Yako Yakazara Nongedzo kune Medicare Chikamu D

Zvemukati

• Chii chinonzi Medicare Chikamu D?
• Zvokukurumidza nezve Medicare Chikamu D
• Ndeapi mishonga akafukidzwa muMedare Chikamu D?
• Chikamui D chinofanira kufukidza
• Sei iwe uchida Medicare Chikamu D
• Ndiani anokodzera Medicare Chikamu D?
• Ndeapi maMedare Chikamu Chikamu D zvirongwa zviripo?
• Yakawanda sei iyo Medicare Chikamu D inodhura?
• Chii chinonzi gomba redonut?
• Mibvunzo yekubvunza usati wanyoresa muMedare Chikamu D
• Medicare Chikamu D inofananidzwa sei nezvimwe zvirongwa?
• Matipi ekusarudza zano
• Ndirini paunogona kunyoresa muMedare Chikamu D?
• Kune chirango chenguva dzose here kana iwe ukanyoresa kunonoka?
• Maitiro ekunyoresa muMedare Chikamu D
• Kutora

• Medicare Chikamu D ndeye Medicare's inonyorwa mishonga yekuvhara mishonga.
• Iwe unogona kutenga chirongwa cheMedare Chikamu D kana iwe uchikodzera Medicare.
• Chikamu che D zvirongwa zvine rondedzero yemishonga yavanofukidza inonzi formulary, kuti iwe ugone kutaura kana chirongwa chichifukidza zvirevo zvako.
• Zvimwe zveMedare Chikamu Chikamu D zvirongwa zvinosanganisirwa muzvirongwa zveMedare zvinobatsira.

Kusarudza iyo chaiyo Medicare chirongwa chakakosha. Nesarudzo dzakasiyana dzekuvhara, macopay, maprimiyamu, uye zvakaderedzwa, zvinogona kunetsa kuti uone sarudzo yako yakanakisa.

Medicare chirongwa chinobhadharwa nehurumende cheinishuwarenzi chehutano chevanhu makumi matanhatu nemashanu zvichikwira muUnited States. Iyo ine zvikamu zvinoverengeka zvinovhara marudzi akasiyana ehutano uye ekurapa mutengo.

Chii chinonzi Medicare Chikamu D?

Medicare Chikamu D inozivikanwawo seMedicare's prescription drug drug coverage. Inobatsira kubhadhara mishonga isina kuvharwa muzvikamu A kana B.

Kunyangwe hazvo hurumende yemubatanidzwa ichibhadhara makumi manomwe neshanu muzana emitengo yemishonga yeChikamu D, vanhu vakafukidzwa vachiri kufanira kubhadhara maprimiyamu, macopay, uye vanobvisirwa mari.

Kuvhara uye mitengo zvinogona kusiyana zvichienderana nechirongwa chaunosarudza. Izvo zvakakosha kuti utarise dzese sarudzo usati wasarudza Medicare Chikamu D chirongwa.

Zvokukurumidza nezve Medicare Chikamu D

• Icho chirongwa chemushonga wemishonga yemubhadharo kune avo vanokodzera Medicare.
• Iwe unofanirwa kunyoreswa mune imwe Medicare Chikamu A kana Chikamu B kuti uve unokodzera.
• Medicare Chikamu D kufukidza inosarudzika.
• Iwe unofanirwa kunyoresa muChikamu D pakati paGumiguru 15 naZvita 7. Kufungidzira hakusi kungoerekana kwaitika uye kunonoka kunyoresa zvirango zvinogona kushanda.
• State kunyoresa rubatsiro rwuripo.
• Mishonga yakafukidzwa inoenderana nechero chirongwa mafomura (rondedzero yemishonga yakavharwa).

Ndeapi mishonga akafukidzwa muMedare Chikamu D?

Zvirongwa zvese zvinofanirwa kufukidza "zvakajairika" mishonga yakasarudzwa neMedicare. Kuvhara kwakavakirwa pane izvo vanhu vazhinji vari paMedare vari kutora. Chirongwa chega chega chine chinyorwa chayo chemishonga chirongwa chinofukidza.

