Xyoo 2023 coj cov kev hloov pauv rau cov cai, kev txwv thiab kev xaiv ntawm txhua yam ntawm tsoomfwv cov kev pabcuam thiab Medicare tsis muaj kev zam. Kwv yees li 65 lab tus neeg laus laus uas tso siab rau Medicare rau kev pab them nqi kho mob yuav them tsawg dua rau ob peb yam, tab sis ntau dua rau qhov kev pab them nqi Part A. Lawv tseem yuav tau txais cov tshuaj tiv thaiv dawb thiab lub kaus mom ntev ntev ntawm kev them nyiaj rau insulin. Nov yog yam koj yuav tsum paub.
A tus kws pab tswv yim nyiaj txiag tuaj yeem pab koj tsim cov phiaj xwm nyiaj txiag rau koj cov nuj nqis noj qab haus huv hauv cov nyiaj laus.
Rau Medicare Hloov Kho rau 2023
Lub Chaw rau Medicare & Medicaid Services (CMS) hais tias tsawg kawg 64.5 lab tus neeg Asmeskas tau tso siab rau Medicare Ntu A thiab/lossis B raws li lub Yim Hli 2022. Ntawm no yog rau Cov kev hloov loj uas yuav cuam tshuam rau Medicare nyob rau hauv 2023:
Nqe A yog nce ntxiv: Ntu A suav nrog kev mus pw hauv tsev kho mob thiab cov nqi tsis muaj nqi them rau feem coob ntawm cov menyuam kawm ntawv, raws li lawv cov keeb kwm ua haujlwm lossis lawv tus txij nkawm. Rau 1% ntawm cov neeg koom nrog them, cov nqi them yuav nce ntawm $ 274 txog $ 278 ib hlis rau cov neeg uas muaj ntau dua 30 lub hlis twg ntawm keeb kwm ua haujlwm tab sis tsawg dua 40 lub hlis twg. Rau cov neeg uas muaj tsawg dua 30 lub hlis twg ntawm keeb kwm ua haujlwm, tus nqi them nce ntawm $ 499 ib hlis mus txog $ 506 ib hlis.
Lwm qhov kev hloov pauv ntawm Ntu A: Qhov kev txiav tawm tau nce los ntawm $ 1,556 rau $ 1,600 xyoo no. Txhua hnub co-insurance nqi uas ncaws tawm tom qab thawj 60 hnub ntawm kev mus pw hauv tsev kho mob mus los ntawm $ 389 txog $ 400 ib hnub rau 61st txog 90th hnub ntawm kev saib xyuas neeg mob. Tom qab 90 hnub, cov nyiaj them ua ke yog $ 800 rau "hnub khaws cia rau lub neej," nrog rau qhov siab tshaj plaws ntawm 60 hnub tshwj xeeb hauv koj lub neej.
Part B cov nqi them poob qis: Ntu B suav nrog kev saib xyuas tus neeg mob sab nraud thiab tus nqi them poob qis los ntawm $ 170.10 xyoo tas los rau $ 164.90. Cov neeg kawm tau nyiaj ntau dua tau them ntau dua, raws li lawv cov nyiaj tau los hloov kho 2021. Cov neeg koom feem ntau muaj lawv cov nqi them Part B tau txais los ntawm lawv Nyiaj Xaus Saus, uas tau txais 8.7% tus nqi kho nyob rau xyoo no. Tus nqi txo qis txhais tau hais tias cov neeg sau npe yuav siv tau tag nrho qhov nce ntxiv rau lwm cov nuj nqis.
Ntu B kuj tau nqes mus: Nws yuav poob qis ntawm $ 233 xyoo tas los mus rau $ 226 rau 2023. Tom qab ntsib qhov kev txiav tawm no feem ntau cov neeg sau npe feem ntau them 20% rau tus nqi ntawm cov kev pab them nqi.
Insulin co-pay capped: Tom qab cov lus ceeb toom dav dav ntawm cov neeg mob ntshav qab zib scrimping ntawm lawv cov tshuaj - ua rau muaj kev tuag nyob rau qee kis - los ntawm kev nce nqi insulin, Biden tus thawj coj tau ntxiv lub cap ntawm $ 35 rau ib hlis twg rau 2022 Inflation Reduction Act. . Cov nqi tshuaj feem ntau yog them los ntawm Medicare Part D, tab sis lub hau tseem yuav siv rau cov twj insulin hauv Tshooj B.
