Medicare Chikamu D Inobviswa muna 2021: Mariro paKutarisa

Zvemukati

• Ndezvipi zvinodiwa zveMedare Chikamu D?
• Zvinobviswa
• Zviripo
• Copays uye coinsurance
• Ndeipi iyo Medicare Chikamu D yekuvhara gwanza ("donut hole")?
• Brand-zita zvinodhaka
• Generic zvinodhaka
• Kupararira kwenjodzi
• Ini ndinofanira kuwana Medicare Chikamu D kana chirongwa cheMedare Kubatsira?
• Medicare Advantage zvayakanakira nezvayakaipira
• Kunonoka kunyoresa chirango
• Ndinonyora sei muMedare Chikamu D?
• Ndingaite sei kuti ndiwane rubatsiro nemari yangu yekunyorera zvinodhaka?
• Mamwe matipi-ekuchengetedza-matipi
• Kutora

Medicare Chikamu D, chinozivikanwawo sekunyorerwa mishonga, ndicho chikamu cheMedare chinokubatsira iwe kubhadhara mishonga yemishonga. Kana iwe ukanyoresa muchikamu cheDhipatimendi D, iwe uri mutoro wekubhadhara yako inobvisirwa, premium, kukopa, uye mari yemari yemari. Iyo yepamusoro Medicare Chikamu D inobviswa muna 2021 i $ 445.

Ngatinyatso tarisei kuti chii chinonzi Medicare Chikamu D uye nezve kunyoresa muchirongwa cheMedicare Chikamu D chingakutorere muna 2021.

Ndezvipi zvinodiwa zveMedare Chikamu D?

Paunenge iwe wakanyoreswa muMedare Chikamu A uye Chikamu B, yekutanga Medicare, unogona kunyoresa muMedare Chikamu D. Medicare mishonga yemishonga inorongwa yemishonga inobatsira kuvhara chero mishonga yemishonga isina kuvharwa pasi pechirongwa chako chekutanga cheMedare.

Zvinobviswa

Iyo Medicare Chikamu D inobviswa ndiyo iyo mari yaunobhadhara gore rega usati chirongwa chako cheMedare chabhadhara chikamu chayo. Zvimwe zvirongwa zvemishonga zvinobhadharisa madhora 0 pagore, asi huwandu uhu hunogona kusiyana zvichienderana nemupi, nzvimbo yako, nezvimwe. Mari yepamusorosoro inobvisirwa chero hurongwa hweChikamu D inogona kubhadharisa muna 2021 i $ 445.

Zviripo

Iyo Medicare Chikamu D yekutanga ndiyo mari yauchabhadhara pamwedzi kuti unyoreswe muchirongwa chako chemushonga. Kufanana ne $ 0 inobviswa, zvimwe zvirongwa zvemishonga zvinobhadharisa $ 0 pamwedzi wepimendi.

Kubhadharwa kwemwedzi pamwedzi chero chirongwa kunogona kusiyana zvichienderana nezvinhu zvakasiyana, kusanganisira waunowana. Kana mari yako iri pamusoro peimwe chikumbaridzo, unogona kubhadhara mari inoenderana nemubhadharo pamwedzi (IRMAA). Iyi yakagadziriswa huwandu hwe2021 yakavakirwa pane yako 2019 mutero wekudzoka.

Heano ma2021 Chikamu D IRMAAs zvichibva padanho remari semunhu ari kusefa pane yako mutero kudzoka:

• $ 88,000 kana pasi: hapana mari yekuwedzera
• > $ 88,000 kusvika $ 111,000: + $ 12.30 pamwedzi
• > $ 111,000 kusvika $ 138,000: + $ 31.80 pamwedzi
• > $ 138,000 kusvika $ 165,000: + $ 51.20 pamwedzi
• > $ 165,000 kusvika ku $ 499,999: + $ 70.70 pamwedzi
• $ 500,000 uye pamusoro: + $ 77.10 pamwedzi

Izvo zvikumbaridzo zvakasiyana kune vanhu vanyore pamwe chete uye avo vakaroora uye faira zvakasiyana. Nekudaro, iyo yekuwedzera yemwedzi inongogara ichatangira kubva pamadhora gumi nemaviri kusvika pamadhora makumi manomwe nemanomwe pamwedzi, zvichienderana nemari yaunowana uye chinzvimbo chefaira.

