Izicwangciso zeCigna Medicare eziluncedo: Isikhokelo kwiindawo, amaxabiso, kunye neeNdidi zoCwangciso

Umxholo

• Zithini izicwangciso zeCigna Medicare eziluncedo?
• Cigna Medicare Inzuzo ye-HMO izicwangciso
• Izicwangciso ze-Cigna Medicare eziluncedo ze-PPO
• Izicwangciso zeCigna Medicare Advantage PFFS
• Iakhawunti yokugcina iCigna Medicare (MSA)
• I-Cigna Medicare Icandelo D (izicwangciso zonyango)
• Ezinye izicwangciso zeCigna Medicare
• Ziphi iiplani zeCigna Medicare eziluncedo?
• Zingakanani izicwangciso ze-Medicare Advantage?
• Yintoni i-Medicare Advantage (Medicare Part C)?
• Ukuthatha

• Izicwangciso zeCigna Medicare eziluncedo ziyafumaneka kwiindawo ezininzi.
• I-Cigna ibonelela ngeendlela ezininzi ze-Medicare Advantage plans, ezinje nge-HMOs, ii-PPOs, ii-SNPs, kunye nee-PFFS.
• I-Cigna ikwabonelela ngeendlela ezahlukeneyo ze-Medicare Icandelo D.

E-United States, i-Cigna ibonelela nge-inshurensi yezempilo kubathengi ngokusebenzisa abaqeshi, indawo yeNtengiso ye-Inshurensi yezeMpilo, kunye neMedicare.

Inkampani ibonelela ngezicwangciso zeMedicare Advantage kwiindawo ezininzi eMelika. I-Cigna ikwabonelela ngezicwangciso ze-Medicare Icandelo D kuwo onke ama-50.

Izicwangciso zeCigna's Medicare zingafunyanwa kusetyenziswa isixhobo sokufumana isicwangciso seMedicare.

Zithini izicwangciso zeCigna Medicare eziluncedo?

I-Cigna ibonelela ngezicwangciso ze-Medicare Advantage kwiifomathi ezahlukeneyo. Ayizizo zonke iifomathi ezikhoyo kuwo onke amazwe. Ukuba uhlala kwilizwe elinezicwangciso zeCigna Medicare Advantage, unokukhetha kwiifomathi ezahlukeneyo. Izicwangciso onokuzifumana zinokubandakanya ezi ndlela zilandelayo.

Cigna Medicare Inzuzo ye-HMO izicwangciso

Isicwangciso soMbutho weSondlo sezeMpilo (HMO) sisebenza kunye nenethiwekhi ebekiweyo yababoneleli. Uya kudinga ukuya koogqirha, izibhedlele, kunye nabanye ababoneleli ngaphakathi kwenethiwekhi yesicwangciso ukuze iinkonzo zakho zigutyungelwe. Nangona kunjalo, ukuba unexesha likaxakeka, isicwangciso siya kuhlawula nokuba uyaphuma kwinethiwekhi.

Kuxhomekeke kwisicwangciso osikhethileyo, kuya kufuneka ukhethe ugqirha wokhathalelo oluphambili (PCP). I-PCP yakho kufuneka ibe ngumboneleli othungelanayo kwaye iya kuba ngumntu okuthumela kwiingcali nakwezinye iinkonzo onokuzifuna.

Izicwangciso ze-Cigna Medicare eziluncedo ze-PPO

Isicwangciso soMbutho woMboneleli okhethiweyo (PPO) sinenethiwekhi yababoneleli njenge-HMO. Nangona kunjalo, ngokungafaniyo ne-HMO, uya kugutyungelwa xa ubona oogqirha kunye neengcali ngaphandle kwenethiwekhi yesicwangciso. Isicwangciso sisaza kuhlawula, kodwa uya kuhlawula imali ephezulu okanye isixa semali oyikopa kunokuba ubuya kwenza kumboneleli wenethiwekhi.

Njengomzekelo, ukutyelela kwi-inethiwekhi yenethiwekhi kungakubiza i-40 yeedola, ngelixa utyelelo kumnikezeli wangaphandle kwenethiwekhi kunokubiza i- $ 80.

