Iyintoni i-Donut Hole kwiNgcaciso yeMicrosoft?
I-Donut Hole iyona mgca wokungena kwi- Medicare Plan D izicwangciso zezilwanyana zonyango apho unomkhawulo-mali kwaye uhlawule ngaphezulu kwipokhethi yakho kwimithi yakho yesigqirha uze ufike kumda kwi-gap.
Xa wena kunye nesicwangciso sakho sele usebenzise amaRandi ayi-3 700 kwiimveliso ezigqithisiweyo; ichazwe njengexabiso elipheleleyo elidibene kunye nesicwangciso sakho esiyihlawuleyo, sakho sichithwa kwaye uhlawula imali, ngoko uwela kwizinto ezibizwa ngokuba yiDonut Hole okanye i-gap.
Imali ngu-3700 ngo-2017 xa kuthelekiswa ne-2830 yee-2010 ngo-2010 phambi koNcedo lwezeMpilo. Isixa sashintsha unyaka unyaka.
Umzekelo woMyinge weMilinganiselo kunye neZithintelo zeDonut Hole
| Umyinge | 2018 | 2017 | 2016 | 2015 | 2014 | 2010 |
|---|---|---|---|---|---|---|
| Deductible | $ 405 | $ 400 | $ 360 | $ 320 | $ 310 | $ 310 |
| I-Threshold Xa Ufikelela kwi-Donut Hole Value | $ 3,750 | $ 3,700 | $ 3,310 | $ 2,960 | $ 2,850 | $ 2,830 |
| Ukukhusela apho Uvela kwiDonut Hole kunye noPhulo olubi | $ 5,000 | $ 4,950 | $ 4,850 | $ 4,700 | $ 4,550 | $ 4,550 |
> * Idatha etafileni eguqulelwe ukusuka kwiQ1 Group LLC " 2018-2006 i-Medicare Part D Standard Benefit Model Model Parameters" enika iphepha lokunika ulwazi olupheleleyo ngokupheleleyo ngo-2006.
UMthetho weNkqubo yoLondolozo lwezeMpilo ka-2010 unikeze umthetho onceda ukuzisa iindleko ngokunyusa umyinge apho i-gap yokukhawulela iqala kwaye iyancipha inani elihlawulwe ngexesha leDonut Hole.
Ngokomzekelo, ngowama-2016, uhlawule iipesenti ezingama-45 kwi-generic kunye ne-58 ekhulwini kwigama legama lomhlaza eligqitywe ngamachiza, ngowama- 2020 kuya kuba ngama-25 ekhulwini.
Okwangoku, njengoko uza kubona kwimimiselo engezantsi, ngowama-2017 indleko ngama-40 ekhulwini kwigama lomenzi kunye nama-51 ekhulwini kwi-generic.
I-Donut Hole isebenza njani kwi-Medicare kwiCandelo D?
I-Medicare inxalenye ye-D iyasebenza ngokubonelela ngokukhawuleza ukuya kumda ochaziweyo. isebenza kwizigaba ezintathu.
- Okokuqala, uhlawula kwi-pocket 100 kwipesenti de ufike kwisicwangciso sakho.
- Emva koko xa uhlawule imimiselo yakho ukuya kutshatyalaliswa kwipolisi yakho, uhlawula ipesenti ethile yeendleko zakho zonyango, kunye ne-Medicare ihlawula lonke.
- Xa isixa-mali semali yesigqirha sesigqirha sifinyelela kuma-3,700, ngoko uhlala kwisithuba se- Donut Hole . Ukuba wena kunye nesicwangciso sakho sokukhawuleza awufikeli iindleko zee-3,700 zamaRandi, ngoko awuyi kushaya iDonut Hole.
- Ukuba utshaya iDonut Hole, ngoko uya kuba noxanduva lwepesenti eziphezulu zeendleko zedakamizwa yakho kuze kube yilapho ubetha ubuninzi bezithintelo zendleko. Ngomhla we-2017 umda ngu-4,950 weedola kwiindleko zonyango. Emva kokuba ushawule lo mda, ngoko uphuma kwiDonut Hole, kunye neNgcaciso yeMeko esichazayo ngezantsi. Kodwa ngaphambi kokuba sifike apho, makhe sixoxe ngokufumana izaphulelo, ukuba i-premium isebenza njani kwaye yimalini inani kumlinganiselo.
Ngaba Uhlala Uhlawula I-Premium yakho Xa ku-Gap?
Ewe, kufuneka uhlawule i-premium yakho nangona ufikelele kwi-gap. I-premium ihlawulwa ngexesha lonke lekota. Ukuba kuDonut Hole akuthethi ukuba awufihliwe, kuthetha ukuba uye wafikelela kumda kwi-khontrakthi yakho ye-inshurensi efuna ukuba uhlawule uze ufike kumda we-$ 4,950.
