Medicare Part D Yachotsedwa mu 2021: Mtengo pang'onopang'ono

Zamkati

• Kodi mtengo wa Medicare Part D ndi wotani?
• Zodulidwa
• Zolipira
• Makopala ndi chitsimikizo cha ndalama
• Kodi kusiyana kotani pakati pa Medicare Part D ndi chiyani?
• Mankhwala osokoneza bongo
• Mankhwala achibadwa
• Kuwunikira koopsa
• Kodi ndiyenera kupeza Medicare Part D kapena dongosolo la Medicare Advantage?
• Ubwino ndi zovuta za Medicare
• Chilango chakumapeto kwa olembetsa
• Kodi ndingalembetse bwanji mu Medicare Part D?
• Kodi ndingapeze bwanji thandizo ndi ndalama zomwe ndimalandira?
• Malangizo ena osungira ndalama
• Kutenga

Medicare Part D, yomwe imadziwikanso kuti kufotokozera zamankhwala, ndi gawo la Medicare lomwe limakuthandizani kulipira mankhwala akuchipatala. Mukalembetsa mu gawo la D, muli ndi udindo wolipira ndalama zanu zochotsera, ndalama zoyambira, zolipiritsa, komanso ndalama zandalama. Chigawo chachikulu cha Medicare Part D chodulidwa cha 2021 ndi $ 445.

Tiyeni tiwone bwino za Medicare Part D komanso zomwe mungalembetse mu dongosolo la Medicare Part D zomwe zingakulipireni mu 2021.

Kodi mtengo wa Medicare Part D ndi wotani?

Mukalembetsa ku Medicare Part A ndi Part B, Medicare yoyambirira, mutha kulembetsa ku Medicare Part D. Mapulani azamankhwala omwe mumalandira amathandizidwa kuti mupeze mankhwala aliwonse omwe sanapatsidwe dongosolo lanu loyambirira la Medicare.

Zodulidwa

Medicare Part D deductible ndi ndalama zomwe mudzalipira chaka chilichonse dongosolo lanu la Medicare lisanalipire gawo lawo. Mapulani ena azamankhwala amalipira $ 0 pachaka kuchotsera, koma ndalamazi zimatha kusiyanasiyana kutengera omwe amakupatsani, komwe mumakhala, ndi zina zambiri. Ndalama zochotseredwa kwambiri zomwe pulani iliyonse ya Gawo D ikhoza kulipira mu 2021 ndi $ 445.

Zolipira

Medicare Part D premium ndi ndalama zomwe mumalipira mwezi uliwonse kuti mulembetse dongosolo lanu la mankhwala. Monga $ 0 deductibles, mapulani ena azamankhwala amalipiritsa $ 0 pamwezi pamwezi.

Ndalama zoyendetsedwa pamwezi pamalingaliro amtundu uliwonse zimasiyana malinga ndi zinthu zosiyanasiyana, kuphatikiza ndalama zomwe mumapeza. Ngati ndalama zomwe muli nazo zili pamwambapa, mungafunike kulipira ndalama zosinthira pamwezi (IRMAA). Ndalama zosinthidwazi za 2021 zimakhazikitsidwa ndi kubweza kwanu msonkho kwa 2019.

Nawa magawo a 2021 Part D IRMAAs kutengera kuchuluka kwa ndalama monga munthu amalemba pobweza msonkho:

• $ 88,000 kapena kuchepera: palibe zina zowonjezera
• > $ 88,000 mpaka $ 111,000: + $ 12.30 pamwezi
• > $ 111,000 mpaka $ 138,000: + $ 31.80 pamwezi
• > $ 138,000 mpaka $ 165,000: + $ 51.20 pamwezi
• > $ 165,000 mpaka $ 499,999: + $ 70.70 pamwezi
• $ 500,000 ndi pamwambapa: + $ 77.10 pamwezi

Malowa ndiosiyana kwa anthu omwe amalemba limodzi komanso omwe ali pabanja ndipo amapita payokha. Komabe, kuwonjezeka kwa mwezi kumangokhala kuyambira $ 12.40 mpaka $ 77.10 zowonjezera pamwezi, kutengera ndalama zomwe mumapeza komanso mafayilo.

