想听一听各位对于各种Medicare计划的建议,是直接参加政府的计划(Part A, B and D)好呢,还是找 Part C

雾蒙蒙雨霏霏
楼主 (文学峸)

想听一听各位对于各种Medicare计划的建议,是直接参加政府的计划(Part A, B and D)好呢,还是找 Part C (Medical Advantage Plan)? 如果想加入Medical Advantage Plan,大家有什么好的公司/计划可以给我们推荐的吗?另外牙齿和眼睛保险怎么弄比较好呢?

s
shanzhongke
有钱参加政府计划,没钱参加Par C.
雾蒙蒙雨霏霏
为什么呢?我的理解是Part C不会比政府计划更便宜,至少是一样,我搞错了吗?
s
shanzhongke
买传统的MEDICARE 的PartA,B,D,另外再买Plan G

买传统的MEDICARE 的PartA,B,D,另外再买Plan G,每月总费用400美元,每年另外自付203 美元后,随便看医生,以及住院,全报销。

PartC,费用低,大病自掏腰包很多钱。不能随便看医生。类似HMO.

柠檬椰子汁
dental and vision

Vision is simple.  $60 per year prescription check, and go to https://www.zennioptical.com/ for discount glasses.  Around Xmas I got two pairs of prescription glasses for less than 100.  Normal glasses shop is just rip off. 

Dental is at most a discount plan.   If you don't pay the dental premium you'll be saving around $1500 a year.  My family have dental cleaning covered by our medical plan, and we just put away that $1500 and going to pay for it ourselves.  The dental plan is just too much hassel with the estimate etc.  A filling cost $200, if I have to get a root canal and crown, so be it.  It's expensive but not that expensive. 

柠檬椰子汁
plan B has no out of pocket maximum, that I don't like

I would consider medicare advantage. 

雾蒙蒙雨霏霏
谢谢,懂了。 先在政府那里注册 Plan A 和 B (Original Plan), 然后再自己找 Medicare Adva
雾蒙蒙雨霏霏
谢谢,懂了.先在政府那里注册 Plan A 和 B (Original Plan),然后再自己找 Medicare Advant
柠檬椰子汁
I have no idea, still early for me
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xlfan11
You sign up at SSA website for Part A&B, then choose MA or MG

in the market. The best is to find a local Medicare agent (as this is a free service) to explore options for both MA or MG plans available in your area.

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xlfan11
It's easier to switch from MG to MA, but not the other way aroun

As you may need medical underwriting later on to switch from MA to MG. Your agent should know more about the rules of switching.

雾蒙蒙雨霏霏
多谢!
雾蒙蒙雨霏霏
再谢。