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Chii chinonzi Medicare 'donut hole'?

Chii chinonzi Medicare Kambani Bvunzai Imwe Care

Donuts yakanaka-inonaka uye inonaka kubata. Iyo donut hole, kana Medicare tsamba yekunyorera mishonga yekuvhara-iyo vanhu vazhinji vane Medicare vanozviwana vachipinda mukati - haina kunaka. Chii chaizvo chiri Medicare donut hole? Kutanga, iwe unofanirwa kunzwisisa Medicare uye kuti inoenderana sei nemishonga yekunyorera.





Iwe unogona kuve unokodzera Medicare kana iwe:



  • vane makore makumi matanhatu nemashanu,
  • vakagamuchira Social Security Disability (SSD) mabhenefiti kwemakore maviri,
  • vane End State Renal Disease (ESRD) uye vanosangana nezvimwe zvinodiwa, kana
  • vane Lou Gehrig's Disease (ALS)

Medicare chirongwa cheinishuwarenzi chehutano chakapihwa mari neSocial Security Administration kuburikidza neMitero yemitero yaunobhadhara pamari yaunowana, mariprimiyamu eMedare, uye hurumende yemubatanidzwa. Chaizvoizvo, izvo zvinoreva kuti hurumende ichagadzirisa kubhadhara kwakawanda kwehutano hwako uye mishonga yemishonga yemishonga.

Ongorora: Medicare yakasiyana neMedicaid , inova imwe chirongwa chehurumende-chakapihwa inishuwarenzi yehutano yevanowana mari shoma maAmerican, zvisinei nezera ravo.

Dambudziko vanhu vazhinji vane Medicare kumeso ndiyo Chikamu D donut gomba. Iyo donut hole inogadzira kana yako yakazara yegore rose yemutengo wemishonga (izvo iwe nechirongwa chako zvawakabhadhara) zvinosvika kune imwe muganho. Iri gonho gomba rinogona kureva mahegi emitengo akareba pakambani yemishonga yevanhu vakafukidzwa Medicare Chikamu D inoronga .



Zvinorevei kuve mune iyo Medicare donut hole?

Hurumende yemubatanidzwa inoisa zvikamu zvekufukidza marapirwo aichaitwa mishonga yako gore rese.

Muchidimbu, iwe unopinda mugomba redonut apo mutengo wakazara wemishonga yako yemishonga unosvika pamutengo wakatemerwa wakasanganiswa. Panguva ino, yako Chikamu D chirongwa chinomira kubhadhara zvako zvirevo.

Yakazara mutengo inotanga iyo donut gomba inotanga kugadziriswa gore rega. Iwe unofanirwa kubhadhara chikamu chemari yemishonga iwe uri muburi reMedicare donut.



Iyo donut gomba haizokanganisa vese vanobatsirwa veMedare. Avo vari panjodzi yekuwira mugomba remadonhochi inhengo dzeMedare nemishonga yemishonga, dzimwe nguva inonzi PDP kana MAPD.

Medicare donut hole muenzaniso

Ngatitii iwe uchangosaina Medicare Chikamu D kufukidza. Kutanga, iwe unobhadhara zana muzana yezvinodhaka zvese kusvikira wasangana neyako inobviswa, iyo inogona kunge yakakwira kunge $ 435. Kana iwe uchinge wapasa uyu wekutanga muganho wekuvhara, iwe unozopinda iyo yekutanga yekuvhara nguva. Iwe unobva wave nebasa rekubhadhara mari yekuchengetedzwa kwemari kana kukopa pamutengo wakazara wemitemo yako. Chikamu chako Chikamu D chinorayirwa chirongwa chemushonga chichafukidza zvimwe zvese.

Kana yako yekunze-kwehomwe inodhura uye mutengo wakakonzerwa nechirongwa chako ukasvika pamubatanidzwa wemadhora mazana mana nemakumi maviri, iwe unopinda mune inotyisa Medicare Chikamu D donut hole. Iwe unozove unoita 25% yemitengo yemishonga yekunyorera kusvikira iwe warova yako yegore-kunze-kwehomwe mari yekushandisa muganho we $ 6,350. Paunenge iwe warova iwo muganho, iwe unenge uri mune inoparadza kufukidza. Iwe uchabhadhara chero 5% yemutengo wemishonga yako kana $ 3.60 yemagetsi uye $ 8.95 yemazita ezita madhiragi, chero iri nhamba iri huru.



Saka kuti uzviise zvakapfava, iro reruboshwe rerubatsiro ndiyo inotapira chikamu kwaunobhadhara yako inobvisirwa, uye coinsurance kana kubhadhara. Iyo donut hole ndipo paunowanzo bhadhara yakakwira muzana yezviyero zvako zvemushonga. Rutivi rworudyi rwechipo ndipo paunogona kunakidzwa nemitengo yakaderera yemishonga zvakare.

