Nā Hoʻolālā Pono Cigna Medicare: Kahi Alakaʻi i nā Wahi, Nā Kālā, a me nā ʻano hoʻolālā

Anter

• He aha nā hoʻolālā Cigna Medicare Advantage?
• ʻO Cigna Medicare Advantage HMO hoʻolālā
• ʻO Cigna Medicare Advantage PPO hoʻolālā
• ʻO Cigna Medicare Advantage PFFS hoʻolālā
• ʻO ka waihona mālama mālama Cigna Medicare (MSA)
• ʻO Cigna Medicare Māhele D (lāʻau lāʻau kuhikuhi) nā hoʻolālā
• Nā hoʻolālā Cigna Medicare ʻē aʻe
• Ma hea nā mōhai Cigna Medicare Advantage i hāʻawi ʻia?
• Ehia nā kumukūʻai o Medicare Advantage.
• He aha ka Medicare Advantage (Medicare Part C)?
• ʻO ka lawe lawe ʻana

• Loaʻa nā hoʻolālā Cigna Medicare Advantage i nā mokuʻāina he nui.
• Hāʻawi ʻo Cigna i kekahi mau ʻano o nā hoʻolālā Medicare Advantage, e like me nā HMO, nā PPO, nā SNP, a me nā PFFS.
• Hāʻawi ʻo Cigna i nā hoʻolālā Medicare Part D ʻokoʻa.

Ma ʻAmelika Hui Pū ʻIa, hāʻawi ʻo Cigna i ka ʻinikua olakino i nā mea kūʻai mai ma o nā luna hana, ka Hale ʻInikua ʻInikua Ola, a me Medicare.

Hāʻawi ka ʻoihana i nā hoʻolālā Medicare Advantage ma nā wahi he nui ma ʻAmelika Hui Pū ʻIa. Hāʻawi ʻo Cigna i nā hoʻolālā Medicare Part D ma nā mokuʻāina 50 āpau.

Hiki ke loaʻa nā hoʻolālā Medicare a Cigna me ka hoʻohana ʻana i ka pono hana a Medicare.

He aha nā hoʻolālā Cigna Medicare Advantage?

Hāʻawi ʻo Cigna i nā hoʻolālā Medicare Advantage i nā ʻano mana like ʻole. ʻAʻole loaʻa nā ʻano āpau i nā mokuʻāina āpau. Inā ʻoe e noho i kahi mokuʻāina e loaʻa nā hoʻolālā ʻo Cigna Medicare Advantage, hiki paha iā ʻoe ke koho mai kekahi mau ʻano ʻokoʻa. Hoʻohui paha nā hoʻolālā iā ʻoe i nā koho aʻe.

ʻO Cigna Medicare Advantage HMO hoʻolālā

Hana kahi hoʻolālā mālama ola (HMO) me kahi hoʻonohonoho hoʻonohonoho o nā mea hāʻawi. Pono ʻoe e hele i nā kauka, nā haukapila, a me nā mea lawelawe ʻē aʻe i loko o ka pūnaewele o ka hoʻolālā e uhi ʻia kāu mau lawelawe. Eia nō naʻe, inā loaʻa iā ʻoe kahi pilikia, e uku paha ka hoʻolālā ʻoiai ʻoe e hele i waho o ka pūnaewele.

Ma muli o ka hoʻolālā āu e koho ai, pono ʻoe e koho i kahi kauka mālama mua (PCP). Pono kāu PCP e hoʻolako pūnaewele a ʻo ia ke kanaka nāna e kuhikuhi iā ʻoe i nā loea no nā lawelawe ʻē aʻe āu e pono ai.

ʻO Cigna Medicare Advantage PPO hoʻolālā

Loaʻa i kahi hoʻolālā ʻo kahi ʻoihana ʻoihana ʻoi aku ka makemake (PPO) kahi pūnaewele o nā mea hoʻolako e like me kahi HMO. Eia nō naʻe, ʻokoʻa ka HMO, uhi ʻia ʻoe ke ʻike ʻoe i nā kauka a me nā loea ma waho o ka pūnaewele o ka hoʻolālā. E uku nō ka hoʻolālā, akā e uku ʻoe i ka coinsurance ʻoi aku a i ʻole copay nui ma mua o kāu e hana ai me kahi mea lawelawe pūnaewele.

