Chii Chinonzi Donut Hole Mukurapa Drug Coverage?
Iko Donut Hole inoratidzirwa mu Medicare Plan D mishonga yezvinodhaka zvemishonga apo iwe unenge uine huwandu hwekuvhara nekubhadhara zvakawanda kubva muhomwe yako pamishonga yako yemishonga kusvikira iwe uchizosvika kumuganhu uripo.
Kamwe iwe uye urongwa hwako wakashandisa madhora mazana matatu nemazana manomwe pamakuta emishonga; rinotsanangurwa sekuti zvikamu zvose zvakawedzerwa pamwe chete zvakarongwa neurongwa hwako, iwe unotsvaga uye unobhadharwa, iwe unowira mune izvo zvinozivikanwa seDonut Hole kana kuti gaga rekuvhara.
Mari yacho inodarika $ 3700 muna 2017 kana ichienzaniswa ne $ 2830 muna 2010 pamberi peHealth Care Reform. Mari yacho inoshandurwa gore negore.
Muenzaniso Wekuvharwa Kwemiganhu uye Zvigaro zveDonut Hole
| Coverage | 2018 | 2017 | 2016 | 2015 | 2014 | 2010 |
|---|---|---|---|---|---|---|
| Deductible | $ 405 | $ 400 | $ 360 | $ 320 | $ 310 | $ 310 |
| Threshold Paunosvika Mupiro Wekutsvaga | $ 3,750 | $ 3,700 | $ 3,310 | $ 2,960 | $ 2,850 | $ 2,830 |
| Threshold Where You Are Out of Donut Hole uye In Insect Coverage | $ 5,000 | $ 4,950 | $ 4,850 | $ 4,700 | $ 4,550 | $ 4,550 |
> * Dhiyabhorosi muetafura yakashandurwa kubva kuQ1 Group LLC " 2018-2006 Medicare Part D Standard Benefit Model Model Parameters" inopa ruzivo rwakakwana rwemashoko zvakare muna 2006.
Sangano reHIV Care Reform Law ra2012 rakapa mutemo unobatsira kubhadhara mari inowedzera nekuwedzera chikumbaridzo apo gadziriro yekuvhara inotanga uye kuderedza mari inobhadharwa muDonut Hole.
Somuenzaniso, muna 2016, iwe wakabhadhara makumi mashanu kubva kuzana makumi mashanu nemakumi mashanu kubva pamakumi mashanu kubva muzana.
Pari zvino, sezvamuchaona mumitemo iri pasi apa, muna 2017 mari inokwana 40 muzana yezita rechikwere uye 51 muzana ye generic.
Ko Donut Hole Inoshanda Sei muMedare Chikamu D Kushandiswa?
Medicare chikamu cheD inoshandiswa kuburikidza nekupa kugoverwa kwako kusvika kumiganhu yakatarwa. Inoshanda mumatanho matatu.
- Chokutanga, iwe unobhadhara kubva muhomwe 100 muzana kusvikira iwe wasvika pakuronga kwako.
- Zvino kana wakabhadhara mitemo yako kusvika kune iyo yakabviswa muhutano hwako, iwe unobhadhara zvimwe zvikamu zvehuwandu hwehuwandu hwemishonga yemishonga, uye Medicare aripa zororo.
- Kana imwechete yehuwandu hwemishonga yemishonga inodhura inosvika $ 3 700, zvino iwe uri muDonut Hole kuparadzanisa gaka. Kana iwe uye urongwa hwako hwekutarisana hahuna kusvika kune mari ye $ 3 700, saka iwe haugoni kurova Donut Hole.
- Kana iwe ukarova Donut Hole, iwe unofanirwa kuve nemhosva yezvikamu zvakakwirira zvemishonga yako yezvinodhaka zvinodhaka kusvikira iwe uchinge uchinge uchinge uchinge uchinge uchinge uchitora mari muhomwe. Muna 2017 muganhu ndeye $ 4,950 mumishonga yezvinodhaka zvinodhaka. Kana iwe ukarova muganhu uyu, iwe unobva kuDonut Hole, uye kuCastastrophic Coverage iyo yatinotsanangura pasi apa. Asi tisati tasvika ikoko, ngatitauriranei nezvekutora zvidhakwa, kuti premium inoshanda sei uye inorevei kuverenga kusvika kumuganhu.
Iwe Unoramba Uchibhadhara Mutero Wako Paunenge uri muGap Rutivi?
