G是对A,B的补充。 C = A+B+G+D Vision,Dental 是另外的 youyouzou 发表于 2025-08-02 12:14
Cannot Be Purchased by New Enrollees: As of January 1, 2020, new Medicare enrollees cannot purchase Medigap Plans C and F because these plans can no longer cover the Part B deductible for new beneficiaries. Existing Enrollees Can Keep Plans: If you were eligible for Medicare before January 1, 2020, you may still be able to buy or keep your Medigap Plan C.
买traditional medicare (A,B and D) 再买一个madigap, 这样基本就都cover 了 看牙不包括。 Medicare vision coverage is limited to preventive screenings for some conditions and diagnosing tests under Part B insurance.
zxl035000 发表于 2025-08-02 13:54 买traditional medicare (A,B and D) 再买一个madigap, 这样基本就都cover 了 看牙不包括。 Medicare vision coverage is limited to preventive screenings for some conditions and diagnosing tests under Part B insurance.
ljmdtc 发表于 2025-08-01 22:40 感谢详细说明! plan G每月只需要$100-$200吗?听上去有点像医疗里umbrella insurance的样子。 不过我不确定我的理解是否正确,如果plan G可以每月付$100-$200换来max $240,听上去有点too good to be true啊,我恨不得现在就买啊
每 90 天算一个cycle, 过了九十天,你如果出院了有两个月不住院,这个cycle 重新开始,这个copay 什么的重新开始。在这个九十天的cycle里,Plan a 只付 60 天。剩的得自己付。你要触发另外一个 Plan A 的 60 付,你得触发另外一个cycle, 90 days pass after first date 住院+ 出院没有再住院60 天 For Medicare Part A (Hospital Insurance), the maximum covered hospital stay depends on the benefit period and the type of care needed. Here’s a breakdown of coverage limits: 1. Inpatient Hospital Stay (Per Benefit Period) Days 1–60: You pay the Part A deductible ($1,632 in 2024) for the first 60 days. Days 61–90: You pay a daily coinsurance ($408/day in 2024). Days 91+: You can use lifetime reserve days (up to 60 total in your lifetime) with a coinsurance ($816/day in 2024). Beyond Lifetime Reserve Days: Medicare stops covering, and you pay 100% of costs. 2. Skilled Nursing Facility (SNF) Stay (After a 3-Day Hospital Stay) Days 1–20: $0 coinsurance. Days 21–100: You pay $204/day (2024 rate). Beyond 100 Days: Not covered by Medicare Part A. 3. Psychiatric Hospital Stays Limited to 190 days in a lifetime. Key Notes: A benefit period resets after you’ve been out of the hospital/SNF for 60 days. If you need longer stays, consider Medicare Supplement (Medigap) or Medicare Advantage (Part C) plans for extended coverage.
这样一对夫妻一个月的无法节省的最低支出 在2024: 医疗 600/ 人*2=1200, 房产岁加保险加HOA等 =1000 电话+车=100 1200+1000+100=2300 月, 而1. Maximum Social Security Retirement Benefit (2024) If you claim at Full Retirement Age (FRA, 66–67) → $3,822/month If you delay until age 70 → $4,873/month (highest possible) These amounts apply to workers who earned at least the maximum taxable income ($168,600 in 2024) for 35 years., 所以几乎是没有剩余,特别是如果配偶去世了,一个人的收入根本不可能退休养老。
