Lawe ʻia ka Mahele Medicare D ma 2021: Nā Koina ma ke Milo

Anter

• He aha nā kumukūʻai no Medicare Part D?
• Hoʻolālā
• Nā Premiums
• Copays a me ka coinsurance
• He aha ka hakahaka Medicare Part D ("hole donut")?
• Nā lāʻau lapaʻau inoa
• Nā lāʻau laulaha
• Uhi kūkaʻi
• E loaʻa paha iaʻu ka Medicare Part D a i ʻole kahi papahana Medicare Advantage?
• Medicare Advantage pros and cons
• ʻO ka hoʻopaʻi no ke kākau inoa lohi
• Pehea wau e kākau inoa ai ma Medicare Part D?
• Pehea e hiki ai iaʻu ke kōkua me kaʻu kumukūʻai lāʻau lāʻau?
• Nā ʻōlelo aʻoaʻo mālama mālama ʻē aʻe
• ʻO ka lawe lawe ʻana

ʻO Medicare Part D, i ʻike ʻia ma ke ʻano he lāʻau lāʻau lapaʻau, ʻo ia ka ʻāpana o Medicare e kōkua ai iā ʻoe e uku no nā lāʻau lapaʻau. Ke kau inoa ʻoe i kahi papahana ʻĀpana D, kuleana ʻoe i ka uku ʻana i kāu hōʻemi, uku nui, copayment, a me nā huina kālā. Hoʻemi ʻia ka hapa nui Medicare Part D no 2021 $ 445.

E nānā pono kākou i ke ʻano o ka Medicare Part D a me ka mea e kākau inoa ai i kahi Medicare Part D hoʻolālā paha iā ʻoe ma 2021.

He aha nā kumukūʻai no Medicare Part D?

Ke kau inoa ʻia ʻoe i Medicare Part A a me ʻĀpana B, ʻo Medicare kumu, hiki iā ʻoe ke kākau inoa i ka Medicare Part D. Hoʻolālā nā lāʻau lapaʻau lāʻau lapaʻau Medicare i ka uhi ʻana i nā lāʻau i kuhikuhi ʻole ʻia e uhi ʻia ma lalo o kāu papahana Medicare.

Hoʻolālā

ʻO ka Medicare Part D deductible ka nui āu e uku ai i kēlā me kēia makahiki ma mua o ka uku ʻana o kāu hoʻolālā Medicare i kāna ʻāpana. Hoʻopaʻa kekahi mau hoʻolālā lāʻau i kahi hōʻemi makahiki $ 0, akā hiki ke loli kēia nui i ka mea hāʻawi, kou wahi, a me nā mea hou aʻe. ʻO ka huina kiʻekiʻena i unuhi ʻia i hiki i nā ʻāpana Part D ke hoʻouka i 2021 $ 445.

Nā Premiums

ʻO ka uku Medicare Part D ka uku āu e uku ai i kēlā me kēia mahina e kākau inoa ʻia i kāu papa lāʻau lāʻau. E like me $ 0 deductibles, uku kekahi mau papa lāʻau lāʻau i $ premium o ka mahina.

Hiki ke loli ka uku nui o kēlā me kēia mahina no ka hoʻolālā ʻana i nā ʻano like ʻole, me kāu loaʻa kālā. Inā ʻoi kāu uku ma luna o kekahi paepae, pono paha ʻoe e uku i kahi nui hoʻoponopono e pili ana i ka loaʻa kālā (IRMAA). Hoʻokumu ʻia kēia nui i hoʻoponopono ʻia no 2021 ma kāu hoʻihoʻi ʻauhau 2019.

Eia nā ʻāpana D IRMAA 2021 e pili ana i ka pae loaʻa ma ke ʻano he faila i kāu hoʻi ʻauhau.