Copays uye coinsurance

Iyo Medicare Chikamu D yekubhadharisa uye mari yeinishuwarenzi ndiyo mari yaunobhadhara mushure mekunge Chikamu chako D chakabvisirwa chasangana. Zvichienderana nechirongwa chaunosarudza, iwe unenge uine chikwereti chemakopi kana mari yemubhadharo.

Mari yekubhadhara ndiyo yakatarwa mari yaunobhadhara pamushonga wega wega, nepo kukosheswa kuri muzana yemutengo wemishonga wauri kubhadhara.

Chikamu cheDhipatimendi kukopa uye mari yemubhadharo inogona kusiyana zvichienderana ne "tier" iyo mishonga yega yega irimo. Mutengo wemushonga wega wega mukati mehurongwa hwezvinodhaka unokwira sekuwedzera kwematatu.

Semuenzaniso, chirongwa chako chemushonga chinodomwa chinogona kunge chiine inotevera tier system:

Ndeipi iyo Medicare Chikamu D yekuvhara gwanza ("donut hole")?

Mazhinji Medicare Chikamu D zvirongwa zvine mukaha wekuvhara, unonziwo "donut hole." Iyi mukaha wekuvhara unoitika kana iwe wasvika pamuganhu weiyo yako Chikamu D chirongwa chinobhadhara kumishonga yako yekunwa. Uyu muganho wakaderera pane yako ine njodzi yekuvhara huwandu, zvisinei, izvo zvinoreva kuti iwe unenge uine gap mune yako yekuvhara.

Heano maitiro ekuvhara gwanza reMedicare Chikamu D rinoshanda muna 2021:

• Gore negore rinobviswa. $ 445 ndiyo yakanyanya kubviswa iyo Medicare Chikamu D inoronga inogona kubhadharisa muna 2021.
• Kutanga kufukidza. Iyo yekutanga yekuvhara muganho weMedare Chikamu D inoronga muna 2021 iri $ 4,130.
• Kupararira kwenjodzi. Iyo ine njodzi yekuvhara huwandu inorova kamwe iwe waunenge washandisa $ 6,550 kubva muhomwe muna 2021.

Saka, chii chinoitika kana iwe uri mune yekuvhara mukaha wechikamu chako chePart D? Izvo zvinoenderana nezvinotevera:

Brand-zita zvinodhaka

Paunenge uchinge warova gwanza rekuvhara, iwe unozokwereta kwete anopfuura makumi maviri muzana muzana emutengo wezita-zita rekunyorera mishonga yakafukidzwa nehurongwa hwako. Iwe unobhadhara makumi maviri neshanu muzana, iye anogadzira anobhadhara 70 muzana, uye chirongwa chako chinobhadhara chasara chikamu che5 muzana.

Muenzaniso: Kana zita rako remushonga-zita chinodhaka richiita madhora mazana mashanu, uchabhadhara madhora zana nemakumi mashanu (pamwe nemari yekupa). Mugadziri wezvinodhaka nehurongwa hwako hweChikamu D achabhadhara $ 375 yasara.

Generic zvinodhaka

Paunenge uchinge warova gwanza rekuvhara, iwe unozokwereta makumi maviri neshanu muzana emutengo wemishonga yakajairika yakafukidzwa nezano rako Iwe unobhadhara makumi maviri neshanu muzana uye zano rako rinobhadhara iyo yasara ye75 muzana.

Muenzaniso: Kana mushonga wako wekurapa wakaita madhora zana, unobhadhara madhora makumi maviri nemashanu (pamwe nemubhadharo wekupa). Yako Chikamu D chirongwa chinobhadhara yasara $ 75.

Kupararira kwenjodzi

Kuti ugadzire kubva pagakava rekuvhara, iwe unofanirwa kubhadhara mari inosvika madhora mazana matanhatu nemazana mashanu nemakumi mashanu emari dziri kunze-kwehomwe. Mari idzi dzinogona kusanganisira:

• mushonga wako unobviswa
• ako ekubhadhara zvinodhaka / coinsurance
• mushonga wako unodhura muhari
• iyo huwandu hunogadzirwa nemugadziri wezvinodhaka panguva yegomba remadhoni

Paunenge iwe wabhadhara iyi yekunze-kwehomwe huwandu, yako ine njodzi kufukidza inokanda mukati. Mushure meizvozvo, iwe unenge uchingova nebasa remari shoma yekubhadhara mari kana mari yemari. Muna 2021, mari yemari yemari yemari yemadhora ndeye 5 muzana uye huwandu hwemari yekubhadharisa iri $ 3.70 yemishonga inowanzoitwa uye $ 9.20 yemazita ezita rezita.

