once_before 发表于 2025-07-10 12:10 "住Medicaid cover的nursing home一分钱不用花。" 别的说的不错. 纠正一下最后一句. 不是一分不花, 是所有月收入上交, 只给留百多块零花钱. if income above 300% of federal low income threshold. then not qualified for Medicaid subsidized nursing facilities.
坐地铁还是年轻人的事，我妈就不喜欢坐地铁，她说气压低，不舒服。她一般都是打车，手机打车到楼下了。医疗的话美华回国其实把买medicare plan G 的钱用来买高端医疗住院部分已经很够用了，也可以买个重疾险。长护险这些。没房子的我觉得也不需要买房子，到处租旅居养老不行吗？真来的动不了了，去好点养老院一个月全护理2万多RMB比外加多请个一对一（我没研究过泰康全护理是不是包含一对一的）比住在美国一对多nursing home 性价比高啊。 不过60-70岁阶段如果不是回国专门有老可陪，很多人拿着美国工资可以全世界旅游的吧。只有老的不太愿意出远门了，才会想着居家养老。不到身体全护理或者脑子糊涂阶段不需要住养老院。 总之，华人完全不必为养老焦虑，怎么都有不错的选择。在美国退休的，就把资产弄成trust（这些开销其实干别的可能性价比更好？）然后搭配买LTC保险。 有选择总是好的：）
once_before 发表于 2025-07-10 12:19 Don't know about Medicare. But I know the upper limit of Medicaid covered care giving hours is about 240 hours a month. Day time only.
我不太清楚Medicaid，我家还没人用过Medicaid，但是听说自己都不用花钱的。 我是特意问过Medicare，因为我们拿W2的以后都是Medicare。我问过退休同事，她们都说光Medicare不行，要买别的PLAN G等等，她们还买了home health care 保险，以后打算居家养老，还有丧葬保险等等。
hellohey 发表于 2025-07-10 12:43 我不太清楚Medicaid，我家还没人用过Medicaid，但是听说自己都不用花钱的。 我是特意问过Medicare，因为我们拿W2的以后都是Medicare。我问过退休同事，她们都说光Medicare不行，要买别的PLAN G等等，她们还买了home health care 保险，以后打算居家养老，还有丧葬保险等等。
大家可以用AI查信息，干嘛要相信版上的人忽悠，我差点就信了。 The cost of cancer treatment at MD Anderson with Medicare will vary based on individual treatment plans and the specific Medicare coverage options, but it is not free. Medicare Part A covers inpatient hospital stays, while Part B covers outpatient services, including chemotherapy, radiation therapy, and doctor visits. Beneficiaries will be responsible for deductibles, coinsurance, and potentially copayments for both Part A and Part B services. Medicare Coverage Breakdown: Part A (Inpatient): Covers hospital stays, with a deductible of $1,676 per benefit period in 2025. Coinsurance applies for longer stays. Part B (Outpatient): Covers doctor visits, chemotherapy, radiation therapy, and other outpatient services. A $257 annual deductible applies, followed by 20% coinsurance for covered services. Part D (Prescription Drugs): May help with the cost of medications used to treat cancer, but costs vary by plan. Medicare Advantage (Part C): Offers the same basic coverage as Original Medicare, but may have different cost-sharing arrangements and potentially lower out-of-pocket costs. Factors Influencing Cost: Type of Cancer: Different cancers require different treatments, and the cost of those treatments varies significantly. Treatment Plan: The specific combination of surgery, chemotherapy, radiation, and other therapies will impact the overall cost. Medicare Plan: Original Medicare (Parts A and B) and Medicare Advantage plans have different cost structures. Length of Treatment: Longer treatment plans will naturally incur higher costs. Medication Costs: Prescription drug costs can vary widely, especially for newer targeted therapies and immunotherapies. Out-of-Pocket Expenses: Deductibles, coinsurance, copayments, and costs for medications not covered by Part D can add up. Important Considerations: Second Opinions: Medicare Part B will cover the cost of a second and potentially a third opinion from a surgical oncologist if the initial two doctors disagree on the treatment plan. Supplemental Insurance: Some individuals may have supplemental insurance (like Medigap) that can help cover some of the out-of-pocket costs associated with Original Medicare. Financial Assistance Programs: There are various financial assistance programs available to help cancer patients manage the cost of treatment. It's recommended to explore these options with the financial counseling services at MD Anderson.