Izicwangciso zeCigna Medicare Advantage PFFS

Izicwangciso zaBucala-zeeNkonzo-ze-PFFS ziyaguquguquka. Ngokungafaniyo ne-HMO okanye i-PPO, iiplani ze-PFFS azinayo inethiwekhi. Uyabona nawuphi na ugqirha ovunyiweyo weMedicare usebenzisa isicwangciso se-PFFS. Awudingi ukuba nePCP okanye ufumane ukuhanjiswa, nokuba. Endaweni yoko, uya kuhlawula imali ebekiweyo kwinkonzo nganye oyifumanayo.

Nangona kunjalo, ababoneleli banokuthatha isigqibo sokuba bayasamkela okanye bangasamkeli isicwangciso sakho se-PFFS kwimeko nganye. Oku kuthetha ukuba awunakho ukuthembela kwinkonzo ehlala igqunyiwe, nokuba unamathela kugqirha ofanayo. Izicwangciso ze-PFFS zikwakhona kwiindawo ezimbalwa kunee-HMOs okanye ii-PPOs.

Iakhawunti yokugcina iCigna Medicare (MSA)

Usenokungaqhelani neakhawunti yokugcina i-Medicare (MSA) njengezinye iintlobo zezicwangciso zokhathalelo lwempilo. Nge-MSA, isicwangciso sakho sezempilo sidityaniswa neakhawunti yebhanki. I-Cigna iya kufaka isixa semali esisetiweyo kwiakhawunti yebhanki, kwaye loo mali iya kusetyenziselwa ukuhlawula zonke iindleko zakho ze-Medicare Part A kunye neCandelo B. Izicwangciso ze-MSA ngokubanzi azibandakanyi ukugubungela ugqirha.

I-Cigna Medicare Icandelo D (izicwangciso zonyango)

Icandelo lonyango i-Medicare Icandelo D kukugubungela amayeza. Icandelo D liceba ukukunceda ubhatalele imigqaliselo yakho. Uya kuhlawula ipremiyamu encinci kwizicwangciso ezininzi zeCandelo D, kwaye kuhlala kukho ukutsalwa ngaphambi kokugubungela.

Kuya kufuneka usebenzise ikhemesti ekwi-in-network ukufumana imigqaliselo yakho igqunyiwe. Kangakanani amaxabiso amiselweyo akho agutyungelweyo aya kuxhomekeka ekubeni ichiza lenziwe generic, igama lophawu, okanye okhethekileyo.

Ezinye izicwangciso zeCigna Medicare

Ngokuxhomekeka apho uhlala khona kunye neemeko zakho, unokukwazi ukuthenga iSicwangciso seZidingo eziKhethekileyo zeCigna (SNP). I-SNPs ziyilelwe abathengi abaneemfuno ezithile. Ezi mfuno zinokuba zezonyango okanye zezemali. Imizekelo yamaxesha i-SNP inokuba lukhetho olufanelekileyo kubandakanya:

• Unomvuzo olinganiselweyo kwaye ufanelekele iMedicaid. Uya kuhlawula iindleko eziphantsi kakhulu ukuba ufanelekile kwi-SNP yeMedicaid kunye neMedare.
• Unemeko efuna ukunakekelwa rhoqo, njengesifo seswekile. I-SNP yakho inokukunceda ulawule imeko yakho kwaye uhlawule ezinye zeendleko zakho zokhathalelo.
• Uhlala kwiziko lokonga. Unokufumana ii-SNP zokunceda ukulawula iindleko zokuhlala kwindawo yokunyamekela yexesha elide.

I-Cigna ikwabonelela ngemibutho embalwa yoLondolozo lwezeMpilo ngezicwangciso zePoint-of-Service (HMO-POS). Uya kuba nokuguquguquka okuthe kratya kunye ne-HMO-POS kunesicwangciso sendabuko se-HMO. Ezi zicwangciso zikuvumela ukuba uphume kwinethiwekhi yeenkonzo ezithile. Nangona kunjalo, ukuphuma kwenethiwekhi kuza neendleko eziphezulu.

