Iimpawu zoMhlaza weMithi yeZigqibo kufuneka zenziwe ngamnye unyaka
Lezo zibalo zinokubonakala ziphakamileyo, kodwa iindaba ezilungileyo kubenzi bemali-mali kunye nabanikezeli benkonzo yempilo kukuba njengabantwana boomers abaneminyaka yobudala kwinkqubo yokunakekelwa kwempilo enikwe inkxaso karhulumente, abaxhamli be-Medicare baya kukhula kwinani kunye neemfuno.
Ngo-2030, ukubhaliswa kwe-Medicare kungafikelela okanye kudlulele kwizigidi ezingama-79 .
Ngaphezulu kweyiphi na isizathu, le nto ibalulekile kubagqirha ngenxa yokuba ngamnye umntu ofumana uncedo lweMedareri uya kuba isigulane nge- Medicare Part D yesigxina sokusetyenziswa kweziyobisi. Njengoko abantu bangena kwi-Medicare, banethuba lokukhetha isicwangciso seziyobisi zonyango, okanye iPPP, ukongeza kwiNgqungquthela A yabo yesigxina kunye neNgxenye B. Olunye ukhetho ukuba lubekwe kwi-Medicare Advantage coverage, ekwabizwa ngokuba yi-Medicare Part C, edibanisa iinkonzo zokunakekelwa kwempilo kumgaqo omnye.
Ukwenza ukukhethwa kwezibonelelo zeziyobisi ezahlukeneyo kunokudibanisa okanye kudibanise ezinye izigulane. Ngethamsanqa, oomasememori banokunceda abantu abadala kunye nezigulane ezikhubazekileyo zifumanise ezikhethileyo zeCandelo D.
Yazi Iiplani zaPhrojeki
Iiphemmacist ezisebenza kwindawo yokuhlala, ukunyamekelwa kwangexesha elide kunye nezicwangciso zesibhedlele zixhomekeke ngokukodwa ekuncedeni izigulane zihlele ngokusebenzisa i-Medicare Part D yazo.
Ukulungiselela ukubonelela nge-inshurensi yokucebisa, oomasempile kufuneka benze izinto ezimbini.
Okokuqala, oomasempile kufuneka baqonde ukuba bonke abaxhamliweyo beMedare bafuna olunye ulwazi kunye neengcebiso kwiCandelo D PDP ngamnye ngonyaka. Amasebe e-Medicare & Medicaid Services anika abaxhamli ithuba lokutshintsha izicwangciso zeziyobisi kanye emva kweenyanga ezili-12.
Vula ukubhalisa ukusukela ngo-Oktobha ukuya kuDisemba, kwaye izigulane ziyakushintsha kungakhathaliseki isizathu okanye ukuba zide kangakanani ne-PDP.
Okwesibini, oomasimmori kufuneka bahlole ukuba yiyiphi iCandelo D liceba iifommati okanye umgangatho owamkelayo. Ukukhetha ukwamkela i-PDP ngokukhawuleza kuyinkxalabo yecandelo le-pharmacy ezizimeleyo kunye nabacebisi, kodwa nawuphi na okhemisi othetha nezigulane malunga ne-Medicare Part D kufuneka akwazi ukuphendula okubalulekileyo, kwaye ngokuqinisekileyo ukuba abuze, umbuzo, "Ndingayisebenzisa na icebo apha ? "
Ukucebisa, Musa ukuqhuba
Ngokomthetho, oomasempile abanako ukucebisa isicwangciso esithile semithi yesigqirha kwisigulane seMedare. Ziziphi iifommisti ezinokuthi zenze kwaye zinceda ukuba izigulane zifumene ulwazi oluninzi olufanelekileyo, olungafanelekanga malunga neCandelo D njengokuba kunokwenzeka. Xa le nkcazelo ifunyenwe, oomasempile banokunceda izigulane zisebenzise imigaqo yokukhetha.
Isixhobo esisodwa esona sakhono sokufunda nge-Medicare PDPs yiCMS ye-Medicare Plan Finder. I-online guides users guys to answer questions that are designed to match their location, age, status and medication history to PDPs. Iziphumo ziquka ulwazi malunga neengqungquthela ze-Part D zenyanga kunye neentlawulo eziqhelekileyo ezihlawula ngamachiza kunye nokubonelelwa kweentsuku ezingama-30 okanye ezingama-90.
Izigulane kunye nabagqirha banokufumana le ngcaciso kwiCMS ngefowuni ngokubiza 1-800-MEDICARE (800-633-4227).
Abagqirha be-Pharmacists kufuneka bazimisele ukufumana iziphumo zePlani yePlani kunye nolwazi lwabo ngendlela amaPPP asebenza ngayo kunye namanye amava abaxhamliweyo kunye nezicwangciso ezikhoyo kunye noncwadi okanye ulwazi olusekelwe kwiwebhu kwiinkampani zomshuwalense ezilawula izicwangciso.
Iindleko Ziyodwa Enkxalabo
Abaxhamli be-Medicare, njengawuphi na isigulane, mhlawumbi baya kugxininisa kumgca xa beqwalasela ukuba yiyiphi inxenye yeCandelo D yokungena. Ama-Pharmacists kufuneka awandise oko kugxininiso, ngakumbi kuba ezinye zezicwangciso ezinikezelwayo zinokuthi zibe nama-premium aphantsi kakhulu, i-zero ezithintekayo kunye neyona nto ingekhoyo okanye ayikho imali ehlawulela amaninzi amaninzi.
Enye ingqalelo izigulane kufuneka zizithathele nokuba ngaba icebo lifumaneka kuphela apho bahlala khona okanye ukuba bangasebenzisa inzuzo kulo lonke elaseMelika.
I-CMS iqinisekisa ii-PDP zengingqi kunye nelizwe. Abantu abathi bahamba rhoqo okanye babe neendawo zokuhlala kwiindawo ezingaphezulu kweyodwa baya kulungiswa ngokufanelekileyo kwisicwangciso sesizwe.
Izigulana nazo zifuna ukuqonda ukuba yonke imithi "ekhululekile" ayinikezwa ngokulinganayo. Zininzi izicwangciso zinika iiprayimari eziphantsi kwaye zihlawulela izigulane ezifumana imiyalelo ezaliswe kwaye zinikezwa ngee-pharmacy zenkonzo zeposi. Izigulane ezikhetha iifomasta zasekuhlaleni zingafuneka zamkele iindleko eziphezulu eziphezulu.
Ezona zigulane ezibalulekileyo ezifunekayo kuthathe ukuthatha yileyiphi imishanguzo isicwangciso esiphephayo. Ukuze ufaneleke njenge-PDP evunyiweyo ye-CMS, isicwangciso sezilwanyana kufuneka sibe nefomula ebandakanya inani elincinci lemithi kwiinkalo zonyango. Uhlobo lwe-Medicare Part D olusezantsi lubanzi kakhulu, nangona kunjalo.
IsiCwangciso soPhuculo siya kubuya uluhlu lwezicwangciso zeCandelo D ezineemigqaliselo yangoku yezigulane kwi-formulary, kodwa izicwangciso ngasinye zingenakufaneleka ukuhlangabezana neemfuno zokunakekelwa kwempilo yegulane. Ukufumana i-pharmist, oku kuthetha ukuba ukuvavanya isigulane kubalulekile njengoko kuhlolwa isicwangciso xa unikezela ngcebiso malunga nendlela yokukhetha iPPP.