zemvume, baya kukuthumela ileta. Ileta iya kubandakanya ifomu ebuza malunga naluphi na ukhuselo lweziyobisi onalo. Gcwalisa ifom. Ukuba awuxeleli isicwangciso malunga nekharityhulam yakho yokuthenga imali, kufuneka uhlawule isohlwayo.
Isohlwayo singaKongeza!
Ingakanani inani lokubhaliswa kwexesha lokugqibela eliya kuhlawulwa lixhomekeke ekubeni ungakanani ixesha elingenayo i-creditable coverage. Isihlwayo sokubhaliswa kwexesha elide sibalwa ngokuphindaphinda 1% "yeprayimenti ye-base-benefitedary premium" (i-$ 35.63 ngo-2017) yandiswe ngenani leenyanga eziza kulungelelwa kodwa ayizange ijoyine isicwangciso seziyobisi zeMedare kwaye yahamba ngaphandle kwesinye isigwebo ukujongana neziyobisi.
Le mali ihlaziywe kwi-$ esondeleyo .10 kwaye yongezwa kwi-premium yakho yenyanga. Ekubeni "i-premium ye-premium beneficiary premium" inokunyusa ngonyaka, ixabiso lesohlwayo linokunyuka ngonyaka. Unokufuneka uhlawule isigwebo ngokukhawuleza njengoko unesicwangciso seziyobisi seMedare.
Umzekelo 1: UNksz Jones akazange ajoyine isicwangciso seCandelo D xa wayeqala ukufaneleka (ngo-Meyi 15, 2006). Wajoyina isicwangciso seziyobisi seMedare ngexesha lokubhalisa ngo-2009 (uNgo-15-Disemba 31, 2009), ukwenzela ukubhaliswa ngokufanelekileyo komhla kaJanuwari 1, 2010. Njengoko uMks. Jones akazange ajoyine xa eqala ukufaneleka kwaye akazange ahambe nezinye iziyobisi iinyanga ezingama-43 (ngoJuni 2007-Disemba 2010), wahlawuliswa isigwebo seenyanga ezingama-13,90 ngo-2011, xa i-premium ye-base-beneficiary premium yayingama-32.34 ayi-$ 32.34 x.01 x 43 = $ 13.90) ngaphezu kwenyanga yokuqala yeprogram.
Ngo-2017, i-premium ye-base-beneficiary premium yandile i-$ 35.63, ngoko isigwebo soNksz Jones sakhulile sibe yi-$ 15.32 ngenyanga ($ 35.63 x 0.01 x 43 = $ 15.32). Ukuba uMnumzane Jones uyaqhubeka nesicwangciso sakhe seNxalenye D yesigidi iminyaka eyishumi, isohlwayo sakhe siya kuhlawula imali engaphezu kwe-1800.00
Umzekelo 1: UMnu Smith akazange ajoyine isicwangciso seCandelo D xa wayeqala ukufaneleka (ngoJanuwari 15, 2010). Wajoyina isicwangciso seziyobisi seMedare ngexesha lobhaliso lwama-2010 (uNgo-15-Disemba 31, 2010), ukuba ube ngumhla wobhaliso osebenzayo ngoJanuwari 1, 2011. Njengoko uMnu Smith engazange ajoyine xa eqala ukufaneleka kwaye akazange ahambe nezinye iziyobisi Ukubhalwa kweenyanga ezili-11 (ngoFebruwari 2010-Disemba 2010), wahlawuliswa isigwebo seenyanga ezingama-3.56 ngo-2011 (i-$ 32.34 x.01 x 11 = $ 3.56) ngaphezu kwenyanga yokuqala yeprogram.
Ngo-2017, isohlwayo sikaMnu Smith (esicinga ukuba unesigxina se-Medicare Part D) sikhule sibe yi-3.92 ngenyanga nganye, ngaphezu kwesiqhelo sesicwangciso esiqhelekileyo ($ 35.63 x 0.01 x 11 = $ 3.92).
> Imithombo:
> Medicare.gov Icandelo D Isigwebo sokuBhaliswa kwexesha elifutshane.
> Medicare.gov. IiNyanga zokuBhalisa eziKhethekileyo Ukuba Ufumana Uncedo olungakumbi.