Shirye-shiryen Amfani da Kiwon Lafiya na Blue Cross a cikin 2021

Wadatacce

• Menene tsare-tsaren Fa'idar Amfani na Blue Cross?
• Shirye-shiryen Kula da Lafiya na Blue Cross HMO
• Shirye-shiryen PPO na Gidan Lafiya na Blue Cross
• Shirye-shiryen maganin likitancin Blue Cross
• Shirye-shiryen Kula da Lafiya na Lafiya ta Blue Cross PFFS
• Blue Cross Medicare SNPs
• Nawa ne shirin Blue Cross Medicare Advantage mai amfani?
• Menene Amfanin Medicare (Medicare Part C)?
• Takeaway

• Blue Cross yana ba da nau'ikan shirye-shiryen Amfanin Medicare da nau'ikan a yawancin jihohi a Amurka.
• Shirye-shiryen da yawa sun haɗa da ɗaukar magungunan ƙwaya, ko zaka iya siyan shirin na Part D daban.
• Yawancin shirye-shiryen Amfani da Lafiya na Blue Cross suna ba da dala $ 0 kowane wata tare da ɗaukar magungunan magani.

Amfani da Medicare shine madadin Medicare na asali inda wani kamfanin inshorar lafiya mai zaman kansa yake ba da fa'idodin Medicare ɗinku, tare da sauran fa'idodin Medicare na asali ba bisa al'ada ba. Misalan sun hada da hangen nesa, hakori, da kuma ayyukan kiwon lafiya na kariya. Blue Cross Blue Garkuwa yana ɗayan waɗannan kamfanonin.

Wannan labarin yana ba ku damar kallon shirye-shiryen Amfani da Tsarin Gudanarwa na Blue Cross a cikin Amurka.

Menene tsare-tsaren Fa'idar Amfani na Blue Cross?

Blue Cross tana ba da shirye-shiryen amfani da dama na Medicare. Samuwar su na iya bambanta da yanki da jiha.

Bari mu sake nazarin nau'ikan tMedicare Adantage tsare-tsaren Blue Cross yana bayarwa.

Shirye-shiryen Kula da Lafiya na Blue Cross HMO

Blue Cross tana ba da shirin Kula da Kiwon Lafiya (HMO) a cikin jihohi da yawa, gami da Arizona, California, Florida, Massachusetts, da ƙari. A cikin wannan nau'in shirin, kuna da mai ba da sabis na farko na cibiyar sadarwa (PCP).

Idan kuna buƙatar kulawa ta musamman, da farko zaku ga PCP ɗin ku, sannan zasu ba ku damar ganin likita. Tsarin inshorarku zai fara yarda da likitan kwararru.

Banda tare da Blue Cross shi ne cewa yawancin mata ba za su buƙaci turawa don ganin OB-GYN a cikin hanyar sadarwa don kulawa da mata na yau da kullun ba, kamar su Pap smear.

Shirye-shiryen PPO na Gidan Lafiya na Blue Cross

Blue Cross tana ba da shirye-shiryen Mai ba da Amfani (PPO) a cikin jihohin da suka haɗa da Alabama, Florida, Hawaii, da Montana (don kawai kaɗan). A matsayinka na ƙa'ida, PPO zai sami fifiko mafi girma fiye da HMO. Wannan saboda yawanci ba lallai bane ku sami hanyar tuntuɓar ku don ganin gwani lokacin da kuke da PPO.

Koyaya, zaku iya adana kuɗi ta zaɓar masu ba da hanyar sadarwa a cikin jerin masu samar da kamfanin inshora. Kuna iya biyan ƙarin idan kun zaɓi mai ba da hanyar sadarwar yanar gizo.

Shirye-shiryen maganin likitancin Blue Cross

Shirye-shiryen Medicare Part D sun rufe magungunan likitan ku. Wasu Shirye-shiryen Amfanin Medicare ta hanyar Blue Cross suna ba da ɗaukar maganin magani. Koyaya, idan shirin bai ba da ɗaukar hoto ba, za ku iya zaɓar tsayayyar takaddun magani.

Blue Cross tana ba da shirye-shiryen “asali” da “haɓaka” a cikin rukunin magungunan ƙwayoyi da kuma Standard, Plus, Enhanced, Preferred, Premium, Select, da ƙarin zaɓuɓɓukan manufofin magungunan ƙwayoyi. Kowannensu zai fito da tsari, ko jerin magungunan da shirin ya kunsa da kuma tsadar farashi. Kuna iya bincika waɗannan jerin ko jerin abubuwan don tabbatar da duk shirin da kuka yi la’akari da magungunan da kuka sha.

Shirye-shiryen Kula da Lafiya na Lafiya ta Blue Cross PFFS

Kudin Kudin Kashe Don Sabis (PFFS) shirin ne na Kula da Ingantaccen Tsarin Masarufi wanda Blue Cross ke bayarwa a Arkansas kawai. Wannan nau'in shirin ba ya buƙatar ku yi amfani da takamaiman PCP, masu samar da hanyar sadarwa, ko karɓar masu gabatarwa. Madadin haka, shirin ya tsara nawa ne zai mayarwa da likita kuma kai ne ke da alhakin biyan ragowar kudaden da mai samarwa ya biya.

