Medicare 101 老年醫療保險初學指南
Medicare is the federal government program that provides health care coverage if you are 65+, under 65 and receiving Social Security Disability Insurance for a certain amount of time, or under 65 and with End-Stage Renal Disease.
Once you have become Medicare-eligible and enroll, you can choose to get your Medicare benefits from Original Medicare, or from a Medicare Advantage Plan, a type of private insurance offered by companies that contract with Medicare (the federal government).
獲得耆英保險資格並註冊後，您可以選擇從Original Medicare或Medicare Advantage Plan獲得耆英保險相關福利，Medicare Advantage Plan是與Medicare簽約的公司所提供的一種私人保險
What is the original Medicare?
什麼是 Original Medicare?
Original Medicare consists of Part A and Part B. If you have Original Medicare, the government pays directly for the health care services you receive. Additionally, enrolling in Original Medicare means:
Original Medicare 包含A部分和B部分. 如果您有Original Medicare,那麼政府將直接為您獲得的醫療服務付款。 此外, 加入Original Medicare代表：
You will receive a red, white, and blue Medicare card to show to your providers
Most doctors in the country take your insurance
Medicare limits how much you can be charged if you visit participating and non-participating providers, but it does not limit how much you can be charged if you visit providers who opt-out of Medicare
You can see a specialist without prior authorization
You are responsible for Original Medicare cost-sharing, which may include premiums, deductibles, and coinsurances
You are eligible to enroll in a Medigap policy, which can help reduce your out-of-pocket costs
In general, Part A covers:
Inpatient care in a hospital
Skilled nursing facility care
Nursing home care (inpatient care in a skilled nursing facility that’s not custodial or long-term care)
Home health care
Part B covers 2 types of services Medically necessary services:
Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
Preventive services: Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.
Source 文章來源: https://www.medicare.gov/