Mapulani a Blue Cross Medicare Advantage mu 2021

Zamkati

• Kodi mapulani a Blue Cross Medicare Advantage ndi ati?
• Blue Cross Medicare Advantage HMO mapulani
• Blue Cross Medicare Advantage PPO mapulani
• Mapulani a mankhwala a Blue Cross Medicare
• Mapulani a Blue Cross Medicare Advantage PFFS
• Blue Cross Medicare SNPs
• Kodi mapulani a Blue Cross Medicare Advantage ndi ndalama zingati?
• Kodi Medicare Advantage (Medicare Part C) ndi chiyani?
• Kutenga

• Blue Cross imapereka mapulani ndi mitundu yosiyanasiyana ya Medicare Advantage m'malo ambiri ku United States.
• Zolinga zambiri zimaphatikizapo kufotokozera zamankhwala, kapena mutha kugula dongosolo lina la Gawo D.
• Ambiri mwa mapulani a Blue Cross Medicare Advantage amapereka $ 0 pamwezi pamwezi pamodzi ndi mankhwala omwe amaperekedwa ndi mankhwala.

Medicare Advantage ndi njira ina yopita ku Medicare yoyambirira komwe kampani ya inshuwaransi yazaokha imakupatsirani ma Medicare anu, kuphatikiza zabwino zina zoyambirira Medicare sizimapereka mwachizolowezi. Zitsanzo zimaphatikizapo masomphenya, mano, ndi ntchito zodzitetezera. Blue Cross Blue Shield ndi imodzi mwamakampaniwa.

Nkhaniyi ikuwonetsani mapulani a Blue Cross Medicare Advantage ku United States.

Kodi mapulani a Blue Cross Medicare Advantage ndi ati?

Blue Cross imapereka mapulani osiyanasiyana a Medicare Advantage. Kupezeka kwawo kumasiyana malinga ndi zigawo.

Tiyeni tiwunikenso mitundu yosiyanasiyana ya mapulani a tMedicare Advantage Blue Cross ikupereka.

Blue Cross Medicare Advantage HMO mapulani

Blue Cross imapereka mapulani a Health Maintenance Organisation (HMO) m'maiko angapo, kuphatikiza Arizona, California, Florida, Massachusetts, ndi ena ambiri. Mu mtundu wamadongosolowu, mutha kukhala ndi othandizira pa intaneti (PCP).

Ngati mungafune chisamaliro chapadera, mukadayamba kuwona PCP yanu, ndiye kuti angakupatseni mwayi wopita kukakumana ndi katswiri. Ndondomeko yanu ya inshuwaransi iyenera kuvomereza kutumizidwa kwamankhwala apaderadera.

Chosiyana ndi Blue Cross ndikuti amayi ambiri sangafunikire kutumizidwa kuti akawone pa-network OB / GYN yothandizira azimayi azisamaliro, monga Pap smear.

Blue Cross Medicare Advantage PPO mapulani

Blue Cross imapereka mapulani a Preferred Provider Organisation (PPO) m'maiko omwe akuphatikizapo Alabama, Florida, Hawaii, ndi Montana (kungotchulapo ochepa). Monga mwalamulo, PPO imakhala ndi chiwongola dzanja chapamwamba pang'ono kuposa HMO. Izi ndichifukwa choti simusowa kuti mukatumizidwe kuti mukawone katswiri mukakhala ndi PPO.

Komabe, mutha kusunga ndalama posankha omwe akupereka ma network kuchokera pagulu lazopezera kampani ya inshuwaransi. Mutha kulipira zochulukirapo ngati mungasankhe wopezeka pa intaneti.

Mapulani a mankhwala a Blue Cross Medicare

Madongosolo a Medicare Part D amatenga mankhwala omwe mumalandira. Malingaliro ena a Medicare Advantage kudzera ku Blue Cross amapereka chithandizo chamankhwala. Komabe, ngati dongosololi silikuthandizani, mutha kusankha njira yodziyimira payokha yothandizidwa.

Blue Cross imapereka mapulani "oyambira" komanso "opititsidwa patsogolo" mgulu lazamankhwala komanso Standard, Plus, Enhanced, Preferred, Premium, Select, ndi njira zina zamankhwala zomwe mungasankhe. Iliyonse idzakhala ndi formulary, kapena mndandanda wazakumwa zomwe dongosololi limakhudza komanso mtengo wake. Mutha kuwunika mindandanda iyi kapena mapulatifomu kuti mutsimikizire kuti malingaliro omwe mungaganizire akuphatikizapo mankhwala omwe mumamwa.

Mapulani a Blue Cross Medicare Advantage PFFS

Ndondomeko Yapadera Yoyang'anira Ntchito (PFFS) ndi njira ya Medicare Advantage yomwe Blue Cross imapereka ku Arkansas kokha. Mtundu wamakonzedwewa safuna kuti mugwiritse ntchito PCP inayake, opereka ma netiweki, kapena kulandira otumizidwa. M'malo mwake, dongosololi limakhazikitsa momwe zingabwezeretsere dokotala ndipo inu muli ndi udindo wolipira zotsala za zomwe wobwezererayo wabweza.

