Shirye-shiryen Medicare na New York a cikin 2021

Wadatacce

• Menene Medicare?
• Waɗanne tsare-tsaren Fa'idodin Medicare suke samuwa a cikin New York?
• Wanene ya cancanci Medicare a New York?
• Yaushe zan iya shiga cikin shirin Medicare na New York?
• Nasihu don yin rajista a Medicare a New York
• Albarkatun Medicare na New York
• Me zan yi a gaba?

Medicare shirin inshorar lafiya ne wanda gwamnatin Amurka tayi. New Yorkers galibi sun cancanci Medicare lokacin da suka cika shekaru 65, amma kuna iya cancanta a ƙuruciya idan kuna da wasu nakasa ko yanayin kiwon lafiya.

Karanta don ƙarin koyo game da Medicare New York, gami da wanda ya cancanci, yadda za a yi rajista, da tukwici don siyayya don shirin Amfani da Medicare a 2021.

Menene Medicare?

Idan kun cancanci Medicare, akwai hanyoyi biyu da zaku iya samun ɗaukar hoto. Daya shine ainihin Medicare, shirin gargajiya wanda gwamnati ke gudanarwa. Sauran shine shirin Amfani da Medicare, wanda kamfanonin inshora ke bayarwa azaman madadin na Medicare na asali.

Asibiti na asali yana da sassa biyu:

• Kashi na A (inshorar asibiti). Sashi na A yana taimaka muku wajen biyan kuɗin zaman asibiti, kulawar asibiti, da kula da lafiyar gida. A wasu yanayi, zai iya ɗaukar nauyin kula da jinya na ƙanƙanin lokaci.
• Sashi na B (inshorar lafiya) Sashe na B ya ƙunshi jerin ayyuka masu mahimmanci na likita. Wadannan sun hada da ayyukan likitoci, kula da marasa lafiya, binciken lafiya, ayyukan rigakafi, da kayan aikin likita masu karko.

Asalin Medicare ba ya ɗaukar nauyin 100 na kuɗin lafiyar ku. Don ƙarin ɗaukar hoto, ƙila ka zaɓi yin rajista don ɗayan waɗannan manufofin inshorar ƙarin:

• Medigap (Inshorar ƙarin inshora) Wadannan manufofi suna taimakawa cike gibin cikin Asibiti na asali. Manufofin Medigap na iya ɗaukar kuɗin tsabar kudi, biyan kuɗi, da ragi, da ƙarin fa'idodi irin su bazuwar balaguron balaguro.
• Sashe na D (ɗaukar maganin magani). Shirye-shiryen Medicare Sashe na D na taimaka muku biyan kuɗin magungunan ku.

Shirye-shiryen Amfani da Medicare shine sauran zaɓi. Wadannan tsare-tsaren da aka haɗa dole ne su rufe komai a cikin Asibiti na asali, kuma galibi suna haɗawa da ɗaukar magungunan magani. Dogaro da shirin, zaku iya samun wasu nau'ikan ɗaukar hoto, kamar su haƙori na haƙori, kula da gani, ko ma membobin motsa jiki.

Waɗanne tsare-tsaren Fa'idodin Medicare suke samuwa a cikin New York?

Lokacin da kuka fara siyayya don shirin Medicare a New York, zaku lura cewa akwai zaɓuɓɓuka da yawa. A cikin 2021, kamfanonin inshora masu zuwa suna siyar da tsare-tsaren Fa'idodin Medicare a cikin New York:

• Healthfirst Health Plan, Inc.
• Shirin Lafiya na Excellus, Inc.
• Kamfanin Inshorar Rayuwa na Aetna
• UnitedHealthcare ta New York, Inc.
• Tsarin Inshorar Kiwan lafiya na Babban Birnin New York
• Daular HealthChoice HMO, Inc.
• Healthungiyar Lafiya ta Independent, Inc.
• MVP Shirin Lafiya, Inc.
• Shirye-shiryen Lafiya na Oxford (NY), Inc.
• HealthNow New York, Inc.
• Kamfanin Kiwon Lafiya na Lafiya da Rayuwa na Saliyo, Inc.
• Tsarin Kiwon Lafiya na Katolika na New York, Inc.
• Shirin Kiwon Lafiyar Likitocin Babban Gari, Inc.
• Kamfanin Ci gaban Rayuwa na Amurka da Kamfanin Inshorar Lafiya na New York
• WellCare na New York, Inc.
• Kamfanin Inshorar Humana na New York
• Kamfanin Elderplan, Inc.

Samuwar ta bambanta ta gunduma. Kafin zaɓar tsari, kira mai ba da sabis kuma ka tabbatar cewa sun rufe yankinka.

Wanene ya cancanci Medicare a New York?

