Nā Papahana Hoʻolālā Medicare Blue Cross i 2021

Anter

• He aha nā hoʻolālā Blue Cross Medicare Advantage?
• ʻO nā hoʻolālā Blue Cross Medicare Advantage HMO
• Hoʻolālā ʻo Blue Cross Medicare Advantage PPO
• Nā hoʻolālā lāʻau lāʻau kauoha a Blue Cross Medicare
• Hoʻolālā ʻo Blue Cross Medicare Advantage PFFS
• Nā SNP Medicare Keʻokeʻo Keʻa
• Ehia nā kumukūʻai o nā Blue Medicare Advantage plan?
• He aha ka Medicare Advantage (Medicare Part C)?
• ʻO ka lawe lawe ʻana

• Hāʻawi ʻo Blue Cross i kekahi ʻano o nā hoʻolālā Medicare Advantage a me nā ʻano ma ka hapanui o nā mokuʻāina ma ʻAmelika Hui Pū ʻIa.
• Nui nā hoʻolālā e pili ana i ka uhi lāʻau lāʻau kuhikuhi, a i ʻole hiki iā ʻoe ke kūʻai i kahi papahana ʻĀpana D ʻokoʻa.
• Hāʻawi ka hapa nui o ka Blue Cross Medicare Advantage i nā uku no $ 0 ma kēlā me kēia mahina me ka uhi lāʻau lāʻau.

ʻO Medicare Advantage kahi ala ʻē aʻe i Medicare kumu kahi e hāʻawi ai kahi ʻoihana ʻinikua pilikino i kāu mau pono Medicare, a me nā pono ʻē aʻe i hāʻawi ʻole ʻia Medicare maʻa mau. ʻO nā laʻana me nā hihiʻo, nā niho, a me nā lawelawe olakino pale. ʻO Blue Cross Blue Shield kekahi o kēia mau ʻoihana.

Hāʻawi kēia ʻatikala iā ʻoe e nānā i nā hoʻolālā Blue Cross Medicare Advantage i loaʻa ma United States.

He aha nā hoʻolālā Blue Cross Medicare Advantage?

Hāʻawi ʻo Blue Cross i kekahi ʻano o nā hoʻolālā Medicare Advantage. Hiki ke loli ka loaʻa ʻana e ka ʻāina a me ka mokuʻāina.

E nānā kākou i nā ʻano ʻokoʻa o tMedicare Advantage hoʻolālā Blue Cross hāʻawi.

ʻO nā hoʻolālā Blue Cross Medicare Advantage HMO

Hāʻawi ʻo Blue Cross i nā hoʻolālā ʻo Health Maintenance Organization (HMO) i kekahi mau mokuʻāina, e like me ʻAlikona, Kaleponi, Florida, Massachusetts, a me nā mea hou aku. I kēia ʻano hoʻolālā, loaʻa iā ʻoe kahi mea lawelawe i ka lawelawe mua mua (PCP).

Inā makemake ʻoe i kahi mālama kūikawā, ʻike mua ʻoe i kāu PCP, a laila hāʻawi lākou iā ʻoe i kahi mea kuhikuhi e ʻike i kahi loea. E ʻae mua kāu hoʻolālā ʻinikua i ke kauka hoʻouna kikoʻī.

ʻO kahi ʻokoʻa me Blue Cross ka mea e pono ʻole ai ka hapanui o nā wahine i kahi kuhikuhi e ʻike ai i kahi OB / GYN pūnaewele no ka mālama wahine maikaʻi, e like me Pap smear.

Hoʻolālā ʻo Blue Cross Medicare Advantage PPO

Hāʻawi ʻo Blue Cross i nā hoʻolālā ʻo Preferred Provider Organisation (PPO) i nā mokuʻāina e pili pū me Alabama, Florida, Hawaii, a me Montana (e inoa wale kekahi). Ma ke ʻano he kaulike, e loaʻa i kahi PPO kahi uku kiʻekiʻe kiʻekiʻe aʻe ma mua o kahi HMO. ʻO kēia no ka mea ʻaʻole pono ʻoe e kiʻi i kahi referral e ʻike ai i ka loea ke loaʻa iā ʻoe kahi PPO.

Eia nō naʻe, hiki iā ʻoe ke mālama i ke kālā ma ke koho ʻana i nā mea hoʻolako pūnaewele mai ka papa inoa o ka ʻoihana ʻinikua. E uku paha ʻoe inā koho ʻoe i kahi mea hāʻawi i waho o ka pūnaewele.

