ʻO kāu alakaʻi piha i ka Medicare Part D

Anter

• He aha ka Medicare Part D?
• ʻO nā mea wikiwiki e pili ana iā Medicare Part D
• He aha nā lāʻau i uhi ʻia i Medicare Part D?
• He aha ka ʻāpana D e pono ai e uhi
• No ke aha ʻoe e makemake ai iā Medicare Part D
• ʻO wai ka mea i kūpono no Medicare Part D?
• He aha nā hoʻolālā Medicare Part D e loaʻa ai?
• Ehia nā kumukūʻai o Medicare Part D?
• He aha ka lua donat?
• Nā nīnau e nīnau ai ma mua o ke kākau inoa ʻana i Medicare Part D
• Pehea e hoʻohālikelike ai ʻo Medicare Part D me nā hoʻolālā ʻē aʻe?
• Nā ʻōlelo aʻoaʻo no ke koho ʻana i kahi hoʻolālā
• Āhea ʻoe e kākau inoa ai i ka Medicare Part D?
• Aia paha kahi hoʻopaʻi kūpaʻa inā kau lohi ʻoe?
• Pehea e kākau inoa ai ma Medicare Part D
• ʻO ka lawe lawe ʻana

• ʻO Medicare ʻĀpana D ka laʻau lāʻau kuhikuhi a Medicare.
• Hiki iā ʻoe ke kūʻai i kahi hoʻolālā Medicare Part D inā kūpono ʻoe no Medicare.
• Loaʻa i kahi papa ʻo D kahi papa inoa o nā lāʻau i uhi ʻia i kapa ʻia he formulary, no laila hiki iā ʻoe ke ʻike inā uhi kahi hoʻolālā i kāu kuhikuhi.
• Hoʻokomo ʻia kekahi mau papahana Medicare Part D i nā hoʻolālā Medicare Advantage.

Ke koho nei i ka hoʻolālā Medicare kūpono he mea nui. Me nā koho laulā ʻokoʻa, copay, premiums, a me nā deductibles, hiki ke hoʻonāukiuki ke ʻike i kāu koho ʻoi loa.

ʻO Medicare kahi hoʻolālā ʻinikua olakino kālā ʻia e ke aupuni no ka poʻe 65 a ʻoi i ka United States. He mau ʻāpana kāna i uhi i nā ʻano ʻano like ʻole o ke olakino a me nā kumukūʻai.

He aha ka Medicare Part D?

ʻO Medicare Māhele D kekahi i kapa ʻia ʻo Medicare ka lāʻau lapaʻau kuhikuhi. Kōkua ia i ka uku no nā lāʻau i uhi ʻole ʻia i nā ʻāpana A a me B.

ʻOiai ke aupuni pekelala e uku nei he 75 pākēneka o nā kumukūʻai lāʻau no ka ʻĀpana D, pono nō e uku nā kānaka i uhi ʻia i nā uku, nā copay, a me nā unuhi.

Hiki ke ʻokoʻa ka uhi a me nā helu ma muli o ka hoʻolālā āu e koho ai. He mea nui e nānā i nā koho āpau ma mua o ke koho ʻana i kahi hoʻolālā Medicare Part D.

ʻO nā mea wikiwiki e pili ana iā Medicare Part D

• He papa hana hoʻopōmaikaʻi lāʻau lapaʻau ia no ka poʻe i kūpono no Medicare.
• Pono ʻoe e kākau inoa ʻia i ka Medicare Part A a i ʻole ʻĀpana B e hiki ai ke koho.
• Koho ka laulā Medicare Part D.
• Pono ʻoe e kākau inoa ma ka ʻāpana D ma waena o ʻOkakopa 15 a me Kekemapa 7. ʻAʻole kūloko ka ʻikena a pili paha nā hoʻopaʻi no ke kākau inoa ʻana.
• Loaʻa ke kōkua kākau inoa mokuʻāina.
• Hoʻokumu ʻia nā lāʻau i uhi ʻia i nā formulary pākahi (papa inoa o nā lāʻau i uhi ʻia).

He aha nā lāʻau i uhi ʻia i Medicare Part D?

