Yadda za a Budget Kuɗin Kuɗin Kuɗin Kuɗin Kuɗi
Kafin 2006, Medicare bai rufe magungunan magani ba, akalla ba mafi yawan su ba. An bayar da magungunan ƙwayoyi masu yawa a ƙarƙashin Sashen na Medicare B , amma in ba haka ba, dole ne ku biya bashin ku daga aljihu.
Wannan ya canza duk lokacin da Shugaba George W. Bush ya keta Dokar Magunguna, Inganta da Sauyewa (MMA) a shekarar 2003.
Dokar ta haɓaka abin da muka sani yanzu a matsayin Medicare Part D, wani ɓangaren zaɓi na Medicare wanda ke ba da maganin likita.
Shirin D na kamfanonin inshora masu zaman kansu, ba gwamnati ba ne. Duk da haka, gwamnatin tarayya ta tsara jagororin akan abin da magungunan asali da waɗannan tsare-tsaren zasu ɗauka da kuma yadda za a iya cajin ku. Wannan jagorar ya tsara duk abin da kake buƙatar sanin game da abin da za ku biya don Medicare Part D a wannan shekara.
Sashe na D Deductible
Ƙarin kuɗi shi ne adadin kuɗi da kuka ciyar daga aljihun kafin amfanin kuɗin likitanci ya fara. Tsarin ku na iya ko bazai da wani deductible. Matsakaicin iyakacin shirin da zai iya cajin don 2017 an saita shi a $ 400, haɓaka da $ 40 daga 2016.
Sashe na D Kyauta
Kyauta shine yawan kuɗin da kuka ciyar a kowane wata don ku sami damar shiga tsarin lafiyarku. Gwamnati ba ta sanya takunkumin izini akan farashin kuɗi ba kuma yawan farashin yakan karu a kowace shekara. A shekara ta 2017, mafi kyawun kashi na D na D yana ba da kuɗin $ 34 a kowace wata.
Shirye-shiryen tare da ƙararrawa zai kara kudin.
Dama na Dangantaka na Ƙasa na D na D
Kada ka dame tushen kyauta na asali na kasa (NBBP) tare da kuɗin ku na kowane wata. Kodayake lambobi zasu iya kasancewa ɗaya, suna da wuya. NBBP yana da darajar da ake amfani dashi don lissafin yawan kuɗin ku a cikin fansa na DD idan kun yi rajista don martaba.
Mafi kyawun ku shi ne don kauce wa fansa na D na gaba ɗaya, don haka tabbatar da amfani da wannan kalandar Medicare mai amfani don shiga cikin lokaci . An saita NBBP a $ 35.63 don 2017.
Sashe Na D Abubuwan Da Suka Yi Ma'anar Asusun Abincin Madaidaici
Har ila yau, gwamnati ta cajakar ku game da sashe na D na tushen ku] a] e. An san wannan a matsayin Ƙididdigar Biyan Kuɗi na Ma'aikata (IRMAA). Za ku biya kowace wata ta IRMAA zuwa gwamnatin tarayya da kuma kudade na wata zuwa kamfanin inshora.