Nā hoʻolālā lāʻau lāʻau kauoha a Blue Cross Medicare

Hoʻolālā ʻo Medicare Part D i ka uhi ʻana i kāu lāʻau lapaʻau. Hoʻolālā kekahi Medicare Advantage hoʻolālā ma o Blue Cross hāʻawi i ka lāʻau lapaʻau. Eia nō naʻe, inā ʻaʻole hāʻawi ka hoʻolālā i ka uhi ʻana, hiki iā ʻoe ke koho i kahi hoʻolālā lāʻau lāʻau kū hoʻokahi.

Hāʻawi ʻo Blue Cross i nā hoʻolālā "kumu" a "hoʻonui ʻia" i ka mahele lāʻau hoʻomākaukau a me Standard, Plus, Enhanced, Preferred, Premium, Select, a me nā koho kulekele lāʻau lapaʻau i kuhikuhi ʻia. E hōʻike kēlā me kēia i kahi formulary, a i ʻole ka papa inoa o nā lāʻau i uhi ʻia e ka hoʻolālā a me nā ʻano o nā kumukūʻai. Hiki iā ʻoe ke nānā i kēia mau papa inoa a i ʻole nā ​​formulary e ʻike pono i nā hoʻolālā āu e noʻonoʻo ai e pili pū ana i nā lāʻau āu e lawe ai.

Hoʻolālā ʻo Blue Cross Medicare Advantage PFFS

ʻO kahi hoʻolālā uku pilikino no ka lawelawe (PFFS) kahi hoʻolālā Medicare Advantage a Blue Cross e hāʻawi ai ma Arkansas wale nō. ʻAʻole koi kēia ʻano hoʻolālā iā ʻoe e hoʻohana i kahi PCP, nā mea hoʻolako pūnaewele, a i ʻole e loaʻa i nā mea kuhikuhi. Akā, hoʻonohonoho ka hoʻolālā i ka nui o ia mea e uku ai i ke kauka a kuleana ʻoe no ka uku ʻana i ke koena o ka uku o ka mea hāʻawi.

I kekahi manawa, ʻaelike nā mea hoʻolako me kahi hoʻolālā PFFS e hāʻawi i nā lawelawe. ʻAʻole like me nā hoʻolālā Medicare ʻē aʻe, ʻaʻole pono i kahi mea hoʻolako PFFS e hāʻawi iā ʻoe i nā lawelawe no ka mea ʻae lākou iā Medicare. Hiki iā lākou ke koho inā hāʻawi lākou i kahi lawelawe ma ka helu Medicare reimbursement rate ʻaʻole paha.

Nā SNP Medicare Keʻokeʻo Keʻa

ʻO kahi hoʻolālā pono kūikawā (SNP) kahi hoʻolālā Medicare Advantage i hoʻolaʻa ʻia no ka poʻe i loaʻa kahi kūlana a ʻano paha. Ma ke kūpono, hāʻawi ka hoʻolālā i nā hiʻohiʻona ʻoi aku ka nui e pono ai i kahi kanaka. Koi ʻia ʻo Medicare i nā SNP āpau e hāʻawi i ka laulaha lāʻau i kuhikuhi ʻia.

ʻO nā laʻana o nā Blue Cross SNP:

• Ehia nā kumukūʻai o nā Blue Medicare Advantage plan?

  ʻO ka Medicare Advantage marketplace kahi mea hoʻokūkū nui. Inā ʻoe e noho i kahi kalana nui, nui paha nā hoʻolālā e koho mai.

  Eia kekahi mau laʻana o ka Blue Cross Medicare Advantage hoʻolālā ma nā wahi like ʻole me kā lākou uku uku mahina a me nā kumu kūʻai ʻē aʻe. ʻAʻole pili kēia mau hoʻolālā i ke kumukūʻai o kāu uku mahele o ka hapa B.