• $ 88,000 a ʻoi aku paha: ʻaʻohe uku pākuʻi hou aʻe
• > $ 88,000 a i $ 111,000: + $ 12.30 o ka mahina
• > $ 111,000 a $ 138,000: + $ 31.80 i kēlā me kēia mahina
• > $ 138,000 i $ 165,000: + $ 51.20 o ka mahina
• > $ 165,000 i $ 499,999: + $ 70.70 i kēlā me kēia mahina
• $ 500,000 a ma luna: + $ 77.10 i kēlā me kēia mahina

He ʻokoʻa nā paepae no ka poʻe e faila like ana a me ka poʻe i male a faila ʻokoʻa. Eia nō naʻe, mai ka $ 12.40 a $ 77.10 keu ka hoʻonui ʻana o ka mahina i kēlā me kēia mahina, ke kaukaʻi ʻia i kāu loaʻa kālā a me kāu kūlana faila.

Copays a me ka coinsurance

ʻO ka Medicare Part D copayment a me ka huina kālā ʻo ia nā kumukūʻai āu e uku ai ma hope o ka lawe ʻia ʻana o kāu ʻāpana D. Ma muli o ka hoʻolālā āu e koho ai, e ʻaiʻē paha ʻoe i nā copayments a i ʻole nā ​​uku inikua.

ʻO kahi copayment kahi helu i uku ʻia e uku ai ʻoe no kēlā me kēia lāʻau, ʻoiai ʻo ka coinsurance ka pākēneka o ke kumukūʻai lāʻau āu e kuleana ai no ka uku ʻana.

Hiki ke loli ka helu D copayment a me nā huina kālā i ka hilinaʻi ʻia o ka "tier" i loaʻa i kēlā me kēia lāʻau. ʻO ke kumukūʻai o kēlā me kēia lāʻau i loko o ka formulary o ka papa lāʻau e piʻi aʻe ana.

ʻO kahi laʻana, loaʻa i kāu papa lāʻau lāʻau kuhikuhi i ka ʻōnaehana pae aʻe:

He aha ka hakahaka Medicare Part D ("hole donut")?

ʻO ka hapa nui o nā hoʻolālā Medicare Part D he āpau e uhi ai, a i kapa ʻia hoʻi he "hole donut." Hana kēia āpau uhi ke hiki aku ʻoe i ka palena o ka uku a kāu ʻĀpana D e uku ai no kāu lāʻau lapaʻau. ʻOi aku ka palena o kēia palena ma mua o kāu nui o ka poʻi, akā naʻe, ʻo ia hoʻi e loaʻa kahi hakahaka i kāu uhi.

Eia pehea ka hana o ke āpau no Medicare Part D ma 2021:

• Lawe ʻia ka makahiki. ʻO $ 445 ka mea hiki ke unuhi ʻia i hiki i nā Medicare Part D ke hoʻolālā i 2021.
• ʻ .hiu mua. ʻO ka palena palena mua no nā papahana Medicare Part D i 2021 $ 4,130.
• Uhi kūkaʻi. Hoʻomoʻa ka nui o ka pōʻaiapili i ka manawa āu i lilo ai i $ 6,550 mai loko mai o ka ʻeke ma 2021.

No laila, he aha ka mea e hana ai inā aia ʻoe i loko o ke āpau uhi o kāu ʻāpana D papahana? Aia ia i ka mea aʻe:

Nā lāʻau lapaʻau inoa

Ke kuʻi ʻoe i ka ʻāpana uhi, ʻaʻole ʻoe e ʻai ma mua o 25 pākēneka o ke kumukūʻai o nā lāʻau lapaʻau inoa inoa inoa uhi ʻia e kāu hoʻolālā. Uku ʻoe i ka 25 pākēneka, uku ka mea hana i ka 70 pākēneka, a uku kāu hoʻolālā i ka 5 pakeneka i koe.

Laʻana: Inā kūʻai ʻia kāu lāʻau lapaʻau inoa inoa inoa $ 500, e uku ʻoe i $ 125 (a me kahi uku hāʻawi). E uku ka mea hana lāʻau a me kāu papahana D ʻē i $ 375 i koe.