Cov tshuaj tiv thaiv dawb: Kuj ua tsaug rau cov Txoj Cai txo nqi nce nqi, Medicare Part D, uas suav nrog cov ntawv sau tshuaj, yuav ua rau txhua yam tshuaj tiv thaiv tsis pub dawb rau cov neeg sau npe. Qhov ntawd suav nrog cov tshuaj tiv thaiv uas pom zoo los ntawm Lub Chaw Tiv Thaiv Kab Mob thiab Tiv Thaiv. Qhov ntawd suav nrog ob koob tshuaj tiv thaiv Shingrix rau tus kab mob uas mob thiab ua rau mob shingles uas tuaj yeem raug nqi ntau dua $ 400 rau ob koob tshuaj. Shingles tuaj yeem ua rau txhua tus neeg uas tau mob khaub thuas. Lub Chaw Tiv Thaiv thiab Tiv Thaiv Kab Mob tau kwv yees tias kwv yees li ib ntawm txhua peb tus neeg nyob hauv Asmeskas yuav tsim mob shingles ntawm qee lub sijhawm.
Kev sib tham tus nqi kho mob: Tom qab xyoo uas raug txwv tshwj xeeb, Medicare yuav tuaj yeem sib tham tus nqi rau cov tshuaj, pib xyoo 2026. Thaum lub sijhawm ntawd, kev sib koom them nyiaj rau insulin thiab lwm yam tshuaj uas tus nqi sib tham yuav yog 25% ntawm tus nqi sib tham lossis $ 35, qhov twg. yog tsawg.
kab hauv qab
Kwv yees li ntawm 65 lab tus neeg Asmeskas yuav them tsawg dua rau Part B Medicare cov nqi them rau xyoo 2023, thiab lwm yam. Part A, txawm li cas los xij, yuav nce me ntsis. Tab sis cov neeg tau txais txiaj ntsig tseem yuav tau txais cov tshuaj tiv thaiv dawb thiab lub kaus mom ntawm cov nqi insulin.
Cov Lus Qhia Nyiaj Laus Kom Them Nyiaj Rau Cov Nqi
Koj tuaj yeem npaj rau kev so haujlwm ntawm koj tus kheej tab sis muaj ntau yam uas yuav tsum tau xav txog, tshwj xeeb tshaj yog thaum koj xav txog tias ntau tus neeg tau raug kev txom nyem los ntawm kev nce nqi kho mob. A tus kws pab tswv yim nyiaj txiag pab koj tsim ib txoj kev npaj nyiaj txiag los them cov nuj nqis ntawd. SmartAsset lub cuab yeej pub dawb phim koj mus txog rau peb tus kws saib xyuas nyiaj txiag leej twg ua haujlwm rau koj cheeb tsam, thiab koj tuaj yeem xam phaj koj tus kws pab tswv yim sib tw yam tsis muaj nqi los txiav txim siab seb qhov twg yog qhov zoo rau koj. Yog tias koj npaj siab nrhiav tus kws pab tswv yim uas tuaj yeem pab koj ua tiav koj cov hom phiaj nyiaj txiag, tau pib tam sim no.
Yog tias koj tab tom sim nrhiav qhov nyiaj tshuav hauv koj cov nyiaj laus, xav txog kev siv SmartAsset pub dawb cuab tam faib lub laij lej los pab koj kom tau txais kev sib xyaw zoo uas tuaj yeem pab koj ntaus koj cov hom phiaj nyiaj txiag.
Duab credit: ©iStock.com/andreswd, ©iStock.com/Rockaa
Tus ncej 6 Qhov Kev Hloov Kho Medicare hauv 2023, suav nrog Cov Tshuaj Tiv Thaiv Kab Mob Ntsws Dawb thiab Cov Nqi Tshuaj Kho Mob tshwm sim thawj zaug SmartAsset Blog.
Tau qhov twg los: https://finance.yahoo.com/news/free-shingles-vaccine-negotiable-prescription-140003013.html