Upangiri Wanu Wonse ku Medicare Gawo D.

Zamkati

• Kodi Medicare Part D ndi chiyani?
• Mfundo zachidule zokhudza Medicare Part D.
• Ndi mankhwala ati omwe amapezeka mu Medicare Part D?
• Zomwe Gawo D liyenera kukhudza
• Chifukwa chiyani mungafune Medicare Part D
• Ndani ali woyenera Medicare Part D?
• Kodi njira za Medicare Part D zilipo?
• Kodi Medicare Part D ndi ndalama zingati?
• Kodi dzenje la donut ndi chiyani?
• Mafunso oti mufunse musanalembetse ku Medicare Part D
• Kodi Medicare Part D ikufanana bwanji ndi mapulani ena?
• Malangizo posankha dongosolo
• Kodi mungalembetse liti ku Medicare Part D?
• Kodi pali chilango chokhazikika ngati mwalembetsa mochedwa?
• Momwe mungalembetsere mu Medicare Part D
• Kutenga

• Medicare Part D ndi mankhwala omwe dokotala amakupatsani.
• Mutha kugula dongosolo la Medicare Part D ngati mukuyenera Medicare.
• Mapulani a Gawo D ali ndi mndandanda wazakumwa zomwe amatchedwa formulary, kuti mudziwe ngati mapulani amakwaniritsa zomwe mwapatsidwa.
• Malingaliro ena a Medicare Part D akuphatikizidwa mu mapulani a Medicare Advantage.

Kusankha njira yoyenera ya Medicare ndikofunikira. Ndizosankha zosiyanasiyana, ma copay, ma premium, ndi zochotseredwa, zitha kukhala zokhumudwitsa kuti mudziwe njira yabwino kwambiri.

Medicare ndi ndondomeko ya inshuwaransi yazaumoyo yolipiridwa ndi boma ya anthu azaka 65 kapena kupitilira apo ku United States. Ili ndi magawo angapo omwe amakhudza mitundu yosiyanasiyana yaumoyo ndi zamankhwala.

Kodi Medicare Part D ndi chiyani?

Medicare Part D imadziwikanso kuti mankhwala omwe alembedwa ndi Medicare amafotokoza. Zimathandizira kulipira mankhwala omwe sanatchulidwe m'magawo A kapena B.

Ngakhale boma limalipira 75% ya mtengo wamankhwala pa Gawo D, anthu omwe adafundikirabe amafunika kulipira ndalama zoyambira, kukopera, komanso kuchotsera.

Kupeza ndalama ndi mitengo kumasiyana malinga ndi pulani yomwe mwasankha. Ndikofunika kuti muwone zosankha zonse musanasankhe dongosolo la Medicare Part D.

Mfundo zachidule zokhudza Medicare Part D.

• Ndi mapulani a mankhwala omwe mungalandire kwa omwe akuyenera kulandira Medicare.
• Muyenera kulembetsa ku Medicare Part A kapena Part B kuti mukhale oyenerera.
• Kuphatikiza kwa Medicare Part D ndizotheka.
• Muyenera kulembetsa mu Gawo D pakati pa Okutobala 15 ndi Disembala 7. Kupeza sikumangokhala kotere ndipo zilango zolembetsa mochedwa zingagwire ntchito.
• Thandizo lolembetsa boma likupezeka.
• Mankhwala omwe adaphimbidwa amatengera mapulani amomwe aliyense (mndandanda wa mankhwala okutidwa).

Ndi mankhwala ati omwe amapezeka mu Medicare Part D?

Zolinga zonse ziyenera kupereka mankhwala "ofanana" omwe a Medicare asankha. Kuphunzira kumachokera pazomwe anthu ambiri pa Medicare akutenga. Dongosolo lirilonse liri ndi mndandanda wake wa mankhwala omwe mapulaniwo amakhudza.

Mapulani ambiri amateteza katemera ambiri popanda copay.