AI 概览 When Social Security started in 1935, the average life expectancy in the U.S. was significantly lower than today, particularly for men. For white males, it was around 61 years, and for white females, it was 65 years. African American males had a life expectancy of about 51.1 years, and African American females around 55.5 years. In contrast, today''''s average life expectancies are much higher. Here''''s a more detailed look: 1935 (Social Security Start): White Male: 61 years White Female: 65 years African American Male: 51.1 years African American Female: 55.5 years Today: White Male: 76.5 years White Female: 81.3 years African American Male: 71.8 years African American Female: 78.0 years
这样一对夫妻一个月的无法节省的最低支出 在2024: 医疗 600/ 人*2=1200, 房产岁加保险加HOA等 =1000 电话+车=100 1200+1000+100=2300 月, 而1. Maximum Social Security Retirement Benefit (2024) If you claim at Full Retirement Age (FRA, 66–67) → $3,822/month If you delay until age 70 → $4,873/month (highest possible) These amounts apply to workers who earned at least the maximum taxable income ($168,600 in 2024) for 35 years., 所以几乎是没有剩余,特别是如果配偶去世了,一个人的收入根本不可能退休养老。 cocaok 发表于 2025-08-02 17:46
场景:重大疾病(如癌症)治疗费用 你住院30天,并进行了手术、化疗、影像检查、医生会诊和随访等治疗,总费用达到: 类型费用住院费用(30天)$500,000医疗服务(手术、化疗、门诊)$500,000总计$1,000,000 ✅ 情况一:只有 Medicare Part A + B 🔹Part A(住院) 自付额(deductible):$1,632 第1–60天住院:你只需交这个自付额,其余 Medicare 付 你付:$1,632 🔹Part B(手术、化疗、门诊等) 自付额:$240 剩下的 $499,760,Medicare 付 80%,你付 20% 你要付的: 自付额:$240 共保部分:20% × $499,760 = $99,952 💰你总共要付: Part A:$1,632 Part B:$240 + $99,952 合计:$101,824 ✅ 情况二:你有 Plan G Plan G 会帮你付: Part A 自付额($1,632) Part B 的 20% 共保额($99,952) 唯一你要自付的:Part B 的年度自付额 $240 💰你总共要付: 仅 $240 📊 总结比较: 保险情况你自付总额只有 Part A + B$101,824加 Plan G$240 ✅ 为什么 Plan G 重要?
我妈妈最近在国内腰疼,我来说说她去看病的经历,应该是我们以后的方向:坐标广州,我妈妈疼之前,她自己说的尿道炎也犯了,便秘,76岁,独居
我一直跟她微信联系,因为她说想2026年来加拿大玩半年,所以我比较关心她的健康!
她晚上腰疼厉害去我家附近省二医院挂急诊,按她说这个医院非常差,没有轮椅,没有人理她,医生觉得她是腰间盘问题让她去拍了CT,同时吊针(估计是止疼的),CT结果一小时后,一共花了130多元人民币-医保之后付的。
第二天她又去了她喜欢的另一个医院-省第二中医院,看她最喜欢的医生-骨科主任,主任让她住院治疗,做微创手术,她不愿意,自己回家休息
她自己因为怕有别的病也去了广州的南方医院考察了一下,她说人很多,不去了。
平时她喜欢去户口所在的社区医院看病-中医、西医拿点药,是最便宜的。
我有时帮她在网上买点社区医院不肯开给她的一些药:例如治疗尿道炎的诺氟沙星,网上12元50粒。
还有dental vision 你忘了
Cannot Be Purchased by New Enrollees: As of January 1, 2020, new Medicare enrollees cannot purchase Medigap Plans C and F because these plans can no longer cover the Part B deductible for new beneficiaries. Existing Enrollees Can Keep Plans: If you were eligible for Medicare before January 1, 2020, you may still be able to buy or keep your Medigap Plan C.
