Medicare b 的缴费每月最多$850元，包括irmaa 部分

In 2025, the Medicare Part B premium is expected to increase, with some estimates suggesting that the standard premium will be $185 per month. However, the amount a person pays will depend on their income and filing status, and is calculated using their tax returns from two years prior. The income-related monthly adjustment amount (IRMAA) brackets for 2025 are: 

• Single 

  $131,000–$163,000: $369.90, $163,000–$196,000: $480.80, $196,000–$500,000: $591.90, > $500,000: $628.90 
• Couple MAGI 

  $262,000–$326,000: $369.90, $326,000–$392,000: $480.80, $392,000–$750,000: $591.90, > $750,000: $628.90 

   

再者Medicare advantage 是等于加了second/complementary insurance, 自付费会减少很多。公司资助的advantage plan 看公司出多少，公司出的越多，病人自己出的越少。我们公司根据工龄，退休后最多一年资助$2万，基本用不完。基本上我们的退休员工看病不付钱，连挂号费，急诊 urgent care, 急救都不付一分钱的, 与还在上班的人一样。一年out of pocket 最多$500。

所有跟帖： 

• 在职员工每个月付多少？现在科技大厂和金融公司，大部分员工都选High deductible -新年2012- ♀ (46 bytes) () 09/22/2024 postreply 19:43:00

• 无月费，看病时基本不付钱。可自选医生，ppo -commonsense888- ♂ (0 bytes) () 09/22/2024 postreply 20:32:16

• medicare advantage 楼下群友的理解有错误 -ZeroSumGame- ♀ (0 bytes) () 09/22/2024 postreply 21:23:07

• 这么贵啊？感觉还会越来越贵 -新年2012- ♀ (0 bytes) () 09/23/2024 postreply 05:27:48

• Out of pocket是我们保险合同的条文,$2万补贴是买保险用的，medicare 最高premium 要不了的 -commonsense888- ♂ (116 bytes) () 09/23/2024 postreply 05:42:41

• Medicare 有out of pocket $500的选择吗？ -新年2012- ♀ (66 bytes) () 09/23/2024 postreply 06:17:13

• 这个就是自己公司提供的medigap 保险了 -自了汉- ♂ (0 bytes) () 09/23/2024 postreply 14:45:41