Potsutsa zaka ziwiri za ziwonetsero ndi milandu ya anthu omwe adapuma pantchito, Komiti Yogwira Ntchito ku New York City idavotera Lachinayi kuti ichotse chithandizo chabwino kwambiri chachipatala mdziko muno. Kusinthaku kukufuna kuyika anthu 250,000 opuma pantchito mumzinda kuti apeze phindu la Medicare Advantage pulani yoyendetsedwa ndi Aetna.
Mabungwe 37 a MLC adavotera kuti ayi, pomwe ena sanalole. Koma mavoti awo adadzazidwa ndi mavoti a mabungwe akuluakulu a komiti, AFSCME District Council XNUMX ndi New York United Federation of Teachers.
Opuma pantchito komanso mamembala omwe adachita ziwonetsero adachita ziwonetsero panthawi ya voti ya MLC ndipo adapita ku City Hall. Bungwe la NYC Organisation of Public Service Retirees likulonjeza kuti lidzasumira. Iwo apemphanso khonsolo ya mzindawo kuti ilimbikitse lamulo loteteza za umoyo wa anthu opuma.
Nkhondo ya ku New York City ili ndi tanthauzo lalikulu chifukwa makampani a inshuwaransi a Medicare Advantage akuyamba kukhudzidwa madokotala ongoyerekeza kachiwiri, kutsekereza chisamaliro cha odwalandipo kuwononga anthu pamene iwo akugubuduza mu mbiri ya phindu.
Kodi Medicare Advantage ndi chiyani?
Mu Medicare yachikhalidwe, yomwe imapezeka mukakwanitsa zaka 65, mumapereka khadi lanu, chisamaliro, ndipo boma limalipira.
Ndi Medicare Advantage, kampani ya inshuwaransi yopeza phindu imalandira ndalama kuboma kuti ikuthandizireni. Koma amafika podula mafuta-Medicare Advantage tsopano ndi gawo lopindulitsa kwambiri pamakampani a inshuwaransi omwe apeza kale kale. Ndipo amatha kunena chisamaliro chomwe mungapeze.
Mapulani a Medicare Advantage omwe amakambidwa ndi owalemba ntchito ndi mabungwe amapereka chithandizo choyipa kuposa Medicare yachikhalidwe. Koma nthawi zambiri amakhala abwino kuposa mapulani a Medicare Advantage omwe achikulire atha kudzilembera okha ndipo amalengezedwa pa TV yapakati pausiku.
MUNTHU MMODZI VS. ZOKAMBIRANA
Mapulani a Medicare Advantage omwe anthu amagula pamsika wa inshuwaransi pawokha atha kukhala ndi ndalama zotsika mtengo kuposa Medicare yachikhalidwe chifukwa amapeza phindu lamankhwala ndipo amatha kuwononga ndalama zotuluka m'thumba. Koma ndi odziwika bwino chifukwa chokana chithandizo chamtengo wapatali, kukakamiza madokotala ndi zipatala zochepa, komanso kulanda boma.
Kumbali ina, mapulani a Medicare Advantage omwe amakambidwa ndi mgwirizano ndi chifukwa cha makampani a inshuwaransi kuti akambirane ndi mabungwe ndi olemba anzawo ntchito kuti alembetse magulu akuluakulu opuma pantchito, ndipo izi zitha kuletsa nkhanza zoopsa kwambiri. Komabe, ena opuma pantchito muzokambirana nenani kuti anakanidwa chisamaliro panthaลตi yovuta kwambiri mโmoyo wawo.
Muzochitika zonsezi, makampani a inshuwaransi omwe amapeza phindu omwe amayendetsa mapulaniwa ali ndi chilimbikitso champhamvu chokana chisamaliro. Dola iliyonse yomwe sakulipirira chisamaliro chanu ndi dola yomwe amagawana nawo ndi ma CEO, omwe nthawi zambiri amatenga chipukuta misozi chawo. Mitengo ya masheya imatengera kusamalidwa kochepa komwe kampani ingakulipire.
MEDIGAP VS. MEDICARE ADVANTAGE
Traditional Medicare (gawo A & B) imawononga $ 164.90 pamwezi, ndipo imapereka ndalama zachipatala ndi 80 peresenti ya ndalama zomwe sizili zachipatala. Koma ndalama zachipatala zimakhala zochititsa kuti kusiyana kwa 20 peresenti pazachipatala kungakhale kowononga mwamsanga. Choncho boma linakhazikitsa msika wokhazikika wa Zowonjezera za Medigap. Opuma pantchito atha kulipira ndalama zowonjezera kumakampani a inshuwaransi wamba kuti alipire 20 peresenti yomaliza, komanso ndalama zotuluka m'thumba.
Mapulani a Medigap amatha kuwononga ndalama zokwana $75 pamwezi, koma amatha kuwononga mazana ambiri, kutengera dongosolo, zaka zanu, jenda, komanso ngati mumasuta. Mosiyana ndi Medicare Advantage, komabe, mapulani awa a Medigap amayendetsedwa kwambiri.
