Ukujoyina iCandelo leMida yeMedare yeDrange
I-Medicare Part D ivumela abantu ababhalise kwi-Medicare ukuba bakhethe kwiqela lamachiza okusetyenziswa kwezidakamizwa (PDPs) ezinika isethi yemisebenzi yesigxina esisezantsi.
Ngingayifumana nini I-Medicare Part I Drug Plan?
Ukuba ufanelekile kwi-Medicare inzuzo kuba uneminyaka engama-65 okanye unokukhubazeka, ungabhalisa kwisicwangciso seziyobisi se-Medicare Part D. Ungabhalisa inyanga uvula iminyaka engama-65, okanye kwiinyanga ezintathu ngaphambi kweenyanga ezintathu emva kokuba uphendukela kwi-65 (oku kufana nexesha lokubhalisa lokuqala kwi-Medicare A no-B).
Ukuba awubhalisi ngexesha leenyanga ezixhenxe, kufuneka uhlawule isohlwayo sokubhalisa emva kwexesha eliphezulu.
Ukuba unayo i-Medicare, ungabhalisa kwisicwangciso seNxalenye yeDrama ngexesha lobhaliso oluvulekile, oluqala ngo-Oktobha 15 luze luphele ngo-Disemba 7 ngamnye ngonyaka, kunye nokukhethwa kwamalungiselelo okusebenza ngoJanuwari 1. Ukuba unesicwangciso sezilwanyana seCandelo D , ungatshintsha kwisicwangciso esithile ngexesha lobhaliso.
Ungabhalisa kwisicwangciso seNxalenye D yeziyobisi ngaliphi na ixesha ngaphandle kokuhlawula isigwebo ukuba unayo iMedicaid kunye ne-Medicare, okanye ukuba ingeniso yakho yenza ukuba ufumane uncedo olongezelelweyo ($ 13,820 umntu ngamnye ngo-2017, okanye i-$ 27,600 kwisiqabane).
Ngaba ndingabhalisa kwiCandelo leMida yeDedare D?
Kukho izicwangciso ezininzi, kunye neendlela ezididekayo zokukhetha izicwangciso, ezikhoyo kwimeko nganye. Oku kungenza kube nzima kuwe ukwazi icebo lokukhetha kunye nokuba uya kulondoloza imali kwimishanguzo yakho yonyango.
Iiplomelo zeCandelo D zicwangcisa ukusuka kwiindleko eziphantsi (ezifana ne-$ 20 ngenyanga) ngaphezulu kwama-$ 100 ngenyanga nganye, kunye neeplani ezininzi zingena kwi-30 ukuya kwi-60 engama-ngenyanga ngenyanga (umyinge we-2018 ungama-43 / ngenyanga). Ezi zilandelayo zimbini zibonisa indlela i-Medicare Part D inokuthi okanye ayikunakunceda ukugcina imali kwimishanguzo yakho yonyango.
Umzekelo 1: UNksz Smith unesifo sikashukela se-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-Costco yengingqi yakhe ngeendleko ze-R10 kwi-90-day supply yeyeza ngalinye. Iindleko zonyaka ziyi-$ 120. Isicwangciso seziyobisi esincinci sonyango kwiResiya sakhe sine-premium yeenyanga ezili-15 ngenyanga malunga nendleko engama-$ 180. Isicwangciso seCandelo D singabonakali sisengqiqo kwixesha elifutshane kuNksz Smith, kodwa oko kungase kube yimpumelelo emfutshane, ngenxa yesigwebo sabantu abhalisa ngokukhawuleza.
Qaphela: uNksz Smith kufuneka ukuba athenge isicwangciso esincinci kwisimo sakhe, nangona ukuba ukwenza oko akunako ukubonelela ngenzuzo. Ekubeni unempilo emithathu engapheliyo engadlukisayo kunye nobudala, kunomngcipheko ukuba unokufuna ukuthatha imithi ebiza kakhulu. Ukuba oku kwenzekayo, kuya kufuneka ukuba ahlawule iSahlulelo D sohlwayiso oluLungisiweyo. Oku kusebenza nakwabaxhamli be-Medicare abanempilo ngokugqibeleleyo, kuba abantu bambalwa bahlala kwimpilo epheleleyo kulo lonke ubomi babo.
