Izinhlelo zeNew York Medicare ngo-2021

-Delile

• Yini iMedicare?
• Yiziphi izinhlelo zeMedicare Advantage ezitholakala eNew York?
• Ngubani ofanelekela i-Medicare eNew York?
• Ngingabhalisa nini ezinhlelweni zeMedicare New York?
• Amathiphu wokubhalisa kwi-Medicare eNew York
• Izinsiza zeNew York Medicare
• Yini okufanele ngiyenze ngokulandelayo?

I-Medicare uhlelo lomshuwalense wezempilo olunikezwa uhulumeni wase-United States. AbaseNew York ngokuvamile bayakufanelekela ukuthola iMedicare lapho beba neminyaka engama-65, kepha ungafaneleka usemncane uma unokukhubazeka okuthile noma izimo zezokwelapha.

Funda ukuze ufunde kabanzi nge-Medicare New York, kufaka phakathi ukuthi ngubani ofanelekile, ukuthi ungabhalisa kanjani, namathiphu okuthenga izinhlelo ze-Medicare Advantage ngo-2021.

Yini iMedicare?

Uma ufanele iMedicare, kunezindlela ezimbili ongathola ngazo. Enye yi-Medicare yasekuqaleni, uhlelo lwendabuko oluqhutshwa uhulumeni. Okunye izinhlelo zeMedicare Advantage, ezinikezwa izinkampani zomshuwalense njengenye indlela yeMedicare yasekuqaleni.

I-Original Medicare inezingxenye ezimbili:

• Ingxenye A (umshuwalense wesibhedlela). Ingxenye A ikusiza ukhokhele ukulala esibhedlela, ukunakekelwa kwe-hospice nokunakekelwa kwempilo ekhaya. Kwezinye izimo, kungabhekela ukunakekelwa kwabahlengikazi abanekhono kwesikhashana.
• Ingxenye B (umshuwalense wezokwelapha). Ingxenye B ihlanganisa uhlu olude lwezinsizakalo ezidingekayo kwezokwelapha. Lokhu kufaka phakathi izinsizakalo zodokotela, ukunakekelwa kweziguli ezingaphandle, ukuhlolwa kwezempilo, izinsizakalo zokuvimbela, nemishini yezokwelapha ehlala njalo.

I-Original Medicare ayihlanganisi amaphesenti ayi-100 wezindleko zakho zokunakekelwa kwezempilo. Ukuze uthole ukwaziswa okwengeziwe, ungakhetha ukubhalisela enye yalezi zinqubomgomo zomshuwalense ezengeziwe:

• IMedigap (Umshuwalense wokungezelela weMedicare). Lezi zinqubomgomo zisiza ukugcwalisa izikhala kwi-Medicare yangempela. Izinqubomgomo zeMedigap zingabandakanya ukuqinisekiswa kwemali, ukukhokhelwa kwemali kanye nokudonswa kwemali, kanye nezinzuzo ezengeziwe njengokufakwa kwezimo eziphuthumayo kokuhamba kwamanye amazwe.
• Ingxenye D (ukumbozwa kwezidakamizwa kadokotela). Izinhlelo zeMedicare Part D zikusiza ukuthi ukhokhele imishanguzo yakho kadokotela.

Izinhlelo zeMedicare Advantage zingenye indlela ongakhetha kuyo.Lezi zinhlelo ezihlanganisiwe kumele zimboze konke ku-Medicare yasekuqaleni, futhi zivame ukufaka ukumbozwa kwezidakamizwa kadokotela. Ngokuya ngohlelo, ungathola futhi ezinye izinhlobo zokumbozwa, njengokunakekelwa kwamazinyo, ukunakekelwa kombono, noma ubulungu bejimu.

Yiziphi izinhlelo zeMedicare Advantage ezitholakala eNew York?

Lapho uqala ukuthenga izinhlelo zeMedicare eNew York, uzobona ukuthi kunezinketho eziningi. Ngo-2021, izinkampani zomshuwalense ezilandelayo zidayisa izinhlelo zeMedicare Advantage eNew York:

• Uhlelo lwe-Healthfirst Health Plan, Inc.
• I-Excellus Health Plan, Inc.
• Inkampani ye-Aetna Life Insurance
• I-UnitedHealthcare yaseNew York, Inc.
• Uhlelo Lomshwalense Wezempilo waseGreater New York
• I-Empire HealthChoice HMO, Inc.
• I-Independent Health Association, Inc.
• Uhlelo lweMVP Health, Inc.
• Izinhlelo ze-Oxford Health Plans (NY), Inc.
• I-HealthNow New York, Inc.
• ISierra Health and Life Insurance Company, Inc.
• Uhlelo lweNew York State Catholic Health Plan, Inc.
• I-Capital District Physicians 'Health Plan, Inc.
• Inkampani yase-American Progressive Life & Health Insurance yaseNew York
• I-WellCare yaseNew York, Inc.
• Inkampani ye-Humana Insurance yaseNew York
• I-Elderplan, Inc.

Ukutholakala kuyahlukahluka esifundeni. Ngaphambi kokukhetha uhlelo, shayela umhlinzeki bese uqinisekisa ukuthi bayayimboza indawo yangakini.

Ngubani ofanelekela i-Medicare eNew York?

E-New York State, ufanelekile ukuthola i-Medicare uma uwela kwelinye lamaqembu afanelekayo ohlelo:

• uneminyaka engu-65 noma ngaphezulu
• uneminyaka engaphansi kwengama-65 futhi usuthole Umshuwalense Wokukhubazeka Komphakathi izinyanga ezingama-24
• unesifo se-renal end (ESRD) noma i-amyotrophic lateral sclerosis (ALS)

Ngaphezu kwalokho, izinhlelo zeMedicare Advantage zinemithetho yokufaneleka. Ungajoyina olunye lwalezi zinhlelo uma uhlala endaweni yesevisi yohlelo futhi usubhalisele izingxenye zeMedicare A no-B.