| Kudin shiga | Kawan ku 2017 | Canji daga 2016 |
| Kadan da $ 85,000 | $ 0 a kowace wata | $ 0 ƙara kowace wata a kowace shekara |
| $ 85,000 - $ 107,000 | $ 13.30 a kowace wata | $ 0.60 karuwa da wata $ 7.20 karuwa a kowace shekara |
| $ 107,000 - $ 160,000 | $ 34.20 kowace wata | $ 1.40 karuwa da wata $ 16.80 karuwa a kowace shekara |
| $ 160,000 - $ 214,000 | $ 55.20 a kowace wata | $ 2.40 karuwa da wata $ 28.80 karuwa a kowace shekara |
| Fiye da $ 214,000 | $ 76.20 a kowace wata | $ 3.30 karuwa da wata $ 39.60 karuwa a kowace shekara |
| Kudin shiga | Kawan ku 2017 | Canji daga 2016 |
| Kadan da $ 170,000 | $ 0 a kowace wata | $ 0 ƙara kowace wata a kowace shekara |
| $ 170,000 - $ 214,000 | $ 13.30 a kowace wata | $ 0.60 karuwa da wata $ 7.20 karuwa a kowace shekara |
| $ 214,000 - $ 320,000 | $ 34.20 kowace wata | $ 1.40 karuwa da wata $ 16.80 karuwa a kowace shekara |
| $ 320,000 - $ 428,000 | $ 55.20 a kowace wata | $ 2.40 karuwa da wata $ 28.80 karuwa a kowace shekara |
| Fiye da $ 428,000 | $ 76.20 a kowace wata | $ 3.30 karuwa da wata $ 39.60 karuwa a kowace shekara |
| Kudin shiga | Kawan ku 2017 | Canji daga 2016 |
| Kadan da $ 85,000 | $ 0 a kowace wata | $ 0 ƙara kowace wata a kowace shekara |
| $ 85,000 - $ 129,000 | $ 55.20 a kowace wata | $ 2.40 karuwa da wata $ 28.80 karuwa a kowace shekara |
| Fiye da $ 129,000 | $ 76.20 a kowace wata | $ 3.30 karuwa da wata $ 39.60 karuwa a kowace shekara |
Ƙarin Donut
Medicare Sashe na D yana da nisa daga cikakke. A gaskiya, yana da babban rami a ciki. Abin da ake kira raguwa mai raguwa shine raguwa wanda yake faruwa a bayanka kuma Medicare sun ciyar da wasu adadin kuɗin kuɗin likita. Bayan an kashe adadin kuɗin, an bar ku don ku biya magungunan ku a kan ku har sai ku ciyar da isasshen kuɗi don ku sami "lalacewar masifa" ta hanyar shirin D na D.
Ƙungiyar raƙuman ruwa ta raguwa a shekara ta 2017 da godiya ga Dokar Kulawa da Kulawa tagari, da Obama . Farawa a cikin ka'idojin 2013 a cikin Dokar Kulawa mai Kulawa ya rage yawan ku za ku tilasta ku ciyar daga aljihu akan magunguna. Idan waɗannan ka'idoji sun ci gaba, watau idan Dokar Kulawa ta Kasa ba ta sokewa ba , za a rufe ginin donut 2020.
Har sai lokacin, adadin da ka biya a gabanka ka shiga cikin rami, wanda aka sani da ƙimar farko, ya karu daga $ 3,310 zuwa $ 3,700 a shekara ta 2017. Wannan babban labari ne. Yana nufin cewa zai dauki tsawon lokaci kafin ka shiga rami mai kunnen doki.
Da zarar kun kasance a cikin rami, maimakon ku biya adadin kuɗin ku na D, ku biya kashi 40 cikin dari na magunguna da kuma kashi 51 cikin dari na magunguna , ba likitan ku ba. A kowace shekara ta 2020, zaka biya bashin kashi a kan magungunanka har sai an rufe ɗakun rami a kashi 25 cikin 100.
Za ku kashe $ 1,250 a cikin rami don shekarar 2017 idan aka kwatanta da $ 1,540 a shekarar 2016. Bayan da kuka kashe wannan adadin, ku shiga lokaci na catastrophic ɗaukar hoto inda za ku biya kawai $ 3.30 don kwayoyin cututtuka da $ 8.25 ga magungunan magunguna kowace wata.
Yi amfani da wannan jagorar jagorancin don taimaka maka ta hanyar tsarin rami .
Kalma Daga
Magunguna na asibiti na iya zama masu tsada amma kada ka bari wannan ya tsoratar da kai. Ka san abin da Medicare Sashin D ya tanadi da kuma yadda za ka iya sa ran biya. Tare da wannan bayani a hannunka, za ka iya kasafin kudin don shekara gaba kuma ka ci gaba da damuwa a bay.