{"id":135380,"date":"2017-11-28T08:11:21","date_gmt":"2017-11-28T16:11:21","guid":{"rendered":"http:\/\/www.sandiegochinesepress.com\/press\/?p=135380"},"modified":"2017-11-28T21:19:53","modified_gmt":"2017-11-29T05:19:53","slug":"%e8%81%94%e9%82%a6%e5%a4%84%e6%96%b9%e8%8d%af%e7%a6%8f%e5%88%a9%e4%bf%9d%e9%99%a9med-p-d%e5%b7%b2%e5%bc%80%e5%a7%8b%e7%99%bb%e8%ae%b0","status":"publish","type":"post","link":"https:\/\/www.sandiegochinesepress.com\/press\/%e8%81%94%e9%82%a6%e5%a4%84%e6%96%b9%e8%8d%af%e7%a6%8f%e5%88%a9%e4%bf%9d%e9%99%a9med-p-d%e5%b7%b2%e5%bc%80%e5%a7%8b%e7%99%bb%e8%ae%b0\/.html","title":{"rendered":"\u7f8e\u570b\u806f\u90a6\u653f\u5e9c\u91ab\u7642\u7167\u9867\u8655\u65b9\u798f\u5229\u4fdd\u96aa Medicare Part D \u767b\u8a18\u5f9e10\u670815\u65e5\u958b\u59cb\u81f312\u67087\u65e5\u622a\u6b62"},"content":{"rendered":"

\u65c5\u5c45\u5723\u5730\u4e9a\u54e5\u534e\u88d4\u836f\u5242\u5e08\u6881\u4e49\u5927\u5148\u751f\u4e0d\u4e45\u524d\u64b0\u7a3f\u6307\u51fa\uff1a<\/p>\n

\u6700\u65b0\u6d88\u606f\u660e\u5e742018\u5e744\u6708\u81f3 \u5f8c\u5e742019\u5e744\u6708\uff0c\u60a8\u6703\u6536\u5230\u65b0\u7684Medicare Card \u91ab\u7642\u7167\u9867\u5361\u7247\u548c\u65b0\u7684\u4fdd\u96aa\u865f\u78bc\u3002\u65b0\u7684\u5361\u7247\u6c92\u6709\u60a8\u7684\u793e\u6703\u798f\u5229\u865f\u78bc\uff0c\u4ee5\u4fbf\u4fdd\u969c\u60a8\u7684\u500b\u5225\u96b1\u79c1\uff0c\u70ba\u78ba\u4fdd\u60a8\u6536\u5230\u65b0 \u7684 \u5361\u7247\uff0c\u60a8\u7684\u4f4f\u5740\u4e00\u5b9a\u8981\u6b63\u78ba\uff0c\u5982\u6709\u8b8a\u66f4\u61c9\u99ac\u4e0a\u5411 \u793e\u6703\u798f\u5229\u5c40\u7533\u8acb\u66f4\u6b63\u3002(\u65b0 \u7684\u5361\u7247\u5982\u4ee5\u4e0b\u5c55\u793a\u7684\u6a23\u672c)<\/p>\n

\u203b\u8a18\u4f4f\u524d\u5e742016\u7684\u91cd\u8981\u898f\u5b9a\uff0c\u60a8\u7684\u91ab\u5e2b\u5fc5\u9808\u5728\u793e\u6703\u798f\u5229\u5c40\u767b\u8a18\u6216\u6709\u7279\u6b8a\u60c5\u5f62\u53ef\u4e0d\u9808\u5728\u793e\u6703\u798f\u5229\u5c40\u767b\u8a18\uff0c\u60a8\u7684\u91ab\u5e2b\u6240\u958b\u51fa\u7684\u8655\u65b9\u7c3d\u4fdd\u96aa\u516c\u53f8\u624d\u6703\u7d66\u4ed8\uff0c\u4e0d\u7136\u60a8\u5c31\u8981\u81ea\u4ed8\u85e5\u8cbb\u3002\u4eca\u5e74\u7684\u7e73\u4ea4\u7684\u8cbb\u7528\uff0c\u50c5\u6709\u4e9b\u5fae\u7684\u8b8a\u66f4\uff0c\u5927\u90e8\u5206\u548c\u53bb\u5e74\u4e00\u6a23\u3002<\/p>\n

