Merero ea Cigna Medicare Advantage: Tataiso ea libaka, litheko le mefuta ea meralo
Litaba
- Merero ea Cigna Medicare Advantage ke efe?
- Merero ea Cigna Medicare Advantage HMO
- Cigna Medicare Advantage PPO merero
- Merero ea Cigna Medicare Advantage PFFS
- Ak'haonte e bolokang Cigna Medicare (MSA)
- Merero ea Cigna Medicare Part D (moriana o fanoang ke ngaka)
- Merero e meng ea Cigna Medicare
- Merero ea Cigna Medicare Advantage e fanoa kae?
- Merero ea Medicare Advantage e bokae?
- Medicare Advantage (Medicare Part C) ke eng?
- Tsela
- Merero ea Cigna Medicare Advantage e fumaneha libakeng tse ngata.
- Cigna e fana ka mefuta e 'maloa ea merero ea Medicare Advantage, e kang li-HMO, li-PPO, li-SNP le li-PFFS.
- Cigna e boetse e fana ka merero e arohaneng ea Medicare Part D.
United States, Cigna e fana ka inshorense ea bophelo bo botle ho bareki ka bahiri, Health Market Marketplace le Medicare.
Khamphani e fana ka merero ea Medicare Advantage libakeng tse ngata ho pholletsa le United States. Cigna e boetse e fana ka merero ea Medicare Part D libakeng tsohle tse 50.
Merero ea Cigna's Medicare e ka fumanoa u sebelisa sesebelisoa sa Medicare sa ho fumana moralo.
Merero ea Cigna Medicare Advantage ke efe?
Cigna e fana ka merero ea Medicare Advantage ka mefuta e fapaneng. Ha se liforomo tsohle tse fumanehang libakeng tsohle. Haeba u lula seterekeng se nang le merero ea Cigna Medicare Advantage, u ka khetha mefuteng e fapaneng e fapaneng. Merero eo u ka e fumanang e ka kenyelletsa likhetho tse latelang.
Merero ea Cigna Medicare Advantage HMO
Morero oa Mokhatlo oa Tlhokomelo ea Bophelo (HMO) o sebetsa le marang-rang a bafani ba litšebeletso. U tla hloka ho ea ho lingaka, lipetlele, le bafani ba bang ka har'a marang-rang a moralo hore litšebeletso tsa hau li koaheloe. Leha ho le joalo, haeba u na le ts'ohanyetso, moralo o kanna oa lefa le ha o ka tsoa marang-rang.
Ho latela moralo oo u o khethang, o tla hloka ho khetha ngaka ea tlhokomelo ea mantlha (PCP). PCP ea hau e tlameha ho ba mofani oa inthanete mme e tla ba motho ea u fetisetsang ho litsebi bakeng sa lits'ebeletso tse ling tseo u ka li hlokang.
Cigna Medicare Advantage PPO merero
Morero oa Mokhatlo oa Bafani ba Khethiloeng (PPO) o na le marang-rang a bafani joalo ka HMO. Leha ho le joalo, ho fapana le HMO, o tla koaheloa ha o bona lingaka le litsebi kantle ho marang-rang a moralo. Morero o ntse o tla lefa, empa o tla lefa chelete e phahameng ea lichelete tsa tšepe kapa chelete ea copay ho feta kamoo o neng o tla lefa ka mofani oa inthanete.
Mohlala, ho etela setsebi sa marang-rang se ka u jella $ 40, ha ho etela mofani oa kantle ho marang-rang ho ka bitsa $ 80.
Merero ea Cigna Medicare Advantage PFFS
Merero ea poraefete bakeng sa ts'ebeletso (PFFS) ea fetoha. Ho fapana le HMO kapa PPO, merero ea PFFS ha e na marang-rang. U ka bona ngaka efe kapa efe e lumelletsoeng ke Medicare u sebelisa leano la PFFS. Ha ho hlokahale hore u be le PCP kapa u fumane litšupiso, ebang ke. Ho e-na le hoo, u tla lefa chelete e behiloeng bakeng sa tšebeletso ka ’ngoe eo u e fumanang.
