还工作,钱不紧买PPO,雇住也付的多;退休你的学习先搞清楚(65后)Medicare 体系再说

本帖于 2026-03-07 21:08:28 时间, 由普通用户 胡雪盐8 编辑

 

  • Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
  • Part B (Medical Insurance): Covers certain doctors' services, outpatient care, medical supplies, and preventive services. Together, Parts A and B are known as Original Medicare.
  • Part C (Medicare Advantage): An "all-in-one" alternative to Original Medicare offered by private companies like Aetna or UnitedHealthcare. It bundles Parts A, B, and usually D, often providing extra benefits like vision or dental.
  • Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs. These plans are run by private insurance companies that follow rules set by Medicare.

 

 

Letter Type What it Covers Provided By
Part A Core Hospital/Inpatient care Federal Government
Part B Core Doctor visits/Outpatient care Federal Government
Part C Bundle Alternative to A & B; usually includes D Private Insurer
Part D Specific Prescription drugs Private Insurer
Plan G Supplement "Gaps" like coinsurance and Part A deductible Private Insurer

所有跟帖: 

PPO 有PPO 500, PPO 1000, PPO 2000; 年轻身体好可以买PPO 2000, -胡雪盐8- 给 胡雪盐8 发送悄悄话 胡雪盐8 的博客首页 (42 bytes) () 03/07/2026 postreply 21:16:23

还工作,身体好,HMO好, 还能投HSA。。。。 -zhenleilren1- 给 zhenleilren1 发送悄悄话 (0 bytes) () 03/07/2026 postreply 21:17:31

HMO生大病;选择医生很有限;是赌 -胡雪盐8- 给 胡雪盐8 发送悄悄话 胡雪盐8 的博客首页 (60 bytes) () 03/07/2026 postreply 21:21:36

指65岁前提早退休的话,还没用到Medicare -windyLL- 给 windyLL 发送悄悄话 (0 bytes) () 03/07/2026 postreply 21:23:04

比较一下两大家的 -胡雪盐8- 给 胡雪盐8 发送悄悄话 胡雪盐8 的博客首页 (0 bytes) () 03/07/2026 postreply 21:25:44

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