2018\u5e74\u5ea6\u7684\u806f\u90a6\u653f\u5e9c\u91ab\u7642\u7167\u9867\u8655\u65b9\u4fdd\u96aa\u767b\u8a18\u5df2\u5f9e10\u670815\u65e5\u958b\u59cb\uff0c\u81f312\u67087\u65e5\u622a\u6b62\u3002\u5047\u5982\u60a8\u662f\u65b0\u767b\u8a18\u8981\u52a0\u5165\uff0c\u9084\u662f\u8981\u8b8a\u66f4\u60a8\u73fe\u6709\u7684\u8655\u65b9\u798f\u5229\u4fdd\u96aa\uff0c\u4e00\u5b9a\u8981\u572812\u67087\u65e5\u4ee5\u524d\u5b8c\u6210\u767b\u8a18\uff0c\u4ee5\u78ba\u4fdd\u60a8\u7684\u8655\u65b9\u798f\u5229\u4fdd\u96aa\u5f9e2018\u5e741\u67081\u65e5\u751f\u6548\u3002\u5982\u60a8\u5df2\u57282017\u5e74\u767b\u8a18\u52a0\u5165\u8655\u65b9\u798f\u5229\u4fdd\u96aa\uff0c\u800c\u4e14\u60a8\u4e5f\u6eff\u610f\u7684\u8a71\uff0c\u60a8\u53ef\u4ee5\u4e0d\u8981\u4f5c\u4efb\u4f55\u7533\u8acb\uff0c\u4f46\u552f\u4e00\u8981\u6ce8\u610f\u7684\u662f\uff0c\u8acb\u78ba\u8a8d\u60a8\u539f\u4f86\u7684\u6295\u4fdd\u7684\u516c\u53f8\u5bc4\u7d66\u60a8\u7684\u66f8\u9762\u8cc7\u8a0a\uff0c\u5982\u201cEVIDENCE Of Coverage\u201d(EOC)\u4fdd\u969c\u8a3c\u660e\u548c\u201cAnnual Notice of Change\u201d(ANOC)\u4fdd\u96aa\u8b8a\u66f4\u5e74\u5ea6\u901a\u77e5\uff0c\u8655\u65b9\u798f\u5229\u4fdd\u96aa\u8a08\u5283\u9084\u7e7c\u7e8c\u4fdd\u7559\u57282017\u5e74\u7684\u806f\u90a6\u91ab\u7642\u7167\u9867\u8655\u65b9\u798f\u5229\u8a08\u5283\u30022018\u7684\u4fdd\u96aa\u8a08\u5283\u5927\u81f4\u548c2017\u5e74\u7684\u76f8\u540c\uff0c2018\u5e74\u82072017\u5e74\u6536\u8cbb\u6bd4\u8f03\u5217\u8ff0\u5982\u4e0b\uff1a<\/p>\n\n\n\n\n\n\n\n\n
<\/td>\n2017\u5e74<\/td>\n2018\u5e74<\/td>\n<\/tr>\n
\u5e73\u5747\u6708\u4fdd\u8cbb<\/td>\n$35.63<\/td>\n$35.02<\/td>\n<\/tr>\n
\u6263\u62b5\u984d (Deductible) (\u8acb\u770b\u8a3b\u4e00)<\/td>\n$400<\/td>\n$405<\/td>\n<\/tr>\n
\u4fdd\u96aa\u516c\u53f8\u652f\u4ed875%\u85e5\u50f9\uff0c\u7576\u81ea\u4ed8\u85e5\u8cbb\u7e3d\u984d\u4ecb\u65bc<\/td>\n$400-$3700<\/td>\n$405-$3700<\/td>\n<\/tr>\n
\u7576\u81ea\u4ed8\u85e5\u8cbb\u7e3d\u984d\u4ecb\u65bc\u751c\u9905\u5708\u6d1e (Donut Hole)\uff0c\u65b0\u7684\u88dc\u52a9\u65b9\u6848(\u8acb\u770b\u8a3b\u4e8c)<\/td>\n$3700-$4950<\/td>\n$3700-$5000<\/p>\n

(\u8acb\u770b\u8a3b\u4e09)<\/td>\n<\/tr>\n

\u4fdd\u96aa\u516c\u53f8\u652f\u4ed895%\u85e5\u50f9\uff0c\u7576\u81ea\u4ed8\u85e5\u8cbb\u8d85\u904e (\u4e0d\u5305\u62ec\u5e73\u5747\u6708\u4fdd\u8cbb)<\/td>\n$4950<\/td>\n$5000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u8a3b\u4e00\uff1a\u6709\u4e9b\u8655\u65b9\u4fdd\u96aa\u8a08\u5283\u4e0d\u9808\u8ca0\u64d4\u6263\u62b5\u984d(Deductible)\u5982SilverScript Choice \u4fdd\u96aa\u8a08\u5283\uff0c\u4e14\u6bcf\u6708\u7684\u4fdd\u8cbb\u50c5\u4ea4$28.50\u3002\u6700\u7701\u9322\u7684\u6708\u4fdd\u8cbb\u662f AETNA Medicare RxSelect\uff0c\u6bcf\u6708\u50c5\u9808$19.70\u53ef\u662f\u6709$405\u7684\u6263\u62b5\u984d\u8cbb\u7528\u3002<\/p>\n

\u8a3b\u4e8c\uff1a2018\u5e74\u7684\u751c\u9905\u5708\u6d1e(Donut Hole)$1,300\u7684\u85e5\u8cbb\uff0c\u57282018\u5e74\u7684\u88dc\u52a9\u65b9\u6848\u5728\u6b64\u6bb5\u8655\u65b9\u85e5\u5982\u662f\u540d\u5ee0\u85e5\uff0c\u53ea\u9808\u4ed835%\u7684\u85e5\u50f9\uff0c\u5982\u662f\u4e00\u822c\u85e5\u5ee0\u7684\u85e5\uff0c\u53ea\u9808\u4ed844%\u85e5\u50f9\uff0c\u5176\u9918\u7531\u5ee0\u5546\u8ca0\u64d4\uff0c\u800c\u540d\u5ee0\u85e5\u5ee0\u5546\u8ca0\u64d4\u7684\u90e8\u4efd\uff0c\u4e5f\u7b97\u5728\u60a8\u500b\u4eba\u81ea\u4ed8\u85e5\u8cbb\u7684\u652f\u51fa\u8a08\u7b97\uff0c\u4e0d\u81f4\u9020\u6210\u88ab\u4fdd\u96aa\u8005\u5728\u751c\u9905\u5708\u6d1e\u671f\u9593\u9808\u8ca0\u64d4\u5168\u984d\u85e5\u50f9\u7684\u56f0\u64fe\uff0c\u4f46\u4e00\u822c\u5316\u5b78\u85e5\u54c1\u53ea\u8a08\u7b97\u4f60\u4ed8\u768444%\u85e5\u50f9\uff0c\u4e0d\u50cf\u540d\u5ee0\u85e5\u5ee0\u5546\u6703\u88dc\u52a9\u3002<\/p>\n

