Kunzwisisa Medicare Chikamu D zvirongwa

Kambani

Zvinyorwa zvinogona kudhura, uye izvo zvinonetsa kana iwe uchinetseka kuzviisa. Chirongwa cheinishuwarenzi chehutano chinofukidza imwe yemitengo yemishonga yako inogona kubatsira kuita kuti kugara mutano zvive nyore zvishoma. Medicare Chikamu D chinogona kubatsira.

Medicare Chikamu D inoshanda sei?

Medicare Chikamu D inosarudzika chikamu cheMedicare iyo inovhara yakawanda mishonga yemishonga. Chikamu D chinopihwa kuburikidza nemakambani einishuwarenzi akazvimirira ayo vanhu vazhinji paMedare vanosarudza kubatsira kudzikisa mutengo wemishonga.

Medicare ine zvikamu zvina: A, B, C, uye D. Medicare Chikamu A chinovhara kurapwa kwevanorapwa vari muchipatara, hunyanzvi hwekuchengetwa kwenzvimbo, kuchengetwa kwehutano hwepamba mushure mekubuda muchipatara chekugara, uye kutarisira varwere.

Vanhu vazhinji vanokodzera Medicare vanogamuchira Chikamu A otomatiki.

Medicare Chikamu B inovhara kunze kwevarapi vanoshanyira hofisi kwachiremba, maX-ray, bvunzo bvunzo, mabasa epamba epamba, mabasa ekudzivirira, midziyo yekurapa yakasimba, hutano hwepfungwa, mabasa eamburenzi, uye kurapwa kwemuviri, pakati pemamwe mabasa. Vanhu vazhinji vane Medicare vanosarudza kugamuchira yavo Chikamu A uye Chikamu B mabhenefiti pasi petsika fizi-ye-sevhisi Medicare, kana Original Medicare.

Medicare Chikamu C chikamu cheMedicare pasi pechirongwa cheinishuwarenzi chehutano hwepachivande - pachinzvimbo chePakutanga Medicare - chinopa mabhenefiti ePart A uye B uye zvakare chinopa mushonga wekubatsira. Chikamu Chikamu C zvirongwa zvinowanzodaidzwa kuti Medicare Advantage Plans.

Kuti uwane mishonga yekunyorera mishonga, vanobatsirwa veMedare vanogona kunyoresa vamire-voga Medicare Chikamu D Chirongwa Chemushonga Chirongwa (PDP) kana muchirongwa cheMedicare Chakanakira Chirongwa Chemushonga (MAPD). Vanobatsirwa vanogona kubhadhara mari yemwedzi kune avo vanotakura inishuwarenzi, uyezve mishonga inovharwa nekambani yeinishuwarenzi inogona kutengwa. Iyo inobviswa uye copay kana coinsurance inogona kubhadharwa neiye anowana, uye iyo inishuwarenzi kambani inovhara iyo yasara mutengo.

Pane zvikamu zvina zve Medicare Chikamu D kufukidza gore rese umo mitengo yemishonga inogona kuchinja:

1. Inobviswa: Huwandu hwekunze-kwehomwe hunodhura mutengi weMedare anofanirwa kubhadhara pamberi pekuvhara kweMedare kunotanga kushanda.
2. Kutanga kufukidza: Medicare inoronga uye mutengi anogovera mutengo wemishonga yemishonga. Iyi copay kana coinsurance inosetwa nehurongwa zvichienderana nechero remushonga wega wega, uye zvimwe zvinhu.
3. Kuvhara gap: Mushure mekunge mutengi uye chirongwa chabhadhara imwe yakasanganiswa huwandu pamishonga yakafukidzwa, mutengi anoenda kunzvimbo yekuvhara, iyo inonziwo iyo Medicare donut hole. Mu2019, iwe unobhadhara ingava 25% kana 37% yezita-zita uye zvinodhaka zvakajairika. Zvisinei, muna 2020, ichava 25% mubhodhi rose, anodaro Danielle K. Roberts, nyanzvi yeMedare uye mubatsiri we Boomer Kubatsirwa .
4. Kupararira kwenjodzi: Chikamu chekupedzisira cheMedare Chikamu D kufukidzwa uko mutengi anobhadhara anenge mashanu muzana emishonga yavo inodhura kusvika pakupera kwegore. Muna 2019, kufukidza kwakaipa kunosvikwa mushure mekunge mutengi ari ega abhadhara madhora zviuru mazana mashanu pamadhora ekunze.

