Ndeapi Medicare Advantage Zvirongwa Anowana Humana Kupa muna 2021?

Zvemukati

• Humana Medicare Kubatsira HMO zvirongwa
• Mariro
• Kuvhara
• Humana Medicare Kubatsira PPO zvirongwa
• Mariro
• Kuvhara
• Humana Medicare Kubatsira PFFS zvirongwa
• Mariro
• Kuvhara
• Humana Medicare Kubatsira SNPs
• Mariro
• Kuvhara
• Chii chinonzi Medicare Kubatsira?
• Kutora

• Humana ikambani yeinishuwarenzi yakazvimiririra iyo inopa Medicare Advantage (Chikamu C) zvirongwa.
• Humana inopa HMO, PPO, PFFS, uye SNP kuronga sarudzo.
• Haasi ese marongero eHumana Medicare Advantage anogona kuwanikwa munharaunda yako.

Kana iwe watoita sarudzo yekuenda nechirongwa cheMedicare Advantage (Medicare Chikamu C), iwe uchine sarudzo dzekuita. Imwe yeaya ndeye inishuwarenzi mupi uyo anozopa iwe kufukidzwa kwako.

Humana ikambani yeinishuwarenzi yehutano inogara muKentucky uye inotenderwa neMedare kutengesa zvirongwa zveChechi C. Tichataura nezvezvirongwa zvinopihwa naHumana, izvo zvinodhura, izvo zvavanofukidza, uye nezvimwe.

Humana Medicare Kubatsira HMO zvirongwa

Mariro

Hutano Hwekuchengetedza Sangano (HMO) zvirongwa zvinokwezva kune vanhu vazhinji nekuda kwekukwanisika kwavo. Mune mazhinji maZIP kodhi, pane zvirongwa zviripo zvemadhora 0 emwedzi pamubhadharo.

Makopasi emutengo wakaderera anodikanwa kana iwe ukaona vanopa, sevanyanzvi. Iyi miripo inosiyana, zvinoenderana nenzvimbo, asi inotangira kubva pamadhora 0 kusvika kumadhora makumi mashanu munzvimbo zhinji. Mune zviitiko zvakawanda, chiremba wako wekutanga haatore copay.

Mari dzegore dzese dzinobvisirwa zvirongwa zveHumana HMO zvinosiyana kubva pamadhora 0 kusvika kumadhora mazana masere, zvichienderana nenzvimbo yako uye chirongwa chaunosarudza.

Panogona kunge paine chinobviswa chegore rose chemishonga yekunyorera zvinodhaka zvakare. Izvi zvinosiyana kubva pamadhora 0 kusvika pamadhora mazana mana nemakumi mairi nemashanu, zvichienderana nenzvimbo yako uye chirongwa chaunosarudza.

Mari yako yegore rose yekubuda-kwehomwe mari inozosiyanawo zvichienderana nezano raunosarudza, asi hukuru hwechero chirongwa cheMedare Inobatsira ndeche $ 7,550 muna 2021.

Kuvhara

Zvinodikanwa nemutemo, izvi zvirongwa zvinofukidza zvakati wandei sekutanga Medicare, kuti ugone kuve nechokwadi chekutora chipatara kufukidzwa, kurapwa kwekurapa, uye kuchengetedza kwekudzivirira, kusanganisira kugadzwa kwegore negore uye majekiseni.

Sezvo nechero HMO, iwe unofanirwa kusarudza vanachiremba vako, kusanganisira chiremba wako wekutanga (PCP), kubva mukati merongwa rweanopa network. Humana inopa Point-of-Service (HMO-POS) chirongwa icho chinokutendera iwe kusarudza vekunze-ve-network vanopa mune mamwe mamiriro.

Iwe uchazoda kutumirwa kubva kuPCP yako kuti uone nyanzvi uye vamwe vanopa.

Humana's HMOs inovhara kurapwa kwekukurumidza kunze kweUnited States.