\u8a3b\u4e09\uff1a2018\u5e74(Donut Hole)\u586b\u9905\u5708\u6d1e\u7684$3700-$5000\u7684\u8cbb\u7528\uff0c\u56e02018\u5e74\u793e\u6703\u798f\u5229\u5c40\u7db2\u9801\u548c\u520a\u7269\u672a\u8a3b\u660e\uff0c\u4ecd\u63a1\u75282017\u5e74\u7684\u6a19\u6e96$3700 \u4ee5\u4f9b\u5c0d\u7167\u3002<\/p>\n

\u203b\u5047\u5982\u60a8\u5df2\u7d93\u7b26\u5408\u8cc7\u683c\u53c3\u52a0\u806f\u90a6\u653f\u5e9c\u91ab\u7642\u7167\u9867\u8655\u65b9\u798f\u5229\u4fdd\u96aa\uff0c\u800c\u81f3\u4eca\u4ecd\u672a\u53c3\u52a0\u7684\u8a71\uff0c\u7f70\u5247\u7684\u898f\u5b9a\uff1a\u5f9e\u60a8\u61c9\u767b\u8a18\u53c3\u52a0\u806f\u90a6\u793e\u6703\u798f\u5229\u8655\u65b9\u4fdd\u96aa\u7684\u90a3\u4e00\u5e74\u90a3\u4e00\u6708\u4efd\u958b\u59cb\u8a08\u7b97\u81f3\u60a8\u5ef6\u9072\u767b\u8a18\u751f\u6548\u5f8c\u7684\u524d\u4e00\u500b\u6708\uff0c\u7e3d\u8a08\u6162\u5e7e\u500b\u6708\uff0c\u4f86\u8a08\u7b97\u7f70\u91d1\u800c\u6b64\u7f70\u91d1\u6703\u52a0\u5728\u6bcf\u500b\u6708\u7684\u4fdd\u8cbb\uff0c\u4e00\u76f4\u8ddf\u8457\u60a8\uff0c\u53ea\u8981\u60a8\u4ecd\u6709\u806f\u90a6\u793e\u6703\u798f\u5229\u8655\u65b9\u4fdd\u96aa\uff0c\u8209\u4f8b\u5982\u4e0b\uff1a<\/p>\n

\u5982\u6295\u4fdd\u4eba\u57282014\u5e746\u6708\u5373\u7b26\u5408\u8cc7\u683c\u800c\u6c92\u7533\u8acb\u767b\u8a18\u53c3\u52a0\u806f\u90a6\u793e\u6703\u798f\u5229\u8655\u65b9\u4fdd\u96aa (Medicare Part D) \uff0c\u76f4\u52302017\u5e741\u67081\u65e5\u767b\u8a18\u751f\u6548\uff0c\u7f70\u91d1\u5247\u5f9e\u61c9\u7b26\u5408\u8cc7\u683c\u76842014\u5e747\u6708\u7d2f\u8a08\u81f32016\u5e74\u768412\u6708\uff0c\u7e3d\u5171\u5ef6\u9072\u4e8630\u500b\u6708\uff0c\u800c2017\u5e74\u7684\u5168\u570b\u5e73\u5747\u6708\u4fdd\u8cbb\u662f$35.63\uff0c\u7f70\u91d1\u662f\u5f9e\u7576\u5e74\u7684\u5e73\u5747\u6708\u4fdd\u8cbb\u76841%\u518d\u4e58\u4e0a\u7a4d\u6b20\u7684\u6708\u6578\uff0c\u8a72\u6295\u4fdd\u4eba\u7684\u6708\u4fdd\u8cbb\u6bcf\u500b\u6708\u5fc5\u9808\u591a\u4ed8\u7f70\u91d1\uff0c\u76f4\u5230\u6c92\u6709\u4fdd\u96aa\u70ba\u6b62\u3002<\/p>\n

$35.63×0.01=$0.35630×30=10.68\u2192$10.70\u6bcf\u6708\u52a0\u7f70\u7684\u4fdd\u8cbb\u91d1\u984d<\/p>\n

