{"id":21572,"date":"2024-08-08T07:21:36","date_gmt":"2024-08-08T07:21:36","guid":{"rendered":"https:\/\/www.kcal.net\/simplified\/?p=21572"},"modified":"2024-09-27T20:14:22","modified_gmt":"2024-09-27T20:14:22","slug":"2025-medicare-drug-catastrophic-deductible","status":"publish","type":"post","link":"https:\/\/www.kcal.net\/simplified\/our-blog\/2025-medicare-drug-catastrophic-deductible\/","title":{"rendered":"\u7ea2\u84dd\u53612025\u5e74\u5904\u65b9\u836f\u798f\u5229\u6709\u4ec0\u4e48\u53d8\u5316\uff1f\u81ea\u4ed8\u4e0a\u9650\u964d\u4f4e\uff01"},"content":{"rendered":"\t\t
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\u4f9d\u636e\u300a\u964d\u4f4e\u901a\u81a8\u6cd5\u6848\u300b\uff08Inflation Reduction Act\uff09<\/a>\uff0c\u8054\u90a6\u533b\u7597\u4fdd\u9669\u7ea2\u84dd\u5361\uff08Medicare<\/a>\uff09\u8fd1\u5e74\u9646\u7eed\u63a8\u51fa\u6539\u9769\uff0c2025\u5e74\u5c06\u8fce\u6765\u5904\u65b9\u836f\u653f\u7b56\u7684\u5de8\u53d8\uff0c\u76f4\u63a5\u5f71\u54cd\u957f\u671f\u670d\u836f\u957f\u8005\u7684\u53e3\u888b\u8d1f\u62c5\u3002\u5982\u4f55\u6293\u4f4f10\u670815\u65e5-12\u67087\u65e5\u5e74\u5ea6\u8f6c\u6362\u671f\uff0c\u627e\u5230\u6700\u9002\u5408\u60a8\u7684\u5065\u4fdd\u8ba1\u5212\uff1f<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2025\u5e74\u5f00\u59cb\uff0c\u5904\u65b9\u836f\u5e74\u5ea6\u81ea\u4ed8\u989d\u4ece2024\u5e74\u7684$545\/\u5e74\u53d8\u6210\u4e86$590\/\u5e74\uff0c\u4e0a\u8c03\u4e86\u5c06\u8fd1$50\u3002\u53e6\u4e00\u9879\u91cd\u5927\u53d8\u5316\u5c31\u662f\u53d6\u6d88\u4e86\u201c\u751c\u751c\u5708\u6d1e<\/a>\u201d\uff0c\u5e76\u964d\u4f4e\u5e74\u5ea6\u81ea\u4ed8\u4e0a\u9650\u964d\u3002\u957f\u8005\u81ea\u4ed8\u836f\u7269\u8d39\u7528\u53ea\u8981\u8fbe\u5230$2,000\uff0c\u5c31\u65e0\u9700\u518d\u652f\u4ed8\u8be5\u5e74\u5ea6\u4efb\u4f55\u627f\u4fdd\u836f\u7269\u8d39\u7528\u3002\u8fd9\u9879\u6539\u53d8\u5c06\u5927\u5927\u51cf\u8f7b\u836f\u8d39\u6bd4\u8f83\u6602\u8d35\u957f\u8005\u7684\u7ecf\u6d4e\u8d1f\u62c5\uff0c\u56e0\u4e3a\u539f\u672c\u8fdb\u5165\u627f\u4fdd\u7f3a\u53e3\u201c\u751c\u751c\u5708\u6d1e\u201d\u540e\uff0c\u8fd8\u8981\u81ea\u638f\u8170\u5305\u76f4\u5230$8,000\uff0c\u624d\u4e0d\u7528\u518d\u4ed8\u94b1\u3002\u65b0\u7684\u53d8\u5316\u5c06\u5904\u65b9\u836f\u81ea\u4ed8\u4e0a\u9650\u51cf\u5c11\u5230$2,000\uff0c\u5e76\u4e14\u9488\u5bf9\u4e00\u4e9b\u5904\u65b9\u836fcopay\u6bd4\u8f83\u9ad8\u7684\u957f\u8f88\uff0c\u8fd8\u53ef\u4ee5\u9009\u62e9\u5206\u671f\u4ed8\u6b3e\uff0c\u4e0d\u9700\u8981\u4e00\u6b21\u6027\u652f\u4ed8\u3002\u9488\u5bf9\u53ea\u9700\u8981\u670d\u7528\u666e\u901a\u836f\u7269\u7684\u957f\u8005\u6765\u8bf4\uff0c\u5904\u65b9\u836f\u81ea\u4ed8\u4e0a\u9650\u964d\u4f4e\u53ef\u80fd\u4f1a\u5e26\u6765\u4e00\u4e9b\u5f71\u54cd\u3002\u8fd9\u4e9b\u5f71\