Medicare计划选项和成本每年都会有所变化。
- Medicare和Medicaid是两个美国政府计划，旨在提供医疗保健。
- 医疗保险涵盖公民65岁及以上，以及那些患有慢性病或残疾的人。
- 医疗补助通常可供收入较低的人员提供，并有助于提供医疗服务，或没有成本。
The terms Medicaid and Medicare are often confused or used interchangeably. They sound extremely similar, but these two programs are actually very different.
每个人都是由自己的一系列法律和政策调节，而且这些计划通常为不同的人设计。但是，可以有资格获得两个程序。
To select the correct program for your needs, it’s important to understand the differences between Medicare and Medicaid.
Medicare是为美国公民65岁及以上的美国公民设计的政策，难以涉及与医疗和治疗相关的费用。该计划为高级公民及其需要进行医疗需求的家庭提供支持。
患有某些残疾的65岁以下的人也可能有资格获得Medicare福利。每种情况都会根据资格要求和程序的详细信息进行评估。
肾脏障碍的最后阶段的人也可以申请医疗保险政策的益处。
有两种Medicare的主要分支可以选择 - 原始Medicare和Medicare优势。
原医疗保险
原医疗保险是一项政府资助的医疗保险选择，其中许多年长的美国人使用Medicare作为他们的主要保险。它涵盖：
- 住院医院服务(Medicare A部分）。这些福利包括医院访问的覆盖范围，临终关怀， 和limited熟练的护理设施护理和家庭医疗保健.
- 门诊医疗服务（Medicare B部分）。These benefits include coverage for预防性健康状况，诊断和治疗服务。
Medicare.Advantage
Medicare Advantage（第C部分）是想要覆盖原始医疗保险但更多覆盖选择的人的保险选择。
Medicare.Advantage plans are offered through private insurance companies. Many of these plans cover services like处方药覆盖范围,dental,vision， 和听力护理that aren’t included in original Medicare.
医疗补助is a program that combines the efforts of the U.S. state and federal governments to assist households in low-income groups with healthcare expenses. These costs may include major hospitalizations and treatments as well as routine medical care.
该计划每年为数百万成人，儿童和残疾人提供服务。在11月2020年11月, 72,204,587 individuals were in enrolled in Medicaid, and 6,695,834 children were enrolled in Children’s Health Insurance Program (CHIP).
Medicare.成本
接受Medicare的人们通过支付医院住宿等物品的资金来支付部分成本。对于医院外的覆盖范围，例如医生的访问或预防性护理，
Medicare需要小的每月保费。对处方药物等物品也可能有一些不满的费用。
这是一个概述成本与原始医疗保险和医疗保险优势：
| 原医疗保险 | Medicare.Advantage | |
|---|---|---|
| 每月溢价 | A部分：通常$ 0;第b部分通常为170.10美元 | varies (can start at $0) |
| Deductible | 部分：每一个1,556美元福利期; part B: $233 | varies (can start at $0); you may have a health and a drug deductible if your plan includes both coverage |
| Coinsurance/copays | 第一个：$ 0，389美元，或每天778美元（取决于您的住宿的长度）;B部分：扣除后所有批准的医疗服务的20％ |
各种各样的（通常，每次访问0-50美元） |
| 超出口袋 | 没有 | $ 3.400- $ 10,000 + |
医疗补助价格
收到医疗补助福利的人通常不必支付所带来的费用，但有些情况需要小额共存。
各国可作为成本分摊的形式收取有限的保费和入学费用。这适用于某些医疗报告群体，包括：
- 孕妇和婴儿的家庭收入超过150％的联邦贫困水平（FPL）
- 合格残疾人和工作人员收入超过150％的FPL
- disabled working individuals eligible under the Ticket to Work and Work Incentives Improvement Act of 1999
- disabled children eligible under the Family Opportunity Act
- 医学上有贫困人物
To enroll in each program, you must meet certain criteria.
Medicare.eligibility
在大多数情况下，医疗保险的资格是基于申请人的年龄。一个人必须是美国的公民或永久居民，65岁或以上才能获得资格。
保费和特定的医疗保险计划资格将取决于支付了多年的医疗保险税。对此的例外是65岁的人，谁拥有一定的文件残疾。
Generally, people who receive Medicare benefits also receive some form of Social Security benefits. Medicare benefits can also be extended to:
- 有资格获得社会保障残疾计划的人，他也是寡妇或较长的人，50岁或以上
- the child of a person who worked a minimum length of time at a government job and paid Medicare taxes
医疗补助资格
Eligibility for Medicaid is based primarily on income. Whether or not someone qualifies depends on income level and family size.
The Affordable Care Act has extended coverage to fill in the healthcare gaps for those with the lowest incomes, establishing a minimum income threshold constant across the country. To find out if you qualify for assistance in your state, visithealthcare.gov..
For the majority of adults under age 65, eligibility is an income lower than133％联邦贫困水平。根据healthcare.gov., this amount for 2021 is approximately $12,880 for an individual and $26,500 for a family of four.
基于其居住地的个人标准，儿童为医疗补助和芯片提供更高的收入水平。
There are also special programs within the Medicaid program that extend coverage to groups in need of immediate assistance, such as pregnant women and those with pressing medical needs.
Medicare.coverage
医疗保险计划中有几个部分，为医疗保健的不同方面提供了覆盖范围。
Medicare A部分提供许多住院医疗保健的覆盖范围，如医院住宿，临终关怀服务，有限的熟练护理和家庭医疗保健。
Medicare B部分是门诊医疗部分。它为商品和服务提供覆盖范围，包括门诊医院护理，医生约会，预防性护理和某些医疗器材.
医疗保险部分C.,或医疗保险优势,是由单独的批准e insurers and includes all the benefits of Medicare parts A and B. These plans may also include other benefits for an extra cost, like dental and vision, as well as prescription drug coverage.
Medicare D.根据联邦规则经营的计划经营，并有助于支付处方药。
医疗补助范围
The benefits covered by Medicaid vary by state, but there are some benefits included in every program.
这些包括：
- 实验室和X射线服务
- 住院患者和门诊医院服务
- 计划生育服务，如节日和护士助产士服务
- 健康筛查和适用儿童的医疗治疗
- 成人护理设施服务
- surgical dental services for adults
Because Medicaid is different in each state, you may want to connect with a caseworker in your state to assess your situation and get help applying.
People who qualify for both Medicare and Medicaid are considered双重符合条件. In this case, you may have original Medicare (parts A and B) or a Medicare Advantage plan (Part C), and Medicare will cover your prescription drugs under Part D.
医疗补助也可能涵盖Medicare没有的其他护理和药物，所以拥有两者都可能会涵盖您的大部分医疗费用。
Medicare和Medicaid是两个美国政府计划，旨在帮助不同的人口获得医疗保健。
Medicare.typically covers citizens age 65 and over and those with certain chronic conditions or disabilities, while Medicaid eligibility is mainly based on income level and need.