补充你的医疗保险的方法
There are a number of ways to fill gaps in your Medicare coverage and/or to get assistance with Medicare 成本:
- 就业保险: 如果你或你的配偶还在工作, 而且你有这份工作的保险, it may work with Medicare to cover your health care 成本. You should find out whether your employer insurance is primary or secondary to Medicare. Primary insurance is health insurance that pays first on a claim for care. Secondary insurance pays after primary insurance—but may not pay at all in the absence of primary insurance.
- 退休保险: Some employers provide health insurance to retirees and their spouses to fill in the gaps of Medicare coverage. Retiree insurance always pays secondary to Medicare.
- 退伍军人事务(VA)福利: If you are a veteran and qualify for VA benefits, health care and prescription drugs that you get through the VA may be the cheapest. The VA may also cover services that Medicare will not cover for you. 退伍军人福利与医疗保险不兼容, and if you receive care outside of a VA facility you might need Medicare. Medicare does not pay for any care at a VA facility.
- 补充保险(Medigap): A Medigap policy provides insurance through a private insurance company and helps fill the cost-sharing gaps in Original Medicare, for instance by helping pay for Medicare deductibles, 共同保险, 和共同支付. 这取决于你住在哪里, you have up to 10 different Medigap plans to choose from: A, B, C, D, F, G, K, L, M, 和N. (Note that plans in Wisconsin, Massachusetts, and Minnesota have different names.) Each type of Medigap offers a different set of benefits. Premiums vary, depending on the plan you choose and the company you buy it from.
- Stand-alone Medicare private drug plan (Part D): If you have Original Medicare and want Medicare drug coverage, you need to sign up for a private drug plan (PDP). All Medicare drug plans have different 成本 and a different list of drugs that they cover (known as the formulary). Make sure the plan you choose covers the drugs you need at a cost you can afford. Also know that if you do not sign up for a Part D plan when you first become eligible, 以后你可能会被罚款.
- 医疗保险优势计划: These plans contract with the federal government to provide Medicare benefits. They must provide at least the same set of benefits offered by Original Medicare, 但可能有不同的规则, 成本, 和限制. 例如, Medicare Advantage Plans may require that you see health care providers in their network, and/or that you get a referral from your doctor before seeing specialists. Some private health plans offer extra, Medicare-excluded benefits, such as vision or dental care. 虽然保费可能很低, service 成本 may be higher than in Original Medicare for certain services (or vice-versa). You also may pay more for your care if you do not follow the plan rules. Medicare Advantage Plans must have annual limits on out-of-pocket 成本. 尽管这些限制通常很高, they should protect you from excessive 成本 if you need a lot of health care. 福利待遇每年都可能发生变化, so it is important to review your current coverage and options annually.
There are also several programs for beneficiaries with limited incomes.
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