Merero ea New York Medicare ka 2021

Litaba

• Medicare ke eng?
• Ke merero efe ea Medicare Advantage e fumanehang New York?
• Ke mang ea tšoanelehang bakeng sa Medicare New York?
• Nka ingolisa neng mererong ea Medicare New York?
• Malebela a ho ingolisa ho Medicare New York
• Lisebelisoa tsa New York Medicare
• Ke lokela ho etsa eng kamora moo?

Medicare ke lenaneo la inshorense ea bophelo bo fanoang ke mmuso oa United States. Batho ba New York ka kakaretso ba tšoaneleha bakeng sa Medicare ha ba le lilemo li 65, empa o kanna oa tšoaneleha o sa le monyane haeba o na le bokooa bo itseng kapa maemo a bongaka.

Bala pele ho ithuta haholoanyane ka Medicare New York, ho kenyelletsa le hore na ke mang ea tšoanelehang, ho ingolisa, le malebela a ho reka merero ea Medicare Advantage ka 2021.

Medicare ke eng?

Haeba u tšoaneleha bakeng sa Medicare, ho na le mekhoa e 'meli eo u ka fumanang litaba ka eona. E 'ngoe ke Medicare ea mantlha, lenaneo la setso le tsamaisoang ke mmuso. E 'ngoe ke merero ea Medicare Advantage, e fanoang ke lik'hamphani tsa inshorense e le mokhoa o mong oa Medicare ea mantlha.

Original Medicare e na le likarolo tse peli:

• Karolo ea A (inshorense ea sepetlele). Karolo ea A e u thusa ho lefella bolulo ba bakuli ba sepetlele, tlhokomelo ea batho ba kulang le tlhokomelo ea bophelo ba lapeng. Maemong a mang, e ka koahela tlhokomelo ea booki ea nakoana.
• Karolo ea B (inshorense ea bongaka). Karolo ea B e akaretsa lethathamo le lelelele la lits'ebeletso tsa bongaka tse hlokahalang. Tsena li kenyelletsa litšebeletso tsa lingaka, tlhokomelo ea bakuli ba kantle ho kalafo, tlhahlobo ea bophelo bo botle, lits'ebeletso tsa thibelo, le lisebelisoa tsa bongaka tse tšoarellang.

Original Medicare ha e koahele karolo ea 100 lekholong ea litšenyehelo tsa tlhokomelo ea bophelo bo botle. Bakeng sa boitsebiso bo eketsehileng, u ka khetha ho ingolisa bakeng sa e 'ngoe ea melaoana ea inshorense ea tlatsetso:

• Medigap (Inshorense ea tlatsetso ea Medicare). Maano ana a thusa ho tlatsa likheo ho Medicare ea mantlha. Melao ea Medigap e kanna ea koahela li-coinsurance, li-copayment le li-deductibles, hammoho le melemo e meng e kang ho koaheloa ha maemo a tšohanyetso a kantle ho naha
• Karolo ea D (tšireletso ea lithethefatsi e fanoang ke ngaka). Merero ea Medicare Part D e u thusa ho lefella meriana ea hau ea ngaka.

Merero ea Medicare Advantage ke khetho ea hau e 'ngoe. Merero ena e bokelletsoeng e tlameha ho koahela ntho e ngoe le e ngoe ho Medicare ea mantlha, mme hangata e kenyelletsa ho koaheloa ke lithethefatsi tsa ngaka. Ho latela moralo, o ka fumana mefuta e meng ea tšireletso, joalo ka tlhokomelo ea meno, tlhokomelo ea pono, kapa le litho tsa boikoetliso.

Ke merero efe ea Medicare Advantage e fumanehang New York?