Mazhinji mapurani anovhara ruzhinji rwejekiseni pasina copay.

Zvakakosha paunosarudza chirongwa cheMedare Chikamu D kuti uve nechokwadi chekuti mishonga yaunotora yakavharwa. Izvi zvinonyanya kukosha kana iwe ukatora chero hunyanzvi kana inodhura brand-zita mishonga.

Zvirongwa zvese zvinowanzove nemaviri uye kazhinji akawanda akawanda mishonga kubva kumakirasi ekurapa akanyanya kunyorwa uye zvikamu.

Kana chiremba wako akaraira mushonga kwete pane iwo rondedzero, ivo vanofanirwa kutsanangura chikonzero nei chisarudzo chichidikanwa. Medicare inoda tsamba yepamutemo kukambani yeinishuwarenzi inotsanangura kuti nei mushonga uchidikanwa. Iko hakuna vimbiso yekusiiwa kuchabvumidzwa. Nyaya imwe neimwe inosarudzwa zvakasiyana.

Kutanga Ndira 1, 2021, kana ukatora insulin, insulini yako inogona kuita madhora makumi matatu nemashanu kana pasi pekupihwa kwemazuva makumi matatu. Shandisa Medicare's tsvaga chirongwa chehurongwa kuenzanisa Medicare Chikamu D zvirongwa uye insulin mutengo mudunhu rako. Unogona kunyoresa muchikamu cheDhipatimendi D panguva yekunyoresa pachena (Gumiguru 15 kusvika Zvita 7).

Chirongwa chekurapa chinogona kuchinja mishonga kana mitengo pane yavo runyorwa chero nguva nekuda kwezvikonzero zvakati, sekuti:

• generic rechiratidzo rinowanikwa
• mutengo wechiratidzo unogona kuchinja kana generic ikawanikwa
• mushonga mutsva wave kuwanikwa kana kuti paine dhata nyowani nezve kurapwa uku kana mushonga

Chikamui D chinofanira kufukidza

Chikamu cheD zvirongwa chinofanira kuvhara mishonga yese muzvikamu izvi:

• kenza kurapwa mishonga
• mishonga inodzvinyirira
• anticonvulsive mishonga yekutambudzika kwepfari
• immunosuppressant mishonga
• Mishonga yeHIV / AIDS
• antipsychotic mishonga

Pamusoro pemishonga yekurapa, mavhitaminzi, zvinowedzerwa, cosmetic, uye uremu mishonga hazvisi rakafukidzwa Chikamu D.

Mishonga yemishonga kwete yakavharwa neMedare Chikamu D inosanganisira:

• mishonga yekubereka
• mishonga inoshandiswa kurapa anorexia kana kumwe kuonda kana kuwana kana aya mamiriro asiri chikamu chekumwe kuongororwa
• mishonga yakatemerwa chete zve cosmetic zvinangwa kana kukura kwebvudzi
• mishonga yakatemerwa kuzorodza kwechando kana kukosora zviratidzo kana izvi zviratidzo zvisiri chikamu chekumwe kuongororwa
• mishonga inoshandiswa kurapa kusagadzikana kwe erectile

Sei iwe uchida Medicare Chikamu D

Mishonga inodhura uye mitengo inoramba ichikwira. Zvinoenderana neCentre yeMedicare neMedicaid (CMS), kushandisa mari yemishonga yekunyorera kwakakwira pavhareji 10.6 muzana gore rega pakati pegore ra2013 na2017.

Kana iwe uri kusvitsa makore makumi matanhatu nemashanu uye uchikodzera Medicare, Chikamu D imwe sarudzo yekubatsira kubhadhara mutengo wemishonga yekunyorera.

Ndiani anokodzera Medicare Chikamu D?

