Mmene Mungapewe Chigawo D Pambuyo Pachilango Cholembetsa
Samalani kuti mupewe chilango cha Medicare Part D chilango cholembera!
Medicare Part D, phindu la mankhwala opatsirana pogwiritsira ntchito mankhwala, limaperekedwa kwa aliyense yemwe ali ndi Medicare. Kuti mupeze chithandizo cha mankhwala a D Part D, muyenera kulowetsa ndondomeko ya kampani ya inshuwalansi yapadera yomwe yavomerezedwa ndi Medicare (kugawanika kwa gawo la D D) kapena kulembetsa dongosolo la Medicare Advantage lomwe likuphatikizidwa ndi mankhwala.
Mmene Mungagwirizanitsire, Kusintha, Kapena Kutaya Mankhwala Osokoneza Bongo a Medicare
Medicare ili ndi malamulo enieni okhudza nthawi yomwe mungagwirizane nawo, kusintha, kapena kusiya Dongosolo la mankhwala a Medicare Part D. Mukhoza kulumikiza dongosolo la mankhwala D Part D:
- Mukangoyamba kulandira Medicare (nthawi ya miyezi isanu ndi iwiri yomwe imayamba miyezi itatu isanakwane mwezi mutatsala 65, ikuphatikizapo mwezi womwe mukusambira zaka 65, ndipo imatha miyezi itatu pambuyo pa mwezi wanu mutatsala 65).
- Ngati mutalandira Medicare chifukwa cha kulemala, mungathe kujowina pa miyezi itatu isanakwane miyezi itatu mutatha mwezi wanu wa 25 wodwala.
Mungathe kujowina, kusinthana, kapena kusiya Dongosolo la mankhwala a Medicare Part D:
- Pakati pa October 15 ndi December 7 chaka chilichonse, kuti chaka chino chichitike mwamsanga.
- Nthawi iliyonse, ngati mukuyenerera thandizo linalake kuchokera kwa Medicare, kapena muli awiri oyenerera ku Medicare ndi Medicaid.
Medicare imafuna kuti mutatha kulembetsa dongosolo lachidakwa cha D, muyenera kulembetsa chaka cha kalendala yomwe imayambira tsiku lanulo likuyamba.
Komabe, mungathe kujowina, kusintha, kapena ndinu mankhwala anu a Medicare nthawi zina:
- Ngati mutachoka ku gawo lanu la gawo D, monga kusamukira kudera lina.
- Ngati mutayika mankhwala ena opatsirana pogwiritsa ntchito mankhwala oyenera.
- Ngati mumakhala kumalo osungirako okalamba kapena malo ena osamalirako nthawi yaitali.
Tsamba la Medicare la Kugwiritsa Ntchito Mankhwala Ovomerezeka Odalirika: Kuwongolera mankhwala osokoneza bongo (mwachitsanzo, kuchokera kwa abwana kapena mgwirizano) omwe akuyembekezeredwa kulipira, pafupifupi, monga momwe Medicare analembetsera mankhwala oyenera. Anthu omwe ali ndi chithandizo choterewa akayenera kulandira Medicare akhoza kusunga chithandizochi popanda kulipira chilango, ngati atasankha kulembetsa mankhwalawa pa Medicare.
The Medicare Part D Chilango Cholembetsa Chachidule
Medicare ya chilango cha kulembedwa kwafupipafupi ndi ndalama zomwe zawonjezeredwa ku gawo lanu D mwezi uliwonse. Mukhoza kulandira chilango chakumapeto chifukwa cha chimodzi mwa zotsatirazi:
- Simunayambe kugwiritsa ntchito mankhwala a Medicare Part D pamene mudali oyenera ku Medicare, ndipo munalibe mankhwala ena ovomerezeka a mankhwala.
- Simunali ndi mankhwala a Medicare kapena mankhwala ena ovomerezeka a mankhwala kwa masiku 63 kapena kuposa mzere.
Dziwani: Ngati mutalandira thandizo Lowonjezereka, simukulipira chilango cholembera.
Mungathe kupewa kulipira chilango mwa:
Kulowa nawo gawo lachidakwa cha D dokotala pamene mukuyenera kudwala Medicare.
Osapita masiku 63 kapena kuposera mzere popanda dongosolo la mankhwala a Medicare Part D kapena kulandira malipiro ena. Malingana ndi Medicare: Kugwiritsa ntchito mankhwala osokoneza bongo kungaphatikizepo mankhwala osokoneza bongo kuchokera kwa munthu wamakono kapena woyang'anira kapena wogwirizana, TRICARE, Indian Health Service, Dipatimenti ya Veterans Affairs, kapena inshuwalansi yothandizira.