Ha u qala ho reka merero ea Medicare New York, u tla hlokomela hore ho na le likhetho tse ngata. Ka 2021, lik'hamphani tse latelang tsa inshorense li rekisa merero ea Medicare Advantage New York:

• Morero oa Healthfirst Health, Inc.
• Leeto la Excellus Health, Inc.
• Khamphani ea Aetna Life Insurance
• UnitedHealthcare ea New York, Inc.
• Morero oa Inshorense ea Bophelo ho New York
• 'Muso oa BopheloChoice HMO, Inc.
• Mokhatlo o Ikemetseng oa Bophelo, Inc.
• Morero oa MVP Health, Inc.
• Merero ea Oxford Health (NY), Inc.
• HealthNow New York, Inc.
• Sierra Health le Khamphani ea Inshorense ea Bophelo, Inc.
• Leano la New York State Catholic Health Plan, Inc.
• Morero oa Capital District Physicians 'Health, Inc.
• Khamphani ea Amerika e Tsoelang Pele ea Bophelo le Inshorense ea New York
• WellCare ea New York, Inc.
• Khamphani ea Inshorense ea Humana ea New York
• Elderplan, Inc.

Ho fumaneha ho fapana ka setereke. Pele o khetha moralo, letsetsa mofani oa thepa mme o netefatse hore ba koahela sebaka sa heno.

Ke mang ea tšoanelehang bakeng sa Medicare New York?

Naheng ea New York, o tšoaneleha bakeng sa Medicare haeba o ka oela ho se seng sa lihlopha tse tšoanelehang tsa lenaneo:

• u lilemo li 65 kapa ho feta
• u ka tlase ho lilemo tse 65 'me u amohetse Inshorense ea Bokooa ba Sechaba ka likhoeli tse 24
• u na le lefu la renal (ESRD) kapa amyotrophic lateral sclerosis (ALS)

Ntle le moo, merero ea Medicare Advantage e na le melao ea ho tšoaneleha. O ka kenela o mong oa merero ena haeba o lula sebakeng sa ts'ebeletso mme o se o ntse o ingolisetse likarolo tsa Medicare A le B.

Nka ingolisa neng mererong ea Medicare New York?

Haeba o tšoaneleha bakeng sa Medicare ho latela lilemo tsa hau, monyetla oa hau oa pele oa ho etsa kopo ke nakong ea Phallo ea hau ea Pele. Nako ena e qala likhoeli tse 3 pele khoeli e fihla lilemo tse 65 ebe e fela likhoeli tse 3 kamora khoeli ea letsatsi la tsoalo. U ka ingolisa ho Medicare ka nako efe kapa efe nakong ena ea likhoeli tse 7.

Haeba u hloloheloa nako ea hau ea ho ingolisa, u ka ingolisa ho Medicare nakong ea ngoliso e akaretsang. Sena se baleha Pherekhong 1 ho isa ho la 31 Hlakubele selemo se seng le se seng. Hlokomela hore haeba u ingolisa kamora nako, o kanna oa hloka ho lefa litefiso tse phahameng tsa khoeli le khoeli bakeng sa tšireletso ea hau.

U ka tšoaneleha bakeng sa nako e ikhethang ea ho ingolisa e u lumellang ho ingolisa ho Medicare nako efe kapa efe ntle le ho lefa kotlo. Haeba u na le tšireletso e thehiloeng mosebetsing, u ka ingolisa neng kapa neng. U ka boela ua tšoaneleha bakeng sa nako e khethehileng ea ho ingolisa haeba u lahleheloa ke tšireletso e thehiloeng mosebetsing.

Original Medicare ke ea mantlha bakeng sa ba ngolisitseng bocha, empa ho bonolo ho ingolisa bakeng sa leano la Medicare Advantage haeba ke seo u se ratang. U ka ingolisa e 'ngoe ea merero ena ea Medicare nakong ea nako ea hau ea pele ea ngoliso. U ka ingolisa hape nakong ea ngoliso e bulehileng ea Medicare, e tsoang ho Mphalane 15 ho isa ho la 7 Tšitoe.