Ini ndinofanira kuwana Medicare Chikamu D kana chirongwa cheMedare Kubatsira?

Kana iwe ukanyoresa muMedare, iwe une sarudzo yekusarudza Medicare Chikamu D kana Medicare Advantage (Chikamu C) kuzadzisa chako chinodhonzwa chinodhaka chekuvhara zvinodhaka zvaunoda.

Medicare Advantage zvayakanakira nezvayakaipira

Mazhinji zvirongwa zveMedare zvinobatsira zvinosanganisira kunyorera mishonga yekudyara mukuwedzera kune dzimwe nzira dzekuvhara dzakadai semazino, kuona, kunzwa, nezvimwe. Iyi yekuwedzera kufukidza inogona kutungamira mukuwedzera kwemari yese, uye iwe ungazopedzisira wabhadharira yakawanda chirongwa cheMedicare Advantage pane kungowedzera Chikamu D kuchirongwa chako chekutanga.

Uye zvakare, mamwe marongero e Medicare Advantage HMO anogona kudzikisira kufukidza kwako kune-mu-network madhokotera nema pharmacies. Izvi zvinoreva kuti chiremba wako wazvino kana chemishonga anogona kunge asina kuvharwa nechirongwa cheMedicare Advantage chaunoda kunyoresa.

Kunonoka kunyoresa chirango

Hazvina mhosva kuti iwe unosarudza Medicare Chikamu D kana chirongwa cheMedicare Advantage, Medicare inoda kuti iwe uve neimwe nzira yemishonga yekuvhara mishonga. Kana iwe ukaenda usina kunyoreswa nemishonga yekuvhara mishonga kwenguva yemazuva makumi matatu nematanhatu akateedzana kana kupfuura mushure mekunge iwe watanga kunyoresa muMedare, iwe uchabhadharwa zvachose Medicare Chikamu D kunonoka kunyoresa chirango. Iyi yechirango inobhadharwa inowedzerwa kune yako yekunyora mushonga chirongwa chirongwa mwedzi wega iwe usina kunyoreswa.

Iyo Medicare Chikamu D yekunonoka kunyoresa chirango inoverengwa nekuwanza iyo "yenyika base vanowana mubhadharo" ne1 muzana uyezve nekuwedzera iyo huwandu nenhamba yemwedzi izere yawakaenda usina kufukidzwa. Mari yepasi rose yekubatsirwa ndeye $ 33.06 muna2021, saka ngatitarisei kuti chirango ichi chingatarise sei kune mumwe munhu anonyoresa mukupera kwa2021:

• Nguva yekutanga yaVa Doe yekunyora inopera muna Ndira 31, 2021.
• Mr. Doe haanyorese muchikwereti chemishonga yekunyorera mishonga kusvika Chivabvu 1, 2021 (mwedzi mitatu gare gare).
• Mr.Doe achave nechikwereti chemadhora 0.33 ($ 33.06 x 1%) pamwedzi yaakaenda asina kufukidzwa (mwedzi mitatu).
• Mr. Doe vachabhadhara madhora 1.00 pamwedzi ekuranga ($ .33 x 3 = $ .99, kutenderedzwa kusvika padyo ne $ 0.10) kuenda kumberi.

Chirango chekunonoka kunonoka chinozochinja sezvo nyika yepasi yemubatsiri inoshanduka gore rega rega.

Ndinonyora sei muMedare Chikamu D?

Iwe unokodzera kunyoresa chirongwa cheMedare Chikamu D panguva yako yekutanga Medicare kunyoresa nguva. Iyi nguva inomhanya mwedzi mitatu zvisati zvaitika, mwedzi wa, uye mwedzi mitatu mushure mekuzvarwa kwako makumi matanhatu nemashanu. Kune zvakare mamwe ekuwedzera eMedicare Chikamu D ekunyora nguva, senge:

• Gumiguru 15 kusvika Zvita 7. Unogona kusaina kana iwe watove wakanyoresa muzvikamu A uye B asi usati wanyoresa muChikamu D, kana kana iwe uchida kuchinjira kune rimwe Chikamu D chirongwa.
• Kubvumbi 1 kusvika Chikumi 30. Iwe unogona kusaina kusaina kana iwe wakanyoresa muMedare Chikamu B panguva yenguva yakazara Chikamu Chikamu chekunyoresa (Ndira 1 kusvika Kurume 31).

