Izinhlelo ze-Cigna Medicare Advantage: Umhlahlandlela Wezindawo, Amanani, Nezinhlobo Zokuhlela
-Delile
- Yiziphi izinhlelo zeCigna Medicare Advantage?
- Izinhlelo ze-Cigna Medicare Advantage HMO
- Izinhlelo zeCigna Medicare Advantage PPO
- Izinhlelo zeCigna Medicare Advantage PFFS
- I-akhawunti yokulondoloza i-Cigna Medicare (MSA)
- Izinhlelo zeCigna Medicare Part D (umuthi kadokotela)
- Ezinye izinhlelo zeCigna Medicare
- Amaphi amacebo we-Cigna Medicare Advantage anikezwa?
- Zibiza malini izinhlelo zeMedicare Advantage?
- Yini i-Medicare Advantage (Medicare Part C)?
- Ukuthatha
- Izinhlelo zeCigna Medicare Advantage ziyatholakala ezifundazweni eziningi.
- I-Cigna inikeza izinhlobo eziningana zezinhlelo ze-Medicare Advantage, njenge-HMOs, ama-PPO, ama-SNP, nama-PFFS.
- ICigna iphinde inikeze ngezinhlelo ezihlukile zeMedicare Part D.
E-United States, i-Cigna inikeza umshuwalense wezempilo kumakhasimende ngabaqashi, i-Health Insurance Marketplace, ne-Medicare.
Le nkampani inikeza izinhlelo ze-Medicare Advantage ezindaweni eziningi kulo lonke elase-United States. ICigna iphinde inikeze ngezinhlelo zeMedicare Part D kuzo zonke izifundazwe ezingama-50.
Izinhlelo zikaCigna's Medicare zingatholakala kusetshenziswa ithuluzi lokuthola uhlelo lweMedicare.
Yiziphi izinhlelo zeCigna Medicare Advantage?
UCigna unikela ngezinhlelo zeMedicare Advantage ngezindlela ezahlukahlukene. Akuwona wonke amafomethi atholakala kuzo zonke izifundazwe. Uma uhlala esifundazweni esinezinhlelo zeCigna Medicare Advantage, ungahle ukwazi ukukhetha kumafomethi ambalwa ahlukile. Izinhlelo ongazithola zingafaka izinketho ezilandelayo.
Izinhlelo ze-Cigna Medicare Advantage HMO
Uhlelo lwe-Health Maintenance Organisation (HMO) lusebenza nenethiwekhi ebekiwe yabahlinzeki. Uzodinga ukuya kodokotela, izibhedlela, nabanye abahlinzeki ngaphakathi kwenethiwekhi yohlelo ukuze izinsizakalo zakho zimbozwe. Kodwa-ke, uma unesimo esiphuthumayo, uhlelo luzokhokha noma ngabe uphuma kunethiwekhi.
Ngokuya ngohlelo olukhethayo, kuzodingeka ukhethe udokotela wokunakekela oyinhloko (PCP). I-PCP yakho kufanele ibe ngumhlinzeki oku-inethiwekhi futhi kube ngumuntu okuthumela kubachwepheshe nganoma yimaphi amanye amasevisi ongawadinga.
Izinhlelo zeCigna Medicare Advantage PPO
Uhlelo lwe-Preferred Provider Organisation (PPO) lunenethiwekhi yabahlinzeki njenge-HMO. Kodwa-ke, ngokungafani ne-HMO, uzombozwa lapho ubona odokotela nochwepheshe ngaphandle kwenethiwekhi yohlelo. Icebo lisazokhokha, kepha uzokhokha imali ephakeme noma i-copay imali kunaleyo obuyokhokha ngayo kumhlinzeki wenethiwekhi.
Njengesibonelo, ukuvakashela i-in-network therapist kungakubiza u- $ 40, ngenkathi ukuvakashela umhlinzeki ongaphandle kwenethiwekhi kungabiza u- $ 80.
Izinhlelo zeCigna Medicare Advantage PFFS
Izinhlelo ze-Private Fee-For-Service (PFFS) ziyaguquguquka. Ngokungafani ne-HMO noma i-PPO, izinhlelo ze-PFFS azinayo inethiwekhi. Ungabona noma yimuphi udokotela ovunyelwe yi-Medicare esebenzisa uhlelo lwe-PFFS. Awudingi ukuba ne-PCP noma uthole ukuhanjiswa, noma. Esikhundleni salokho, uzokhokha inani elibekiwe ngenkonzo ngayinye oyitholayo.