Ndikofunikira mukasankha dongosolo la Medicare Part D kuti muwonetsetse kuti mankhwala omwe mumamwa atsekedwa. Izi ndizofunikira makamaka ngati mutenga mankhwala apadera kapena okwera mtengo.

Zolinga zonse zimakhala ndi mankhwala osachepera awiri ndipo nthawi zambiri amakhala ochulukirapo ochokera m'magulu azithandizo ndi magulu.

Ngati dokotala akukulemberani mankhwala osakhala pamndandanda, akuyenera kufotokoza chifukwa chake chosowa chimafunikira. Medicare imafuna kalata yopita ku kampani ya inshuwaransi yofotokoza chifukwa chake mankhwalawa amafunikira. Palibe chitsimikizo kupatula komwe kudzaloledwa. Mlandu uliwonse umasankhidwa payekhapayekha.

Kuyambira pa Januware 1, 2021, ngati mutatenga insulin, insulini yanu imatha kulipira $ 35 kapena kuchepera kwa masiku 30. Gwiritsani ntchito Medicare kuti mupeze chida chofananizira kuyerekezera mapulani a Medicare Part D ndi mtengo wa insulin m'boma lanu. Mutha kulembetsa mu gawo la D pakulembetsa momasuka (Okutobala 15 mpaka Disembala 7).

Dongosolo lamankhwala lingasinthe mankhwala kapena mitengo pamndandanda wawo nthawi iliyonse pazifukwa zingapo, monga:

• generic ya mtundu imapezeka
• Mtengo wa mtunduwo ungasinthe ngati generic ipezeka
• mankhwala atsopano akupezeka kapena pali zatsopano zokhudzana ndi mankhwalawa kapena mankhwalawa

Zomwe Gawo D liyenera kukhudza

Mapulani a Gawo D ayenera kulemba mankhwala onse m'magulu awa:

• mankhwala a khansa
• mankhwala opatsirana pogonana
• Mankhwala a anticonvulsive pamavuto okomoka
• mankhwala osokoneza bongo
• Mankhwala a HIV / AIDS
• mankhwala opatsirana pogonana

Pamankhwala ogwiritsira ntchito, mavitamini, zowonjezera mavitamini, zodzikongoletsera, komanso mankhwala ochepetsa thupi sali yokutidwa ndi Gawo D.

Mankhwala osokoneza bongo ayi yokutidwa ndi Medicare Part D ndi awa:

• mankhwala obereketsa
• mankhwala omwe amagwiritsidwa ntchito pochiza anorexia kapena kuwonda kwina kapena kupindula pamene izi sizili mbali ina yodziwikitsa
• Mankhwala omwe amaperekedwa kokha kukongoletsa kapena kukula kwa tsitsi
• mankhwala omwe amaperekedwa kuti athetsere kuzizira kapena kutsokomola ngati izi sizili mbali ina yodziwikitsa
• mankhwala omwe amagwiritsidwa ntchito pochiza kuwonongeka kwa erectile

Chifukwa chiyani mungafune Medicare Part D

Mankhwala ndi okwera mtengo ndipo mitengo ikukwera. Malinga ndi Centers for Medicare and Medicaid (CMS), ndalama zowonongera mankhwala azamankhwala zimakwera pafupifupi 10.6% chaka chilichonse pakati pa 2013 ndi 2017.

Ngati mukufika zaka 65 ndipo mukuyenera kulandira Medicare, Gawo D ndi njira imodzi yothandizira kulipira mtengo wamankhwala akuchipatala.

Ndani ali woyenera Medicare Part D?

Ngati mukuyenera kulandira Medicare, mukuyenera kulandira Gawo D. Kuti mukhale woyenera ku Medicare, muyenera:

• osachepera zaka 65
• alandila ndalama za Social Security kwa zaka zosachepera 2, ngakhale kuti nthawi yodikirayi imachotsedwa ngati mungapeze kuti muli ndi amyotrophic lateral sclerosis (ALS) ndipo mukhala oyenerera mwezi woyamba mudzalandire ndalama zolumala
• alandila matenda am'magazi am'mapeto (ESRD) kapena impso kulephera ndipo amafunika kukhala ndi dialysis kapena impso kumuika
• khalani osakwana zaka 20 ndi ESRD ndipo mukhale ndi kholo limodzi loyenera kulandira phindu la Social Security

Kodi njira za Medicare Part D zilipo?

