Mapulani a New York Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Ndi mapulani ati a Medicare Advantage omwe akupezeka ku New York?
• Ndani ali woyenera ku Medicare ku New York?
• Ndingalembetse liti ku mapulani a Medicare New York?
• Malangizo pakulembetsa ku Medicare ku New York
• Zida za New York Medicare
• Ndiyenera kuchita chiyani kenako?

Medicare ndi pulogalamu ya inshuwaransi yazaumoyo yoperekedwa ndi boma la United States. Anthu a ku New York amakhala oyenera kulandira Medicare akafika zaka 65, koma mutha kukhala oyenerera mukadali achichepere ngati muli ndi zolemala kapena matenda.

Werengani kuti mudziwe zambiri za Medicare New York, kuphatikiza omwe ali oyenera, momwe angalembetsere, ndi maupangiri ogulira mapulani a Medicare Advantage mu 2021.

Medicare ndi chiyani?

Ngati mukuyenerera Medicare, pali njira ziwiri zomwe mungapezere chithandizo. Imodzi ndi Medicare yoyambirira, pulogalamu yoyendetsedwa ndi boma. Zina ndi mapulani a Medicare Advantage, omwe amaperekedwa ndi makampani a inshuwaransi ngati njira ina yoyambirira ya Medicare.

Medicare Yoyamba ili ndi magawo awiri:

• Gawo A (inshuwaransi ya chipatala). Gawo A limakuthandizani kulipira ogona kuchipatala, chisamaliro cha odwala, komanso chithandizo chamankhwala kunyumba. Nthawi zina, imatha kuthana ndiunamwino waluso kwakanthawi.
• Gawo B (inshuwaransi ya zamankhwala). Gawo B limakhudza mndandanda wonse wazithandizo zofunikira. Izi zikuphatikiza ntchito za madotolo, chisamaliro cha odwala akunja, kuwunika zaumoyo, ntchito zodzitetezera, komanso zida zolimbitsa thupi.

Medicare Yoyambirira siyimalipira 100% yazamalipiro anu azaumoyo. Kuti mumve zambiri, mungasankhe kulembetsa imodzi mwamainshuwaransi awa:

• Medigap (Medicare inshuwaransi yowonjezera). Ndondomekozi zimathandizira kudzaza mipata mu Medicare yoyambirira. Ndondomeko za Medigap zitha kuphatikizira ndalama zandalama, zolipiritsa, ndi zochotseredwa, komanso maubwino owonjezera monga kufotokozeredwa kwadzidzidzi kwakunja.
• Gawo D (cholemba mankhwala). Madongosolo a Medicare Part D amakuthandizani kulipirira mankhwala omwe mumalandira.

Mapulani a Medicare Advantage ndiye njira ina. Mapulani amtunduwu ayenera kufotokoza zonse mu Medicare yoyambirira, ndipo nthawi zambiri amaphatikizanso mankhwala omwe amaperekedwa ndi mankhwala. Kutengera ndi dongosololi, mutha kupezanso mitundu ina yophimba, monga chisamaliro cha mano, chisamaliro cha masomphenya, kapena mamembala a masewera olimbitsa thupi.

Ndi mapulani ati a Medicare Advantage omwe akupezeka ku New York?

Mukayamba kugula mapulani a Medicare ku New York, muwona kuti pali zosankha zambiri. Mu 2021, makampani otsatirawa a inshuwaransi amagulitsa mapulani a Medicare Advantage ku New York:

• Malingaliro a kampani Healthfirst Health Plan, Inc.
• Mtengo wa magawo Excellus Health Plan, Inc.
• Kampani ya Aetna Life Insurance
• UnitedHealthcare ya New York, Inc.
• Ndondomeko ya Inshuwaransi Yathanzi ku New York
• Gawo la Empire HealthChoice HMO, Inc.
• Bungwe la Independent Health Association, Inc.
• MVP Health Plan, Inc.
• Mapulani a Oxford Health Plans (NY), Inc.
• HealthNow New York, Inc.
• Sierra Health ndi Company Insurance Company, Inc.
• Bungwe la New York State Catholic Health Plan, Inc.
• Capital District Physicians 'Health Plan, Inc.
• American Progressive Life & Health Insurance Kampani ya New York
• WellCare waku New York, Inc.
• Kampani ya Humana Insurance ku New York
• Akulu, Inc.

Kupezeka kumasiyana malinga ndi dera. Musanasankhe pulani, itanani wothandizirayo kuti mutsimikizire kuti akutenga dera lanu.

Ndani ali woyenera ku Medicare ku New York?