u54cd\u53ef\u80fd\u53cd\u6620\u5728\u57fa\u7840\u836f\u54c1\u7684copay\u4e0a\u5347\u6216\u4fdd\u8d39\u589e\u52a0\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u4ec0\u4e48\u662f\u5904\u65b9\u836f\u7684\u751c\u751c\u5708\u6d1e? \u5df2\u662f\u8fc7\u53bb\u5f0f\uff01<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t2025\u5e74\u4ee5\u524d\u7ea2\u84dd\u5361\u5904\u65b9\u836f\u798f\u5229\u4e2d\u6709\u4e00\u4e2a\u7279\u522b\u7684\u540d\u8bcd\u2014\u2014\u751c\u751c\u5708\u6d1e(donut hole)<\/a><\/strong>\uff0c\u4e13\u4e1a\u540d\u79f0\u662fCoverage Cap\uff0c\u6307\u7684\u662f\u5f53\u60a8\u62ff\u836f\u7684\u836f\u54c1\u5e02\u573a\u4ef7(retail cost)\u91d1\u989d\u7d2f\u79ef\u5230\u67d0\u4e2a\u91d1\u989d\u65f6\uff0c\u5c31\u8fdb\u5165\u4e86\u751c\u751c\u5708\u6d1e\u3002\u8fdb\u5165\u751c\u751c\u5708\u6d1e\u9700\u8981\u81ea\u884c\u8d1f\u62c5\u836f\u4ef7\u768425%\u3002\u8d39\u7528\u7ee7\u7eed\u7d2f\u79ef\u5230\u81ea\u4ed8\u4e0a\u9650\u65f6\uff0c\u5c31\u53ef\u4ee5\u51fa\u53bb\u751c\u751c\u5708\u6d1e\uff0c\u4e0d\u518d\u7ee7\u7eed\u81ea\u884c\u627f\u62c5\u8d39\u7528\u3002\u76ee\u524d2024\u5e74\u751c\u751c\u5708\u6d1e\u7684\u89c4\u5219\u53ef\u4ee5\u5206\u4e3a\u56db\u4e2a\u9636\u6bb5\uff1a\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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1. \u81ea\u4ed8\u989d\u9636\u6bb5 Deductible<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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2024\u5e74\u7684\u81ea\u4ed8\u989d\u662f$545\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2. \u521d\u59cb\u627f\u4fdd\u9636\u6bb5 Initial Coverage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\u5728\u8fd9\u4e2a\u9636\u6bb5\uff0c\u5982\u679c\u662fAdvantage HMO\u8ba1\u5212\uff0c\u53ea\u9700\u8981\u6309\u7167\u4fdd\u9669\u516c\u53f8\u7684\u89c4\u5b9a\uff0c\u6839\u636e\u6240\u62ff\u836f\u54c1\u5177\u4f53\u5728\u4fdd\u9669\u8ba1\u5212\u662f\u7b2c\u51e0\u4e2aTier\u7b49\u7ea7\u7684\u836f\uff0c\u7136\u540e\u652f\u4ed8\u76f8\u5e94\u56fa\u5b9a\u7684copay\u3002\n\n\u6bd4\u5982Jardiance\u8fd9\u79cd\u7cd6\u5c3f\u75c5\u7684\u836f\u54c1\u5728A\u516c\u53f8\u7684B\u8ba1\u5212\u91cc\u662fTier 3\u7684\u836f\u54c1\uff0c\u90a3\u4e48A\u516c\u53f8\u89c4\u5b9aB\u8ba1\u5212\u91ccTier 3\u7684\u836f\u54c1\u53ea\u9700\u8981\u652f\u4ed8$35\uff0c\u6240\u4ee5\u5904\u65bc\u8fd9\u4e2a\u9636\u6bb5\u5927\u5bb6\u53ea\u9700\u8981\u6bcf\u6708\u652f\u4ed8$35\u5c31\u53ef\u4ee5\u62ff\u5230\u8fd9\u4e2a\u540d\u724c\u836f\u7269\uff0c\u76f4\u5230\u836f\u7269\u7684\u4ef7\u683c\u7d2f\u79ef\u5230\u4e86$5,030\uff0c\u5c31\u4f1a\u8fdb\u5165\u5230\u4e0b\u4e00\u4e2a\u9636\u6bb5\u3002\n\n\u5982\u679c\u662fPart