Ngingabhalisa nini ezinhlelweni zeMedicare New York?

Uma ufanelekela i-Medicare ngokuya ngeminyaka yakho, ithuba lakho lokuqala lokufaka isicelo likhona ngesikhathi sakho sokubhalisa sokuqala. Lesi sikhathi siqala izinyanga ezintathu ngaphambi kwenyanga uhlanganisa iminyaka engama-65 bese uphela izinyanga ezi-3 ngemuva kwenyanga yakho yokuzalwa. Ungabhalisela i-Medicare nganoma yisiphi isikhathi ngalesi sikhathi sezinyanga eziyi-7.

Uma uphuthelwa Isikhathi Sakho Sokuqala Sokubhalisa, ungabhalisela i-Medicare ngesikhathi Sokubhaliswa Okujwayelekile. Lokhu kuqala kusuka ku- Januwari 1 kuya ku-Mashi 31 minyaka yonke. Qaphela ukuthi uma ubhalisa sekwephuzile, kungadingeka ukuthi ukhokhe amaprimiyamu aphakeme kakhulu ngenyanga ngokumbozwa kwakho.

Ungasifanelekela isikhathi esikhethekile sokubhalisa esikuvumela ukuthi ubhalisele iMedicare nganoma yisiphi isikhathi ngaphandle kokukhokha inhlawulo. Uma unemisebenzi esekwe emisebenzini, ungabhalisa noma kunini. Ungakwazi futhi ukuthola isikhathi esikhethekile sokubhalisa uma ulahlekelwa ukumbozwa kwakho okususelwa emsebenzini.

I-Original Medicare iwukuzenzakalelayo kwababhalisile abasha, kodwa kulula ukubhalisela uhlelo lweMedicare Advantage uma ngabe yilokho okuthandayo. Ungabhalisela enye yalezi zinhlelo ze-Medicare ngesikhathi sakho sokubhalisa sokuqala. Ungabhalisela futhi ngesikhathi sokubhaliswa okuvulekile kokuwa kwe-Medicare, okusukela Okthoba 15 kuya kuDisemba 7.

Amathiphu wokubhalisa kwi-Medicare eNew York

Lapho uthatha isinqumo sokuthi yiluphi uhlobo lwecebo olusebenza kangcono kuwe, cabanga ngokulandelayo:

• Izindleko eziphuma ephaketheni. Amaphrimiyamu ohlelo lwanyanga zonke akuzona izindleko kuphela okufanele uzicabangele njengoba uqhathanisa izinhlelo. Uzobuye ukhokhele i-coinsurance, ama-copayments, kanye nemali ekhishwayo uze uhlangabezane nomkhawulo wohlelo lwakho lwaminyaka yonke ophuma ephaketheni.
• Izinsizakalo zihlanganisiwe. Zonke izinhlelo ze-Medicare Advantage zimboza izinsizakalo ze-Medicare izingxenye A no-B, kepha ezinye izinsizakalo ezihlanganisiwe zingahluka. Yenza uhlu lwamasevisi ongathanda uhlelo lwakho ukuwahlanganisa, futhi ugcine uhlu lwakho lwesifiso engqondweni njengoba uthenga ezungeze.
• Ukukhetha udokotela. Izinhlelo zeMedicare ngokuvamile zinenethiwekhi yodokotela nabanye abahlinzeki bezempilo. Ngaphambi kokukhetha uhlelo, qiniseka ukuthi odokotela bakho bamanje bakunethiwekhi.
• Izilinganiso zezinkanyezi. I-Centers for Medicare & Medicaid Services (CMS) Uhlelo lwe-Five-Star Rating System ingakusiza ekutholeni izinhlelo zekhwalithi ephezulu. Izilinganiso ze-CMS zisekelwe kusevisi yamakhasimende, ukuxhumanisa ukunakekelwa, ikhwalithi yokunakekelwa kwempilo nezinye izinto ezikuthintayo.
• Izidingo zezempilo. Uma unesimo sempilo esingapheli, njengesifo sikashukela noma i-HIV, ungahle ufune uHlelo Lwezidingo Ezikhethekile. Lezi zinhlelo zinikeza ukumboza okwenzelwe abantu abanezimo ezithile zezempilo.

Izinsiza zeNew York Medicare

Ukuze ufunde kabanzi mayelana nezinhlelo ze-Medicare ne-Medicare Advantage, ungaxhumana:

• Uhlelo lweNew York State Insurance Insurance Information, Counselling, kanye ne-Assistance Program: 800-701-0501
• Ukuphathwa Kwezokuphepha Komphakathi: 800-772-1213

Yini okufanele ngiyenze ngokulandelayo?

Uma usukulungele ukuthola i-Medicare noma ukufunda kabanzi mayelana nezinketho zakho zohlelo, nakhu ongakwenza:

• Ukuze uthole izingxenye ze-Medicare A no-B, gcwalisa uhlelo oluku-inthanethi lwe-Social Security Administration. Uma uthanda, ungafaka isicelo mathupha noma ngocingo.
• Uma ufuna ukubhalisela uhlelo lwe-Medicare Advantage, ungathenga izinhlelo ku-Medicare.gov. Ngemuva kokukhetha uhlelo, ungabhalisa ku-inthanethi.

Lo mbhalo uvuselelwe ngo-Okthoba 5, 2020 ukukhombisa izindleko zeMedicare ngo-2021.

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.