Pali mazana amalingaliro omwe mungasankhe kuchokera kumakampani a inshuwaransi apadera. Mapulani atha kupereka chithandizo chamankhwala chamankhwala kapena zosankha zomwe zimafotokoza ntchito zambiri monga Medicare Advantage.

Dongosolo labwino kwambiri kwa inu limatengera:

• mankhwala omwe mumamwa pakadali pano
• matenda aliwonse omwe muli nawo
• kuchuluka komwe mukufuna kulipira (ndalama zoyambira, zolipiritsa, zochotseredwa)
• ngati mukufuna mankhwala enieni ataphimbidwa
• ngati mumakhala m'malo osiyanasiyana mchaka

Kodi Medicare Part D ndi ndalama zingati?

Mtengo umadalira dongosolo lomwe mwasankha, kulipira, ndi kutuluka mthumba. Zina zomwe zimakhudza zomwe mungalipire ndi monga:

• malo ndi mapulani anu akupezeka mdera lanu
• mtundu wa zomwe mukufuna
• mipata yolumikizira yomwe imadziwikanso kuti "dzenje lazopatsa"
• ndalama zanu, zomwe zimatha kudziwa momwe mungayendere

Ndalama zimadaliranso mankhwala ndi mapulani kapena "tiers". Mtengo wa mankhwala anu umadalira mulingo womwe mankhwala anu amagwera. Kutsika kwa msinkhu, ndipo ngati ali achibadwa, m'munsi mwa copay ndi mtengo.

Nazi zitsanzo zochepa za ndalama zomwe zimaperekedwa pamwezi pamwezi pakufalitsa kwa Medicare Part D:

• New York, NY: $ 7.50- $ 94.80
• Atlanta, GA: $ 7.30 mpaka $ 94.20
• Dallas, TX: $ 7.30- $ 154.70
• Des Moines, IA: $ 7.30 mpaka $ 104.70
• Los Angeles, CA: $ 7.20- $ 130.40

Ndalama zanu zimadalira komwe mumakhala, dongosolo lomwe mungasankhe, komanso mankhwala omwe mukumwa.

Kodi dzenje la donut ndi chiyani?

Bowo la zopereka ndi mphako yomwe imayambira mukadutsa malire oyambira gawo lanu la Gawo D. Zomwe mumachotsa ndi zolipiritsa zimawerengera kumapeto awa, monganso zomwe Medicare amalipira. Mu 2021, malire oyamba ndi $ 4,130.

Boma la feduro lakhala likuyesetsa kuthetsa mpatawu ndipo, malinga ndi Medicare, mudzangolipira 25% ya mtengo wamankhwala omwe mwaphimba mukakhala mu 2021.

Palinso kuchotsera kwa 70% pamankhwala omwe ali ndi dzina mukakhala mu dzenje la donut kuti muthandizire kuchepetsa ndalama.

Ndalama zanu zakuthumba zikafika pamlingo winawake, $ 6,550 mu 2021, mumayenera kulandira chithandizo chowopsa. Pambuyo pake, mudzangolipira ndalama zokwana 5% pamankhwala anu azachipatala kwa chaka chonse.

