{"id":193173,"date":"2020-12-01T20:56:19","date_gmt":"2020-12-02T04:56:19","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=193173"},"modified":"2020-12-01T21:13:55","modified_gmt":"2020-12-02T05:13:55","slug":"%e7%9e%ad%e8%a7%a3-medicare-advantage%ef%bc%9a-hmo-%e5%92%8c-ppo-%e8%a8%88%e5%8a%83","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2020\/12\/01\/%e7%9e%ad%e8%a7%a3-medicare-advantage%ef%bc%9a-hmo-%e5%92%8c-ppo-%e8%a8%88%e5%8a%83\/","title":{"rendered":"\u77ad\u89e3 Medicare Advantage\uff1a HMO \u548c PPO"},"content":{"rendered":"\n<p>Medicare Advantage \u8a08\u5283\uff08\u4e5f\u7a31\u70ba Medicare C \u90e8\u5206\uff09\u70ba Medicare \u53c3\u8207\u8005\u63d0\u4f9b\u50b3\u7d71\u91ab\u9662 (A \u90e8\u5206) \u548c\u91ab\u7642\u4fdd\u96aa (B \u90e8\u5206) \u8a08\u5283\u4e0d\u63d0\u4f9b\u7684\u9078\u9805\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u5118\u7ba1\u6240\u6709 Medicare Advantage \u8a08\u5283\u90fd\u5fc5\u9808\u5305\u62ec\u8207&nbsp;Original Medicare \u76f8\u540c\u7684\u627f\u4fdd\u7bc4\u570d\uff0c\u4f46\u8a31\u591a\u8a08\u5283\u9084\u5305\u62ec\u8655\u65b9\u85e5\u4fdd\u96aa\u3001\u5065\u5eb7\u548c\u5065\u8eab\u8a08\u5283\u548c\/\u6216\u7259\u79d1\u3001\u807d\u529b\u548c\u8996\u529b\u798f\u5229\u3002<\/p>\n\n\n\n<p><strong>\u4ec0\u9ebc\u662f<\/strong><strong> Medicare Advantage <\/strong><strong>\u8a08\u5283\uff1f<\/strong><\/p>\n\n\n\n<p>Medicare Advantage \u8a08\u5283\u7531\u7d93\u904e Centers for Medicare and Medicaid Services (CMS) \u6838\u51c6\u7684\u79c1\u4eba\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u3002\u9019\u4e9b\u8a08\u5283\u5fc5\u9808\u9075\u5faa CMS \u898f\u5b9a\uff0c\u4e26\u627f\u4fdd Medicare A \u90e8\u5206 \u548c B \u90e8\u5206\u4e2d\u5305\u542b\u7684\u6240\u6709\u670d\u52d9\u3002\u6709\u4e9b\u8a08\u5283\u7121\u9700\u60a8\u5728\u6a19\u6e96 B \u90e8\u5206\u6bcf\u6708\u4fdd\u8cbb\u4e4b\u5916\u652f\u4ed8\u984d\u5916\u8cbb\u7528\uff0c\u4f46\u6709\u4e9b\u537b\u9700\u8981\u60a8\u652f\u4ed8\u984d\u5916\u8cbb\u7528\u3002\u67d0\u4e9b\u627f\u4fdd\u670d\u52d9\u53ef\u80fd\u9069\u7528\u81ea\u4ed8\u984d\u3001\u5171\u4ed8\u984d\u548c\u5171\u540c\u4fdd\u96aa\u91d1\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u9078\u64c7 Medicare Advantage \u8a08\u5283\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u60a8\u53ef\u80fd\u9700\u8981\u4f7f\u7528\u8a08\u5283\u4e2d\u7684\u8b77\u7406\u63d0\u4f9b\u8005\uff08\u901a\u5e38\u7a31\u70ba\u7db2\u8def\u5167\u63d0\u4f9b\u8005\uff09\u4f86\u7372\u5f97\u6700\u4f4e\u6210\u672c\u7684\u670d\u52d9\u3002<\/li><li>\u60a8\u6240\u652f\u4ed8\u7684\u8cbb\u7528\u5c07\u4e0d\u6703\u8d85\u904e