Nā Hoʻolālā Medicare o New York i 2021

Anter

• He aha ka Medicare?
• ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma New York?
• ʻO wai ka mea kūpono i Medicare ma Nu Ioka?
• Āhea wau e kākau inoa ai i nā hoʻolālā Medicare New York?
• Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana ma Medicare ma Nu Ioka
• Nā kumuwaiwai ʻo New York Medicare
• He aha kaʻu e hana ai ma hope?

He polokalamu inikua olakino Medicare i hāʻawi ʻia e ke aupuni o ʻAmelika Hui Pū ʻIa. Kūpono ʻia nā New Yorkers no Medicare ke huli lākou i 65, akā hiki ke koho ʻia i ka wā ʻōpio inā he mau kīnā ʻole a i ʻole nā ​​kūlana olakino.

E heluhelu e ʻike hou aʻe e pili ana i Medicare New York, me nā mea i kūpono, pehea e kākau inoa ai, a me nā ʻōlelo aʻoaʻo no ke kūʻai no nā hoʻolālā Medicare Advantage ma 2021.

He aha ka Medicare?

Inā kūpono ʻoe no Medicare, aia ʻelua ala i hiki ai iā ʻoe ke loaʻa ka uhi. ʻO kekahi Medicare kumu, ka papahana kuʻuna e holo ʻia e ke aupuni. ʻO kekahi he Medicare Advantage plan, i hāʻawi ʻia e nā ʻoihana inikua ma ke ʻano he koho ʻē aʻe i ka Medicare kumu.

ʻElua ʻāpana ʻo Medicare:

• Māhele A (ʻinikua haukapila). Kōkua ka ʻāpana A iā ʻoe e uku no ka noho ʻana i ka haukapila maʻi, mālama hale hoʻokipa, a me ka mālama olakino home. I kekahi mau kūlana, uhi paha ia i ka mālama kahu hānai wā pōkole.
• Māhele B (ʻinikua olakino). Māhele ka ʻāpana B i kahi papa inoa lōʻihi o nā lawelawe olakino. Hoʻopili kēia i nā lawelawe a nā kauka, mālama mālama maʻi, ka nānā ʻana i ke olakino, nā lawelawe pale, a me nā pono olakino paʻa.

ʻAʻole uhi ka lāʻau Medicare i ka 100 pākēneka o kāu koina mālama ola. No ka mea, ʻoi aku ka uhi ʻana, hiki iā ʻoe ke koho e kau inoa no kekahi o kēia mau kulekele inikua kōkua:

• Medigap (ʻinikua kōkua Medicare). Kōkua kēia mau kulekele i ka hoʻopiha i nā hakahaka o ka Medicare kumu. Hiki paha i nā kulekele Medigap ke uhi i ka coinsurance, copayments, a me nā deductibles, a me nā keu keu e like me ka uhi ulia pōpilikia huakaʻi hele haole.
• Māhele D (ka lāʻau lāʻau kuhikuhi). Kōkua ka Medicare Part D iā ʻoe e uku no kāu lāʻau lapaʻau.

ʻO nā hoʻolālā Medicare Advantage kāu koho ʻē aʻe. Pono kēia mau hoʻolālā pūʻulu e uhi i nā mea āpau i ka Medicare kumu, a hoʻokomo pū lākou i ka lāʻau lāʻau kuhikuhi. Kaukaʻi ʻia i ka hoʻolālā, hiki iā ʻoe ke kiʻi i nā ʻano uhi ʻē aʻe, e like me ka mālama niho, mālama ʻike ʻana, a i ʻole nā ​​lālā hale hoʻoikaika kino.

ʻO wai nā hoʻolālā Medicare Advantage i loaʻa ma New York?

Ke hoʻomaka ʻoe e kūʻai no nā hoʻolālā Medicare ma New York, e ʻike ʻoe he nui nā koho. Ma 2021, kūʻai aku nā ʻoihana ʻinikua aʻe i nā hoʻolālā Medicare Advantage ma New York.