Umzekelo wesi-2: UMnu. Smith unesifo sikashukela se-2, kwaye uthatha i-simvastatin kwi-cholesterol yakhe ephakamileyo, i-Diovan ngenxa yegazi lakhe eliphezulu 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. Imishanguzo kaMnu Smith isamlahle ngaphezu kwama-2,000 ngonyaka ngamnye. Emva kokuhlawula i-premium yenyanga, i-deductible, kunye neepayipi ze-drug, angasindisa imali engaphezu kwama-$ 500 ngonyaka ngokujoyina isicwangciso sezilwanyana seCandelo D.
Umzekelo wesi-3: UMnu Jones uthatha izidakamizwa ezininzi zonyango, kodwa naye unomdla ngokubambisa umqeshi odibanisa ne-Medicare kwaye ehlanganisa amachiza akhe. Ingxelo yomqeshi wakhe unikezela ubuncinane njengengxenye yeCandelo D, ngoko ke ithathwa njengetyala.
Oko kuthetha ukuba unokugcina umxhasi wakhe oxhaswe ngumqeshi, i-forego Ingxenye yeD Part-cover, kwaye usenokukwazi ukubhalisa kwiCandelo D kamva (nokuba kunye nexesha lokuxhaswa kweziyobisi ezixhaswe ngumqeshi liphelile) ngaphandle kwesihlwayo.
Ngokubanzi, akunangqondo ukuhamba ngaphandle kokusetyenziswa kweziyobisi xa unesifo kwi-Medicare. Ukuba ufuna ukugqithiswa kwezidakamizwa kamva, uya kuhlawula ngaphezulu ngenxa yesigwebo esipheleleyo (esiya kusebenza ebomini bakho bonke). Ubhaliso lwamaxesha amaninzi lukhawulelwe kwiwindow ye-Oktobha 15-Disemba 7, kunye negalelo elifanelekileyo ngoJanuwari 1. Ngoko ukuba unokufumanisa ukuba unesifo esingapheliyo esidinga imithi ebiza kakhulu kunyaka ozayo ngoMatshi, umzekelo, uya kuba unamathele ukuhlawula ixabiso elipheleleyo kunyango lakho lonke unyaka, kwaye emva koko unamathela kwisigwebo sokubhaliswa emva kwexesha.
Ndingakhetha njani iSahlulo seD D?
Unokufumana isibonelelo se-Medicare Part D kwisicwangciso sezilwanyana (ukuba unayo i-Medicare yokuqala) okanye isicwangciso se- Medicare Benevantage kunye nesakhelo se-Part D.
Kukho ama-20-40 ahlukeneyo kwiCandelo D izicwangciso zonyango ezibonelelwa ngeenkampani ezahlukeneyo ze-inshorensi yempilo kwimeko nganye (ngo-2018, kukho isilinganiso sama-D esizimeleyo seCandelo D ezifumaneka kwindawo nganye yelizwe, ngaphezu 17 Izicwangciso ze-Medicare Benevantage ezibandakanya i-Part D yokufihla). Zonke izicwangciso zeNkunkuma zeDesti kufuneka zinikeze isethi esimiselweyo yezibonelelo zonyango njengoko kufuneka yi-Medicare. Ukongezelela, izicwangciso zeziyobisi zingabandakanya iimishishini ezongezelelweyo kwiifom.
Iindleko zokujoyina isicwangciso kuxhomekeke ekubeni isicwangciso sinikeza izibonelelo ngaphaya kwezogunyazwa yi-Medicare (oko kukuthi, "inzuzo" ephakamileyo). Ezi zilandelayo zingenza ukuba i-premium yenyanga ixabise kakhulu:
- Esi sicwangciso sichaza amayeza angaphezulu kwi- formulary yayo
- Isicwangciso asinako ukuhlawulelwa ekuqaleni kwonyaka (iinqununu zeCandelo D zicwangcisa zibe ziphezulu njenge $ 405 ngo-2018)
- Esi sicwangciso sichaza iindleko zemithi yonyango ngexesha lokungena kwendawo , okanye "umgodi wokungena."
