Uyini umgodi weMedicare 'donut'?

Inkampani Buza i-SingleCare

Ama-donuts mahle — awukudla okumnandi futhi okumnandi. Umgodi wamadonathi, noma igebe lokusetshenziswa kwezidakamizwa kadokotela-lapho abantu abaningi abane-Medicare bazithola bewela khona-alilihle. Uyini ngempela umgodi we-Medicare donut? Okokuqala, udinga ukuqonda iMedicare nokuthi ihlangana kanjani nemithi kadokotela.

Ungahle ufaneleke ukuthola i-Medicare uma:

• uneminyaka engama-65,
• uthole izinzuzo zeSocial Security Disability (SSD) iminyaka emibili,
• une-End State Renal Disease (ESRD) futhi uhlangabezana nenqubo ethile, noma
• banezifo zikaLou Gehrig (ALS)

I-Medicare uhlelo lomshuwalense wezempilo oluxhaswe yi-Social Security Administration ngokusebenzisa intela yeMedare oyikhokhela kumholo wakho, ama-premium e-Medicare, nakuhulumeni wesifundazwe. Empeleni, lokho kusho ukuthi uhulumeni uzokuphatha ukukhokhwa kwezindleko zakho eziningi zezempilo nezindleko zemithi kadokotela.

Qaphela: I-Medicare ihlukile kwi-Medicaid , nololunye uhlelo lomshuwalense wezempilo olunikezwa uhulumeni kubantu baseMelika abahola kancane, kungakhathalekile ukuthi bangakanani ngeminyaka.

Inkinga abantu abaningi abanobuso beMedicare ingumgodi wedon Part Part D. Imbobo yedonathi yakhiwa lapho izindleko zakho sezidakamizwa sezizonke (okukhokhele wena nohlelo lwakho) zifinyelela kumkhawulo othile. Lo mgodi wama-donut ungasho amathegi entengo aphezulu ekhawunteni yekhemisi yabantu abamboziwe Izinhlelo zeMedicare Part D .

Kusho ukuthini ukuba semgodini we-Medicare donut?

Uhulumeni wesifundazwe ubeka izigaba zokuhlanganisa ukuthi imishanguzo yakho izokhokhelwa kanjani unyaka wonke.

Kafushane nje, ufaka imbobo yedonathi lapho inani eliphelele lemithi yakho kadokotela lifinyelela kuzindleko ezihlanganisiwe. Okwamanje, uhlelo lwakho lweNgxenye D luyeka ukukhokhela imiyalo yakho.

Izindleko eziphelele lapho kuqala khona umgodi wamadonathi ziyalungiswa unyaka nonyaka. Kufanele ukhokhe iphesenti yezindleko zemithi ngenkathi usembobeni yedonathi yeMedare.

Umgodi wamadonathi ngeke uthinte bonke abazuzi beMedicare. Labo abasengozini yokuwela emgodini we-donut ngamalungu e-Medicare anecebo lomuthi kadokotela, kwesinye isikhathi elibizwa nge-PDP noma i-MAPD.

Isibonelo semgodi we-Medicare donut

Ake sithi usanda kubhalisela ukumbozwa kwe-Medicare Part D. Okokuqala, ukhokha i-100% yazo zonke izindleko zezidakamizwa uze uhlangane nemali yakho ekhishwayo, engaba phezulu njenge- $ 435. Uma usudlulise lo mkhawulo wokuqala wokumboza, uzofaka isikhathi sokuqala sokumboza. Wena-ke unesibopho sokukhokha i-coinsurance noma i-copayment kuzindleko eziphelele zemiyalo yakho. Uhlelo lwakho lomuthi kadokotela wengxenye yakho D luzohlanganisa konke okunye.

Lapho izindleko zakho zokuphuma ephaketheni kanye nezindleko ezenziwe uhlelo lwakho zifinyelela inani elihlanganisiwe lama- $ 4,020, ungena emgodini owesabekayo weMedare Part D donut. Manje usuzobophezeleka kuzindleko ezingama-25% zemithi kadokotela uze ufike kumkhawulo wakho waminyaka yonke wokukhipha imali ephaketheni ongu- $ 6,350. Uma usufikile kulowo mkhawulo, uzoba sembozweni esiyinhlekelele. Uzokhokha noma u-5% wezindleko zemithi yakho noma i- $ 3.60 yama-generic kanye ne- $ 8.95 yezidakamizwa zegama lomkhiqizo, noma iyiphi inombolo enkulu.

Ukukubeka nje, ohlangothini lwesobunxele lwe-donut yingxenye emnandi lapho ukhokha khona imali yakho ekhishwayo, kanye ne-coinsurance noma i-copayment. Imbobo yedonut yilapho uvame ukukhokha iphesenti eliphakeme lezindleko zakho eziphelele zezidakamizwa. Uhlangothi lwangakwesokudla lwedonki kulapho ungajabulela khona izindleko eziphansi zezidakamizwa futhi.

