Kashi na Medicare Sashi D a Ana cirewa a 2021: Kuɗi a kallo

Wadatacce

• Menene farashin Medicare Sashe na D?
• Masu cire kudi
• Farashin farashi
• Copays da tsabar kudin
• Mene ne raunin ɗaukar hoto na Sashin Kiwon Lafiya na D ("donut hole")?
• Brand-sunan magunguna
• Magunguna na asali
• Cutar bala'i
• Shin yakamata in sami Medicare Sashe na D ko Tsarin Amfani da Medicare?
• Fa'idodin Medicare Amfani da fa'ida
• Hukuncin shiga makaranta
• Ta yaya zan shiga cikin Medicare Part D?
• Ta yaya zan iya samun taimako game da kuɗin magani na magani?
• Sauran nasihun kudi-tanadi
• Takeaway

Sashin Kiwon Lafiya na D, wanda kuma aka fi sani da ɗaukar magani, shine ɓangare na Medicare wanda ke taimaka muku biyan kuɗin magungunan magani. Lokacin da kuka yi rajista a cikin shirin Sashe na D, kuna da alhakin biyan kuɗin da za ku cire, ƙididdigar ku, biyan kuɗaɗen ku, da adadin tsabar kuɗi. Matsakaicin Matsakaicin Maganar Sashi na D don 2021 shine $ 445.

Bari muyi cikakken duba menene Medicare Part D game dashi kuma menene shiga cikin shirin Medicare Part D zai iya kashe ku a 2021.

Menene farashin Medicare Sashe na D?

Da zarar an sanya ku a cikin Medicare Sashe na A da Sashi na B, na asali na Medicare, zaku iya yin rajista a cikin Medicare Sashe na D. Shirye-shiryen magungunan likitancin likita zai taimaka wajen rufe duk wani kwaya da aka ba da magani wanda ba a rufe shi a karkashin shirinku na asali.

Masu cire kudi

Kudin Medicare Part D shine kudin da zaka biya kowace shekara kafin shirin ka na Medicare ya biya kason shi. Wasu shirye-shiryen magani suna cajin kuɗin $ 0 na shekara-shekara, amma wannan adadin na iya bambanta dangane da mai bayarwa, wurinka, da ƙari. Mafi girman kuɗin da kowane tsarin Sashi na D zai iya cajin shi a 2021 shine $ 445.

Farashin farashi

Kudin Medicare Part D shine adadin da zaku biya kowane wata don sanya ku cikin shirin likitan ku. Kamar abubuwan cire $ 0, wasu shirye-shiryen magani suna cajin kuɗin $ 0 na wata-wata.

Adadin kowane wata don kowane shiri na iya bambanta dangane da dalilai daban-daban, gami da kuɗin ku. Idan kudin shigar ku ya zarce wani kofa, maiyuwa ya biya adadin daidaiton kudin shiga na wata-wata (IRMAA). Wannan adadin da aka gyara don 2021 ya dogara ne akan dawo da harajin ku na 2019.

Anan ne 2021 Sashi na D IRMAAs dangane da matakin samun kudin shiga azaman mutum yayi fayil akan dawo da haraji:

• $ 88,000 ko lessasa: babu ƙarin kari
• > $ 88,000 zuwa $ 111,000: + $ 12.30 kowace wata
• > $ 111,000 zuwa $ 138,000: + $ 31.80 kowace wata
• > $ 138,000 zuwa $ 165,000: + $ 51.20 kowace wata
• > $ 165,000 zuwa $ 499,999: + $ 70.70 kowace wata
• $ 500,000 da sama: + $ 77.10 kowace wata

Ofar shiga daban ta mutane daban-daban waɗanda suke yin rajista tare da waɗanda suka yi aure kuma suka yi fayil daban. Koyaya, haɓaka kowane wata zai kasance daga $ 12.40 zuwa $ 77.10 kari a kowane wata, gwargwadon kuɗin ku da matsayin rajistar.