Kumele uhlawule iiprayimari zakho zenyanga ngenyanga yonke okanye unyaka wokubhengezwa. I-premium ohlawulayo ayikho njengenxalenye yomda wokuphuma kwipokethi.
Ziziphi izixa-mali ezibala kwiDonut Hole okanye kwiGap Gap?
Ngokutsho kweMedareare.gov, ezi zinto zilandelayo ziya kubala ekuzaliseni i-gap:
- Deductible
- Coinsurance
- Iintlawulo zentsebenziswano
- Izaphulelo ozifumanayo kwiidakamizwa zamagama egama
- Isixa osihlawulayo esikhwameni kwi-gap yokubhengezwa kweziyobisi ezifakwe.
- Iintlawulo zamachiza enziwe egameni lakho ngumntu wesithathu onjengomhlobo, ilungu losapho okanye iqela elinobubele, umzekelo.
Oku kulandelayo akubalanga:
- iiprayimari ozihlawulayo ukufumana ingxelo
- iirhafu ozihlawulayo ephaketheni kwiziyobisi ezingagqithwanga
- ukuthengwa kwezilwanyana ngaphandle kwekhredithi yakho yomnxeba
- ukubaluleka kwezidakamizwa zamahhala, njengalezo zifunyenwe mahhala kumgqirha wakho njengezampulu
- Iindleko zonyango ezithengwa kumazwe angaphandle nazo zingabandakanywa
Ngaba Ubungakanani bobuhlobo obuhlukeneyo ngegama leBrith Name iDrugs kunye neeDrugs?
Kubalulekile ukuphawula ukuba umehluko phakathi kwemigqaliselo yendlela yokwenza izidakamizwa zamagama kunye negama legama lonyango kwaye igalelo ekuphumeni kweendleko zeefowuni kufuna ukufikelela kwizinto ezimbi.
Imizekelo yegama leBrithani nge-Generic Drug Costs kwi-Donut Hole Coverage Gap
- UJeff uya kwisicwangciso samaphemathi esetyenzisiweyo senethiwekhi ukuzalisa isigunyaziso kwaye ufumana isicatshulwa esiqhelekileyo ngelixa esesigabeni sokufikelela. Ixabiso leziyobisi li-$ 50 kwaye intlawulo yekhemistri i-$ 2. Kumele akhokhe i-51 ekhulwini ye-$ 52 elingana nama-26.52. Le mali iya kubalwa ekuphumeni kwayo kwenkcitho kwaye iya kuba negalelo kwixabiso elithengiswayo ukuze lincede ukuba aphume kwinqabana.
- UJane uya kwisicwangciso samaphemathi esetyenzisiweyo senethiwekhi ukuzalisa isigunyaziso segama elibizwa ngegama lomhlaza . Usuke wafikelela kwisithuba sokungena kwisicwangciso sakhe. Iyeza libiza i-$ 50 kwaye imali ye-pharmacy yi-$ 2. UJane ufanele ahlawule iipesenti ezingama-40 zeendleko kuba usekuhlaleni kwithuba kwaye le mali ingumgama wegama lomenzi. Amaphesenti angama-40 e $ 52 yi $ 20.80. Umenzi wabuye wahlawula inxalenye yeendleko ngeentlawulo zokuhlawula. Ngokomzekelo, ukuba isixa sokuphuhlisa sasiyi-$ 30, nangona iJane kuphela ikhokhela i-$ 20.80 kweso sonyango, imali ehlawulwayo yonyango kuye, kwaye umenzi uza kuba yi-$ 20.80. kuquka i-$ 30, ngoko i-$ 50.80 iya kubalelwa kuye kwindleko yokusetyenziswa kwemali kwaye iya kuba negalelo kwixabiso elithengiswayo lokumnceda ukuba aphume kwi-gap.
I-Tip ebalulekileyo: Njalo qiniseka ukuba ukhemisi owukhethayo liwela kwinethiwekhi yakho yokunakekelwa kwempilo okanye uvumelekile ukuba ungabholwa.
Ukufumana izaphulelo kwiMithi kwiDonut Hole
Ukufumana izaphulelo kwiidakamizwa ngamagama ebalulekileyo kubaluleke kakhulu kukukunceda ukuba uphume kwiDonut Hole kwaye ugcine imali ngokukhawuleza. Iminikelo yomenzi ngendlela ye "izaphulelo" kwigama lomenzi wegama lonyango libala kwiimali ezongeziweyo ukuba "ziphume kwiDonut Hole". Kufuneka uqiniseke ukuba ufumana iiphulophu onelungelo lakho kwiyeza lonyango, njengoko ungayibona kwimimandla esasisentla.