Pono nā hoʻolālā āpau e uhi i nā lāʻau lapaʻau "maʻamau" i hoʻoholo ʻia e Medicare. Hoʻokumu ʻia ka uhi ʻana ma ka mea a ka hapa nui o ka poʻe ma Medicare e lawe nei. He papa inoa ko kēlā me kēia papa hana o nā lāʻau i uhi ʻia e ka hoʻolālā.

Uhi ka hapanui o nā hoʻolālā i ka hapa nui o nā lāʻau āpau me ka ʻole o ka copay.

He mea nui ke koho ʻana i kahi hoʻolālā Medicare Part D e hōʻoia i ka uhi ʻia o nā lāʻau āu e lawe ai. He mea nui loa kēia inā lawe ʻoe i kekahi loea a i ʻole nā ​​lāʻau lapaʻau inoa inoa inoa kiʻekiʻe.

Loaʻa i nā hoʻolālā āpau ma ka liʻiliʻi he ʻelua a ʻoi aku ka nui o nā lāʻau hou aʻe mai nā papa lāʻau a me nā ʻāpana i kuhikuhi ʻia.

Inā kuhikuhi kāu kauka i kahi lāʻau ʻaʻole ma ka papa inoa, pono lākou e wehewehe i ke kumu e pono ai kahi ʻokoʻa. Pono ʻo Medicare i kahi leka kūikawā i ka ʻoihana inikua e wehewehe nei i ke kumu e koi ʻia ai ka lāʻau. ʻAʻohe mea hōʻoia e ʻae ʻia ka ʻokoʻa. Hoʻoholo pākahi ʻia kēlā me kēia hihia.

E hoʻomaka ana ma Ianuali 1, 2021, inā ʻoe e lawe i ka insulin, hiki i kāu insulin ke uku ʻia ma $ 35 a i ʻole ka liʻiliʻi no kahi lako o 30 lā. E hoʻohana iā Medicare's loaʻa i kahi pono hana e hoʻohālikelike i nā hoʻolālā Medicare Part D a me nā kumukūʻai insulin i kou mokuʻāina. Hiki iā ʻoe ke kākau inoa i kahi papahana D ma ka wā o ke kākau inoa hāmama (ʻOkakopa 15 a i Kekemapa 7).

Hiki i kahi hoʻolālā lāʻau ke hoʻololi i nā lāʻau a i ʻole ke kumu kūʻai ma kā lākou papa inoa i kēlā me kēia manawa no nā kumu he nui, e like me:

• loaʻa kahi generic o kahi mana
• e loli paha ke kumu kūʻai inā loaʻa kahi generic
• ua loaʻa kahi lāʻau hou a i ʻole aia he ʻikepili hou e pili ana i kēia lapaʻau a lāʻau paha

He aha ka ʻāpana D e pono ai e uhi

Pono nā papahana ʻĀpana D e uhi i nā lāʻau āpau i kēia ʻano:

• lāʻau lapaʻau mālama maʻi ʻaʻai
• lāʻau lapaʻau antidepressant
• nā lāʻau lapaʻau anticonvulsive no nā maʻi hopu
• lāʻau hoʻomalu pale pale
• Nā lāʻau HIV / AIDS
• lāʻau lapaʻau antipsychotic

Ma luna o nā lāʻau kūʻai, nā wikamina, nā mea hoʻopiha, nā mea hoʻonani, a me nā lāʻau hōʻemi kaumaha ʻaʻole uhi ʻia e ka ʻāpana D.

Nā lāʻau lapaʻau ʻaʻole uhi ʻia e Medicare Part D pū:

• lāʻau hoʻolauna
• nā lāʻau i hoʻohana ʻia e mālama i ka anorexia a i ʻole ka pohō kaumaha a i ʻole loaʻa ke loaʻa ʻole kēia mau ʻano i kahi ʻike ʻē aʻe
• nā lāʻau i kau wale ʻia no ka hana cosmetic a i ʻole ka ulu ʻana o ka lauoho
• nā lāʻau i kuhikuhi ʻia no ke kōkua ʻana i ke anuanu a me nā hōʻailona kūpē ke ʻole kēia mau ʻōuli kahi ʻāpana o kahi hōʻailona ʻē aʻe
• nā lāʻau i hoʻohana ʻia e mālama i ka hana erectile

No ke aha ʻoe e makemake ai iā Medicare Part D

He pipiʻi nā lāʻau a piʻi mau nā kumukūʻai. Wahi a nā Kikowaena no Medicare a me Medicaid (CMS), ua piʻi ka hoʻolilo kālā ʻana no nā lāʻau lapaʻau ma ka awelika 10.6 pakeneka i kēlā me kēia makahiki ma waena o 2013 a me 2017.