The cost of lung cancer treatment at MD Anderson Cancer Center varies widely depending on the specific treatments needed, the stage of cancer, and individual patient factors. It's crucial to consult with their financial counselors for a personalized estimate. Factors Influencing Treatment Costs: Type of Treatment: Surgery, chemotherapy, radiation therapy, immunotherapy, and targeted therapy all have different price points. Stage of Cancer: Early-stage lung cancer may require less intensive treatment than advanced-stage cancer, impacting overall cost, according to MD Anderson. Individual Patient Needs: Length of hospital stay, number of chemotherapy cycles, and the need for supportive care (like pain management or nutritional support) will influence the final cost. Insurance Coverage: Deductibles, co-pays, and co-insurance can significantly affect the out-of-pocket expenses. General Cost Ranges (for Lung Cancer Treatment): Surgery: $15,000 to over $30,000. Chemotherapy: $10,000 to $200,000 total, or $1,000 to $12,000 monthly. Radiation Therapy: Costs can vary widely depending on the type of radiation and the number of
纸醉金迷 发表于 2025-07-10 13:17 大家可以用AI查信息，干嘛要相信版上的人忽悠，我差点就信了。 The cost of cancer treatment at MD Anderson with Medicare will vary based on individual treatment plans and the specific Medicare coverage options, but it is not free. Medicare Part A covers inpatient hospital stays, while Part B covers outpatient services, including chemotherapy, radiation therapy, and doctor visits. Beneficiaries will be responsible for deductibles, coinsurance, and potentially copayments for both Part A and Part B services. Medicare Coverage Breakdown: Part A (Inpatient): Covers hospital stays, with a deductible of $1,676 per benefit period in 2025. Coinsurance applies for longer stays. Part B (Outpatient): Covers doctor visits, chemotherapy, radiation therapy, and other outpatient services. A $257 annual deductible applies, followed by 20% coinsurance for covered services. Part D (Prescription Drugs): May help with the cost of medications used to treat cancer, but costs vary by plan. Medicare Advantage (Part C): Offers the same basic coverage as Original Medicare, but may have different cost-sharing arrangements and potentially lower out-of-pocket costs. Factors Influencing Cost: Type of Cancer: Different cancers require different treatments, and the cost of those treatments varies significantly. Treatment Plan: The specific combination of surgery, chemotherapy, radiation, and other therapies will impact the overall cost. Medicare Plan: Original Medicare (Parts A and B) and Medicare Advantage plans have different cost structures. Length of Treatment: Longer treatment plans will naturally incur higher costs. Medication Costs: Prescription drug costs can vary widely, especially for newer targeted therapies and immunotherapies. Out-of-Pocket Expenses: Deductibles, coinsurance, copayments, and costs for medications not covered by Part D can add up. Important Considerations: Second Opinions: Medicare Part B will cover the cost of a second and potentially a third opinion from a surgical oncologist if the initial two doctors disagree on the treatment plan. Supplemental Insurance: Some individuals may have supplemental insurance (like Medigap) that can help cover some of the out-of-pocket costs associated with Original Medicare. Financial Assistance Programs: There are various financial assistance programs available to help cancer patients manage the cost of treatment. It's recommended to explore these options with the financial counseling services at MD Anderson.
你这种都是基本常识。 我刚刚给你普及了 part B 20% Copay 不封顶， part A每次住院1600+ copay，你还不错，给找出原文了。😂 你不信我，认为Medicare 是免费的，最多$185/月 part B 保险支出？ part D 也是免费的？ 😂 忽悠你？值得吗？ 有必要吗？ 反正你朋友爸爸都是免费的 😂 你似乎是美国现金打工者，老年福利赢家。 然并卵，和我们绝大多数W2+401k美国华人毫无关系。 你忽悠我们W2+401K倒是精确描述！
youyouzou 发表于 2025-07-10 13:27 你这种都是基本常识。 我刚刚给你普及了 part B 20% Copay 不封顶， part A每次住院1600+ copay，你还不错，给找出原文了。😂 你不信我，认为Medicare 是免费的，最多$185/月 part B 保险支出？ part D 也是免费的？ 😂 忽悠你？值得吗？ 有必要吗？ 反正你朋友爸爸都是免费的 😂 你似乎是美国现金打工者，老年福利赢家。 然并卵，和我们绝大多数W2+401k美国华人毫无关系。 你忽悠我们W2+401K倒是精确描述！
youyouzou 发表于 2025-07-10 13:27 你这种都是基本常识。 我刚刚给你普及了 part B 20% Copay 不封顶， part A每次住院1600+ copay，你还不错，给找出原文了。😂 你不信我，认为Medicare 是免费的，最多$185/月 part B 保险支出？ part D 也是免费的？ 😂 忽悠你？值得吗？ 有必要吗？ 反正你朋友爸爸都是免费的 😂 你似乎是美国现金打工者，老年福利赢家。 然并卵，和我们绝大多数W2+401k美国华人毫无关系。 你忽悠我们W2+401K倒是精确描述！
这是AI给的信息 The out-of-pocket cost for cancer treatment in the US for individuals with health insurance can vary significantly, but generally ranges from $6,000 to $10,000 annually. However, some patients may spend over $20,000 per year. This cost includes deductibles, co-pays, and co-insurance, and can be influenced by factors like the type of cancer, treatment plan, and insurance coverage.
纸醉金迷 发表于 2025-07-10 13:37 这是AI给的信息 The out-of-pocket cost for cancer treatment in the US for individuals with health insurance can vary significantly, but generally ranges from $6,000 to $10,000 annually. However, some patients may spend over $20,000 per year. This cost includes deductibles, co-pays, and co-insurance, and can be influenced by factors like the type of cancer, treatment plan, and insurance coverage.