Ku New York State, mukuyenera kulandira Medicare ngati mungakhale mgulu la omwe akuyenera kulandira pulogalamuyi:

• ndinu wazaka 65 kapena kupitirira
• ndinu ochepera zaka 65 ndipo mwalandira Inshuwaransi Yolemala ya Social Security kwa miyezi 24
• muli ndi matenda am'magazi (ESRD) kapena amyotrophic lateral sclerosis (ALS)

Kuphatikiza apo, mapulani a Medicare Advantage ali ndi malamulo oyenerera. Mutha kujowina imodzi mwa mapulaniwa ngati mukukhala m'dera lomwe mudatumizidwapo ndipo mwalembetsa kale ku Medicare magawo A ndi B.

Ndingalembetse liti ku mapulani a Medicare New York?

Ngati mukuyenera kulandira Medicare kutengera msinkhu wanu, mwayi wanu woyamba kulembetsa ndi Nthawi Yanu Yolembetsa Koyamba. Nthawi imeneyi imayamba miyezi itatu mwezi usanakwanitse zaka 65 ndipo umatha miyezi 3 mwezi wakubadwa wanu. Mutha kulembetsa ku Medicare nthawi iliyonse mkati mwa miyezi 7 iyi.

Ngati mwaphonya Nthawi Yanu Yolembetsa Koyamba, mutha kulembetsa ku Medicare pa Nthawi Yolembetsa Yonse. Izi zikuyenda kuchokera Januware 1 mpaka Marichi 31 chaka chilichonse. Dziwani kuti ngati mungalembetse mochedwa, mungafunike kulipira ndalama zowonjezera pamwezi kuti muthe kufalitsa.

Mutha kukhala oyenerera kulembetsa nthawi yomwe imakupangitsani kulembetsa ku Medicare nthawi iliyonse popanda kulipira. Ngati muli ndi ntchito yolemba, mutha kulembetsa nthawi iliyonse. Muthanso kukhala ndi mwayi wolembetsa ngati mutaya mwayi wokhudzana ndi ntchito.

Medicare yapachiyambi ndiyomwe imalembedwa kwa olembetsa atsopano, koma ndizosavuta kulembetsa dongosolo la Medicare Advantage ngati ndizomwe mumakonda. Mutha kulembetsa imodzi mwama projekitiyi a Medicare munthawi yoyamba kulembetsa. Mutha kulembetsanso nthawi yolembetsa kulembetsa kwa Medicare, yomwe imachokera Ogasiti 15 mpaka Disembala 7.

Malangizo pakulembetsa ku Medicare ku New York

Mukasankha mtundu wamapulani omwe angakuthandizeni, ganizirani izi:

• Ndalama zotuluka m'thumba. Ndalama zoyendetsera mwezi uliwonse sizokhazo zomwe mungaganizire mukamayerekezera mapulani. Mulipiranso ndalama zandalama, zolipiritsa, ndi zochotseredwa mpaka mukakwaniritse malire anu apachaka otuluka m'thumba.
• Ntchito zimaphimbidwa. Madongosolo onse a Medicare Advantage amakhudza ntchito za Medicare za A ndi B, koma ntchito zina zothandizidwa zimasiyana. Lembani mndandanda wazomwe mungafune kuti mupange, ndipo sungani mndandanda wazomwe mukufuna mukamagula.
• Kusankha dokotala. Madongosolo a Medicare nthawi zambiri amakhala ndi gulu la madokotala ndi othandizira ena azaumoyo. Musanasankhe pulani, onetsetsani kuti madotolo anu pano ali pa intaneti.
• Mavoti a nyenyezi. Centers for Medicare & Medicaid Services (CMS) Makina asanu a Star Star System angakuthandizeni kupeza mapulani apamwamba. Mavoti a CMS amatengera ntchito yamakasitomala, mgwirizano, chisamaliro chaumoyo ndi zina zomwe zimakukhudzani.
• Zosowa zaumoyo. Ngati muli ndi matenda osachiritsika, monga matenda ashuga kapena HIV, mungafunefune Mapulani Apadera. Mapulaniwa amapereka chithandizo chofananira kwa anthu omwe ali ndi thanzi labwino.

Zida za New York Medicare

Kuti mudziwe zambiri za mapulani a Medicare ndi Medicare Advantage, mutha kulumikizana ndi:

• New York State Health Insurance Information, Counselling, ndi Thandizo Program: 800-701-0501
• Utsogoleri wa Social Security: 800-772-1213

Ndiyenera kuchita chiyani kenako?

Mukakonzeka kupeza Medicare kapena kuti mudziwe zambiri pazomwe mungasankhe, nazi zomwe mungachite:

• Kuti mupeze Medicare mbali A ndi B, lembani ntchito za Social Security Administration pa intaneti. Ngati mukufuna, mutha kulembetsanso nokha kapena pafoni.
• Ngati mukufuna kulembetsa dongosolo la Medicare Advantage, mutha kugula mapulani ku Medicare.gov. Mukasankha pulani, mutha kulembetsa pa intaneti.

Nkhaniyi idasinthidwa pa Okutobala 5, 2020 kuwonetsa mtengo wa Medicare mu 2021.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.