Hungu, iwe unofanira kubhadhara mari yako yepamusoro kunyange kana iwe ukazosvika pakapera. Iko muhomwe inobhadharwa panguva yose yekuparidzira. Kuva muDonut Hole hazvirevi kuti hauna kuvharwa, zvinoreva kuti wakazadzisa muganhu wako weinishuwarenzi iyo zvino inoda kuti iwe ubhadhara kusvika wawana kusvika kumadhora mazana mana nemakumi mana nemakumi mashanu.
Iwe unofanirwa kubhadhara miriyamisi yako yemwedzi pamwedzi wose wegore kana gore rekugovera.Iyo premium yaunobhadhara haina kuverenga sechikamu chekunze kwepokugadzirisa.
Ndezvipi Zvinotarisirwa Kuverenga muDonut Hole kana Kuti Gap Gap?
Maererano neMedareare.gov, zvinhu zvinotevera zvinotarisirwa pakuzadza gwaro rakavhara:
- Deductible
- Coinsurance
- Co-kubhadhara
- Anokurudzira kuti uwane pazvinodhaka zvezita rechigadzirwa
- Nhamba yaunobhadhara kubva muhomwe muvharo yekuvhara kwezvinodhaka zvakafukidzirwa.
- Mishonga yemishonga yako yakagadzirirwa iwe newechitatu shamwari, nhengo yemhuri kana boka rezvipo, semuenzaniso.
Zvinotevera hazviverengi:
- ma-premium unobhadhara iwe
- inowedzera iwe unobhadhara kunze kwehomwe yemishonga isina kuvharwa
- kusatenderwa kutenga zvemadhiragi kunze kwekuvhara kwako network
- kukosha kwemishonga yakasununguka, yakadai seyakagamuchirwa pasina rusununguko kubva kuna chiremba wako semuenzaniso
- mari yemishonga inotengwa kubva kune dzimwe nyika inogonawo kubviswa
Inobatanidzwa yakasiyana neBrit Brand Name Zvinodhaka uye Generic Zvinodhaka?
Zvakakosha kucherechedza kuti kusiyana kweiyo nzira yezvinyorwa zvemazita uye mazita emishonga akasiyana-siyana uye zvinobatsira kuti kunze kwemari inoshandiswa inoda kuti zvive nehuwandu hwekugoverana.
Mienzaniso yezita reBrit Name vs Generic Drug Costs muDonut Hole Coverage Gap
- Jeff anoenda kune chirongwa chinogamuchirwa nekodzero yemasitatimendi kuti agadzire chiremba uye anowana mishonga inogadziriswa paanenge ari munharaunda yekuvhara. Mari yezvinodhaka ndeye $ 50 uye mari yezvemishonga ndeye $ 2. Anofanira kubhadhara 51 muzana ye $ 52 iyo inokwana $ 26.52. Iyi mari inotarirwa kumunhu ari kunze kwemari yekushandisa mari uye ichaita kuti mari yacho iwane ruzivo kuti ibatsire kubuda muvharo rekuvhara.
- Jane anoenda kune chirongwa chinogamuchirwa nemakemikari epasimisitiri kuti agadzire mishonga yemuchina wekodhi zita remishonga . Akave atosvika pakurongeka kwekuvharidzira muurongwa hwake. Mushonga wacho unodhura $ 50 uye mari yemishonga inosvika $ 2. Jane anofanira kubhadhara makumi mana kubva muzana yematengo nokuti ari munharaunda yekuvhara uye ichi ndicho chiyero chemishonga yemishonga. Forty muzana ye $ 52 i $ 20.80. Muiti wacho akabhadharawo chikamu chemari yebhadharo kuburikidza nebhadharo yekubvisa. Semuenzaniso, kana mari iyo yakaderedzwa yaiva $ 30, kunyange zvazvo Jane akangobhadhara $ 20.80 pamushonga uyu, mari chaiyo yaibhadhara pamushonga uyu, uye muiti uyu aizova $ 20.80 pamwe ne $ 30, saka $ 50.80 ichaverengera kwaari kubva kunze kwekushandisa mari uye ichaita kuti mari yacho iwane rubatsiro kumubatsira kuti abve muvharo rekuvhara.
Nzira inokosha: Nguva dzose iva nechokwadi chokuti mishonga inosarudza iwe inowira munharaunda yako yakagamuchirwa yehutano hwehutano kana iwe haungave wakavharwa.
Kuwana Dhauriro Pamishonga MuDonut Hole
Kuwana zvikwereti pamishonga yemishonga inonyanya kukosha kukubatsira kuti ubve muDonut Hole uye kuchengeta mari nekukurumidza. Zvipo zvinogadziriswa ne "nzira dzekutsvaga" pazita rechirwere zvinodhaka zvinotarisa kune zviyero zviri kuwedzerwa ku "kukubudisa iwe kubva kuDonut Hole". Zvakakosha kuva nechokwadi kuti uri kutora chero zvikwereti zvaunofanirwa kuita pane mushonga wemishonga, sezvaunogona kuona mumuenzaniso watakashandisa pamusoro apa.