Ndeapi madhiragi akafukidzwa neMedare Chikamu D?

Mishonga yemishonga inovharwa neMedare Chikamu D zvirongwa zvichasiyana zvichienderana nezvinovharwa nemunhu wese weinishuwarenzi.

A Medicare Chikamu D chirongwa chinowanzo kufukidza angangoita maviri madhiragi kubva kune ese madhiragi chikamu. Zvirongwa zvinodikanwawo kufukidza angangoita ese madhiragi kubva kumakirasi anotevera:

• Antipsychotic: Iyi mishonga inorayirwa kubatsira kubata psychosis. Mienzaniso yezvinowanzoiswa antipsychotic inosanganisira Haldol (haloperidol) uye Risperdal (risperidone).
• Zvinodzvinyirira: Iyi mishonga inobatsira kurapa kushungurudzika uye kushungurudzika kusagadzikana kwevanhu vazhinji. Effexor XR (venlafaxine) uye Prozac (fluoxetine) ndiwo maviri anowanzo gadzirirwa antidepressants.
• Anticonvulsants: Iri boka remishonga inoumbwa nema pharmacological vamiririri inobatsira avo vanoona pfari. Mienzaniso yeanticonvulsants inogona kuvharwa nechirongwa cheMedicare Chikamu D chinosanganisira Keppra (levetiracetam) uye Lamictal (lamotrigine).
• Immunosuppressants: Iyi mishonga inoderedza kusimba kwehutachiona hwemuviri, iyo dzimwe nguva inodikanwa pakuisirwa nhengo kana kurapa zvirwere zvemuviri. Prednisone mishonga, saDeltasone uye Orasone, ndiyo mienzaniso yezvinowanzo nyorerwa immunosuppressants.
• Cancer zvinodhaka: Medicare Chikamu D zvirongwa zvinofukidza mimwe mishonga yekenza. Izvo zvakakosha kuti utaure nemupi wako wezvehutano mupi uye inishuwarenzi mutakuri kuti uve nechokwadi chekuti mushonga waunoda wakavharwa usati wanyoresa mune inonyorwa yemishonga kubatsirwa. Mienzaniso yemishonga inowanzo gomerwa gomarara inosanganisira Avastin (bevacizumab) uye Revlimid (lenalidomide).
• HIV / AIDS zvinodhaka: Chirongwa cheMedicare Chikamu D chinofukidza mimwe mishonga yekunwa yeHIV / AIDS. Mimwe mienzaniso yemhando iyi yemishonga inosanganisira Truvada (emtricitabine-tenofovir), Norvir (ritonavir), uye Isentress (raltegravir).

Zvese zvakajairika uye zita rezita zvinodhaka zvakafukidzwa neMedicare Chikamu D, asi mishonga yemazita ezita inogona kudhura zvakanyanya kune vanobatsirwa. Zvinodhaka zvinoiswa muzvikamu nemishonga yeMedare Chikamu D, uye zvinodhaka mumatanho akasiyana ichave nemari dzakasiyana. Brand-zita zvinodhaka zvinogona kuiswa mumatanho epamusoro ayo ane yakakwira copay kana mari yemubhadharo.

Chinhu chimwe chete chekuziva nezve Medicare Chikamu D ndechekuti haifukidze mishonga yekumusoro-soro, mishonga yemavhitamini, uye mimwe mishonga. Kutaura nemubatsiri wezvehutano kana chiremba, uye kuongorora sarudzo dzako pagore ndiyo nzira yakanakisa yekuona kana yako Medicare Chikamu D chirongwa chiri chirongwa chakakodzera kwauri zvichibva pane zvaunoda zvekurapa. Iwe une mukana wekuchinja zvirongwa kune imwe inonyatsokodzera zvaunoda panguva yeAkavhurika Kunyoresa. Vanhu vane Medicare Advantage zvirongwa vanogona kunge vachikwanisa kushandura zvirongwa panguva yeMedicare Advantage Open Kunyoresa Nguva.

Ndeupi mutengo weMedicare Chikamu D?

