Mmene Mungasungire Ndalama mu Medicare Part D Gap Gap
Malangizo Othandizira Omwe Amagwiritsidwa Ntchito palamulo pa March 23, 2010 amachititsa kusintha 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 mufika pamalopo, mudzapatsidwa 50% kuchotsera pa mtengo wonse wa mankhwala a dzina lanu panthawiyi.
- Medicare idzayamba kuwonjezerapo zowonjezera pa mtengo wa dzina lake ndi mankhwala ochiritsira .
Pofika m'chaka cha 2020, kusintha kumeneku kudzakuthandizani kwambiri kusiyana kwa kusiyana kwa ndalama ndipo m'malo molipirira ndalama zokwana 100%, udindo wanu udzakhala 25%.
Ngakhale kuti kusiyana kwa mapeto kudzathetsedwa, ndikofunika kukumbukira kuti mudzakhalabe ndi udindo wolipira 25% ya ndalama zomwe mukugwiritsa ntchito mankhwalawa. Ngati mutenga mankhwala ambiri kapena omwe ali okwera mtengo, ndalama zingakhale zolemetsa. Ndikofunika, panopa, kuti mukudziwa zinthu zomwe zingakuthandizeni.
Ndi Anthu Angati Amene Amakafika ku Donut Hole?
Malinga ndi lipoti la 2008 la Kaiser Family Foundation, anthu okwana 3.4 miliyoni a Medicare Part D omwe adakonza zokambiranawo anafika padera pazomwe analembera mankhwalawa mu 2007. Mphungu - yomwe imadziwika kuti "dzenje" - ndiyo nthawi imene anthu omwe ali ndi Medicare Ndondomeko ya mankhwala ayenera kulipira ndalama 100% za mankhwala awo.
Kaiser Foundation inapeza kuti anthu oposa 25% omwe adalowa nawo mankhwala a mankhwala a Medicare omwe anadzaza malamulo onse mu 2007, anafika padera. Anthu omwe ali ndi matenda aakulu, monga matenda a Alzheimer's, matenda a shuga ndi kupsinjika maganizo, anali ndi chiopsezo chachikulu chofikira kusiyana.
Kodi Pasanapite Nthawi Yanji D Maphunziro Amatha Kufika ku Donut Hole Ndipo Anakhala Pakati pa Nthawi Yaitali Bwanji?
Pafupifupi theka la anthu onse omwe adayambitsa mankhwala a mankhwala a Medicare omwe anali ndi mankhwala okwera mtengo okwanira kufika pamtunda wachitsulo mu 2007 anachita chomwecho kumapeto kwa August.
Anthu ambiri omwe anafika pamtunda wachitsulo m'mwezi wa July kapena pambuyo pake adatha chaka chonse mugawanika.
Kodi Anthu Anasintha Kugwiritsa Ntchito Mankhwala Pamene Anakafika ku Donut Hole?
Anthu ena omwe amafika pamalopo amasiya kumwa mankhwala awo. Poyang'ana mitundu mitundu eyiti ya mankhwala yomwe imayenera kukhala ndi matenda osiyanasiyana, a Kaiser Foundation adapeza kuti pafupifupi 15 peresenti ya anthu omwe anafika pa chitsekochi anayimitsa mankhwala awo.
Mwachitsanzo, anthu 10 peresenti mu dongosolo la mankhwala a Medicare omwe anali kumwa mankhwala achipatala kuti azitsatira mtundu wa shuga wa mtundu wa 2 omwe anafika pa chisawidwe choyimira anasiya kumwa mankhwala awo. Kwa munthu yemwe ali ndi matenda a shuga, kuimitsa mankhwala kwa nthawi yaying'ono kungayambitse mavuto aakulu.
Kodi Ndingatani Kuti Ndisiye Kugwiritsa Ntchito Mankhwala Osokoneza Bongo M'dongosolo la Donut?
Taganizirani kusinthira mankhwala osakwera mtengo
Imodzi mwa njira zophweka zochepetsera mankhwala anu okhudzana ndi mankhwala m'dothi la donut ndikutembenukira ku mtengo wotsika kapena mankhwala ochiritsira , ngati alipo komanso oyenera.