G不包括Dental 和vision,这个记错了,抱歉
有坐标,有医院,有价格
尿道炎犯了腰痛这些,年纪大了绝经后比较容易造成泌尿系统综合征。需要多喝水,少憋尿,从前到后擦,妇科检查看看有没脱垂之类的,还有的雌激素减少造成的,或者菌群紊乱需要益生菌之类治疗,腰疼了也可能肾炎了,也可能骨密度不行VD钙少之类造成腰椎压缩性骨折之类的都需要好好看。一般看医生还需要回诊的,不能觉得看一次就行了,想要好好治疗,一定要看一次按照医生处方不行,再回去对医生说,医生会给开别的检查和做处理,你别自己给你妈买药,如果医生按照她他的方子把你母亲病治疗控制好了就可以,不行,他们会在回诊时做其他检查和开别的处方,local的医生最会用现有的药物控制住local病人病情,不要自己用药打乱医生用药方式和思维,除非医生让你买某某药物。当然需要这个是有医德,经验丰富,有技术的医生。 你家如果没有长期保姆或者小时工的话,你需要在京东上给你母亲找个陪诊,或者一进大三甲对护士说要个一对一护工,自己家买个轮椅几百块人民币,医院是要租的,多麻烦。如果你们家乡惠民保包陪诊可以用惠民保这个陪诊服务,就有人推轮椅了。 网上帮你查了一下广州惠民保也包含陪诊服务 2023 年惠民保回顾及展望 sinaimg.cn http://f.sinaimg.cn › finance Apr 23, 2024 — 穗岁康、广州惠民保. 4. 广东省惠州市. 2. 惠医保、惠州太爱保. 5. 广东省 ... 助服务、院内陪诊服务、陪诊服务(挂号候诊、缴费排队、预. 约排队、窗口
2025年度“广州惠民保”缴费期为2024年11月11日-2025年1月15日,其中,基础版保费为49元/人,升级版保费为149元/人
不是 时薪也没怎么变 只是逻辑就是大部分都涨在了别的地方 这是有数据的 都花在了administration 等等 healthcare admin涨了很多很多
这个图叫“一点不复杂”?!
是啊。要这么说的话弄个台湾身份不是更好,还没有语言问题,省的一堆医学术语搞不清楚。问题是无论加拿大绿卡还是台湾身份一般人都弄不到啊。
Also physician salary is only 8% of total Healthcare spending, but it increases 5-10% yearly….
有收入限制之类吗?
收入高,多交保险费
你们真的觉得复杂,而不是为喷美国医疗而喷? 我看见这图时,觉得10秒钟就明白medi GAP基本概念,特别清晰啊。
这图是解释medigap的,是假设你已经知道Medicare A and B的概念。
可能是因为你已经对A和B有深入了解了。对于新手来说A和B这些细则都没搞清楚。而且真不知道为什么medigap要搞出这么多花样的plan
看牙不包括。
Medicare vision coverage is limited to preventive screenings for some conditions and diagnosing tests under Part B insurance.
钱不够多的,跟着多数老美去买Part C,也就是 deny defy defend 外加拖着批准 耗着你的 Medicare Advantage PPO, 大体上类似于HMO却起了个PPO的名字
没到那个年龄没有经验。只知道,前雇主保险 和 Medicare哪个是 Prinary/Secondary, SSA说了算。这些都是官网上能查到的信息。
到了年龄,有点资产要保护的,买Plan G要通过agent从保险公司那里买,估计会头大。 买Plan D(RX)估计头又要大。
其实药钱是大头,门诊费里,一个月看一次医生,自己掏钱也就一百多一点。Plan G 又不包括药。
你说是一个人还是两个人500-600 一个月,两个人相当于一个月家庭固定医疗成本1000-1200, 对于退休的人来说不便宜啊。
一个人 ABDG ,外加 Vision,Dental, 考虑到 PartD 药钱还太自负一部分,一年估计$9000/年。这是有房子资产需要保护的人考虑的。
嫌贵,那就Part C Medicare Advantage PPO. (=A+B+D+G), 便宜,保险公司 有对付你的一套,你不得不接受,也就这样了。
每 90 天算一个cycle, 过了九十天,你如果出院了有两个月不住院,这个cycle 重新开始,这个copay 什么的重新开始。在这个九十天的cycle里,Plan a 只付 60 天。剩的得自己付。你要触发另外一个 Plan A 的 60 付,你得触发另外一个cycle, 90 days pass after first date 住院+ 出院没有再住院60 天 For Medicare Part A (Hospital Insurance), the maximum covered hospital stay depends on the benefit period and the type of care needed. Here’s a breakdown of coverage limits: 1. Inpatient Hospital Stay (Per Benefit Period) Days 1–60: You pay the Part A deductible ($1,632 in 2024) for the first 60 days. Days 61–90: You pay a daily coinsurance ($408/day in 2024). Days 91+: You can use lifetime reserve days (up to 60 total in your lifetime) with a coinsurance ($816/day in 2024). Beyond Lifetime Reserve Days: Medicare stops covering, and you pay 100% of costs. 2. Skilled Nursing Facility (SNF) Stay (After a 3-Day Hospital Stay) Days 1–20: $0 coinsurance. Days 21–100: You pay $204/day (2024 rate). Beyond 100 Days: Not covered by Medicare Part A. 3. Psychiatric Hospital Stays Limited to 190 days in a lifetime. Key Notes: A benefit period resets after you’ve been out of the hospital/SNF for 60 days. If you need longer stays, consider Medicare Supplement (Medigap) or Medicare Advantage (Part C) plans for extended coverage.
