Kumvetsetsa Medicare Part D ndi Donut Hole

Kodi Mulipira Zambiri Zotani?

Medicare Part D inayamba kupereka mankhwala opatsirana mankhwala mu 2006. Pambuyo pa izi, okalamba anayenera kudzisamalira okha. Kulemetsa kwa mankhwala osokoneza bongo ndi kwakukulu ndi Achimereka pakati pa zaka 65 ndi 79 zakubadwa zomwe zimadzaza malemba 27.3 pachaka ndipo okalamba oposa zaka makumi asanu ndi atatu (80) akudzaza malemba 29.1 pachaka.

Masiku ano akuluakulu amatha kusankha gawo la D, kulipira malipiro a mwezi uliwonse komanso kupanga ndalama zothandizira ndalama kapena ndalama zothandizira ndalama zogulira mankhwala.

Vuto ndilokuti Gawo D liri ndi kusiyana kwa malo omwe amadziwika ngati dzenje losafunika ndipo si lokoma kwambiri.

Gawo D limapereka kufalitsa mpaka ndalama zina (kulingalira kudya kuchokera kumbali imodzi ya ndalama), kenako madontho (ndikuganiza kufika kumalo opanda kanthu) ndikuyambiranso kufalitsa pambuyo pa ndalama zina (taganizirani kufika kumbali inayo ya donut).

Chaka chilichonse Medicare imayika malire a gawo loyamba la donut, dzenje loyamba. Zimene mumalipiritsa komanso zomwe Mankhwala amalipiritsa chifukwa cha mankhwala anu adzawerengera ku malire a mtengowu. Ndalama zanu zamwezi zilizonse sizikuwerengera ndalamazi kapena mankhwala omwe sagwiritsidwe ntchito ndi gawo lanu D kapena mankhwala omwe adagulidwa kuchokera m'mayiko ena.

Mutatha kugwiritsa ntchito malire a malire, mumalowa muzako.

Pamene Gawo D linayamba, mukanakhala mukukwaniritsa ndalama zokwanira 100 peresenti ya mankhwala anu. Tsopano Medicare ikhoza kubwereka ndalama zina ndipo ndalamazo zikukula mu chaka chilichonse chifukwa cha Obamacare. Obamacare ikufuna kutseka dzenje la 2020 .

Mumakhala mu dzenje loperekera ndalama mpaka mutagula ndalama zina zomwe zimayikidwa chaka chilichonse ndi Medicare. Makampani azachipatala adzakupatsani 50 peresenti kuchotsera pa mankhwala a dzina lachidziwitso pazitsulo. Ndalama iliyonse yogwiritsidwa ntchito ndi gawo D yanu sichiwerengera ndalama izi. Apanso, malipiro anu a mwezi ndi mwezi komanso osadziwika kapena mankhwala osokoneza bongo samagwirizana ndi zofunikira za pakhomo.

Mutatha kugwiritsa ntchito ndalama zamkati, mumalowa nthawi yowonjezereka komwe mumalipira ndalama zolipira ndalama za mankhwala anu mpaka kumapeto kwa chaka. Pa January 1, ndondomekoyi ikuyambiranso.

Phokoso lachitsulo lingakhale lingaliro lovuta kumvetsa. Mwamwayi pofika chaka cha 2020, zidzakhala zophweka ndi kutseka dzenje lopangira.

_Kuchokera

_{Kusintha kwa Kugwiritsira Ntchito Zaumoyo ndi Mankhwala. IMS 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 Inapezeka pa August 12, 2015.}