\u5207\u8a18\u5982\u60a8\u5df2\u7b26\u5408\u8cc7\u683c\u53c3\u52a0\u806f\u90a6\u653f\u5e9c\u91ab\u7642\u7167\u9867\u8655\u65b9\u798f\u5229\u4fdd\u96aa\u5c31\u61c9\u99ac\u4e0a\u767b\u8a18\u53c3\u52a0\uff0c\u5373\u751f\u65e5\u7684\u524d\u4e09\u500b\u6708\u81f3\u5f8c\u9762\u4e09\u500b\u6708\u4e00\u5b9a\u8981\u7533\u8acb\u907f\u514d\u53d7\u7f70\u3002<\/p>\n

\u203b\u5982\u679c\u60a8\u662f\u4f4e\u6536\u5165\u6236\uff0c\u53ef\u7533\u8acb\u8655\u65b9\u798f\u5229\u4fdd\u96aa\u201c\u984d\u5916\u88dc\u52a9\u201d\u3002\u4f4e\u6536\u5165\u6236\u7684\u8cc7\u683c\u70ba\u57282017\u5e74<\/p>\n

\u55ae\u8eab\u5e74\u6536\u5165\u5728\u7f8e\u91d1$18,090\u4ee5\u4e0b<\/p>\n

\u592b\u5a66\u5e74\u6536\u5165\u5728\u7f8e\u91d1$24,360\u4ee5\u4e0b<\/p>\n

\u800c\u4e14\u8ca1\u529b\u9650\u5236 (\u6263\u9664\u4e00\u9593\u623f\u5c4b\u3001\u4e00\u90e8\u6c7d\u8eca\u3001\u548c\u55aa\u846c\u57fa\u91d1\u6bcf\u4eba$1500\u53ca\u4eba\u58fd\u96aa\u5916\uff0c\u9280\u884c\u6236\u984d\u53ca\u6295\u8cc7\u5e33\u6236\u7684\u7e3d\u503c)<\/p>\n

\u55ae\u8eab\u4e0d\u8d85\u904e\u7f8e\u91d1$13,820\u7f8e\u5143<\/p>\n

\u592b\u5a66\u4e0d\u8d85\u904e\u7f8e\u91d1$27,600\u7f8e\u5143<\/p>\n

\u6b32\u77e5\u81ea\u5df1\u80fd\u4e0d\u80fd\u5408\u4e4e\u4f4e\u6536\u5165\u6236\u7684\u8cc7\u683c\uff0c\u53ef\u96fb\u793e\u6703\u798f\u5229\u5c401-800-772-1213\u3002<\/p>\n

2017\u5e74\u7b26\u5408\u984d\u5916\u88dc\u52a9\u7684\u6c11\u773e\uff0c\u5b78\u540d\u85e5\u53ea\u9808\u4ed8$3.35\u5143\uff0c\u5546\u54c1\u540d\u7684\u85e5\u53ea\u9808\u4ed8$8.35\u5143\u3002<\/p>\n

\u203b\u5982\u679c\u60a8\u7b26\u5408\u4f4e\u6536\u5165\u7684\u8cc7\u683c\uff0c\u91ab\u7642\u88dc\u52a9 (Medicaid)\u6703\u5e6b\u60a8\uff1a<\/p>\n

    \n
  1. \u4f9d\u7167\u60a8\u7684\u6536\u5165\u548c\u8cc7\u7522\uff0c\u652f\u4ed8\u5168\u90e8\u6216\u90e8\u4efd\u57fa\u672c\u4fdd\u96aa\u7684\u6708\u4fdd\u8cbb (Premium)\uff1b\u5982\u679c\u60a8\u9078\u64c7\u6bd4\u8f03\u597d\u3001\u6708\u4fdd\u8cbb\u6bd4\u8f03\u9ad8\u7684\u4fdd\u96aa\u8a08\u5283\uff0c\u60a8\u5c31\u5fc5\u9808\u652f\u4ed8\u90e8\u4efd\u6708\u4fdd\u8cbb\u3002<\/li>\n
  2. \u5e6b\u52a9\u60a8\u652f\u4ed8\u5e74\u5ea6\u7684\u6263\u62b5\u984d (Deductible)\u3002<\/li>\n
  3. \u5e6b\u52a9\u60a8\u4ed8\u8655\u65b9\u7684\u81ea\u4ed8\u984d (Co-payment) \uff0c\u5982\u679c\u60a8\u8cb7\u7684\u85e5\u4e0d\u5728\u4fdd\u96aa\u516c\u53f8\u7684\u8655\u65b9\u85e5\u6e05\u55ae\u4e2d\uff0c\u60a8\u8981\u4ed8\u64d4\u5168\u90e8\u85e5\u50f9\u3002<\/li>\n
  4. \u5e6b\u52a9\u60a8\u652f\u4ed8\u751c\u9905\u5708\u6d1e (Donut Hole\uff0c$13000) \u7684\u8cbb\u7528\u3002<\/li>\n
  5. \u6c92\u6709\u56e0\u5ef6\u9072\u767b\u8a18\u53c3\u52a0\u8655\u65b9\u798f\u5229\u4fdd\u96aa\u7684\u7f70\u6b3e\u3002<\/li>\n
  6. \u4efb\u4f55\u6642\u9593\u53ef\u4ee5\u66f4\u63db\u4fdd\u96aa\u8a08\u5283\uff0c\u8b8a\u66f4\u5f8c\u5728\u9694\u6708\u7684\u4e00\u65e5\u5373\u751f\u6548\u3002<\/li>\n<\/ol>\n

