Ndondomeko Zosunga Ndalama Zokuthandizani Kusunga Ndalama
Boma la federal ndi maboma ambiri a boma ali ndi mapulogalamu othandizira anthu omwe amafunikira mtengo wotsika kapena mankhwala osasamala. Zambiri mwa mapulojekitiwa amafuna kuti mukwaniritse zofunikira zanu, zomwe zimaphatikizapo zaka zanu, msinkhu wanu, kukula kwa banja lanu, komanso ngati inu kapena aliyense m'banja lanu muli ndi kulemala.
Zoposa 65? Lowani dongosolo la Medicare Part D. Medicare Part D imalola anthu opitirira zaka 65 kuti asankhe pazinthu zamakono za mankhwala zomwe zimapereka mndandanda wa mautumiki akuluakulu a mankhwala.
Pali malingaliro angapo omwe alipo mu boma lililonse ndi zosokoneza zosiyanasiyana zomwe mungasankhe. Izi zingachititse kuti zikhale zovuta kuti mudziwe njira yomwe mungasankhe ndi ngati mudzasunga ndalama pa mankhwala anu a mankhwala. Zitsanzo ziwiri zotsatirazi zikusonyeza momwe Medicare Part D ingawononge kapena ingakuthandizeni kusunga ndalama pa mankhwala anu a mankhwala:
Ms. Smith ali ndi mtundu wa shuga 2, kuthamanga kwa magazi, ndi kupsinjika maganizo. Amatenga mankhwala atatu, omwe ndi metformin kwa matenda ake a shuga, enalapril chifukwa cha kuthamanga kwake kwa magazi, ndi paroxetine chifukwa chovutika maganizo. Amagwiritsira ntchito mankhwalawa ku Wal-Mart akumeneko chifukwa cha mtengo wa madola 10 kwa masiku 90 a mankhwala amodzi. Popeza mankhwala onse amawononga $ 40 pachaka x 3, ndalama zake pachaka ndi $ 120. Ndondomeko ya mankhwala ya Medicare yochepa kwambiri m'mayiko ake ili ndi $ 27 pamwezi pa mtengo wapatali wa $ 324. Gawo D gawo D lingakhale losamveka kwa Ms. Smith.
Bambo Smith ali ndi matenda a shuga a mtundu wa 2, mkulu wa cholesterol, kuthamanga kwa magazi, ndi hypogonadism, kapena testosterone yapamtunda, yomwe ingatheke mwa amuna omwe ali ndi matenda a shuga a mtundu wa 2. Amatenga mankhwala anayi, omwe amatchedwa metformin kwa shuga yake, simvastatin kwa cholesterol yake, Diovan chifukwa cha kuthamanga kwa magazi, ndi Androgel chifukwa cha testosterone yake yochepa.
Amagula mankhwala awa pa pharmacy ku supamake yake yapafupi. Diovan ndi Androgel onse ndi mankhwala okwera mtengo ndipo alibe ma generic. Mankhwala a Mr. Smith anam'patsa ndalama zoposa $ 3,500 pachaka. Pambuyo pa kulipira malipiro ake a mwezi uliwonse, ndalama zothandizira, komanso mankhwala osokoneza bongo, akhoza kupulumutsa ndalama zokwana madola 800 pachaka mwa kuphatikiza gawo la D.
Kukhala ndi vuto lolipiritsa Medicare gawo la D? Onani ndi Social Security Administration (SSA). Ngati muli mu dongosolo la mankhwala a Medicare, SSA ikhoza kudziwa ngati muli oyenerera thandizo loonjezera polipira ndalama za D Part D, pay premium, ndi copays za mankhwala. Ngati mukuyenerera, thandizo lowonjezera lingakhale loyenera kufika pa $ 3,900 pachaka. Webusaiti ya SSA Thandizo la mankhwala ovomerezeka ali ndi chidziwitso cha momwe mungapempherere thandizo lapadera ndikupereka mauthenga kwa mabungwe odalirika omwe angakuthandizeni kupeza zofunikira m'deralo.
