Uza kuhlawula ixesha elingakanani?
I-Medicare ICandelo D yaqalisa ukunikezela ngokuchithwa kwezidakamizwa ngo-2006. Ngaphambi koku, abadala babefanele bazibophezele. Umthwalo weendleko zeziyobisi uphakamileyo nabemi baseMerika phakathi kweminyaka engama-65 ukuya kwe-79 ubudala, ukuzalisa imimiselo engama-27.3 kunye nabangaphezulu kweminyaka engama-80 ubudala ngokugcwalisa imiqathango engama-29.1 ngonyaka.
Namhlanje abakhulileyo banokukhetha isicwangciso seCandelo D, ukuhlawula i-premium yenyanga kunye nokwenza iipopayments ezinokungabibizi okanye iintlawulo zemali-mali kwiindleko zabo zonyango.
Ingxaki kukuba iCandelo D linomngcipheko wokubhengeza owaziwayo njengengxuma ye-donut kwaye ayikho into enhle kakhulu.
Ingxenye D inikezela ngokufikelela kwisixa esithile se dollar (cinga ukutya ukusuka kwelinye icala lombutho), ngoko uhlahlela umgca (cinga ukufika kwindawo engenanto phakathi) uphinde uqale ukuhanjiswa emva kwemali ethile esetshenzisiwe (cinga ukufumana ngaphesheya komnikelo).
Unyaka ngamnye u- Medicare usetha umda wokungena kwinqanaba lokuqala le-donut, umgodi wangaphambili. Into ohlawulayo kunye neyonyango ehlawulwa ngayo iziyobisi iya kubalelwa kulo mda wendleko. Iipresimenti zakho zenyanga azithethi kulezi zindleko okanye azinakulungiswa ngamachiza angenakucetyiswa yiCandelo lakho iD okanye amayeza athengwe kwamanye amazwe.
| Iindleko ozihlawulayo | Iindleko Zonyango Eliya Kuphela |
| Imali i-Medicare ihlawula imimiselo yakho |
Emva kokuba uchithe umyinge wokukhawulela umyinge, ufaka umgodi wecala.
Xa iCandelo D iqalile kuqala, wawuya kuphendula ngokuhlawula i-100 ekhulwini zeendleko zakho zeziyobisi. Ngoku i-Medicare iya kuhlawula ipesenti ethile yeendleko kwaye loo mali ikhula ngokuthanda kwakho unyaka wonke ngenxa yo-Obamacare. I-Obamacare ijolise ukuvala umngxuma we-2020 .
| Unyaka | Igama loMdaka | Izidakamizwa |
| 2015 | 55 ekhulwini | 35 ekhulwini |
| 2016 | 55 ekhulwini | 42 ekhulwini |
| 2017 | 60 ekhulwini | 49 ekhulwini |
| 2018 | 65 ekhulwini | 56 ekhulwini |
| 2019 | 70 ekhulwini | 63 ekhulwini |
| 2020 | 75 ekhulwini | 75 ekhulwini |
Unamathele kwingxowa yecala uze uchithe isamba esithile se dollar esetyenziswe minyaka yonke ngu-Medicare. Iinkampani zonyango ziza kukunika isaphulelo sama-50 ekhulwini kwiimpawu zonyango ngexesha lomngxuma. Naliphina imali esetyenzisiweyo isicwangciso sakho seCandelo D ayilindele kule mali. Kwakhona, iiprayimari zakho zenyanga kunye nokungafunyanwanga okanye iziyobisi zangaphandle azibandakanyi ngokubhekiselele kwimfuneko yokungena.
| Iindleko ozihlawulayo | Ezinye iindleko |
| Isixa-mali sesibonelelo seyeza-mali sihlawula igama lakho legama lomhlaza (kungekhona imishanguzo yakho) Oko okucwangcisiweyo kweCandelo D akuyi kubalwa |
Emva kokuba uchithe umyinge we-donut, ufaka ixesha lokufihlakeleka apho uhlawula i-copay engabiziyo kumayeza akho kude kube sekupheleni konyaka. NgoJanuwari 1, inkqubo iqala kwakhona kwakhona.
| Umhlaza | 2015 | 2016 |
| Umda woLungiso lokuqala | $ 2,960 | $ 3,310 |
| Donut Hole | $ 1,740 (IRandi 4,700 kwiindleko ezipheleleyo zonyaka) | $ 1,540 (IRandi 4,850 kwiindleko ezipheleleyo zonyaka) |
| Umngcipheko |
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Umngxuma we-donut ingaba yingcamango ekhohlisayo ukuqonda. Ngombulelo ngowama-2020, kuya kuba lula ngakumbi ngokuvalwa kwendawo yokungena.
Umthombo
Utshintsho ekusetyenzisweni kweMpilo kunye neeMithi. ISS Institute for Healthcare Informatics. http://www.imshealth.com/deployedfiles/imshealth/Global/Content/Corporate/IMS%20Health%20Institute/Reports/US_Use_of_Meds_2013/Percent_population_prescriptions_per_capita.pdf Kufumaneke ngo-Agasti 12, 2015.