Inā ʻoe e huli i ka makahiki 65 a kūpono i Medicare, ʻo ka ʻāpana D kekahi koho e kōkua i ka uhi ʻana i ke kumukūʻai o nā lāʻau lapaʻau.

ʻO wai ka mea i kūpono no Medicare Part D?

Inā kūpono ʻoe no Medicare, kūpono ʻoe i ka ʻĀpana D. I mea e kūpono ai no Medicare, pono ʻoe:

• ma ka liʻiliʻi he 65 mau makahiki
• ua loaʻa nā uku kīnā o ka Social Security no 2 mau makahiki, ʻoiai ua haʻalele ʻia kēia wā kali ke loaʻa ʻoe i kahi hōʻailona o ka amyotrophic lateral sclerosis (ALS) a e koho ʻia i ka mahina mua e loaʻa iā ʻoe kahi uku kīnā.
• ua loaʻa i kahi kuhi o ka maʻi hōʻeha hope loa (ESRD) a i ʻole ʻole nā ​​puʻukū a pono e loaʻa ka dialysis a i ʻole ke kuʻi ʻōiwi.
• aia ma lalo o 20 mau makahiki me ESRD a ma ka liʻiliʻi he hoʻokahi makua i kūpono i nā pono mālama ola

He aha nā hoʻolālā Medicare Part D e loaʻa ai?

Aia he mau haneli hoʻolālā e koho mai ka hāʻawi ʻia e nā ʻoihana ʻinikua pilikino. Hiki i nā hoʻolālā ke hāʻawi i ka lāʻau lapaʻau a i ʻole nā ​​koho e uhi ana i nā lawelawe ʻoi aku e like me Medicare Advantage.

ʻO ka hoʻolālā maikaʻi loa nāu e pili ana:

• nā lāʻau āu e lawe ai i kēia manawa
• nā kūlana olakino maʻamau āu
• ehia mau kālā āu e makemake ai e uku (premiums, copays, deductibles)
• inā ʻoe e pono i nā lāʻau i uhi ʻia
• inā ʻoe e noho i nā mokuʻāina ʻokoʻa i ka makahiki

Ehia nā kumukūʻai o Medicare Part D?

Pili nā kumukūʻai i ka hoʻolālā āu e koho ai, ka uhi ʻana, a me nā kumukūʻai o waho o ka ʻeke. ʻO nā kumu ʻē aʻe e pili i nā mea āu e uku ai:

• kou wahi a me nā hoʻolālā i loaʻa i kāu wahi
• ke ʻano o ka uhi āu e makemake ai
• Ua kapa ʻia nā hakahaka ʻo ka puka donut
• kou loaʻa kālā, ka mea hiki ke hoʻoholo i kāu uku

Pili pū nā kumukūʻai i nā lāʻau lapaʻau a me nā pae hoʻolālā a i ʻole nā ​​"tiers." ʻO ke kumukūʻai o kāu mau lāʻau i ka pae o kāu mau lāʻau i hāʻule ai. ʻO ka haʻahaʻa o ka pae, a inā he generic lākou, e hoʻohaʻahaʻa ka copay a me ke kumukūʻai.

Eia kekahi mau laʻana o ke kumukūʻai kālā no ka mahina Medicare no D.

• Nu Ioka, NY: $ 7.50- $ 94.80
• Atlanta, GA: $ 7.30– $ 94.20
• Dallas, TX: $ 7.30– $ 154.70
• Des Moines, IA: $ 7.30– $ 104.70
• Los Angeles, CA: $ 7.20– $ 130.40

E pili ana kāu mau kumukūʻai kikoʻī i kou wahi e noho ai, ke kumumanaʻo āu e koho ai, a me nā lāʻau lapaʻau āu e lawe nei.

He aha ka lua donat?