Onani ngati mukufuna Medicaid. Pulogalamu ya Medicaid imapereka chithandizo chamankhwala kwa magulu ena omwe ali ndi ndalama zochepa - ena omwe alibe inshuwalansi ya thanzi kapena inshuwalansi yokwanira. Ngakhale kuti boma limakhazikitsa malamulo othandizira a Medicaid, pulogalamuyi ikuyendetsedwa ndi mayiko ena. Dziko lirilonse limapanga maofesi ati omwe ali nawo ndipo ndani omwe ali oyenerera.
Medicaid ali ndi mankhwalawa mankhwalawa ndipo amapereka mankhwala ambiri oyenera.
Ngati mutatumikira ku usilikali, fufuzani VA zabwino. Ngati ndinu wachikulire wokhala ndi ulemu wolemekezeka, mukhoza kupeza mankhwala a copay osachepera $ 10, ndipo, nthawi zina, kwaulere. Pitani kumalo osungirako zachipatala a m'dera lanu la VA, kapena pitani pa intaneti ku webusaiti ya VA Health Benefits.
Mu usilikali? Pezani chisamaliro chanu kuchokera ku TRICARE. TRICARE ndi pulojekiti yomwe imapereka chithandizo chaumoyo kwa anthu ogwira ntchito, a National Guard ndi Reserve, mamembala, mabanja awo, opulumuka ndi ena omwe kale anali okwatirana padziko lonse lapansi. Thandizo la TRICARE limaphatikizapo mankhwala aulere ochokera ku pharmacies apamadzi ndi mankhwala otsika mtengo kudzera pamakalata kapena kumalo osungirako mankhwala ogulitsira malonda.
Yang'anani mu mapulogalamu omwe amathandizidwa ndi boma. Ngati mulibe inshuwaransi yaumphawi kapena muli ndi inshuwalansi zomwe sizikuphimba mankhwala, boma lanu lingakhale ndi mapulogalamu apadera omwe angakuthandizeni kupeza mankhwala anu. Pulogalamu iliyonse ya dziko ili yosiyana ndi kuthandiza anthu omwe ali ndi zosowa zosiyanasiyana. NeedyMeds amapereka zokhudzana ndi mapulogalamu m'mayiko onsewa.
Kwa anthu omwe ali ndi Medicare Part D, boma lirilonse likuyenera kukhala ndi State Health Insurance Assistance Program (SHIP) lomwe limapereka aphungu omwe angakupatseni modzidzimutsa kuthandizira ndi mafunso kapena mavuto a Medicare .
Pitani kuchipatala cha kumudzi kapena kuchipatala chaulere. Malo ogwira ntchito zaumoyo omwe amalamulidwa ndi boma la federal amapezeka m'madera ambiri a dzikoli. Zipatalazi zimapereka chisamaliro kwa anthu omwe alibe inshuwalansi ya umoyo ndipo amakhala ndi masikelo othandizira pogwiritsa ntchito ndalama. Ambiri mwa ma kliniki awa ali ndi ma pharmayi pamasitolo kapena ali ndi malonda ndi ma pharmacy ammudzi.
- Pezani malo odwala m'dera lanu.
Zipatala zaulere ndi zipatala zamidzi zomwe zimapereka chithandizo chamankhwala kwaulere kapena mtengo wapatali kwa anthu osatonthozedwa. Makanki awa amathandiza odwala awo kupeza ndalama zochepa kapena mankhwala aulere. Zipatala zina zaulere zili ndi ma pharmayi pa malo kapena zimakhala ndi ma pharmacies akumeneko, ndipo ena amadalira zitsanzo komanso mapulogalamu othandizira odwala omwe ali ndi kampani.
- Pezani kliniki yaulere m'dera lanu.