Izicwangciso zeNew York Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka eNew York?
• Ngubani ofanelekileyo kwi-Medicare eNew York?
• Ndingabhalisa nini kwizicwangciso zeMedicare New York?
• Iingcebiso zokubhalisa kwi-Medicare eNew York
• Izixhobo zaseNew York Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

I-Medicare yinkqubo yeinshurensi yezempilo ebonelelwa ngurhulumente waseUnited States. Abantu baseNew York ngokubanzi banelungelo lokufumana i-Medicare xa beneminyaka engama-65, kodwa usenokufaneleka usemncinci ukuba unokhubazeko oluthile okanye iimeko zonyango.

Funda ukuze ufunde ngakumbi ngeMedicare New York, kubandakanya ukuba ngubani ofanelekileyo, indlela yokubhalisa, kunye neengcebiso zokuthenga izicwangciso zeMedicare Advantage ngo-2021.

Yintoni amayeza?

Ukuba ufanelekile kwi-Medicare, zimbini iindlela onokufumana ngazo. Enye yeyoNyango yokuqala, inkqubo yesiko eqhutywa ngurhulumente. Ezinye zizicwangciso zeMedicare Advantage, ezinikezelwa ziinkampani zeinshurensi njengenye indlela yonyango lokuqala.

I-Medicare yoqobo inamacandelo amabini:

• Icandelo A (i-inshurensi yesibhedlele). Icandelo A likunceda ukubhatalela ukulala esibhedlele, ukunyamekela abaguli, kunye nokhathalelo lwempilo ekhaya. Kwiimeko ezithile, inokubandakanya ukhathalelo lwezakhono lwexeshana elifutshane.
• Icandelo B (i-inshurensi yezonyango). Icandelo B ligubungela uluhlu olude lweenkonzo eziyimfuneko zonyango. Oku kubandakanya iinkonzo zoogqirha, ukhathalelo lwezigulana ezingalaliswayo, ukuhlolwa kwezempilo, iinkonzo zokuthintela, kunye nezixhobo zonyango ezizinzileyo.

I-Medicare yoqobo ayigubungeli iipesenti ezili-100 zeendleko zakho zokhathalelo lwempilo. Ukufumana ingxelo engaphezulu, unokukhetha ukubhalisela enye yeenkqubo zeinshurensi ezongezelelweyo:

• IMedigap (i-inshurensi yokuxhasa i-Medicare). Le migaqo-nkqubo inceda ukugcwalisa izikhewu kwi-Medicare yoqobo. Imigaqo-nkqubo yeMedigap inokugubungela i-coinsurance, ii-copayments, kunye ne-deductibles, kunye nezibonelelo ezongezelelweyo ezinje ngohambo lwangaphandle olukhawulezileyo
• Icandelo D (ukugubungela amayeza amayeza). Icandelo le-Medicare Icandelo D linceda ukuhlawulela amayeza akho amiselweyo.

Izicwangciso ze-Medicare ze-Advantage lolunye ukhetho lwakho. Ezi zicwangciso zixutywe kufuneka zigubungele yonke into kwi-Medicare yoqobo, kwaye zihlala zibandakanya ukugubungela iziyobisi, nazo. Kuxhomekeke kwisicwangciso, unokufumana ezinye iintlobo zokugubungela, ezinje ngokunyamekelwa kwamazinyo, ukhathalelo lombono, okanye nokuba lilungu lokuzivocavoca.

Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka eNew York?

Xa uqala ukuthenga izicwangciso zeMedicare eNew York, uyakuqaphela ukuba zininzi izinto onokukhetha kuzo. Ngo-2021, ezi nkampani zilandelayo ze-inshurensi zithengisa izicwangciso ze-Medicare Advantage eNew York:

• Isicwangciso sezempilo, Inc.
• Isabelo se-Excellus Health, Inc.
• Inkampani ye-Aetna Life Insurance
• Unyango lwezempilo lwaseNew York, Inc.
• Isicwangciso se-Inshurensi yezeMpilo kwiNew York
• Iindleko zezabelo Empire HealthChoice HMO, Inc.
• Umbutho we-Independent Health Association, Inc.
• Isicwangciso sezeMpilo seMVP, Inc.
• IziCwangciso zezeMpilo ze-Oxford (NY), Inc.
• HealthNow eNew York, Inc.
• Inkampani yase-Sierra Health kunye ne-Inshurensi yoBomi, Inc.
• Isicwangciso seNew York State Catholic Health, Inc.
• IsiCwangciso sezeMpilo seGqirha seNgingqi, Inc.
• Inkqubela phambili yobomi baseMelika kunye neNkampani yeinshurensi yezeMpilo eNew York
• WellCare yaseNew York, Inc.
• Inkampani ye-Humana Insurance yeNew York
• I-Elderplan, Inc.

Ukufumaneka kuyahluka ngokwasithili. Ngaphambi kokukhetha isicwangciso, tsalela umnxeba umboneleli kwaye uqinisekise ukuba bayayigubungela indawo yakho.

Ngubani ofanelekileyo kwi-Medicare eNew York?

Kwilizwe laseNew York, uvumelekile ukuba ufumane i-Medicare ukuba uwela kwelinye lamaqela afanelekileyo enkqubo:

• uneminyaka engama-65 okanye ngaphezulu
• ungaphantsi kweminyaka engama-65 kwaye ufumene i-Inshurensi yoKhuseleko loKhuseleko lweNtlalo kangangeenyanga ezingama-24
• unesifo se-renal sokugqibela (i-ESRD) okanye i-amyotrophic lateral sclerosis (ALS)

Ukongeza, izicwangciso ze-Medicare Advantage zinemigaqo yokufaneleka. Ungazibandakanya nesinye sezi zicwangciso ukuba uhlala kwindawo enenkonzo yesicwangciso kwaye sele ubhalisele ii-Medicare ze-A kunye ne-B.