ʻO ka lua donut kahi āpau uhi e hoʻomaka ana ma hope o kou hala ʻana i ka palena palena mua o kāu mahele ʻo D D. Heluhelu kāu mau unuhi a me nā copayments i kēia palena palena, e like me ka mea a Medicare e uku ai. I 2021, ka palena mua o ka uhi ʻana $ 4,130.

Ke hana nei ke aupuni pekelala e hoʻopau i kēia āpau a, e like me Medicare, e uku wale ʻoe i ka 25 pākēneka o ke kumukūʻai o nā lāʻau i uhi ʻia ke aia ʻoe i ke āpau uhi ma 2021.

Aia kekahi he 70 pākēneka uku ho'ēmi no nā inoa inoa inoa inoa ʻoiai ʻoe i loko o ka lua donut e kōkua i ke kumu kūʻai.

I ka manawa i hōʻea ai kāu mau lilo ma waho o ka ʻeke i kekahi nui, $ 6,550 i 2021, kūpono ʻoe no ka uhi pōʻino. Ma hope o kēia, e uku wale ʻoe i 5 pakeneka copay no kāu mau lāʻau i kuhikuhi ʻia no ke koena o ka makahiki.

Nā nīnau e nīnau ai ma mua o ke kākau inoa ʻana i Medicare Part D

Ke hoʻoholo nei i kahi hoʻolālā, e hoʻomanaʻo i kēia mau helu:

• Ua uhi ʻia nā lāʻau lapaʻau aʻu e lawe nei i kēia manawa?
• He aha ke kumukūʻai o kaʻu mau lāʻau i kēlā me kēia mahina ma ka hoʻolālā?
• Ehia nā kumukūʻai i uhi ʻole ʻia ma ka papahana?
• He aha nā kumukūʻai mai waho o ka ʻeke: copay, premium, a me nā deductibles?
• Hāʻawi ke kumumanaʻo i kahi keu no nā lāʻau lapaʻau kiʻekiʻe kiʻekiʻe?
• Aia kekahi mau palena uhi e hiki ke hoʻopili iaʻu?
• Loaʻa iaʻu kahi koho o nā hale kūʻai lāʻau?
• He aha inā wau e noho i kahi ʻoi aku ma mua o hoʻokahi wahi i ka makahiki?
• Hāʻawi ka hoʻolālā i ka uhi multistate?
• Aia paha he koho leka uila?
• He aha ka helu pālākiō o ka hoʻolālā?
• Aia kekahi lawelawe mea kūʻai aku me ka hoʻolālā?

Pehea e hoʻohālikelike ai ʻo Medicare Part D me nā hoʻolālā ʻē aʻe?

Aia kekahi mau koho ʻē aʻe e kiʻi i ka uhi lāʻau lapaʻau.

Aia ke kumukūʻai i kāu mau lāʻau, ka papa inoa lāʻau o ka hoʻolālā, a me nā kumukūʻai o waho o ka ʻeke. He manaʻo maikaʻi e hoʻohālikelike i nā hoʻolālā e koho i kahi koho maikaʻi loa nāu, a Medicare papa inoa i nā hui e kōkua iā ʻoe e koho ma muli o kāu mokuʻāina.

I kekahi manawa kūpono ke hoʻololi i nā hoʻolālā a mālama i kāu kālā. Hiki i nā mea kōkua Medicare ke alakaʻi iā ʻoe i ka hoʻoholo ʻana inā ʻoi aku ka maikaʻi o kahi hoʻolālā ʻē aʻe ma mua o Original Medicare me Part D.

Nā ʻōlelo aʻoaʻo no ke koho ʻana i kahi hoʻolālā

Eia kekahi mau kiko e hoʻomanaʻo i ke koho ʻana i kahi hoʻolālā:

