Mapulani a Cigna Medicare Advantage: Upangiri wa Malo, Mitengo, ndi Mapulani a Mitundu

Zamkati

• Kodi mapulani a Cigna Medicare Advantage ndi ati?
• Cigna Medicare Advantage HMO mapulani
• Cigna Medicare Advantage PPO mapulani
• Mapulani a Cigna Medicare Advantage PFFS
• Akaunti yopulumutsa ya Cigna Medicare (MSA)
• Cigna Medicare Part D (mapiritsi)
• Ndondomeko zina za Cigna Medicare
• Kodi mapulani a Cigna Medicare Advantage amaperekedwa kuti?
• Kodi mapulani a Medicare Advantage amawononga ndalama zingati?
• Kodi Medicare Advantage (Medicare Part C) ndi chiyani?
• Kutenga

• Ndondomeko za Cigna Medicare Advantage zimapezeka m'maiko ambiri.
• Cigna imapereka mitundu ingapo yamapangidwe a Medicare Advantage, monga HMOs, PPOs, SNPs, ndi PFFS.
• Cigna imaperekanso mapulani osiyana a Medicare Part D.

Ku United States, Cigna imapereka inshuwaransi yazaumoyo kwa makasitomala kudzera kwa olemba anzawo ntchito, Health Insurance Marketplace, ndi Medicare.

Kampaniyi imapereka mapulani a Medicare Advantage m'malo ambiri ku United States. Cigna imaperekanso mapulani a Medicare Part D m'ma 50 onse.

Ndondomeko za Cigna's Medicare zitha kupezeka pogwiritsa ntchito njira yopezera njira ya Medicare.

Kodi mapulani a Cigna Medicare Advantage ndi ati?

Cigna imapereka mapulani a Medicare Advantage m'njira zosiyanasiyana. Si mitundu yonse yomwe imapezeka m'maiko onse. Ngati mukukhala m'boma lomwe lili ndi mapulani a Cigna Medicare Advantage, mutha kusankha pamitundu ingapo. Mapulani omwe mungakhale nawo atha kukhala ndi izi.

Cigna Medicare Advantage HMO mapulani

Dongosolo la Health Maintenance Organisation (HMO) limagwira ntchito ndi gulu la omwe amapereka. Muyenera kupita kwa madotolo, zipatala, ndi othandizira ena mkati mwa netiweki kuti akuthandizireni. Komabe, ngati muli ndi vuto ladzidzidzi, dongosololi limalipira ngakhale mutachoka pa netiweki.

Kutengera dongosolo lomwe mungasankhe, muyenera kusankha dokotala woyang'anira chisamaliro (PCP). PCP yanu iyenera kukhala yothandizira pa intaneti ndipo idzakhala munthu amene amakutumizirani kwa akatswiri pazantchito zina zilizonse zomwe mungafune.

Cigna Medicare Advantage PPO mapulani

Dongosolo Loperekera Wopereka Dongosolo (PPO) lili ndi netiweki ya othandizira monga HMO. Komabe, mosiyana ndi HMO, mudzaphimbidwa mukawona madotolo ndi akatswiri kunja kwa netiweki. Dongosololi likulipirabe, koma mudzalipira ndalama zowonjezera kapena zolipiritsa kuposa momwe mungaperekere ndi omwe amakupatsani ma netiweki.

Mwachitsanzo, kuchezera kwa wothandizira pa intaneti kumatha kukuwonongerani $ 40, pomwe kuchezera wopita kunja kwa netiweki kumatha kutenga $ 80.

Mapulani a Cigna Medicare Advantage PFFS

Malipiro a Private Fee-For-Service (PFFS) amasintha. Mosiyana ndi HMO kapena PPO, mapulani a PFFS alibe netiweki. Mutha kuwona dokotala aliyense wovomerezeka ndi Medicare pogwiritsa ntchito dongosolo la PFFS. Simusowa kukhala ndi PCP kapena kutumizidwa, mwina. M'malo mwake, mudzalipira ndalama zoikika pantchito iliyonse yomwe mungalandire.

Komabe, opereka chithandizo atha kusankha ngati angavomereze kapena ayi ngati angavomereze dongosolo lanu la PFFS pamlanduwu. Izi zikutanthauza kuti simungathe kudalira ntchito yomwe imaphimbidwa nthawi zonse, ngakhale mutakhala ndi dokotala yemweyo. Zolinga za PFFS zimapezekanso m'malo ochepa kuposa ma HMO kapena ma PPO.

Akaunti yopulumutsa ya Cigna Medicare (MSA)

Mwina simukudziwa bwino za mapulani a Medicare (MSA) monga mitundu ina yamalingaliro azaumoyo. Ndi MSA, dongosolo lanu lazaumoyo limaphatikizidwa ndi akaunti yakubanki. Cigna azisungitsa ndalama zomwe zakonzedweratu ku akaunti yakubanki, ndipo ndalamazo zigwiritsidwa ntchito kulipira ndalama zanu zonse za Medicare Part A ndi Part B. Madongosolo a MSA nthawi zambiri samaphatikizapo kufotokozera zamankhwala.