Medicare Donut Hole yakatsanangurwa



Zviri nyore kuona kuti gomba remadhoni rinogona sei kukasira kukanda vazhinji vanyoreri veMedhiare munyongano yemari. Hapana munhu ane Medicare anofanirwa kuita sarudzo pakati pechikafu, rendi, uye mishonga yemishonga.

RELATED : 10 zvikonzero nei varwere vasingagare vachitevera mirairo yachiremba



Chii chinonzi Medicare donut hole che2020?

Kunyangwe iyo Medicare donut hole iri mamiriro ekumanikidza-anokonzeresa kune vazhinji vekuAmerican vanoda zvinodhura mishonga yemishonga, pane dzimwe nhau dzakanaka dze2020. Kwemakore, chikamu Chikamu D chekuvhara akavhara kuvonga kune Inotengeka Care Act (ACA). Kuenzaniswa ne2019, gomba redonut rakadzikira kumberi.

Izvi zvinorevei kwauri? Ngatitarisei zvakanyanya:



  • Iyo donut hole inotangira pamadhora mazana mana nemakumi maviri mumitengo yezvinodhaka, ichiwedzera imwe madhora mazana maviri pamadhora mazana matatu nemazana matatu nemakumi matatu ekutanga ekuvhara.
  • Paunenge uri mugomba redonut, iwe unobhadhara 25% kune ese maviri zita-zita uye generic zvinodhaka. Uku ndiko kusimudzira kubva ku2019 apo gomba remadonho raireva kuti iwe waizobhadhara 25% yemazita ezita madhiragi uye 37% yemishonga inowanzoitwa.

Muchidimbu, 2020 inobvumidza yakawanda Medicare-yakabhadharwa kufukidza usati wawira mugomba redonut, uye inoderedza iyo mari yaunobhadhara kumishonga iwe uchinge uri mugomba redonut.

Tsvaga mushonga.ru kana iwe uchida ruzivo rwakananga pamusoro pemishonga iyo yakafukidzwa nechirongwa chako cheMedare.

Maitiro ekudzivirira iyo Medicare donut hole

Kune nzira dzinoverengeka dzenhengo dzeMedare Chikamu D kuti dzidzivise kuwira mugomba redonut. Imwe sarudzo ndeyekushandisa iyo Medicare Chikamu D Rakawedzerwa Rubatsiro chirongwa, chakagadzirirwa kubatsira avo vanowana yakatarwa mari uye yefaeti maitiro. Kana uchikwanisa, haungabhadhare mari yepamwedzi kana madhiri, kusvika kune imwe bhenji. Iwe unenge uine chekuita nechikamu chidiki chete chemushonga wega wega. Enda ku www.SSA.gov kuti udzidze zvakawanda nezve zvimwe zvingabatsire pakutsvaga Rubatsiro Rakawedzerwa.

Nepo Rakawedzerwa Rubatsiro, rubatsiro rwemari yepasi, rwunobatsira vazhinji-kwete wese munhu anokodzera. Pane zvimwe zvingasarudzwa, kusanganisira Hurumende Mishonga Yekubatsira Zvirongwa , Zvirwere Zvekubatsira Zvirongwa kuburikidza nemakambani akasiyanasiyana emishonga, uye emahara emishonga makadhi ekuderedzwa, akadai seSingleCare. Aya mapurogiramu akakosha kune vazhinji vanogamuchira Medicare. Kana mari iri kunetsekana nekuwana mishonga, zvirongwa zvekubatsira varwere uye kudzikisa mutengo wemishonga zvinogona kubatsira kuona vanhu vane Medicare tevera kumishonga yavo uye kuchengetedza hutano hwavo pavanomirira kuve vanokodzera kufukidzwa nenjodzi.

RELATED : Ndinogona here kushandisa SingleCare kana ndiri paMedicare?

SingleCare inopa nhengo kusvika pamakumi masere muzana kubva pamishonga yekunyorera. Iwe haugone kushandisa SingleCare pamwe chete nechero chirongwa cheMedare. Zvisinei, iwe unogona kushandisa SingleCare pane Medicare mumamiriro ezvinhu apo SingleCare inopa mutengo uri nani pane zvaunonyorwa. Zviri nyore kutsvaga mushonga wako usati waenda kukhemisi kuti uone kuti mari ingachengetwe. Zvino, iwe paunobhadhara zvinodhaka panguva yegon donho, urikuchengetedza pamari dzekunze-kwehomwe.

Zvinyorwa zvinotengwa neSingleCare hazvingatarise kune yako yekuganhurirwa muganho, izvo zvinokuchengetedza kubva kure kana mugomba remadonho kwenguva refu. Kana icho chiri chimwe chinhu chauri kunetsekana nacho, SingleCare inokupa iwe sarudzo yekuchengetedza mari pane ako akadzika-akapihwa mareferenzi ayo asingazokusvitse iwe chero padhuze neako wekuvhara muganho, saka iwe uchave nezvakawanda zvekushandisa pane ako epamusoro-akatemerwa mirau kuburikidza nechirongwa chako cheMedare. Kupfuura zvese, SingleCare yakasununguka kushandisa-uye ichagara iri.