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退休医疗保险优势计划和补充计划

65岁以上 且 报税超过40点

Medicare Essentials

​如果您即将年满 65 岁,或已经符合 Medicare 资格,并且拥有足够的 Medicare 工作季度,您可能可以申请 Medicare 联邦医疗保险。
吉明保险提供多家保险公司的 Medicare Advantage、Medicare Supplement 以及相关 Medicare 保险方案,包括 Kaiser Permanente、Devoted Health、UnitedHealthcare、Humana、Aetna、Anthem、HealthSpring 和 Select Health 等。

许多 Medicare Advantage 计划提供 $0 月保费选择,并可能包含牙科、视力、OTC、健身以及其他额外福利。不同计划的保险网络、医疗费用和额外福利会有所不同,我们可以根据您的医生、处方药和个人需求帮助您进行比较。

​

从2026年1月1日起(2027内容即将更新)

Part A (A部分):住院保险: 自付额 - $1,736.00 

Part A 自负保费: $565/月

Part B (B部分):医疗保险 / 门诊保险: 自付额-$283.00 后20%; 每月保险费 $202.90

Part C (C部分):优势计划-涵盖额外福利

Part D (D部分):处方药物保险 (需额外付费)- $2,400.00 最高处方药自付上线

医疗保险公司

Only for Medicare Members

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各大退休医疗保险优势计划比较 (推荐计划)

 Medicare Advantage Plans Comparison

​*本表格仅供参考,详细且准确医疗保险保额内容请参看各保险公司保单文件

以下所列的 2027 年 Medicare Advantage Core Plans,每月计划保费(Monthly Plan Premium)均为 $0,且医疗自付额(Medical Deductible)均为 $0。以下比较将重点展示各计划在医疗服务自付费用、处方药福利、网络及额外福利方面的主要差异。 All 2027 Medicare Advantage Core Plans listed below have a $0 monthly plan premium and a $0 medical deductible. The comparison below focuses on the key differences in medical cost sharing, prescription drug benefits, provider networks, and additional benefits.

​计划名字
Plan Name

Kaiser Senior
Core DM

Devoted
Core 004 CO

Humana
Total Complete

UHC AARP®  MA Extras CO-5

Aetna
Medicare Prime

HealthSpring
Preferred

Plan Code

​

年度最高自付额 MOOP

​

​​医疗网络

Provider Network

H0630-015​

​​

$4,400

​

​

HMO

H7147-004

​

$4,450

​

​

HMO

H5178-003

​

$4,650

​

​

HMO - UC Health

H0609-048

​

$6,900

​

​

HMO-POS

H5593-008

​

$5,000

​​

​

HMO-POS

H2752-005

​

$5,150

​

​

HMO

家庭医生
PCP Copay

专科医生
Specialist Copay

实验室化验
Lab

X光检查
X-Ray

CT, 核磁共振等检查
CT,MRI...