纸醉金迷 发表于 2025-07-10 13:17 大家可以用AI查信息，干嘛要相信版上的人忽悠，我差点就信了。 The cost of cancer treatment at MD Anderson with Medicare will vary based on individual treatment plans and the specific Medicare coverage options, but it is not free. Medicare Part A covers inpatient hospital stays, while Part B covers outpatient services, including chemotherapy, radiation therapy, and doctor visits. Beneficiaries will be responsible for deductibles, coinsurance, and potentially copayments for both Part A and Part B services. Medicare Coverage Breakdown: Part A (Inpatient): Covers hospital stays, with a deductible of $1,676 per benefit period in 2025. Coinsurance applies for longer stays. Part B (Outpatient): Covers doctor visits, chemotherapy, radiation therapy, and other outpatient services. A $257 annual deductible applies, followed by 20% coinsurance for covered services. Part D (Prescription Drugs): May help with the cost of medications used to treat cancer, but costs vary by plan. Medicare Advantage (Part C): Offers the same basic coverage as Original Medicare, but may have different cost-sharing arrangements and potentially lower out-of-pocket costs. Factors Influencing Cost: Type of Cancer: Different cancers require different treatments, and the cost of those treatments varies significantly. Treatment Plan: The specific combination of surgery, chemotherapy, radiation, and other therapies will impact the overall cost. Medicare Plan: Original Medicare (Parts A and B) and Medicare Advantage plans have different cost structures. Length of Treatment: Longer treatment plans will naturally incur higher costs. Medication Costs: Prescription drug costs can vary widely, especially for newer targeted therapies and immunotherapies. Out-of-Pocket Expenses: Deductibles, coinsurance, copayments, and costs for medications not covered by Part D can add up. Important Considerations: Second Opinions: Medicare Part B will cover the cost of a second and potentially a third opinion from a surgical oncologist if the initial two doctors disagree on the treatment plan. Supplemental Insurance: Some individuals may have supplemental insurance (like Medigap) that can help cover some of the out-of-pocket costs associated with Original Medicare. Financial Assistance Programs: There are various financial assistance programs available to help cancer patients manage the cost of treatment. It's recommended to explore these options with the financial counseling services at MD Anderson.
Total billed amounts for cancer treatment can reach $1 million to $3 million, even when Medicare is primary payer. That reflects list (“chargemaster”) prices—and Medicare or insurers often negotiate them down. Out-of-pocket exposure, even with Medicare, can still be massive—especially for specialty therapies (like CAR‑T, immunotherapy, oral cancer drugs). Medicare Part A/B covers much, but leaves 20% coinsurance and hospital deductibles. Part D (drug coverage) historically had no annual OOP cap—patients paid tens of thousands before reaching catastrophic coverage. Inflation Reduction Act changes now limit Part D specialty drug expenses to $2,000/year, but that was only fully implemented in 2025—and doesn’t apply to Part B therapies.
ddg2001 发表于 2025-07-10 14:00 Total billed amounts for cancer treatment can reach $1 million to $3 million, even when Medicare is primary payer. That reflects list (“chargemaster”) prices—and Medicare or insurers often negotiate them down. Out-of-pocket exposure, even with Medicare, can still be massive—especially for specialty therapies (like CAR‑T, immunotherapy, oral cancer drugs). Medicare Part A/B covers much, but leaves 20% coinsurance and hospital deductibles. Part D (drug coverage) historically had no annual OOP cap—patients paid tens of thousands before reaching catastrophic coverage. Inflation Reduction Act changes now limit Part D specialty drug expenses to $2,000/year, but that was only fully implemented in 2025—and doesn’t apply to Part B therapies.
你是用什么查的？我是用google的AI，数据完全不一样。 The total cost of cancer treatment in the US varies widely, but averages around $150,000, according to AARP The Magazine, although this can fluctuate based on several factors, including cancer type, stage, treatment plan, and insurance coverage. Some studies report average costs closer to $109,727 for initial care and $43,516 for end-of-life care, with costs potentially reaching $169,588 for leukemia. Out-of-pocket expenses can also be significant, even with insurance, and can vary considerably.
纸醉金迷 发表于 2025-07-10 13:17 大家可以用AI查信息，干嘛要相信版上的人忽悠，我差点就信了。 The cost of cancer treatment at MD Anderson with Medicare will vary based on individual treatment plans and the specific Medicare coverage options, but it is not free. Medicare Part A covers inpatient hospital stays, while Part B covers outpatient services, including chemotherapy, radiation therapy, and doctor visits. Beneficiaries will be responsible for deductibles, coinsurance, and potentially copayments for both Part A and Part B services. Medicare Coverage Breakdown: Part A (Inpatient): Covers hospital stays, with a deductible of $1,676 per benefit period in 2025. Coinsurance applies for longer stays. Part B (Outpatient): Covers doctor visits, chemotherapy, radiation therapy, and other outpatient services. A $257 annual deductible applies, followed by 20% coinsurance for covered services. Part D (Prescription Drugs): May help with the cost of medications used to treat cancer, but costs vary by plan. Medicare Advantage (Part C): Offers the same basic coverage as Original Medicare, but may have different cost-sharing arrangements and potentially lower out-of-pocket costs. Factors Influencing Cost: Type of Cancer: Different cancers require different treatments, and the cost of those treatments varies significantly. Treatment Plan: The specific combination of surgery, chemotherapy, radiation, and other therapies will impact the overall cost. Medicare Plan: Original Medicare (Parts A and B) and Medicare Advantage plans have different cost structures. Length of Treatment: Longer treatment plans will naturally incur higher costs. Medication Costs: Prescription drug costs can vary widely, especially for newer targeted therapies and immunotherapies. Out-of-Pocket Expenses: Deductibles, coinsurance, copayments, and costs for medications not covered by Part D can add up. Important Considerations: Second Opinions: Medicare Part B will cover the cost of a second and potentially a third opinion from a surgical oncologist if the initial two doctors disagree on the treatment plan. Supplemental Insurance: Some individuals may have supplemental insurance (like Medigap) that can help cover some of the out-of-pocket costs associated with Original Medicare. Financial Assistance Programs: There are various financial assistance programs available to help cancer patients manage the cost of treatment. It's recommended to explore these options with the financial counseling services at MD Anderson.