Makopala ndi chitsimikizo cha ndalama

Ndalama za Medicare Part D ndi ndalama zandalama ndi ndalama zomwe mumalipira gawo lanu litadulidwa. Kutengera ndi pulani yomwe mwasankha, mungakhale ndi ngongole zolipiritsa kapena zolipiritsa.

Ndalama zolipirira ndi ndalama zomwe mumalipira mankhwala aliwonse, pomwe chitsimikizo ndi kuchuluka kwa mankhwala omwe mumayenera kulipira.

Ndalama zolipirira gawo la D ndi ndalama zosungitsa ndalama zimatha kusiyanasiyana kutengera "gawo" lomwe mankhwala aliwonse ali. Mtengo wa mankhwala aliwonse omwe ali mu pulani ya mankhwala akukwera pamene tiers ikukula.

Mwachitsanzo, dongosolo lanu la mankhwala lingakhale ndi magawo awa:

Kodi kusiyana kotani pakati pa Medicare Part D ndi chiyani?

Madera ambiri a Medicare Part D ali ndi gawo lotchingira, lotchedwanso "dzenje la zopereka." Kusiyana kumeneku kumachitika mukafika pamalire a zomwe gawo lanu la D lidzalipira mankhwala anu. Malirewa ndi ocheperako kuposa kuchuluka kwanu koopsa, komabe, zomwe zikutanthauza kuti mudzakhala ndi mwayi pakufalitsa kwanu.

Umu ndi m'mene kusiyana kwa Medicare Part D kumagwirira ntchito mu 2021:

• Chaka chilichonse chodulidwa. $ 445 ndiye kuchotsera kwakukulu komwe mapulani a Medicare Part D amatha kulipira mu 2021.
• Kuphunzira koyamba. Malire oyamba a Medicare Part D akukonzekera mu 2021 ndi $ 4,130.
• Kuwunikira koopsa. Kuwonongeka koopsa kumayambira mukangowononga $ 6,550 mthumba mu 2021.

Kotero, chimachitika ndi chiyani mukakhala mu gawo la kufalitsa gawo lanu la Part D? Izi zimadalira izi:

Mankhwala osokoneza bongo

Mukadzafika pakulemba kaye, simudzakhala ndi ngongole zosapitilira 25 peresenti ya mtengo wamankhwala omwe amadziwika ndi dzina lanu. Mumalipira 25%, wopanga amalipira 70%, ndipo dongosolo lanu limalipira 5% yotsalayo.

Chitsanzo: Ngati mankhwala omwe mumamwa ndi mankhwalawo mumawononga $ 500, mudzalipira $ 125 (kuphatikiza ndalama). Wopanga mankhwala ndi gawo D wanu D azilipira $ 375 yotsalayo.

Mankhwala achibadwa

Mukadzafika poti mutha kufalitsa, mudzalandira 25% ya mtengo wamankhwala omwe amabwera chifukwa cha pulani yanu. Mumalipira 25% ndipo dongosolo lanu limalipira 75% yotsalayo.

Mwachitsanzo: Ngati mankhwala omwe muli ndi mankhwalawa amawononga $ 100, mudzalipira $ 25 (kuphatikiza ndalama zomwe mumapereka). Gawo Lanu D lidzalipira $ 75 yotsalayo.

Kuwunikira koopsa

Kuti mutuluke pamalopo, muyenera kulipira ndalama zokwana madola 6,550 pamitengo yakunja. Izi zitha kuphatikizira izi:

• mankhwala anu amachotsedwa
• zolipiritsa zanu / chitsimikizo cha ndalama
• mankhwala anu amawononga ndalama
• ndalama zomwe wopanga mankhwala amalipira panthawi yamatumba

Mukamaliza kulipira ndalama zotulutsira mthumba izi, zomwe mumakumana nazo zowopsa zimayambiranso. Pambuyo pake, mudzangokhala ndi ngongole zochepa kapena ndalama zochepa. Mu 2021, ndalama zandalama ndi 5% ndipo ndalama zomwe mumalipira ndi $ 3.70 zamankhwala osokoneza bongo komanso $ 9.20 zama mankhwala odziwika.