$0

$25

$0

$0

$280

$0

$25

$0-$25

$0-$25

$100-$300

$0

$20

$0

$0-$145

$205-$345

$0

$60

$0

$5

$320

$0

$30

$0

$30

$265

$0

$35

$0

$5-$40

$300

Major Medical Services

主要医疗服务

住院1-5/6天
Inpatient Day 1-5/6

非住院手术
Outpatient Surgery

​救护车
Ambulance
24小时急诊
Emerhency Care

紧急护理中心
Urgent Care

$370

$260

$325

$150

$65

$275

$375

$315

$150

$45

$400

$325

$325

$115

$40

$550

$550

$290

$130

$50

$375

$375

$255

$130

$50

$415

$415

$300

$130

$50

Prescription Drug Benefits

处方药福利

2027 Part D Annual Out-of-Pocket Maximum: $2,400

2027 年 Part D 处方药年度最高自付额:$2,400

第三类以上自付额
Tier 3+ Deductible
副厂药
Tier 2 Generic

优惠原厂药
Tier 3 Perferred Brand

原厂药
Tier 4 Brand

​特殊药
Tier 5 Specialty

$0

$3


$45

$90

33%

$465

$0

15%

25%

26%

$0

$5

17%

50%

33%

$685

$5

22%

27%

26%

$400

$0

17%

30%

29%

$500

$4

20%

25%

28%

Additional Benefits

额外福利

眼镜报销
Eyewaer

牙齿保险最多报销
Dental

非处方药/额外福利
OTC/Food Card

健身房会员
Gym

$250

$1,000

$20/季度

One Pass

$350

$3,500

$100/季度

SilverSneakers

$250

$1,750

-
​
SilverSneakers

$250

$2,000

$50/季度

​包括

$250

$1,250

$30/季度

SilverSneakers

$125

$800

$15/季度

​包括

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2027 Medicare Part B 保费返还计划

Medicare Part B Giveback Plans Comparison

部分 Medicare Advantage 计划提供 Medicare Part B 保费返还(Part B Giveback / Buydown)。加入符合条件的计划后,保险公司会通过 Medicare 和 Social Security 帮助降低您每月需要支付的 Part B 保费。 不同 Giveback 计划的返还金额、医疗网络、医疗自付费用以及额外福利可能有明显差异。因此,选择 Giveback Plan 时,不应该只比较每月返还金额,也需要综合考虑医生网络及实际医疗福利。 Some Medicare Advantage plans offer a Medicare Part B Giveback (Part B Premium Reduction/Buydown), which may reduce the amount you pay toward your monthly Medicare Part B premium. Giveback amounts, provider networks, medical cost sharing, and additional benefits can vary significantly by plan. When comparing Giveback Plans, it is important to consider not only the monthly Part B reduction, but also the provider network and overall plan benefits.

Plan Name

​计划名字

Plan Type

​

Monthly Premium / 每月保费

​

Part B Giveback / Part B 保费返还

​

Medical MOOP / 医疗最高自付额

​

​

​Dental Benefit / 牙科福利​

Devoted Choice Giveback

PPO

​

$0​

​

$169/mo

​

$8,950 In-Network / $11,850 Combined

​

$250

Devoted Giveback Extras

HMO

​

$0​

​

$90/mo

​

$6,750

​​

​

$3,000

Humana Essentials Plus Giveback

PPO

​

$0​

​

$97/mo

​

$7,850

​​

​

$2,000

​Medicare + Medicaid

退休人员医疗保险 + 低收入医疗保险 (D-SNP)

​符合退休人员医疗保险

Medicare Eligible

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月收入低于$1,153

Monthly Income Less Than $1,153

​极少的资产

Few Assets

如果您同时符合 Medicare 和 Medicaid,您可能有资格参加 Dual Eligible Special Needs Plan(D-SNP)。对于符合相应 Medicaid 资格等级的会员,许多 Medicare 医疗服务的自付费用可能由 Medicaid 或计划规则承担。不同 D-SNP 计划之间,更值得比较的是 医疗网络、适用的 Medicaid 资格等级,以及牙科、视力、助听器、OTC、食品/生活补助、交通等额外福利。 If you have both Medicare and Medicaid, you may qualify for a Dual Eligible Special Needs Plan (D-SNP). Depending on your Medicaid eligibility level and plan rules, many Medicare-covered medical services may have little or no member cost sharing. The most important differences between D-SNP plans are often the provider network, Medicaid eligibility requirements, and additional benefits such as dental, vision, hearing, OTC, food or utility allowances, and transportation.

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​计划名字

Kaiser
Dual Complete 

Devoted DUAL FULL

Humana
Choice SNP-DE

Aetna
Full Dual Extra Care

Anthem
Dual Advantage

UHC
Dual Complete

Dental / 牙科福利

Vision / 眼镜福利

OTC Allowance / OTC 补助

Food & Grocery Card / 食品杂货卡

$3,500

$500

$75/季度


-

$3,000

$350

$50/季度


$306/月

$3,000

$350

$240/月


$245/月
Included in OTC

$3,000

$200

$225/月


$225/月
Included in OTC

$4,000

$525

$140/月


$140/月
Included in OTC

$2,500

$300

$272/月


$272/月
Included in OTC

We do not offer every plan available in your area. Currently, we represent 8 organizations that offer 104 products in your area.

 

Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

吉明保险

Jim Insurance Firm

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Contact

Address

3033 South Parker Road, Suite 320, Aurora, CO 80014

Office: 303-880-5821

Fax: 720-442-0106

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©2020 by Jim Insurance Firm LLC.

​​The offering documents (policies, contracts, etc.) form this website are available only in English. In the event of a dispute, the provisions in the policies and contracts will prevail. 

本网站所有中文解释仅为翻译参考,对于保单、合约等相关文件请以英文原版文件为准。如有争议,一律以保单和合约中的条款为最终解释。

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