• Healthfirst Health Plan, Inc.
• ʻO Plan Health Health Excellus, Inc.
• ʻO Aetna Life Insurance Company
• ʻO UnitedHealthcare o New York, Inc.
• ʻO ka ʻinikua ʻinikua olakino o Nuioka Nui
• Empire HealthChoice HMO, Inc.
• Independent Health Association, Inc.
• Hoʻolālā Ola Ola MVP, Inc.
• ʻO Oxford Plans Health (NY), Inc.
• ʻO HealthNow New York, Inc.
• ʻOihana Ola Ola Ola ʻo Sierra, Inc.
• ʻO ka New York State Health Plan Plan, Inc.
• ʻO ka Plan Health Health Plan 'Ka moku ʻo District District, Inc.
• ʻO ka American Insurance Progressive Life & Health Insurance Company o New York
• ʻO WellCare o New York, Inc.
• ʻO Kamupene ʻInikua ʻo Humana o Nu Ioka
• ʻO Elderplan, Inc.

Hoʻololi ka loaʻa ma nā kalana. Ma mua o ke koho ʻana i kahi hoʻolālā, kāhea i ka mea hāʻawi a hōʻoia e uhi lākou i kāu wahi.

ʻO wai ka mea kūpono i Medicare ma Nu Ioka?

Ma New York State, ua kūpono ʻoe no Medicare inā ʻoe e hāʻule i loko o kekahi o nā hui kūpono o ka papahana.

• he 65 a ʻoi kou mau makahiki
• aia ʻoe ma lalo o 65 mau makahiki a ua loaʻa iā ʻoe ka Insurance Insurance Disability Disability no 24 mau mahina
• Loaʻa iā ʻoe ka hopena o ka maʻi hōʻeha (ESRD) a i ʻole ka amyotrophic lateral sclerosis (ALS)

Eia hou, loaʻa i nā hoʻolālā Medicare Advantage nā lula kūpono. Hiki iā ʻoe ke hui pū me kekahi o kēia mau hoʻolālā inā ʻoe e noho i ka wahi lawelawe o ka hoʻolālā a ua kau inoa no nā ʻāpana Medicare A a me B.

Āhea wau e kākau inoa ai i nā hoʻolālā Medicare New York?

Inā kūpono ʻoe i Medicare e pili ana i kou mau makahiki, ʻo kou manawa kūpono e noi ai i kāu wā kau inoa mua. Hoʻomaka kēia wā i 3 mau mahina ma mua o ka mahina e hala ʻoe i 65 a hoʻopau i 3 mau mahina ma hope o kou malama lā hānau. Hiki iā ʻoe ke kau inoa no Medicare i kēlā me kēia manawa i kēia manawa o 7 mau mahina.

Inā haʻalele ʻoe i kou wā kau inoa mua, hiki iā ʻoe ke kau inoa no Medicare i ka wā kau inoa nui. Holo kēia mai Ianuali 1 a hiki i Malaki 31 i kēlā me kēia makahiki. E hoʻomaopopo inā inā lohi ʻoe e kau inoa, pono ʻoe e uku i nā uku nui o ka mahina no kāu uhi ʻana.

Hiki paha iā ʻoe ke kūpono no kahi wā kau inoa kūikawā e ʻae iā ʻoe e kau inoa no Medicare i kēlā me kēia manawa me ka uku ʻole ʻia o ka uku. Inā loaʻa iā ʻoe kahi hana e pili ana i ka hana, hiki iā ʻoe ke kau inoa i kēlā me kēia manawa. Hiki iā ʻoe ke kūpono no kahi wā kau inoa kūikawā inā e nalo ʻoe i kāu kaola hana.

ʻO ka Medicare kumu ka paʻamau no nā enrollees hou, akā maʻalahi ka hoʻopaʻa inoa ʻana no kahi Medicare Advantage plan inā ʻo ia ka mea āu e makemake ai. Hiki iā ʻoe ke kau inoa no kekahi o kēia mau hoʻolālā Medicare i kou wā kau inoa mua. Hiki iā ʻoe ke kau inoa i ka wā o Medicare e hāmama ai ke kākau inoa wehe ʻana, kahi e holo ai ʻOkakopa 15 a i Kekemapa 7.