Leha ho le joalo, bafani ba ka etsa qeto ea hore na ba amohela moralo oa hau oa PFFS maemong a itseng. Sena se bolela hore o ke ke oa ts'epa hore ts'ebeletso e lula e koaheloa, leha o ka khomarela ngaka e tšoanang. Merero ea PFFS le eona e fumaneha libakeng tse fokolang ho feta li-HMO kapa li-PPO.
Ak'haonte e bolokang Cigna Medicare (MSA)
U kanna oa se tloaelane le merero ea poloko ea Medicare (MSA) joalo ka mefuta e meng ea merero ea tlhokomelo ea bophelo. Le MSA, moralo oa hau oa tlhokomelo ea bophelo o kopantsoe le ak'haonte ea banka. Cigna e tla kenya chelete e seng e setiloe ak'haonteng ea banka, 'me chelete eo e tla sebelisoa ho lefa litšenyehelo tsohle tsa hau tsa Medicare Part A le Karolo ea B. Merero ea MSA ka kakaretso ha e kenyelle tšireletso ea lengolo la ngaka.
Merero ea Cigna Medicare Part D (moriana o fanoang ke ngaka)
Medicare Karolo ea D ke tšireletso ea lithethefatsi. Merero ea Karolo ea D e u thusa ho lefella mangolo a hau a ngaka. U tla lefa chelete e nyane bakeng sa merero e mengata ea Karolo ea D, 'me hangata ho ba le chelete e huloang pele tšireletso e qala.
U kanna ua hloka ho sebelisa k'hemistri ea inthaneteng ho koahela litaelo tsa hau. Hore na theko ea hau ea ngaka e koahetsoeng e tla itšetleha ka hore na sethethefatsi seo ke se tloaelehileng, lebitso la lebitso, kapa se ikhethang.
Merero e meng ea Cigna Medicare
Ho latela hore na o lula kae le maemo a hau, o kanna oa khona ho reka Morero oa Litlhoko tsa Cigna (SNP). Li-SNP li etselitsoe bareki ba nang le litlhoko tse ikhethang. Litlhoko tsena e ka ba tsa bongaka kapa tsa lichelete. Mehlala ea linako tseo SNP e ka bang khetho e ntle e kenyelletsa:
- U na le chelete e lekanyelitsoeng 'me u tšoaneleha bakeng sa Medicaid. U tla lefa litšenyehelo tse tlase haholo haeba u tšoaneleha bakeng sa SNP ea Medicaid le Medicare e kopaneng.
- U na le boemo bo hlokang tlhokomelo ea kamehla, joalo ka lefu la tsoekere. SNP ea hau e ka u thusa ho laola boemo ba hau le ho koahela tse ling tsa litšenyehelo tsa tlhokomelo.
- U lula setsing sa booki. U ka fumana li-SNP ho thusa ho sebetsana le litšenyehelo tsa ho phela setsing sa tlhokomelo ea nako e telele.
Cigna e boetse e fana ka mekhatlo e 'maloa ea Tlhokomelo ea Bophelo ka merero ea Point-of-Service (HMO-POS). U tla ba le maemo a batlang a fetoha le HMO-POS ho feta moralo oa setso oa HMO. Merero ena e u lumella ho tsoa marang-rang bakeng sa lits'ebeletso tse itseng. Leha ho le joalo, ho tsoa marang-rang ho tla le litšenyehelo tse phahameng.
Merero ea Cigna Medicare Advantage e fanoa kae?
Hajoale, Cigna e fana ka merero ea Medicare Advantage ka:
- Alabama
- Arkansas
- Arizona
- Colorado
- Delaware
- Florida
- Georgia
- Illinois
- Kansas
- Maryland
- Mississippi
- Missouri
- New Jersey
- New Mexico
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Washington, D.C.
Linyehelo tsa morero oa Medicare Advantage lia fapana ho ea ka libaka, kahoo kenya khoutu ea hau ea ZIP ha u batla meralo ea moo u lulang teng.
Merero ea Medicare Advantage e bokae?
Litsenyehelo tsa moralo oa hau oa Cigna Medicare Advantage li tla latela hore na o lula kae le mofuta oa moralo oo u o khethang. Hopola hore leano lefe kapa lefe la Advantage plan le tla lefisoa ntle le tefo ea standard Medicare Part B.