Nā lāʻau laulaha

Ke kuʻi ʻoe i ke āpau uhi, e ʻaiʻē ʻoe i ka 25 pākēneka o ke kumukūʻai o nā lāʻau laulaha i uhi ʻia e kāu hoʻolālā. Uku ʻoe i ka 25 pākēneka a uku kāu hoʻolālā i ka 75 pakeneka i koe.

Laʻana: Inā he $ 100 kāu kumu kūʻai lāʻau lapaʻau, e uku ʻoe i $ 25 (me ka uku no ka hāʻawi ʻana). E uku kāu ʻaoʻao D i $ 75 i koe.

Uhi kūkaʻi

I mea e puka ai i waho o ke āpau uhi, pono ʻoe e uku i kahi $ 6,550 āpau i nā koina waho o ka ʻeke. Hiki i kēia mau koina ke hoʻopili:

• hoʻemi ʻia kāu lāʻau
• kāu lāʻau copayments / coinsurance
• uku kāu lāʻau i loko o ka hakahaka
• ka nui a ka mea hana lāʻau e uku ai i ka wā o ka lua donut

I ka manawa āu i uku ai i kēia kālā mai waho o ka ʻeke, kicks i loko kou uhi pōpilikia. Ma hope o kēlā, e kuleana wale ʻoe no kahi copayment liʻiliʻi a i ʻole ka waihona kālā. I ka makahiki 2021, he 5 pakeneka ka nui o ke kālā a ʻo ke kumu copayment he $ 3.70 no nā lāʻau laulaha a me $ 9.20 no nā lāʻau lapaʻau inoa inoa.

E loaʻa paha iaʻu ka Medicare Part D a i ʻole kahi papahana Medicare Advantage?

Ke kau inoa ʻoe i Medicare, loaʻa iā ʻoe ke koho o ke koho ʻana i kahi Medicare Part D a i ʻole kahi Medicare Advantage (ʻĀpana C) e hālāwai me kāu pono lāʻau lapaʻau e pono ai.

Medicare Advantage pros and cons

ʻO ka hapa nui o nā hoʻolālā Medicare Advantage e pili ana i ka uhi lāʻau lāʻau kuhikuhi i ka hoʻohui ʻia me nā koho ʻē aʻe e like me ka niho, ka hihi, ka hoʻolohe ʻana, a me nā mea hou aʻe. Hiki i kēia uhi hou ke alakaʻi i ka hoʻonui ʻana o nā kumukūʻai holoʻokoʻa, a hoʻopau paha ʻoe i ka uku ʻana no ka hoʻolālā Medicare Advantage ma mua o ka hoʻohui ʻana i ka ʻĀpana D i kāu hoʻolālā kumu.

Hoʻohui ʻia, hiki i kekahi mau Medicare Advantage HMO hoʻolālā ke kaupalena i kāu uhi ʻana i nā kauka pūnaewele a me nā hale kūʻai. ʻO kēia ka manaʻo ʻaʻole e uhi ʻia kāu kauka a kauka paha i kēia manawa e ka Medicare Advantage plan kahi āu e makemake ai e kākau inoa.

ʻO ka hoʻopaʻi no ke kākau inoa lohi

He mea ʻole inā koho ʻoe iā Medicare Part D a i ʻole Medicare Advantage plan, koi ʻo Medicare iā ʻoe i kekahi ʻano o ka lāʻau e kuhikuhi ai i ka lāʻau. Inā ʻoe e hele me ka ʻole o ke kau lāʻau ʻana no ke kau lāʻau no 63 mau lā a ʻoi aʻe paha ma hope o kou komo mua ʻana i Medicare, e uku ʻia ʻoe i ka hoʻopaʻi no ka Medicare Māhele D hope loa. Hoʻohui ʻia kēia uku hoʻopaʻi i kāu uku lāʻau hoʻolālā papa kuhikuhi i kēlā me kēia mahina ʻaʻole ʻoe i kākau inoa ʻia.

