Kodi Mapulani a Medicare Advantage Kodi Humana Amapereka mu 2021?

Zamkati

• Humana Medicare Advantage HMO mapulani
• Mtengo
• Kuphunzira
• Humana Medicare Advantage PPO mapulani
• Mtengo
• Kuphunzira
• Humana Medicare Advantage PFFS mapulani
• Mtengo
• Kuphunzira
• Humana Medicare Advantage SNPs
• Mtengo
• Kuphunzira
• Kodi Medicare Advantage ndi chiyani?
• Kutenga

• Humana ndi kampani yabizinesi ya inshuwaransi yomwe imapereka mapulani a Medicare Advantage (Gawo C).
• Humana amapereka njira za HMO, PPO, PFFS, ndi SNP.
• Sizinthu zonse za Humana Medicare Advantage zomwe zitha kupezeka mdera lanu.

Ngati mwasankha kale kupita ndi dongosolo la Medicare Advantage (Medicare Part C), muli ndi zosankha zina zoti mupange. Chimodzi mwazinthu izi ndi omwe amakupatsirani inshuwaransi.

Humana ndi kampani ya inshuwaransi yazaumoyo yopanga phindu ku Kentucky ndipo akuvomerezedwa ndi Medicare kuti agulitse mapulani a Part C. Tidzakambirana za mapulani omwe Humana amapereka, mtengo wake, zomwe amapereka, ndi zina zambiri.

Humana Medicare Advantage HMO mapulani

Mtengo

Mapulani a Health Maintenance Organisation (HMO) ndiosangalatsa kwa anthu ambiri chifukwa chotheka kutero. Mu ma zip code ambiri, pali mapulani a $ 0 pamwezi pamwezi.

Makopi otsika mtengo adzafunika mukawona opereka, monga akatswiri. Ndalama izi zimasiyanasiyana, kutengera komwe kuli, koma zimayambira pafupifupi $ 0 mpaka $ 50 m'malo ambiri. Nthaŵi zambiri, dokotala wanu wamkulu samasowa copay.

Kuchokera kwa mapulani a Humana HMO pachaka kumasiyana $ 0 mpaka $ 800, kutengera komwe muli komanso dongosolo lomwe mungasankhe.

Pakhoza kukhalanso ndi kuchotsera kwapachaka kwa mankhwala opatsirana. Izi zimasiyana $ 0 mpaka $ 445, kutengera komwe muli komanso dongosolo lomwe mungasankhe.

Ndalama zanu zapachaka zotulutsira m'thumba zimasiyananso kutengera dongosolo lomwe mungasankhe, koma kuchuluka kwa dongosolo lililonse la Medicare Advantage ndi $ 7,550 mu 2021.

Kuphunzira

Pofunidwa ndi lamulo, mapulaniwa amafotokoza pafupifupi Medicare yoyambirira, kotero mutha kukhala otsimikiza kuti mudzalandira chithandizo chamankhwala, chithandizo chamankhwala, komanso chisamaliro chodzitetezera, kuphatikiza kusankhidwa kwa katemera wapachaka ndi katemera.

Monga momwe zilili ndi HMO iliyonse, mukuyenera kusankha madotolo anu, kuphatikiza dokotala wanu woyang'anira (PCP), kuchokera pagulu la omwe amakupatsani. Humana amapereka pulani ya Point-of-Service (HMO-POS) yomwe imakupatsani mwayi wosankha omwe angakupatseni ma netiweki nthawi zina.

Mufunika otumizidwa kuchokera ku PCP yanu kuti muwone akatswiri ndi othandizira ena.

Ma HMO a Humana amalipira chithandizo chadzidzidzi kunja kwa United States.

Ena mwa ma HMO a Humana amaphatikizansopo mankhwala omwe amaperekedwa ndi omwe ali ofanana kapena abwinoko kuposa mapulani a Medicare Part D.

Zambiri mwazinthuzi zimaphatikizapo kukhala membala waulere m'malo ambiri azolimbitsa thupi komanso malo azachipatala. Sizinthu zonse zolimbitsa thupi zomwe zikuphatikizidwa pamndandandawu.

Humana Medicare Advantage PPO mapulani

Mtengo

Mapulani a Preferred Provider Organisation (PPO) amakupatsani ufulu wosankha dokotala aliyense wovomerezedwa ndi Medicare yemwe mukufuna kumuwona. Komabe, omwe amapereka kunja kwa mapulani amawononga ndalama zambiri nthawi zambiri.

Malipiro anu apamwezi ndi ma copay amatha kukhala apamwamba kuposa ma HMO m'ma zip code ena koma ndiotsika mtengo. Makopedwe a akatswiri kuyambira $ 20 mpaka $ 40 nthawi zambiri.

Makina ojambulira apachaka ambiri amatha kupezeka kwaulere.

Apanso, ndalama zanu zapachaka zotulutsira mthumba zimasiyananso kutengera dongosolo lomwe mungasankhe koma silingadutse $ 7,550.

Kuphunzira

Monga momwe lamulo likufunira, mapulaniwa amafotokoza pafupifupi Medicare yoyambirira, chifukwa chake mutha kukhala otsimikiza kuti mukalandila kuchipatala komanso kuchipatala.

Mudzachita ayi Ndikufuna kutumizidwa kuti mukawone katswiri.

Mapulaniwa amapereka chithandizo chamankhwala chanyumba. Amaperekanso zowonjezera zowonjezera, monga masomphenya, mano, kuphimba mankhwala osokoneza bongo, ndi mapulogalamu olimbitsa thupi.

Chisamaliro chadzidzidzi kunja kwa United States ndi phindu linanso.

