Kuyanjana ndi Medicare Part D Kulembera Mankhwala Osokoneza Bongo
Medicare Part D amalola anthu olembera ku Medicare kuti asankhe kuchokera kuzinthu zamagwiritsidwe ntchito zamankhwala (PDPs) zomwe zimapereka mauthenga apadera a mankhwala.
Kodi Ndingapeze Liti Pulogalamu ya Mankhwala a Medicare Part D?
Ngati muli oyenerera Medicare phindu chifukwa muli ndi zaka 65 kapena muli ndi chilema, mukhoza kulembetsa dongosolo la mankhwala a Medicare Part D. Mukhoza kulemba mwezi wanu mutatha zaka 65, kapena miyezi isanu kapena itatu mutatha zaka 65 (izi ndi zofanana ndi nthawi yoyamba yolembera Medicare A ndi B).
Ngati simukulembetsa pa miyezi isanu ndi iwiriyi, mungafunike kulipira chilango cholembera mwamsanga ngati mawonekedwe apamwamba.
Ngati muli ndi Medicare, mukhoza kulembera pulojekiti ya D Part D nthawi yolembera, yomwe imayamba pa October 15 ndipo imatha mpaka chaka cha 7 December chaka chilichonse, ndikusankha ndondomekoyi pa January 1. Ngati muli ndi gawo lachidakwa cha D , mutha kusintha pa dongosolo losiyana pa nthawiyi.
Mungathe kulembetsa dongosolo la mankhwala a DP nthawi iliyonse popanda kulipira chilango ngati muli ndi Medicaid ndi Medicare, kapena ngati ndalama zanu zikukupatsani mwayi wothandizira ($ 13,820 kwa munthu aliyense mu 2017, kapena $ 27,600 kwa banja).
Kodi ndilembetse ku Medicare Part D Drug Plan?
Pali malingaliro ambiri, okhala ndi zosokoneza zosiyanasiyana zomwe mungasankhe, zomwe zilipo m'mayiko onse. Izi zingachititse kuti zikhale zovuta kuti mudziwe njira yomwe mungasankhe ndi ngati mudzasunga ndalama pa mankhwala anu a mankhwala.
Zopangira gawo la Gawo D zimachokera ku mtengo wotsika (monga $ 20 pamwezi) zoposa $ 100 mwezi uliwonse, ndipo ndondomeko zambiri zimagwera madola 30 mpaka $ 60 pamwezi (pafupifupi 2018 ndi pafupifupi $ 43 / mwezi). Zitsanzo ziwiri zotsatirazi zikusonyeza momwe Medicare Part D ikhoza kapena singakuthandizireni kusunga ndalama pa mankhwala anu a mankhwala.
Chitsanzo 1: Ms. Smith ali ndi matenda a shuga a mtundu wa 2, kuthamanga kwa magazi komanso kupsinjika maganizo. Amatenga mankhwala atatu, omwe ndi metformin kwa matenda ake a shuga, enalapril chifukwa cha kuthamanga kwake kwa magazi, ndi paroxetine chifukwa chovutika maganizo. Amagula mankhwalawa ku Costco yake komwe amawononga ndalama zokwana madola 10 patsiku la masiku 90. Ndalama zake pachaka ndi $ 120. Ndondomeko yamakono ya mankhwala ya Medicare mu boma lake ili ndi mtengo wapatali wa $ 15 pamwezi pa mtengo wapachaka wa madola 180. Gawo D gawo D lingakhale lopanda malire kwa nthawi yaying'ono kwa a Ms. Smith, koma izi zikhoza kukhala chiwonongeko chochepa, chifukwa cha chilango cha anthu omwe alembetsa mochedwa.