Imwe neimwe Medicare Chikamu D chirongwa chine rondedzero yemishonga yekunyorera yainofukidza, inonzi formulary. Prescription drug plan formularies inovhara zvese zita-zita uye generic zvinodhaka kubva kune anowanzo gadzwa madhiragi emishonga. Usati wanyoresa muchikamu cheChikamu D, tarisa kuti mishonga yako yakafukidzwa pasi pechirongwa chehurongwa.

Paunonyoresa muChikamu D, pane hurongwa hwemari mukuwedzera kune yako yekutanga Medicare mutengo. Iyi miripo inosanganisira yegore rese inodonhedzwa zvinodhaka, pamwedzi chirongwa chemushonga, madhiragi ekubhadhara zvinodhaka, uye kusimbiswa kwemari.

Ndingaite sei kuti ndiwane rubatsiro nemari yangu yekunyorera zvinodhaka?

VeMedare vanobatsirwa vane dambudziko rekusangana nemushonga wemishonga yemitero vanogona kubatsirwa kubva kuRumwe Rubatsiro chirongwa. Rakawedzerwa Rubatsiro chirongwa cheMedicare Chikamu D chinobatsira mukubhadhara maprimiyamu, zvinokamurwa, uye mari yeinosimbisa mari inosanganisirwa nehurongwa hwekunwa mushonga.

Kuti ukwanise kuwana Medicare Yakawedzerwa Rubatsiro, zviwanikwa zvako hazvifanirwe kudarika huwandu hwakatemerwa. Zviwanikwa zvako zvinosanganisira mari paruoko kana mubhangi, kuchengetedza, uye mari. Kana iwe uchikodzera rubatsiro rwekuwedzera, unogona kunyorera kuburikidza nechirongwa chako chemushonga nemishonga inotsigira, senge chiziviso cheMedare chepamutemo.

Kunyangwe iwe usingakwanise Rubatsiro Rwakawedzerwa, unogona kunge uchikwanisa kuwana Medicaid. Medicaid inopa hutano hwekuchengeta hutano kune vanhu vane mari yakaderera vari pasi pemakore makumi matanhatu nemashanu. Zvisinei, vamwe vanobatsirwa neMedare vanobvumirwa kufukidzwa neMedicaid, zvinoenderana nezinga remari. Kuti uone kana iwe uchikodzera kuMedicaid, shanyira hofisi yako yemunharaunda yenzvimbo.

Mamwe matipi-ekuchengetedza-matipi

Kunze kwekugamuchira rubatsiro rwemari, pane zvimwe zvinhu zvaunogona kuita kuti ubatsire kudzikisa mushonga wako wepiritsi.

• Tenga zvitoro zvakasiyana. Pharmacies anogona kutengesa zvinodhaka nemari dzakasiyana, saka unogona kufona uchitenderedza kuti ubvunze kuti chakadii chinodhaka chingakutorera iwe.
• Shandisa zvigadzirwa zvemugadziri. Mugadziri mawebhusaiti, mawebhusaiti ekuchengetedza zvinodhaka, uye mafamasi anogona kupa makuponi ekubatsira kudzikisa mari yako iri muhomwe.
• Kumbira chiremba wako nezve generic vhezheni. Generic mishonga kazhinji inodhura zvakaderera pane iyo zita-brand shanduro, kunyangwe kana iyo fomula iri ingango fanika zvakafanana.

Kutora

Medicare Chikamu D kufukidza inosungirwa seMedicare mubatsiri, saka zvakakosha kusarudza chirongwa chinoshanda kwauri. Paunenge uchitenga uchitenderedza kuti unyore mishonga yekuvhara mishonga, funga kuti ndeipi yemishonga yako yakafukidzwa uye kuti ichadhura zvakadii.

Nekufamba kwenguva, mishonga yemishonga yekurapa inodhura inogona kuwedzera, saka kana iwe uchinetseka kubhadhara mari yako, pane zvirongwa zvinogona kubatsira.

Kuti uenzanise Medicare Chikamu D kana Medicare Advantage (Chikamu C) zvirongwa zvemushonga zvemushonga padhuze newe, shanyira Medicare kuti uwane chirongwa chekushandisa kuti udzidze zvimwe.

Ichi chinyorwa chakagadziridzwa munaNovember 19, 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.