Kana iwe uchikodzera Medicare, iwe unokodzera Chikamu D. Kuti uve unokodzera Medicare, unofanirwa:

• uve nemakore makumi matanhatu nemashanu ekuberekwa
• vakagamuchira Social Security hurema hwekubhadhara kweanenge makore maviri, kunyangwe ino nguva yekumirira yakabviswa kana iwe ukatambira kuongororwa kweamyotrophic lateral sclerosis (ALS) uye uchave unokodzera mwedzi wekutanga iwe unogamuchira muripo wehurema
• vakagashira chirwere chekupera-chikamu renal chirwere (ESRD) kana itsvo kukundikana uye vanoda kuve ne dialysis kana yeitsvo kuisirwa
• uve pasi pemakore makumi maviri neESRD uye uve nemubereki mumwechete anokodzera maSocial Security mabhenefiti

Ndeapi maMedare Chikamu Chikamu D zvirongwa zviripo?

Kune mazana ezvirongwa zvekusarudza kubva kunopihwa nemakambani einishuwarenzi akazvimirira. Zvirongwa zvinokwanisa kungopa mishonga yekunyorera mishonga kana sarudzo dzinofukidza mamwe masevhisi seMedicare Advantage.

Zano rakanakisa rako rinoenderana ne:

• mishonga yaunotora izvozvi
• chero mamiriro ehutano husingaperi aunayo
• marii yaunoda kubhadhara (maprimiyamu, macopay, madhiri)
• kana uchida chaiyo mishonga yakavharwa
• kana uchigara kumatunhu akasiyana mukati megore

Yakawanda sei iyo Medicare Chikamu D inodhura?

Mariro inoenderana nechirongwa chaunosarudza, kufukidza, uye kunze-kwehomwe mari. Zvimwe zvinhu zvinokanganisa zvaunogona kubhadhara zvinosanganisira:

• nzvimbo yako uye zvirongwa zviripo munharaunda yako
• mhando yekuvhara iwe yaunoda
• yekuvhara mipata inonziwo "donut hole"
• mari yako, iyo inogona kuona yako yekutanga

Mariro zvakare inoenderana nemishonga uye marongero ezinga kana "tiers." Mutengo wemishonga yako unobva pane iyo nhanho mishonga yako inowira pasi. Iyo yakadzika iyo chikamu, uye kana iri generic, iyo yakaderera iyo copay uye mutengo.

Heano mimwe mienzaniso mishoma yekufungidzirwa pamwedzi pamari yepamberi yeMedicare Chikamu D kufukidzwa:

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

Mari yako chaiyo inoenderana nekwaunogara, chirongwa chaunosarudza, uye mishonga yemishonga yauri kutora.

Chii chinonzi gomba redonut?

Iyo donut hole iguru rekuvhara iro rinotanga mushure mekupasa yekutanga muganho wekuvharira weChikamu D chirongwa. Mari dzako dzinobvisirwa uye macopayments anotarisa kune ino muganho wekuvhara, sezvinoita iyo Medicare inobhadhara. Muna 2021, muganho wekutanga wekuvhara ndeye $ 4,130.

Hurumende yemubatanidzwa yanga ichishanda kubvisa mukaha uyu uye, sekutaura kweMedare, iwe unongobhadhara makumi maviri neshanu muzana emitengo yemishonga yakavharwa kana iwe uri mubako rekuvhara muna 2021.

Kune zvakare 70 muzana dhisikaundi pamazita-emishonga mishonga iwe uri mugomba remadoniti kubatsira kubvisa mari.

Kana yako mari yekubuda muhomwe yasvika pane imwe mari, $ 6 550 muna 2021, unokodzera kufukidzwa zvine njodzi. Mushure meizvi, iwe unongobhadhara chete mashanu muzana kopay yemishonga yako yemushonga kwegore rese.

Mibvunzo yekubvunza usati wanyoresa muMedare Chikamu D

Paunenge uchifunga nezve chirongwa, chengeta aya mapoinzi mupfungwa:

• Ko mishonga yandiri kutora parizvino yakavharwa here?
• Ndeupi mutengo wemwedzi wemishonga yangu pachirongwa?
• Yakawanda zvakadii mishonga iyo isina kuvharwa pachirongwa inodhura?
• Ndezvipi zviri kunze-kwehomwe mari: copay, premium, uye zvinokamurwa?
• Icho chirongwa chinopa kuwedzera kufukidza kune chero epamusoro-anodhura madhiragi?
• Pane here chero miganho yekuvhara iyo inogona kundibata?
• Ndine sarudzo yemishonga here?
• Ko kana ndichigara munzvimbo dzinopfuura imwechete mukati megore?
• Icho chirongwa chinopa multistate kufukidza?
• Iko kune tsamba-yekuraira sarudzo?
• Chii chinonzi chirongwa chehurongwa?
• Iko kune vatengi vatengi nehurongwa?

