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Yintoni i-Medicare 'hole donut'?

Yintoni i-Medicare Inkampani ibuze i-singleCare

Iidonati zilungile-ziyiphekwe emnandi kwaye imnandi. Umngxunya we-donut, okanye i-Medicare kagqirha wokugubungela iziyobisi-abantu abaninzi abane-Medicare abazifumana bewela-ayisiyonto intle. Yintoni kanye kanye imbobo yedonare yonyango? Okokuqala, kufuneka uqonde iMedicare kunye nendlela enxibelelana ngayo neziyobisi.





Unokufanelekela kwi-Medicare ukuba:



  • uneminyaka engama-65 ubudala,
  • bafumane izibonelelo zokuKhubazeka koKhuseleko lweNtlalo (SSD) iminyaka emibini,
  • Isifo seNtsholongwane kaRhulumente se-End State (ESRD) kwaye sihlangabezane neenqobo ezithile, okanye
  • unesifo sikaLou Gehrig (ALS)

I-Medicare yinkqubo yeinshurensi yezempilo exhaswa nguLawulo loKhuseleko loLuntu ngokusebenzisa iirhafu ozihlawulayo kumvuzo wakho, iipremiyamu zeMedicare, kunye nakurhulumente womanyano. Ngokusisiseko, oko kuthetha ukuba urhulumente uya kulawula ukuhlawulwa kononophelo lwezempilo kunye neendleko zonyango.

Phawula: I-Medicare yahlukile kwiMedicaid , yenye yeenkqubo zikarhulumente zeinshurensi yezempilo kubantu baseMelika abafumana imivuzo ephantsi, nokuba badala kangakanani.

Ingxaki abantu abaninzi abanobuso beMedicare yinxalenye D yomngxunya wokungabinamali. Ifom yomngxunya wokungabikho kwemali xa iindleko zakho zonyaka zamachiza (ohlawulwe nguwe nesicwangciso sakho) zifikelela kumda othile. Lo mngxunya wokunikela ungathetha iithegi zamaxabiso aphezulu kwikhawuntara yekhemesti yabantu abagutyungelweyo Icandelo le-Medicare Icandelo D .



Kuthetha ukuthini ukuba semngxunyeni wedaut?

Urhulumente wobumbano ubeka izigaba zokugubungela indlela amayeza akho aya kuhlawulwa ngawo unyaka wonke.

Ngamafutshane, ungena emngxunyeni we-donut xa iindleko zizonke zamayeza akho amiselweyo zifikelela kwindleko emiselweyo kwangaphambili. Okwangoku, icandelo lakho lesicwangciso D liyayeka ukuhlawulela imigqaliselo yakho.

Iindleko ezipheleleyo apho umngxunya we-donut uqala khona zilungelelaniswa minyaka le. Kuya kufuneka uhlawule ipesenti yeendleko zamayeza ngelixa usemngxunyeni wedonare yonyango.



Umngxunya we-donut awuyi kuchaphazela bonke abaxhamli be-Medicare. Abo basemngciphekweni wokuwela kumngxunya wokunikela ngamalungu e-Medicare anesicwangciso sokuyalela, ngamanye amaxesha ekubhekiswa kuso njenge-PDP okanye i-MAPD.

Umzekelo wemingxunya yemedare

Masithi usayinele ukungena kwi-Medicare Part D. Okokuqala, uhlawula iipesenti ezingama-100 kuzo zonke iindleko zamachiza de ube udibana nokutsalwa kwakho, okunokuphakama kube ngama- $ 435. Nje ukuba udlule kulo mda wokuqala wokugubungela, uya kufaka ixesha lokuqala lokugubungela. Unoxanduva lokuhlawula i-coinsurance okanye ukukhutshwa kwentlawulo kwiindleko ezipheleleyo zemimiselo yakho. Isicwangciso sakho secandelo seCandelo D sokugulisa siya kugubungela okuseleyo.

Xa iindleko zakho zokuphuma epokothweni kunye neendleko ezibangelwe sisicwangciso sakho zifikelela kwi-4,020 yeedola iyonke, ungena kwindawo eyoyikekayo ye-Medicare Part D. Ngoku uya kuba noxanduva lwe-25% yeendleko kumachiza amiselweyo de ubethe umda wenkcitho yakho yokuphuma epokothweni ngonyaka oyi- $ 6,350. Nje ukuba ufike kuloo mda, uya kuba yintlekele. Uya kuhlawula i-5% yeendleko zonyango lwakho okanye i-3.60 yeedola ze-genics kunye ne-8.95 yeedola kumachiza egama legama, nokuba leliphi inani elingaphezulu.



Ukuyibeka ngokulula, icala lasekhohlo le-donut yinxalenye emnandi apho uhlawula khona ukutsalwa kwakho, kunye ne-coinsurance okanye ukuhlawulwa kwemali. Umngxunya wedonut kulapho uhlala uhlawula ipesenti ephezulu yeendleko zakho zamachiza. Icala lasekunene ledon kuxa unokonwabela iindleko ezisezantsi zamachiza kwakhona.

I-Medicare Donut Hole icacisiwe



Kulula ukubona indlela umngxuma wokunikela onokuphosa ngayo ngokukhawuleza ababhalisi abaninzi beMedareya kwingxwabangxwaba yemali. Akukho mntu uneMedicare kufuneka enze ukhetho phakathi kokutya, irente kunye neziyobisi.