Cigna Medicare Part D (mapiritsi)

Medicare Part D ndikulemba mankhwala. Ndondomeko ya Gawo D ikuthandizani kulipirira zomwe mwalandira. Mulipira kandalama kochepa pamalingaliro ambiri a Gawo D, ndipo nthawi zambiri pamakhala kuchotsera ndalama zisanachitike.

Mungafunike kugwiritsa ntchito mankhwala osokoneza bongo omwe ali mu netiweki kuti mupeze zolemba zanu. Mtengo wamtengo wapatali wamankhwala omwe mumapeza umadalira kuti mankhwalawa ndi generic, dzina lodziwika bwino, kapena luso.

Ndondomeko zina za Cigna Medicare

Kutengera komwe mukukhala komanso momwe zinthu ziliri, mutha kugula Cigna Special Needs Plan (SNP). SNPs yapangidwa kwa makasitomala omwe ali ndi zosowa zina. Zosowazi zitha kukhala zamankhwala kapena zandalama. Zitsanzo za nthawi yomwe SNP ikhoza kukhala chisankho chabwino ndi monga:

• Muli ndi ndalama zochepa ndipo mumayenerera Medicaid. Mulipira ndalama zochepa kwambiri ngati mungayenerere kupeza Medicaid ndi Medicare kuphatikiza SNP.
• Muli ndi vuto lomwe limafunikira chisamaliro chanthawi zonse, monga matenda ashuga. SNP yanu imatha kukuthandizani kuthana ndi vuto lanu ndikulipira zina mwazomwe mukusamalira.
• Mumakhala kumalo osungirako okalamba. Mutha kupeza SNPs kuti muthandizire kusamalira ndalama zokhala m'malo osamalira anthu nthawi yayitali.

Cigna imaperekanso mabungwe angapo azaumoyo omwe ali ndi mapulani a Point-of-Service (HMO-POS). Mudzakhala osinthasintha pang'ono ndi HMO-POS kuposa pulani ya HMO yachikhalidwe. Mapulaniwa amakupatsani mwayi wogwiritsa ntchito netiweki. Komabe, kutuluka pa netiweki kumadza ndi mtengo wokwera.

Kodi mapulani a Cigna Medicare Advantage amaperekedwa kuti?

Pakadali pano, Cigna ikupereka mapulani a Medicare Advantage mu:

• Alabama
• Arkansas
• Arizona
• Colorado
• Zowonjezera
• Florida
• Georgia
• Illinois
• Kansas
• Maryland, PA
• Mississippi
• Missouri
• New Jersey
• New Mexico
• North Carolina
• Ohio
• Oklahoma
• Pennsylvania
• South Carolina
• Tennessee, PA
• Texas
• Utah
• Virginia
• Washington, D.C.

Mapulani a Medicare Advantage amasiyana malinga ndi dera, chifukwa chake lembani ZIP code yanu posaka mapulani komwe mumakhala.

Kodi mapulani a Medicare Advantage amawononga ndalama zingati?

Mtengo wa dongosolo lanu la Cigna Medicare Advantage uzidalira komwe mukukhala komanso mtundu wa pulani yomwe mungasankhe. Kumbukirani kuti Advantage plan premium iliyonse itha kulipilidwa kuphatikiza pamtengo woyambira wa Medicare Part B.

Mitundu ina ya mapulani a Cigna ndi mitengo yochokera mdziko lonselo imapezeka patebulo pansipa:

Kodi Medicare Advantage (Medicare Part C) ndi chiyani?

Medicare Advantage (Gawo C) ndi njira yazaumoyo yoperekedwa ndi kampani yabizinesi, monga Cigna, yomwe imagwirizana ndi Medicare kuti ifotokozere.

Madongosolo a Medicare Advantage amatenga gawo la Medicare Part A (inshuwaransi ya chipatala) ndi Medicare Part B (inshuwaransi ya zamankhwala). Pamodzi, mbali za Medicare A ndi B zimatchedwa "Medicare yoyambirira." Dongosolo la Medicare Advantage limalipira ntchito zonse zoyendetsedwa ndi Medicare yoyambirira.

Mapulani ambiri a Medicare Advantage amaphatikizira zowonjezera, monga:

• mayeso a masomphenya
• mayeso akumva
• chisamaliro cha mano
• Kukhala ndi thanzi labwino komanso kukhala olimba

Madongosolo ambiri a Medicare Advantage amaphatikizansopo kufotokozera zamankhwala. Mutha kugula magawo osiyana a D (mankhwala akuchipatala) ngati dongosolo lanu la Medicare Advantage silikupatsirani izi.

Zolinga za Medicare Advantage zomwe mungapeze zidzadalira dziko lanu. Mutha kugwiritsa ntchito wopeza mapulani patsamba la Medicare kuti muwone zomwe zikupezeka m'dera lanu.

Kutenga

Cigna ndi amodzi mwamakampani omwe amachita mgwirizano ndi Medicare kuti apereke magawo a Part C. Cigna imapereka mapulani a Medicare Advantage pamitengo yosiyanasiyana. Sizinthu zonse zomwe zikupezeka m'maiko onse.

Mutha kusankha pulani yomwe ikugwirizana ndi zosowa zanu komanso bajeti yanu pogwiritsa ntchito wopezera masamba a Medicare. Cigna imasankhanso anthu omwe akufuna kugula mapulani a Gawo D.

Nkhaniyi idasinthidwa pa Novembala 13, 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.