
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
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


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
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

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.

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.
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