Sengoli: Judy Howell
Letsatsi La Creation: 28 Phupu 2021
Ntlafatsa Letsatsi: 1 November 2024
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Merero ea Cigna Medicare Advantage: Tataiso ea libaka, litheko le mefuta ea meralo - Bophelo
Merero ea Cigna Medicare Advantage: Tataiso ea libaka, litheko le mefuta ea meralo - Bophelo

Litaba

  • 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:

MotseRera lebitsoPremium ea khoeli le khoeliBophelo bo ka fokotsoa, ho huloa lithethefatsiMaqhubu a marang-rang a kantle ho pokothoPCP etela copayEtela setsebi sa copay
Washington,
D.C.
Cigna Preferred Medicare (HMO)$0$0, $0$6,900$0$35
Robeline, LA - Dallas, TXCigna 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, FLCigna Leon Medicare (HMO)$0$0, $0$1,000$0$0
San Antonio, TXCigna Preferred Medicare (HMO)$0$0, $190$4,200$0$25
Chicago, IL HotelekCigna 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.

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