Medicare Chikamu D inofananidzwa sei nezvimwe zvirongwa?

Pane zvimwe zvingasarudzika zvekutora mishonga yemishonga yekuvhara.

Mutengo unoenderana nemishonga yako, chirongwa chechirongwa chemishonga, uye kunze-kwehomwe mari. Ipfungwa yakanaka kuenzanisa zvirongwa zvekusarudza sarudzo yakanakira iwe, uye Medicare inoronga masangano kuti akubatsire kusarudza zvichibva padunhu rako.

Dzimwe nguva kuchinja zvirongwa kungave kune musoro uye kukuchengetedza mari. VeMedare vabatsiri vanogona kukutungamira mukufunga kana rimwe zano ringave riri nani pane Original Medicare ine Chikamu D.

Matipi ekusarudza zano

Heano mashoma mapoinzi ekurangarira kana uchisarudza chirongwa:

• Mitemo yekuchinja zvirongwa. Iwe unogona chete chinja zvirongwa zvemushonga pane dzimwe nguva uye pasi pemamwe mamiriro.
• Sarudzo kune veterans. Kana iwe uri veteran, TRICARE chirongwa cheVA uye kazhinji chinodhura-chinodarika chirongwa cheMedare Chikamu D.
• Mushandirwi-based prescription zvirongwa. Tarisa uone zvakafukidzwa nehurongwa hwehutano hwewaunoshandira kuti uone mari inobuda muhomwe kana ichienzaniswa nechirongwa cheChikamu D.
• Medicare Kubatsira zvirongwa (MA). Mamwe Masangano Ekuchengetedza Hutano (HMOs) kana Masangano Anopa Vanosarudzwa (PPOs) Medicare Advantage inoronga kubhadhara mari yezvikamu zveA, B, uye D, uye vanogona zvakare kubhadhara mazino uye kuona. Rangarira, iwe uchatofanira kunyoresa muzvikamu A uye B.
• Maprimiyamu uye kunze-kwehomwe mari zvinogona kusiyana. Iwe unogona kuenzanisa zvirongwa zvekuona izvo zvinokupa iwe yakanakisa kufukidzwa kune ako chaiwo marapirwo uye zvehutano zvinodiwa. Medicare Advantage zvirongwa zvingave zvine network madhokotera uye mafarmasi. Tarisa uone kuti vatapi vako vezvehutano vari pachirongwa.
• Zvirongwa zveMedigap. Medigap (Medicare yekuwedzera inishuwarenzi) zvirongwa zvinobatsira kubhadhara kunze-kwe-muhomwe mari. Kana iwe wakatenga chirongwa chako pamberi paNdira 1, 2006, iwe unogona kunge uine mushonga wemishonga yekuvhara, zvakare. Mushure mezuva iri, Medigap haana kupa mishonga kufukidza.
• Medicaid. Kana iwe uine Medicaid, paunenge uchikodzera Medicare, iwe unozochinjirwa kuchikamu cheDanho D kuti ubhadhare mishonga yako.

Ndirini paunogona kunyoresa muMedare Chikamu D?

