Indlela Yokugcina Imali kwi-Medicare Part D Coverage Gap
UMthetho ononophelo loNonophelo olungabonakaliyo ungenelele kumthetho ngoMatshi 23, 2010 wenza utshintsho oluninzi kwi-Medicare Part D ukunciphisa iindleko zakho ngaphandle kwe-pocket xa ufikelela kwindawo yokungena, kuquka:
- Ngo-2010, ukuba unayo iindleko kwi-gap cover, ufanele ufumene isaphulelo samaRandi ezingama-250 kwi-Medicare.
- Ukususela ngo-2011, ukuba uya kufumana umnqamlezo we-donut, uya kunikwa isaphulelo sama-50% kwiindleko ezipheleleyo zegama lomenzi wegama lomsebenzi ngelixa kuluhlu.
- I-Medicare iya kubeka isahlulelo esongezelelweyo kwiindleko zombini wegama lomenzi kunye neziyobisi eziqhelekileyo .
Ngama-2020, olu tshintsho luya kufumana ngokukhawuleza i-gap ye-cover and instead of paying 100% yeendleko, uxanduva lwakho luya kuba ngama-25% eendleko.
Nangona igalelo lokugqibela liya kugqitywa, kubalulekile ukukhumbula ukuba uya kuba noxanduva lokuhlawula i-25% yeendleko zemithi yakho yesigunyaziso. Ukuba uthatha amayeza amaninzi okanye axabisa, iindleko zingasenzima. Kubalulekile ke, ukuba uyazi izibonelelo ezinokukwazi ukukunceda.
Bangaphi abantu abafikelela kwiDonut Hole?
Ngokwe-2008 ingxelo evela kwi-Kaiser Family Foundation, izigidi ezingama-3.4 ze-Medicare Part D isicwangciso sababambe iqhaza safikelela kwi-gap yokubhalwa kwezigulane kwi-odratory coverage ngo-2007. Le ngqungquthela - eyaziwa ngokuba yi "hole hole" -ixesha apho abantu abaneMedare Isicwangciso seziyobisi kufuneka sihlawule i-100% yeendleko zeziyobisi.
I-Kaiser Foundation yabona ukuba abangaphezu kwe-25% yabantu abaye bajoyina isicwangciso seziyobisi esibhalisiweyo sesigqirha se-Medicare abagcwalisa nayiphi na imimiselo ngo-2007, bafikeleleka kwi-gap. Abantu abaneempawu ezingapheliyo, ezifana ne-Alzheimer's disease, isifo sikashukela kunye nokudakumba, babenomngcipheko omkhulu wokufikelela kwisithuba sokufikelela.
Ngaba kungekudala i-Part D yabhalisa njani ifike kwiDonut Hole kwaye ihlala ixesha elingakanani kwiGap?
Phantse isiqingatha sabo bonke abantu abajoyine isicwangciso seziyobisi zonyango seMedare abaphethe iindleko zonyango eziphakamileyo ngokwaneleyo ukuze bafike kwindawo yokungena ngo-2007 benza njalo ekupheleni kuka-Agasti.
Uninzi lwabantu abafikele umgodi wecala ngoJulayi okanye kamva basebenzisa lonke ixesha lonyaka kwisithuba sokufikelela.
Ngaba Abantu Bashintsha Ukusetyenziswa Kwamachiza Xa befikelela kwiDonut Hole?
Abanye abantu abafikelela kumngxuma we-donut bayeke ukuthatha amayeza abo. Ukujonga iintlobo ezisibhozo ezahlukeneyo zemithi echazwe kwiimeko ezahlukeneyo zempilo, i-Kaiser Foundation yabona ukuba malunga ne-15% yabantu abafikelele kwi-gap yokukhawuleza bayeka imithi yabo.
Ngokomzekelo, i-10% yabantu kwisicwangciso seziyobisi zeMedare ababethatha amachiza omlomo okwenzelwe unyango lwesifo sikashukela esasifinyelele isithuba sokumelana nokuyeka ukuthatha amayeza. Kuba umntu onesifo sikashukela, ukumisa amayeza kwanokuba ixesha elincinci lingabangela iingxaki zempilo ezinzulu kunye nangoko.
Ndingayinciphisa njani iindleko zam iidakamizwa kwiDonut Hole?
Cinga ukutshintshela kwisiza esibizayo
Enye yeendlela ezilula ukunciphisa iindleko zedakamizwa yakho yesigqirha kwisitshixo somgubo ukutshintsha kwiindleko eziphantsi okanye iziyobisi eziqhelekileyo , njengoko zikhoyo kwaye zifanelekileyo.