Iwe unogona kuwana ruzivo pamusoro pezvikomborero muMwedzi Unotsanangurwa weBatsiro. Kana iwe usina purogiramu muurongwa hwako kana kuti haugoni kuwana, unogona kukumbira mumwe kana kuwana zvimwe nekukurukura hurongwa hwako. Kana iwe uchinzwa iwe unofanirwa kutora zvishoma, asi urongwa hwako hunoti iwe hauna kodzero kune imwe, iwe une sarudzo yekupa chikwata.
Sei uchitenga chirongwa cheDanho Chikosha Mukuchengetedza Mari
Gore roga roga bhizinesi vanovandudza mararamiro, uyezve, mamiriro enyu ega anogona kuchinja gore negore. Vanhu vazhinji vanofungidzira nokuti vane mari yakanakisisa gore rimwe nerimwe, vachiri kuwana chirongwa chekanakisisa chehutano pazvinovandudzwa, Izvi zvingave zvisina kudaro. Sezvo bhizimisi vanovandudza mapurogiramu iwe unogona kuwira mukubhadhara kupfuura iwe unofanirwa kubhadhara, uye kana uchinetseka nezvemari yaunogona kurasikirwa kana iwe uchirova Donot Hole kuparadzanisa gaka, iwe unofanirawo kutarisa kutora nguva yekudzokorora zvose zvaunogona . Kutenga kunogona kukuponesa mazana emadhora, zvakakodzera kukosha. Heino zvakanakisisa zvingakubatsira kuti uenzanise nemitengo yeMedare Plan D inowanikwa paIndaneti.
Ungachengetedza Sei Mari Pamusoro Pezvinodhaka Zvinodhaka Zvinodhaka?
- Nokukumbira chiremba wako kana pane zvisingadhura zvinodhaka kana kutsvaga mamwe maitiro emishonga yemishonga inogona kunge isiri kudhura iwe usati uri muvharo yekuvhara kunonoka kunonoka kwako kusvika pakuvhara kwekuvhara uye iwe uchachengetedza mari.
- Nguva dzose iva nechokwadi chokuti chero mishonga ipi inorayirwa kwauri yakafukidzwa nechirongwa chako.
Muchikamu chedu pamusoro pekuchengetedza mari pahutano hwehutano , tinopa mazano akawanda ekuchengetedza mari pamagadziro ezvoutano uye mishonga yemishonga. Caitlin Donovan, Mutungamiri weKuberekwa kweNyika uye Mutungamiri weZvenyika muNational Patient Advocate Foundation yakakurudzira kutenga kutenga yehutano inshuwarano nekuongorora zvose zvaunogona. Akapa iyi nharo kuti abatsire kuponesa pamigwagwa yemishonga yemishonga:
"Tarisa ma Pharmacy akasiyana kuti uone kuti ndiani anopa mutengo wakanakisisa wemishonga yako." Kana iwe ukawa pasi peimwe mari yepamusoro, muumbi anogona kunge ane chirongwa chekukubatsira kuwana mishonga iyoyo. "
Iwe Unogona Kudzivisa Kuvhara Gap mu Medicare Chikamu D?
Haasi wose muMedarereti D iyo icharova Donut Hole, vanhu vanofanirwa nehupurogiramu dzekubatsira zvimwe vangasafanira kubhadhara muDonut Hole. "Kubatsirwa kwakakwana" kana kuti "rubatsiro runowanikwa zvishoma" kunogona kubatsira vanhu kuchengetedza mari kunyanya kana vari mubhaketi. Iwe unogona kuverenga zvakawanda pamusoro peizvi panzvimbo yeHurumende pano: Medicare Extra Extra for Chikamu D
Chii Chinokonzera Kuwanda?
Kuparara kwakaipisisa ndeye chikamu mu Medicare chinyorwa Chikamu D - Chirongwa cheMishonga Chirongwa cheMishonga kana iwe wawana kusvika pachikumbaridzo cheDonut Hole. Nyaya yako yemwedzi yega yega ichachengetedza kuti iwe wakabhadhara mari yakadii kune gwaro rekuvhara. Zvino kana wasvika kusvika kumuganhu wako uye uri muChipastrophic Coverage yako chirongwa chinotanga kupa mimwe yakawanda. Zvichienderana nekuti uri kushandisa mazita emishonga yemagetsi kana kuti mazita, semuenzaniso, unogona kutarisa kubhadhara zvishoma ne5 kubva muzana muhomwe, zvichienzanisa nemuenzaniso uri pamusoro apa iwe uri kuripa 40 muzana kana 51 muzana yemari iyo uri muDonut Hole. Urongwa hwako huchabhadhara 95 muzana kana iwe uri munjodzi yekuparidzira. Chengetedza tsanangudzo yepurogiramu yako yekuparidzira kwakaipa mune chirongwa chenyu chaiye uye kugoverana.