    \u203b\u5728\u60a8\u6536\u5230\u91ab\u7642\u7167\u9867\u8655\u65b9\u4fdd\u96aa\u5361\u4ee5\u524d\uff0c\u5982\u679c\u60a8\u9700\u8981\u8655\u65b9\u85e5\u54c1\uff0c\u8981\u5982\u4f55\u8655\u7406\uff1f\u4e00\u822c\u5728\u60a8\u767b\u8a18\u52a0\u5165\u4fdd\u96aa\u8a08\u5283\u5f8c\u4e00\u500b\u661f\u671f\u5de6\u53f3\u5c31\u6703\u6536\u5230\u4fdd\u96aa\u516c\u53f8\u7684\u901a\u77e5\uff0c\u8868\u793a\u6536\u5230\u60a8\u7684\u7533\u8acb\u66f8\uff1b\u4e09\u81f3\u4e94\u500b\u661f\u671f\u5f8c\uff0c\u60a8\u61c9\u8a72\u6703\u6536\u5230\u6b61\u8fce\u60a8\u52a0\u5165\u8a72\u4fdd\u96aa\u8a08\u5283\u7684\u4fe1\u4ef6\u4ee5\u53ca\u8655\u65b9\u4fdd\u96aa\u5361\u3002<\/p>\n

    \u203b\u5047\u5982\u60a8\u5df2\u6709\u806f\u90a6\u91ab\u7642\u7167\u9867\u798f\u5229\u4fdd\u96aa\uff0c\u800c\u53c8\u6709\u4ee5\u4e0b\u4efb\u4f55\u60c5\u6cc1\uff0c\u806f\u90a6\u653f\u5e9c\u6703\u4e3b\u52d5\u7d66\u60a8\u8655\u65b9\u798f\u5229\u4fdd\u96aa\u7684\u201c\u984d\u5916\u88dc\u52a9\u201d\uff1a<\/p>\n

      \n
    1. \u60a8\u6709\u5b8c\u5168\u7684\u91ab\u7642\u88dc\u52a9(MEDICAID)\u4fdd\u969c<\/li>\n
    2. \u60a8\u7372\u5f97\u5dde\u653f\u5e9c\uff0c\u5e6b\u60a8\u4ed8\u806f\u90a6\u91ab\u7642\u7167\u9867\u798f\u5229\u4fdd\u96aaB PART\u7684\u4fdd\u8cbb<\/li>\n
    3. \u60a8\u6709\u88dc\u52a9\u5b89\u5bb6\u6536\u5165 Supplemental Security Income (SSI)\u7684\u798f\u5229\u3002<\/li>\n<\/ol>\n

      \u793e\u6703\u798f\u5229\u5c40\u6703\u5bc4\u7d66\u60a8\u4e00\u5c01\u7d2b\u8272\u7684\u4fe1\uff0c\u544a\u8a34\u60a8\u5408\u4e4e\u201c\u984d\u5916\u88dc\u52a9\u201d\uff0c\u8acb\u59a5\u5584\u4fdd\u7ba1\u6b64\u4fe1\u3002<\/p>\n

        \n
      1. \u60a8\u6709\u984d\u5916\u88dc\u52a9\u7684\u8cc7\u683c\uff0c\u800c\u60a8\u4ecd\u672a\u53c3\u52a0\u806f\u90a6\u8655\u65b9\u4fdd\u96aa\u8a08\u5283\u7684\u767b\u8a18\uff0c\u793e\u6703\u798f\u5229\u5c40\u6703\u5bc4\u7d66\u60a8\u4e00\u5c01\u9ec3\u8272\u6216\u7da0\u8272\u7684\u4fe1\uff0c\u544a\u8a34\u60a8\u5df2\u5e6b\u60a8\u767b\u8a18\u5728\u67d0\u4e00\u500b\u8655\u65b9\u798f\u5229\u4fdd\u96aa\u8a08\u5283\u548c\u90a3\u4e00\u5929\u751f\u6548\u7684\u901a\u77e5\u66f8\u3002<\/li>\n
      2. \u5047\u5982\u60a8\u4e0d\u6eff\u610f\u76ee\u524d\u7684\u8655\u65b9\u798f\u5229\u4fdd\u96aa\u8a08\u5283\uff0c\u60a8\u53ef\u4ee5\u96a8\u6642\u7533\u8acb\u8b8a\u66f4\uff0c\u5728\u6b21\u6708\u4e00\u65e5\u65b0\u4fdd\u96aa\u8a08\u5283\u99ac\u4e0a\u751f\u6548\u3002<\/li>\n<\/ol>\n

        \u203b\u5047\u5982\u60a8\u53bb\u85e5\u5c40\u9818\u85e5\uff0c\u4f46\u662f\u8655\u65b9\u4fdd\u96aa\u5361\u5c1a\u672a\u6536\u5230\uff0c\u60a8\u5fc5\u9808\u651c\u5e36\u4e0b\u5217\u6587\u4ef6\uff1a<\/p>\n