Mefuta e meng ea moralo oa Cigna le litheko ho tsoa naheng ka bophara li ka fumanoa tafoleng e ka tlase:
Motse | Rera lebitso | Premium ea khoeli le khoeli | Bophelo bo ka fokotsoa, ho huloa lithethefatsi | Maqhubu a marang-rang a kantle ho pokotho | PCP etela copay | Etela setsebi sa copay |
---|---|---|---|---|---|---|
Washington, D.C. | Cigna Preferred Medicare (HMO) | $0 | $0, $0 | $6,900 | $0 | $35 |
Robeline, LA - Dallas, TX | Cigna ea mantlha ea Medicare (PPO) | $0 | $ 750, ha e fane ka tšireletso ea lithethefatsi | $ 8,700 le ho tsoa marang-rang, $ 5,700 marang-rang | $10 | $30 |
Miami, FL | Cigna Leon Medicare (HMO) | $0 | $0, $0 | $1,000 | $0 | $0 |
San Antonio, TX | Cigna Preferred Medicare (HMO) | $0 | $0, $190 | $4,200 | $0 | $25 |
Chicago, IL Hotelek | Cigna True Choice Medicare (PPO) | $0 | $0, $0 | $ 7,550 ho kena le ho tsoa marang-rang, $ 4,400 marang-rang | $0 | $30 |
Medicare Advantage (Medicare Part C) ke eng?
Medicare Advantage (Karolo C) ke leano la tlhokomelo ea bophelo bo fanoang ke k'hamphani e ikemetseng, joalo ka Cigna, e lumellanang le Medicare ho fana ka tšireletso.
Merero ea Medicare Advantage e nka sebaka sa Medicare Part A (inshorense ea sepetlele) le Medicare Part B (inshorense ea bongaka). Hammoho, likarolo tsa Medicare A le B li bitsoa "Medicare ea mantlha." Morero oa Medicare Advantage o lefella litšebeletso tsohle tse koaheloang ke Medicare ea mantlha.
Merero e mengata ea Medicare Advantage e kenyelletsa tšireletso e eketsehileng, e kang:
- litlhahlobo tsa pono
- litlhahlobo tsa kutlo
- tlhokomelo ea meno
- bophelo bo botle le ho ba setho sa boikoetliso
Merero e mengata ea Medicare Advantage e kenyelletsa tšireletso ea lithethefatsi. O ka reka karolo e arohaneng ea Karolo ea D (setlhare sa ngaka) haeba leano la hau la Medicare Advantage le sa fane ka tšireletso ena.
Merero ea Medicare Advantage eo u ka e fumanang e tla latela boemo ba hau. U ka sebelisa sebatli sa meralo webosaeteng ea Medicare ho bona se fumanehang sebakeng sa heno.
Tsela
Cigna ke e 'ngoe ea likhamphani tse etsang konteraka le Medicare ho fana ka merero ea Karolo ea C. Cigna e fana ka merero ea Medicare Advantage ka lintlha tse fapaneng tsa litheko. Ha se meralo eohle e fumanehang libakeng tsohle.
U ka khetha moralo o lumellanang le litlhoko tsa hau tsa tlhokomelo ea bophelo le tekanyetso ka ho sebelisa sebatli sa marang-rang sa Medicare. Cigna e boetse e na le likhetho bakeng sa batho ba batlang ho reka meralo e arohaneng ea Karolo D.
Sengoliloeng sena se ntlafalitsoe ka la 13 Pulungoana 2020 ho bonts'a tlhaiso-leseling ea 2021 ea Medicare.
Tlhahisoleseling e fumanehang webosaeteng ena e ka u thusa ho iketsetsa liqeto ka inshorense, empa ha ea etsetsoa ho fana ka likeletso mabapi le ho reka kapa ho sebelisa inshorense kapa lihlahisoa tsa inshorense. Healthline Media ha e sebetse khoebong ea inshorense ka tsela efe kapa efe ebile ha e na laesense ea ho ba k'hamphani ea inshorense kapa moetsi oa matla afe kapa afe a U.S. Healthline Media ha e khothaletse kapa ho ts'ehetsa batho ba boraro ba ka etsang khoebo ea inshorense.