Copays da tsabar kudin

Biyan kuɗin Medicare na Sashi na D da kuma yawan kuɗin inshora sune farashin da kuka biya bayan an cika kuɗin ɓangarenku. Dogaro da shirin da kuka zaɓa, ko dai za ku ci bashin biyan kuɗi ko kuma kuɗin inshorar.

Biyan kuɗi shine adadin da kuka biya don kowane magani, yayin da tsabar kuɗi shine yawan kuɗin kuɗin magani da kuke da alhakin biya.

Copididdigar Sashin D da adadin tsabar kuɗi na iya bambanta dangane da "bene" da kowane magani yake ciki. Farashin kowane magani a cikin tsarin shirin magani ya tashi yayin da tiers ke ƙaruwa.

Misali, shirin maganin likitan ku na iya samun tsarin bene mai zuwa:

Mene ne raunin ɗaukar hoto na Sashin Kiwon Lafiya na D ("donut hole")?

Yawancin shirye-shiryen Medicare Part D suna da rata na ɗaukar hoto, wanda ake kira "ramin donut." Wannan gibin ɗaukar hoto yana faruwa lokacin da kuka isa iyakar abin da shirinku na Part D zai biya don magungunan likitan ku. Wannan iyakancin yana ƙasa da adadin musabbabin adadinku, duk da haka, wanda ke nufin cewa zaku sami rata a cikin ɗaukarku.

Anan ga yadda ratar ɗaukar hoto don Medicare Part D ke aiki a 2021:

• Rarraba shekara-shekara. $ 445 shine mafi girman abin da za'a cire wanda shirin Medicare Part D zai iya caji a 2021.
• Farkon ɗaukar hoto. Coverageimar ɗaukar hoto na farko don shirin Medicare Part D a 2021 shine $ 4,130.
• Cutar bala'i. Yawan adadin bala'in zai fara ne da zarar ka kashe $ 6,550 daga aljihu a 2021.

Don haka, menene ya faru lokacin da kuke cikin ɓoyayyen ɓangaren shirinku na Sashe na D? Wannan ya dogara da masu zuwa:

Brand-sunan magunguna

Da zarar kun shiga ratar ɗaukar hoto, ba za ku ci bashin fiye da kashi 25 cikin ɗari na farashin magungunan ƙwayoyi masu amfani da alamar da shirinku ya rufe ba. Kuna biya kashi 25, mai ƙera ya biya kashi 70, kuma shirinku ya biya sauran kashi 5.

Misali: Idan kwaya-mai suna-kwaya-kwaya ta kashe $ 500, za ku biya $ 125 (tare da kudin bayarwa). Maƙerin magunguna da shirinku na Part D zasu biya ragowar $ 375.

Magunguna na asali

Da zarar kun shiga ratar ɗaukar hoto, zaku ci bashin kashi 25 cikin ɗari na kuɗin magungunan ƙwayoyin cuta waɗanda shirinku ya rufe. Kuna biya kashi 25 kuma shirinku ya biya sauran kashi 75.

Misali: Idan kwayar maganin ku na yau da kullun $ 100, zaku biya $ 25 (tare da kuɗin rarrabawa). Tsarin Sashin ku na D zai biya ragowar $ 75.

Cutar bala'i

Don sanya shi daga tazarar ɗaukar hoto, dole ne ku biya jimillar $ 6,550 a cikin kuɗaɗen aljihu. Wadannan farashin zasu iya hada da:

• maganin da za a cire
• biyan kuɗin ku / tsabar kudin ku
• farashin magungunan ku a cikin rata
• adadin da masana'antun magunguna suka biya yayin lokacin rami

Da zarar ka biya wannan kuɗin daga cikin aljihunka, bala'in hadinka zai fara aiki. Bayan wannan, kawai za ku kasance da alhakin ƙarancin biyan kuɗi ko tsabar kuɗi. A cikin 2021, adadin tsabar kudin ya kai kashi 5 cikin ɗari kuma adadin kuɗin ya kai $ 3.70 don ƙwayoyin magunguna da $ 9.20 don ƙwayoyi masu suna.

Shin yakamata in sami Medicare Sashe na D ko Tsarin Amfani da Medicare?