Hoʻomaulia ʻia ka hoʻopaʻi inoa Medicare Part D ma o ka hoʻonui ʻana i ka "premium base beneficiary base" e 1 pākēneka a laila hoʻonui i kēlā nui i ka helu o nā mahina piha āu i hele ai me ka ʻole o ka uhi ʻana. ʻO ka uku makamae loaʻa ma ke aupuni he $ 33.06 i ka 2021, no laila e nānā i ke ʻano o kēia hoʻopaʻi no kekahi mea e kākau inoa ana i ka hopena o 2021:

• Pau ka wā kākau inoa o Mr. Doe ma Ianuali 31, 2021.
• ʻAʻole kākau inoa ʻo Mr. Doe i ka uhi lāʻau hōʻona hōʻaiʻē a hiki i Mei 1, 2021 (3 mau mahina ma hope).
• Mr.Loaʻa ka uku hoʻopaʻi iā Doe i $ 0.33 ($ 33.06 x 1%) i kēlā me kēia mahina i hele ʻo ia me ka uhi ʻole ʻia (3 mahina).
• E uku ʻo Mr. Doe i ka $ 1.00 mahina hoʻopaʻi hoʻopaʻi ($ .33 x 3 = $ .99, poepoe ʻia i kahi $ 0.10 kokoke) e holo nei i mua.

Hoʻololi ʻia ka hoʻopaʻi o ke kākau inoa hope ʻana e like me ka hoʻololi ʻana o ka uku pōmaikaʻi o ka poʻe loaʻa kālā i kēlā me kēia makahiki.

Pehea wau e kākau inoa ai ma Medicare Part D?

Ua kūpono ʻoe e kākau inoa i kahi papahana Medicare Part D i kāu kau inoa Medicare mua. Holo kēia manawa i 3 mau mahina ma mua, ka mahina o, a me 3 mau mahina ma hope o kou piha makahiki 65. Aia kekahi mau manawa kau inoa Medicare Part D, e like me:

• ʻOkakopa 15 a i Kekemapa 7. Hiki iā ʻoe ke kau inoa inā ua kau inoa ʻoe i nā ʻāpana A a me B akā ʻaʻole i kau inoa ʻia i ka ʻāpana D, a i ʻole inā makemake ʻoe e hoʻololi i kahi hoʻolālā ʻĀpana D ʻē aʻe.
• ʻApelila 1 a Iune 30. Hiki iā ʻoe ke kau inoa inā ʻoe i kākau inoa i ka Medicare ʻĀpana B i ka manawa o ke kau inoa ʻāpana B (Ianuali 1 a Malaki 31).

Loaʻa i kēlā me kēia papahana Medicare Part D kahi papa inoa o nā lāʻau i kuhikuhi ʻia e uhi ai, i kapa ʻia he formulary. Uhi ʻia nā formularies i nā papa lāʻau lāʻau i nā inoa inoa a me nā lāʻau laulaha mai nā papa lāʻau i kuhikuhi ʻia. Ma mua o kou kākau inoa ʻana i kahi papahana ʻĀpana D, e nānā i ka uhi ʻia o kāu mau lāʻau i lalo o ka formulary o ka hoʻolālā.

Ke kau inoa ʻoe i ka ʻāpana D, aia nā uku hoʻolālā me ka hoʻohui o kāu kumu kūʻai Medicare kumu. Hoʻopili kēia mau uku i kahi hōʻemi lāʻau hoʻowahāwahā i kēlā me kēia makahiki, uku pālolo lāʻau no kēlā me kēia mahina, copayments lāʻau, a me ka puʻu kālā.

Pehea e hiki ai iaʻu ke kōkua me kaʻu kumukūʻai lāʻau lāʻau?

