He aha nā papa hana maikaʻi Medicare e hāʻawi ʻia e Humana i 2021?

Anter

• Humana Medicare Advantage HMO hoʻolālā
• Nā kumukūʻai
• ʻVeragehi uhi
• Humana Medicare Advantage PPO hoʻolālā
• Nā kumukūʻai
• ʻVeragehi uhi
• Nā hoʻolālā Humana Medicare Advantage PFFS
• Nā kumukūʻai
• ʻVeragehi uhi
• Humana Medicare Advantage SNPs
• Nā kumukūʻai
• ʻVeragehi uhi
• He aha ka pono Medicare?
• ʻO ka lawe lawe ʻana

• He hui inikua pilikino ʻo Humana e hāʻawi nei i nā hoʻolālā Medicare Advantage (ʻĀpana C).
• Hāʻawi ʻo Humana i nā koho hoʻolālā HMO, PPO, PFFS, a me SNP.
• ʻAʻole hiki ke loaʻa nā hoʻolālā Medicare Advantage Humana āpau i kāu wahi.

Inā ua hoʻoholo mua ʻoe e hele me kahi hoʻolālā Medicare Advantage (Medicare Part C), he mau hoʻoholo nō kāu. ʻO kekahi o kēia ka mea hoʻolako inikua e hoʻolako i kāu uhi.

He hui inikua olakino ʻo Humana i hoʻokumu ʻia ma Kentucky a ʻae ʻia e Medicare e kūʻai aku i nā hoʻolālā ʻo Part C. E kamaʻilio mākou e pili ana i nā hoʻolālā a Humana e hāʻawi ai, kā lākou kumukūʻai, nā mea a lākou e uhi ai, a me nā mea hou aʻe.

Humana Medicare Advantage HMO hoʻolālā

Nā kumukūʻai

Hoʻohilahi ʻia nā hoʻolālā ʻo Health Maintenance Organization (HMO) i nā poʻe he nui no ko lākou hiki. I nā code ZIP he nui, loaʻa nā hoʻolālā no $ 0 ka uku nui o kēlā me kēia mahina.

E koi ʻia nā copay haʻahaʻa inā ʻike ʻoe i nā mea hoʻolako, e like me nā loea. Hoʻololi kēia mau uku, kau ʻia ma ka wahi, akā mai $ 0 a $ 50 i ka nui o nā wahi. I nā manawa he nui, ʻaʻole koi kāu kauka mālama mua i kahi copay.

Hoʻololi nā unuhi makahiki no Humana HMO i nā hoʻolālā mai $ 0 a i kahi $ 800, ma muli o kāu wahi a me ka hoʻolālā āu e koho ai.

Hiki paha i kekahi makahiki ke unuhi ʻia no ka uhi lāʻau lāʻau kuhikuhi pū kekahi. Kūlike kēia mau mea mai $ 0 a kahi $ 445, ma muli o kāu wahi a me ka hoʻolālā āu e koho ai.

E loli hoʻi kāu kumukūʻai makahiki ma waho o ka ʻeke ma muli o ka hoʻolālā āu e koho ai, akā ʻo ka max no kēlā me kēia hoʻolālā Medicare Advantage $ 7,550 i ka 2021.

ʻVeragehi uhi

Koi ʻia e ke kānāwai, uhi kēia mau hoʻolālā ma ka liʻiliʻi e like me ka Medicare maoli, no laila hiki iā ʻoe ke hōʻoia i ka loaʻa ʻana o ka uhi ʻana i ka haukapila, ka lāʻau lapaʻau, a me ka mālama pale ʻana, e like me nā koho loiloi makahiki a me nā lāʻau lapaʻau

E like me kekahi HMO, koi ʻia ʻoe e koho i kāu kauka, e like me kāu kauka mālama mua (PCP), mai loko mai o ka pūnaewele ʻoihana o ka hoʻolālā. Hāʻawi ʻo Humana i kahi hoʻolālā Point-of-Service (HMO-POS) e ʻae iā ʻoe e koho i nā mea lawelawe i waho o ka pūnaewele i kekahi mau kūlana.

Pono ʻoe i nā mea kuhikuhi mai kāu PCP e ʻike i nā loea a me nā mea hāʻawi ʻē aʻe.

Uhi nā HMO o Humana i ka mālama olakino olakino ma waho o ʻAmelika Hui Pū ʻIa.

Hoʻopili pū kekahi o nā HMO o Humana i ka uhi lāʻau i kuhikuhi ʻia i like a i ʻole maikaʻi ma mua o nā hoʻolālā Medicare Part D kū hoʻokahi.