Ndi kusiyana komweku komwe mabungwe a New York City opuma pantchito azaka zopitilira 65 amaphimbidwa ndi pulani ya Senior Care yamzindawo. Mzindawu umaperekanso ndalama zolipirira mwezi uliwonse za Medicare yachikhalidwe, kotero opuma amapeza chithandizo chaulere.
MANAMBA OSAWONZEDWA
Mayiko ndi matauni atero kwambiri adayesa kuyika anthu opuma pantchito mu mapulani a Medicare Advantage akangofika zaka 65. Kumene mabungwe adalimbana ndi kusintha, monga ku Washington state ndi Vermont, atha kuletsa kusintha. Koma mumzinda wa New York, anthu opuma pantchito akhala akulimbana osati ndi mzindawu wokha komanso mabungwe awo kuti asamalowerere mโnjira yoti apeze phindu.
Ogwira ntchito zaboma ku New York City asiya zambiri pazaka zambiri kuti asunge chithandizo chamankhwala chaopuma pantchito cha ironclad, ndipo adalipira mpaka pano. Pamodzi ndi kulipira ndalama za Medicare zachikhalidwe, mzindawu umalipira ndalama zowonjezera zomwe zimatchedwa Senior Care zomwe zimatenga pafupifupi ndalama zonse zomwe Medicare sizimalipira, komanso phindu lamankhwala.
Atsogoleri a District Council 37 ndi UFT amati dongosolo la Medicare Advantage lidzapulumutsa ndalama ndikupereka chithandizo chomwecho. Koma ziwerengerozi sizikuwonjezera, atero a Len Rodberg, katswiri wopuma pantchito wa City University of New York yemwe angakhudzidwe ndi kusinthaku. "Medicare Advantage imayambira 20 peresenti pansi pa zomwe Medicare amachita, ponena za ndalama zenizeni zomwe zimagwiritsidwa ntchito pa chithandizo chamankhwala," adatero Rodberg.
Traditional Medicare amapereka 3 peresenti pamutu. Mosiyana ndi izi, mapulani a Medicare Advantage amayenera kupanga phindu kwa omwe ali ndi masheya, ndipo amalipiranso malipiro akulu akulu ndikusunga ndodo zambiri kuti ateteze mapindu awo pochedwetsa komanso kukana chisamaliro. M'mapulani opangira phindu awa, Rodberg adati, "makamaka chilichonse chomwe chimawononga ndalama chimafunika kuvomerezedwa kale."
Atsogoleri a MLC adati alangizi awo adawauza kuti kusiyanaku kudzatengedwa ndi boma la federal, adatero Rodberg. Koma ngakhale boma la federal linkapereka ndalama zothandizira phindu la Medicare Advantage likukonzekera 20 peresenti kuposa zomwe amalipira odwala a Medicare, thandizoli tsopano latsikira pa 2 peresenti.
Mapulani a Medicare Advantage amachepetsanso ndalama pochita mgwirizano ndi othandizira ena. Izi zikutanthauza kuti kampani ya inshuwaransi idzalipira kokha chisamaliro choperekedwa ndi madokotala kapena zipatala zina. Kwa anthu opuma pantchito omwe amasamukira kumadera omwe ali ndi malo owoneka bwino, Rodberg adati, "mwadzidzidzi khadi lawo la Medicare siligwira ntchito, chifukwa ali ku Medicare Advantage, osati Medicare."
KUCHITA KWAMBIRI
Mphunzitsi wopuma pantchito Gloria Brandman adamva za kusintha kwa 2021 kuchokera kwa abwenzi ku PSC-CUNY, mgwirizano wa aphunzitsi ndi ogwira ntchito ku City University of New York. Iye ndi aphunzitsi ena omwe adapuma pantchito adayamba kuchitapo kanthu, atanyamula ma webinar omwe adakoka anthu 400. Kujambula kwa webinar kunafalikira kwambiri, zomwe zinayambitsa chiwopsezo chomwe chinakakamiza pulezidenti wa UFT, Michael Mulgrew, kuti agwire holo ya tauni komwe adayesa kugulitsa kusintha.
Opuma pantchito kuchokera kwa aphunzitsi, AFSCME, ndi mabungwe angapo ogwira ntchito ovala yunifolomu adapanga Komiti Yokonzekera Ya Cross-Union Retirees Organising Committee kuti amenyane. Brandman ndi ena omenyera ufulu wa CROC amavutitsa Meya wosankhidwa kumene Eric Adams nthawi iliyonse.
Iwo anagwirizana pamene MLC inakumana: โTinaguba tsiku lotentha kwambiri la chaka,โ anatero Brandman. Adachita mwambo wa Tsiku la Valentine "Musatiwononge Mitima Yathu, Meya Adams".