ʻO nā mea kōkua Medicare i loaʻa ka pilikia i ka hālāwai ʻana me nā kumukūʻai lāʻau i kuhikuhi ʻia e pōmaikaʻi paha lākou mai ka papahana Kōkua keu. ʻO ke kōkua keu he papahana Medicare Part D e kōkua i ka uku ʻana i nā uku uku, nā deductibles, a me nā kumu kūʻai mālama kālā e pili pū ana me kāu papa lāʻau lāʻau.

I mea e pono ai no ka Medicare Extra Help, ʻaʻole pono kāu mau kumuwaiwai i ʻoi aku i ka huina kālā i kau ʻia. Aia kāu waiwai i ke kālā ma ka lima a i ʻole ka panakō, mālama kālā, a me nā hoʻopukapuka. Inā kūpono ʻoe i ke Kōkua keu, hiki iā ʻoe ke noi ma o kāu hoʻolālā lāʻau lāʻau me nā palapala kākoʻo, e like me ka leka hoʻomaopopo Medicare.

ʻOiai ʻaʻole ʻoe e kūpono i ke kōkua keu, loaʻa paha ʻoe i Medicaid. Hāʻawi ʻo Medicaid i ka uhi olakino no ka poʻe me ka loaʻa kālā haʻahaʻa ma lalo o ka makahiki 65. Eia nō naʻe, ua kūpono kekahi mau mea kōkua Medicare no ka uhi Medicaid, kaukaʻi ʻia i ka pae loaʻa. E ʻike ai inā kūpono ʻoe i Medicaid, e kipa i kāu keʻena lawelawe kaiāulu kūloko.

Nā ʻōlelo aʻoaʻo mālama mālama ʻē aʻe

Ma waho o ka loaʻa ʻana o ke kōkua kālā, aia kekahi mau mea ʻē aʻe hiki iā ʻoe ke hana e kōkua i ka hoʻohaʻahaʻa ʻana i kāu kumukūʻai lāʻau lāʻau.

• Kūʻai i nā hale kūʻai lāʻau ʻokoʻa. Hiki i nā hale kūʻai lāʻau ke kūʻai aku i nā lāʻau no nā nui like ʻole, no laila hiki iā ʻoe ke kāhea a puni e nīnau i ka uku o kāu lāʻau iā ʻoe.
• E hoʻohana i nā coupon hana. Hiki i nā pūnaewele hana, nā pūnaewele mālama kālā, a me nā hale kūʻai lāʻau ke hāʻawi i nā coupon e kōkua e hoʻohaʻahaʻa i kāu kumukūʻai lāʻau i waho o ka ʻeke.
• E noi i kāu kauka e pili ana i nā mana generic. ʻOi aku ka uku o nā lāʻau laulaha ma mua o nā mana inoa inoa, ʻoiai inā ʻane like like ke ʻano.

ʻO ka lawe lawe ʻana

Koi ʻia ka ʻaoʻao Medicare Part D ma ke ʻano he mea kōkua iā Medicare, no laila he mea nui e koho i kahi hoʻolālā e kūpono iā ʻoe. Ke kūʻai hele ʻana a puni no ka uhi lāʻau lāʻau, e noʻonoʻo i kāu o nā lāʻau i uhi ʻia a pehea ke kumukūʻai.

Ma ka hala ʻana o ka manawa, hiki ke hoʻohui ʻia nā kumukūʻai hoʻolālā lāʻau hoʻomākaukau, no laila inā pilikia ʻoe i ka uku ʻana i kāu koina, aia kekahi mau papahana i hiki ke kōkua.

E hoʻohālikelike iā Medicare Part D a i ʻole Medicare Advantage (ʻĀpana C) i nā hoʻolālā lāʻau lāʻau kokoke iā ʻoe, e kipa iā Medicare e loaʻa i kahi pono hana hoʻolālā e aʻo hou aʻe.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 19, 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.