Kodi ndiyenera kupeza Medicare Part D kapena dongosolo la Medicare Advantage?

Mukalembetsa ku Medicare, muli ndi mwayi wosankha Medicare Part D kapena Medicare Advantage (Gawo C) kuti mukwaniritse zosowa zanu zomwe mumalandira.

Ubwino ndi zovuta za Medicare

Mapulani ambiri a Medicare Advantage amaphatikizira kupezeka kwa mankhwala kuphatikiza mankhwala ena monga mano, masomphenya, kumva, ndi zina zambiri. Kuwonjezeraku kungabweretse kuwonjezeka kwa ndalama zonse, ndipo mutha kumalipira zochulukirapo dongosolo la Medicare Advantage kuposa kungowonjezera Gawo D ku pulani yanu yoyambirira.

Kuphatikiza apo, mapulani ena a Medicare Advantage HMO angachepetse kufotokozera kwanu madotolo ndi ma pharmacy. Izi zikutanthauza kuti dokotala wanu wapano kapena mankhwala sangakhalepo ndi dongosolo la Medicare Advantage lomwe mukufuna kulembetsa.

Chilango chakumapeto kwa olembetsa

Ziribe kanthu kaya mungasankhe Medicare Part D kapena dongosolo la Medicare Advantage, Medicare imafuna kuti mukhale ndi mtundu wina wamankhwala operekera mankhwala. Ngati simupeza mankhwala osokoneza bongo kwa masiku 63 motsatizana kapena kupitilira pomwe mwalembetsa ku Medicare, mudzakulipirani chindapusa cha Medicare Part D mochedwa. Malipiro awa amawonjezeredwa ku mapulani a mankhwala omwe mumalandira mwezi uliwonse omwe simunalembetse.

Chilango chakulembetsa mochedwa ku Medicare Part D chimawerengedwa pochulukitsa "phindu laomwe amapindula ndi dziko lonse" ndi 1% kenako ndikuchulukitsa ndalamazo ndi kuchuluka kwa miyezi yonse yomwe simunafotokoze. Ndalama zoyambira zapadziko lonse lapansi ndi $ 33.06 mu 2021, kotero tiyeni tiwone momwe chilango ichi chingawonekere kwa munthu amene walembetsa kumapeto kwa 2021:

• Nthawi yoyamba kulembetsa Mr. Mr. Doe imatha pa Januware 31, 2021.
• Bambo Doe salembetsa kuti azitha kumwa mankhwala mpaka Meyi 1, 2021 (Patatha miyezi 3).
• Bambo.Doe adzakhala ndi ngongole ya $ 0.33 ($ 33.06 x 1%) pamwezi yomwe adapita osabisala (miyezi itatu).
• A Doe amalipira $ 1.00 mwezi uliwonse chindapusa ($ .33 x 3 = $ .99, yozunguliridwa $ 0.10 yapafupi) kupita mtsogolo.

Chilango chakumapeto kwa olembetsa chimatha kusintha pomwe malipiro amalandila amasintha chaka chilichonse.

Kodi ndingalembetse bwanji mu Medicare Part D?

Mukuyenera kuti mulembetse nawo dongosolo la Medicare Part D munthawi yoyamba kulembetsa ku Medicare. Nthawi imeneyi imatha miyezi itatu isanachitike, mwezi wa, ndi miyezi itatu mutakwanitsa zaka 65. Palinso nthawi zowerengera za Medicare Part D, monga:

• Ogasiti 15 mpaka Disembala 7. Mutha kulembetsa ngati mwalembetsa kale mu gawo A ndi B koma simunalembetse nawo mu Gawo D, kapena ngati mukufuna kusinthana ndi gawo lina la D D.
• Epulo 1 mpaka Juni 30. Mutha kulembetsa ngati mwalembetsa ku Medicare Part B panthawi yolembetsa Part B (Januware 1 mpaka Marichi 31).

