Cigna Medicare Advantage Plans: Nongedzo kunzvimbo, Mitengo, uye Zvirongwa Mhando

Zvemukati

• Ndeapi macigna Medicare Advantage zvirongwa?
• Cigna Medicare Inobatsira HMO zvirongwa
• Cigna Medicare Inobatsira PPO zvirongwa
• Cigna Medicare Inobatsira PFFS zvirongwa
• Cigna Medicare kuchengetedza account (MSA)
• Cigna Medicare Chikamu D (chirongwa chemushonga)
• Zvimwe zvirongwa zveCigna Medicare
• Ndekupi kuri Cigna Medicare Kubatsira zvirongwa zvinopihwa?
• Zvakawanda sei zvinonzi Medicare Advantage zvirongwa zvinodhura?
• Chii chinonzi Medicare Kubatsira (Medicare Chikamu C)?
• Kutora

• Cigna Medicare Advantage zvirongwa zvinowanikwa mumatunhu mazhinji.
• Cigna inopa akati wandei marudzi eMedare Advantage zvirongwa, senge HMOs, PPOs, SNPs, uye PFFS.
• Cigna inopawo akasiyana Medicare Chikamu D zvirongwa.

MuUnited States, Cigna inopa inishuwarenzi yehutano kune vatengi kuburikidza nevashandirwi, Hutano Inishuwarenzi Musika, uye Medicare.

Iyo kambani inopa Medicare Kubatsira zvirongwa munzvimbo zhinji kuyambuka United States. Cigna zvakare inopa Medicare Chikamu D zvirongwa mune ese makumi mashanu matunhu.

Cigna's Medicare zvirongwa zvinogona kuwanikwa uchishandisa chirongwa cheMedicare chekutsvaga chishandiso.

Ndeapi macigna Medicare Advantage zvirongwa?

Cigna inopa Medicare Advantage zvirongwa mune akasiyana mafomati. Haasi mafomati ese anowanikwa mumatunhu ese. Kana iwe uchigara mudunhu rine Cigna Medicare Advantage zvirongwa, iwe unogona kukwanisa kusarudza kubva kune mashoma mafomati akasiyana. Zvirongwa zvinowanikwa kwauri zvinogona kusanganisira zvinotevera sarudzo.

Cigna Medicare Inobatsira HMO zvirongwa

Sangano reHutano Hwekuchengetedza Sangano (HMO) rinoshanda netiweki yevanopa. Iwe unozofanirwa kuenda kuna vanachiremba, zvipatara, uye nevamwe vanopa mukati meiyo network network kuti masevhisi ako afukidzwe. Zvisinei, kana iwe uine dambudziko, chirongwa chacho chinogona kubhadhara kunyange kana iwe ukabuda kunze kwenethiwekhi.

Zvichienderana nechirongwa chaunosarudza, uchafanirwa kusarudza chiremba wekutanga (PCP). PCP yako inofanirwa kunge iri ye-in-network mupi uye ichave iye munhu anokuendesa kune nyanzvi kune chero mamwe masevhisi aungangoda.

Cigna Medicare Inobatsira PPO zvirongwa

Iyo Yakasarudzika Provider Sangano (PPO) chirongwa chine network yevanopa senge HMO. Zvisinei, kusiyana neHMO, iwe uchafukidzwa paunoona vanachiremba uye nyanzvi kunze kwepurogiramu yeneti. Iyo hurongwa icharamba ichibhadhara, asi iwe uchabhadhara yakakwira coinsurance kana kopi yemari kupfuura iwe yaungaite neye in-network mupi.

Semuenzaniso, kushanyira kune-mu-network wepanyama anogona kukubhadhara madhora makumi mana, nepo kushanyira kune wekunze-kweanopa mutengi kunogona kuita madhora makumi masere.

Cigna Medicare Inobatsira PFFS zvirongwa

Yakavanzika Mari-Ye-Basa (PFFS) zvirongwa zvinoshanduka. Kusiyana neHMO kana PPO, mapurogiramu ePFS haana network. Unogona kuona chero chiremba anotenderwa neMedare achishandisa chirongwa chePFS. Iwe haufanire kuve nePCP kana kuendeswa, chero. Pane kudaro, iwe uchabhadhara yakatarwa huwandu kune yega sevhisi yaunogashira.

Nekudaro, vanopa vanogona kusarudza kuti vobvuma kana kusabvuma chirongwa chako chePFS pane kesi-ne-kesi hwaro. Izvi zvinoreva kuti iwe haugone kutarisira pane sevhisi inogara ichivharwa, kunyangwe iwe ukanamatira nachiremba mumwe chete. Zvirongwa zvePFS zvinowanikwawo munzvimbo shoma pane maHMO kana maPPO.

Cigna Medicare kuchengetedza account (MSA)

Iwe unogona kunge usinga zivikanwe neMedicare yekuchengetedza account (MSA) zvirongwa sekune mamwe marudzi ezvirongwa zvehutano. NeMSA, chirongwa chako chekuchengetedza hutano chakasanganiswa neakaundi yebhangi. Cigna inoisa mari yakatemwa muaccount yebhangi, uye iyo mari ichashandiswa kubhadhara yako ese Medicare Chikamu A uye Chikamu B mutengo. Zvirongwa zveMSA hazviwanzo sanganisira kufukidzwa kwemishonga.

