New York Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Ndeapi maMedicare Advantage zvirongwa zviripo muNew York?
• Ndiani anokodzera Medicare muNew York?
• Ndirini pandinogona kunyoresa muMedicare New York zvirongwa?
• Matipi ekunyoresa muMedare muNew York
• New York Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Medicare chirongwa cheinishuwarenzi chehutano chinopihwa nehurumende yeUnited States. Vanhu veNew York vanowanzo kodzera Medicare pavanosvitsa makore makumi matanhatu nemashanu, asi iwe unogona kuve unokodzera pazera diki kana uine hurema kana mamiriro ekurapa.

Verenga pamusoro kuti udzidze zvakawanda nezveMedicare New York, kusanganisira avo vanokodzera, kunyoresa, uye matipi ekutenga zvirongwa zveMedicare Advantage muna 2021.

Chii chinonzi Medicare?

Kana iwe uchikodzera Medicare, pane nzira mbiri dzaunogona kuwana kufukidzwa. Imwe ndeye yekutanga Medicare, chirongwa chetsika chinotungamirirwa nehurumende. Iyo imwe ndeyeMedicare Advantage zvirongwa, izvo zvinopihwa nemakambani einishuwarenzi seimwe nzira kune yekutanga Medicare

Original Medicare ine zvikamu zviviri:

• Chikamu A (inishuwarenzi yechipatara). Chikamu A chinokubatsira kubhadhara inpatient hospital kugara, kutarisira varwere, uye kuchengetwa kwehutano hwepamba. Mune mamwe mamiriro ezvinhu, inogona kuvhara kwenguva pfupi hunyanzvi hwekuchengetwa kwevanamukoti.
• Chikamu B (inishuwarenzi yekurapa). Chikamu B chinofukidza runyorwa rurefu rwemabasa anodikanwa ekurapa. Izvi zvinosanganisira mabasa echiremba, kurapwa kwevanorapwa kunze, kuongororwa kwehutano, mabasa ekudzivirira, nemidziyo yekurapa yakasimba.

Yekutanga Medicare haifukidze zana muzana yemitengo yehutano hwako. Kuti uwane kufukidzwa kwakawanda, iwe unogona kusarudza kusainira imwe yeaya anowedzera einishuwarenzi marongero:

• Medigap (Medicare yekuwedzera inishuwarenzi). Aya marongero anobatsira kuzadza maburi mune yekutanga Medicare. Mitemo yeMedigap inogona kuvhara mari yemubhadharo, macopayments, uye zvinokamurwa, pamwe nekuwedzera mabhenefiti senge mafambiro ekunze ekukurumidza kufukidzwa.
• Chikamu D (chinodhaka chinodhaka chinodhaka). Medicare Chikamu D zvirongwa zvinokubatsira iwe kubhadhara yako yemishonga mishonga.

Medicare Kubatsira zvirongwa ndeimwe yako sarudzo. Aya marongero akarongedzwa anofanirwa kufukidza zvese mune yekutanga Medicare, uye ivo vanowanzo sanganisira yekunyora mishonga yekuvhara, zvakare. Zvichienderana nechirongwa, iwe unogona zvakare kuwana mamwe marudzi evhavha, senge kutarisirwa mazino, kutarisirwa kwekuona, kana kunyangwe nhengo dzekurovedza muviri.

Ndeapi maMedicare Advantage zvirongwa zviripo muNew York?

Paunotanga kutenga zvirongwa zveMedare muNew York, uchaona kuti pane zvakawanda zvingasarudzwa. Muna 2021, anotevera makambani einishuwarenzi anotengesa zvirongwa zveMedicare Advantage muNew York:

• Healthfirst Hutano Chirongwa, Inc.
• Excellus Health Plan, Inc.
• Aetna Hupenyu Inishuwarenzi Kambani
• UnitedHealthcare yeNew York, Inc.
• Hutano Inishuwarenzi Chirongwa cheGreater New York
• Empire HealthChoice HMO, Inc.
• Independent Hutano Association, Inc.
• MVP Hutano Hurongwa, Inc.
• Oxford Health Plans (NY), Inc.
• HutanoNow New York, Inc.
• Sierra Health uye Hupenyu Inishuwarenzi Kambani, Inc.
• Sangano reNew York State Catholic Health Plan, Inc.
• Capital District Vanachiremba 'Hutano Chirongwa, Inc.
• American Progressive Hupenyu & Hutano Inishuwarenzi Kambani yeNew York
• WellCare yeNew York, Inc.
• Humana Inishuwarenzi Kambani yeNew York
• Elderplan, Inc.

Kuwanika kunosiyana nedunhu. Usati wasarudza chirongwa, fonera mupi uye simbisa kuti vanovhara nzvimbo yako.

Ndiani anokodzera Medicare muNew York?

MuNew York State, unokodzera Medicare kana ukawira mune rimwe remapoka anokodzera echirongwa:

• une makore makumi matanhatu nemashanu kana kupfuura
• iwe uri pasi pemakore makumi matanhatu nemashanu uye wakagamuchira Social Security Disability Insurance kwemwedzi makumi maviri nemana
• une chirwere chekupedzisira renal chirwere (ESRD) kana amyotrophic lateral sclerosis (ALS)

Uye zvakare, zvirongwa zveMedare zvinobatsira zvine mitemo yekufanirwa. Iwe unogona kujoina imwe yeaya marongero kana iwe uchigara munzvimbo yebasa reurongwa uye watotinyorera kuMedare zvikamu A uye B.