Unokuthetha nogqirha wakho malunga namachiza owenzayo okwangoku ukuba ufumane ukuba kukho izidakamizwa zamagama ezinje okanye ezibizayo eziza kusebenza kanye kunye nabo ozithathayo ngoku.
Ngokomzekelo, ukuba uthatha iZoloft ngenxa yokudakumba, ungagcina ngaphezu kwe-$ 100 inyanga nganye ngokutshintshela kwi-sertraline, inguqu ye-Zoloft.
Myalelo we-3-month supply of your medication
Ukuba unesifo esingapheliyo, njengesifo sikashukela, cela ugqirha wakho ukuba abhale isigqirha sokuba unikezele iintsuku ezingama-90 zeyeza lakho. Izicwangciso zamachiza ezininzi zeMedare zinika isaphulelo xa usebenzisa i- mail order order .
Kwakhona, i-pharmacy yakho yangakini inokunika uncedo lweentsuku ezingama-90 lwamayeza akho ngexabiso elifanayo njengecebo le-mail-plan.
Phonononga izibonelelo zentlalo kunye noluntu
Uncedo oluninzi lwezizwe kunye noluntu lunenkqubo enokukunceda ngeendleko zemithi yakho. Indawo efanelekileyo yokuqala yi-website yeCandelo lokuPhengwa kweeNzuzo, inkonzo yeBhunga leSizwe ekuguga. Isayithi inikeza ulwazi olulula ukulufunda malunga nesicwangciso seziyobisi zesigqirha seMedare, indlela yokufumana uncedo olongezelelweyo kunye nendlela yokufaka uncedo olongezelelweyo.
Khangela kwiinkqubo zoncedo lweyeza
Amashishini amaninzi amaninzi anika iinkqubo zoncedo kubantu ababhalise kwisicwangciso seziyobisi zeMedare. Unokufumana ukuba ngaba iProject Assistance Programme inikezwa ngabavelisi bezilwanyana ozithatha ngokundwendwela iphepha leNkqubo yoNcedo lweMithi kwi-website ye-Medicare.
Konke okufuneka uyenze kukufumana iyeza lakho kwiluhlu lwealfabhethi. Isayithi ke inikezela ngolwazi malunga neenkqubo zokulondoloza ezikhoyo kunye nekhonkco kwisayithi yenkampani yeziyobisi ukufumana ulwazi malunga nendlela yokufaka uncedo.
Cinga iinkqubo zonyango lwelizwe
Amazwe angaphezu kwama-20 anika uncedo ngokuhlawula iiproyamu zamachiza kunye nezinye iindleko zeziyobisi. Unokufumanisa ukuba urhulumente wakho unenkqubo ngokutyelela iphepha leNkqubo yoNcedo lweMichiza yeSizwe kwiwebhusayithi ye-Medicare.
Faka isicelo seNkqubo yoNcedo yoNcedo
Ukuba unesicwangciso seziyobisi seMedare kwaye unemivuzo encinci kunye nezibonelelo, unakho ukufumana uncedo olongezelelweyo lokuhlawula imishanguzo yakho yemithi.
Olu luncedo olongezelelweyo, olutholakala ngoLawulo loKhuseleko loLuntu, lunokulondoloza imali ngokuhlawula inxalenye yeeprimimenti zakho zenyanga, iintlawulo zonyaka kunye neentlawulo zeempepha . Inkqubo eyongezelelweyo yoNcedo ingakusindisa ukuya kwii-3,900 zamawaka ngonyaka.
Ngaba kukho into endiyenzayo ukukhusela i-Donut Hole?
Ewe. Unokuphepha umgodi wenkxaso ukuba unako ukugcina iindleko zezilwanyana zakho ezingaphantsi kwama-$ 2,840 ngo-2011. Enye yezindlela ezilungileyo zokwenza oku kukucela ugqirha wakho ukuba akutshintshe kumachiza omzimba, ukuba ukhona kwaye ufanelekile.
Ingaba nayiphi na inxalenye D IziDakamizwa IziCwangciso zokuhlawula izidakamizwa kwisibopho seDonut?
Ewe. Ngo-2011, ezinye izicwangciso zeziyobisi ze- Medicare Part D zineenkcukacha zonyango kwi-hole. Ezi zicwangciso, nangona kunjalo, ziya kuba ne-premium yenyanga ephezulu kwaye ziya kuhlawula kuphela imithi ethile.