Kulula ukubona ukuthi umgodi we-donut ungashesha kanjani ukuphonsa ababhalisile abaningi be-Medicare enkingeni yezezimali. Akekho umuntu one-Medicare okufanele enze ukukhetha phakathi kokudla, ukuqasha nemithi kadokotela.

OKUhlobene : Izizathu eziyi-10 zokuthi kungani iziguli zingalandeli njalo imiyalo yodokotela

Uyini umgodi we-Medicare donut we-2020?

Yize imbobo yedonut Medicare iyisimo esinciphisa ukucindezela kwabaningi baseMelika abadinga imishanguzo ebiza kakhulu kadokotela, kunezindaba ezimnandi zango-2020. Eminyakeni edlule, igebe lokutholakala kwengxenye D ivaliwe sibonga Umthetho Wokunakekelwa Ongabizi (ACA). Uma kuqhathaniswa no-2019, umgodi wedonut uye wehla kakhulu.

Kusho ukuthini lokhu kuwe? Ake sihlolisise:

• Umgodi wamadonathi uqala ku- $ 4,020 ezindlekweni zezidakamizwa eziphelele, engeza i- $ 200 eyengeziwe kumkhawulo wokuqala wokuhlanganisa we-2019 wama- $ 3,820.
• Uma usemgodini wamadonathi, uzokhokha ama-25% kuzo zombili igama lomkhiqizo nemithi ejwayelekile. Lokhu kuthuthuka kusuka ku-2019 lapho umgodi wamadonho wawusho ukuthi uzokhokha ama-25% ngemithi enegama futhi ama-37% ngemithi ejwayelekile.

Ngamafuphi, u-2020 uvumela ukumbozwa okwengeziwe okukhokhelwa yi-Medicare ngaphambi kokuwela emgodini wamadonathi, futhi kunciphisa inani olikhokhela umuthi uma ususemgodini wedonut.

Sesha I-Medicare.gov uma udinga imininingwane ethile ngemithi ehlanganiswa nohlelo lwakho lwe-Medicare.

Ungayigwema kanjani imbobo yedonut Medicare

Kunezindlela eziningi zamalungu e-Medicare Part D okugwema ukuwela emgodini we-donut. Inketho eyodwa ukufaka isicelo se- I-Medicare Part D Usizo Olungeziwe Uhlelo, olwenzelwe ukusiza labo abahlangabezana nenqubo ethile yemali engenayo neyempahla. Uma ufanelekile, ubungeke ukhokhe amaprimiyamu nyangazonke noma ama-deductibles, kuze kufike enanini elithile lebhentshimakhi. Uzoba nesibopho sengxenyana encane yomuthi ngamunye. Iya ku www.SSA.gov ukuze ufunde kabanzi mayelana nezinye izinzuzo ezingaba khona zokufaka isicelo sosizo olwengeziwe.

Ngenkathi i-Extra Help, umxhaso wemali ephansi, ulusizo kwabaningi — hhayi wonke umuntu ofanelekile. Kunezinye izinketho ezimbalwa, kufaka phakathi Izinhlelo Zikahulumeni Zokusiza Ngemithi , Izinhlelo Zokusiza Iziguli ngezinkampani ezahlukahlukene zezidakamizwa, namakhadi wesaphulelo samahhala ekhemisi, njengeSingleCare. Lezi zinhlelo zibalulekile kubamukeli abaningi beMedicare. Uma izindleko zikhathaza ukufinyelela emithini, izinhlelo zosizo lweziguli nezindleko eziphansi zezidakamizwa zingasiza ekuqinisekiseni abantu abane-Medicare ukunamathela emithini yabo yemithi futhi bagcine impilo yabo ngenkathi belinde ukuthi bathole ukutholakala okuyinhlekelele.

OKUhlobene : Ngingayisebenzisa i-SingleCare uma ngikwi-Medicare?

I-SingleCare inikeza amalungu kuze kufike kuma-80% emithini yokwelashwa. Awukwazi ukusebenzisa i-SingleCare ngokubambisana nanoma yiluphi uhlelo lwe-Medicare. Kodwa-ke, ungasebenzisa i-SingleCare esikhundleni se-Medicare ezimweni lapho i-SingleCare inikeza inani elingcono kwimiyalo yakho. Kulula ukusesha umuthi wakho ngaphambi kokuya ekhemisi ukubona ukuthi imali izolondolozwani. Lapho-ke, uma ukhokhela izidakamizwa phakathi komgodi wamadonati, wonga izindleko ezingaphandle kwephaketheni.

Ama-prescriptions athengwe nge-SingleCare ngeke abalelwe kumkhawulo wakho wokumboza, ozokugcina kude noma emgodini wamadoni isikhathi eside. Uma lokho kuyinto okhathazeke ngayo, i-SingleCare ikunikeza inketho yokonga imali kwimiyalo yakho yamanani aphansi engeke ikusondeze kumkhawulo wakho wokumboza, ngakho-ke uzoba nokuningi ongakusebenzisa kwimiyalo yakho enentengo ephezulu ngohlelo lwakho lwe-Medicare. Okuhle kunakho konke, iSingleCare ikhululekile ukuyisebenzisa — futhi izohlala njalo.