Medicare Advantage Plans
医疗保险优选计划
Medicare Advantage Plans, sometimes called Medicare Part C, are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:
医疗保险优选计划，有时称为医疗保险C部分，是医疗保险项目的一部分。加入这些计划后，您通常通过医疗保险优选计划获得所有医疗保险覆盖的医疗服务。此覆盖可以包括处方药覆盖。医疗保险优选计划包括：
- Medicare Health Maintenance Organization (HMOs)
- 医疗保险健康维护组织（HMOs）
- Preferred Provider Organizations (PPO)
- 优先提供者组织（PPO）
- Private Fee-for-Service Plans
- 私人收费服务计划
- Medicare Special Needs Plans (D-SNP)
- 医疗保险特殊需要计划
When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, there generally are extra benefits and lower co-payments than in the Original Medicare Plan*. Most Medicare Advantage Plans are managed care plans, usually a health maintenance organization (HMO) or a preferred provider organization (PPO) and you may have to see doctors that belong to the plan or go to certain hospitals to get services.
加入医疗保险优选计划后，您将使用从计划中获得的健康保险卡来进行医疗服务。在大多数这些计划中，通常会提供额外的福利和比原始医疗保险计划更低的共付额*。大多数医疗保险优选计划是管理式医疗计划，通常是健康维护组织（HMO）或优先提供者组织（PPO），您可能需要就医于属于该计划的医生或前往特定医院才能获得服务。
To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you may have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer. In 2024, the standard Part B premium amount is $174.70 (or higher depending on your income). However, some people who get Social Security benefits pay less than this amount.
要加入医疗保险优选计划，您必须拥有医疗保险A和B部分。您需要向医疗保险支付每月的B部分保费。此外，您可能还需要向医疗保险优选计划支付月度保费，以获得他们提供的额外福利。2024年，标准的B部分保费为174.70美元（或根据您的收入而高于该金额）。不过，某些领取社会保障福利的人支付的金额可能低于此标准。
When can I enroll?
何时可以注册？
Keep in mind that Medicare limits when you can join, switch, or drop a Medicare Advantage Plan. You can join a plan when you first become eligible for Medicare. This is anytime beginning three months before the month you turn 65 and ends three months after the month you turned 65.
请注意，医疗保险限制您加入、切换或取消医疗保险优选计划的时间。您可以在首次符合医疗保险资格时加入计划。该时间段为您65岁生日前的三个月开始，到您65岁生日后的三个月结束。
- For example, if you turn 65 on May 5, your eligibility period starts on February 1 and ends on August 31.
- 例如，如果您在5月5日满65岁，您的资格期从2月1日开始，到8月31日结束
- If you are disabled and have Social Security Disability Insurance, you can join an advantage plan three months before to three months after month 25 of your disability.
- 如果您因残疾获得社会保障残疾保险，您可以在第25个月前的三个月到之后的三个月内加入优选计划
- You can switch or drop your Medicare Advantage during an enrollment period between October 15 and December 7 of each year.
- 您可以在每年的10月15日至12月7日的注册期间切换或取消您的医疗保险优选计划。
This information obtained from www.medicare.gov
* Page 2 https://www.medicare.gov/Pubs/pdf/12026-Understanding-Medicare-Advantage-Plans.pdf
By contacting the phone number on this website you will be directed to a licensed agent.
通过拨打该网站上的电话号码，您将被引导联系到持牌代理人