ʻO ka hapa nui o kēia mau hoʻolālā e pili ana i ke komo manuahi ʻana i nā hale haʻuki kūloko a me nā hui olakino. ʻAʻole hoʻokomo ʻia kēlā me kēia pono pono kino i kēia papa inoa.

Humana Medicare Advantage PPO hoʻolālā

Nā kumukūʻai

Hāʻawi nā hoʻolālā ʻoihana ʻoihana ʻoi aku iā ʻoe i ke kūʻokoʻa e koho i kekahi kauka i ʻae ʻia e Medicare āu e makemake ai e ʻike. Eia naʻe, ʻoi aku ka uku o nā mea hoʻolako i waho o ka hoʻolālā i ka hapa nui o nā hanana.

ʻOi aku ke kiʻekiʻe o kāu uku hoʻolālā a me nā copay ma mua o nā HMO i kekahi mau code ZIP akā hiki ke maʻalahi. Loaʻa nā Copays no nā loea mai $ 20 a $ 40 i ka nui o nā hanana.

ʻO ka hapa nui o nā kānana pale makahiki hiki ke loaʻa me ka uku ʻole.

Eia hou, e loli nō hoʻi kāu mau makahiki ʻoi aku ka nui o nā uku ma waho o ka pocket ma muli o ka hoʻolālā āu e koho ai akā ʻaʻole hiki ke ʻoi aku ma mua o $ 7,550

ʻVeragehi uhi

E like me ka mea i koi ʻia e ke kānāwai, uhi kēia mau hoʻolālā ma ka liʻiliʻi e like me ka Medicare kumu, no laila hiki iā ʻoe ke hōʻoia i ka loaʻa ʻana i ka haukapila a me ka lāʻau lapaʻau maʻi maʻi.

Oe e ʻaʻole pono i kahi mea kuhikuhi e ʻike ai i ka loea.

Hāʻawi kēia mau hoʻolālā i ka mālama olakino home pūnaewele. Hāʻawi pū lākou i nā mea hoʻohui koho, e like me ka hihiʻo, kauka niho, nā lāʻau lapaʻau kuhikuhi, a me nā polokalamu hoʻoikaika kino.

ʻO ka mālama kūpilikiʻi ma waho o ʻAmelika Hui Pū ʻIa kahi pōmaikaʻi hou aʻe.

Nā hoʻolālā Humana Medicare Advantage PFFS

Nā kumukūʻai

ʻAʻole loaʻa nā hoʻolālā pilikino no ka lawelawe (PFFS) i nā wahi āpau.

Me kahi hoʻolālā PFFS, hiki iā ʻoe ke ʻike i kekahi kauka i ʻae ʻia e Medicare, ke hāʻawi ʻia ua ʻae lākou i nā ʻōlelo o ka lawelawe PFFS a Humana a me nā kūlana o ka uku.

ʻOkoʻa nā hoʻolālā Humana PFFS mai ka Medicare kumu a mai nā hoʻolālā kōkua ʻē aʻe. ʻOiai ʻo ka insurer, ʻo Humana, ʻaʻole ʻo Medicare, e hoʻoholo i nā mea a lākou e uku ai i nā kauka mālama ola a me nā halemai a me ka nui o kāu e koi ai e uku no kāu mālama.

Me kahi hoʻolālā PFFS, ʻaʻole pono ʻoe e koho i kahi kauka mālama mua. ʻAʻole ʻoe e koi i kahi mea i hoʻouna ʻia e ʻike ai i ka loea.

ʻO ka hapa nui o nā kānana pale makahiki hiki ke loaʻa me ka uku ʻole.

He mea nui loa e hōʻoia i ka loaʻa ʻana o ka ʻaelike hoʻomau o kāu kauka me ka pūnaewele Humana PFFS ma mua o ka loaʻa ʻana o nā lawelawe. Inā ʻaʻole ʻoe e koi i nā lawelawe ulia pōpilikia, ʻaʻole ʻoe e hōʻoia ʻia e mālama ke kauka āu e ʻike ai iā ʻoe a ʻae paha i ka uku mai kāu hoʻolālā.

E loli paha kāu mau kumu kūʻai ma muli o ka hoʻolālā āu e koho ai. E uku paha ʻoe i nā hoʻolilo hoʻokaʻawale kumukūʻai i hoʻoholo ʻia e kāu hoʻolālā, e like me nā copayments a me nā coinsurance. Koi ʻia paha ʻoe e uku i ka bila a kahi mea hāʻawi ma waho o kēia mau uku i hoʻonohonoho ʻia.

ʻVeragehi uhi

Ma ke kānāwai, uhi kēia mau hoʻolālā ma ka liʻiliʻi e like me ka Medicare kumu, no laila hiki iā ʻoe ke hōʻoia e loaʻa ana iā ʻoe nā lawelawe kauka.