• Nā kānāwai no ka hoʻololi ʻana i nā hoʻolālā. Hiki iā ʻoe ke hoʻololi i nā hoʻolālā lāʻau i kekahi mau manawa a ma lalo o kekahi mau ʻano.
• Nā koho no ka poʻe kūpuna. Inā he kūpuna ʻoe, ʻo TRICARE ka papahana VA a ʻoi aku ka nui o ke kumu kūʻai ma mua o ka Medicare Part D plan.
• Nā hoʻolālā kuhikuhi a ka luna hana. E hōʻoia e ʻike i ka mea i uhi ʻia e nā hoʻolālā olakino o kāu luna e hoʻoholo ai i nā kumukūʻai ma waho o ka ʻeke ke hoʻohālikelike ʻia me kahi papahana Part D.
• Nā hoʻolālā Medicare Advantage (MA). Hoʻolālā kekahi mau hui mālama ola (HMO) a i ʻole nā ​​ʻoihana ʻoihana ʻoi aku ka makemake (PPO) Medicare Advantage i nā kumukūʻai no nā ʻāpana A, B, a me D, a uku paha lākou no ka mālama niho a me ka ʻike maka. E hoʻomanaʻo, pono nō ʻoe e kau inoa ma nā ʻāpana A a me B.
• Hiki ke loli ke ʻano o ka uku mua a me ka uku o waho. Hiki iā ʻoe ke hoʻohālikelike i nā hoʻolālā e ʻike i nā mea e hāʻawi iā ʻoe i ka uhi ʻoi loa no kāu lāʻau a me nā pono olakino. Loaʻa i nā hoʻolālā Medicare Advantage nā kauka pūnaewele a me nā hale kūʻai. E hōʻoia e hōʻoia i kāu lawelawe olakino i ka papahana.
• Nā hoʻolālā Medigap. Kōkua ʻo Medigap (ʻInikua kōkua Medicare) i ka uku ʻana no nā koina waho o ka ʻeke. Inā ua kūʻai ʻoe i kāu hoʻolālā ma mua o Ianuali 1, 2006, loaʻa paha iā ʻoe kahi lāʻau lapaʻau kuhikuhi. Ma hope o kēia lā, ʻaʻole hāʻawi ʻo Medigap i ka uhi lāʻau.
• Medicaid. Inā loaʻa iā Medicaid, ke lilo ʻoe i mea pono no Medicare, e hoʻololi ʻia ʻoe i kahi papahana ʻĀpana D e uku no kāu mau lāʻau.

Āhea ʻoe e kākau inoa ai i ka Medicare Part D?

Aia ka papa inoa inoa ma:

• ke kākau inoa mua ʻana i ka wā e huli ana ʻoe i ka makahiki 65 (mai 3 mau mahina ma mua a i 3 mau mahina ma hope o kou huli ʻana i ka makahiki 65)
• inā kūpono ʻoe ma mua o ka makahiki 65 ma muli o ke kīnā
• wehe kau inoa inoa (ʻOkakopa 15 a Kekemapa 7)
• manawa kau inoa maʻamau (Ianuali 1 a Malaki 31)

Hiki paha iā ʻoe ke hui, haʻalele, a hoʻololi paha i nā hoʻolālā inā ʻoe:

• neʻe i kahi hale hānai a i ʻole kahi hanai hānai akamai
• neʻe i waho o kāu wahi hoʻolālā
• lilo ka lāʻau lapaʻau
• ʻaʻole hāʻawi kāu hoʻolālā i nā lawelawe ʻĀpana D
• makemake ʻoe e hoʻololi i kahi hoʻolālā 5 hōkū ʻoi aku ka kiʻekiʻe

Hiki iā ʻoe ke hoʻololi i nā hoʻolālā i ka wā o kāu kākau inoa hāmama ʻana i kēlā me kēia makahiki.

Inā loaʻa iā ʻoe kahi lāʻau lapaʻau kuhikuhi a hoʻohālikelike ʻia i ka papahana Medicare Part D maʻamau, hiki iā ʻoe ke mālama i kāu hoʻolālā.

Aia paha kahi hoʻopaʻi kūpaʻa inā kau lohi ʻoe?

ʻOiai he ʻokoʻa ka ʻāpana D, inā koho ʻoe ʻaʻole e kau inoa no kahi hoʻolālā pōmaikaʻi kuhikuhi, hiki iā ʻoe ke uku i ka hoʻopaʻi no ke kākau inoa lōʻihi ʻana e komo ma hope.

ʻOiai inā ʻaʻole ʻoe e lawe i nā lāʻau i kēia manawa, he mea nui e kau inoa no kahi hoʻolālā haʻahaʻa inā makemake ʻoe e hōʻalo i kēia hoʻopaʻi. Hiki iā ʻoe ke hoʻololi mau i nā hoʻolālā e like me ka loli ʻana o kāu mau pono i ka wā e komo inoa ai i kēlā me kēia makahiki.