Dongosolo lililonse la Medicare Part D lili ndi mndandanda wamankhwala omwe amalemba, omwe amatchedwa formulary. Mapuloteni okonzera mankhwala amakupatsani dzina la mankhwala ndi mankhwala ochokera ku mitundu yodziwika bwino ya mankhwala. Musanalembetse nawo gawo la Gawo D, onetsetsani kuti mankhwala anu akuphimbidwa ndi mapulani ake.

Mukalembetsa mu Gawo D, pamakhala zolipirira mapulani kuphatikiza pazomwe mudalipira ku Medicare. Malipiro awa amaphatikizapo kuchotsera mankhwala osokoneza bongo pachaka, mapulani amwezi pamwezi, mankhwala osokoneza bongo, komanso chitsimikizo cha ndalama.

Kodi ndingapeze bwanji thandizo ndi ndalama zomwe ndimalandira?

Othandizira a Medicare omwe ali ndi vuto kukumana ndi ndalama zamankhwala omwe angakupatseni angapindule ndi pulogalamu ya Extra Help. Thandizo lowonjezera ndi pulogalamu ya Medicare Part D yomwe imathandizira kulipira ndalama, kuchotsera ndalama, komanso ndalama zolipirira ndalama zogwirizana ndi dongosolo lanu la mankhwala.

Kuti muyenerere Thandizo la Medicare Extra, zomwe muli nazo siziyenera kupitirira kuchuluka kwathunthu. Zomwe muli nazo zimaphatikizira ndalama pamanja kapena ku banki, ndalama zomwe mwasunga, komanso ndalama zanu. Ngati mukuyenerera thandizo lowonjezera, mutha kulembetsa mu pulogalamu yanu yamankhwala ndi zikalata zothandizira, monga zidziwitso za Medicare.

Ngakhale simukuyenerera Thandizo lowonjezera, mutha kuyenerabe kupeza Medicaid. Medicaid imapereka chithandizo chamankhwala kwa anthu omwe amapeza ndalama zochepa omwe ali ndi zaka zosakwana 65. Komabe, ena omwe amalandila Medicare ndioyeneranso kulandira chithandizo cha Medicaid, kutengera kuchuluka kwa ndalama. Kuti muwone ngati mukuyenera kulandira Medicaid, pitani kuofesi yantchito yakomweko.

Malangizo ena osungira ndalama

Kupatula pakulandila ndalama, pali zinthu zina zomwe mungachite kuti muchepetse ndalama zomwe mumalandira:

• Gulani ma pharmacies osiyanasiyana. Ma Pharmac amatha kugulitsa mankhwala osiyanasiyana, kotero mutha kuyimba foni kuti mufunse kuchuluka kwa mankhwala omwe angakulipireni.
• Gwiritsani ntchito makuponi opanga. Mawebusayiti opanga, mawebusayiti osungira mankhwala osokoneza bongo, komanso malo azogulitsira mankhwala angakupatseni makuponi othandizira kuti muchepetse mtengo wamankhwala omwe muli nawo mthumba.
• Funsani dokotala wanu za mitundu ya generic. Mankhwala achibadwa nthawi zambiri amakhala otsika poyerekeza ndi mtundu wamaina, ngakhale mawonekedwe ake ali ofanana kwambiri.

Kutenga

Kupereka gawo la Medicare Part D ndilololedwa ngati wopindula ndi Medicare, chifukwa chake ndikofunikira kusankha dongosolo lomwe lingakuthandizeni. Mukamagula mankhwala kuti mupatsidwe mankhwala, lingalirani za mankhwala anu omwe akuphimbidwa komanso mtengo wake.

Popita nthawi, mtengo wamankhwala amankhwala amatha kuwonjezera, ndiye ngati mukuvutika kulipira ndalama zanu, pali mapulogalamu omwe angakuthandizeni.

Poyerekeza Medicare Part D kapena Medicare Advantage (Gawo C) mapulani azamankhwala omwe ali pafupi nanu, pitani ku Medicare kuti mupeze chida chothandizira kuti mudziwe zambiri.

Nkhaniyi idasinthidwa pa Novembala 19, 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.