  Kūlanakauhale / hoʻolālā	Helu helu hōkū	Uku uku mahina	Hoʻemi ʻia ke olakino, lāʻau lāʻau hoʻemi ʻia	Ma ka pūnaewele i waho o ka ʻeke max	ʻO PCP copay no ke kipa	Copay hoʻomalu no kēlā me kēia kipa
  Kahului, HI: ʻO Anthem MediBlue StartSmart Plus (HMO)	3.5	$0	$0, $0	$3,000	$5	$0–$20
  Phoenix, AZ: Hoʻolālā BluePathway 1 (HMO)	ʻAʻole loaʻa	$0	$0, $0	$2,900	$0	$20
  Cleveland, OH: Hoʻokomo ʻia ʻo Anthem MediBlue Core (Regional PPO)	3.5	$0 (ʻaʻole hoʻokomo i ka uhi lāʻau)	$ 0, ʻaʻole i hoʻokomo ʻia	$4,900	$0	$30
  Houston, TX: Blue Cross Medicare Advantage Basic (HMO)	3	$0	$0, $0	$3,400	$0	$30
  Trenton, NJ: ʻO Horizon Medicare Blue Advantage (HMO)	4	$31	$0, $250	$6,700	$10	$25

  Eia kekahi mau laʻana o nā hoʻolālā Blue Cross Advantage i loaʻa mai ka pūnaewele loaʻa mea loaʻa Medicare.gov. Nui paha nā koho ʻē aʻe i kahi ma ka helu kuhi ZIP.

  He aha ka Medicare Advantage (Medicare Part C)?

  Ke loaʻa nei iā Medicare Advantage (ʻĀpana C) ʻo ia hoʻi ka ʻoihana ʻinikua e hāʻawi nei i kāu hoʻolālā e hāʻawi i ka uhi no Medicare Part A (haukapila maʻi), Medicare Part B (kauka lapaʻau). Hāʻawi kekahi mau hoʻolālā i ka uhi lāʻau lāʻau. Hoʻololi nā hoʻolālā Medicare Advantage i kā lākou koina ma waho o ka ʻeke a me ka uhi ʻana, e like me nā copayments a me nā coinsurances.

  Nā lā palena pau no ke kākau inoa ʻana a i ʻole ka hoʻololi ʻana i kāu hoʻolālā Medicare Advantage

  Eia nā lā nui i ke kākau inoa ʻana a i ʻole ka hoʻololi ʻana i kāu Medicare Advantage plan:

  • Wā kākau inoa mua. ʻO nā mahina 3 mua ma mua o kou 65th lā hānau, kou hānau hānau, a me 3 mau mahina ma hope o kou 65th lā hānau.
  • Wehe kau kau. ʻOkakopa 15 a hiki i Kēkēmapa 7 ka wā kākau inoa hamama no Medicare Advantage. Hoʻomaka ʻia nā hoʻolālā hou ma Ianuali 1.
  • Hoʻokomo inoa Medicare Advantage. I kēia manawa manawa, hiki i kahi kanaka ke hoʻololi i kahi hoʻolālā Medicare Advantage ʻē aʻe inā loaʻa iā lākou ka Medicare Advantage.
  • ʻO Medicare Advantage wā kākau inoa kūikawā. ʻO ka manawa manawa kahi e hiki ai iā ʻoe ke hoʻololi i kāu hoʻolālā Advantage ma muli o nā hanana kūikawā e like me kahi neʻe a i ʻole kahi hoʻolālā i hāʻule i kāu wahi.

  ʻO ka lawe lawe ʻana

  ʻO Blue Cross kekahi o nā ʻoihana ʻinikua e hāʻawi nei i nā hoʻolālā Medicare Advantage. Hiki iā ʻoe ke ʻike i nā hoʻolālā e loaʻa nei ma ka ʻimi ʻana i ka mākeke Medicare.gov a i ʻole ma o ka pūnaewele Blue Cross. E hoʻomanaʻo i nā lā nui i ka wā e hoʻoholo ana i ka manawa e kākau inoa ai i kahi hoʻolālā Medicare Advantage.

  Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 19, 2020, e hōʻike i ka ʻike 2021 Medicare.

  

  Hiki i ka ʻikepili ma kēia pūnaewele ke kōkua iā ʻoe i ka hoʻoholo ʻana pilikino e pili ana i ka ʻinikua, akā ʻaʻole ia i manaʻo ʻia e hāʻawi i nā ʻōlelo aʻoaʻo e pili ana i ke kūʻai a hoʻohana ʻana i nā huahana ʻinikua a me nā ʻinikua paha. ʻAʻole lawelawe ʻo Healthline Media i ka ʻoihana ʻinikua i kekahi ʻano a ʻaʻohe laikini ma ke ʻano he ʻinikua a i ʻole mea hana i kēlā me kēia mana o U.S. ʻAʻole koi a kākoʻo ʻo Healthline Media i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.