Mungathe kukambirana ndi dokotala wanu za mankhwala omwe mukuwapeza kuti mudziwe ngati pali mankhwala osokoneza bongo kapena otsika mtengo omwe angagwire ntchito monga momwe mukuchitira tsopano.
Mwachitsanzo, ngati mutenga Zoloft chifukwa cha kupsinjika maganizo, mukhoza kusunga ndalama zoposa $ 100 mwezi uliwonse mwa kusintha kwa sertraline, Zoloft yeniyeni.
Muzipereka mankhwala anu kwa miyezi itatu
Ngati muli ndi matenda aakulu, monga matenda a shuga, funsani dokotala kuti alembe kalata ya mankhwala a masiku 90. Mankhwala ambiri a Medicare amapereka chitsimikizo ngati mutagwiritsa ntchito mapulogalamu awo.
Ndiponso, mankhwala anu am'deralo angakupatseni mankhwala a masiku 90 kwa mtengo wofanana ndi dongosolo la makalata.
Fufuzani zopereka zachifundo zopezeka m'mayiko ndi m'midzi
Zolinga zamitundu yambiri komanso zamtundu uliwonse zimakhala ndi mapulogalamu omwe angakuthandizeni pa mtengo wa mankhwala anu. Malo abwino oti muyambe ndi webusaiti yathu ya Kupindula Kwambiri, ntchito ya National Council on Age. Webusaitiyi imapereka chidziwitso chosavuta kuwerengera za mankhwala a Medicare, momwe mungapezere zopindulitsa zina ndi momwe mungapempherere thandizo lina.
Yang'anani pa mapulogalamu othandizira mankhwala
Makampani ambiri omwe amagwiritsa ntchito mankhwala osokoneza bongo amapereka mapulogalamu othandizira anthu olembera mankhwala a Medicare. Mungathe kudziwa ngati Pulogalamu Yothandizira Pulogalamu imaperekedwa ndi opanga mankhwala omwe mumatenga pochezera tsamba la mankhwala omwe akuthandizidwa pa tsamba la Medicare.
Zonse zomwe muyenera kuchita ndi kupeza mankhwala anu mu mndandanda wa alfabeti. Tsambali limapereka zowonjezera za mapulogalamu omwe akupezekapo komanso kulumikizana ndi malo a kampani ya mankhwala kuti mudziwe momwe angapempherere thandizo.
Ganizirani mapulogalamu othandizira alimi a boma
Mayiko oposa 20 amapereka thandizo polipira ndalama zoyendetsera mankhwala ndi zina zotengera mankhwala. Mukhoza kupeza ngati dziko lanu liri ndi pulogalamu mwa kuyendera tsamba la State Pharmaceutical Assistance Programme pa webusaiti ya Medicare.
Ikani pulogalamu yowonjezera yothandiza
Ngati muli ndi pulaneti ya mankhwala a Medicare ndipo muli ndi ndalama zochepa komanso chuma, mukhoza kulandira thandizo linalake kulipira mankhwala anu a mankhwala.
Thandizo lowonjezera, lomwe likupezeka kudzera mu Social Security Administration, lingakupulumutseni ndalama polipilira ndalama zanu za mwezi uliwonse, zopereka zapadera zapachaka ndi zolembera. Pulogalamu Yowonjezera Yothandiza ingakupulumutseni mpaka $ 3,900 pachaka.
Kodi Pali Chomwe Ndingachichite Kuti NdipeĊµe Donut Hole?
Inde. Mukhoza kupewa phokoso la ndalama ngati mutha kugwiritsa ntchito mankhwala osokoneza bongo pansi pa $ 2,840 mu 2011. Imodzi mwa njira zabwino kwambiri zothandizira izi ndi kufunsa dokotala kuti akusinthani ku mankhwala achibadwa, ngati alipo komanso oyenera.
Kodi Chigawo Chonse D Mankhwala Osokoneza Bongo Amalipira Mankhwala Osokoneza Bongo M'dothi la Donut?
Inde. Mu 2011, mapulani ena a mankhwala a Medicare Part D ali ndi chithandizo chamankhwala mu dzenje lopangira. Zolingazi, komabe, zikhoza kukhala ndi malipiro apamwamba pamwezi uliwonse ndipo zimangopereka mankhwala ena enieni.