Dzimwe dzeHumana dzeHMOs dzinosanganisira zvakare kunyorerwa kwemishonga yekunyorera iyo yakaenzana kana iri nani pane kumira-wega Medicare Chikamu D zvirongwa.

Mazhinji emapurani aya anosanganisira yemahara nhengo kune mazhinji emuno majimu uye makirabhu ehutano. Haasi ese mafirita nzvimbo inosanganisirwa pane urwu runyorwa.

Humana Medicare Kubatsira PPO zvirongwa

Mariro

Anosarudzika Provider Sangano (PPO) zvirongwa zvinokupa iwe rusununguko rwekusarudza chero Medicare-inogamuchirwa chiremba waunoda kuona. Nekudaro, vekunze-kwe-chirongwa vanopa vanozodhura zvakanyanya muzviitiko zvakawanda.

Mapuramu ako epamwedzi epuramu uye macopay anogona kunge akakwirira kupfuura maHMO mune mamwe maZIP kodhi asi achiri kudhura. Makopi evanyanzvi anotangira pamadhora makumi maviri kusvika pamakumi mana emadhora muzviitiko zvakawanda.

Yakawanda yepagore yekudzivirira kuongororwa kunogona kuwanikwa pasina muripo.

Zvakare, yako yepagore yakakwira yekunze-kwe-muhomwe mari inozochinjawo zvichienderana nechirongwa chaunosarudza asi haikwanise kudarika $ 7,550.

Kuvhara

Sezvinodiwa nemutemo, izvi zvirongwa zvinofukidza zvakati wandei sekutanga Medicare, saka unogona kuve nechokwadi chekutora chipatara uye zvekurapa zvekurapa.

Uchadaro kwete unoda kutumirwa kuti uone nyanzvi.

Aya marongero anopa mu-network imba hutano hutano. Vanopawo zvekuwedzera zvinowedzera, senge chiono, mazino, mishonga yemishonga yekuvhara, uye zvirongwa zvemuviri.

Kuchengetedzwa kwechimbichimbi kunze kweUnited States kumwe kubatsirwa kwakawedzerwa.

Humana Medicare Kubatsira PFFS zvirongwa

Mariro

Mari yega yega yebasa (PFFS) zvirongwa hazviwanikwe kwese kwese.

Nechirongwa chePFFS, unogona kuona chero chiremba anotenderwa neMedare, chero vangobvuma Humana's PFFS zviga zvebasa nemamiriro ekubhadhara.

Humana PFFS zvirongwa zvinosiyana kubva pakutanga Medicare uye kubva kune mamwe marongero ekuwedzera. Sainishuwarenzi, Humana, kwete Medicare, anozoona zvavanobhadhara kune vanoona nezvehutano uye zvipatara pamwe nemari yaunoda kubhadhara iwe kutarisira kwako.

Nechirongwa chePFSF, haufanire kusarudza chiremba wekutanga wekutarisira. Iwe zvakare haudi kutsvaga kuendesa kuti uone nyanzvi.

Yakawanda yepagore yekudzivirira kuongororwa kunogona kuwanikwa pasina muripo.

Izvo zvakakosha kuti usimbise kuti chiremba wako ane chibvumirano chichienderera mberi neHumana PFFS network usati wawana masevhisi. Kunze kwekunge iwe uchida rubatsiro rwechimbichimbi, hauzovimbiswa kuti chiremba waunoona achakurapa kana kubvuma kubhadharwa kubva kuchirongwa chako.

Mari yako inogona kusiyana zvichienderana nechirongwa chaunosarudza. Iwe unozogona kwazvo kubhadhara iyo-yekugovana-mari mari yakatemwa nehurongwa hwako, senge seti macopayments uye coinsurance. Iwe unogona zvakare kudiwa kuti ubhadhare bhizimusi remupi mukuwedzera kune idzi dzakatarwa fizi.

Kuvhara

Nemutemo, izvi zvirongwa zvinofukidza zvakati wandei sekutanga Medicare, saka unogona kuve nechokwadi kuti uchawana zvipatara uye zvekurapa zvekurapwa.