Ziphi iiplani zeCigna Medicare eziluncedo?

Okwangoku, i-Cigna ibonelela ngezicwangciso ze-Medicare Advantage kwi:

• IAlabama
• IArkansas
• IArizona
• IColorado
• Delaware
• IFlorida
• Jojiya
• I-Illinois
• EKansas
• EMaryland
• Nguyen
• EMissouri
• Enew Jersey
• ENew Mexico
• North Carolina
• IOhio
• Oklahoma
• IPennsylvania
• EMzantsi Carolina
• ETennessee
• ETexas
• Utah
• IVirginia
• IWashington, D.C.

Isibonelelo seMedicare sokunikezelwa kwesicwangciso siyahluka ngokommandla, ke ngenisa ikhowudi yakho ye-ZIP xa ufuna izicwangciso apho uhlala khona.

Zingakanani izicwangciso ze-Medicare Advantage?

Iindleko zesicwangciso sakho seCigna Medicare Advantage ziya kuxhomekeka apho uhlala khona kunye nohlobo lwesicwangciso osikhethayo. Gcina ukhumbula ukuba nayiphi na ipremiyamu yesicwangciso seNzuzo iya kuhlawuliswa ukongeza kwi-premium ye-Medicare Part B premium.

Ezinye iintlobo zesicwangciso seCigna kunye namaxabiso avela kwilizwe liphela anokufumaneka kwitheyibhile engezantsi:

Yintoni i-Medicare Advantage (Medicare Part C)?

Uncedo lweMedicare (Icandelo C) sisicwangciso sokhathalelo lwempilo olunikezelwa yinkampani yabucala, njengeCigna, enesivumelwano neMedicare ukubonelela ngogqatso.

Izicwangciso ze-Medicare Advantage zithatha indawo ye-Medicare Part A (i-inshurensi yesibhedlele) kunye ne-Medicare Icandelo B (i-inshurensi yezonyango). Ngokudibeneyo, iinxalenye zeMedicare A kunye no-B kubhekiswa kuzo njenge “original Medicare.” Isicwangciso soNcedo lweMedicare sihlawulela zonke iinkonzo ezihlawulwa yiMedicare yoqobo.

Uninzi lwezicwangciso ze-Medicare Advantage zibandakanya ukongezwa okongeziweyo, okufana:

• iimviwo zombono
• iimviwo zokuva
• ukhathalelo lwamazinyo
• impilo nokuba lilungu lomzimba

Izicwangciso ezininzi ze-Medicare Advantage zibandakanya ukugubungela iziyobisi. Ungathenga iCandelo D elahlukileyo (iyeza lokumisela amayeza) ukuba isicwangciso sakho seMedicare Advantage asiboneleli ngolu bhengezo.

Izicwangciso zeMedare eziluncedo ezifumanekayo kuwe ziya kuxhomekeka kwimeko yakho. Ungasebenzisa isifumani sicwangciso kwiwebhusayithi yeMedicare ukubona ukuba yintoni ekhoyo kwindawo yakho.

Ukuthatha

ICigna yenye yeenkampani ezininzi ezenza isivumelwano neMedicare ukubonelela ngezicwangciso zeCandelo C. I-Cigna ibonelela ngezicwangciso ze-Medicare Advantage kumaxabiso ahlukeneyo. Ayizizo zonke izicwangciso ezikhoyo kuwo onke amazwe.

Unokukhetha isicwangciso esifanelana neemfuno zakho zokhathalelo lwempilo kunye nohlahlo-lwabiwo mali ngokusebenzisa isicwangciso sokufumana isicwangciso sewebhusayithi yeMedicare. ICigna ikwanokhetho kubantu abafuna ukuthenga izicwangciso zeCandelo D ezahlukileyo.

Eli nqaku lahlaziywa ngo-Novemba 13, 2020 ukubonisa ulwazi lwango-2021 lonyango.

Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.