Iindleko Zokugcina Iindleko Zokukunceda Ukugcina Imali
Urhulumente wesigqeba kunye noorhulumente baninzi baneenkqubo zokunceda abantu abafuna indleko eziphantsi okanye amayeza angamahhala. Uninzi lwale nkqubo lufuna ukuba uhlangabezane neendlela zokufaneleka, ezibandakanya ubudala bakho, izinga lokufumana imali, ubungakanani bentsapho, nokuba ngaba nawuphi na ilungu losapho unokukhubazeka.
Ngaphezu kwama-65? Joyina isicwangciso seMedare yeDedare. I-Medicare Ingxenye D ivumela abantu abangaphezu kweminyaka engama-65 ukuba bakhethe kwiiplani zezilwanyana ezibonelela ngeesethi zeenkonzo zonyango ezisisiseko.
Kukho isibalo sezicwangciso ezifumanekayo kwimeko nganye ngoluhlu olunokudideka lwezicwangciso. Oku kungenza kube nzima kuwe ukwazi icebo lokukhetha kunye nokuba uya kugcina nayiphi na imali kwimishanguzo yakho yonyango. Ezi zilandelayo zimbini zilandelayo zibonisa indlela i-Medicare Part D inokwenza okanye ayikunakunceda ukugcina imali kwimishanguzo yakho yemithi:
UNksz Smith unesifo seswekile 2, uxinzelelo lwegazi oluphezulu kunye nokuxinezeleka. Uthabatha imithi emithathu, i-metformin yakhe yesifo sikashukela, i-enalapril ngenxa yengcinezelo yegazi ephezulu kunye ne-paroxetine yokudakumba kwayo. Uthenga izi yobisi kwi-Wal-Mart yendawo yakhe ngeendleko zeedola ezili-10 ukunikezelwa kweentsuku ezingama-90 zeyeza ngalinye. Ekubeni iyeza ngalinye libiza i-$ 40 ngonyaka x 3, indleko yakhe yonyaka i-$ 120. Isicwangciso seziyobisi esincinci seMicrothera kwilizwe lakhe sine-premium ye-$ 27 ngenyanga ngeendleko ze-$ 324 zonyaka. Isicwangciso seCandelo D asinakuqondakala kuNksz Smith.
UMnu Smith unesifo sikashukela se-2, i-cholesterol ephezulu, uxinzelelo lwegazi oluphezulu, kunye ne-hypogonadism, okanye i-testosterone ephantsi, enokuthi yenzeke kumadoda anomhlobo wesifo sikashukela. Uthatha imithi emine, ebizwa ngokuba yi-metformin yesifo seswekile, i-simvastatin ye-cholesterol yakhe ephakamileyo, i-Diovan yokunyamezela kwegazi, kunye no-Androgel ngenxa ye-testosterone yakhe ephantsi.
Uthenga izi yobisi kwi-pharmacy kwisitolo sakhe sasekuhlaleni. I-Diovan kunye ne-Androgel yimizi eyindleko kwaye ayinayo i-generic version. Imithi kaMnumzane Smith iyamlahlekela ngaphezu kwama-3 500 ayi-year ngonyaka. Emva kokuhlawula i-premium yenyanga, i-deductible, kunye neepayipi ze-drug, angasindisa imali engama-$ 800 ngamnye ngonyaka ngokujoyina isicwangciso seCandelo D.
Unenkathazo yokuhlawula i-Medicare inxalenye yeD? Hlola ngoLawulo loKhuseleko loLuntu (SSA). Ukuba unesicwangciso seziyobisi seMedricare, i-SSA inokukwazi ukuba ngaba unelungelo lokufumana uncedo olongezelelweyo ngokuhlawula iinqununu ze-Part D, ii-premiums kunye ne-copays yezilwanyana. Ukuba ufanelekile, uncedo olongezelelweyo luya kuba lu-3 900 ngonyaka. I-website ye-SSA Uncedo lweMithi yokuLawulwa kweMithi yeeNgcaciso ineenkcukacha malunga nendlela yokufaka uncedo olongezelelweyo kwaye unikezela unxibelelwano kwimibutho ethembekileyo enokukunceda ufumane izibonelelo kwindawo yakho.