Iziqulatho ezilishumi ezidumileyo ezizimeleyo zeCandelo D ze-2018 zineeprisimenti ezihluka kwi-20 / ngenyanga ukuya kwi-84 / ngenyanga. Ezi zine zicwangciso ziphuculwa, ngelixa ezintandathu zisiseko. Phakathi kwezicwangciso eziphuculweyo, i-premium ye-premium yi-$ 60.48 / inyanga, ngelixa izicwangciso eziphambili zinama-premium angama-31.60 / ngenyanga.
Enye yezona zixhobo ezincedo kakhulu kwi-intanethi yindawo ye-Medicare yesayithi, evumela ukuba uqhathanise ama-PDP, ufunde malunga nezicwangciso ezinikezelwe kwimeko yakho, kwaye ujonge i-formulary scheme nganye. Unokuqhathanisa izicwangciso ngaphesheya kwaye ubonise kuphela ezo zicwangciso ezigubungela amayeza akho.
Ukongezelela, isayithi ineziphakamiso zokunciphisa iindleko kwi-gap. Ukuba ukhululekile usebenzisa i-Intanethi, ungakhetha kwaye ubhalise kwisicwangciso sekhompyutheni. Unokufumana ulwazi olufanayo ngokubiza u-Medicare umgca uncedo kwi-1-800-Medicare.
Ndingafumana phi Uncedo Xa Ndikhetha Isicwangciso seD D?
Ngaphambi kokujoyina isicwangciso sezonyango seCandelo D, kubalulekile ukuba uqonde kwaye ukhululekile ngokukhetha kwakho. Uluntu oluninzi lunamaziko aphezulu kunye nabasebenzi abangakunceda ekukhokeleni kwinkqubo yokukhetha.
Ukuba ukhangele ulwazi kwi-intanethi, zama ukuphepha izingosi ezixhasiwe yiinkampani zomshuwalense ezibonelela ngezicwangciso zeziyobisi. Kunoko, jonga kwiiwebhusayithi zale mibutho:
Kwiziko loLuntu leMalungelo
I-Centre yamaLungelo eNyango, i-Independent, iqela inzuzo, yintlangano enkulu kunazo zonke e-United States (ngaphandle kweburhulumente karhulumente) onika ulwazi kunye noncedo kubantu abane-Medicare. Isiza saso sinesiqendu malunga ne-Medicare Part D yesigxina, kuquka ulwazi malunga neenkqubo ezinokukunceda ukuhlawula iindleko zonyango lakho. Isici esiyingqayizivele sesayithi nguMeluleki oSebenzayo we-Medicare, isixhobo esikuhambayo kwinkqubo yokufumana isicwangciso seziyobisi esenza ingqiqo kuwe.
SHIP
Inkqubo yoNcedo lweNkxaso ye-Intsholongwane yezeMpilo inikezela ngoncedo olulodwa kunye noluncedo kwizigulane ze-Medicare kunye neentsapho zabo. Khetha i-state yakho ukufumana inhlangano yendawo eya kukunceda.
> Imithombo:
> Kaiser Family Foundation. I-Medicare Ingxenye D: Ukujonga kuqala kwiiplani zeDranscription Plans ngo-2018. Oktobha 2017.
> Medicare.gov. Icandelo D Isigwebo sokuBhaliswa kwexesha elifutshane.
> Q1Medicare.com. I-CMS ikhupha umgangatho ogqityiweyo ogqityiweyo wonyaka we-2018 i-Medicare Part D yedayibrari yemigqaliselo yezobisi. Epreli 2017.
> Ulawulo loKhuseleko loLuntu. Ukuqonda Uluhlu Olongezelelweyo kwiNkqubo yeDrama yeDranscription . 2017.