Momwe Mungagwiritsire Ntchito Ndalama Zanu Zogwiritsira Ntchito Mankhwala Ogwiritsa Ntchito Mankhwala
Zisanafike chaka cha 2006, Medicare sanayambe kumwa mankhwala oyenera, makamaka ambiri mwa iwo. Mankhwala ochepa anali kuperekedwa pansi pa Medicare Part B , koma mwinamwake, munayenera kulipira mankhwala anu m'thumba.
Zonsezi zinasintha pamene Pulezidenti George W. Bush adagwiritsa ntchito Medicare Prescription Drug, Improvement, ndi Modernization Act (MMA) mu 2003.
Lamulo linalenga chimene ife tsopano tikuchidziwa monga Medicare Part D, gawo lomwe lingakwaniritsidwe la Medicare lomwe limapereka chithandizo choyenera cha mankhwala.
Mapulani a Gawo D amayendetsedwa ndi makampani a inshuwalansi, osati boma. Komabe, boma la federal limapereka ndondomeko pa mankhwala omwe amayenera kukonzekera komanso momwe mungagwiritsire ntchito ndalama zambiri. Bukhuli likufotokoza zonse zomwe muyenera kudziwa zomwe mudzapereke kwa Medicare Part D chaka chino.
Gawo D Zopindulitsa
Ndalama zomwe mumagwiritsa ntchito mumatumba anu musanayambe kugwiritsa ntchito mankhwala osokoneza bongo. Mapulani anu akhoza kapena sangakhale ndi deductible. Chiwongolero chadongosolo chomwe mungathe kupereka pa 2017 chimaikidwa pa $ 400, kuwonjezeka kwa $ 40 kuchokera mu 2016.
Gawo D Zopambana
Choyambirira ndi ndalama zomwe mumagwiritsa ntchito mwezi uliwonse kuti mupeze mwayi wathanzi. Boma silikhazikitsa malamulo oyenera pa mitengo yamtengo wapatali ndipo mitengo imayamba kuwonjezeka chaka chilichonse. Mu 2017, chiwongoladzanja cha gawo laling'ono la D chikulinganiza pafupifupi $ 34 pamwezi.
Mapulani ndi kufotokozedwa kwapadera adzakhudza zambiri.
Gawo la D National Premium Benefiary Premium
Musati musokoneze ndalama zanu zonse zapadera (NBBP) ndi malipiro anu a mwezi uliwonse. Ngakhale kuti chiwerengerocho chikhoza kukhala chimodzimodzi, iwo kawirikawiri ali. NBBP ndi mtengo wogwiritsidwa ntchito kuwerengera kuchuluka kwa momwe mukulipilira mu chilango cha Part D ngati mulembela mochedwa phindu.
Bwino lanu ndikuteteza chilango cha Part D kwathunthu, choncho onetsetsani kuti mukugwiritsa ntchito kalendala ya Medicare yabwino kuti mulembetse nthawi . NBBP yakhazikitsidwa pa $ 35.63 kwa 2017.
Gawo D Dokotala wokhudzana ndi ndalama zowonjezera
Boma limakutsutsaninso zina zowonjezera gawo la D malinga ndi zomwe mumapeza. Izi zimadziwika kuti Malipiro Okhudzana ndi Malonda Omwe Amagwiritsidwa Ntchito (IRMAA). Mutha kulipira IRMAA mwezi uliwonse ku boma la federal komanso patsiku la mwezi ku kampani ya inshuwalansi.
