医疗AG捕鱼王在线app下载的基础
Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability AG捕鱼王在线app下载 (SSDI) for a certain amount of time, 或65岁以下及患有终末期肾病(ESRD). 医疗AG捕鱼王在线app下载中心 & 医疗补助服务(CMS)是运行医疗AG捕鱼王在线app下载的联邦机构. The program is funded in part by Social Security and Medicare taxes you pay on your income, 部分是通过医疗AG捕鱼王在线app下载支付的保费, 部分原因是联邦预算.
一旦你符合医疗AG捕鱼王在线app下载资格并注册, you can choose to get your Medicare benefits from Original Medicare, the traditional fee-for-service program offered directly through the federal government, 或者从医疗AG捕鱼王在线app下载优势计划中, a type of private insurance offered by companies that contract with Medicare (the federal government). 原始医疗AG捕鱼王在线app下载包括:
- 甲部(住院/医院AG捕鱼王在线app下载)
- B部分(门诊/医疗AG捕鱼王在线app下载)
If you want Medicare prescription drug coverage (Part D) with Original Medicare, in most cases you will need to actively choose and join a stand-alone Medicare private drug plan (PDP).
如果你参加了医疗AG捕鱼王在线app下载优势计划，你仍然拥有医疗AG捕鱼王在线app下载. This means that you will still owe a monthly Part B premium (and your Part A premium, 如果你有的话). Each Medicare Advantage Plan must provide all Part A and Part B services covered by Original Medicare, 但可以用不同的规则, 成本, 以及可能影响你接受治疗的方式和时间的限制. 医疗AG捕鱼王在线app下载优势计划也可以提供D部分AG捕鱼王在线app下载. Note that if you have health coverage from a union or current or former employer when you become eligible for Medicare, you may automatically be enrolled in a Medicare Advantage Plan that they sponsor. 你可以选择继续这个计划, 转向原始医疗AG捕鱼王在线app下载, 或者参加不同的医疗AG捕鱼王在线app下载优势计划, but you should speak with your employer/union before making any change.
It is important to understand your Medicare coverage choices and to pick your coverage carefully. How you choose to get your benefits and who you get them from can affect your out-of-pocket 成本 and where you can get your care. 例如, 在原始医疗AG捕鱼王在线app下载中, you are covered to go to nearly all doctors and hospitals in the country. 医疗AG捕鱼王在线app下载优惠计划, 另一方面, 通常有网络限制, meaning that you will be more limited in your access to doctors and hospitals. 然而, 医疗AG捕鱼王在线app下载优惠计划 can also provide additional benefits that Original Medicare does not cover, 比如日常的视力或牙齿护理.
医疗AG捕鱼王在线app下载不同于医疗补助, which is another government program that provides health insurance. Medicaid is funded and run by the federal government in partnership with states to cover people with limited incomes. 取决于国家, Medicaid can be available to people below a certain income level who meet other criteria (e.g., age, disability status, pregnancy) or be available to all people below a certain income level. Remember, unlike Medicaid, Medicare eligibility does not depend on income. Also, eligible individuals can have both Medicare and Medicaid and are known as dual-eligibles.
Everyone who has Medicare receives a red, white, and blue Original Medicare card. 如果你选择通过原始医疗AG捕鱼王在线app下载获得AG捕鱼王在线app下载, 您办理服务时要出示这张卡. If you choose to receive your Medicare benefits through a Medicare Advantage Plan, you will still get an Original Medicare card but you will show your Medicare Advantage Plan card when you get services. 不管你是如何获得医疗AG捕鱼王在线app下载福利的, only give your Medicare number to your doctors and health care providers.
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