Unokufumana ulwazi malunga nezaphulelo kwiNkcazo yakho yeNyanga yeeNzuzo. Ukuba awunaso isaphulelo kwisicwangciso sakho okanye awukwazi ukuyifumana, unokucela omnye okanye ufumane ngaphezulu ngokuqhagamshelana nesicwangciso sakho. Ukuba unomuvo wokuba ufanele ufumane isaphulelo, kodwa isicwangciso sakho sithi awunelungelo lomnye, unakho ukhetho lokufaka isikhalazo.
Kutheni kuthengwa iSicwangciso soMthombo kubalulekile ekugcineni iMali
Unyaka ngamnye umgcini-bhorensi ubuyekeze amazinga, ngaphezu koko, imeko yakho ingatshintshwa unyaka unyaka. Abantu abaninzi bacinga ukuba banamanani alungileyo kunyaka omnye, bafumana isicwangciso sezempilo esingcono kakhulu sokuvuselela, Oku akunjalo. Njengoko i-insurers iphinda ihlaziywe iipriyamu onokuwela kuyo ukuhlawula ngaphezu kokuba ufanele ukuhlawula, kwaye ukuba unenkxalabo malunga nemali onokuyilahleka xa ushaya i-gap ye-Donut Hole yokukhawulela, kufuneka kwakhona ujonge ukuthatha ixesha lokuhlaziya zonke iinketho zakho. . Ukuthengwa kunokukugcina ikhulu leedola, kukufanelekile ingxaki. Nantsi isibonelelo esihle kakhulu kukukunceda uqhathanise amanani e-Medicare Plan D efumaneka kwi-intanethi.
Ungayigcina njani Imali kwiindleko zeeDrug?
- Ngokucela ugqirha ukuba kukho izidakamizwa ezingabizi okanye ukufumana ezinye iindlela zokusetyenziswa kweziyobisi ezinokungabibizi kangako ngaphambi kokuba ufikelele kwisithuba sokukhawuleza siyakulibaziseka ngokukhawuleza ukuba ufikelele kangakanani kwi-gap yokugcina kwaye uza kugcina imali.
- Njalo qinisekisa ukuba nayiphi na isicatshulwa esinqunyiwe kuwe ifakwe kwisicwangciso sakho.
Kwinqaku lethu ekugcineni iMali kwiSicwangciso se-Intshumo yezeMpilo , sinikeza inani leengcebiso zokugcina imali kwizicwangciso zonyango lwempilo kunye neziyobisi zonyango. UCainlin Donovan, uMlawuli woPhulo lwezeMpilo kunye neMicimbi yoluntu kwi-National Advocate Foundation Foundation uthetha ukuyothenga i-inshurensi yakho yempilo kwaye uhlola zonke izinto ozikhethayo. Wanikela le ngcebiso ukuze ancede ukusindisa kwizicwangciso zeziyobisi zonyango:
"Hlola iifommethi ezahlukeneyo ukuze ubone ukuba ubani othe wenyuka ixabiso eliphezulu lomyalelo wakho. Ukuba uwela ngaphantsi kwinqanaba elithile lemali engenayo, umenzi angaba nenkqubo ukuba akuncede ufikelele kuloo mayeza."
Ngaba Unokuyiphepha i-Gap kwi-Medicare Part D?
Akunjalo wonke umntu kwi-Medicare Part D uza kutshitshisa iDonut Hole, abantu abafanelekele iinkqubo zongezelelweyo zoncedo abanakho ukuhlawula kwiDonut Hole. "Uncedo olongezelelweyo luncedo" okanye "uncedo oluthile olongezelelweyo" lunokunceda abantu bagcine imali ngokukodwa xa besesibini esincinci. Unokufunda ngakumbi malunga nalokhu kwiziko likaRhulumente apha: I-Medicare Uncedo olongezelelweyo lweCandelo D
Yintoni Eyona Miphumo Yentlekele?
Inkcazo enobungozi isigaba kwi-Medicare coverage Ingxenye D - iPlani yeDranscription Plan emva kokuba ufike emngceleni weDonut Hole. Isitatimende sakho senyanga siya kugcina umkhondo wendlela oye uyihlawula ngayo kwi-gap. Emva koko xa usifikelele umda wakho kwaye ufikelele kwisiCwangciso soMngcipheko sakho siza kuqala ukufaka isandla esikhulu. Ngokuxhomekeka nokuba usebenzisa i-generic okanye igama lomenzi wegama, njengomzekelo, unokukhangela ukuhlawula i-% engama-5 ephaketheni, xa kuthelekiswa nemimiselo engentla apho ukhokhe i-40 ekhulwini okanye i-51 ekhulwini kwiindleko xa wena useDonut Hole. Isicwangciso sakho siya kuhlawula iipesenti ezingama-95 xa usesikhatyweni esiyingozi. Khangela iinkcukacha zesicwangciso sakho sengozi esichengeni kwisicwangciso sakho esithile kunye nesimo sengxelo.