A cikin Jihar New York, kun cancanci Medicare idan kun faɗa cikin ɗayan rukunin cancantar shirin:

• ka shekara 65 ko fiye da haka
• shekarunku basu wuce 65 ba kuma sun sami Inshorar nakasa ta Social Security na tsawon watanni 24
• kuna da cutar koda ta ƙarshe (ESRD) ko amyotrophic lateral sclerosis (ALS)

Kari akan haka, Shirye-shiryen Amfanin Medicare suna da ka'idojin cancanta. Kuna iya shiga ɗayan waɗannan tsare-tsaren idan kuna zaune a yankin sabis ɗin shirin kuma tuni kun yi rajista don sassan Medicare A da B.

Yaushe zan iya shiga cikin shirin Medicare na New York?

Idan kun cancanci Medicare gwargwadon shekarunku, damarku ta farko da zaku nema shine lokacin Lokacin Shiga Ku na Farko. Wannan lokacin yana farawa watanni 3 kafin watan da kuka cika shekaru 65 ya ƙare watanni 3 bayan watan haihuwar ku. Kuna iya rajista don Medicare a kowane lokaci a wannan lokacin na watanni 7.

Idan kayi kuskuren Lokacin Shigarwa na Farko, zaka iya yin rijistar Medicare yayin General Registration Period. Wannan yana gudana daga Janairu 1 zuwa Maris 31 kowace shekara. Lura cewa idan kayi rajista a makare, maiyuwa ka biya mafi yawan kuɗin kowane wata don ɗaukar aikin ka.

Kuna iya cancanta don lokacin yin rajista na musamman wanda zai baka damar yin rajistar Medicare a kowane lokaci ba tare da biyan hukunci ba. Idan kuna da aikin ɗaukar hoto, zaku iya yin rajista a kowane lokaci. Hakanan zaka iya cancanta don lokacin yin rajista na musamman idan ka rasa ɗaukar aikinka.

Asalin Medicare na asali ne ga sababbin masu rajista, amma yana da sauƙi don yin rajista don shirin Amfani da Medicare idan wannan shine abin da kuka fi so. Kuna iya yin rajista don ɗayan waɗannan tsare-tsaren Medicare yayin Lokacin Shiga cikin Farko. Hakanan zaka iya yin rijista a yayin buɗe rajista na Medicare, wanda ke gudana daga 15 ga Oktoba zuwa 7 ga Disamba.

Nasihu don yin rajista a Medicare a New York

Lokacin yanke shawarar wane nau'in tsari ne mafi kyau a gare ku, la'akari da mai zuwa:

• Kudaden daga-aljihu. Biyan kuɗin watan kowane wata ba shine kawai kuɗin da za a yi la'akari da shi ba yayin da kuke kwatanta shirye-shirye. Hakanan zaku biya bashin kuɗi, biyan kuɗi, da kuma cire kuɗi har sai kun haɗu da iyakar shirin ku na shekara-shekara na aljihu.
• Ayyuka sun rufe. Duk tsare-tsaren Amfani da Medicare sun rufe sassan Medicare A da B, amma sauran ayyukan da aka rufe na iya bambanta. Yi jerin ayyukan da kake son shirinka ya rufe, kuma ka sanya jerin abubuwan da kake so yayin cin kasuwa.
• Doctor zabi. Shirye-shiryen Medicare gaba ɗaya suna da cibiyar sadarwar likitoci da sauran masu ba da lafiya. Kafin ka zaɓi tsari, tabbatar cewa likitocin ka na yanzu suna cikin hanyar sadarwa.
• Starididdigar tauraro. Cibiyoyin Kula da Kiwon Lafiya da Magunguna (CMS) Tsarin Fiveididdiga Biyar-Star na iya taimaka muku samun tsare-tsare masu inganci. Raimomin CMS sun dogara ne akan sabis na abokin ciniki, daidaitaccen kulawa, ingancin kiwon lafiya da sauran abubuwan da suka shafe ku.
• Bukatun kiwon lafiya. Idan kana da cutar rashin lafiya na yau da kullun, kamar su ciwon sukari ko HIV, kana iya neman Tsarin Buƙatu na Musamman. Waɗannan tsare-tsaren suna ba da keɓaɓɓiyar ɗaukar hoto ga mutanen da ke da takamaiman yanayin kiwon lafiya.

Albarkatun Medicare na New York

Don ƙarin koyo game da shirin Medicare da shirin Amfani da Medicare, zaku iya tuntuɓar:

• Bayanai na Inshorar Kiwon Lafiya na Jihar New York, Shawara, da Taimako: 800-701-0501
• Gwamnatin Tsaron Tsaro: 800-772-1213

Me zan yi a gaba?

Lokacin da kake shirye don samun Medicare ko ƙarin koyo game da zaɓin shirinka, ga abin da zaka iya yi:

• Don samun sassan Medicare A da B, cika aikace-aikacen kan layi na Social Security Administration. Idan kun fi so, zaku iya yin amfani da kanku ko ta waya.
• Idan kana son yin rajista don shirin Amfanin Medicare, zaka iya siyayya don tsare-tsaren a Medicare.gov. Bayan ka zaɓi tsari, zaka iya yin rajista akan layi.

An sabunta wannan labarin a watan Oktoba 5, 2020 don yin la'akari da farashin Medicare a 2021.

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.