Chombo chachitsulo, kapena kusiyana, ndi chimodzi mwa zifukwa zotsutsana kwambiri ndi mankhwala a Medicare Part D ndi madandaulo kwa anthu ambiri omwe alowetsa gawo la mankhwala a D Part D. Nkhani yabwino ndi yakuti ikukula mofulumira ndipo pofika chaka cha 2020, mudzalipira 25 peresenti ya mankhwala omwe mumalipira mutakumana ndi deductible yanu (ngati muli nayo).
Kumenya Donut Hole
Ngakhale kuti mankhwala onse ogwiritsira ntchito mankhwalawa ayenera kufotokozera kusiyana kwa zolemba m'mabuku awo ndi malonda, zimakhala zochititsa mantha kwa anthu ambiri amene amalembetsa mapepala pamene amapita mofulumira kupanga mapepala kapena kulipira 25 peresenti ya mankhwala kuti azilipiritsa peresenti yowonjezereka akatha kulowa dzenje.
Komabe, si onse omwe amagwira ntchito ku Medicare omwe angalowetse phokosoli komanso ngati muli oyenerera kupeza ndalama zowonjezerapo kuti mupereke ndalama za Medicare Part D yanu, simudzalowetsamo.
Momwe Donut Hole Imagwirira Ntchito
Ili ndilo gawo la gawo la D Dongosolo la mankhwala lomwe limafunika ndi Medicare mu 2018:
- Ngati mulowa nawo mankhwala a mankhwala a Medicare, mungafunikire kulipilira ndalama zokwana $ 405 za mankhwala anu osokoneza bongo, malingana ndi dongosolo lanu. Izi zimadziwika kuti deductible . Zolinga zina alibe deductible.
- Pakati pa gawo loyambako (pambuyo pokhapokha mutapatsidwa ndalama, mukuganiza kuti pulogalamuyo ili ndi deductible), mumalipira ngongole kapena ndalama zothandizira , ndipo ndondomeko yanu ya mankhwala D Part iri ikulipira gawo lake kwa mankhwala ophimbidwa kufikira mutangomaliza ndalama zanu (kuphatikizapo deductible). $ 3,750.
- Pamene inu ndi Gawo lanu la mankhwala D Part D mumagwiritsa ntchito madola 3,750 a mankhwala osokoneza bongo, mudzakhala mu dzenje la ndalama (popeza ndalama zomwe ndalama zanu zikulipira ziwerengedwenso, simungagwiritse ntchito mankhwala osokoneza bongo mtengo panthawi yomwe iwe ufikira phokoso lachitsulo). Musanafike chaka cha 2011, munayenera kulipira mtengo wonse wa mankhwala anu ovomerezeka muzitsulo. Komabe, kuyambira mu 2011, kuchepetsa kunayamba kugwiritsidwa ntchito ku mtengo wa mankhwala osokoneza bongo pamene olembetsa anali mu dzenje lachitsulo. Mu 2018, simunapereke ndalama zoposa 35 peresenti ya mtengo wa mankhwala omwe amadziwika ndi mankhwala omwe ali pamtunda, ndipo 44 peresenti ya mankhwala opangira mankhwala.
- Phokoso lopitirira likupitirizabe mpaka mtengo wanu wonse wamtengo wapatali ufikira $ 5,000. Kuwononga ndalama kwa chaka ndi chaka kumaphatikizapo ndalama zomwe mumapereka chaka chilichonse, ndalama zanu, komanso ndalama zothandizira ndalama , komanso zimaphatikizapo kuchepetsa mankhwala omwe mumapeza pakapita nthawi (choncho ngakhale mutapereka 35 peresenti ya mtengo wa chizindikiro Zina mwa mankhwala omwe ali mu dzenje la 2018, 85 peresenti ya mtengo wa mankhwalawa amawerengedwa ku ndalama zanu zowonongeka, kukuthandizani kuti mutuluke m'dothi lachangu mwamsanga).