D\uff0c\u5219\u8981\u5148\u652f\u4ed8\u6ee1\u81ea\u4ed8\u989d\uff0c\u7136\u540e\u518d\u6309\u7167\u4fdd\u9669\u516c\u53f8\u662f\u628a\u8fd9\u4e2a\u836f\u5b9a\u4ef7\u5728\u7b2c\u51e0\u4e2a\u7b49\u7ea7\u6765\u652f\u4ed8\u56fa\u5b9a\u7684\u8d39\u7528\u3002\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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3. \u627f\u4fdd\u7f3a\u53e3\u9636\u6bb5 Coverage Gap<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u627f\u4fdd\u7f3a\u53e3\u9636\u6bb5\u4e5f\u53eb\u505a\u201cdonut hole\u201d\u751c\u751c\u5708\u6d1e\uff0c\u8fdb\u5165\u5230\u8fd9\u4e2a\u9636\u6bb5\u4ee5\u540e\u9700\u8981\u627f\u62c5\u836f\u539f\u4ef7\u768425%\u3002\u6bd4\u5982Jardiance\u4f5c\u4e3a\u63a7\u5236\u8840\u7cd6\u7684\u540d\u724c\u836f\u7269\uff0c\u5b83\u7684\u539f\u4ef7\u7ea6$550\uff0c\u6240\u4ee5\u5982\u679c\u8fdb\u5165\u5230\u751c\u751c\u5708\u6d1e\u8fd9\u4e2a\u9636\u6bb5\uff0c\u90a3\u4e48\u5c31\u9700\u8981\u652f\u4ed8$550\u768425%\uff0c\u5927\u7ea6\u662f$137\u3002\u5f53\u81ea\u4ed8\u836f\u7269\u8d39\u7528\u8fbe\u5230\u4e86$8,000\uff0c\u4e5f\u5c31\u662f\u8bf4\u60a8\u652f\u4ed8\u7684\u8d39\u7528\u4ee5\u53ca\u4fdd\u9669\u8ba1\u5212\u5e2e\u52a9\u652f\u4ed8\u7684\u836f\u7269\u4ef7\u683c\u4e00\u5e74\u7d2f\u8ba1\u5230$8,000\u540e\uff0c\u5c31\u4f1a\u8fdb\u5165\u5230\u4e0b\u4e00\u4e2a\u9636\u6bb5\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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4. \u836f\u7269\u707e\u96be\u6027\u627f\u4fdd\u9636\u6bb5<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u836f\u7269\u707e\u96be\u6027\u627f\u4fdd\u9636\u6bb5\u4e5f\u53ef\u4ee5\u53eb\u505a\u836f\u7269\u91cd\u5927\u4f24\u75c5\u627f\u4fdd\u9636\u6bb5\uff0c\u5728\u8fd9\u4e00\u4e2a\u9636\u6bb5\u5c31\u4e0d\u9700\u8981\u518d\u652f\u4ed8\u627f\u4fdd\u836f\u7269\u7684copay\u5171\u4ed8\u989d\u4e86\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2025\u7ea2\u84dd\u5361\u4fdd\u9669\u5e74\u5ea6\u8f6c\u6362\u671f<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u5e74\u5ea6\u8f6c\u6362\u671f\u5c06\u572810\u670815\u65e5-12\u67087\u65e5\u8fdb\u884c\uff0c\u5efa\u8bae\u957f\u8f88\u670b\u53cb\u4eec\u5343\u4e07\u4e0d\u8981\u9519\u8fc7\u8fd9\u4e2a\u4e00\u5e74\u4e00\u5ea6\u7684\u597d\u673a\u4f1a\uff0c\u8054\u7edc\u534e\u5174\u4fdd\u9669\uff0c\u91cd\u65b0\u5ba1\u89c6\u60a8\u7684\u7ea2\u84dd\u5361\u5065\u5eb7\u4fdd\u9669\u3002\u5c24\u5176\u662f\u5bf9\u5904\u65b9\u836f\u798f\u5229\u6709\u7279\u522b\u9700\u6c42\u7684\u957f\u8005\uff0c\u5efa\u8bae\u63d0\u524d\u6e05\u70b9\u3001\u6e96\u5907\u597d\u60a8\u7684\u5904\u65b9\u836f\u5355\uff0c\u4ea4\u4e88\u4e13\u5458\u6838\u5bf9\uff0c\u4ee5\u4fbf\u66f4\u5feb\u4e3a\u60a8\u627e\u5230\u9002\u5408\u60a8\u7684\u5065\u4fdd\u8ba1\u5212\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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