Inā ʻaʻole ʻoe e kākau inoa ke koho mua ʻoe a ʻaʻohe ou laulā lāʻau ʻē aʻe, helu ʻia kahi hoʻopaʻi 1 keneta a hoʻohui ʻia i kāu uku no nā helu o nā mahina āu i noi ʻole ai ke hiki. Hoʻohui ʻia kēia uku keu i kāu uku nui inā loaʻa iā ʻoe Medicare.

Aia kekahi mau koho ʻē aʻe no ka uhi lāʻau ʻana ma kahi o ka ʻĀpana D. Akā pono e ʻoi aku ka maikaʻi o ka uhi ʻana e like me ka ʻāpana D ʻāpana.

Hiki iā ʻoe ke loaʻa ka uhi mai kāu luna hana, ka hoʻolālā ʻo Veteran's Administration (VA), a i ʻole nā ​​hoʻolālā pilikino ʻē aʻe. ʻO Medicare Advantage kahi koho ʻē aʻe e uku no nā lāʻau.

Pehea e kākau inoa ai ma Medicare Part D

Hiki iā ʻoe ke kākau inoa i kahi papahana Medicare Part D i ke kau inoa mua ʻana no nā ʻāpana Medicare A a me B.

Inā ʻaʻole hoʻokō kāu papa lāʻau lāʻau i kāu mau pono, hiki iā ʻoe ke hoʻololi i kāu koho Medicare Part D i nā manawa kau inoa hāmama. ʻElua mau manawa kākau inoa wehe i loko o ka makahiki.

ʻO ka lawe lawe ʻana

He ʻāpana nui ʻo Medicare Part D o nā pono Medicare. Ke koho nei i ka hoʻolālā kūpono hiki ke kōkua i ka mālama ʻana i nā kumukūʻai.

Ke koho koke ʻoe i kahi hoʻolālā, pono ʻoe e noho i loko a hiki i ka wā kākau inoa wehe aʻe e hoʻomaka ana ma ʻOkakopa 15. He mea nui e koho i kahi hoʻolālā maikaʻi e kūpono no kāu mau pono.

ʻO Medicare kumu me ka ʻāpana D e ʻae iā ʻoe e kipa i nā loea me ka ʻole o nā mea kuhikuhi. Loaʻa paha i nā hoʻolālā Medicare Advantage nā pūnaewele a me nā palena o ka uhi ʻana, akā ʻoi aku ka haʻahaʻa o nā kumukūʻai o ka ʻeke.

E koho i kahi hoʻolālā maikaʻi loa no kāu pono lāʻau, e nānā pono i kāu kumukūʻai a me nā koho. Hana me kahi mea kōkua e koho i kahi koho ʻoi loa ma ka hoʻoholo ʻana e hoʻololi i nā hoʻolālā.

Inā ʻaʻohe ou komo pūnaewele, hiki iā ʻoe ke kāhea iā 800-MEDICARE no ke kōkua i ke koho ʻana i kahi hoʻolālā. Hiki iā ʻoe ke ʻōlelo i ka hoʻolālā āu e makemake ai a nīnau i nā nīnau e pili ana i ka uhi ʻana.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 17, 2020, e hōʻike i ka ʻike 2021 Medicare.

Hiki i ka ʻikepili ma kēia pūnaewele ke kōkua iā ʻoe i ka hoʻoholo ʻana pilikino e pili ana i ka ʻinikua, akā ʻaʻole ia i manaʻo ʻia e hāʻawi i nā ʻōlelo aʻoaʻo e pili ana i ke kūʻai a hoʻohana ʻana i nā huahana ʻinikua a me nā ʻinikua paha. ʻAʻole lawelawe ʻo Healthline Media i ka ʻoihana ʻinikua i kekahi ʻano a ʻaʻohe laikini ma ke ʻano he ʻinikua a i ʻole mea hana i kēlā me kēia mana o U.S. ʻAʻole koi a kākoʻo ʻo Healthline Media i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.

E heluhelu i kēia ʻatikala ma ka Paniolo