Kufotokozera Zolemba Zopindulitsa
Ngati muli pa Medicare, muli ndi ufulu wopanga pankhani ya kulipira mankhwala anu. Kodi mutenga gawo la Gawo D, Mapulani a Medicare Advantage ndi gawo D (PD) kapena mukufuna kufufuza kunja kwa Medicare? Zonsezi zimagwiritsidwa ntchito polemba malipiro.
Kodi Ndi Phindu Lanji D Mapulani?
Kulemba kwachinsinsi kumatanthauza kuti inshuwalansi ya umoyo wanu imakhala ndi chithandizo cha mankhwala oyenera ngati mankhwala monga Medicare Part D.
Nkhani yabwino ndi yakuti gawo la D likulingalira kwambiri.
- Mapulani a Gawo D ayenera kupereka mayina ndi mankhwala omwe amapezeka pa formularies , mwachitsanzo, mndandanda wa mankhwala ophimbidwa.
- Zolinga za Gawo D ziyenera kupereka mosavuta mankhwala anu kudzera m'magulitsidwe, makalata, makalata osungirako kunyumba komanso mankhwala osamalira a nthawi yaitali.
- Zolinga za gawo D zimayenera kuika mankhwala osachepera awiri m'gulu la mankhwala osiyana siyana. Pazigawo zisanu ndi chimodzi - anti-depressants, antipsychotics, chemotherapy agents, mankhwala a HIV / AIDS, ma immunosuppressants ndi mankhwala osuta - pafupifupi mankhwala onse adzaphimbidwa.
- Gawo D ndondomeko silingathe kukulipiritsani zoposa 25 peresenti ya mtengo wogulitsira mankhwalawa. Izi ndizochitika mpaka mutha kufika pamtunda .
Kufotokozera Zolemba Zopindulitsa
Ndondomeko za mankhwala osokoneza bongo siziyenera kupereka mankhwala ochulukirapo pamagulu awo monga gawo la D D koma ayenera kuchita izi:
- Ayenera kupereka mankhwala ochiritsira komanso odziwika.
- Ayenera kupereka mwayi wopezeka kwa a pharmacies. Ma pharmacies am'ndandanda wa makalata amatha kusankha.
- Ayenera kulipira 60 peresenti ya mtengo wa mankhwala anu.
- Amapezanso chimodzi mwa izi:
- Palibe malire ku mapindu omwe mapulani amapereka chaka chilichonse kapena ndondomeko ikugwirizana kulipira ndalama zokwana madola 25,000 chaka chilichonse ku mankhwala anu.
- Ndondomekoyi ikuyembekeza kulipilira osachepera $ 2,000 pamtengo.
- Pulojekiti yowonjezera yomwe imaphatikizapo mapindu ena (dental, masomphenya, etc), ndondomekoyi ili ndi) ndalama zochepa kapena zosachepera $ 250, b) palibe malipiro apadera pachaka kapena mgwirizano kuti ulipire ndalama zokwana madola 25,000 pa mankhwala anu a mankhwala ndi c) ali ndi ndalama zokwana madola 1,000,000 kuphatikizapo zopindulitsa.
Zimapanga Zopindulitsa
Ngati muli ndi chidziwitso cha thanzi chomwe chili ndi ndalama zambiri, palibe chifukwa cholembera ndondomeko ya MA-PD kapena Part D. Zitsanzo za ndondomeko zothandizira zaumoyo zomwe zili ndi ngongole zowonjezera zikuphatikizapo:
- India Health Service
- Pulogalamu Yomwe Akuphatikiza Pakati pa Okalamba (PACE)
- TRICARE
- Zopindulitsa za Veteran's Health
Ndondomeko zina, makamaka ndondomeko zapadera kapena ntchito zothandizira ogwira ntchito, zimasiyana ndi zomwe zimapereka mankhwala ndi momwe amachitira. Ngati muli oyenerera Medicare, ndondomeko izi ziyenera kukudziwitsani ngati zolinga zawo zili zolemekezeka kapena ayi. Kaŵirikaŵiri amachitira izi pamsonkhano wapachaka.
Muli ndi ufulu wodziwa ngati zopindulitsa zanu zili bwino monga ndondomeko ina. Kupeza ngongole ndi njira imodzi yomwe mungagwirizanitse khalidwe pakati pa mitundu yosiyanasiyana ya mankhwala opatsirana mankhwala.
N'chifukwa Chiyani Nkhani Yopindulitsa Ndi Yofunika Kwambiri?
Kusakhala ndi malipiro oyenera kungakuwonongereni ndalama. Izi ndichifukwa chakuti Medicare imakulipirani chilango ngati mutalembera kumapeto kwa gawo D. Kulemba mochedwa kuti mwina 1) munasowa nthawi yoyamba yolembera mutakwanitsa zaka 65 ndipo simunali ndi chithandizo pa nthawiyo, 2) Munasowa Nthawi Yanu yolembetsa yapadera mukasiya dongosolo lanu labwino la umoyo, kapena 3) simunalembepo masiku asanu ndi limodzi (63) kuti mutaya mwayi wodalirika kuchokera kumalo ena.
Gawo D Milandu yochedwa imatha ngati mutakhala ndi Medicare.