Lokacin da kuka shiga cikin Medicare, kuna da zaɓi na zaɓar Sashin Medicare Sashe na D ko Amfanin Kulawa (Sashe na C) don saduwa da buƙatun ɗaukar magungunan ku na likita.

Fa'idodin Medicare Amfani da fa'ida

Yawancin tsare-tsaren Amfani da Medicare sun haɗa da ɗaukar magungunan ƙwayoyi ban da sauran zaɓuɓɓukan ɗaukar hoto kamar haƙori, hangen nesa, ji, da ƙari. Wannan ƙarin ɗaukar hoto na iya haifar da ƙarin kuɗi gabaɗaya, kuma ƙila za ku iya biyan ƙarin kuɗi don shirin Amfani da Medicare fiye da ƙara Partangaren D zuwa shirinku na asali.

Kari akan haka, wasu tsare-tsaren HMO na Kwarewar Medicare na iya takaita kewayon ka ga likitocin-cibiyar sadarwa da magunguna. Wannan yana nufin cewa likitanku na yanzu ko kantin magani bazai iya rufe shi ba ta hanyar shirin Kula da Lafiya wanda kuke son shiga.

Hukuncin shiga makaranta

Komai ko kun zaɓi Sashin Medicare Sashe na D ko shirin Amfani da Medicare, Medicare na buƙatar cewa kuna da wasu nau'ikan ɗaukar magani. Idan kun tafi ba tare da ɗaukar maganin magani ba har tsawon kwanaki 63 a jere ko sama da haka bayan kun fara yin rajista a Medicare, za a caje ku hukuncin dindindin rajista na Medicare Part D. An ƙara wannan kuɗin azurfan a cikin kuɗin kuɗin kuɗin likitan ku a kowane wata ba ku shiga ba.

Ana lasaftar da hukuncin biyan kuɗin shiga na Medicare na ƙarshen karatun ta hanyar ninka "ƙimar mai cin ribar ƙasa" da kashi 1 sannan kuma ninka wannan adadin da adadin cikakkun watannin da kuka tafi ba tare da ɗaukar hoto ba. Kyautar mai cin gajiyar ƙasa ita ce $ 33.06 a cikin 2021, don haka bari mu kalli yadda wannan hukuncin zai yi kama da wanda ya yi rajista a ƙarshen 2021:

• Lokacin shigar da Mr. Doe na farko ya kare ne a ranar 31 ga Janairu, 2021.
• Mista Doe ba ya yin rajista a cikin ingantaccen maganin magani har zuwa Mayu 1, 2021 (bayan watanni 3).
• Mr.Doe zai ci bashin $ 0.33 ($ 33.06 x 1%) a kowane wata wanda ya tafi ba tare da ɗaukar hoto ba (watanni 3).
• Mista Doe zai biya tarar $ 1.00 na kowane wata ($ .33 x 3 = $ .99, wanda aka tattara zuwa kusan $ 0.10) na gaba.

Penaltyarshen hukuncin yin rajista zai iya canzawa kamar yadda ƙimar mai karɓar ƙasa ke canje-canje kowace shekara.

Ta yaya zan shiga cikin Medicare Part D?

Kun cancanci yin rajista a cikin shirin Sashe na Medicare a lokacin rijistar ku na Medicare. Wannan lokacin yana gudana watanni 3 kafin, watan, da kuma watanni 3 bayan shekaru 65. Hakanan akwai ƙarin lokacin yin rajista na Medicare Part D, kamar su:

• 15 ga Oktoba zuwa 7 ga Disamba. Kuna iya rajista idan kun riga kun shiga cikin sassan A da B amma har yanzu baku shiga cikin Sashe na D ba, ko kuma idan kuna son canzawa zuwa wani shirin Sashe na D.
• Afrilu 1 zuwa Yuni 30. Kuna iya yin rijista idan kun yi rajista a cikin Sashin Kiwon Lafiya na B yayin lokacin yin rajista na Sashe na B gaba ɗaya (Janairu 1 zuwa Maris 31).