          \n
        1. \u4fdd\u96aa\u516c\u53f8\u5bc4\u7d66\u60a8\u7684\u6536\u5230\u60a8\u7684\u7533\u8acb\u66f8\u7684\u901a\u77e5\u3002<\/li>\n
        2. \u4fdd\u96aa\u516c\u53f8\u7d66\u60a8\u7684\u78ba\u8a8d\u767b\u8a18\u865f\u78bc\uff0c\u4ee5\u53ca\u4fdd\u96aa\u8a08\u5283\u7684\u540d\u7a31\u548c\u96fb\u8a71\u865f\u78bc\u3002<\/li>\n
        3. \u60a8\u9084\u8981\u651c\u5e36\u60a8\u7684\u91ab\u7642\u7167\u9867\u5361\u548c (\u6216) \u91ab\u7642\u88dc\u52a9\u5361\uff0c\u5176\u4ed6\u8655\u65b9\u85e5\u54c1\u7684\u53d6\u85e5\u4fdd\u969c\u8b49\u660e\u548c\u8eab\u5206\u8b49 (\u5982\u99d5\u99db\u57f7\u7167)<\/li>\n<\/ol>\n

          \u5982\u4ee5\u4e0a\u8b49\u4ef6\u5747\u9f4a\u5099\uff0c\u800c\u85e5\u5c40\u7684\u5de5\u4f5c\u4eba\u54e1\u4ecd\u7121\u6cd5\u8b93\u60a8\u4eab\u6709\u4fdd\u96aa\u7684\u798f\u5229\u6642\uff0c\u60a8\u53ef\u4ee5\u5148\u4ed8\u73fe\u91d1\uff0c\u518d\u62ff\u6536\u64da\u7d66\u60a8\u7684\u4fdd\u96aa\u516c\u53f8\u8acb\u6b3e\u3002<\/p>\n

          \u203b\u4eca\u5e74Medicare Part A\u7684\u4fdd\u8cbb\u5982\u4e0b\uff1a(A)\u5047\u5982\u60a8\u6216\u914d\u5076\u5de5\u4f5c\u8d85\u904e40\u500b\u7a4d\u9ede\uff0c\u793e\u6703\u798f\u5229\u5c40\u6703\u4f9d\u5f80\u4f8b\u5f9e\u793e\u6703\u798f\u5229\u91d1\u6263\u9664\u4fdd\u8cbb\u4f7f\u60a8\u4eab\u6709Medicare Part A \u548cB\u7684\u4fdd\u96aa\uff1b(B)\u5047\u5982\u60a8\u9808\u8cb7Medicare Part A \u7684\u4fdd\u96aa\u6216\u5de5\u4f5c\u7a4d\u9ede30\u4ee5\u4e0b\uff0c\u5247\u9808\u7e73$422($413\u57282017)\uff0c\u5982\u5de5\u4f5c\u7a4d\u9ede\u572830-39\u4e4b\u9593\uff0c\u5247\u9808\u7e73$232($227\u57282017)<\/p>\n

          \u203b\u4eca\u5e742018 Medicare Part B\u4fdd\u8cbb\u5982\u4e0b\uff1a\u5e74\u6536\u5165\u55ae\u8eab\u5728$85,000 \u4ee5\u4e0b\uff0c\u592b\u5a66\u5728$170,000\u4ee5\u4e0b\uff0c\u9808\u7e73\u6a19\u6e96\u4fdd\u8cbb$134.00\uff0c\u4f46\u5982\u7531\u793e\u6703\u798f\u5229\u91d1\u6263\u9664Medicare B\u4fdd\u8cbb\uff0c\u8981\u7e73\u4ea4$130.00\u7684\u4fdd\u8cbb\u5373\u53ef\u3002\u5982\u5e74\u6536\u5165\u55ae\u8eab\u5728$85,000-107,000\u4e0b\uff0c\u592b\u5a66\u5728$170,000-214,000\u6216\u4ee5\u4e0b\uff0c\u9808\u7e73$187.50\u6708\u4fdd\u8cbb\uff1b<\/p>\n

          \u55ae\u8eab\u5728$107,000-133,500\u592b\u5a66\u5728214,000-267,000\u9808\u7e73$267.90<\/p>\n

          \u55ae\u8eab\u5728$133,500-160,000\u592b\u5a66\u5728267,000-320,000\u9808\u7e73$348.30<\/p>\n

          \u55ae\u8eab\u6536\u5165\u8d85\u904e$160,000\u592b\u5a66\u6536\u5165\u8d85\u904e$320,000\u9808\u7e73$428.60<\/p>\n

          \u5982\u60a8\u9818\u6709\u793e\u6703\u798f\u5229\u91d1\uff0c\u5247\u6708\u4fdd\u8cbb\u901a\u5e38\u5f9e\u793e\u6703\u798f\u5229\u91d1\u6263\u9664\u3002<\/p>\n

          2018\u5e74Medicare Part B\u7684 Deductible (\u6263\u9664\u984d) $183<\/p>\n

          \u203b\u4e00\u822c\u60c5\u6cc1\uff0c\u6bcf\u5e74\u572810\u670815\u65e5\u81f312\u67087\u65e5\u767b\u8a18\u6216\u8b8a\u66f4\u4fdd\u96aa\u5f8c\uff0c\u4e00\u5e74\u5167\u4e0d\u80fd\u6539\u8b8a\u4fdd\u96aa\u8a08\u5283\uff0c\u9664\u975e\u6709\u4e0b\u5217\u60c5\u6cc1\uff1a<\/p>\n