Treatment like CAR‑T (e.g., Yescarta or Kymriah) costs around $300,000–$500,000 per course. One patient noted a cost of nearly $1 million, with $200,000 potentially out-of-pocket even after Medicare’s 80/20 split Blood cancer patients on fee-for-service Medicare face average out-of-pocket costs of >$17,000 in the first year Oral cancer drugs under Part D, like dabrafenib/trametinib, once led to annual out-of-pocket expenses up to $20,592 before the IRA’s cap took effect
讲到这个药, 前两年因为家人一小毛病需要一种新用途药, 结果 pharmacy insurance 死活不批,说是属于 cosmetic 范畴, not medical need. 自付要 $5000 一疗程. 好在药厂为了推广有 discount program, enroll 后才拿到, for $25. I always know that there's a premium for certain brand name drugs, especially before patten expires, you have to pay for the premium price. But in most cases, generic drugs are adequate and always covered by insurance.
去年去日本东京玩，一个感受就是，还是自己开车好啊！公共交通实在是太累了。
难道都老头子了还要回国挣钱去？那这辈子活的也太憋屈了！😅😅，你可千万别和我提地铁公交车，最怕的就是这个，你前面走后面年轻人就会说你：走快点别挡路，老东西！现在国内可不是八十年代尊老爱幼学雷锋的年代了。
也就是，真正工作为美帝牛马的，最后要乖乖地被医疗吸血毫无余地。
Don't know about Medicare. But I know the upper limit of Medicaid covered care giving hours is about 240 hours a month. Day time only.
四千多应该只是 room and board, not including care services. Or it's the price after Medicaid subsidy.
你很久没回国了。
我刚在北京玩了回来，要不还真被你糊住了。
唯一对我态度不好的是我我儿子，嫌弃我走得慢。其他路人，没有一个对我说过一句话。
你活在固步自封的以前时光里了
不光是加州. 而且也很难找到医生愿意做.
你真时老古董了，现在坐公交车的小姑凉年轻人都快绝迹了
年轻人即使不挣钱，舍得花钱，花父母的钱。老头老太太有的是时间，坐公交车省钱。
时代变了
总之，就是不想做一个被人嫌的人，一切靠自己完成，在国内很难实现，在美国就可以。
现在🈶汇率夹持，国内🚖便宜不需要司机。
你有吵架的尽头，也不需要佣人伺候。
1. 除非在北上广，国内二线城市房价可以接受，美国的地税HOA搞死你 2. 国内打的太便宜方便自己还不用开车，公交地铁高铁各种交通便捷 3. 美国物价飞涨，那点退休金不够吃几碗牛肉面的，退休年龄还要延迟，医疗么？不用说了 5. 国内城市硬件设施越来越好 6. 国内如果肯花钱食品去高端店买，一样安全
另外国内便宜的服务，各种钟点工，便捷的快递外面网上购物对老人是最友好了。美国对老年人的歧视是赤裸裸的，中国有尊敬老人的习俗。