| Zopeza | Zotsatira zanu za 2017 | Sintha kuchokera mu 2016 |
| Zosakwana $ 85,000 | $ 0 pamwezi | Kuwonjezeka kwa $ 0 mwezi uliwonse pachaka |
| $ 85,000 - $ 107,000 | $ 13.30 pamwezi | Kuwonjezeka kwa $ 0.60 pamwezi Kuwonjezeka kwa $ 7.20 pachaka |
| $ 107,000 - $ 160,000 | $ 34.20 pamwezi | Kuwonjezeka kwa $ 1.40 pamwezi Kuwonjezeka kwa $ 16.80 pachaka |
| $ 160,000 - $ 214,000 | $ 55.20 pamwezi | Kuwonjezeka kwa $ 2.40 pamwezi Kuwonjezeka kwa $ 28.80 pachaka |
| Zoposa $ 214,000 | $ 76.20 pamwezi | Kuwonjezeka kwa $ 3.30 pamwezi Kuwonjezeka kwa $ 39.60 pachaka |
| Zopeza | Zotsatira zanu za 2017 | Sintha kuchokera mu 2016 |
| Osachepera $ 170,000 | $ 0 pamwezi | Kuwonjezeka kwa $ 0 mwezi uliwonse pachaka |
| $ 170,000 - $ 214,000 | $ 13.30 pamwezi | Kuwonjezeka kwa $ 0.60 pamwezi Kuwonjezeka kwa $ 7.20 pachaka |
| $ 214,000 - $ 320,000 | $ 34.20 pamwezi | Kuwonjezeka kwa $ 1.40 pamwezi Kuwonjezeka kwa $ 16.80 pachaka |
| $ 320,000 - $ 428,000 | $ 55.20 pamwezi | Kuwonjezeka kwa $ 2.40 pamwezi Kuwonjezeka kwa $ 28.80 pachaka |
| Zoposa $ 428,000 | $ 76.20 pamwezi | Kuwonjezeka kwa $ 3.30 pamwezi Kuwonjezeka kwa $ 39.60 pachaka |
| Zopeza | Zotsatira zanu za 2017 | Sintha kuchokera mu 2016 |
| Zosakwana $ 85,000 | $ 0 pamwezi | Kuwonjezeka kwa $ 0 mwezi uliwonse pachaka |
| $ 85,000 - $ 129,000 | $ 55.20 pamwezi | Kuwonjezeka kwa $ 2.40 pamwezi Kuwonjezeka kwa $ 28.80 pachaka |
| Kuposa $ 129,000 | $ 76.20 pamwezi | Kuwonjezeka kwa $ 3.30 pamwezi Kuwonjezeka kwa $ 39.60 pachaka |
Donut Hole
Medicare Part D ili kutali kwambiri. Ndipotu, lili ndi dzenje lalikulu. Chomwe chimatchedwa dzenje la donut ndi kusiyana komwe kumachitika mutatha iwe ndi Medicare atagwiritsa ntchito ndalama zina pa mankhwala anu a mankhwala. Pambuyo pa ndalamazo, mwatsala kulipira mankhwala anu pokhapokha mutagwiritsa ntchito mokwanira kuti mupeze "Kuwunika koopsa" kudzera mu gawo lanu D.
Phokoso lachitsulo limakhala lochepa mu 2017 chifukwa cha mtengo wapatali wa Care Act, aka Obamacare . Kuyambira mu 2013 malamulo a Affordable Care Act pang'onopang'ono anatsika kuchuluka kwa inu kukakamizidwa kuti mutuluke m'thumba pa mankhwala anu. Ngati malamulowa apitilira, mwachitsanzo, ngati Chithandizo cha Care Affordable sichinasinthidwe , dzenjelo lidzatsekedwa mu 2020.
Mpaka apo, ndalama zomwe mumalipira musanalowe m'ngalawa, yomwe imadziwika ngati malire oyamba, ikuwonjezeka kuchoka pa $ 3,310 mpaka $ 3,700 mu 2017. Iyi ndi nkhani yabwino. Zimatanthawuza kuti zitenga nthawi yaitali musanalowe m'dothi loperekedwa.
Mukakhala mu dzenje lamalo, mmalo molipira ndalama zanu za gawo lachigawo D, mudzabwezera 40 peresenti ya mankhwala a dzina lanu ndi 51 peresenti ya mankhwala ochiritsira , osati ndalama zomwe mumakonda. Chaka chilichonse kupyolera mu 2020, mudzalipira magawo ang'onoang'ono pa mankhwala anu mpaka chitsekocho chitatsekedwa pa 25 peresenti.
Mulipira ndalama zokwana madola 1,250 mu chingwe cha 2017 poyerekezera ndi $ 1,540 mu 2016. Mutatha kugwiritsa ntchito ndalama zimenezi, mumalowa gawo la zoopsa zomwe mungathe kulipira $ 3.30 zokhazokha mankhwala osokoneza bongo komanso $ 8.25 chifukwa cha mankhwala a dzina la mwezi uliwonse.
Gwiritsani ntchito ndondomekoyi kuti ikuthandizeni kupyolera muzitsulo .
Mawu Ochokera
Mankhwala a mankhwalawa akhoza kukhala okwera mtengo koma musalole kuti zimenezo zikuwopsyezeni inu. Dziwani zomwe malingaliro anu a Medicare Part D akuwunikira ndi kuchuluka kwa momwe mungayang'anire kulipira. Pogwiritsa ntchito mfundoyi, mukhoza kupanga bajeti chaka chotsatira ndikusunga zodabwitsa zilizonse.