            \n
          1. \u5047\u5982\u4f60\u642c\u5bb6\u5f8c\uff0c\u4f60\u539f\u4f86\u7684\u4fdd\u96aa\u6c92\u6709\u670d\u52d9\u5230\u4f60\u7684\u65b0\u4f4f\u5740\uff1b<\/li>\n
          2. \u5047\u5982\u4f60\u6709\u793e\u6703\u798f\u5229 (Medicare) \u548c\u793e\u6703\u88dc\u52a9 (Medicaid) \u96d9\u91cd\u7684\u798f\u5229\uff1b<\/li>\n
          3. \u5047\u5982\u4f60\u7b26\u5408\u4f4e\u6536\u5165\u8cc7\u683c\uff0c\u4e14\u7533\u8acb\u5f97\u5230\u984d\u5916\u88dc\u52a9\uff1b<\/li>\n
          4. \u5047\u5982\u4f60\u4f4f\u5728\u8001\u4eba\u4e4b\u5bb6 (\u5982 Nursing Home)\u3002<\/li>\n<\/ol>\n

            \u203b\u7b26\u5408\u7533\u8acb\u793e\u6703\u798f\u5229\u5065\u5eb7\u4fdd\u96aa\u88dc\u52a9\uff08\u5373Medicare\uff09\u7684\u8cc7\u683c\uff0c\u6bcf\u4e00\u5dde\u898f\u5b9a\u4e0d\u540c\uff0c\u60a8\u7684\u6536\u5165\u548c\u8ca1\u529b\u9650\u5236\uff0c\u6709\u4e00\u5b9a\u7684\u984d\u5ea6\uff0c\u4e14\u5404\u5dde\u7684\u898f\u5b9a\u4e0d\u540c\u3002\u9808\u81ea\u5df1\u56de\u6240\u5728\u5730\u7684\u5dde\u653f\u5e9c\u67e5\u8a62\uff0c\u662f\u5426\u5408\u4e4e\u7533\u8acb\u88dc\u52a9\u7684\u8cc7\u683c\u3002<\/p>\n

            \u203b\u5047\u5982\u60a8\u5df2\u53c3\u52a0 Medicare ADVANTAGE PLAN(\u806f\u90a6\u793e\u6703\u798f\u5229\u512a\u60e0\u4fdd\u96aa\u5982HMO\u3001PPO\u5747\u542b\u6709\u8655\u65b9\u4fdd\u96aa\u5728\u5167)\u60a8\u5c31\u4e0d\u80fd\u53c3\u52a0Medicare Supplemental Insurance\u6216MEDIGAP (\u806f\u90a6\u793e\u6703\u798f\u5229\u88dc\u511f\u4fdd\u96aa) \uff0c\u800cMEDIGAP \u50c5\u4fdd\u500b\u4eba\uff0c\u592b\u59bb\u5fc5\u9808\u500b\u5225\u6295\u4fdd\u3002<\/p>\n

            \u203bMedicare Part A \u548cB\u4e26\u4e0d\u4fdd\u60a8\u5728\u570b\u5916\u7684\u4fdd\u96aa\uff0c\u6240\u4ee5\u60a8\u8981\u662f\u5e38\u51fa\u570b\u65c5\u884c\u6700\u597d\u8cb7\u6709\u4fdd\u969c\u60a8\u5230\u570b\u5916\u65c5\u884c\u6642\u7684Medicare Supplemental Insurance (MEDIGAP)\u3002<\/p>\n

            \u203b\u6700\u597d\u7684\u6642\u6a5f\u53c3\u52a0Medicare Supplemental Insurance(\u806f\u90a6\u793e\u6703\u806f\u90a6\u793e\u6703\u798f\u5229\u88dc\u511f\u4fdd\u96aa)\uff0c<\/p>\n

            \u5728\u60a8\u53c3\u52a0Medicare Part B\u5f8c\u516d\u500b\u6708\u5167\u6703\u6bd4\u8f03\u4fbf\u5b9c\uff0c\u516d\u500b\u6708\u5f8c\u4fdd\u8cbb\u53ef\u80fd\u6703\u8f03\u591a\u3002<\/p>\n

            \u203b\u5047\u5982\u60a8\u5df2\u7b26\u5408\u7533\u8acb\u767b\u8a18Medicare Part A\u548cB\u7684\u8cc7\u683c\uff0c\u800c\u672c\u8eab\u53c8\u6c92\u6709\u5de5\u4f5c\u56db\u5341\u500b\u7a4d\u9ede\uff0c\u5982\u6c92\u6309\u671f\u53c3\u52a0(\u7b26\u5408\u8cc7\u683c\u7684\u524d\u5f8c\u4e09\u500b\u6708)\u7533\u8acb\u767b\u8a18\u53c3\u52a0\uff0c\u5247\u6703\u88ab\u8655\u4ee5\u4e0d\u540c\u7684\u7f70\u91d1\u3002<\/p>\n