Zindikirani: Akazi a Smith ayenera kuti amagula ndondomeko ya mtengo wapatali mu dziko lake, ngakhale kuti kuchita zimenezi sikungapereke phindu lenileni. Popeza ali ndi matenda aakulu atatu omwe angadwale kwambiri, ali ndi chiopsezo kuti amafunika kumwa mankhwala oposa mtengo. Ngati izi zichitika, ayenera kuti ayenera kulipira Chigawo D Chachidule Cholembera. Izi zikugwiranso ntchito kwa opatsidwa mankhwala a Medicare omwe ali ndi thanzi labwino, popeza anthu owerengeka amakhalabe ndi thanzi langwiro m'moyo wawo wonse.
Chitsanzo chachiwiri: Bambo Smith ali ndi matenda a shuga a mtundu wa 2, ndipo amachititsa simvastatin kwa cholesterol yake, Diovan chifukwa cha kuthamanga kwa magazi, komanso Androgel chifukwa cha testosterone.
Amagula mankhwala awa pa pharmacy ku supamake yake yapafupi. Diovan ndi Androgel onse ndi mankhwala okwera mtengo ndipo alibe ma generic. Mankhwala a Mr. Smith anam'patsa ndalama zoposa $ 2,000 pachaka. Pambuyo pa kulipira malipiro ake a mwezi uliwonse, ndalama zothandizira, komanso mankhwala osokoneza bongo , akhoza kupulumutsa ndalama zoposa madola 500 chaka chilichonse pothandizira dongosolo la mankhwala a Part D.
Chitsanzo chachitatu: Bambo Jones amatenga mankhwala owonjezera amtengo wapatali, komabe ali ndi chitsimikizo kudzera mwa abwana ake omwe amagwirizana ndi Medicare ndipo amamwa mankhwala ake. Zolemba zomwe abwana ake amapereka zimakhala zabwino monga gawo la D, choncho zimatengedwa ngati creditable.
Izi zikutanthauza kuti angathe kusunga chithandizo cha abwana ake, Gawo la D Part D, ndikutha kulembera ku Gawo D kenako (ngati ngati akugwiritsira ntchito mankhwala akugwiritsira ntchito mankhwala osatha) popanda chilango.
Mwachidziwikire, si nzeru kupita popanda kuchipatala konse mukakhala pa Medicare. Ngati mukusowa chithandizo cha mankhwala pambuyo pake, mudzalipira chifukwa cha chilango chakumapeto (chomwe chidzagwiritsidwe ntchito pa moyo wanu wonse). Ndipo kulembetsa kawirikawiri kumangokhala pawindo la Oktobala 15-December 7, ndikulumikizidwa bwino pa Januwale 1. Kotero ngati mutapezeka kuti muli ndi matenda aakulu omwe amafunika mankhwala okwera mtengo mu March, mwachitsanzo, mungakhale Anapitiriza kulipira ndalama zonse za mankhwala anu kwa chaka chonse, kenako anatsatiridwa ndi chilango cholembera pambuyo pake.
Kodi Ndingasankhe Bwanji Chigawo cha D Drug Plan?
Mungathe kupeza chithandizo cha Medicare Part D kuchokera ku dongosolo lokhazikitsa mankhwala (ngati muli ndi Medicare Yoyamba) kapena ndondomeko ya Medicare Advantage yomwe inakhazikitsidwa mu gawo la D.
Pali madera pafupifupi 20-40 osiyana siyana a D Part D omwe amaperekedwa ndi makampani osiyanasiyana a inshuwalansi m'boma lililonse (chifukwa cha 2018, pali 23 zokhazokha zokhazikitsidwa pa gawo D zomwe zikupezeka kumadera onse a dziko, kuphatikizapo 17 Njira za Medicare Zopindulitsa zomwe zimaphatikizapo gawo la D D). Gawo lonse la D Dongosolo la mankhwala liyenera kupereka mndandanda wa mankhwala oyenera monga momwe Medicare imafunira. Komanso, mankhwala opangira mankhwala angaphatikizepo mankhwala ena pa formularies.