坐地铁还是年轻人的事，我妈就不喜欢坐地铁，她说气压低，不舒服。她一般都是打车，手机打车到楼下了。医疗的话美华回国其实把买medicare plan G 的钱用来买高端医疗住院部分已经很够用了，也可以买个重疾险。长护险这些。没房子的我觉得也不需要买房子，到处租旅居养老不行吗？真来的动不了了，去好点养老院一个月全护理2万多RMB比外加多请个一对一（我没研究过泰康全护理是不是包含一对一的）比住在美国一对多nursing home 性价比高啊。 不过60-70岁阶段如果不是回国专门有老可陪，很多人拿着美国工资可以全世界旅游的吧。只有老的不太愿意出远门了，才会想着居家养老。不到身体全护理或者脑子糊涂阶段不需要住养老院。 总之，华人完全不必为养老焦虑，怎么都有不错的选择。在美国退休的，就把资产弄成trust（这些开销其实干别的可能性价比更好？）然后搭配买LTC保险。 有选择总是好的：）
说美国养老比中国好的人，还没有走到那一步，没有体会。
说了半天也说不清楚，总之一句话，回国我立马感觉我的生活品质跌了一个档次！感觉在走下坡啊！那又何必呢，没事回去找罪受？年轻人吃点苦没事，老了可受不了！
打车是被别人嫌弃？
在美国你要有钱（除非吃Medicaid, 不管被迫的还是伪装的），否则你需要被照顾的时候，你咋自己完成？
国内自费再便宜也没有美国保险付过之后的价格便宜。我照顾过家里得癌症的亲人过世，普通城镇居民医疗保险，耗了五年，尽力治疗，总共花了五六十万吧，这还是有钱的，我一个在上海大学上班的朋友，大学医疗算是很好的了，但是最后治癌症的进口药也是要自费的，她家里人都考虑要卖房治疗了，但是不幸的是，新冠期间耽误了治疗，很快就走了。 这些都是有国内医疗的情况了，如果没有医疗保险的美华，费用就更别说了，当然现在也有便宜的集采药，辛苦工作了一辈子的美华回国用集采药，住三人间医院，不知道这是不是没苦硬吃了。
我没回去我老婆回去了啊！大夏天的骑共享单车，天热的和烤炉似的，人多的乌泱乌泱的，街上人群里气味难闻极了，我可受不了那个罪。
你说的这一切没钱一切都免谈！回国我没工作了！在美国我有公司，什么活都不用干，上嘴皮碰下嘴皮我钱就挣了，愿意去哪玩就去哪玩！
我说的几十万是保守估计了，如果回国长住，没有医疗保险的情况下，每年估计都要花几十万人民币了，一个手术都要好几万。你怎么知道你八十多会得什么病？然后买房几千万，这真的是没苦硬吃。你把钱都拿回国了，估计美国的孩子们也恨死你了，你到死了都不一定回去看你。
我不太清楚Medicaid，我家还没人用过Medicaid，但是听说自己都不用花钱的。 我是特意问过Medicare，因为我们拿W2的以后都是Medicare。我问过退休同事，她们都说光Medicare不行，要买别的PLAN G等等，她们还买了home health care 保险，以后打算居家养老，还有丧葬保险等等。
过时了。现在回国爬山都可以找大学生陪爬服务，方便安全而且不贵。
普通城镇居民医疗保险，耗了五年，尽力治疗，总共花了五六十万 ～～～～～～～～～～～～～～～～～～～～～ 人均一年10万出头人民币。
安德森。几年前的数据，平均下来，大约每人每年50万美元。Medicare original 自付20%，你算算多便宜吧？ 你要Medicare Advantage, O8保险，安德森根本不会收。
安德森的价格，和加州州大附属医院比，还算价格便宜的
我回国探亲访友时注意了一下国内现在的房价，在某二线大城市，看到二环线上靠着地道口的一套不错的大三房，200万人民币，三环线上环境不错的大三房，大约在100万人民币左右。当时都在想，是不是以父母的名义再买一套，哈哈。
我算过一次，考虑到没有房税以及物业费很低，国内30万美元的房子，affordability大约相当于美国18万美元或更少的房子。如果中国经济持续增长，而美元又贬值，可能会是不错的投资。但投资这个事属于你钱你定，谁也说不准。
为啥一定要去安德森？美国普通医院治疗癌症条件就很好了，我朋友爸爸还是绿卡，治疗癌症也没自付几个钱，并且也活了好几年，美国这边医疗环境好多了，并且最后止痛效果要好很多，最后在美国过世的话，要有尊严得多！
没有医疗保险的情况下，每年估计都要花几十万人民币了，一个手术都要好几万 ～～～～～～～ 这老病号，看样子需要301级别的护理，还是别回国了。
我父母这种，老了动了两三次大手术，美国的话，小几十万美$，国内的，全自费累计也没到10万人民币，最差的医疗保险每年大约400元人民币购入，还给报销了一大半。
2. 可以吃美国福利的
大量中产还是考虑回国养老吧
Medicaid 是给联邦贫困线300% 以下的. 有公民至少绿卡的早年移民/留学生父母的国内退休金一般都落在这个范围内. 因为照顾早年来美的老人关系, 我对这个比较清楚. 轮到自己以后要用的 Medicare 还是一头雾水需要学习中. 只知道有各种 plan ABCD....需要买买买....