Ndirini pandinogona kunyoresa muMedicare New York zvirongwa?

Kana iwe uchikodzera Medicare zvinoenderana nezera rako, mukana wako wekutanga wekushandisa uri panguva yako Yekutanga Kunyoresa Nguva. Iyi nguva inotanga mwedzi mitatu mwedzi usati wasvitsa makore makumi matanhatu nemashanu uye inopera mwedzi mitatu mushure memwedzi wako wekuzvarwa. Iwe unogona kusaina kuMedicare chero nguva panguva ino yemwedzi minomwe.

Kana iwe ukarasikirwa neKutanga Yekunyoresa Nguva yako, iwe unogona kusaina kuMedare panguva yeNguva Yekunyoresa Nguva. Izvi zvinotiza kubva Ndira 1 kusvika Kurume 31 makore ose. Ziva kuti kana ukasaina kunonoka, ungangoda kubhadhara mari yepamusoro yemwedzi pamubhadharo wako.

Iwe unogona kukodzera kunyoresa kunyoresa nguva iyo inokutendera iwe kusaina kuMedare chero nguva pasina kubhadhara chirango. Kana iwe uine basa-based kufukidza, iwe unogona kusaina chero nguva. Iwe unogona zvakare kukodzera kune yakasarudzika kunyoresa nguva kana iwe ukarasikirwa nebasa rako-rakavakirwa kufukidzwa.

Chekutanga Medicare ndiyo yekumisikidza yevanyoresa nyowani, asi zviri nyore kusaina chirongwa cheMedicare Advantage kana zviri izvo zvaunofarira. Iwe unogona kusainira imwe yeaya marongero eMedare panguva yako Yekutanga Kunyoresa Nguva. Iwe unogona zvakare kusaina panguva yeMedicare yekudonha yakavhurika kunyoresa, iyo inomhanya kubva Gumiguru 15 kusvika Zvita 7.

Matipi ekunyoresa muMedare muNew York

Paunenge uchisarudza kuti ndeupi rudzi rwehurongwa hunoshanda zvakanyanya kwauri, funga zvinotevera:

• Kunze-kwe-muhomwe mari. Mapuramu emwedzi emwedzi haazi iwo chete mutengo wekutarisa paunenge uchienzanisa zvirongwa. Iwe uchazobhadhara mari yemubhadharo, macopayments, uye zvinokamurwa kusvika iwe uchinge wasangana nechirongwa chako chegore rose kunze-kwehomwe muganho.
• Services akafukidzwa. Yese Medicare Advantage inoronga kufukidza Medicare zvikamu A uye B masevhisi, asi mamwe akavharwa masevhisi anogona kusiyana. Gadzira rondedzero yemasevhisi iwe aungade yako kuronga kuvhara, uye chengeta yako yekuda rondedzero mupfungwa iwe paunotenderera uchitenderera.
• Chiremba sarudzo. Medicare zvirongwa kazhinji zvine network yevanachiremba nevamwe vanopa hutano. Usati wasarudza chirongwa, ita shuwa kuti vanachiremba vako varipo vari mumambure.
• Nyeredzi nyeredzi. Iwo maCentre eMedicare & Medicaid Services (CMS) mashanu-Nyeredzi Kuyera Sisitimu inogona kukubatsira iwe kuwana epamusoro-soro marongero. Kuyera kweCMS kunoenderana nebasa revatengi, kubatana kwehutano, hutano hwehutano nezvimwe zvinhu zvinokukanganisa.
• Zvehutano zvinoda. Kana iwe uine hutano husingaperi, hwakadai seshuga kana HIV, ungangoda kutsvaga Special Needs Chirongwa. Aya marongero anopa kufukidzwa kwakaringana kune vanhu vane mamwe mamiriro ehutano.

New York Medicare zviwanikwa

Kuti udzidze zvakawanda nezveMedare uye Medicare Advantage zvirongwa, unogona kubata:

• Iyo New York State Health Inishuwarenzi Ruzivo, Counselling, uye Rubatsiro Chirongwa: 800-701-0501
• Iyo Yemagariro Kuchengetedzwa Kwekutonga: 800-772-1213

Chii chandinofanira kuita zvinotevera?

Paunenge wagadzirira kuwana Medicare kana kudzidza zvakawanda nezve ako sarudzo sarudzo, izvi ndizvo zvaunogona kuita:

• Kuti uwane Medicare zvikamu A uye B, zadza iyo Social Security Administration's online application. Kana iwe uchida, iwe unogona zvakare kunyorera mumunhu kana nefoni.
• Kana iwe uchida kusaina chirongwa cheMedicare Advantage, unogona kutenga zvirongwa ku Medicare.gov. Mushure mekusarudza zano, unogona kunyoresa online.

Ichi chinyorwa chakagadziridzwa muna Gumiguru 5, 2020 kuratidza Medicare mutengo muna 2021.

Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.