Medicare 不断加码的，A，B,C,D,G 就是实际钱一直在减少。富人交的多

 

 

 

Original Medicare: Parts A & B (1965)

These two parts were the foundation of the program and are still managed directly by the federal government. 

Centers for Medicare & Medicaid Services | CMS (.gov) +1

• Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
• Part B (Medical Insurance): Covers doctor visits, outpatient services, preventive care, and durable medical equipment. 
  Congress.gov +2

 

The Evolution of Private Options: Part C (1982–1997) 

• 1982: The Tax Equity and Fiscal Responsibility Act (TEFRA) first allowed Medicare to contract with private health plans.
• 1997: The Balanced Budget Act formally established Medicare+Choice (now Part C), allowing beneficiaries to receive their A and B benefits through private insurers.
• 2003: Renamed to Medicare Advantage under the Medicare Modernization Act. These plans often bundle hospital, medical, and drug coverage into one package. 
  National Institutes of Health (.gov) +6

 

Prescription Drug Coverage: Part D (2003)

• 2003: Signed into law by President George W. Bush as part of the Medicare Modernization Act (MMA).
• 2006: Coverage officially went into effect. It is a voluntary program offered by private insurance companies to help cover the cost of outpatient prescription drugs. 
  Centers for Medicare & Medicaid Services | CMS (.gov) +4

 

Supplementing the Gaps: Plan G (Medigap)

Medicare Supplement (Medigap) plans were standardized by the Omnibus Budget Reconciliation Act of 1990 to ensure consumers could easily compare policies from different insurers. 

Congress.gov +3

• Plan G has become the most popular Medigap plan for new enrollees because it covers all out-of-pocket costs of Original Medicare (deductibles, copays, and coinsurance) except for the Part B deductible.
• 2020 Milestone: Following a 2015 law (MACRA), Plan G became the "gold standard" for new beneficiaries as Plan F (which covered the Part B deductible) was phased out for those newly eligible for Medicare.

 

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2026 Cost Estimates (Per Couple)

 

Category	Standard (Income ≤$218k)	High Income (Income >$750k)
Medicare Part B	$4,870	$16,558
Medigap Plan G	$3,600 – $4,800*	$3,600 – $4,800*
Medicare Part D	$828 (Avg.)	$3,012
Annual Deductibles	$566	$566
Total Annual Cost	~$9,800 – $11,000	~$23,700 – $24,900