哈哈，美国华人中产老一辈很多过世的都不少了，有见过大量中产回国养老吗？我们又不是第一波移民的。
你朋友爸爸靠啥？ 你能拿到Medicaid？ 你够格吗？
华人大约一年前有个帖子，南加SD，患者发现自己癌症晚期，新医生要到了两年前医院的样本，发现两年前是癌症，愣是没被看出来。两年前的也是百万人口大城市的大医院，似乎名字🀄️有Sharp 这个字。
我原单位一同事，估计不到30岁，医生让一年后复查，结果8个月后恶化直接进入晚期，然后折腾了三年左右挂了
为啥要去安德森？病人是傻子，被骗到安德森？ 被坑了被误诊的大批大批飞奔安德森以求延长个一年半载。
你对美国医疗还是缺乏打交道的经验。估计你还是年轻。
一般首要考虑还是要离子女近8
也可以说他们去世的年代是以前，国内的各方面还处在刚刚起步的阶段，没有等到 中国大量出口美国原药，临床一期药的时候（也就是最近一年两年的事）
团聚类5年居留类签证，办驾照，买车都不是问题，比Q2好用， 深圳海关还可以办理非窗口进出护照信息留存，闸机刷护照进出深圳口岸海关。
可以先办个5年的，到时如果需要，用自己的房子转3年的居留签证。
国家移民管理局，外国人居留证件签发服务指南
Mark
这个不错
问题是都60岁了，拿个美国护照能在国内买房吗？
这数据哪里看到的，能贴一下吗？
第一代老留最老的也就70岁，那来很多老死了？过世的是老留国内父母移民过来，此群体没在美国工作一天基本100%吃福利，跟普通中产没有可比性。
怎么不够格？我如果老了得了癌症，我就把钱和资产全部留给子女和配偶。然后用Medicaid 就是了，多大的事。钱全部给出去就是了。
还有更老的广东移民，唐人街那些。
这个是真的，不知道美国国内病人的误诊率，国际病人到安德森之后都是重新检查，前几年的数据是35-40%。
认识安德森的病人，他属于包打听，再结合各种化疗免疫治疗一次大几万美元的费用，很正常的价格。
可能有些只吃成熟靶向药的拉低了治疗价格。其他的比如放疗，拍片子，都超级贵。
别忽悠了，安德森也接受Medicare ，并且费用也不高。
你没有social security? 光这个会让你没啥希望。你没有401K？这个每年有minimum Distribution.
你要是一直现金收入的，家里藏着的，你是美国人生赢家！
然而和我们绝大多数W2的美华毫无关系！
你的这个病人是自费吧？有Medicare?
不是的，很多80以上的。
80年代初来留学的，很多是已经工作几年的
The cost of cancer treatment at MD Anderson with Medicare will vary based on individual treatment plans and the specific Medicare coverage options, but it is not free. Medicare Part A covers inpatient hospital stays, while Part B covers outpatient services, including chemotherapy, radiation therapy, and doctor visits. Beneficiaries will be responsible for deductibles, coinsurance, and potentially copayments for both Part A and Part B services.
Medicare Coverage Breakdown: Part A (Inpatient): Covers hospital stays, with a deductible of $1,676 per benefit period in 2025. Coinsurance applies for longer stays. Part B (Outpatient): Covers doctor visits, chemotherapy, radiation therapy, and other outpatient services. A $257 annual deductible applies, followed by 20% coinsurance for covered services. Part D (Prescription Drugs): May help with the cost of medications used to treat cancer, but costs vary by plan. Medicare Advantage (Part C): Offers the same basic coverage as Original Medicare, but may have different cost-sharing arrangements and potentially lower out-of-pocket costs. Factors Influencing Cost: Type of Cancer: Different cancers require different treatments, and the cost of those treatments varies significantly. Treatment Plan: The specific combination of surgery, chemotherapy, radiation, and other therapies will impact the overall cost. Medicare Plan: Original Medicare (Parts A and B) and Medicare Advantage plans have different cost structures. Length of Treatment: Longer treatment plans will naturally incur higher costs. Medication Costs: Prescription drug costs can vary widely, especially for newer targeted therapies and immunotherapies. Out-of-Pocket Expenses: Deductibles, coinsurance, copayments, and costs for medications not covered by Part D can add up. Important Considerations: Second Opinions: Medicare Part B will cover the cost of a second and potentially a third opinion from a surgical oncologist if the initial two doctors disagree on the treatment plan. Supplemental Insurance: Some individuals may have supplemental insurance (like Medigap) that can help cover some of the out-of-pocket costs associated with Original Medicare. Financial Assistance Programs: There are various financial assistance programs available to help cancer patients manage the cost of treatment. It's recommended to explore these options with the financial counseling services at MD Anderson.