Wani lokaci, masu samarwa zasu yi kwangila tare da shirin PFFS don samar da ayyuka. Ba kamar sauran tsare-tsaren Medicare ba, mai ba da shirin PFFS ba dole ne ya ba ku sabis ba kawai saboda sun yarda da Medicare. Zasu iya zaɓar idan zasu samar da sabis a ƙimar biyan kuɗin Medicare ko a'a.

Blue Cross Medicare SNPs

Shirye-shiryen Buƙatu na Musamman (SNP) wani shiri ne na Kulawa da Kulawa ga waɗanda ke da wani yanayi ko sifa. Tabbas, shirin yana samar da bangarorin ɗaukar hoto mafi girma waɗanda mutum na iya buƙata. Medicare yana buƙatar duk SNPs suna samar da ɗaukar maganin magani.

Misalan Blue Cross SNPs sun haɗa da:

• Nawa ne shirin Blue Cross Medicare Advantage mai amfani?

  Kasuwancin Fa'idodin Medicare yana ƙara haɓaka. Idan kana zaune a cikin gundumar lardin, akwai wasu tsare-tsare da dama da zaka zaba daga ciki.

  Wadannan misalai ne wasu misalai na tsare-tsaren Amfani da Ingancin Lafiya na Blue Cross a wurare daban-daban tare da kudaden su na wata da sauran tsada. Waɗannan tsare-tsaren ba su haɗa da kuɗin kuɗin kuɗin ku na B na kowane wata.

  Birni / shirin	Ratingimar tauraruwa	Kudin wata-wata	Rage lafiyar, magani cire kudi	A cikin-hanyar sadarwar cikin-aljihu max	PCP biya a kowace ziyarar	Biyan kwararru a kowace ziyarar
  Los Angeles, CA: Anthem MediBlue StartSmart Plus (HMO)	3.5	$0	$0, $0	$3,000	$5	$0–$20
  Phoenix, AZ: Shirye-shiryen BluePathway 1 (HMO)	Babu	$0	$0, $0	$2,900	$0	$20
  Cleveland, OH: Anthem MediBlue Access Core (Yankin PPO)	3.5	$0 (ba ya haɗa da ɗaukar magani)	$ 0, ba a haɗa shi ba	$4,900	$0	$30
  Houston, TX: Crossarin Asibitin Kula da Lafiya na Lafiya ta Blue Cross (HMO)	3	$0	$0, $0	$3,400	$0	$30
  Trenton, NJ: izonarfin Lafiya na Horizon Medicare (HMO)	4	$31	$0, $250	$6,700	$10	$25

  Waɗannan 'yan misalai ne kaɗan na tsare-tsaren Fa'idodin Blue Cross daga gidan yanar gizon mai nemo shirin Medicare.gov. Akwai wasu zaɓuɓɓuka da yawa a cikin yankin lambar ZIP.

  Menene Amfanin Medicare (Medicare Part C)?

  Samun Amfanin Medicare (Sashe na C) yana nufin cewa kamfanin inshorar da ke ba da shirin ku zai samar da ɗaukar hoto don Sashin Medicare Sashe na A (ɗaukar asibiti), Medicare Sashin B (ɗaukar hoto). Hakanan wasu tsare-tsaren suna ba da ɗaukar maganin magani. Shirye-shiryen Amfanin Medicare sun bambanta a cikin aljihunsu na aljihu da ɗaukar hoto, gami da biyan kuɗi da kuma lamunin tsabar kuɗi.

  Ayyadaddun lokacin yin rajista a ko canza shirin Amfani da Medicare

  Waɗannan su ne ranaku masu mahimmanci don yin rajista a ko canza shirin Amfani da Medicare:

  • Lokacin yin rajista na farko. Watanni 3 na farko kafin cikar ka shekara 65, da watan haihuwar ka, da watanni 3 bayan cikar ka shekaru 65.
  • Bude lokacin yin rajista. 15 ga Oktoba zuwa 7 ga Disamba shine lokacin buɗe rajista don Fa'idodin Medicare. Sabbin tsare-tsaren za su fara aiki a ranar 1 ga Janairu.
  • Amfani da Medicare Amfani a buɗe rajista. A wannan lokacin, mutum na iya canzawa zuwa wani shirin Amfani da Medicare idan sun riga sun sami Amfani da Medicare.
  • Lokacin riba na musamman na Medicare Amfani. Lokaci lokaci wanda zaka iya canza shirinka na Amfani saboda larura ta musamman kamar wani motsi ko wani tsari wanda aka sauke a yankinka.

  Takeaway

  Blue Cross ɗayan kamfanonin inshora ne waɗanda ke ba da shirye-shiryen Amfani da Medicare. Kuna iya samun samfuran shirye-shirye ta hanyar bincika kasuwar Medicare.gov ko ta gidan yanar gizon Blue Cross. Ka sanya ranaku masu mahimmanci yayin yanke shawara lokacin yin rajista a cikin shirin Amfani da Kayan Kiwan Lafiya.

  An sabunta wannan labarin a Nuwamba 19, 2020, don yin tunani game da 2021 bayanin Medicare.

  

  Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.