Ndingabhalisa nini kwizicwangciso zeMedicare New York?

Ukuba ulungele ukufumana i-Medicare ngokusekwe kubudala bakho, ithuba lakho lokuqala lokufaka isicelo lixesha lokuBhaliswa kwakho kokuqala. Eli xesha liqala kwiinyanga ezi-3 phambi kwenyanga ojika i-65 kwaye iphela kwiinyanga ezi-3 emva kwenyanga yakho yokuzalwa. Ungayibhalisela i-Medicare nangaliphi na ixesha ngeli xesha leenyanga ezi-7.

Ukuba uyaliphosa ixesha lokuBhalisa, ungabhalisela i-Medicare ngexesha lokuBhaliswa ngokuBanzi. Oku kuqalisa ukusuka NgoJanuwari 1 ukuya kuMatshi 31 qho ngonyaka. Qaphela ukuba ubhalisela emva kwexesha, kungafuneka uhlawule iipremiyamu eziphezulu zenyanga zokugubungela.

Unokufanelekela ixesha elithile lokubhalisa elikuvumela ukuba ubhalisele i-Medicare nangaliphi na ixesha ngaphandle kokuhlawula isohlwayo. Ukuba une-based-based coverage, ungasayina nangaliphi na ixesha. Unako ukulungela ixesha elithile lobhaliso ukuba ulahlekelwe ngumsebenzi osekwe kwimisebenzi yakho.

I-Medicare yoqobo yeyokwendalo kubabhalisi abatsha, kodwa kulula ukuba ubhalisele isicwangciso seMedicare Advantage ukuba yile nto uyithandayo. Ungasayinela esinye sezi zicwangciso zeMedare ngexesha lokuQalisa ukuBhalisa. Unokusayina kwakhona ngexesha lokubhaliswa okuvulekileyo kweMedicare, okusukela Oktobha 15 ukuya kuDisemba 7.

Iingcebiso zokubhalisa kwi-Medicare eNew York

Xa usenza isigqibo sokuba loluphi uhlobo lwesicwangciso olusebenzela wena, jonga oku kulandelayo:

• Iindleko eziphuma epokothweni. Iipremiyamu zesicwangciso senyanga nenyanga aziyiyo kuphela indleko ekufuneka uyiqwalasele xa uthelekisa izicwangciso. Uya kuhlawula i-coinsurance, i-copayments, kunye ne-deductibles uze udibanise umda wonyaka we-out-of-pocket.
• Iinkonzo ezibandakanyiweyo. Zonke izicwangciso ze-Medicare Advantage zihlanganisa iinkonzo ze-Medicare ze-A kunye ne-B, kodwa ezinye iinkonzo ezifihliweyo ziyahluka. Yenza uluhlu lweenkonzo ongathanda ukuba isicwangciso sakho sizigqume, kwaye ugcine uluhlu lwakho lomnqweno ngqondweni xa uthenga.
• Ukhetho lukagqirha. Izicwangciso zeMedare ngokubanzi zinenethiwekhi yoogqirha kunye nabanye ababoneleli ngezempilo. Ngaphambi kokuba ukhethe isicwangciso, qiniseka ukuba oogqirha bakho bangoku kwinethiwekhi.
• Ukulinganiswa kweenkwenkwezi. Amaziko e-Medicare kunye neeNkonzo zeMedicaid (i-CMS) Inkqubo yeenkwenkwezi ezintlanu inokukunceda ufumane izicwangciso ezikumgangatho ophezulu. Ukulinganiswa kweCMS kusekwe kwinkonzo yabathengi, ukulungelelanisa ukhathalelo, umgangatho wezempilo kunye nezinye izinto ezichaphazelayo.
• Iimfuno zokhathalelo lwempilo. Ukuba unesifo esinganyangekiyo, esifana neswekile okanye i-HIV, unokufuna ukukhangela iSicwangciso seMfuno eziZodwa. Ezi zicwangciso zibonelela ngogqibo olulungiselelwe abantu abaneemeko ezithile zempilo.

Izixhobo zaseNew York Medicare

Ukuze ufunde okungakumbi malunga nezicwangciso zeMedicare kunye neMedicare, ungaqhagamshelana:

• Ulwazi lwe-Inshurensi yezeMpilo yaseNew York State, ukuCebisa, kunye neNkqubo yoNcedo: 800-701-0501
• Ulawulo loKhuseleko loLuntu: 800-772-1213

Ndifanele ndenze ntoni ngokulandelayo?

Xa ulungele ukufumana i-Medicare okanye ufunde okungakumbi malunga nezicwangciso ozikhethayo, nantsi into onokuyenza:

• Ukufumana iinxalenye zeMedicare A kunye no-B, gcwalisa usetyenziso lwe-Intanethi loLawulo loKhuseleko loLuntu. Ukuba ukhetha njalo, unokufaka isicelo ngobuqu okanye ngomnxeba.
• Ukuba ufuna ukubhalisela isicwangciso se-Medicare Advantage, ungathenga izicwangciso kwi-Medicare.gov. Emva kokuba ukhethe isicwangciso, ungabhalisa kwi-Intanethi.

Eli nqaku lahlaziywa ngo-Okthobha u-5, 2020 ukubonisa iindleko zeMedicare ngo-2021.

Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.