Kowane shiri na Medicare Part D yana da jerin magungunan likitanci wanda yake rufewa, wanda ake kira tsari. Shirye-shiryen maganin likitanci ya haɗa duka sunaye da magunguna na yau da kullun daga rukunin magungunan da aka saba da su. Kafin kayi rajista a cikin shirin Sashe na D, duba cewa an rufe magungunan ku a ƙarƙashin tsarin shirin.

Lokacin da kuka shiga cikin Sashi na D, akwai kuɗin shirin ban da ainihin kuɗin ku na Medicare. Waɗannan kuɗaɗen sun haɗa da cire kuɗin magani na shekara-shekara, ƙimar shirin magani na wata-wata, sake biyan kuɗin magani, da kuma biyan kuɗi.

Ta yaya zan iya samun taimako game da kuɗin magani na magani?

Masu cin gajiyar Medicare waɗanda ke da matsala don haɗuwa da farashin magungunan ƙwayoyi na iya amfani da shirin Helparin Taimako. Helparin Taimako shiri ne na Medicare Sashe na D wanda ke taimakawa wajen biyan kuɗi, ragi, da kuma kuɗin tsabar kudi masu alaƙa da shirin likitan ku.

Don cancanta ga Helparin taimako na Medicare, albarkatunku bazai wuce adadin da aka ƙayyade ba. Albarkatun ku sun hada da tsabar kudi a hannu ko a banki, tanadi, da saka hannun jari. Idan kun cancanci Helparin Taimako, za ku iya yin amfani ta hanyar shirin likitan ku na likita tare da takaddun tallafi, kamar sanarwa na likita.

Ko da kuwa baka cancanci ƙarin Helparin taimako ba, har yanzu kana iya cancanta ga Medicaid. Medicaid tana ba da kulawar kiwon lafiya ga mutanen da ke da ƙananan kuɗi waɗanda ba su kai shekara 65 ba. Duk da haka, wasu masu cin gajiyar Medicare suma sun cancanci ɗaukar aikin Medicaid, gwargwadon matakin samun kuɗin shiga. Don ganin ko ka cancanci zuwa Medicaid, ziyarci ofishin sabis ɗin zamantakewar ku na gida.

Sauran nasihun kudi-tanadi

Baya ga samun taimakon kuɗi, akwai wasu abubuwan da zaku iya yi don taimakawa rage farashin kuɗin maganin ku:

• Siyayya kantin magunguna daban-daban. Magungunan kantin sayar da magani na iya siyar da magunguna daban-daban, don haka kuna iya kira don tambaya nawa takamaiman magani zai iya kashe ku.
• Yi amfani da takardun shaida na masana'anta. Yanar gizo na masana'anta, gidajen yanar gizo na tanadin magunguna, da kuma shagunan sayar da magani na iya ba da takardun shaida don taimakawa rage kuɗin kuɗin kuɗinku na aljihu.
• Tambayi likitanku game da sifofin iri ɗaya. Magungunan jigilar kaya sau da yawa suna cin ƙasa da nau'ikan alamun suna, koda kuwa tsarin ya kusan zama iri ɗaya.

Takeaway

Tsarin Medicare Part D ya zama tilas a matsayin mai cin gajiyar Medicare, saboda haka yana da mahimmanci a zaɓi shirin da zai amfane ku. Lokacin siyayya a kusa don ɗaukar maganin ƙwaya, yi la'akari da wane maganin da aka rufe da kuma nawa za su biya.

Yawancin lokaci, farashin shirin likitancin magani zai iya ƙarawa, don haka idan kuna fuskantar matsalar biyan kuɗin ku, akwai shirye-shiryen da zasu iya taimakawa.

Don kwatanta shirin Medicare Part D ko Medicare Advantage (Sashe C) tsare-tsaren magungunan ƙwayoyi kusa da ku, ziyarci Medicare’s sami wani shirin kayan aiki don ƙarin koyo.

An sabunta wannan labarin a Nuwamba 19, 2020, don yin tunani game da 2021 bayanin Medicare.

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.