很多说很多医生不收Medicare的，大概用的是Medicare Advantage吧
Cannot be far from truth. I would say Obamacare is prone to have this issue. NOT Medicare Advantage.
Medigap的口服药是Part D支付。目前没有支付上限，对某些极贵的药，自付可达上万甚至更多。Medicare Advantage因为有支付上限，可能会便宜点。
Medicare Plan D 2023 自付上限 is $7400
As has been the case in previous years, the thresholds where a person enters and exits the “donut hole” increased in 2023. We’ll explain this in more detail below, but the short story is that the initial coverage limit increased to $4,660, and the threshold for exiting the donut hole and entering the catastrophic coverage level increased to $7,400.
https://www.medicareresources.org/faqs/are-there-changes-in-the-medicare-part-d-prescription-drug-coverage-this-year/
较健康时选Advantage可能便宜些，但是得了大病可能就换不了MediGap了，除了少数州可以随时换外
Dont understand this logic. What diseases covered are determined by Medicare - does not matter what plan you choose. The tricky part is on the Treatments. Medicare does not cover some treatments when lower cost treatments are just as effective.
For example, cataract operation - Laser is not covered. However a good othomologist would tell you there is NO DIFFERENCE or obvious advantage from the Laser option. That was her words almost Verbatim - Laser is used to break up the cataract, it is still ME who manually, surgically, remove those pieces. Medicare covers 100% the traditional procedure. Additional advanced evaluation by euipment before surgery is not covered. This doctor charges $400 for the pre-op examination using specialized equipment. That $400 is not covered. But the $250 Flexi spend $ can be used to pay for that. Facility used to perform the surgery has $40 copay each usage. The whole operation costed 2x $40.
加州的Kaiser计划每个county不同，我们所在地区是每月20元，不知道别的地方会200元这么高还是你的信息有误。
Correct. My long post already said that the premium is determined by the county you live in. You can only get the plans offered within your county. The premium of $200 was told by our friend who we kept thinking his additional premium was too high that he should ask his daughter to go over it. But he insisted his was Advantage Plan he had. He said it was directly switched from the work coverage to Medicare Advantage (years ago and he never looked back or looked into details).
May be his is a ppo that I am not sure. To me, ppo does not offer advantage over hmo - key is to carefully choose your PCP and then your specialists.
Another friend in Chicago also pays $200+ prem a month. They (both husband and wife) do not want to change their plan.
选择Medicare不需要agent，但是用agent没有另外收费，能帮助办手续和帮助解释政策，还是方便很多。
Totally agree! 
But hhtt first reply was to question me whether I was an agent - as if anybody gives information "for free" must have some hidden agenda - typical Chinese thought process.
选择“Disable on www.wenxuecity.com”
选择“don't run on pages on this domain”