Ma ke ʻano he laʻana, he $ 40 ke kumu o ke kipa ʻana aku i ka mea hoʻoponopono kino kino i loko o ka pūnaewele.

ʻO Cigna Medicare Advantage PFFS hoʻolālā

He palupalu nā hoʻolālā Fee-For-Service (PFFS) ponoʻī. ʻAʻole like me kahi HMO a i ʻole PPO, ʻaʻohe pūnaewele o nā hoʻolālā PFFS. Hiki iā ʻoe ke ʻike i kekahi kauka i ʻae ʻia e Medicare e hoʻohana nei i kahi hoʻolālā PFFS. ʻAʻole pono ʻoe e loaʻa kahi PCP a i ʻole e kiʻi i nā mea kuhikuhi, ʻaʻole paha. Akā, e uku ʻoe i kahi huina i hoʻonohonoho ʻia no kēlā me kēia lawelawe i loaʻa iā ʻoe.

Eia nō naʻe, hiki i nā mea hoʻolako ke hoʻoholo inā ʻae paha i kāu hoʻolālā PFFS ma kēlā me kēia hihia. ʻO kēia ʻaʻole hiki iā ʻoe ke helu i kahi lawelawe e uhi mau ʻia, ʻoiai ʻoe e pili me ke kauka like. Loaʻa nā hoʻolālā PFFS i nā wahi liʻiliʻi ma mua o nā HMO a i ʻole nā ​​PPO.

ʻO ka waihona mālama mālama Cigna Medicare (MSA)

ʻAʻole paha ʻoe kamaʻāina me nā hoʻolālā mālama mālama Medicare (MSA) e like me nā ʻano hoʻolālā olakino ʻē aʻe. Me kahi MSA, hoʻohui ʻia kāu hoʻolālā olakino me kahi waihona panakō. E waiho ʻo Cigna i kahi kālā i hoʻonohonoho ʻia i loko o ka waihona kālā, a e hoʻohana ʻia kēlā kālā e uku ai i kāu koina Medicare Part A a me ka ʻĀpana B. ʻAʻole pili nā hoʻolālā MSA i ka uhi kuhikuhi.

ʻO Cigna Medicare Māhele D (lāʻau lāʻau kuhikuhi) nā hoʻolālā

ʻO Medicare ʻĀpana D ka laʻau lāʻau i kuhikuhi ʻia. Kōkua nā ʻāpana D ʻāpana iā ʻoe e uku no kāu kuhikuhi. E uku ʻoe i kahi uku liʻiliʻi no ka hapanui o nā papahana D D, a aia kahi maʻamau i unuhi ʻia ma mua o ka hoʻomaka ʻana o ka uhi.

Pono paha ʻoe e hoʻohana i kahi hale kūʻai lāʻau i loko o ka pūnaewele e uhi i kāu palapala kuhikuhi. Ehia mau kumukūʻai o kāu kauka e uhi ai e pili ana inā he generic ka lāʻau, inoa inoa, a i ʻole he loea.

Nā hoʻolālā Cigna Medicare ʻē aʻe

Kaukaʻi ʻia i kou wahi e noho ai a me kāu mau kūlana, hiki paha iā ʻoe ke kūʻai i kahi Plan Pono Pono Cigna (SNP). Hoʻolālā ʻia nā SNP no nā mea kūʻai aku me nā pono kikoʻī. He olakino a kālā paha kēia mau pono. ʻO nā laʻana o nā manawa he koho maikaʻi paha kahi SNP:

• Loaʻa kāu loaʻa kālā a kūpono i Medicaid. E uku ʻoe i nā kumukūʻai haʻahaʻa inā kūpono ʻoe i Medicaid a me Medicare i hui ʻia SNP.
• He kūlana kou e pono ai ka mālama mau, e like me ka maʻi kō. Hiki i kāu SNP ke kōkua iā ʻoe e hoʻokele i kāu kūlana a uhi i kekahi o kāu kumukūʻai mālama.
• Noho ʻoe i kahi wahi hānai. Hiki iā ʻoe ke loaʻa iā SNP e kōkua i ka mālama ʻana i nā koina o ka noho ʻana i kahi keʻena mālama wā lōʻihi.

