Hais txog Medicare Part D Cov Phiaj Them Nqi Tshuaj

Yog tias koj muaj feem tsim nyog tau txais Medicare Advantage Plan, koj kuj muaj feem tsim nyog tau txais Medicare Part D qhov pab them nqi tshuaj thiab.

Koj yuav pom cov lus teb rau cov lus nug uas nquag nug txog Part D hauv qab no. Yog xav paub ntxiv txog Medicare Part D cov kev pab them nqi tshuaj thiab lwm yam teeb meem ntsig txog Medicare, mus saib hauv Medicare lub website.

Part D daim phiaj (plan) yog dab tsi?

Tag nrho Part D cov phiaj yog cov phiaj xwm pov hwm ntiag tug (private insurance plans) uas muab los ntawm cov tuam txhab ntiag tug. Muaj ob hom ntawm Part D cov phiaj. Part D cov phiaj uas tsis koom nrog lwm qhov (stand-alone) tsuas them rau cov nqi tshuaj nkaus xwb. Medicare Advantage nrog rau cov phiaj Them Nqi Tshuaj (Prescription Drug plans) muaj kev pab them nqi kho mob rau cov kev mus ntsib kws kho mob thiab cov nqi pw hauv tsev kho mob. Cov phiaj no kuj tseem them rau cov nqi tshuaj thiab.

Nws yuav raug nqi npaum li cas?

Ib cov neeg them cov nqi txhua hli (premiums), cov nyiaj yus them ua ntej (deductibles) thiab cov nyiaj koom nrog them (co-pays/nyiaj koom them tuav pov hwm (co-insurance) txhua xyoo. Yog tias koj muaj nyiaj khwv tau los thiab cov kev pab tsawg, tej zaum koj kuj muaj cai tsim nyog tau txais Kev Pab Ntxiv. Yog tias koj muaj cai tsim nyog rau Medicare thiab Medicaid ob qho tib si tib lub sij hawm (muaj feem tau ob qho), tej zaum koj yuav tsis tau them tus nqi them (premium). Koj tuaj yeem ua ntawv thov tau los sis tau cov ntaub ntawv qhia paub ntxiv los ntawm kev hu rau Social Security ntawm 1-800-772-1213 (TTY 1-800-325-0778) nruab nrab 7:00 AM thiab 7:00 PM Monday txog Friday los yog mus saibb Social Security Administration Website.

Cov tshuaj twg them rau?

Txhua daim phiaj them nqi tshuaj Part D muaj nws tus kheej Daim Ntawv Teev Npe Tshuaj (PDL), Daim Ntawv Teev Cov Tshuaj Uas Them Rau, ib daim ntawv teev cov tshuaj uas tau pom zoo los ntawm tsoom fwv uas them rau los ntawm daim phiaj. PDLs yuav txawv ntawm ib daim phiaj mus rau lwm daim, tab sis txhua daim phiaj muab ntau cov kev xaiv rau koj thiab koj tus kws kho mob. Ua ntej koj xaiv ib daim phiaj, nws yog ib lub zoo tswv yim los saib daim phiaj cov npe tshuaj PDL kom paub tseeb tias nws ua tau raws li qhov koj xav tau.

Kuv daim phiaj Part D puas yuav them rau kuv cov tshuaj?

Cov neeg feem coob them ib qho nqi rau txhua qhov tshuaj uas lawv tau txais. Qee zaum, tej zaum koj yuav tau them 100 feem pua ntawm tus nqi. Ib txhia neeg kuj tsis tau them dab tsi li.

Thaum twg kuv yuav tsum tau rau npe?

Koj tuaj yeem koom nrog Medicare ib daim phiaj pab them nqi tshuaj peb lub hlis ua ntej lub hli koj nto 65, lub hli koj nto 65, thiab peb lub hlis tom qab koj nto 65 (hu tias yog koj lub Sij Hawm Rau Npe Thawj Zaug (Initial Enrollment Period). Feem ntau, yog tias koj tsis taus, koj tuaj yeem koom nrog peb lub hlis ua ntej thiab peb lub hlis tom qab koj lub hlis thib 25 ntawm kev tsis taus. Daim phiaj yuav ceeb toom rau koj paub thaum koj qhov kev pab them nqi pib.

Thov nco ntsoov tias yog tias koj xaiv rau npe rau hauv Medicare daim phiaj pab them nqi tshuaj tom qab koj lub Sij Hawm Rau Npe Thawj Zaug tas, tej zaum koj yuav tau them ib tus nqi rau qhov rau npe lig. Yog tias koj muaj Medicare ib daim phiaj tsis muaj qhov pab them nqi tshuaj, koj yuav tau txiav txim siab seb koj puas rau npe los tsis rau rau hauv Medicare ib daim phiaj pab them nqi tshuaj. Tej zaum kuj yuav muaj ib tus nqi nplua yog tias koj txiav txim siab rau npe rau hauv Medicare ib daim phiaj pab them nqi tshuaj tom qab kaw lub sij hawm rau npe thawj zaug.