Kunyorwa kwemishonga yekunyorera kunosanganisirwa mune mazhinji, asi kwete ese, PFFS zvirongwa.

Kuchengetedzwa kwechimbichimbi kunze kweUnited States kwakafukidzwa.

Sezvo vasina-network vanachiremba vanogona kusarudza kubvuma kubhadharwa kuburikidza nehurongwa hwePFS zvichienderana nebasa rakapihwa kana pane kesi-ne-kesi hwaro, haugone kuva nechokwadi chekuti chiremba achakurapa, kunyangwe kana vakabata mumwe murwere ane PFS imwechete chirongwa chaunoita.

Humana Medicare Kubatsira SNPs

Mariro

Zvirongwa Zvezvinodiwa Zvakakosha (SNPs) zvinowanzove zvemahara uye hazvidi macopay, maprimiyamu, kana kusimbiswa kwemari.

SNPs dzinongowanikwa chete kana ukasangana nezvinodiwa, senge:

• kugara mune chaiwo maratidziro ekurapa varwere, senge imba inochengeterwa vakwegura
• kuva nehurema husingaperi mamiriro anotenderwa neMedicare yeSNP
• kukodzera kune ese ari maviri Medicare neMedicaid

Humana inopa maviri marudzi eSNPs anowanikwa munzvimbo dzinosvika makumi maviri. Imwe mhando ndeye vanhu vanokodzera maMedicaid neMedicare. Rumwe rudzi nderwevaya vane mamwe mamiriro ehutano husingaperi, akadai se:

• chirwere chemwoyo
• chisingaperi chirwere chemoyo
• chisingaperi chirwere chemapapu
• chirwere cheshuga
• yekupedzisira nhanho renal chirwere (ESRD)

Kuvhara

Kana iwe uchikodzera kuwana Humana SNP, iwe unowana ese mabhenefiti eiyo yekutanga Medicare pamwe neMedare Chikamu D.

Hutano nehutano zvirongwa zvinogona zvakare kuverengerwa kune mamiriro akadai seshuga uye neyekudzivirira kuchengetedza. Yako SNP inogona zvakare kufukidza kugara uchichengeta mazino, kutarisirwa kwekuona, kutarisirwa kwekunzwa, uye zvisina kukurumidza mabasa ekufambisa ekurapa. Iyo inopfuura-iyo-iyo (OTC) mvumo inowanzo kuverengerwa kune yakatarwa huwandu.

Chii chinonzi Medicare Kubatsira?

Medicare Advantage (Chikamu C) zvirongwa zvirongwa zvinopa kuwedzera kufukidzwa pamusoro peiyo yekutanga Medicare inopa. Mari dzechirongwa chega chega dzinosiyana zvichienderana nedanho rekuvhara raunosarudza, pamwe nenzvimbo yako.

Medicare Advantage zvirongwa zvinofanirwa kuvhara zviri pamutemo zvakati wandei sekutanga Medicare. Iwo mamwe masevhisi avanopa anowanzo sanganisira kufukidza mazino, kuona, kunzwa, uye mishonga yemishonga.

Haasi ese marudzi ehurongwa anowanikwa munzvimbo dzese. Medicare inowana chirongwa chehurongwa inogona kukubatsira kuongorora zvirongwa zveMedare zvinowanikwa munzvimbo yako. Iwe unozofanirwa kuisa yako ZIP kodhi.

Kutora

Humana inopa dzakasiyana-siyana zvirongwa zveMedare zvinobatsira munzvimbo zhinji dzenyika. Aya marongero anodikanwa nemutemo kupa zvakati wandei kufukidzwa kwakawanda sekutanga Medicare.

Mazhinji zvirongwa zvinopa mamwe marudzi evhavha, senge chiono, mazino, uye mishonga yemishonga. Iyo zano iwe yaunogona kusarudza inofanirwa kushandira yako ZIP kodhi. Mariro inosiyana nehurongwa.

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.