Hāʻawi pū ʻo Cigna i kekahi mau hui mālama ola me kahi hoʻolālā o ka Point-of-Service (HMO-POS). E loaʻa hou ka maʻalahi me kahi HMO-POS ma mua o kahi hoʻolālā HMO kuʻuna. ʻAe kēia mau hoʻolālā iā ʻoe e hele i waho o ka pūnaewele no kekahi mau lawelawe. Eia nō naʻe, hele ka hele ʻana i waho o ka pūnaewele me ke kumu kūʻai kiʻekiʻe.

Ma hea nā mōhai Cigna Medicare Advantage i hāʻawi ʻia?

I kēia manawa, hāʻawi ʻo Cigna i nā hoʻolālā Medicare Advantage i:

• ʻAlapama
• Arkansas
• ʻAlikona
• Kolorado
• Delaware
• Pololika
• Keokia
• Ilinoi
• Kansas
• Maryland
• Misisipi
• Missouri
• New Jersey
• Mekiko Hou
• Karolina ʻĀkau
• Ohio
• Oklahoma
• Pennsylvania
• Karolina Hema
• Tennessee
• Texas
• ʻO Utaha
• Viriginia
• Wakinekona, D.C.

Hoʻololi nā mōhai hoʻolālā Medicare Advantage e ka kalana, no laila e hoʻokomo i kāu code ZIP kikoʻī ke ʻimi nei i nā hoʻolālā kahi āu e noho ai.

Ehia nā kumukūʻai o Medicare Advantage.

ʻO ke kumukūʻai o kāu hoʻolālā Cigna Medicare Advantage e pili ana i kahi āu e noho ai a me ke ʻano o ka hoʻolālā āu e koho ai. E hoʻomanaʻo i kēlā me kēia uku hoʻolālā Advantage e uku ʻia me ka hoʻohui i ka uku Medicare Part B premium.

Hiki ke ʻike ʻia kekahi mau ʻano hoʻolālā Cigna a me nā kumukūʻai mai nā ʻāina a puni i ka papa ma lalo:

He aha ka Medicare Advantage (Medicare Part C)?

ʻO Medicare Advantage (ʻĀpana C) kahi hoʻolālā olakino i hāʻawi ʻia e kahi ʻoihana pilikino, e like me Cigna, nā ʻaelike me Medicare e hāʻawi i ka uhi.

Lawe nā hoʻolālā Medicare Advantage ma kahi o Medicare Part A (ʻinikua haukapila) a me Medicare ʻāpana B (ʻinikua olakino). Hoʻohui pū ʻia, kapa ʻia nā ʻāpana Medicare A a me B ma ke ʻano he “Medicare kumu.” Uku kahi papahana Medicare Advantage no nā lawelawe āpau i uhi ʻia e Medicare kumu.

ʻO ka hapa nui o nā hoʻolālā Medicare Advantage me nā uhi hou aʻe, e like me:

• nā hoʻāʻo hihio
• hoʻāʻo hoʻolohe
• mālama niho
• nā lālā olakino a olakino

Hoʻohui pū nā hoʻolālā Medicare Advantage he nui i ka uhi lāʻau lāʻau. Hiki iā ʻoe ke kūʻai i ʻāpana D ʻāpana ʻokoʻa (lāʻau lāʻau kuhikuhi) inā ʻaʻole hāʻawi kāu papahana Medicare Advantage i kēia uhi.

E pili ana nā hoʻolālā Medicare Advantage iā ʻoe i kāu mokuʻāina. Hiki iā ʻoe ke hoʻohana i ka mea loaʻa hoʻolālā ma ka pūnaewele Medicare e ʻike i nā mea i loaʻa i kāu wahi.

ʻO ka lawe lawe ʻana

ʻO Cigna kekahi o nā ʻoihana e ʻaelike me Medicare e hoʻolako i nā hoʻolālā ʻĀpana C. Hāʻawi ʻo Cigna i nā hoʻolālā Medicare Advantage ma nā helu kumukūʻai like ʻole. ʻAʻole loaʻa nā hoʻolālā āpau i nā mokuʻāina āpau.

Hiki iā ʻoe ke koho i kahi hoʻolālā e kūpono i kāu pono olakino a me kāu kālā ma o ka hoʻohana ʻana i ka mea loaʻa ma ka pūnaewele Medicare. He koho nō hoʻi ʻo Cigna no ka poʻe makemake e kūʻai i nā hoʻolālā ʻĀpana D ʻokoʻa.

Ua hōʻano hou ʻia kēia ʻatikala ma Nowemapa 13, 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.