Bona ukuba ufanelekile kwiMedicaid. Iprogram yeMedicaid inikezela ngoncedo lwezempilo kumaqela athile abantu abanomvuzo ophantsi-abanye abangenayo inshuwalense yezempilo okanye i-inshurensi yempilo eyaneleyo. Nangona urhulumente wesigqeba useka izikhokelo eziqhelekileyo zeMedicaid, le nkqubo iqhutywa yilizwe ngalinye. Iphondo ngalinye ligqiba ukuba yiziphi iinkonzo eziye zafunyanwa kwaye ngubani kuloo mqathango ufanelekile.
I-Medicaid ine- drug formulary kwaye ihlawula izidakamizwa ezininzi eziyimfuneko.
Ukuba ukhonza emkhosini, khangela iinkonzo zakho ze-VA. Ukuba ungumlindi onomdla ohloniphekileyo, unokufumana unyango lwe-copay elingaphantsi kwama-10, kwaye kwezinye iimeko, mahhala. Ukutyelela indawo yakho yezempilo yase-VA okanye uhambe kwi-intanethi kwi-website ye-VA Health Benefits.
Umkhosi? Ukunyamekela kwakho kwi-TRICARE. I-TRICARE yinkqubo ebonelela ngononophelo lwempilo yamalungu enkonzo esebenzayo, amalungu e-National Guard and Reserve, amalungu omhlala-phantsi, iintsapho zabo, abasindileyo kunye nabantu abathile bebefudula emhlabeni. I-TRICARE inzuzo yesigqeba iquka iilwimi zamahhala ezivela kumayeza ejoni kunye namachiza aphantsi kweendleko ngeposi okanye kwii-pharmacy zenethiwekhi.
Khangela kwiinkqubo ezixhaswe nguRhulumente. Ukuba awunayo i-inshorensi yempilo okanye unomshuwalense ongafihla imithi, urhulumente wakho unokufumana iinkqubo ezizodwa ezingakunceda ufumane amayeza akho. Inkqubo nganye yelizwe iyahlukileyo kwaye inceda abantu abaneentlobo ezahlukeneyo zeemfuno. AbanamaMedi banikela ngolwazi malunga neeprogram kwilizwe ngalinye.
Kwabantu abane-Medicare Part D, urhulumente ngamnye kufuneka ukuba abe neProgram yoNcedo lweNkxaso ye-inshurensi yezempilo (i-SHIP) enika abacebisi abanokukunika uncedo lwamahhala kumbuzo okanye kwiingxaki ze- Medicare .
Ukutyelela iziko lempilo yoluntu okanye iklinikhi yamahhala. Amaziko ezempilo yoluntu alawulwa nguRhulumente wombuso angatholakala kwiindawo ezininzi zelizwe. Ezi kliniki zinikela ngononophelo kubantu abangenayo i-inshorensi yempilo kunye neesalathisi zokuhlawula isiseko esekelwe kwingeniso. Uninzi lwezi kliniki zinezikhemisi kwiziko okanye zineemvumelwano kunye nee-pharmacy zasekuhlaleni.
- Fumana iziko lempilo kwindawo yakho.
Iikliniki zamahhala ziiikliniki zomphakathi ezibonelela ngoncedo lwezempilo mahhala okanye iindleko ezincinci kubantu abangaqinisekanga. Ezi klinikhi zinceda izigulane zabo zifumana iindleko eziphantsi okanye imithi yamahhala. Ezinye iikliniki zamahhala zinama-pharmacy kwisayithi okanye zilungelelanisa nee-pharmacy zendawo, kwaye ezinye zithembele kwiisampuli kunye neenkqubo zenkxaso zonyango lwegulane.
- Fumana iklinikhi yamahhala kwindawo yakho.