Mishonga Mishonga Pamwechete Zvisarudzo Zvinofanirwa Kuitwa Gore Negore
Izvo zviyero zvinogona kuoneka zvakakwirira, asi mashoko chaiwo kune vashandi vehurumende vanobhadhara mari uye vashandi vehutano ndeyekuti sevana vacheche vanosvika muhurongwa hwehutano hwehurumende hwakabhadharwa, Medicare vanobatsirwa vachakura mukuwanda nekudikanwa.
Pakazosvika 2030, kuverengwa kweMedricare kwaigona kusvika kana kudarika mamiriyoni 79 .
Nokuda kwezvimwe zvikonzero zvose, izvi zvinotarisirwa kuvarapi vemasvomeresi nokuti mumwe nomumwe weMedare anobatsirwa anova murwere neMurengeti weD Medicine . Sezvo vanhu vachipinda Medicare, vane mukana wekusarudza chironga chemishonga chemishonga, kana PDP, kuwedzera pane zvakafanana Chikamu A uye Chikamu B. Icho chimwe sarudzo kana pamutauro we Medicare Advantage, uyo unonziwo Medicare Part C, unobatanidza kurapwa kwehutano mune imwe sangano.
Kuita sarudzo yezvipatara zvakasiyana-siyana zvinogona kukanganisa kana kutowedzera vamwe varwere. Nenzira yakanaka, vanachiremba vanogona kubatsira vakwegura nevarwere vakaremara kuwana zvakanakisisa zveChitatu D.
Ziva Maparamendi Ako Mazano
Maparammaca anoshanda munharaunda, kutarisira kwenguva yakareba uye zvirongwa zvechipatara zvakanyanya kunyatsogadzirirwa kubatsira varwere kuti varatidze kuburikidza neMedareti yavo D Dzakasarudzwa.
Kugadzirira kupa iyi yunivhesiti yekupa mazano, maparamist anodikanwa kuita zvinhu zviviri.
Chokutanga, vanachimishonga vanofanira kunzwisisa kuti umwe neumwe weMedare anobatsirwa angada zvimwe ruzivo uye mazano kune Chikamu D PDP gore negore. ICenter for Medicare & Medicaid Services inopa vanobatsiri sarudzo yekuchinja zvirongwa zvemishonga kamwe mwedzi gumi nembiri.
Vhura kushambadzira kunotangira kubva munaOctober kusvika kuDecember, uye varwere vanogona kushandura pasinei nechikonzero kana kuti vakareba kwenguva yakareba sei nevamwe PDP.
Chechipiri, vanachiremba vanofanira kutarisa kuti chikamu cheD D chinoronga ma pharmacy kana chiito chinogamuchirwa. Kunyatsosarudza kugamuchira kubudiswa kwePPP kunongova kungofanirwa kune vanozvimiririra uye vadzidzisi vemishonga, asi chero mupi wemasitauri achitaura nevarwere pamusoro peMedareti D inofanira kunge akakwanisa kupindura zvakakosha, uye zvechokwadi kuti anobvunzwa, mubvunzo, "Ndingashandisa chirongwa ichi pano ? "
Zivisa, Usatora
Nechemitemo, vanachiremba havagoni kukurudzira chirongwa chinodhaka chemishonga kumushonga weMedare. Ndezvipi zvinodhaka uye zvinofanirwa kuita ndeyekubatsira varwere kuwana zvakakosha, ruzivo rwusingafungiri pamusoro peChikamu D D sarudzo sezvinobvira. Kana ruzivo irworwo ruwanika, vanachiremba vanogona kubatsira varwere kushandisa sarudzo inokosha.
Iyo imwe chete yakanakisisa yekudzidza pamusoro peMedicare PDPs ndeye CMS Medicare Plan Finder. Inthanethi inotungamirira vashandisi kupindura mibvunzo yakagadzirirwa kutarisa nzvimbo yavo, zera, mamiriro eMedicaid uye mishonga yemishonga kuPPP iyo inogona kukwanisa zvido zvavo. Zvigumisiro zvinosanganisira mashoko pamusoro pemwedzi weDear premium uye huwandu huripo-hunopa nemishonga yemhando uye 30- kana 90-day supply.
Varwere nevamasimist vanogonawo kuwana ruzivo urwu kubva kuCMS pane foni nekudana 1-800-MEDICARE (800-633-4227).
Maparammaca anofanira kunge akagadzirira kuwedzera zvirongwa zveParidzi Finder uye ruzivo rwavo rwekuti PDPs vanoshanda sei nekushanda, zvimwe zvinowanikwa nevanobatsirana nezvirongwa zviripo uye mabhuku kana ruzivo rwehuwandu hwemashoko kubva kumakambani einishuwarenzi anotungamirira zvirongwa.
Mutengo Ndiwo Mumwe Unofunganya
Vagari vemarayirwo, kufanana nevarwere vose, vangangodaro vaisa pfungwa pachikamu chepamusoro pavanofunga kuti chikamu cheD D chinoronga kupinda. Maparammaca anoda kupararira izvo zvinotarisa, kunyanya sezvo zvimwe zvezvirongwa zvinopiwa zvinogona kuva nezvikwereti zvakaderera, zero zvinotapudzwa uye zvishoma kana kuti hazviwanikwi-zvinokwereta kune mishonga yakawanda.
Chimwe chekufungirwa nevarwere chinodikanwa kutora ndechokuti chirongwa chiripo chete chavanogara kana kuti vanogona kushandisa ruzivo rwakapfuura muUnited States.
CMS inopa chikamu cheDunhu D PDP uye nzvimbo. Vanhu vanofamba kakawanda kana kuti vanogara mune imwe nyika vanozoshandiswa zvakanakisisa neurongwa hwehurumende.
Varwere vanofanirwawo kunzwisisa kuti mishonga yose "yakasununguka" haina kupiwa zvakaenzana. Zvirongwa zvakawanda zvinopa miriyamisi yakaderera uye inobhadhara kune varwere vanowana mitemo yakazadzwa uye inoparidzirwa nemapetromasi ekufambisa tsamba. Varwere vanoda ma pharmacie emunharaunda vangada kubvuma mari yakakwirira.
Kunyanya kukoshesa kufunga kwevarwere kunofanirwa kutora ndiyo inoshandiswa nemishonga purogiramu. Kuti uwane sePPP yakagamuchirwa neCMS, hurongwa hwezvinodhaka hunofanira kuva ne formulary iyo inosanganisira huwandu huwandu hwemishonga muhutano hwehutano hwakasiyana. Iyo Medicare Part D yekutanga ye formulary haina kureba, asi zvakadaro.
Iyo Plan Finder ichadzorera rutivi rweChikamu D D zvirongwa zvine mishonga yemurwere ikozvino pa formulary, asi zvirongwa zvese zvingasava zvakakodzera kusangana nemararamiro ekuchinja kwehutano. Kumunhu wemishonga, izvi zvinoreva kuti kuongorora murwere kunokosha sekuongorora chirongwa paunopa mazano pamusoro pekusarudza PDP.