February 23, 2013

New York Medicare

What is New York Medicare?

Medicare is federal health insurance for people age 65 and older, under age 65 with certain
disabilities, and any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

Medicare is made up of different “Parts.” Medicare Part A provides hospital coverage. Medicare Part B provides optional medical coverage. Together, Parts A and B are known as Original Medicare and form the basis of Medicare coverage.

Medicare Part A helps cover:

  • Inpatient care in hospitals
  • Skilled nursing facility, hospice and home health care services

Medicare Part B (optional) helps cover:

  • Doctor services and outpatient care
  • Some preventive services

Medicare Part B helps pay for about 80 percent of the medical costs that Medicare covers. Medicare Part B premium is about $100/month.

Original Medicare does not cover prescription drugs and only pays 80% of the medical cost.  Many people add Medicare Part C and Part D to their Medicare plan.

Medicare Part C (Optional, Medicare Advantage) helps cover:

  • Run by Medicare-approved private insurance companies
  • Includes all benefits and services covered under Part A and Part B
  • Usually includes Medicare prescription drug coverage (Part D) as
    part of the plan
  • May include extra benefits and services for an extra cost

Medicare Part D (Optional, Prescription Drug Coverage) helps cover:

  • Run by Medicare-approved private insurance companies
  • Helps cover the cost of prescription drugs

New York Medicare QMB (Qualified Medicare Beneficiary Program)
New York Medicare SLIMB (Specified Low Income Medicare Beneficiary Program)
New York Medicare QI (Qualified Individual) and
New York Medicare QDWI (Qualified Disabled and Working Individual) Programs are available for low income New York residents.

 

When Should You Apply for New York Medicare?

The basic rule or thumb is that New York residents should apply for Medicare when they turn 65. There is an open enrollment period which starts 3 months prior to the month you turn 65 and extends 3 months past the month you turn 65 (a 7 month window).

Where to apply for New York Medicare?

If you already receive Social Security benefits (or Railroad Retirement System), then you will be automatically be enrolled in Medicare (Part A & Part B). Your Medicare card will be mailed to you about 3 months before your 65th birthday. (It will be mailed to the address on record with Social Security.)

If you’re NOT receiving Social Security benefits, you must call, apply in person or apply online. Click here to apply New York Medicare Online.  If you cannot apply online or you decide not to finish applying online, for whatever reason, you can apply by phone or in person at any Social Security office.  Call 1-800-772-1213 to make an appointment and to avoid any loss of benefits.  Representatives are available Monday through Friday from 7 AM to 7 PM.

New York Medicare Contact Information:

Medicare General Number: 1-800-MEDICARE or 1-800-633-4227

Within New York City, the phone number to call for the Medicaid Helpline is 1-888-692-6116. Outside of New York City call 212-639-9675.

Medicare/Social Security Office

650 EAST 12TH ST (Avenue C)
NEW YORK, NY 10009

SOCIAL SECURITY
7TH FLOOR
195 MONTAGUE ST
BROOKLYN, NY 11201

SOCIAL SECURITY
138-50 BARCLAY AVE
FLUSHING, NY 11355

SOCIAL SECURITY
RM 430 FEDERAL BLDG
11 A CLINTON AVE
ALBANY, NY 12207

SOCIAL SECURITY
FED BLDG 4TH FLOOR
100 S CLINTON ST
SYRACUSE, NY 13261

 

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