Humana Medicare Advantage PFFS mapulani

Mtengo

Malipiro achinsinsi pantchito (PFFS) sapezeka kulikonse.

Ndi pulani ya PFFS, mutha kuwona dokotala aliyense wovomerezeka ndi Medicare, bola ngati avomera ntchito ya Humana's PFFS ndi momwe angalipirire.

Mapulani a Humana PFFS amasiyana ndi Medicare yoyambirira komanso mapulani ena owonjezera. Monga inshuwaransi, Humana, osati Medicare, ndiye azisankha zomwe amalipira omwe amapereka chithandizo chamankhwala kuchipatala komanso kuchuluka kwa ndalama zomwe mumayenera kulipirira chisamaliro chanu.

Ndi dongosolo la PFFS, simuyenera kusankha dokotala woyang'anira chisamaliro choyambirira. Simufunikanso kutumiza kuti mukaone katswiri.

Makina ojambulira apachaka ambiri amatha kupezeka kwaulere.

Ndikofunika kutsimikizira kuti dokotala wanu ali ndi mgwirizano wopitilira ndi netiweki ya Humana PFFS asanalandire chithandizo. Pokhapokha mutafunikira chithandizo chadzidzidzi, simudzatsimikiziridwa kuti dotolo amene mukumuwona adzakuchitirani kapena angalandire zolipirira mudongosolo lanu.

Ndalama zanu zimatha kusiyanasiyana kutengera dongosolo lomwe mungasankhe. Mutha kulipira ndalama zogawana nawo zotsimikizika monga mudapangira, monga ndalama zolipirira ndalama komanso chitsimikizo cha ndalama. Mwinanso mungafunike kulipira ngongole ya wothandizira kuwonjezera pa zolipiritsa izi.

Kuphunzira

Mwalamulo, malingalirowa amakhudza pafupifupi Medicare yoyambirira, kotero mutha kukhala otsimikiza kuti mudzalandira chithandizo chamankhwala kuchipatala komanso kuchipatala.

Kuphimba mankhwala osokoneza bongo kumaphatikizidwa m'mapulani ambiri, koma osati onse, a PFFS.

Chisamaliro chadzidzidzi kunja kwa United States chimaphimbidwa.

Popeza kuti madotolo omwe si a netiweki amatha kusankha kulandira malipiro kudzera mu dongosolo la PFFS kutengera ntchito yomwe wapatsidwa kapena pazochitika zina ndi zina, simungatsimikize kuti dokotala akuchiritsani, ngakhale atachiritsira wodwala wina yemwe ali ndi Mapulani omwewo a PFFS omwe mumachita.

Humana Medicare Advantage SNPs

Mtengo

Mapulani a Zosowa Zapadera (SNPs) nthawi zambiri amakhala aulere ndipo samafuna kukopera, kulipiritsa ndalama, kapena kutsimikizika.

Ma SNP amapezeka pokhapokha mukakwaniritsa zofunikira, monga:

• kukhala munthawi zosiyanasiyana za odwala, monga nyumba yosungira okalamba
• kukhala ndi vuto lopundula lomwe limavomerezedwa ndi Medicare ku SNP
• Kuyenerera kwa Medicare ndi Medicaid

Humana amapereka mitundu iwiri ya SNP yomwe imapezeka m'ma 20. Mtundu umodzi ndi wa anthu omwe amayenerera Medicaid ndi Medicare. Mtundu winawo ndi wa iwo omwe ali ndi matenda ena, monga:

• matenda amtima
• matenda a mtima osatha
• matenda a m'mapapo
• matenda ashuga
• Matenda a impso otsiriza (ESRD)

Kuphunzira

Ngati mukuyenera kulandira Humana SNP, mupeza zabwino zonse za Medicare zoyambirira kuphatikiza Medicare Part D.

Mapulogalamu azaumoyo ndi thanzi atha kuphatikizidwanso pazinthu monga matenda ashuga komanso chisamaliro chodzitchinjiriza. SNP yanu itha kuphatikiziranso chisamaliro chamano chamankhwala, chisamaliro cha masomphenya, chisamaliro chakumva, ndi ntchito zoyendetsa zamankhwala zosafunikira. Ndalama zolipira pa-counter (OTC) nthawi zambiri zimaphatikizidwa pamtengo wokhazikika.

Kodi Medicare Advantage ndi chiyani?

Madongosolo a Medicare Advantage (Gawo C) ndi mapulani omwe amapereka zowonjezera zowonjezera pazomwe Medicare yoyambirira imapereka. Mtengo wa pulani iliyonse umasiyanasiyana kutengera mulingo wofikira womwe mungasankhe, komanso malo omwe muli.

Mapulani a Medicare Advantage akuyenera kuphimba movomerezeka pafupifupi Medicare yoyambirira. Ntchito zina zomwe amapereka zimaphatikizapo kuphimba mano, kuwona, kumva, komanso mankhwala akuchipatala.

Si mitundu yonse yamapulani yomwe ilipo m'chigawo chilichonse. Medicare ipeza chida chothandizira ingakuthandizeni kuwunikanso mapulani a Medicare omwe amapezeka mdera lanu. Muyenera kulowa nambala yanu ya ZIP.

Kutenga

Humana amapereka mapulani osiyanasiyana a Medicare Advantage m'dziko lonselo. Mapulaniwa amafunika mwalamulo kuti azitha kufalitsa pafupifupi Medicare yoyambirira.

Mapulani ambiri amapereka mitundu yambiri yophimba, monga masomphenya, mano, ndi mankhwala akuchipatala. Ndondomeko yomwe mungasankhe iyenera kutumizira nambala yanu ya ZIP. Mtengo umasiyanasiyana malinga ndi dongosolo.

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.