If you live in Illinois or California, just ask state for Medicaid.
Medicaid will ask you some questions but never verify your answsers. Then you can benefits from other tax payers. It is easy.
说医保免费的看看下面：
Here's a more detailed breakdown:
Part A (Hospital Insurance):
Premium:
Most people don't pay a premium for Part A if they have worked long enough to be eligible.
Other costs:
You might have to pay a deductible for each benefit period (a benefit period starts when you enter the hospital and ends when you've been out of the hospital for 60 days in a row).
Skilled nursing facility stay:
If you stay in a skilled nursing facility for more than 20 days, you'll have to pay a per-day cost.
Part B (Medical Insurance):
Premium: The standard monthly premium is $185 in 2025.
Other costs: You'll pay a deductible and copayments for covered services.
Part C (Medicare Advantage):
Premium: Monthly premiums vary depending on the plan.
Other costs: You'll typically pay a deductible and copayments for covered services.
Part D (Prescription Drug Coverage):
Premium:
Monthly premiums vary depending on the plan, averaging around $46.50 in 2025.
Other costs:
You'll typically pay a deductible and copayments for covered prescriptions.
即使是免费的 PLAN A 也有下面限制：
Medicare Part A covers up to 90 days of inpatient hospital care in each benefit period.
Benefit Period: A benefit period begins the day you're admitted as an inpatient in a hospital and ends when you haven't received inpatient hospital care for 60 days in a row.
Lifetime Reserve Days: After using the initial 90 days in a benefit period, you can use up to 60 additional lifetime reserve days. These days can be used only once during your lifetime but can be split among different hospital stays.
After 90 days: After day 90 in a benefit period, you will pay a coinsurance for each lifetime reserve day used. Once you use all 60 of your lifetime reserve days, you are responsible for all hospital costs.
For Skilled Nursing Facility (SNF) Care:
Medicare Part A covers up to 100 days of skilled nursing facility care in each benefit period.
Conditions: To qualify for SNF coverage, you typically need to have had a qualifying hospital stay of at least three days.
Coinsurance: You pay nothing for the first 20 days of covered skilled nursing care. From days 21 to 100, you pay a daily coinsurance.
After 100 days: You are responsible for all costs beyond 100 days.
美国一位昔日声名显赫的建筑师因为医疗费用不断攀升，加上对垂死妻子的承诺，最终破产，被迫到超市打工装袋维生。
媒体报导，80岁的犹他州居民萨林（Gary Saling），多年来每周在圣乔治的史密斯超市（Smith’s Market）工作四天。虽然他原本应该早就退休，如今在他人慷慨相助下，也许他终于可以安心退下来。
报导指出，萨林的太太卡罗（Carol）在2020年因两种失智症过世，其中一种是罕见且恶性的“进行性核上性麻痹症”（Progressive Supranuclear Palsy）。她在病中挣扎了三年半，而萨林始终守在她身边。
萨林周日接受《纽约邮报》访问时表示：“我向自己、上帝、她、她的哥哥、她的儿子女儿和继子们承诺，我不会把她送进疗养院，我说我会让她待在家里，我也做到了。”
这份深情导致居家照护费用不断飙升，加上多年累积的其他医疗支出，总共花了8万美元（约240万元台币），其中仅居家照护费用就高达4万美元。
他说：“我全都自己付，这就是我破产的原因。”
萨林在加州长大，年轻时就曾在杂货店装袋。他后来成为一位极具才华的建筑师，数十年来替名人设计价值数百万美元的豪宅，客户包括在拉古纳海滩拥房产的Jeffries投资集团创办人杰佛瑞斯（Boyd Jefferies）。他任职的建筑公司曾四度登上《建筑文摘》百大建筑事务所榜单。
萨林透露，选择在史密斯超市打工，是因为他希望找一份不需要太多思考的工作，毕竟他过去长年投入建筑设计需要高度脑力。这份工作也让他能在社区结识新朋友，其中一位是强森（Duana Johnson），她好奇为何他80岁还要工作。
在听完他的故事，并得知他可能要一直工作到去世后，强森立刻发起募款活动。当地的Fox 13新闻报导后，募款迅速获得关注。
截至周日下午，募得金额已接近4万美元（约120万元台币），萨林认为这笔钱足以让他在6月底退休。强森表示，捐款人深深被他对妻子的爱与承诺所感动。
她说：“这真的很棒，因为它显示我们国家仍充满同理心与爱，尽管很多人不这么认为。很多人说美国已不像从前，但我看到的刚好相反。”
这场募款活动的进展也被记录在当地的脸书专页上。萨林对大家的慷慨表示“万分感激”与“无以为报”，他说：有些人说我像个英雄、天使，甚至还有人说我像圣人。对这些赞美，我的回应是……我肯定不是英雄，更不是天使，更离圣人还远得很。我从她被诊断那天起就照顾她，一直到她在我怀里咽下最后一口气，这全都是因为我对她的婚姻誓言——无论健康或疾病，我都会陪伴在她身边。”