Ndondomeko yanu idzakuuzani chaka chilichonse ngati chithandizo chogwiritsa ntchito mankhwala ndi chongopeka. Uthenga uwu ukhoza kutumizidwa kwa inu mu kalata kapena mu ndondomeko yamakalata kuchokera pa ndondomekoyi. Sungani izi, chifukwa mungazifune ngati mutalowa nawo mankhwala a Medicare mtsogolo.
Onetsetsani kuti muwuze ndondomeko yanu yokhudzana ndi mankhwala aliwonse omwe mumakhala nawo ngati akufunsa za izi: Mukalembera ndondomeko, ndipo amakhulupirira kuti mwapita masiku osachepera 63 mosadutsa popanda kulandira mankhwala oyenera, adzakutumizirani kalata. Kalatayi idzaphatikizapo fomu yopempha zachithandizo chilichonse chomwe mumakhala nacho. Lembani fomuyi. Ngati simukuwuza ndondomeko yanu yokhudzana ndi ngongole yanu, mungafunike kulipira chilango.
Chilango Chikhoza Kuwonjezera!
Kodi ndi chilango chotani chomwe chidzakulepheretseni kulandira chiwerengero cha mankhwala osokoneza bongo? Chilango cholembetsa chakumapeto chiwerengedwa ndi kuchulukitsa 1% mwa "$ premium premium premium" ($ 35.63 mu 2017) wochulukitsidwa ndi chiwerengero cha miyezi yonse yomwe inu mukuyenerera koma simunalowe nawo mankhwala a mankhwala a Medicare ndipo simunayambe mankhwala ena kulandira mankhwala.
Ndalamayi ndiyendetsedwe ku $ yapafupi kwambiri. Popeza kuti "ndalama zothandizira phindu la dziko lonse" zingapitirire chaka chilichonse, chiwerengero cha chilango chikhoza kuwonjezeka chaka chilichonse. Muyenera kulipira chilango ichi malinga ngati muli ndi dongosolo la mankhwala a Medicare.
Chitsanzo 1: Akazi a Jones sanalowe nawo gawo lachigawo D pamene anali woyenera (pa May 15, 2006). Anagwirizana ndi dongosolo la mankhwala a Medicare panthawi yomwe analembetsa mu 2009 (November 15-December 31, 2009), kuti alembetse bwino pa January 1, 2010. Popeza amayi a Jones sanayambe nawo pa nthawi yoyamba ndipo sanatenge mankhwala enaake Kuchokera kwa miyezi 43 (June 2007-December 2010), adaimbidwa chilango cha mwezi wa $ 13.90 mu 2011, pamene ndalama zowonjezereka zapadera zili $ 32.34 ($ 32.34 x.01 x 43 = $ 13.90) pokhapokha pa msonkhanowu wamwezi uliwonse.
Pofika mu 2017, phindu lalikulu la dzikoli linapitirira $ 35.63, choncho chilango cha amayi a Jones chinakula kufika $ 15.32 pamwezi ($ 35.63 x 0.01 x 43 = $ 15.32). Ngati Akazi a Jones akupitiriza ndi dongosolo lake la mankhwala D Part D kwa zaka khumi, chilango chake chidzamupiritsa $ 1800.00
Chitsanzo 1: Bambo Smith sanalowe nawo gawo D gawo pamene adayesedwa koyamba (pa January 15, 2010). Anayamba nawo ntchito yothandizira mankhwala a Medicare panthawi yolembera mu 2010 (November 15-December 31, 2010), kuti alembetse bwino pa January 1, 2011. Kuchokera pamene a Smith sanalowe nawo pamene anali woyenera komanso sankagwiritsidwa ntchito Kuphunzira kwa miyezi 11 (February 2010-December 2010), adaimbidwa chilango cha madola 3.56 mu 2011 ($ 32.34 x.01 x 11 = $ 3.56) kuphatikizapo malipiro ake a mwezi uliwonse.
Pofika mu 2017, chilango cha Mr. Smith (poganiza kuti adakali ndi Medicare Part D) chikuwonjezeka kufika $ 3.92 pamwezi, kuphatikizapo ndondomeko yake yowonjezera ($ 35.63 x 0.01 x 11 = $ 3.92).
> Zotsatira:
> Medicare.gov Gawo D Chilango Chachidule Cholembetsa.
> Medicare.gov. Nthawi Zowonjezera Zapadera Mukapeza Thandizo Lowonjezereka.