Mu Okutobala adachita msonkhano wa atolankhani wa "Halloween Horror", akuti "Mayor Adams, You're Scaring us to Death." ("Masks a imfa mwasankha," idatero chowulutsa choyitanira).
PALIBE ZOGWIRITSA NTCHITO ZA MAGIC
Lamulo la mzinda limafuna kuti njira zonse zachipatala zomwe mzindawu umapereka zikhala zaulere. Lamuloli lidakhala lofunikira kwambiri, ndipo bungwe la NYC Organisation of Public Service Retirees lidasumira kuti likhazikitsidwe. Woweruza adavomereza kuti zinali zosemphana ndi lamulo kuti mzindawu ulipira akuluakulu $191 pamwezi kuti akhalebe ku Medicare yoyambirira.
Ndiye Adams ndi utsogoleri wa MLC adapempha City Council kuti isinthe lamuloli. Iwo analowa mu macheka a buzz. Pambuyo pa zionetsero zamphamvu ndi maumboni ambiri ochokera kwa anthu opuma pantchito komanso mamembala okangalika m'mabungwe otsutsa kusinthaku - komwe kukanasokoneza chisamaliro chaumoyo wa mamembala omwe akugwira ntchito - Khonsolo ya Mzinda idakana kusintha lamuloli.
Muumboni wake pamaso pa khonsolo, a Jen Gaboury, wapampando wa PSC ku Hunter College adati, "Tikudziwa kuti 'zosunga' izi sizimachokera kumatsenga abizinesi. Mukapeza ndalamazi, mukhala mukukana chisamaliro komanso/kapena kuchedwetsa chithandizo kwa anthu anu, ogwira ntchito m'tauni achikulire. "
MAKONTALAKALA WOGWIRITSA NTCHITO
Chimodzi mwavuto ndikuti mabungwewo adapanga dzenje la $ 600 miliyoni kumapeto kwa makontrakitala ndipo akuyesera kuzimitsa tsopano. Adakambirana kuti agwiritse ntchito thumba lachitetezo chaumoyo, lomwe lidapangidwa kuti lifanane ndi mtengo pakati pa mapulani azaumoyo kwa mamembala omwe akugwira ntchito, kuti alimbikitse kuwonjezeka kwa malipiro. Tsopano thumba lathyoka ndipo likuwopseza kukweza ndalama zothandizira zaumoyo kwa mamembala ogwira ntchito.
Pamisonkhano ya City Council, PSC-CUNY inanena kuti a kuchoka mu chisokonezo ichi. Pulofesa wopuma pantchito, James Perlstein, adazifotokoza mu umboni wake: "(a) Ndalama zowongolera zomwe City ili nazo kuti zithetse ndalama za Municipal Labor Committee Stabilization Fund kwa zaka zitatu; , ndi mitengo yazipatala monga yofunika kwambiri, ndi (c) Kupanga njira yokhazikika yopezera ndalama za inshuwaransi yaumoyo wa City. PSC idanenanso kuti zipatala zopanda phindu ku New York City zimathandizira, chifukwa sizilipira misonkho.
Palibe chilichonse mwa njirazi chomwe chatengedwa, mpaka pano. M'malo mwake, oyang'anira mizinda akupitiliza kukankhira Medicare Advantage. "Mzindawu uli ndi udindo woti sungakambirane mapangano atsopano mpaka mabungwe atawapulumutsa $ 600 miliyoni popita patsogolo ndi dongosolo la Medicare Advantage," adatero Rodberg mu February. Mzindawu ukulonjeza kubwezeretsanso thumba lokhazikika ndi ndalama zokwana $600 miliyoni zomwe zidzapulumutse pakusintha.
Mamembala a AFSCME DC 37 akhala akugwira ntchito kwa miyezi 18 popanda contract. Posachedwapa mzindawu ndi mgwirizanowu zidapanga mgwirizano wongoyerekeza ndi kukweza komwe sikumayenderana ndi kukwera kwa mitengo. Mabungwe ena a mโmizinda amatsutsa kuti chigawo chotsikachi chidzawavulaza iwo, popeza mzindawu ukuyembekeza kuti mgwirizano woyamba wokhazikitsidwa ndi mgwirizano waukulu wa mโtauniyo ukhazikitse dongosolo limene mabungwe a ma municipalities ena adzatsatira kwambiri.
Ndipo ngakhale mamembala adzavotera mgwirizanowu, sangathe kuvotera chithandizo chamankhwala opuma pantchito omwe bungwe lawo lavomerezana ndi zitseko zotsekedwa. Zikuwoneka kuti ngati chikhalidwe chokhazikika, mabungwe akuluakulu a MLC adagwirizana kuti apereke zomwe opumawo amachitcha "nyukiliya," molakwika mwadala malamulo a mzinda omwe adayesa kusintha, ndikupanga Medicare Advantage njira yokhayo kwa opuma pantchito.
Aliyense wopuma pantchito amene akufuna kukhalabe ku Medicare amayenera kulipira malipiro awo onse, ngati kuti alibe mgwirizano.
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