Cigna Medicare Chikamu D (chirongwa chemushonga)

Medicare Chikamu D inorayirwa kunyorera zvinodhaka. Chikamu cheD zvirongwa chinokubatsira iwe kubhadhara zvawanyora. Iwe uchabhadhara kamari kekushoma kune mazhinji Chikamu D zvirongwa, uye panowanzo kuve nekubviswa pamberi pekuvhara kukwira mukati.

Ungangoda kushandisa in-network chemishonga kuti mishonga yako ifukidzwe. Yakawanda sei yako yemutengo wemutero yakafukidzwa zvinoenderana nekuti mushonga wacho wakaita sei, zita rezita, kana hunyanzvi.

Zvimwe zvirongwa zveCigna Medicare

Zvichienderana nekwaunogara uye nemamiriro ako ezvinhu, unogona kukwanisa kutenga Cigna Special Needs Chirongwa (SNP). SNPs yakagadzirirwa vatengi vane zvidikanwi chaizvo. Izvi zvinodikanwa zvinogona kunge zviri zvekurapa kana zvemari. Mienzaniso yenguva SNP inogona kunge iri sarudzo yakanaka inosanganisira:

• Iwe une mari shoma uye unokodzera Medicaid. Iwe uchabhadhara zvakaderera zvakanyanya mitengo kana iwe uchikodzera iyo Medicaid neMedare inosanganiswa SNP.
• Iwe une mamiriro anoda kutarisirwa nguva dzose, akadai seshuga. SNP yako inogona kukubatsira kubata nemamiriro ako uye kuvhara zvimwe zvekuchengeta kwako.
• Iwe unogara munzvimbo yekuyamwisa. Iwe unogona kuwana SNPs kuti ubatsire kudzora mitengo yekugara munzvimbo yekugara kwenguva refu.

Cigna zvakare inopa mashoma Hutano Kuchengetedza Masangano nePoint-of-Service (HMO-POS) zvirongwa. Iwe unenge uine zvishoma zvishoma kuchinjika neHMO-POS pane yechinyakare HMO chirongwa. Aya marongero anotendera iwe kuti ubude kunze kwenetiweki kune mamwe masevhisi. Nekudaro, kubuda kunze kweneti kunouya nemutengo wakakwira.

Ndekupi kuri Cigna Medicare Kubatsira zvirongwa zvinopihwa?

Parizvino, Cigna inopa Medicare Advantage zvirongwa mu:

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

Medicare Inobatsira chirongwa chinopihwa chinosiyana nedunhu, saka pinda yako chaiyo ZIP kodhi kana uchitsvaga zvirongwa kwaunogara.

Zvakawanda sei zvinonzi Medicare Advantage zvirongwa zvinodhura?

Iko mutengo weako Cigna Medicare Kubatsira chirongwa kunoenderana nekwaunogara uye nerudzi rwechirongwa chaunosarudza. Ramba uchifunga kuti chero Advantage chirongwa chekutanga chinobhadhariswa mukuwedzera kune yakajairwa Medicare Chikamu B premium.

Mamwe mamiro eCigna mhando uye mitengo kubva kutenderera nyika inogona kuwanikwa mune tafura pazasi:

Chii chinonzi Medicare Kubatsira (Medicare Chikamu C)?

Medicare Advantage (Chikamu C) chirongwa chekuchengetedza hutano chinopihwa nekambani yakazvimirira, saCigna, iyo inobvumirana neMedare kuti ipe kufukidzwa.

Medicare Advantage zvirongwa zvinotora nzvimbo yeMedare Chikamu A (inishuwarenzi yechipatara) uye Medicare Chikamu B (inishuwarenzi yekurapa). Pamwe chete, Medicare zvikamu A uye B zvinotumidzwa se "yekutanga Medicare." Iyo Medicare Kubatsira chirongwa inobhadhara kune ese masevhisi akafukidzwa neyekutanga Medicare.

Mazhinji zvirongwa zveMedare zvinobatsira zvinosanganisira kuwedzera kufukidzwa, senge:

• chiono bvunzo
• kunzwa bvunzo
• kutarisirwa mazino
• hutano uye nhengo dzehutano

Mazhinji zvirongwa zveMedare zvinobatsira zvakare zvinosanganisira kunyorerwa kwachiremba kwemishonga. Unogona kutenga chakaparadzaniswa Chikamu D (chinodhaka chemushonga) kufukidzwa kana chirongwa chako cheMedicare Chakanakira chisina kupa kufukidzwa

Medicare Advantage zvirongwa zviripo kwauri zvinoenderana nedunhu rako. Iwe unogona kushandisa iyo yekutsvaga yekutsvaga pane iyo Medicare webhusaiti kuti uone izvo zviripo munzvimbo yako.

Kutora

Cigna ndeimwe yemakambani mazhinji anobvumirana neMedare kupa zvikamu zveChechi C. Cigna inopa Medicare Advantage zvirongwa pamhando dzakasiyana dzemitengo. Haasi ese marongero anowanikwa mumatunhu ese.

Iwe unogona kusarudza chirongwa chinokwana zvido zvako zvehutano uye bhajeti uchishandisa iyo Medicare webhusaiti chirongwa chekutsvaga. Cigna zvakare ine sarudzo kune vanhu vanoda kutenga akasiyana Chikamu D zvirongwa.

Chinyorwa ichi chakagadziridzwa munaNovember 13, 2020, kuratidza 2021 Medicare ruzivo.

Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.