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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
如果您今年65岁以上并且有报税超过40个点，那么您就可以符合申请联邦退休计划的要求。我们提供了包括凯撒，Devoted，Aetna，和联合医疗保险提供的优势计划以及补充计划。您在不需要额外支付保费的同时，还可以享受免费的牙齿，视力，健身房会员等福利。
从2026年1月1日起 - - Estimate
Part A (A部分)：住院保险： 自付额 - $1,716.00
Part B (B部分)：医疗保险 / 门诊保险: 自付额-$288.00 后20%; 每月保险费 $206.50
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）- $2,100.00 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
计划名字
Plan Name
Kaiser
Core
Select Health
Medicare
Essential
Humana
Total Complete
Aetna Medicare
Signature
UHC AARP® MA Extras
CO-5
Devoted
Core HMO
保费
Premium
自付额
Deductible
最高额
Out Of Pocket
医疗网络
Provider Network
$-7.00
$0.00
$3,800.00
HMO
$0.00
$0.00
$4,900.00
HMO - UC Health
$0.00
$0.00
$4,650.00
HMO - UC Health
$0.00
$0.00
$6,750.00
HMO-POS
$0.00
$0.00
$5,400.00
HMO-POS
$0.00
$0.00
$3,900.00
HMO
家庭医生挂号费
PCP Copay
专科医生挂号费
Specialist Copay
实验室化验
Lab
X光检查
X-Ray
CT, 核磁共振等检查
CT,MRI...
预防性检查
Preventive Care
$0.00
$20.00
$0.00
$0.00
$280.00
$0.00
$0.00
$35.00
$0.00
$0.00
$100.00
$0.00
$0.00
$25.00
$0.00
$35.00
$200.00
$0.00
$0.00
$45.00
$20.00
$20.00
$300.00
$0.00
$0.00
$40.00
$0.00
$30.00
$260.00
$0.00
$0.00
$25.00
$0.00
$25.00
$200.00
$0.00
住院等大型治疗项目
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
$245.00
$135.00
$325.00
$130.00
$30.00
$375.00
$200.00
$350.00
$130.00
$35.00
$325.00
$225.00
$335.00
$115.00
$50.00
$350.00
$300.00
$265.00
$130.00
$50.00
$450.00
$450.00
$290.00
$130.00
$50.00
$240.00
$240.00
$315.00
$150.00
$45.00
处方药福利
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
$0.00
$3.00
$45.00
$90.00
33%
$0.00
$6.00
$47.00
$100.00
33%
$0.00
$8.00
$47.00
48%
33%
$615.00
$0.00
24%
25%
25%
$600.00
$10.00
16%
37%
26%
$370.00
$0.00
24%
25%
28%
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
$400.00
$1000.00
$25.00/季度
包括
$300.00
$2500.00
$545.00/年
包括
$300.00
$2500.00
$75.00/季度
包括
$100.00
$750.00
*无
包括
$200.00
$3,000.00
$50.00/季度
包括
$350.00
$3500.00
$100/季度
包括
适合人群：
-
已有 Medicare Part A & B
-
居住在科罗拉多州指定服务区域（如 Arapahoe、Denver、Jefferson、Douglas 等县）
-
确诊糖尿病、慢性心力衰竭、心律不齐、冠心病、周边血管疾病或心脏瓣膜疾病
额外福利：
-
每年最高 $3,000 牙科福利
-
每年 $400 视力眼镜/隐形眼镜补助
-
助听器最低 $399/只
-
免费 SilverSneakers 健身会员
-
每月 $368 “食品 & 住房卡” 补助，可用于食物、水电、房租或房贷
-
每季度 $50 OTC（非处方药品）额度
-
额外健康奖励（Devoted Dollars）
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
计划名字
UHC Dual Complete
Kaiser Dual Complete
Devoted DUAL PLUS
Aetna Full Dual Care
Humana Dual Select
每月保费
年自付额
年最高额
医疗网络
$0.00
$0.00
$0.00
HMO-POS
$0.00
$0.00
$8,850.00
HMO
$0.00
$0.00
$9,250.00
HMO
$0.00
$0.00
$9,250.00
HMO
$0.00
$0.00
$6,500.00
HMO
住院1-5天
非住院手术
家庭医生挂号费
专科医生挂号费
预防性检查
24小时急诊
紧急护理中心
救护车
实验室化验
X光检查CT, 核磁共振...
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$1,475一次
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
额外福利
牙齿保险报销
视力/眼镜报销
健身房会员
OTC/额外福利
$2500.00
$250.00
包含
$210/月
$3500.00
$500.00
包括
$75.00/季度
$2000.00
$400.00
包含
*$267.00/月+$50/季度
$2500.00
$250.00
包含
$180.00/月
$3500.00
$125.00
包含
*$175.00/月
处方药福利
$0.00
$0.00
22%
25%
25%
Tier 3 以上自付额
副厂药
优惠原厂药
原厂药
特殊药
$615.00
$0.00
$0.00
$0.00
$0.00
$615.00
$0.00
$0.00
$0.00
$0.00
$615.00
25%
25%
25%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
We do not offer every plan available in your area. Currently we represent 6 organizations which offer 93 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.