这样一对夫妻一个月的无法节省的最低支出 在2024: 医疗 600/ 人*2=1200, 房产岁加保险加HOA等 =1000 电话+车=100 1200+1000+100=2300 月, 而1. Maximum Social Security Retirement Benefit (2024) If you claim at Full Retirement Age (FRA, 66–67) → $3,822/month If you delay until age 70 → $4,873/month (highest possible) These amounts apply to workers who earned at least the maximum taxable income ($168,600 in 2024) for 35 years., 所以几乎是没有剩余,特别是如果配偶去世了,一个人的收入根本不可能退休养老。
这个需要了解一下SSA历史,1935 SSA开始,白女平均预期寿命最高65,制定退休年龄 65。
按当初设计思路,现在领SSA年龄应该是81岁
AI 概览
When Social Security started in 1935, the average life expectancy in the U.S. was significantly lower than today, particularly for men. For white males, it was around 61 years, and for white females, it was 65 years. African American males had a life expectancy of about 51.1 years, and African American females around 55.5 years. In contrast, today''''s average life expectancies are much higher. Here''''s a more detailed look:
1935 (Social Security Start): White Male: 61 years White Female: 65 years African American Male: 51.1 years African American Female: 55.5 years
Today: White Male: 76.5 years White Female: 81.3 years African American Male: 71.8 years African American Female: 78.0 years
加拿大又不是傻子,你得现在赶快搬过去工作拿身份,年纪大了过去了也没身份拿不到福利。
天价医疗保险,本来就是回收努力一辈子积攒了一点钱的中上产用的,因为能从你身上挤出来海绵里的水。那就有好一点的价格比较贵的Medicare ABDG + Vision Dental 等着你。
大部分老美,买不起这个ABDG,那就有alternative便宜的Medicare Advantage PPO (=ABDG), 那就准备寿命短N年就行了。
特别穷的老人,如果有个七大姑八大姨撑着,让你能熬过几年等待几乎免费的便宜房子的期间,弄个Medicaid,也能活几年。
老了生活不错,即使是医疗,质量好一点点,都是要自己掏更多钱买的。
原来如此。
阿Q的话,最好没病,没病也不需要贵的coverage。如果有病,再好医保也是痛苦。这么一想挺开心😂
这只是体系中的一环
看完这贴,觉得很有必要搞好HSA, 希望将来所有的保险费能从HSA 出就好了。 刚查了下,我们单位会把退休人员65后直接转到A B +Medicare supplement (似乎是D+G), 每月250两人,似乎还不错。我还是坚持下在这退休算了。
2003 年就有华人网了?
每月$250终生享受吗?那好像很爽啊
50岁夫妻都早退的话,退休金存够了吗?通胀这么厉害。常见的是男的继续搬砖女的早退,那么女的回国陪老,夫妻长期分居?
是lifetime 60天吗?那也太少了
退休金账户管理好,里边的钱继续滚,不需要拿出来,老早买的房子请人管理租出去也算一笔收入了。回国陪老的开销小多了,外加没啥压力,血压也不会高,身体也会好。老人本来那时候也需要陪伴了,家里请人做家务,自己也不需要累死累活做家务,孩子正是放飞的时候,大家年轻时也都是18岁离家上大学了呀。