Mtengo wokhala nawo pulogalamu umadalira ngati mapulaniwa amapereka phindu kupitirira zomwe a Medicare analamula (mwachitsanzo, "zopindulitsa"). Zotsatirazi zingayambitse mtengo wamwezi uliwonse kukhala wotsika mtengo:
- Ndondomekoyi imaphatikizapo mankhwala ena pa tsamba lake
- Ndondomekoyi siili ndi deductible kumayambiriro kwa chaka (zokonzedweratu za magawo a D gawo zingakhale zoposa $ 405 kwa 2018)
- Ndondomekoyi imaphatikizapo mtengo wa mankhwala ochizira panthawi yoperekera , kapena "dzenje lopangira."
Gawo khumi lodziwika kwambiri la gawo D lotsogolera D 2018 liri ndi malipiro omwe amasiyana ndi $ 20 / mwezi mpaka $ 84 / mwezi. Zina mwa zolingazi zimakula, pomwe zisanu ndi chimodzi ndizofunikira. Zina mwazinthu zowonjezera, malipiro apadera ndi $ 60.48 / mwezi, pamene mapulani oyambirira ali ndi ndalama zokwana $ 31.60 / mwezi.
Imodzi mwazinthu zothandiza kwambiri pa intaneti ndi tsamba la Medicare la boma, lomwe limakupatsani inu kufanizitsa PDP, phunzirani za mapulani operekedwa mmalo mwanu, ndipo muwone dongosolo la mankhwala aliwonse. Mukhoza kuyerekezera mapulani ndi mbali ndi kuwonetsera mapulani omwe akuphimba mankhwala anu.
Kuonjezerapo, malowa ali ndi malingaliro othandizira kuchepetsa ndalama muzengerezi. Ngati muli omasuka kugwiritsa ntchito intaneti, mungasankhe ndi kulembetsa ndondomeko yanu pa intaneti. Mukhoza kupeza zomwezo mwa kutchula thandizo la Medicare pa 1-800-Medicare.
Kodi Ndingapeze Thandizo Liti Pomwe Ndikusankha Dongosolo la D mankhwala?
Musanayambe kukonza dongosolo lachidakwa cha D, ndi kofunika kuti mumvetsetse bwino ndikusankha bwino. Madera ambiri ali ndi malo akuluakulu ndi antchito omwe angakuthandizeni kutsogolera ntchitoyi.
Ngati mukufunafuna zambiri pa Intaneti, yesetsani kupewa malo omwe amathandizidwa ndi makampani a inshuwalansi omwe amapereka mankhwala osokoneza bongo. M'malo mwake, yang'anani pa intaneti za mabungwe awa:
Chigawo cha Medicare Rights
Medicare Rights Center, bungwe lodziimira, lopanda phindu, ndi bungwe lalikulu kwambiri ku United States (kupatulapo boma la federal) lomwe limapereka chidziwitso ndi thandizo kwa anthu omwe ali ndi Medicare. Malo ake ali ndi gawo la kulandira mankhwala kwa Medicare Part D, kuphatikizapo mauthenga okhudza mapulogalamu omwe angakuthandizeni kulipira ndalama zanu za mankhwala. Mbali yapaderayi ya webusaitiyi ndi Medicare Interactive Counselor, chida chimene chimakuyendetsani kupeza njira yothetsera mankhwala yomwe ili yomveka kwa inu.
SHIP
Boma la Health Insurance Assistance Program limapereka uphungu ndi thandizo limodzi kwa odwala Medicare ndi mabanja awo. Sankhani boma lanu kuti mupeze gulu lanu lomwe lingakuthandizeni.
> Zotsatira:
> Kaiser Family Foundation. Medicare Part D: Kuyang'ana koyamba pa Mapulani a Mankhwala Osokoneza Bongo mu 2018. October 2017.
> Medicare.gov. Gawo D Chilango Chachidule Cholembetsa.
> Q1Medicare.com. CMS imatulutsidwa kumapeto kwa ndondomeko yowonjezereka 2018 Medicare Part D mankhwala akukonzekera njira zowunikira magawo. April 2017.
> Social Security Administration. Kumvetsa Thandizo Lowonjezereka ndi Mankhwala Anu Omwe Amagwiritsira Ntchito Mankhwala Osokoneza Bongo . 2017.