Malebela a ho ingolisa ho Medicare New York

Ha u etsa qeto ea hore na ke mofuta ofe oa moralo o sebetsang hantle ho uena, nahana ka tse latelang:

• Litšenyehelo tse tsoang ka pokothong. Litefiso tsa khoeli le khoeli ha se litšenyehelo feela tse lokelang ho nahanoa ha u bapisa merero. U tla boela u lefe li-coinsurance, li-copayments le li-deductibles ho fihlela u kopana le moeli oa selemo le selemo oa ho tsoa pokothong.
• Litšebeletso li koahetsoe. Merero eohle ea Medicare Advantage e akaretsa litšebeletso tsa Medicare likarolo tsa A le B, empa lits'ebeletso tse ling tse koahetsoeng li ka fapana. Etsa lethathamo la lits'ebeletso tseo u ka ratang hore moralo oa hau o li koahele, 'me u lule u hopotse lenane la litakatso tsa hau ha u ntse u reka.
• Khetho ea ngaka. Merero ea Medicare ka kakaretso e na le marang-rang a lingaka le bafani ba bang ba tlhokomelo ea bophelo. Pele o khetha moralo, etsa bonnete ba hore lingaka tsa hau tsa hona joale li marang-rang.
• Lintlha tsa linaleli. Litsi tsa Medicare & Medicaid Services (CMS) Sisteme ea Litekanyetso tsa Linaleli tse hlano e ka u thusa ho fumana merero ea boleng bo holimo. Lintlha tsa CMS li ipapisitse le ts'ebeletso ea bareki, khokahano ea tlhokomelo, boleng ba tlhokomelo ea bophelo le lintlha tse ling tse u amang.
• Litlhoko tsa tlhokomelo ea bophelo. Haeba u na le boemo bo sa foleng ba bophelo bo botle, joalo ka lefu la tsoekere kapa HIV, u kanna ua batla Morero oa Litlhoko tse Khethehileng. Merero ena e fana ka tšireletso e lumellanang le batho ba nang le maemo a itseng a bophelo bo botle.

Lisebelisoa tsa New York Medicare

Ho ithuta haholoanyane ka meralo ea Medicare le Medicare Advantage, o ka ikopanya le:

• Lenaneo la Litaba tsa Inshorense ea Bophelo bo Botle la New York State, Tlhabollo le Thuso: 800-701-0501
• Tsamaiso ea Ts'ireletso ea Sechaba: 800-772-1213

Ke lokela ho etsa eng kamora moo?

Ha o se o loketse ho fumana Medicare kapa ho ithuta haholoanyane ka likhetho tsa moralo oa hau, mona ke seo o ka se etsang:

• Ho fumana likarolo tsa Medicare A le B, tlatsa ts'ebeliso ea inthanete ea Tsamaiso ea Ts'ireletso ea Sechaba. Haeba u rata, u ka etsa kopo ka seqo kapa ka mohala.
• Haeba o batla ho ingolisa bakeng sa leano la Medicare Advantage, o ka reka bakeng sa meralo ho Medicare.gov. Kamora ho khetha moralo, o ka ingolisa inthaneteng.

Sengoliloeng sena se ntlafalitsoe ka la 5 Mphalane 2020 ho bonts'a litšenyehelo tsa Medicare ka 2021.

Tlhahisoleseling e fumanehang webosaeteng ena e ka u thusa ho iketsetsa liqeto ka inshorense, empa ha ea etsetsoa ho fana ka likeletso mabapi le ho reka kapa ho sebelisa inshorense kapa lihlahisoa tsa inshorense. Healthline Media ha e sebetse khoebong ea inshorense ka tsela efe kapa efe ebile ha e na laesense ea ho ba k'hamphani ea inshorense kapa moetsi oa matla afe kapa afe a U.S. Healthline Media ha e khothaletse kapa ho ts'ehetsa batho ba boraro ba ka etsang khoebo ea inshorense.