Part D Prescription Drug Plans
医疗保险D部分处方药计划
You can sign up for Part D Prescription Drug Plans, which helps cover prescription drug costs, along with other components of Medicare starting three months before your 65th birthday, or if you are under 65 and eligible for Medicare.
您可以在65岁生日前三个月开始注册医疗保险D部分处方药计划，该计划帮助覆盖处方药费用，或者如果您未满65岁并符合医疗保险资格，也可以注册。
It's important to do this on time because there' may be a permanent premium surcharge for enrolling after your initial enrollment period if you don't have equivalent drug coverage from another source, such as a retiree plan.
及时注册非常重要，因为如果您在初始注册期后注册，而没有来自其他来源（如退休计划）的等效药物覆盖，可能会面临永久性保费附加费。
Let us help you with your enrollment
让我们帮助您注册
If you are already enrolled in a Part D "standalone" plan or a Medicare Advantage plan that incorporates drug coverage, you can switch plans during the open-enrollment period, which runs from Oct. 15 to Dec. 7 every year.
如果您已经注册了一个D部分“独立”计划或包含药物覆盖的医疗保险优选计划，您可以在每年的开放注册期（10月15日至12月7日）期间切换计划。
Making Part D work
使D部分发挥作用
In 2024, you are facing higher out-of-pocket drug costs before you can qualify for catastrophic coverage. The out-of-pocket spending threshold will increase by $600, from $7,400 to $8,000 in 2024.
在2024年，您在达到灾难性覆盖之前，将面临更高的自付药物费用。自付费用阈值将增加600美元，从7400美元增加到8000美元。
You will also face higher out-of-pocket costs in 2024 for the deductible and in the initial coverage phase before reaching the catastrophic coverage. The standard deductible is increasing from $505 in 2023 to no more then $545 in 2024, while the initial coverage limit is increasing from 4,660 in 2023 to $5,030 in 2024.
2024年，您在达到灾难性覆盖之前，还将面临更高的自付费用，包括免赔额和初始覆盖阶段的费用。标准免赔额将从2023年的505美元增加到2024年的不超过545美元，而初始覆盖限额将从2023年的4660美元增加到2024年的5030美元。
For costs in the coverage gap phase, beneficiaries will pay 25% for both brand-name and generic drugs. Manufacturers provide a 70% discount on brands and plans pay the remaining 5% of costs for brand name drugs. Plans pay the remaining 75% of generic drug costs.
在覆盖缺口阶段，受益人需要支付25%的品牌药和仿制药费用。制造商为品牌药提供70%的折扣，计划支付剩余5%的品牌药费用，而计划支付仿制药费用的剩余75%。
Choosing a plan
选择计划
It pays to review your Part D coverage every year, especially if you have started taking new drugs.
每年查看您的D部分覆盖是有益的，特别是如果您开始服用新药物
- Start at Medicare.gov, where you can find the basics about the benefit and Part D plans. There's a link to the Medicare Part D Plan Finder, which allows you to compare offerings and coverage options in your area and includes a helpful formulary finder that allows you to compare plans based on their coverage of your personalized list of drugs. It will even show you your monthly out-of-pocket drug cost for the year
- 您可以从Medicare.gov开始，了解相关福利和D部分计划的基础知识。网站提供了医疗保险D部分计划查找工具的链接，允许您比较您所在地区的产品和覆盖选项，并包括有用的药物清单查找器，可以根据您的个性化药物清单比较计划。它甚至会向您展示您全年每月的自付药物费用。
Call us to help you understand your options.
请致电我们，帮助您了解您的选择。
Getting financial help
获取经济帮助
Individuals with 2023 annual incomes of less than $21,870 and financial resources of , or married couples with incomes of less than r $29,580 and financial resources of , might qualify for Extra Help from Medicare to pay their Part D premiums and out-of-pocket drug costs.
2023年年收入低于21,870美元、金融资源不超过16,600美元的个人，或收入低于29,580美元、金融资源不超过33,240美元的已婚夫妇，可能有资格获得医疗保险的额外帮助，以支付D部分的保费和自付药物费用。
See Medicare's instructions on applying for the Extra Help program.
Additionally, read about the ways to lower your drug costs on Medicare.gov.
This information was obtained from www.medicare.gov
By contacting the phone number on this website you will be directed to a licensed agent.
通过拨打该网站上的电话号码，您将被引导联系到持牌代理人。