Kodwa-ke, abahlinzeki banganquma ukuthi bazokwamukela noma cha uhlelo lwakho lwe-PFFS ngokuya ngamacala ngamacala. Lokhu kusho ukuthi awukwazi ukuthembela kusevisi ehlala imboziwe, noma ngabe unamathela kudokotela ofanayo. Izinhlelo ze-PFFS ziyatholakala nasezindaweni ezimbalwa kunama-HMO noma ama-PPO.
I-akhawunti yokulondoloza i-Cigna Medicare (MSA)
Kungenzeka ungajwayelene nezinhlelo zokulondolozwa kwe-akhawunti ye-Medicare (MSA) njengezinye izinhlobo zezinhlelo zokunakekelwa kwezempilo. Nge-MSA, uhlelo lwakho lokunakekelwa kwezempilo luhlanganiswe ne-akhawunti yasebhange. ICigna izofaka inani lemali esethiwe ku-akhawunti yasebhange, futhi leyo mali izosetshenziselwa ukukhokha zonke izindleko zakho ze-Medicare Part A ne-Part B. Izinhlelo ze-MSA ngokuvamile azibandakanyi ukufakwa kadokotela.
Izinhlelo zeCigna Medicare Part D (umuthi kadokotela)
I-Medicare Part D iwukusetshenziswa kwezidakamizwa kadokotela. Amapulani engxenye D akusiza ukuthi ukhokhele imiyalelo yakho. Uzokhokha i-premium encane ezinhlelweni eziningi ze-Part D, futhi kuvamise ukuthi kudonswe imali ngaphambi kokungena.
Ungahle udinge ukusebenzisa ikhemisi eku-inethiwekhi ukuthola imiyalo yakho imboziwe. Inani lentengo kadokotela wakho elihlanganisiwe lizoya ngokuthi umuthi ujwayelekile yini, igama lomkhiqizo, noma okukhethekile.
Ezinye izinhlelo zeCigna Medicare
Ngokuya ngokuthi uhlala kuphi nezimo zakho, ungakwazi ukuthenga i-Cigna Special Needs Plan (SNP). Ama-SNP enzelwe amakhasimende anezidingo ezithile. Lezi zidingo zingaba ezokwelapha noma ezezimali. Izibonelo zezikhathi lapho i-SNP ingaba ukukhetha okuhle kufaka:
- Unemali engenayo elinganiselwe futhi ufanelekela iMedicaid. Uzokhokha izindleko eziphansi kakhulu uma ufanelekela ukuthola i-Medicaid ne-Medicare ehlanganiswe ne-SNP.
- Unesimo esidinga ukunakekelwa njalo, njengesifo sikashukela. I-SNP yakho ingakusiza ukuphatha isimo sakho futhi ikukhokhele ezinye zezindleko zakho zokunakekelwa.
- Uhlala esikhungweni sabahlengikazi. Ungathola ama-SNP okusiza ukuphatha izindleko zokuhlala esikhungweni sokunakekelwa kwesikhathi eside.
ICigna ibuye inikeze izinhlangano ezimbalwa zeSondlo Sezempilo ezinezinhlelo zePoint-of-Service (HMO-POS). Uzoba nokuguquguquka okuthe xaxa nge-HMO-POS kunecebo lendabuko le-HMO. Lezi zinhlelo zikuvumela ukuthi uphume kunethiwekhi ngezinsizakalo ezithile. Noma kunjalo, ukuphuma kwenethiwekhi kuza nezindleko eziphakeme.
Amaphi amacebo we-Cigna Medicare Advantage anikezwa?
Njengamanje, uCigna unikela ngezinhlelo zeMedicare Advantage ku:
- I-Alabama
- I-Arkansas
- E-Arizona
- IColorado
- I-Delaware
- EFlorida
- IGeorgia
- I-Illinois
- I-Kansas
- EMaryland
- UMississippi
- EMissouri
- Ijezi elisha
- ENew Mexico
- ENyakatho Carolina
- I-Ohio
- I-Oklahoma
- EPennsylvania
- ENingizimu Carolina
- ETennessee
- ITexas
- Utah
- IVirginia
- IWashington, D.C.