国内的过来的。所以想方设法打听怎么自费省钱。比如，求医生让抽血在quest做，价格从$1300降到$300+
对不起，有保险的，保险付出的价格更高。 😂
Medicare 不够可以申请Financial aid，并且美国只有long term care才贵，其它癌症什么的根本就不贵，有medicare的话就几千美元的费用而已，你别在这里危言耸听了。
你没有social security吗？咋转让法？
Factors Influencing Treatment Costs: Type of Treatment: Surgery, chemotherapy, radiation therapy, immunotherapy, and targeted therapy all have different price points. Stage of Cancer: Early-stage lung cancer may require less intensive treatment than advanced-stage cancer, impacting overall cost, according to MD Anderson. Individual Patient Needs: Length of hospital stay, number of chemotherapy cycles, and the need for supportive care (like pain management or nutritional support) will influence the final cost. Insurance Coverage: Deductibles, co-pays, and co-insurance can significantly affect the out-of-pocket expenses. General Cost Ranges (for Lung Cancer Treatment): Surgery: $15,000 to over $30,000. Chemotherapy: $10,000 to $200,000 total, or $1,000 to $12,000 monthly. Radiation Therapy: Costs can vary widely depending on the type of radiation and the number of
你这种都是基本常识。
我刚刚给你普及了 part B 20% Copay 不封顶， part A每次住院1600+ copay，你还不错，给找出原文了。😂
你不信我，认为Medicare 是免费的，最多$185/月 part B 保险支出？ part D 也是免费的？ 😂
忽悠你？值得吗？ 有必要吗？ 反正你朋友爸爸都是免费的 😂
你似乎是美国现金打工者，老年福利赢家。 然并卵，和我们绝大多数W2+401k美国华人毫无关系。
你忽悠我们W2+401K倒是精确描述！
一般工作学习一年以上的可以买70年产权房。 不知道上老年大学算不算？
商业公寓四十年产权有些地方外国人不限购，这个到当地房产交易中心问。
父母名字买，将来自己继承。
别在这里忽悠了和相当然，美国治疗癌症一直是天价
只是，对于现金打工者，几乎免费
因为Medicare plan A 住院是没有封顶的，所以要买其他plan，咱们目前上班用的公司保险是每年花的钱有上限封顶的。 其实在中美都是体制内福利好。美国体制内的退休保险也挺好的。有的还包含家属医保。国内也是这样。
癌症病人根本不会长期住院，只有去复查和做手术的时候才会住院。 我只相信身边得了癌症的朋友的经历，也有几个老留不幸得的，家属都说费用还好没自费多少，他们也没有卖房，更没有水滴筹什么的。
别扯淡了。
最好的医院公认安德森，根本不是最贵的。
23万给你cap住，所有美国医院都要破产了
如果我是拿w2, 不是现金工作的，你要不要自己封了自己这个号？并且我说的每个例子都是真的。
法拉盛的？ 这儿的绝大部分W2把钱都捐了也不可能MEDICAID。你懂不懂?
你别嘴泡，你拿出证据出来，美国普通癌症如果有医疗保险的话需要自负多少。
The out-of-pocket cost for cancer treatment in the US for individuals with health insurance can vary significantly, but generally ranges from $6,000 to $10,000 annually. However, some patients may spend over $20,000 per year. This cost includes deductibles, co-pays, and co-insurance, and can be influenced by factors like the type of cancer, treatment plan, and insurance coverage.
这种常识你都不知道？癌症基病人要住院，保险公司开心死了，估计快要挂了。
癌症病人每一次化疗免疫都是几万$的保险支出，outpatient 服务费是大头。我知道一个真实的费用：一次免疫化疗保险公司拿付了7万多$的支出。
癌症病人能做手术然后复查，都是幸运儿早期。
你才是法拉盛的。
你只会嘴炮，没有任何证据。我可是贴了数据出来的。
你要买够保险，可能你不用考虑这个问题，现金打工人生赢家。
对于W2+401K，有工作的时候，也不是问题。 但是，一旦大病了，做好LTD回来立马被裁，靠spouse抗医疗保险。
医疗条件不好？你是有多穷呢😅
还是那句话，你要不要赌，如果我是拿W2的，你要不要自杀这个Id?
没看懂争执点., 你这和纸醉金迷说的不是一回事么, 保险付大头,自己出零头. en?
我嘴炮Medicare 不免费，然后你贴出了Medicare 官方政局支持 😂 然后说我忽悠你。
我贴了数据，我总不能贴别人多账单吧！
你和W2+401K根本不是一条船上的。只能恭喜你美国医疗养老人生赢家 😂
你要是W2，只能说明妮收入太低，或者蠢的以为你能捐钱给孩子享受Medicaid.
一点基本常识都没有
本来就是，美国癌症没有什么进口药之说，所以费用跟其它病差不多。只要你有医疗保险就不会自付很多，Medicare 一个月付五六百，把所有Plan买齐全了，跟现在的医疗保险没有什么区别。美国贵的是长期护理，但是能在床上躺个十几年的，本身也是不常见的，即使是不幸发生了，也是有很多办法可以让你得到治疗的。
我今年回国的感觉，至少在中大城市，对中产来说，以后美国的医疗会明显不如中国。巨富另说。
国内的优势是检查太细致了，有什么病及早检出来。我们这次回去和朋友聊天，她刚陪她的一个朋友去某三甲医院做了个肺癌手术。病是体验时在普通医院用MRI查出来的，发现一个小的恶性肿瘤。手术是在三甲医院做的，一个探针插进去，用激光（也可能是高温）杀死肿瘤，属于一个低创手术，没有开刀，做完就回家休息了。听朋友说，现在很多肿瘤手术都是这样做的，关键是要发现的早。
美国这边的问题是检查太贵，MRI这样的检查不能随意做，导致检查不彻底。说到底还是整个医疗体系太贵了，一些新技术不能普及。
我什么时候说了medicare免费了？我们争论的难道不是， 如果你在国内没有医疗保险，然后得了癌症。 你在美国有Medicare 各种plan，得了癌症之后的费用吗？ 我说的后者要更便宜，并且可以得到更好的照顾，可以用更好的药。 然后你争执说美国得了癌症要自费五十多万美元。很明显你是错的！！！