Nā ʻōlelo aʻoaʻo no ke kākau inoa ʻana ma Medicare ma Nu Ioka

Ke hoʻoholo nei i kahi ʻano o ka hoʻolālā e kūpono iā ʻoe, e noʻonoʻo i kēia:

• Nā kumu kūʻai o waho o ka ʻeke. ʻAʻole wale nā ​​uku hoʻolālā hoʻolālā mahina ka uku e noʻonoʻo ai ke hoʻohālikelike ʻoe i nā hoʻolālā. E uku nō hoʻi ʻoe i ke dute, copayments, a me nā deductibles a hiki i kou hālāwai ʻana me ka palena palena o ka hoʻolālā o kāu papa makahiki.
• Uhi ʻia nā lawelawe. Uhi nā hoʻolālā Medicare Advantage āpau i nā ʻaoʻao Medicare A a me B, akā ʻokoʻa paha nā lawelawe uhi ʻē aʻe. E hana i kahi papa inoa o nā lawelawe āu e makemake ai e uhi, a hoʻomanaʻo i kāu papa inoa makemake ke kūʻai aku ʻoe.
• Koho kauka. Loaʻa i nā hoʻolālā Medicare kahi pūnaewele o nā kauka a me nā lawelawe lawelawe olakino ʻē aʻe. Ma mua o kou koho ʻana i kahi hoʻolālā, e ʻike pono i kāu kauka o kēia manawa i ka pūnaewele.
• Nā helu helu hōkū. Hiki i nā Kikowaena no Medicare & Medicaid Services (CMS) ʻelima hōkū helu helu ke kōkua iā ʻoe e ʻike i nā hoʻolālā kiʻekiʻe. Hoʻokumu ʻia nā helu CMS ma ka lawelawe ʻana o ka mea kūʻai aku, ka mālama ʻana i ka mālama, ka maikaʻi o ke olakino a me nā kumu ʻē aʻe e hoʻopili iā ʻoe.
• Nā pono mālama ola. Inā loaʻa iā ʻoe kahi olakino olakino olakino, e like me ka maʻi kō a i ʻole HIV, makemake paha ʻoe e nānā i kahi Kālā Pono Pono. Hāʻawi kēia mau hoʻolālā i ka uhi kūpono no nā poʻe me nā kūlana olakino kikoʻī.

Nā kumuwaiwai ʻo New York Medicare

E aʻo hou aʻe e pili ana i nā hoʻolālā Medicare a me Medicare Advantage, hiki iā ʻoe ke hoʻokaʻaʻike:

• ʻO ka ʻInikua ʻInikua olakino olakino ʻo New York State, Kōkua aʻoaʻo, a me ka papahana kōkua: 800-701-0501
• Ke Keʻena mālama mālama kaiāulu: 800-772-1213

He aha kaʻu e hana ai ma hope?

Ke mākaukau ʻoe e kiʻi iā Medicare a i ʻole e aʻo hou e pili ana i kāu koho hoʻolālā, eia ka mea hiki iā ʻoe ke hana:

• E kiʻi i nā ʻāpana Medicare A a me B, e hoʻopihapiha i ka noi pūnaewele o ka Social Security Administration. Inā makemake ʻoe, hiki iā ʻoe ke noi i ke kanaka a i ʻole ke kelepona.
• Inā makemake ʻoe e kau inoa no kahi hoʻolālā Medicare Advantage, hiki iā ʻoe ke kūʻai aku no nā hoʻolālā ma Medicare.gov. Ma hope o kou koho ʻana i kahi hoʻolālā, hiki iā ʻoe ke kākau inoa ma ka pūnaewele.

Ua hōʻano hou ʻia kēia ʻatikala ma ʻOkakopa 5, 2020 e hōʻike i nā koina Medicare ma 2021.

Hiki i ka ʻikepili ma kēia pūnaewele ke kōkua iā ʻoe i ka hoʻoholo ʻana pilikino e pili ana i ka ʻinikua, akā ʻaʻole ia i manaʻo ʻia e hāʻawi i nā ʻōlelo aʻoaʻo e pili ana i ke kūʻai a hoʻohana ʻana i nā huahana ʻinikua a me nā ʻinikua paha. ʻAʻole lawelawe ʻo Healthline Media i ka ʻoihana ʻinikua i kekahi ʻano a ʻaʻohe laikini ma ke ʻano he ʻinikua a i ʻole mea hana i kēlā me kēia mana o U.S. ʻAʻole koi a kākoʻo ʻo Healthline Media i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.