Ukugcina Imali Xa Ubhalisa kwi- Medicare Coverage ye-Drug Plan Part D
Kubalulekile ukubhalisa kwiNgxelo ye- Medicare Part D ngexesha elifanayo ubhalisa kwiCandelo B. Oku kuya kukunceda ukuphepha isigwebo. Ukuba ubhalisa ngokukhawuleza okanye uphelelwe ixesha lokubhalisa uya kuhlawula iiprayimari ezongezelelweyo njengenxalenye yecala le-Part D.
Kuthiwani Ukuba Awufuni Ukuhlawula Isohlwayo? Ingaba iSahlulelo D seNkundla singasuswa okanye sisuswe?
Ukuba unyanzelekile ukuba uhlawule isigwebo kwi-Medicare Part D yakho, uya kuxelwa malunga nayo kwaye isigwebo siba yinxenye yeeprayimari. Uya kufuneka uhlawule ukuba ufuna ukuthatha inxaxheba kwisicwangciso. Nangona kunjalo, ukuba unomuvo wokuthi akufanele uhlawule isohlwayo, unakho ukhetho lokufaka isicelo sokuhlawulwa kwakhona. Ikontraka ye- Medicare iya kuhlaziya isigqibo sabo ngezizathu kunye nenkcazelo exhasekileyo owanikezela ngayo isizathu sokuba akufanele uhlawule isohlwayo kwaye uya kufumana isigqibo sokuqwalasela kwakhona. Ukuqwalasela kwakhona akuyiyo isigqibo esisisigqibo, kuya kuthatha ixesha. Emva kokuba isigqibo senziwe uya kufumana isaziso ekucebisa ngesigqibo. Uya kufuneka uhlawule isohlwayo ngelixa ulinde isigqibo sokwenziwa.
I-Medicare Ingxenye yeDal Penalty Ukuqwalaselwa kwakhona
Ukuba isigqibo emva kokuqwalaselwa kwakhona sigcinwe, kwaye isohlwayo asisuswanga, kufuneka uhlawule isohlwayo njengenxalenye ye-premium yakho.
Ukuba isigqibo emva kokuphonononga kwakhona kukuba akufanele uhlawule isohlwayo, ngoko uya kufumana isaziso esichaza izibalo ezintsha. ISikontrakta sakho seMicrosoft sinokugqiba isigqibo sokuba yonke isohlwayo ayiphutha, okanye inxalenye yayo kuphela. Ukuze ufumane isigqibo sabo ngokubhaliweyo, kuya kufuneka uqhubeke nokuhlawula iiprimishamu ozivumelene ngazo xa usayine. Ileta oyifumanayo ichaza isigqibo iya kubeka iindleko ezintsha kunye ne-premium ehlaziyiweyo emva kokuba iComputer Contractor ihlolisise ifayile.
Ukuqonda Iikhompyutheni zeeNtsholongwane zezeMpilo kwiProgram yakho yeMichiza: Zimbalwa izibonelelo ezizezinye
Ukuba udinga uncedo ekuqondeni ukhetho lwakho lweMedare okanye iiNkcitho zeDranscription Drug, unokuqwalasela kwakhona:
- Ukuqhagamshelana neNkqubo yoNcedo lweNkxaso ye-Intshumo yeNtshona Koloni, onokukunika ulwazi ngoluntu lwasekhaya olukwazi ukukunceda.
- Thelekisa iindleko zeeMvavanyo zeCandelo le-Medicare ze-D eline-intanethi ukuze uhlale phezu kwexabiso kunye neepriyamu ezinokufumaneka kuwe.
- Funda malunga nokuba urhulumente wakho unesiCwangciso soNcedo loMachiza ukukunceda.
- ISigqeba soMmeli weSizwe sikaMguli unikeza uluhlu lweewebhu zokunceda izigulane, kubandakanywa enye kwi-Meditation Medication kunye neeDrug.
Eli nqaku linikezela ngolwazi jikelele ngokukunika izibonelelo kwaye kukunceda uqonde iingcamango zesigcaziso kunye ne "Donut Hole", kuphela isikhokelo. Nceda qinisekisa kwaye uhlolisise ummeli wakho ojongene nomsebenzi okanye umthengisi welayisenisi okanye umthengisi ngeemeko ezichanekileyo kunye nemida yokunikwa kwezilwanyana zonyango kunye nendlela eya kusebenza ngayo imeko yakho.