为了cover 政府Part B 自己要付的20% 费用，再买补充保险 Plan N，每次看病20元挂号费，如果每年看病次数多，那就买Plan G，挂号费也免了。这个补充保险还cover国外旅行的医疗费用，不一定是急诊，多少比例忘了，大约是70%。补充保险月费不贵，我每月付220元，各州不一样，不难问到。
不要过多考虑不可预知的因素，这样选择就很简单，只要买一个附加保险。Plan F 还要好，连政府的Part B 的自付额226元都给付了，可惜我这不卖。
Some Advantage plans give $$$$ for Dental and Vision
Such as the Humana plan in South Florid provides $2500 a year, $ deposited on January 1st into a Visa card that it mails to you in Dec to replace the Dental coverage in 2022.
Some Advantage Plans in Broward and Miami Dade county provides $4000 a year to your Visa card. FWIW.
Medicare itself does NOT cover Dental nor Vision (unless for medical reasons, such as Cataract operation).
Many Advantage Plans cover Dental and some Vision for non medical reasons.
Those are Suopplement Plans, Medigap style. Diff things
Everybody has his own need based on his own health status, heritance risk factors, life styles. Balance the benefits versus the Costs. AARP and United definitely want you to buy the supplement plans by playing up the FEAR FACTORS. If you feel it is worth it to buy for "Peace of Mind" and dont care about the costs (as most here should have enough wealth to not care for savings on premiums) then go for those.
That is WHY it is a Good Things there are many options available for you to choose from, versus some feel it should make it simple without choices. (only good for those who are lazy to learn or stupid enough not to understand the differences).
完全退休，一切医疗费用和原来的公司保险无关。
首先参加政府的Medicare，满65岁，收入不是非常高。
Medicare A，管住院，免费。
Medicare B，每月大约160（具体记不住）政府直接扣去。看病每年自己先付226元，然后每次看病付20% 的医疗费用。
Medicare D，只管配药，我每月12元。
为了cover 政府Part B 自己要付的20% 费用，再买补充保险 Plan N，每次看病20元挂号费，如果每年看病次数多，那就买Plan G，挂号费也免了。这个补充保险还cover国外旅行的医疗费用，不一定是急诊，多少比例忘了，大约是70%。补充保险月费不贵，我每月付220元，各州不一样，不难问到。
不要过多考虑不可预知的因素，这样选择就很简单，只要买一个附加保险。Plan F 还要好，连政府的Part B 的自付额226元都给付了，可惜我这不卖。
个人看法，这个组合对我最佳。
Plan A Hospitalization
Plan B Medical (doctor visits)
Plan C Medicare Advantage (instead of A/B)
Plan D Medicare drug benefit
Plan E-N Medigap plans, covering deductible and self-pay for A/B, depending on States.
我问到的dental约$40-60每月，vision再加几块钱
Such as the Humana plan in South Florid provides $2500 a year, $ deposited on January 1st into a Visa card that it mails to you in Dec to replace the Dental coverage in 2022.
Some Advantage Plans in Broward and Miami Dade county provides $4000 a year to your Visa card. FWIW.
Medicare itself does NOT cover Dental nor Vision (unless for medical reasons, such as Cataract operation).
Many Advantage Plans cover Dental and some Vision for non medical reasons.
Everybody has his own need based on his own health status, heritance risk factors, life styles. Balance the benefits versus the Costs. AARP and United definitely want you to buy the supplement plans by playing up the FEAR FACTORS. If you feel it is worth it to buy for "Peace of Mind" and dont care about the costs (as most here should have enough wealth to not care for savings on premiums) then go for those.
That is WHY it is a Good Things there are many options available for you to choose from, versus some feel it should make it simple without choices. (only good for those who are lazy to learn or stupid enough not to understand the differences).
关键我嫌医保麻烦没有用。然后我的看电脑的那副不知是不是太纤细，已经坏了有三次了。我自己不小心掰断的那次Costco有镜架保险也要交59换个新的。
To fear you MIGHT have the need therefore you must pay more to get Medigap supplement, fits into what you say.
最终是否划算难说。上班时公司的牙齿保险，公司付了大头，雇员只付小部分。
收入高一点的, 每人每月要$800以上.
比如root canal之类
和Copay,一年预算需要1万以上啊！而且大部分还是刚性支出，没办法压缩。
退休后连本带利还给你，还没退休就挂了的，亏大发廖。
但是人家木有预扣牙齿税啊？羊毛出在羊身上，SSN木有从你的工资单上预扣牙齿保健的钱，当然就没人给你掏退休后牙医保险金啦。
跟着您的基因走，就像是定时炸弹，到时候起爆，原来还好的牙齿，忽然大痛，不求牙医就没法子活下去，人算不如天算，掏钱吧。
友情相劝，退休后认真买一份牙齿保险，最好是PPO的。牙医是自杀率最高的职业之一，似乎不好意思怪罪人家收钱太狠。
欠债总是要还滴。不买也可以啊，几年不看牙医，省下几千块甚至上万块，到时候一次性付费，外加吃苦头，零存整取的意思啦。
多说无益，俺早就退休了，除了政府的medicare A, B, (他们付费是８０：２０制，如您所说），私家保险的medicare HMO 是必签约滴。
签过，unitedhealthcare ,Healthnet, SCAN, 还有 Central Health。尤其这两年，这些家伙内卷的厉害，争相给咱们送钱。
例如，去年SCAN返还$125/月，相当于政府扣了part B 大概$172, 保险还给俺$125，纯付款几十刀而已，每次看医生，看专科，拿药，全部都是０自费。
外加每个季度$100的OTC药物，弄得连鱼油都不用买廖。除了买牙医保险，看病拿药几乎不要钱。难怪agent说这是美国最好的医疗保险廖。
声明一哈，咱们不是非法移民跑来吃福利滴。那些“免费”其实是上班时交够了税，如今是自己吃自己当年的“存款”，木有白拿别人的银子，拒绝拍砖哈。