你这个看央视新闻的，来这里搞笑的吗？应该向上面反映一下，这些段子太脱节啦
是的，我跟你有同感。
有保险，身强力壮时，自付额不是问题。
得了大病，被公司裁，不到65岁没有工作，这些才是。
纸醉金迷：有保险这个是privilege, Medicaid随便兜底 我： 天价医疗+保险吸血 —保险是要靠挣，Medicaid 对于绝大多数 W2+401K美华，别做梦了。
我家里有人在美国治过癌症，身边也有很多朋友同事得癌的，癌症基本靠命吧，晚期难治的根本不要想了，大部分癌症的治疗都是非常standard的。关键是早期要发现，这个国内的优势是非常明显的。现在也越来越多的人回中国去全面体检。
不是巨富就不要吹嘘美国的医疗了，对中产来说就是务实讲，就检查和standard治疗的速度来说，以后明显中国会更好。
别扯淡了。
癌症治疗的药本身就贵得要死。新药更是天价。靶向新药一个月两三万$算便宜的。
美国国产药，出口到中国，价格至少便宜50%。
美国医疗养着昂贵的美国药，在美国国内价格最高。
Total billed amounts for cancer treatment can reach $1 million to $3 million, even when Medicare is primary payer. That reflects list (“chargemaster”) prices—and Medicare or insurers often negotiate them down. Out-of-pocket exposure, even with Medicare, can still be massive—especially for specialty therapies (like CAR‑T, immunotherapy, oral cancer drugs). Medicare Part A/B covers much, but leaves 20% coinsurance and hospital deductibles. Part D (drug coverage) historically had no annual OOP cap—patients paid tens of thousands before reaching catastrophic coverage. Inflation Reduction Act changes now limit Part D specialty drug expenses to $2,000/year, but that was only fully implemented in 2025—and doesn’t apply to Part B therapies.
活那么久有意思吗？
你别转移话题了，Medicare 最便宜的plan都可以报销80%，哪里来的得了癌症需要自付50万美元，你找出证据出来。我们只讨论中产都会用的Medicare, 不说其它的。你找出美国普通癌症五年需要花费250万的例子出来看看。
那你得祈祷美国这么折腾，到你很老了需要用的时候还有medicaid这个东西存在。
你是用什么查的？我是用google的AI，数据完全不一样。
The total cost of cancer treatment in the US varies widely, but averages around $150,000, according to AARP The Magazine, although this can fluctuate based on several factors, including cancer type, stage, treatment plan, and insurance coverage. Some studies report average costs closer to $109,727 for initial care and $43,516 for end-of-life care, with costs potentially reaching $169,588 for leukemia. Out-of-pocket expenses can also be significant, even with insurance, and can vary considerably.
几十万人民币也就是这边高房价地区一年的房产税外加保险的费用，根本不算什么。而且为什么回国养老要买几千万的房子？黑中国也不是这么黑的好吧。
Treatment like CAR‑T (e.g., Yescarta or Kymriah) costs around $300,000–$500,000 per course. One patient noted a cost of nearly $1 million, with $200,000 potentially out-of-pocket even after Medicare’s 80/20 split
Blood cancer patients on fee-for-service Medicare face average out-of-pocket costs of >$17,000 in the first year
Oral cancer drugs under Part D, like dabrafenib/trametinib, once led to annual out-of-pocket expenses up to $20,592 before the IRA’s cap took effect
是呀，大学生一天两百，我下次回去也打算请，年轻人还能帮我们背背包。
讲到这个药, 前两年因为家人一小毛病需要一种新用途药, 结果 pharmacy insurance 死活不批,说是属于 cosmetic 范畴, not medical need. 自付要 $5000 一疗程. 好在药厂为了推广有 discount program, enroll 后才拿到, for $25.
I always know that there's a premium for certain brand name drugs, especially before patten expires, you have to pay for the premium price. But in most cases, generic drugs are adequate and always covered by insurance.
这个帖看的我 再也受不了啦. 实际上你不可能说服网上这几个坚持老人穷人付不起美国医疗的 人,大家散了就好.
我以及亲戚在美国最好之一 的医疗机构及附属医院工作;贫穷老年人得了癌症,可以用medicaid或其他保险费享受最好治疗,费用相当低廉,比如每次办公室付费30块,有一个非常贵的一个月2000块的增加免疫的药,申请政府补贴以后变成30; 我帮助申请过,年薪12万以下都合格.
另外一家附属医院给真正没有保险而且语言不通的底层病人,大多数非法移民;在这个最好医院工作的一流医生以及好多见习医生也在这个附属医院工作,不论此病人是否付钱,是否有任何医疗保险,都可以推迟付钱而且不影响信用,享受不打折扣的一流医疗
更有甚者,培训班我们入职 的白人领导一再要求我们尊敬 病人,不能因为收入和移民状况歧视任何人.
这真是个人感受了。我觉得开这么多年车，真的烦死了！如果有方便安全的地铁，我绝对不开车。美国很多地方没有地铁，有的大城市也是又旧又脏，轻轨铁路这些也有很多流浪汉，没有围栏到老了还得防着神经病在后面推你下去，所以老人没选择啊。