Hoʻokomo ʻia ka uhi lāʻau kuhikuhi i ka hapa nui, ʻaʻole naʻe nā mea āpau, nā hoʻolālā PFFS.

Uhi ʻia ka mālama kūpilikiʻi ma waho o ʻAmelika Hui Pū ʻIa.

ʻOiai hiki i nā kauka pūnaewele ʻole ke koho e ʻae i ka uku ma o ka hoʻolālā PFFS e pili ana i ka lawelawe i hāʻawi ʻia a i ʻole kēlā me kēia hihia, ʻaʻole hiki iā ʻoe ke hōʻoia e mālama ke kauka iā ʻoe, ʻoiai inā ua mālama lākou i kekahi mea maʻi i loaʻa ka hoʻolālā PFFS like āu e hana ai.

Humana Medicare Advantage SNPs

Nā kumukūʻai

Kūlana manuahi nā hoʻolālā pono kūikawā (SNPs) a koi ʻole i nā kope, nā uku, a me ka puʻukū kālā.

Loaʻa nā SNP inā loaʻa ʻoe i nā pae kikoʻī kikoʻī, e like me:

• e noho nei i nā ʻano kikoʻī o nā wahi maʻi maʻi, e like me ka home kahu
• ke loaʻa nei kahi maʻi maʻi kīnā i ʻae ʻia e Medicare no kahi SNP
• kūpono no Medicare a me Medicaid

Hāʻawi ʻo Humana i ʻelua mau ʻano SNP i loaʻa ma kahi o 20 mau mokuʻāina. Hoʻokahi ʻano no ka poʻe i kūpono i ka Medicaid a me ka Medicare. ʻO kekahi ʻano ʻē aʻe no ka poʻe i loaʻa kekahi mau ʻano olakino olakino, e like me:

• maʻi maʻi maʻi
• maʻi maʻi maʻi mau
• maʻi maʻi maʻi mau
• diabetes
• hopena pae renal maʻi (ESRD)

ʻVeragehi uhi

Inā kūpono ʻoe i kahi Humana SNP, e loaʻa iā ʻoe nā keu pono āpau o Medicare kumu a me Medicare Part D.

Hoʻokomo ʻia paha nā papahana olakino a olakino no nā kūlana e like me ka maʻi kōkō a no ka mālama pale ʻana. Hiki paha i kāu SNP ke uhi i ka mālama niho maʻamau, ka mālama ʻana i ka ʻike, ka mālama pepeiao ʻana, a me nā lawelawe halihali lāʻau lapaʻau nonemergency. Hoʻokomo pinepine ʻia kahi ʻāpana over-the-counter (OTC) no kahi huina i kau ʻia.

He aha ka pono Medicare?

Hoʻolālā nā Medicare Advantage (ʻĀpana C) i nā hoʻolālā e hāʻawi i ka uhi hou aʻe no ka mea a Medicare i hāʻawi ai. Hoʻololi nā kumukūʻai no kēlā me kēia hoʻolālā ma muli o ka pae o ka uhi āu e koho ai, a me kāu wahi ʻāina.

Pono e uhi ma ke kānāwai nā hoʻolālā Medicare Advantage ma ka liʻiliʻi e like me ka Medicare kumu. ʻO nā lawelawe hou a lākou e hāʻawi pinepine ai, ʻo ia hoʻi ka uhi niho, ka hihiʻo, ka hoʻolohe ʻana, a me nā lāʻau lapaʻau.

ʻAʻole loaʻa nā ʻano hoʻolālā āpau i nā kalana āpau. ʻIke ʻo Medicare i kahi pono hana hoʻolālā e hiki ke kōkua iā ʻoe e loiloi i nā hoʻolālā Medicare i loaʻa i kāu wahi. Pono ʻoe e hoʻokomo i kāu code ZIP.

ʻO ka lawe lawe ʻana

Hāʻawi ʻo Humana i kahi ākea o nā hoʻolālā Medicare Advantage ma ka hapanui o ka ʻāina. Koi ʻia kēia mau hoʻolālā e ke kānāwai e hāʻawi i ka nui o ka uhi e like me Medicare kumu.

Hāʻawi ka hapanui o nā hoʻolālā i nā ʻano ʻoi aʻe o ka uhi ʻana, e like me ka hihiʻo, nā niho, a me nā lāʻau lapaʻau. ʻO ka hoʻolālā hiki iā ʻoe ke koho e lawelawe i kāu code ZIP. Hoʻololi nā kumukūʻai ma ka hoʻolālā.

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.