- Pamene ndalama zanu zimagwiritsira ntchito ndalama zokwana $ 5,000, kusiyana kwa ndalama kumathera ndipo dongosolo lanu la mankhwala limalipira zambiri zomwe mumagwiritsa ntchito mankhwala osokoneza bongo kwa chaka chotsalira. Mukatero mudzakhale ndi ndalama zochepa ($ 3.35 kapena $ 8.35, malingana ndi kuti mankhwalawa ndiwotchulidwa / dzina lopangidwa ndi dzina kapena dzina losafuna) kapena ndalama zothandizira (5 peresenti ya mtengo), zilizonse zabwino. Mbali iyi, pamene mukulipira kagawo kakang'ono ka mankhwala anu, imadziwika ngati kufalikira koopsa .
Ndalama zomwe tatchula pamwambapa zimaphatikizapo mtengo wa mankhwala oyenera. Sizimaphatikizapo msonkho wamwezi uliwonse umene mumalipira pa dongosolo la mankhwala osokoneza bongo.
Zolemba Zingasokoneze Malinga ndi Mapulani Anu
Ndikofunika kumvetsetsa kuti dongosolo lanu la mankhwala okhudzana ndi gawo la D limasiyana ndi ndondomeko ya Medicare pokhapokha ngati dongosolo likukupatsani ubwino wabwino. Mwachitsanzo, ndondomeko yanu ikhoza kuthetsa kapena kuchepetsa kuchuluka kwa ndalama zoperekedwa. Ndipo ndondomeko yanu ikhoza kulipiritsa mankhwala ochizira kapena okonda mankhwala a dzina lachidziwitso pakamwa.
Kusintha kwaumoyo ndi Medicare Part D
Gawo la 3301 la mtengo wotsika wa Care Act , womwe unasindikizidwa kukhala lamulo pa March 23, 2010, umasintha kwa Medicare Part D kuti muchepetse ndalama zomwe simukuzigwiritsa ntchito pofika pamtunda, kuphatikizapo:
- Mu 2010, ngati mutakhala ndi ndalama zowonjezereka, muyenera kulandira ndalama zokwana madola 250 kuchokera ku Medicare.
- Kuyambira mu 2011, ngati mwafika pamtengowo, mudapatsidwa ndalama zokwana 50 peresenti pa mtengo wa mankhwala osokoneza bongo.
- Medicare inayamba kupitilira pa zowonjezera zowonjezera pa mtengo wa mankhwala ndi mankhwala ochizira, kuchokera mu 2012 kupita patsogolo. Pofika mu 2018, mumalipira 35 peresenti ya mtengo wa mankhwala a dzina lachidziwitso pamene muli mu dzenje, ndi 44 peresenti ya mtengo wa mankhwala ochizira.
Pofika 2020, m'malo molipira 100 peresenti ya ndalama za mankhwala anu, udindo wanu udzakhala 25 peresenti, kaya ndi dzina kapena chizindikiro.
Mankhwala a Medicare Part D
Kuti mumvetse bwino momwe mankhwala osokoneza bongo angakugwiritsireni ntchito pa Medicare D, apa pali zitsanzo:
Charley Smith
Charley Smith amatenga mankhwala atatu kuti azitha kuthamanga kwa magazi komanso cholesterol. Mankhwalawa amamutengera pafupifupi madola 1,200 mu 2018. Charley akusintha kwa mankhwala a Medicare omwe ali ndi ndalama zochepa kwambiri ndipo amapereka chithandizo cha Medicare choyenera, kuphatikizapo deductible ndipo palibe mankhwala opangira mankhwala.
Izi ndi zomwe mankhwala ake amamwa mankhwala adzagwiritse ntchito mu dongosolo lomwe wasankha:
- Charley adzalipira deductible ya $ 405 .
- Adzapereka ndalama zokwana madola 795 za mankhwala ake ($ 1200 - $ 405 = $ 795). Ndalama yake yowonjezera yowonongeka pa nthawi yoyamba yopereka ndalama izikhala $ 199 . ($ 795 x 25 peresenti = $ 199).