Ronga kunyoresa kunoenderana ne:

• kekutanga kunyoreswa paunosvitsa makore makumi matanhatu nemashanu (kubva pamwedzi mitatu zvisati zvasvika pamwedzi mitatu mushure mekusvitsa makore makumi matanhatu nemashanu)
• kana iwe uchikodzera usati wasvika makore makumi matanhatu nemashanu nekuda kwekuremara
• yakavhurika kunyoresa nguva (Gumiguru 15 kusvika Zvita 7)
• nguva yekunyora yakawanda (Ndira 1 kusvika Kurume 31)

Iwe unogona kukwanisa kujoina, kusiya, kana kushandura zvirongwa kana iwe:

• famba uchienda kumusha unochengeterwa vakwegura kana hunyanzvi hwevanamukoti
• fambisa kunze kwenzvimbo yako yekuvhara nzvimbo
• kurasikirwa nemishonga yekuvhara
• hurongwa hwako hahupi kupa Chikamu D masevhisi
• iwe unoda kuchinjira kune yepamusoro 5 nyeredzi yakatemwa chirongwa

Iwe unogona zvakare kushandura marongero panguva yekuvhurika kunyoresa gore rega.

Kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinyorerwa mishonga yekunyorera.

Kune chirango chenguva dzose here kana iwe ukanyoresa kunonoka?

Kunyangwe Chikamu D chiri chesarudzo, kana ukasarudza kusainyorera chirongwa chekubatsirwa, unogona kubhadhara zvachose kunonoka kunyoresa chirango kuti ubatanidze gare gare.

Kunyangwe ukasatora chero mishonga izvozvi, zvakakosha kuti unyore pasi kune yakaderera-premium chirongwa kana iwe uchida kudzivirira iyi chirango. Iwe unogona kugara uchichinja marongero sezvo zvaunoda zvichichinja panguva yekunyoresa kuvhurika gore rega.

Kana iwe ukasanyoresa iwe paunotanga kukodzera uye usina imwe yemishonga yekuvhara, chirango che1 muzana chinoverengerwa uye kuwedzerwa kune yako premium kune iyo mwedzi yemwedzi iwe yausina kushandisa kana uchikodzera. Iyi yekuwedzera mubhadharo inowedzerwa kune ako mapuramu chero bedzi iwe uine Medicare.

Kune dzimwe sarudzo dzekuvhara mishonga pachinzvimbo cheChikamu D. Asi kufukidzwa kunofanirwa kuve kwakaringana kuita sekutanga chikamu Chikamu D.

Iwe unogona kuve nekufukidzwa kubva kune waunoshandira, chirongwa cheVeteran's Administration (VA), kana zvimwe zvirongwa zvakavanzika. Medicare Kubatsira ndeimwe sarudzo inobhadhara mishonga.

Maitiro ekunyoresa muMedare Chikamu D

Iwe unogona kunyoresa muchirongwa cheMedicare Chikamu D panguva yekutanga kunyoreswa kweMedare zvikamu A uye B.

Kana chirongwa chako chemushonga chemishonga chisina kusangana nezvido zvako, unogona kushandura yako Medicare Chikamu D sarudzo panguva yekuvhura nguva. Iyi yekuvhura yakavhurika nguva dzinoitika kaviri mukati megore.

Kutora

Medicare Chikamu D chikamu chakakosha cheMedicare mabhenefiti. Kusarudza chirongwa chakakodzera kunogona kubatsira kuchengetedza mitengo mukutarisa.

Paunenge iwe wasarudza zano, unofanirwa kugara mariri kusvika rinotevera rakavhurika kunyoresa nguva iyo inotanga muna Gumiguru 15. Zvakakosha kusarudza chirongwa chakanaka chinoshanda pane zvaunoda.

Yekutanga Medicare ine Chikamu D inokutendera iwe kushanyira nyanzvi pasina kuendeswa. Medicare Advantage mapurani anogona kunge aine maratidziro uye nharaunda yekufukidza, asi kunze-kwehomwe mari inogona kunge yakaderera.

Kuti usarudze chirongwa chakanakisa chemishonga yako, ongorora zvaunodhura uye sarudzo zvinehungwaru. Shanda nemubatsiri kusarudza sarudzo yakanakisa kunyangwe mukufunga kushandura zvirongwa.

Kana iwe usina internet yekuwana, unogona kufonera 800-MEDICARE kuti ubatsirwe pakusarudza chirongwa. Iwe unogona zvakare kutaura chirongwa chaunoda uye kubvunza mibvunzo nezve kufukidza.

Ichi chinyorwa chakagadziridzwa munaNovember 17, 2020, kuratidza 2021 Medicare ruzivo.

Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.

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