Chikamu chega chega Chikamu D chinotanga kumisikidza chayo chinobvisirwa, maprimiyamu, mazinga, uye mafomula. Kubhadharwa kwemwedzi kune avo vane Medicare Chikamu D kuchasiyana zvichienderana nechirongwa. Ivhareji yenyika pamwedzi ye2019 iri $ 33.19, kunyange paine mukana wekuti izvi zvichinje muna 2020.

Kana iyo inishuwarenzi kambani inoda kubviswa, iyo ichazobhadharwa kutanga, ichiteverwa necopay kana coinsurance yemushonga wega wega wekurapa. Kune miganho kune yakawanda sei iyo inobviswa ichave iri; muganho wa2019 haugone kudarika $ 415.

Mushure mekubvisirwa mari inobvisirwa, zvirongwa zveMedare Chikamu D zvinoda kuti vanobatsirwa vabhadhare copay kana mari yemubhadharo yemitemo. Kana coinsurance ichidikanwa, ipapo iye anowana achabhadhara muzana yemushonga uri kutengwa.

Rimwe rematambudziko ari kubata vanhu vane Medicare chinhu chinonzi gwanza rekuvhara, kana donut hole . Iyo yekuvhara mukaha inosvika kana yakazara mishonga inodhura inobhadharwa nemutengi uye chirongwa chinosvika kune imwe muganho. Kana kamwe muganho wasvika, munhu anogona kubhadhara zvakakwira kunze-kwe-muhomwe mitengo yemishonga yavo.

RELATED: Ndinogona here kushandisa SingleCare pandinenge ndiri paMedicare?

Vanhu vane mari dzakakwira vanogona kubhadhara yakakwira mitengo kune yavo Chikamu D kufukidza. Zvimwechete, vanhu vari paMedicaid kana vanokodzera Kuwedzera Rubatsiro vanogona kubhadhara zvakadzikira mitengo yakaderera pasi peChikamu D.

Muvambi we MedicareQuick , Kathe Kline, anokurudzira kuwana nzwisiso izere yekuti Medicare Chikamu D chinoshanda sei kuti ufunge zvinogona kuita mutengo.

Zano rega rega rine mari yaro yepayimari, zvakabviswa, macopay zviyero, mari yemubhadharo, uye mafomula, anodaro Kline. Iyo formulary inokuudza iwe kuti ndeapi madhiragi ayo chirongwa anovhara, uye kuti chii chako mutengo chichava. Vanhu vazhinji vanotarisa zvisirizvo chete iwo wekutanga uye unobvisirwa. Iko kukanganisa. Ini ndinokurudzira kuti vanhu vari paMedicare vatarise kumusoro kwavo kudhura gore rega rega vachishandisa chishandiso chinonzi MyMedicare.gov. Nenzira iyoyo unenge uchitarisa kumusoro zvese zvinodhura, kusanganisira mishonga yako, inogona kuve yakawanda yemubhadharo.

Ini ndinowana sei Medicare Chikamu D?

Zviri nyore kutarisa uye kuenzanisa sarudzo sarudzo pane Medicare.gov kana iwe uchifarira kusainira chirongwa cheMedicare chinodhaka chemushonga seMedicare Chikamu D. Kufona 1-800-Medicare uye kutaura kune chipangamazano zvakare sarudzo yakanaka kana uchida rubatsiro.

Ive neshuwa yekufunga premium, kukopa, kubhadharisa mari, uye zvakabviswa, uye tarisa pamishonga yakafukidzwa uye zvingangove zvirambidzo zvemishonga kuti uve nechokwadi chekuti unosarudza rakanakisa chirongwa cheMedare Chikamu D chako.

Pakutanga kunyoresa nguva yeavo vatsva kuMedare uye vari kutendeuka makore makumi matanhatu nemashanu anosanganisira mwedzi mitatu zvisati zvaitika, mwedzi wa, uye nemwedzi mitatu inotevera zuva ravo rekuzvarwa. Zvegore Kuwa Yakavhurika Kunyoresa nguva inomhanya kubva Gumiguru 15 kusvika Zvita 7. Kana ukasanyoresa mukati menguva dzino, unogona kubhadhara chirango chekunonoka kunonoka. Ipfungwa yakanaka kutarisa Medicare.gov kuti uve nechokwadi chekuti unoziva nguva dzakatarwa uye kuti uone kana uchikodzera Kuwana Kunyoresa Nguva.