            Medicare Part A\u548cPart B\u4e00\u822c\u662f\u52a0\u7f7010%\u7684\u6708\u4fdd\u8cbbMedicare Part A\u7684\u7f70\u91d1\u671f\u9650\u8f03\u77ed\uff0c\u901a\u5e38\u7f70\u60a8\u5ef6\u9072\u767b\u8a18\u671f\u9593\u7684\u5169\u500d\uff0c\u5982\u60a8\u5ef6\u9072\u5169\u5e74\u6c92\u53c3\u52a0\u767b\u8a18Medicare Part A\uff0c\u5247\u7f70\u6b3e\u671f\u9593\u70ba\u56db\u5e74\u3002<\/p>\n

            Medicare Part B\u662f\u6bcf12\u500b\u6708\u52a0\u7f7010%\u7684\u6708\u4fdd\u8cbb\u7f70\u91d1\u4e14\u7d2f\u8a08\u6bcf12\u500b\u6708\u589e10%\u7684\u7f70\u91d1\uff0c\u5982\u60a8\u5ef6\u907230\u500b\u6708 (\u5169\u5e74\u516d\u500b\u6708) \u60a8\u7684\u7f70\u91d1\u7f7020%\u7684\u6708\u4fdd\u8cbb (\u5169\u5e74\u8a08) \uff0c\u4f46\u662f\u7d42\u8eab\u7f70\u6b3e\u3002<\/p>\n

            \u203b\u5047\u5982\u60a8\u5728\u7b26\u5408\u8cc7\u683c\u80fd\u7533\u8acb\u767b\u8a18\u53c3\u52a0Medicare Part A\u548cPart B\u7684\u4e03\u500b\u6708\u671f\u9593(\u751f\u65e5\u524d\u4e09\u500b\u6708\u53ca\u5f8c\u4e09\u500b\u6708)\u61c9\u7533\u8acb\u4f46\u6c92\u6709\u7533\u8acb\uff0c\u5247\u53ef\u5728\u6bcf\u5e74\u76841\u67081\u65e5\u548c3\u670831\u65e5\u88dc\u7533\u8acb\uff0c\u7576\u5e74\u76847\u67081\u65e5\u624d\u80fd\u751f\u6548\u4f46\u8655\u4ee5\u7f70\u91d1\u3002<\/p>\n

            \u203bMedicare Part D (\u806f\u90a6\u793e\u6703\u798f\u5229\u8655\u65b9\u4fdd\u96aa) \u7684\u6708\u4fdd\u8cbb\u4eca\u5e74\u7565\u6709\u8abf\u964d\u96a8\u8457\u60a8\u7684\u6536\u5165\u589e\u52a0 (\u7d1a\u6578\u548cMedicare Part B\u4e00\u6a23) \u60a8\u7684\u6708\u4fdd\u8cbb\u9664\u4e86\u57fa\u672c\u7684\u6708\u4fdd\u8cbb\u9084\u8981\u52a0\u4e0a\u9ad8\u6536\u5165\u7684\u9644\u52a0\u8cbb (\u5f9e\u5169\u5e74\u524d\u60a8\u7533\u5831IRS\u7684\u6536\u5165) \u800c\u6709\u9644\u52a0$13.00\uff0c$33.60\uff0c$54.20\uff0c$74.80\u7684\u6708\u4fdd\u8cbb\u3002<\/p>\n

            \u203b\u90a3\u4e9b\u9805\u76eePart A \u548cPart B\u4e0d\u7d66\u4ed8\uff1f<\/p>\n

            *\u5927\u90e8\u5206\u7684\u7259\u9f52\u9810\u9632\u4fdd\u5065\u3002<\/p>\n

            *\u6709\u95dc\u8655\u65b9\u773c\u93e1\u548c\u773c\u775b\u6aa2\u67e5\u3002<\/p>\n

            *\u5047\u7259\u7684\u88dd\u914d\u548c\u88dc\u7259\u7684\u6cbb\u7642\u3002<\/p>\n

            *\u7f8e\u5bb9\u6574\u5f62\u5916\u79d1\u624b\u8853\u3002<\/p>\n

            *\u91dd\u7099\u3002<\/p>\n

            *\u8033\u6735\u52a9\u807d\u5668\u548c\u88dd\u8033\u6735\u52a9\u807d\u5668\u7684\u6aa2\u67e5\u3002<\/p>\n

            *\u9577\u671f\u7167\u8b77\u3002<\/p>\n

            \u64b0\u7a3f\u4eba\uff1a\u6881\u7fa9\u5927\u85e5\u5291\u5e2b\uff0c\u5de8\u4eba\u9023\u9396\u85e5\u5c40\u7d93\u7406\u9000\u4f11\u3001\u5317\u7f8e\u6d32\u53f0\u7063\u9109\u89aa\u806f\u8abc\u6703\u7e3d\u6703\u9577\u3001\u5168\u7f8e\u53f0\u7063\u540c\u9109\u806f\u8abc\u6703\u7b2c\u4e8c\u5341\u516b\u5c46\u6703\u9577\u3001\u53f0\u4e2d\u4e00\u4e2d\u5927\u83ef\u5e9c\u5730\u5340\u6821\u53cb\u6703\u524d\u6703\u9577\u3002<\/p>\n

            \"\"<\/a>\u6881\u4e49\u5927(\u5de6)\u4e0e\u524d\u4e2d\u56fd\u9a7b\u7f8e\u5927\u4f7f\u5d14\u5929\u51ef\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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