Nthawi zina, opereka chithandizo adzagwira ntchito ndi dongosolo la PFFS kuti apereke ntchito. Mosiyana ndi mapulani ena a Medicare, wothandizira mapulani a PFFS sayenera kukuthandizani chifukwa amalandira Medicare. Atha kusankha ngati angapereke chithandizo pamlingo wobwezera wa Medicare kapena ayi.

Blue Cross Medicare SNPs

A Special Needs Plan (SNP) ndi dongosolo la Medicare Advantage lomwe limaperekedwa kwa iwo omwe ali ndi vuto linalake. Momwemo, dongosololi limapereka zofunikira kwambiri zomwe munthu angafunike. Medicare imafuna kuti ma SNP onse azipereka chithandizo chamankhwala.

Zitsanzo za Blue Cross SNPs ndizo:

• Kodi mapulani a Blue Cross Medicare Advantage ndi ndalama zingati?

  Msika wa Medicare Advantage ndiwopikisana kwambiri. Ngati mumakhala m'tawuni yayikulu, pakhoza kukhala mapulani ambiri oti musankhe.

  Izi ndi zitsanzo za mapulani a Blue Cross Medicare Advantage m'malo osiyanasiyana ndi zolipirira pamwezi ndi zina. Mapulaniwa samaphatikizapo mtengo wamaphunziro anu apamwezi a Part B pamwezi.

  Mzinda / mapulani	Mulingo wa nyenyezi	Mwezi uliwonse	Health deductible, mankhwala kuchotsedwa	Ma intaneti omwe ali kunja kwa mthumba	PCP copay paulendo uliwonse	Katswiri wa copay paulendo uliwonse
  Los Angeles, CA: Anthem MediBlue StartSmart Plus (HMO)	3.5	$0	$0, $0	$3,000	$5	$0–$20
  Phoenix, AZ: Ndondomeko 1 ya BluePathway (HMO)	Sakupezeka	$0	$0, $0	$2,900	$0	$20
  Cleveland, OH: Anthem MediBlue Access Core (Chigawo PPO)	3.5	$0 (siziphatikizapo kufalitsa mankhwala)	$ 0, osaphatikizidwe	$4,900	$0	$30
  Houston, TX: Blue Cross Medicare Advantage Basic (HMO)	3	$0	$0, $0	$3,400	$0	$30
  Trenton, NJ: Horizon Medicare Blue Advantage (HMO)	4	$31	$0, $250	$6,700	$10	$25

  Izi ndi zitsanzo zochepa chabe za mapulani a Blue Cross Advantage omwe adapezeka patsamba la Medicare.gov. Pakhoza kukhala zosankha zambiri m'dera la ZIP code.

  Kodi Medicare Advantage (Medicare Part C) ndi chiyani?

  Kukhala ndi Medicare Advantage (Gawo C) kumatanthauza kuti kampani ya inshuwaransi yomwe imakupatsani dongosolo lanu ikupatsirani Medicare Part A (kuchipatala), Medicare Part B (chithandizo chamankhwala). Zina mwazinthu zimaperekanso chithandizo chamankhwala. Mapulani a Medicare Advantage amasiyana pamitengo yawo yakuthumba ndi kufalitsa, kuphatikiza ndalama zolipirira ndalama ndi ndalama.

  Malire olembetsa kapena kusintha mapulani anu a Medicare Advantage

  Otsatirawa ndi masiku ofunikira kulembetsa kapena kusintha mapulani anu a Medicare Advantage:

  • Nthawi yoyamba kulembetsa. Miyezi itatu yoyambirira musanabadwe zaka 65, mwezi wanu wobadwa, ndi miyezi itatu mutakwanitsa zaka 65.
  • Tsegulani nthawi yolembetsa. Ogasiti 15 mpaka Disembala 7 ndi nthawi yolembetsa ku Medicare Advantage. Mapulani atsopano ayamba kugwira ntchito pa 1 Januware.
  • Kulembetsa kwa Medicare Zopindulitsa. Munthawi imeneyi, munthu amatha kusintha njira ina ya Medicare Advantage ngati ali kale ndi Medicare Advantage.
  • Nthawi yolembetsa ya Medicare Advantage. Nthawi yomwe mungasinthe mapulani anu a Ubwino chifukwa cha zochitika zapadera monga kusuntha kapena pulani yomwe yaponyedwa mdera lanu.

  Kutenga

  Blue Cross ndi amodzi mwamakampani angapo a inshuwaransi omwe amapereka mapulani a Medicare Advantage. Mutha kupeza mapulani pofufuza pamsika wa Medicare.gov kapena kudzera pa tsamba la Blue Cross. Kumbukirani masiku ofunikira posankha nthawi yolembetsa dongosolo la Medicare Advantage.

  Nkhaniyi idasinthidwa pa Novembala 19, 2020, kuti iwonetse zambiri za 2021 Medicare.

  

  Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.