Mafunso oti mufunse musanalembetse ku Medicare Part D

Mukasankha dongosolo, kumbukirani mfundo izi:

• Kodi mankhwala omwe ndikumwa pano akuphimbidwa?
• Kodi mtengo wamwezi uliwonse pamankhwala anga ndi wotani?
• Kodi mankhwala omwe sanaphimbe ndondomekoyi ndi angati?
• Kodi ndalama zakuthumba ndi ziti: copay, premium, ndi zochotseredwa?
• Kodi dongosololi limapereka chithandizo chowonjezera cha mankhwala aliwonse okwera mtengo?
• Kodi pali malire omwe angakhudze ine?
• Kodi ndili ndi mankhwala osankhika?
• Kodi ndingatani ngati ndimakhala m'malo opitilira umodzi mchaka?
• Kodi dongosololi limapereka kufalitsa kwamitundu yonse?
• Kodi pali njira yoitanitsira makalata?
• Kodi malingaliro ake ndi otani?
• Kodi pali kasitomala ndi pulaniyi?

Kodi Medicare Part D ikufanana bwanji ndi mapulani ena?

Pali njira zingapo zomwe mungapezere chithandizo chamankhwala.

Mtengo umadalira mankhwala anu, mndandanda wamankhwala, ndi ndalama zotuluka m'thumba. Ndibwino kuyerekezera mapulani oti musankhe njira yabwino kwambiri kwa inu, ndipo Medicare idalemba mabungwe kuti akuthandizeni kusankha kutengera dziko lanu.

Nthawi zina kusintha mapulani kumatha kukhala kwanzeru ndikupulumutsirani ndalama. Othandizira a Medicare angakutsogolereni posankha ngati pulani ina ingakhale yabwinoko kuposa Original Medicare yokhala ndi Gawo D.

Malangizo posankha dongosolo

Nazi mfundo zingapo zofunika kukumbukira mukamasankha dongosolo:

• Malamulo osintha mapulani. Mutha kusintha mapulani azakumwa nthawi zina komanso munthawi zina.
• Zosankha kwa omenyera nkhondo. Ngati ndinu msirikali wakale, TRICARE ndiye dongosolo la VA ndipo nthawi zambiri limakhala lotsika mtengo kuposa dongosolo la Medicare Part D.
• Ndondomeko yolembedwa ndi olemba anzawo ntchito. Onetsetsani kuti muwone zomwe zakonzedwa ndi omwe amakulemberani ntchito kuti mupeze ndalama zomwe mungatenge poyerekeza ndi gawo la D D.
• Mapulani a Medicare Advantage (MA). Mabungwe Ena Othandizira Zaumoyo (HMOs) kapena Mabungwe Omwe Amapereka Zowonjezera (PPOs) Medicare Advantage amakonza zolipira magawo a A, B, ndi D, ndipo amathanso kulipilira chisamaliro cha mano ndi masomphenya. Kumbukirani, mufunikabe kulembetsa magawo A ndi B.
• Zowonjezera komanso zotuluka mthumba zimatha kusiyanasiyana. Mutha kuyerekezera mapulani kuti muwone zomwe zimakupatsani chithandizo chabwino cha mankhwala ndi zosowa zaumoyo. Madongosolo a Medicare Advantage atha kukhala ndi madotolo ndi ma pharmacies. Onetsetsani kuti omwe akupereka chithandizo chazaumoyo akukonzekera.
• Mapulani a Medigap. Mapulani a Medigap (Medicare supplemental inshuwaransi) amathandizira kulipira ndalama zotulutsira mthumba. Ngati mudagula mapulani anu Januware 1, 2006, mukhozanso kulandira chithandizo cha mankhwala. Pambuyo pa tsikuli, Medigap sanapereke chithandizo chamankhwala.
• Mankhwala. Ngati muli ndi Medicaid, mukakhala woyenera ku Medicare, mudzasinthidwa kukhala gawo la D kuti mulipirire mankhwala anu.

Kodi mungalembetse liti ku Medicare Part D?

