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\u8a08\u5283\u9996\u5148\u8981\u77ad\u89e3\u60a8\u7576\u524d\u7684\u8cbb\u7528\u3001\u4f7f\u7528\u60c5\u6cc1\u548c\u798f\u5229\u3002\u5728\u958b\u653e\u53c3\u4fdd\u671f\u958b\u59cb\u4e4b\u524d\u4fbf\u9032\u884c\u6b64\u6b65\u9a5f\uff0c\u60a8\u53ef\u4ee5\u9996\u5148\u601d\u8003\u4ee5\u4e0b\u5e7e\u500b\u554f\u984c\uff1a \u60a8\u9700\u8981\u652f\u4ed8\u591a\u5c11\u8cbb\u7528\uff1f\u5c07\u60a8\u7576\u524d\u4fdd\u96aa\u7684\u6bcf\u6708\u4fdd\u8cbb\u76f8\u52a0\uff0c\u7121\u8ad6\u662f\u5305\u542b\u88dc\u5145 Medigap \u4fdd\u55ae\u7684 Medicare B \u90e8\u5206\u8a08\u5283\u3001D \u90e8\u5206\u8655\u65b9\u85e5\u4fdd\u96aa\u8cbb\u7528\uff0c\u9084\u662f\u60a8\u7684 Medicare Advantage \u8a08\u5283\u6bcf\u6708\u4fdd\u8cbb\u3002\u60a8\u53bb\u5e74\u652f\u4ed8\u4e86\u54ea\u4e9b\u984d\u5916\u8cbb\u7528\uff1f\u60a8\u53ef\u80fd\u5df2\u7d93\u652f\u4ed8\u4e86\u81ea\u4ed8\u984d\u3001\u5171\u4ed8\u984d\u6216\u5171\u540c\u4fdd\u96aa\u91d1\uff1b\u6216\u8005\uff0c\u60a8\u53ef\u80fd\u9700\u8981\u60a8\u7576\u524d\u7684\u8a08\u5283\u4e0d\u627f\u4fdd\u7684\u5176\u4ed6\u91ab\u7642\u670d\u52d9\u3002\u660e\u5e74\u60a8\u53ef\u80fd\u9700\u8981\u54ea\u4e9b\u4fdd\u96aa\u7bc4\u570d\uff1f\u5982\u679c\u60a8\u7684\u5065\u5eb7\u72c0\u6cc1\u767c\u751f\u8b8a\u5316\uff0c\u6216\u8005\u60a8\u8a8d\u70ba\u5c07\u4f86\u53ef\u80fd\u8981\u9032\u884c\u985e\u4f3c\u819d\u95dc\u7bc0\u7f6e\u63db\u7b49\u5927\u624b\u8853\uff0c\u90a3\u9ebc\u60a8\u9700\u8981\u652f\u4ed8\u591a\u5c11\u81ea\u4ed8\u8cbb\u7528\uff1f \u7b2c\u4e8c\u6b65 \u2013 \u77ad\u89e3\u60a8\u7684\u9078\u64c7 Medicare 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