Ezinxulumene : Izizathu ezili-10 zokuba kutheni izigulana zingasoloko zilandela imiyalelo yoogqirha



Uyintoni umngxunya wonyango wemedare ka-2020?

Nangona umngxuma wokunikezela ngeMedicare yimeko yokunciphisa uxinzelelo kubantu abaninzi baseMelika abafuna amayeza abiza imali eninzi, kukho iindaba ezimnandi zango-2020. Kule minyaka idlulileyo ivale enkosi kuMthetho woNonophelo ongenakunceda (ACA). Xa kuthelekiswa ne-2019, umngxuma wedonut uye wancipha ngakumbi.

Ithetha ntoni le nto kuwe? Makhe sijonge ngakumbi:



  • Umngxunya wokunikela uqala kwi-4,020 yeedola kwiindleko zamachiza zizonke, ukongeza i- $ 200 eyongezelelweyo kwi-2019's $ 3,820 yokuqala yokugubungela umda.
  • Xa usemngxunyeni wedonut, uyakuhlawula iipesenti ezingama-25 kuzo zombini igama lophawu kunye neziyobisi eziqhelekileyo. Olu luphuculo ukusuka kwi-2019 xa umngxunya we-donut wawuthetha ukuba uza kuhlawula i-25% yamachiza anegama lophawu kunye ne-37% yamachiza enziwe afana nalawo enziwa ngumenzi.

Ngamafutshane, i-2020 ivumela ukuhlawulwa okungaphezulu okuhlawulwa yi-Medicare ngaphambi kokuba uwele emngxunyeni we-donut, kwaye kunciphise isixa ohlawula amayeza wakuba usemngxunyeni wedonut.

Khangela amayeza.gov ukuba ufuna ulwazi oluthile ngamayeza agutyungelwe yinkqubo yakho ye-Medicare.

Ungawuthintela njani umngxunya wedonare yonyango

Kukho iindlela ezininzi zamalungu e-Medicare Icandelo D ukunqanda ukuwela kumngxunya wokunikela. Olunye ukhetho kukufaka isicelo se Icandelo leMedare D Uncedo olongezelelweyo Inkqubo, eyilelwe ukunceda abo bahlangabezana nemilinganiselo ethile yengeniso kunye neeasethi. Ukuba ufanelekile, ngekhe uhlawule iipremiyamu zanyanga zonke okanye ezitsaliwe, ukuya kuthi ga kwinani elithile lomlinganiso. Uya kuba noxanduva lwecandelo elincinci kuphela kwichiza ngalinye. Yiya ku www.SSA.gov ukuze ufunde okungakumbi ngezinye izibonelelo ezinokubakho zokufaka isicelo soNcedo olongezelelweyo.

Ngelixa uNcedo olongezelelekileyo, inkxaso-mali enengeniso ephantsi, iluncedo kuninzi-ayinguye wonke umntu ofanelekileyo. Kukho ezinye iindlela ezimbalwa, kubandakanya IiNkqubo zoNcedo lwaMayeza kaRhulumente , Iinkqubo zokuNceda abaguli ngeenkampani ezahlukeneyo zamachiza, kunye namakhadi ezaphulelo ekhemesti, anje ngeSpecialCare. Ezi nkqubo zibalulekile kubamkeli abaninzi beMedare. Ukuba iindleko yinkxalabo yokufikelela kumayeza, iinkqubo zoncedo lwezigulana kunye neendleko ezisezantsi zeziyobisi zinokunceda ekuqinisekiseni abantu abaneMedicare ukubambelela kwiirejimeni zabo zamayeza kunye nokugcina impilo yabo ngelixa belinde ukuba babe nokulungela ukugubungela intlekele.

Ezinxulumene : Ndingayisebenzisa i-SingleCare ukuba ndikwi-Medicare?

I-singleCare ibonelela ngamalungu ukuya kuthi ga kwi-80% kumayeza amiselweyo. Awunakho ukusebenzisa i-SingleCare ngokudibeneyo nayo nayiphi na isicwangciso seMedicare. Nangona kunjalo, ungasebenzisa i-SingleCare endaweni ye-Medicare kwiimeko apho i-SingleCare ibonelela ngexabiso elingcono kwimimiselo yakho. Kulula ukukhangela ichiza lakho ngaphambi kokuba uye ekhemesti ukuze ubone ukuba loluphi ulondolozo. Ke, xa uhlawulela iziyobisi ngexesha lomngxunya wokukhupha imali, uyonga kwiindleko ezingaphandle kwepokotho.

Imigqaliselo ethengwe ngeSingleCare ayizukubala kumda wokugubungela, oya kukugcina kude okanye kumngxunya wokunikela ixesha elide. Ukuba yile nto ukhathazeke ngayo, i-SingleCare ikunika ukhetho lokonga imali kwimimiselo yamaxabiso asezantsi engazukukusondeza kumda wakho wokugubungela, ke kuya kufuneka uchithe imali kwimigqaliselo enexabiso eliphezulu ngesicwangciso sakho seMedicare. Eyona nto ibaluleke kakhulu, i-SingleCare ikhululekile ukuyisebenzisa-kwaye iya kuhlala ikhona.