Kuchengetedza Mari Paunenge Uchinyora muMedarereji yeChirongwa cheMishonga yeDrug Chikamu D
Zvakakosha kunyoresa mu Medicare Part D kuparidzira panguva imwechete iwe unyoresa muchikamu B. Izvi zvichakubatsira kuti urege kurangwa. Kana iwe ukasainira munguva shomanana kana kukanganisa nguva yekunyora iwe uchabhadhara zvikwereti zvakare sechikamu cheChikamu D D Penalty.
Ko Kana Iwe Usingadi Kubhadhara Chirango? Ko chikamu D D Chirwere Chingave Chakanaka kana Kubviswa?
Kana iwe uchida kubhadhara chirango pane Medicare Part D yako, iwe uchaudzwa pamusoro paro uye chirango chinova chikamu chemishandirapamu. Iwe unofanirwa kubhadhara iyo kana uchida kupinda muchirongwa. Zvisinei, kana iwe uchinzwa kuti iwe haufaniri kubhadhara chikwereti, iwe une sarudzo yekushandisa kuti chirango chiongororwe. Murengeti weMedare achazoongororazve chisarudzo chavo nezvikonzero uye kutsigira ruzivo rwaunovapa pamusoro pekuda iwe usingafaniri kubhadhara chirango uye iwe uchagamuchira chigadziro chekufunga zvakare. iye anofunga nezvekufungisisa hakusi kusarudza kwekukurumidza, zvinotora nguva. Kana imwe nguva chisarudzo chaitwa iwe uchagamuchira chiziviso kukukurudzira nezvechisarudzo. Iwe uchatozofanira kubhadhara chikwereti iwe uchimirira chisarudzo chinoitwa.
Medicare Chikamu D Kutadza Kuyeuka
Kana sarudzo mushure mekufungisisa zvakare kugadziriswa, uye chirango hachibviswa, iwe unofanira kubhadhara chikamu sechikamu chebhadharo yako.
Kana sarudzo mushure mekufungisisa zvakare ndeyokuti haufaniri kubhadhara chirango, ipapo iwe uchagamuchira chiziviso chinotsanangura maverengi matsva. Mutano Wemurepa wako angasarudza kuti chirango chose chakashata, kana chikamu chayo chete. Kusvikira iwe wagamuchira chisarudzo chayo mukunyora, iwe uchafanira kuramba uchibhadhara mapurogiramu wawakabvuma pawakasayina. Tsamba yaunowana inotsanangura chisarudzo ichajekesa mari itsva uye yakarongedzerwa premium mushure mekunge Medicare Contractor iongorore faira.
Kunzwisisa Utano Hwendeimende Ongororo yeDhipatimendi ReMishonga Yako: Zvishomanana Zvimwe Zvimwe
Kana uchida rubatsiro kunzwisisa maitiro ako aMedricare kana kuti Prescription Drug Costs, unogonawo kufunga:
- Kukurukura neunharaunda yako yeHeral Health Insurance Assistance Program iyo inogona kukupa ruzivo rwemukati runogona kukubatsira.
- Enzanisa zvikwereti zveMedareti Dhapiro D ezvimwe zvirongwa zvekutsvaga paIndaneti kuti ugare pamusoro pekutengesa uye mapeamisi anogona kuwanikwa kwauri.
- Dzidza nezvekuti hurumende yako ine chirongwa cheMushonga weKubatsira Mishonga kuti ikubatsire.
- Mutachiona weNational Patient Advocate Foundation anopa mhando dzewebhu dzemunharaunda kubatsira varwere, kusanganisira imwe inotaura nezvekurapa uye zvinodhaka zvinodhaka.
Ichi chinyorwa chinopa ruzivo rwehuwandu kuti ikupe nemari uye inokubatsira kuti unzwisise pfungwa dzepakati pekugovera uye "Donut Hole", inongova mutungamiri. Ndapota funga nechokwadi uye chengetedza urongwa hwako hwehupfumi hunofambisa kana kuti mutengesi wemvumo kana kuti mutengesi nokuda kwezvakanakira uye zvikanganiso zvehutano hwehutano hwehutano hwehutano uye kuti huchashanda sei mumamiriro ako.