- Popeza Charley sanafikire malire a $ 3,750 oyambirira, sangalowe m'dothi lopangira.
Ndalama zonse zomwe Dr Charley ankachita kuti azigwiritsa ntchito mankhwala osokoneza bongo ali ndi ndalama zokwanira madola 405 (deductible) + $ 199 (gawo lake 25 peresenti ya mankhwala ake) = $ 604 (kuphatikizapo malipiro ake pamwezi pa dongosolo la Medicare Part D) .
Mary Jones
Mary Jones amatenga mankhwala atatu kuti athetse mtundu wake wa shuga 2, kuthamanga kwa magazi, ndi cholesterol yapamwamba-mankhwala onse a dzina. Mankhwalawa amamupatsa ndalama zokwana madola 4,500 mu 2018. Mary adayanjananso ndi mankhwala omwe amagwiritsidwa ntchito ndi Medicare omwe amapereka chithandizo chamankhwala cha Medicare , kuphatikizapo deductible ndipo palibe chithandizo cha mankhwala ochizira m'matope.
Izi ndizo zomwe mankhwala ake a mankhwala amachiza mu dongosolo lomwe wasankha:
- Mary adzalandira deductible ya $ 405 .
- Adzaperekera 25 peresenti ya mtengo wake wa mankhwala ake kwa mankhwala okwana madola 3,345 (ndiwo $ 3,750 caps $ 405 deductible) mpaka atayandikira kusiyana kwa mankhwala. Ndalama zake zina zowonjezera pa nthawi yoyamba yopereka ndalama zidzakhala pafupi madola 836 (kuyambira $ 3,345 nthawi 25 peresenti = $ 836.25).
- Kuchokera pamene Maria adafika madola 3,750 pazogwiritsira ntchito mankhwala osokoneza bongo ($ 405 + $ 3,345 = $ 3,750), adzalowamo khomo lachitsulo. Pasanafike chaka cha 2011, Mary ayenera kuti anali ndi ndalama zokwana 100 peresenti ya ndalama zake panthawiyi. Komabe, popeza mankhwala onse a Mary ali ndi mayina achidziwitso, ayenera kulipilira ndalama zokwana 35 peresenti ya mankhwala omwe ali m'kati mwake. Ayenera kupeza ndalama zokwana madola 1,250 mu ndalama zamankhwala asanatuluke mu dzenje, koma zonsezi zimapereka ndalama (35 peresenti ya mankhwala osokoneza bongo) ndipo 50 peresenti amatsitsa kuti wopanga mankhwala amapereka ndalama zokwana $ 1,250. Choncho ngakhale kuti izi zidzatenga madola 1,470 pa ndalama zonse (madola 1,250 ogawanika ndi 85 peresenti), Mary ayenera kulipira ndalama zokwana madola 515 kuchokera muthumba lake pomwe ali mu dzenje la ndalama (35 peresenti ya $ 1,470).
Ndalama zonse za Mary zomwe zimagwiritsidwa ntchito panthawiyi ndi mankhwala a Medicare Part D zidzakhala madola 405 (deductible) + $ 836 (gawo lake 25 peresenti ya mankhwala osokoneza bongo patsogolo pake) + $ 515 (zomwe ayenera kuchita kulipira pakhomo la ndalama) $ 1,756 (kuphatikizapo malipiro ake pamwezi pa dongosolo la Medicare Part D).
> Zotsatira:
> Medicare.gov. Ndalama Zopangira Gap.
> Medicare.gov. Zowonjezera Zowonjezera Mankhwala Kudzera M'chaka cha 2020.
> Medicare.gov. Sungani pa Zida Zamankhwala.
> Medicare.gov. Zaka Zakale Zotayidwa pa Zida Za Mankhwala.
> U. Nyumba ya Oimira. Chitetezo cha Odwala ndi Ntchito Yabwino Yothandizira, Gawo 3301 . Inakhazikitsidwa pa March 23, 2010.