Medicare plan options and costs are subject to change each year.
- Medicare Part C is one of many Medicare options.
- Part C plans cover what original Medicare covers那一种N.d many Part C plans offer additional coverage for things like dental, vision, and hearing.
- C是由私人保险公司管理的一部分N.d costs or set by those companies.
- 第C计划可用于您的邮政编码。
原医疗保险一种N.dMedicare Part C（Medicare Advantage）一种re different insurance options with differentcosts。如果您有资格获得原始医疗保险，但想要用于处方药和其他服务的额外保险，医疗保险部分C可能是您的好选择。
Several factors determine Medicare Part C costs, such as premiums, deductibles, copayments, and coinsurance. These amounts can range from $0 to hundreds of dollars for monthly premiums and yearly deductibles.
In this article, we’ll explore Medicare Part C costs, the factors that contribute to them, and compare a few plan costs from around the United States.
您的大部分医疗保险部分C成本将由pl一种N.你选。但是，您的生活方式和财务状况也可能对您的成本产生影响。
Here are some of the most common factors that affect what you’ll pay for a Medicare Part C plan:
- 保费。一些医疗保险部分C计划是“免费”，这意味着他们没有每月溢价。即使是A.零溢价Medicare Advantage plan, you may still owe theB部分保险。
- 推卸。Most Medicare Part C plans have both a plandeductible一种N.d a drug deductible. Many (but not all) of the free Medicare Advantage plans offer a $0 plan deductible.
- 共同一种N.d coinsurance.共同您将为每位医生的访问或处方药重新填充欠款。Coinsurance一种mounts are any percentage of services you must pay out of pocket after your deductible has been met.
- 计划类型。The type of plan you choose can also have an impact on how much your Medicare Part C plan may cost. For example, if you’re on anHMO or PPOplan but choose to visit an out-of-network provider, this can increase your costs.
- 超出口袋。Medicare第C部分的一个优点是所有计划都有一个超出口袋最大值。这一数量有所不同，但可以从数千美元到高达10,000美元的千分之一。
- Lifestyle.While original Medicare covers services nationwide, most Medicare Advantage plans are location-based. This means that if you travel often, you may find yourself stuck with out-of-town medical bills.
- 收入。您的年度总收入也可以考虑到您的Medicare Part成本支付多少费用。对于缺乏收入或资源的人，有些计划可以帮助降低Medicare费用。
与Medicare Part C计划有一些不同的成本。根据您的价格，您的费用可能看起来不同覆盖范围，计划类型，以及您是否收到任何额外的财政援助。
以下是美国各地城市主要保险供应商的Medicare Part C的小型计划费用：
| 计划名称 | City | 每月 premium |
健康免赔额，可扣除免药 | Primary doctor copay | 专家科普 | 超出口袋 |
|---|---|---|---|---|---|---|
| Anthem MediBlue StartSmart Plus (HMO) | 洛杉矶，加州 | $ 0. | $ 0.那$ 0. | 5美元 | $ 0- $ 20 | $3,000 in network |
| Cigna真皮选择Medicare（PPO） | 丹佛，CO. | $ 0. | $ 0.那$ 0. | $ 0. | $35 | 5美元那900 in network, $11,300 in and out of network |
| HumanaChoice H5216-006 (PPO) | Madison, WI | $46 | $ 0，250美元 | $10 | $45 | 网络5,500美元，8,250美元进出网络 |
| Humana Gold Plus H0028-042 (HMO) | 休斯顿，TX. | $ 0. | $ 0.那$ 0. | $ 0. | $20 | 3450美元 in network |
| Aetna Medicare Premier Plan (PPO) | 纳什维尔，TN. | $ 0. | $ 0.那$ 0. | $ 0. | $40 | 网络上的7,500美元，网络超过网络11,300美元 |
| Kaiser Permanente Medicare Advantage Standard MD (HMO) | 巴尔的摩，MD | $25 | $ 0.那$ 0. | $10 | $40 | $6,900 in network |
上述估计值为2022，只是每个区域提供的许多计划选项的采样。
根据您的个人医疗保健情况，对于Medicare第C计划成本的更加个人估计，请访问此Medicare.gov计划查找器工具并输入您的邮政编码以比较您附近的计划。
大多数公司提供Medicare Part C计划有各种方式来支付溢价。这些选项包括：
- online缴费
- 自动退出您的银行账户
- 一种utomatic withdrawal from your Social Security或铁路退休委员会福利检查
- 支票或汇票
- Medicare Part C是寻求额外保险的Medicare受益人的覆盖范围。
- Your Medicare Part C costs will include premiums, deductibles, copayments, and coinsurance.
- Your costs will also be determined based on your plan type, how often you need medical services, and what type of doctors you see.
- 如果您年满65岁或以上或有某些残疾，您有资格申请Medicare。
- 访问社会保障管理局网站有关如何申请和注册的更多信息。