Ukunikezwa kohlelo lweMedicare Advantage kuyahluka ngesifunda, ngakho-ke faka ikhodi yakho ye-ZIP ethize lapho usesha izinhlelo lapho uhlala khona.
Zibiza malini izinhlelo zeMedicare Advantage?
Izindleko zohlelo lwakho lweCigna Medicare Advantage luzoya ngokuthi uhlala kuphi nohlobo lwecebo olikhethayo. Khumbula ukuthi noma iyiphi i-premium ye-Advantage plan izokhokhiswa ngaphezu kweprimiyamu ejwayelekile yeMedicare Part B.
Ezinye izinhlobo zohlelo lweCigna namanani avela ezweni lonke angatholakala kuthebula elingezansi:
| Idolobha | Hlela igama | Iphrimiyamu yanyanga zonke | Impilo idonswa, kudonswa izidakamizwa | In-network out-of-pocket max | PCP vakashela copay | Uchwepheshe ovakashele ikopay |
|---|---|---|---|---|---|---|
| Washington, D.C. | I-Cigna Preferred Medicare (HMO) | $0 | $0, $0 | $6,900 | $0 | $35 |
| I-Dallas, TX | I-Cigna Fundamental Medicare (PPO) | $0 | $ 750, ayinikezi ukutholakala kwezidakamizwa | $ 8,700 ngaphakathi nangaphandle kwenethiwekhi, $ 5,700 kunethiwekhi | $10 | $30 |
| UMiami, uFL | I-Cigna Leon Medicare (HMO) | $0 | $0, $0 | $1,000 | $0 | $0 |
| I-San Antonio, TX | I-Cigna Preferred Medicare (HMO) | $0 | $0, $190 | $4,200 | $0 | $25 |
| IChicago, IL | I-Cigna True Choice Medicare (PPO) | $0 | $0, $0 | $ 7,550 ngaphakathi nangaphandle kwenethiwekhi, $ 4,400 kunethiwekhi | $0 | $30 |
Yini i-Medicare Advantage (Medicare Part C)?
I-Medicare Advantage (Ingxenye C) uhlelo lokunakekelwa kwezempilo olunikezwa yinkampani ezimele, njengeCigna, esebenza nezinkontileka neMedicare ukuhlinzeka ngokutholakala.
Izinhlelo zeMedicare Advantage zithatha indawo yeMedicare Part A (umshuwalense wesibhedlela) neMedicare Part B (umshuwalense wezokwelapha). Ngokubambisana, izingxenye zeMedicare A no-B zibizwa ngokuthi “iMedicare yasekuqaleni.” Uhlelo lweMedicare Advantage lukhokhela zonke izinsizakalo ezihlinzekwa yiMedicare yangempela.
Izinhlelo eziningi ze-Medicare Advantage zifaka ukumbozwa okungeziwe, okufana nalokhu:
- izivivinyo zombono
- izivivinyo zokuzwa
- ukunakekelwa kwamazinyo
- ubulungu bezempilo nokuqina
Izinhlelo eziningi zeMedicare Advantage zifaka nokutholakala kwezidakamizwa kadokotela. Ungathenga ukumboza okuhlukile kwe-Part D (umuthi kadokotela) uma uhlelo lwakho lwe-Medicare Advantage lunganikeli ngalokhu kufakwa.
Izinhlelo zeMedicare Advantage ezitholakala kuwe zizoya ngesimo sakho. Ungasebenzisa isitholi sohlelo kuwebhusayithi ye-Medicare ukubona ukuthi yini okutholakala endaweni yangakini.
Ukuthatha
ICigna ingenye yezinkampani eziningi ezenza isivumelwano noMedare ukuhlinzeka ngezinhlelo zePart C. UCigna unikela ngezinhlelo zeMedicare Advantage ngamanani entengo ahlukahlukene. Akuzona zonke izinhlelo ezitholakala kuzo zonke izifundazwe.
Ungakhetha uhlelo oluhlangabezana nezidingo zakho zokunakekelwa kwezempilo kanye nesabelomali ngokusebenzisa isitholi sohlelo lwewebhusayithi ye-Medicare. ICigna futhi inezinketho zabantu abafuna ukuthenga izinhlelo ezihlukile ze-Part D.
Lo mbhalo uvuselelwe ngoNovemba 13, 2020, ukukhombisa imininingwane ye-2021 Medicare.
Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.
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