Kulembetsa mapulani kumadalira:

• kulembetsa koyamba mutakwanitsa zaka 65 (kuyambira miyezi itatu isanafike mpaka miyezi itatu mutakwanitsa zaka 65)
• ngati ndinu oyenerera musanakwanitse zaka 65 chifukwa cha kulemala
• nthawi yolembetsa (October 15 mpaka Disembala 7)
• nthawi yolembetsa (Januware 1 mpaka Marichi 31)

Mutha kukhala nawo, kusiya, kapena kusintha mapulani ngati:

• sungani kumalo osungirako okalamba kapena malo osamalira okalamba
• sungani kunja kwa malo omwe mukukonzekera mapulani anu
• kutaya chithandizo chamankhwala
• dongosolo lanu silipereka ntchito za Part D
• mukufuna kusintha mapulani apamwamba a nyenyezi zisanu

Muthanso kusintha mapulani pakulembetsa momasuka chaka chilichonse.

Ngati muli ndi chithandizo chamankhwala chomwe mwalandira kale ndipo chikufanana ndi pulani ya Medicare Part D, mutha kusunga mapulani anu.

Kodi pali chilango chokhazikika ngati mwalembetsa mochedwa?

Ngakhale Gawo D ndilosankha, ngati mungasankhe kusalembera dongosolo lamankhwala omwe mungapindule, mutha kulipira chindapusa cholembetsa kuti mudzalowe nawo mtsogolo.

Ngakhale simumamwa mankhwala aliwonse pano, ndikofunikira kulembetsa mapulani otsika mtengo ngati mukufuna kupewa izi. Mutha kusintha mapulani momwe zosowa zanu zimasinthira kulembetsa chaka chilichonse.

Ngati simulembetsa mukakhala oyenerera ndipo mulibe mankhwala ena aliwonse, chilango cha 1 peresenti chimawerengedwa ndikuwonjezeredwa pamtengo wanu kwa miyezi yomwe simunagwiritse ntchito ikakhala yoyenera. Malipiro owonjezerawa amawonjezeredwa pamalipiro anu malinga ngati muli ndi Medicare.

Pali njira zina zomwe mungapangire chithandizo chamankhwala m'malo mwa Gawo D. Koma kufotokozera kuyenera kukhala kofanana ndi gawo loyambira la D.

Mutha kukhala ndi chidziwitso kuchokera kwa abwana anu, pulani ya Veteran's Administration (VA), kapena mapulani ena achinsinsi. Medicare Advantage ndi njira ina yomwe imalipira mankhwala.

Momwe mungalembetsere mu Medicare Part D

Mutha kulembetsa mu dongosolo la Medicare Part D mukamalembetsa koyamba magawo a Medicare A ndi B.

Ngati dongosolo lanu la mankhwalawa silikukwaniritsa zosowa zanu, mutha kusintha njira yanu ya Medicare Part D panthawi yolembetsa. Nthawi zolembetsa zotseguka zimachitika kawiri pachaka.

Kutenga

Medicare Part D ndi gawo lofunikira pamapindu a Medicare. Kusankha ndondomeko yoyenera kungathandize kuchepetsa ndalama.

Mukasankha pulani, muyenera kukhalamo mpaka nthawi yotsatira yolembera yomwe iyambe pa Okutobala 15. Ndikofunikira kusankha dongosolo labwino lomwe limakwaniritsa zosowa zanu.

Medicare Yoyambirira yokhala ndi Gawo D imakupatsani mwayi wokawona akatswiri popanda kuwatumiza. Madongosolo a Medicare Advantage atha kukhala ndi malo ochezera komanso malire, koma ndalama zotuluka mthumba zitha kukhala zochepa.

Kuti musankhe njira yabwino kwambiri yothandizira mankhwala anu, onaninso mtengo wanu ndi zomwe mungasankhe mosamala. Gwiritsani ntchito mthandizi kusankha njira yabwino kwambiri ngakhale posankha zosintha.

Ngati mulibe intaneti, mutha kuyimbira 800-MEDICARE kuti muthandizidwe posankha dongosolo. Muthanso kunena pulani yomwe mukufuna ndikufunsani mafunso okhudza kufalitsa.

Nkhaniyi idasinthidwa pa Novembala 17, 2020, kuti iwonetse zambiri za 2021 Medicare.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.

Werengani nkhaniyi m'Chisipanishi