Le yilapho umgaqo-nkqubo we-inshurensi we-Medicare ongezelelweyo ungabancedisa abantu abadala ukuba babe nokuthula kwengqondo xa kuziwa kwiindleko zonyango. I-insana ye-Humana ye-Inshurensi yezeMpilo inikezela ngemishanguzo ye-inshurensi eyongezelelweyo eya kunceda ukuhlawula iindleko zonyango olungagqithwanga isicwangciso soMguli rhoqo. Inika imigaqo-nkqubo eyahlukeneyo ye-Medicare eyongezelelweyo ukuze ifanelane neemfuno zakho zonyango kunye neemeko zemali.
NgoHumanana
I-insana ye-Humana Inkampani ye-Ntsholongwane i-headquarters e-Louisville, eKentucky. Ngomnye wabanini-mshishino bomshuwalense kwi-United States kwaye ulandelelanisa ukuqala kwayo ngo-1961 xa iqala njengenkampani yasekhaya labahlengikazi. I nkampani ithathe igama elithi "Humana" ngo-1974. UHuman unika iimveliso ze-inshurensi yempilo kuquka i-inshurensi yempilo, i-inshurensi yempilo kunye ne-Medicare.
U-Humana unokulinganiswa kwamandla omnxeba ophezulu okubandakanya "A-" Isilinganiselo esiphezulu nge- AM Inkonzo ephezulu ye- inshorensi.
Ukulinganisa kwe- Moody ye -Human "Baa3" ngeli xesha i- Fitch rating "BBB-." I- JD Power & Associates iqaphele uLuntu kunye "neLungu eliPhezulu kuneliseko kwiZicwangciso zezeMpilo zentengiso eTexas." I nkampani nayo ine-"A +" yokulinganisela kwi-Business Business Bureau.
ISicwangciso seMpawu kunye neNzuzo
U-Humana unikezela ngeendlela ezininzi ze-inshurensi ezongezelelweyo ezibandakanya isicwangciso sokuhlawula izidakamizwa zonyango ngokusebenzisa ubambiswano kunye nee-pharmacies zaseWal-Mart kunye nezicwangciso ze-Medicare Benevantage.
Iminikelo yomgaqo-nkqubo iyahlukahluka ngurhulumente. Nazi ezinye iinkcukacha malunga nesicwangciso ngasinye.
Izicwangciso A kunye noB
- Izibhedlele zihlawula iNgxenye ye-coinsurance kunye neentsuku ezingaphezulu ezingama-365 xa i-Medicare inzuzo iphela
- Iindleko zonyango Iqendu B uqinisekiso
- Unonophelo lwe-Hospice Icandelo A
- Iintlanzi ezintathu zamahhala zegazi xa zifunekayo ngonyaka
- ISicwangciso B sihlawula i-Medicare Icandelo A elidityanisiweyo lokubhedlelelwa esibhedlele.
Cwangciso C
- Izibhedlele zihlawula iNgxenye ye-coinsurance kunye neentsuku ezingaphezulu ezingama-365 xa i-Medicare inzuzo iphela
- Iindleko zonyango Iqendu B uqinisekiso
- Unonophelo lwe-Hospice Icandelo A
- Iintlanzi ezintathu zamahhala zegazi xa zifunekayo ngonyaka
- Uncedo lononophelo lwezonyango
- I-Medicare Ingxenye A echithwe kwi-hospitali
- I-Medicare Part B echithwe kwizonyango zonyango kunye neziphene
- Uncedo olungxamisekileyo lwezonyango xa uhamba kwelinye ilizwe
Cwangciso F
- Izibhedlele: INgxenye ye-coinsurance kunye neentsuku ezingama-365 emva kokuxhamla kweeMeditore ekupheleni
- Iindleko zonyango: INgxenye B ye-coinsurance - iipesenti ezingama-20 zeendleko ezivunyiweyo ze-Medicare okanye iimali zokubhalwa kwee-hospital hospital hospitality services
- Unonophelo lwe-Hospice Icandelo A
- Uncedo lononophelo lwezonyango
- I-Medicare Ingxenye A echithwe kwi-hospitali
- I-Medicare Part B echithwe kwizonyango zonyango kunye neziphene
- Uncedo olungxamisekileyo lwezonyango xa uhamba kwelinye ilizwe
- Okukhethiweyo okuphezulu kunabo bafuna iiprayimari ezincinci (ngo-2014, uhlawula i-deductible ye-$ 2,140 ngaphambi kokuba icebo liqalise ukufaka iindleko)
Cwangciso G
IsiCwangciso seG ulungiselela zonke izibonelelo zeCwangciso F ngaphandle kweCandelo B elithintekayo. Esi sicwangciso sabantu abazimisele ukuhlawula iCandelo B elithintekayo ngokwabo.
- Isibhedlele: INgxenye ye-coinsurance kunye neengxelo ezingama-365 emva kokugqitywa kweMediarethi
- Icandelo B coinsurance -20 ekhulwini zeendleko ezivunyiweyo ze-Medicare okanye iintlawulo zentsebenziswano yeenkonzo zesibhedlele ezingaphandle.
- Igazi - zokuqala ezintathu zeengcongolo zikhululekile kunyaka ngamnye
- Isibhedlele seNgxenye A
- Ukunakekelwa kweziko lobuhlengikazi
- I-Medicare Ingxenye A echithwe kwi-hospitali
- Iipesenti eziyi-100 ze-Medicare Part B bendleko ezingaphezu kwemali (umlinganiselo phakathi kwento enikezelwa ngumboneleli kunye neyiphi i-Medicare iya kuhlawula)
- Unonophelo lwezempilo olukhawulezayo xa uhamba kwelinye ilizwe
Izicwangciso K, LN
Izicwangciso zeK, i-L ne-N zinokhetho olufanayo oluyisiseko njengoko ezinye i-Medicare zongezelela izicwangciso kodwa zinikela iinketho zokuhlawula iiprayimari zenyanga. Ngaphantsi kwe-inshurensi kunye kunye neefayili zentlawulo zihlawulwe ngokutshintshana nge-premium yenyanga ephantsi.
Iinkcukacha zoqhakamshelwano
Unokutyelela iwebhusayithi yeHumanana ukuze ufunde kabanzi malunga nomgaqo-nkqubo we-inshurensi eyongezelelweyo kunye nezinye iimveliso zomshuwalense. Ukusuka kwiwebhusayithi, unokukhangela izicwangciso ze-Medicare Benevantage kwindawo yakho. U-Humana unomncedisi wama-24/7 oncedisayo ekuncediseni imibuzo yezobugcisa. Kukho amaninzi amanqaku oqhagamshelwano no-Humana kuye kuxhomekeka ukuba ngaba ungumthengi wangoku okanye ufuna ukuthenga umgaqo-nkqubo we-inshorensi yempilo. Unokufumana aba oqhagamshelwano kwi-Humana qha ga mshelana nathi.