Original Medicare \u6536\u53d6\u7684\u670d\u52d9\u8cbb\u7528\uff08\u5305\u62ec\u5316\u5b78\u7642\u6cd5\u3001\u900f\u6790\u548c\u5c08\u696d\u8b77\u7406\u6a5f\u69cb\u8b77\u7406\u7b49\u670d\u52d9\uff09\u3002<\/li><li>\u60a8\u7684\u5e74\u5ea6\u81ea\u4ed8\u8cbb\u7528\u5c07\u6709\u4e0a\u9650\uff08\u5373\u4f7f Original Medicare \u4e26\u7121\u6b64\u8a2d\u5b9a\uff09\u3002<\/li><\/ul>\n\n\n\n<p>\u5927\u591a\u6578 Medicare Advantage \u8a08\u5283\u7684\u7d50\u69cb\u90fd\u5c6c\u65bc \u5065\u5eb7\u7dad\u8b77\u7d44\u7e54 (HMO) \u6216\u512a\u9078\u63d0\u4f9b\u8005\u7d44\u7e54 (PPO) \u8a08\u5283\u3002\u5982\u679c\u60a8\u5c0d Medicare Advantage \u8a08\u5283\u611f\u8208\u8da3\uff0c\u90a3\u9ebc\u60a8\u5c07\u9700\u8981\u77ad\u89e3 HMO \u548c PPO \u5728\u627f\u4fdd\u7bc4\u570d\u548c\u8cbb\u7528\u65b9\u9762\u7684\u5340\u5225\u3002<\/p>\n\n\n\n<p><strong>HMO <\/strong><strong>\u8207<\/strong><strong> PPO \u2014 <\/strong><strong>\u91cd\u8981\u5340\u5225<\/strong><\/p>\n\n\n\n<p>HMO \u548c PPO \u90fd\u5efa\u7acb\u4e86\u7531\u91ab\u9662\u3001\u91ab\u751f\u548c\u670d\u52d9\u63d0\u4f9b\u8005\u7d44\u6210\u7684\u7db2\u8def\uff0c\u4ee5\u964d\u4f4e\u60a8\u7684\u6210\u672c\u3002\u9019\u4e9b\u8a08\u5283\u4e4b\u9593\u7684\u6700\u5927\u5340\u5225\u5728\u65bc\u5c0d\u8a08\u5283\u4e4b\u5916\u7684\u91ab\u751f\u6216\u5176\u4ed6\u8b77\u7406\u63d0\u4f9b\u8005\u770b\u8a3a\u6642\uff0c\u5b83\u5011\u6240\u63d0\u4f9b\u7684\u9748\u6d3b\u6027\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>HMO \u901a\u5e38\u8981\u6c42\u6d88\u8cbb\u8005\u9078\u64c7\u4e00\u4f4d\u4e3b\u6cbb\u91ab\u5e2b (PCP)\uff0c\u4ed6\u5011\u6703\u627f\u64d4\u8b77\u7406\u5354\u8abf\u54e1\u8077\u8cac\u3002\u5c08\u79d1\u91ab\u751f\u6216\u5176\u4ed6\u63d0\u4f9b\u8005\u7684\u670d\u52d9\u901a\u5e38\u9700\u8981 PCP \u7684\u8f49\u8a3a\uff0c\u4e26\u4e14\u9019\u4e9b\u8f49\u8a3a\u901a\u5e38\u50c5\u9650\u65bc HMO \u7db2\u8def\u4e2d\u7684\u5176\u4ed6\u63d0\u4f9b\u8005\u3002\u5982\u679c\u60a8\u9078\u64c7\u7db2\u8def\u5916\u7684\u91ab\u751f\u6216\u5176\u4ed6\u91ab\u7642\u670d\u52d9\u63d0\u4f9b\u8005\uff0c\u5247\u53ef\u80fd\u9700\u8981\u627f\u64d4\u66f4\u9ad8\u7684\u8cbb\u7528\u3002<\/li><li>\u5927\u591a\u6578 PPO \u90fd\u4e0d\u8981\u6c42\u60a8\u6709 PCP\uff0c\u4e26\u4e14\u60a8\u53ef\u4ee5\u76f4\u63a5\u8207\u60a8\u9078\u64c7\u7684\u4efb\u4f55\u5c08\u79d1\u91ab\u751f\u9032\u884c\u9810\u7d04\u3002\u4f46\u662f\uff0c\u5982\u679c\u60a8\u9078\u64c7 PPO \u7db2\u8def\u5167\u7684\u8b77\u7406\u63d0\u4f9b\u8005\uff0c\u60a8\u7684\u8cbb\u7528\u901a\u5e38\u6703\u66f4\u4f4e \u2013 \u5728\u7db2\u8def\u5916\u91ab\u751f\u8655\u5c31\u8a3a\u53ef\u80fd\u610f\u5473\u8457\u66f4\u9ad8\u7684\u8cbb\u7528\u548c\u53e6\u5916\u7684\u81ea\u4ed8\u984d\u3002<\/li><\/ul>\n\n\n\n<p><strong>\u5e38\u898b\u554f\u984c<\/strong><strong> (FAQ)&nbsp;<\/strong><\/p>\n\n\n\n<p>\u9019\u4e9b\u5dee\u7570\u5c0d\u60a8\u610f\u5473\u8457\u4ec0\u9ebc\uff1f\u56de\u7b54\u4ee5\u4e0b\u554f\u984c\u53ef\u4ee5\u5e6b\u52a9\u60a8\u78ba\u5b9a HMO \u548c PPO \u54ea\u4e00\u500b\u66f4\u9069\u5408\u60a8\u3002<\/p>\n\n\n\n<p><strong>\u554f\uff1a<\/strong><strong>HMO <\/strong><strong>\u548c<\/strong><strong> PPO <\/strong><strong>\u7684\u8cbb\u7528\u662f\u5426\u4e0d\u540c\uff1f<\/strong><\/p>\n\n\n\n<p>\u7b54\uff1a\u7531\u65bc HMO \u6d88\u8cbb\u8005\u5fc5\u9808\u4f7f\u7528 HMO \u7db2\u8def\u5167\u7684\u91ab\u9662\u548c\u670d\u52d9\u63d0\u4f9b\u8005\uff0c\u56e0\u6b64\u4ed6\u5011\u901a\u5e38\u6703\u652f\u4ed8\u66f4\u4f4e\u7684\u4fdd\u8cbb\u3002\u4f7f\u7528 HMO \u7684\u81ea\u4ed8\u8cbb\u7528\u4e5f\u6703\u66f4\u4f4e\u3002<\/p>\n\n\n\n<p><strong>\u554f\uff1a\u5982\u679c\u6211\u5df2\u7d93\u5728\u4f7f\u7528<\/strong><strong> HMO <\/strong><strong>\u7db2\u8def\u5916\u91ab\u751f\u6216\u5c08\u79d1\u91ab\u751f\u7684\u670d\u52d9\uff0c\u90a3\u9ebc<\/strong><strong> HMO <\/strong><strong>\u662f\u5426\u6703\u627f\u4fdd\u9019\u4e9b\u8cbb\u7528\uff1f<\/strong><\/p>\n\n\n\n<p>\u7b54\uff1a\u9664\u975e\u6709\u771f\u6b63\u7684\u91ab\u7642\u7dca\u6025\u60c5\u6cc1\uff0c\u5426\u5247 HMO \u901a\u5e38\u4e0d\u6703\u627f\u4fdd\u7db2\u8def\u5916\u670d\u52d9\u3002PPO \u53ef\u4ee5\u63d0\u4f9b\u66f4\u5927\u7684\u9748\u6d3b\u6027\uff0c\u4f46\u662f\u60a8\u7684\u5171\u4ed8\u984d\/\u5171\u540c\u4fdd\u96aa\u91d1\u5c07\u66f4<br>\u9ad8\uff0c\u4e26\u4e14\u5c07\u6709\u55ae\u7368\u7684\u81ea\u4ed8\u984d\u3002<\/p>\n\n\n\n<p><strong>\u554f\uff1a\u6211\u662f\u5426\u80fd\u5728<\/strong><strong> HMO <\/strong><strong>\u6216<\/strong><strong> PPO <\/strong><strong>\u4e2d\u7372\u5f97\u8655\u65b9\u85e5\u4fdd\u96aa\uff1f<\/strong><\/p>\n\n\n\n<p>\u7b54\uff1a\u662f\u7684\uff0c\u4f5c\u70ba\u8a08\u5283\u798f\u5229\u4e4b\u4e00\uff0c\u5927\u591a\u6578 Medicare Advantage HMO \u548c PPO \u90fd\u63d0\u200b\u200b\u4f9b Medicare Advantage \u8655\u65b9\u85e5\u8a08\u5283\u3002<\/p>\n\n\n\n<p><strong>\u554f\uff1a\u6211\u662f\u5426\u9700\u8981\u7ba1\u7406\u6211\u7684\u7d22\u8ce0\uff1f<\/strong><\/p>\n\n\n\n<p>\u7b54\uff1a\u7531\u65bc HMO \u662f\u4e00\u500b\u5c01\u9589\u5f0f\u7db2\u8def\uff0c\u56e0\u6b64\u60a8\u901a\u5e38\u7121\u9700\u5411 HMO Medicare Advantage \u8a08\u5283\u63d0\u51fa\u7d22\u8ce0\u3002\u5982\u679c\u60a8\u6709 PPO \u8a08\u5283\uff0c\u5247\u60a8\u53ef\u80fd\u5fc5\u9808\u76f4\u63a5\u5411\u7db2\u8def\u5916\u63d0\u4f9b\u8005\u652f\u4ed8\u81ea\u4ed8\u8cbb\u7528\uff0c\u7136\u5f8c\u518d\u63d0\u51fa\u88dc\u511f\u7d22\u8ce0\u3002<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"biz,local\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1606856179\"\r\n\t            data-title=\"\u77ad\u89e3 Medicare Advantage\uff1a HMO \u548c PPO\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Medicare Advantage \u8a08\u5283\uff08\u4e5f\u7a31\u70ba Medicare C \u90e8\u5206\uff09\u70ba Medicare \u53c3\u8207\u8005\u63d0\u4f9b\u50b3\u7d71\u91ab\u9662 (A \u90e8\u5206) \u548c\u91ab\u7642\u4fdd\u96aa (B \u90e8\u5206) \u8a08\u5283\u4e0d\u63d0\u4f9b\u7684\u9078\u9805\u3002<\/p>\n","protected":false},"author":1,"featured_media":193174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false},"categories":[13,7],"tags":[],"series":[],"class_list":["post-193173","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-biz","category-local"],"aioseo_notices":[],"featured_image_urls":{"thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/12\/522931859_happy_senior_couple_with_laptop_and_digital_tablet-150x150.jpg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/12\/522931859_happy_senior_couple_with_laptop_and_digital_tablet.jpg","episode_player_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/11\/avatars-DFF30y5My1u3eZvX-2nXMSw-original.jpg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/newsforchinese.com\/v3\/feed\/podcast\/%e8%80%81%e4%b8%ad%e5%bb%a3%e6%92%ad%e9%9b%bb%e5%8f%b0","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"djn52Jubk0\"><a href=\"https:\/\/newsforchinese.com\/v3\/2020\/12\/01\/%e7%9e%ad%e8%a7%a3-medicare-advantage%ef%bc%9a-hmo-%e5%92%8c-ppo-%e8%a8%88%e5%8a%83\/\">\u77ad\u89e3 Medicare Advantage\uff1a HMO \u548c PPO<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2020\/12\/01\/%e7%9e%ad%e8%a7%a3-medicare-advantage%ef%bc%9a-hmo-%e5%92%8c-ppo-%e8%a8%88%e5%8a%83\/embed\/#?secret=djn52Jubk0\" width=\"500\" height=\"350\" title=\"&#8220;\u77ad\u89e3 Medicare Advantage\uff1a HMO \u548c PPO&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"djn52Jubk0\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var 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2020","format":false,"excerpt":"\u6bcf\u5e74 10 \u6708 15 \u65e5\u5230 12 \u6708 7 \u65e5\u90fd\u662f Medicare \u53c3\u8207\u8005\u7684\u5e74\u5ea6\u958b\u653e\u53c3\u4fdd\u671f\uff0c\u5728\u6b64\u671f\u9593\uff0c\u4ed6\u5011\u53ef\u4ee5\u8b8a\u66f4 Medicare Advantage \u8a08\u5283\u3002 \u60a8\u5fc5\u9808\u6bcf\u5e74\u5be9\u8996\u60a8\u7684 Medicare \u9078\u64c7\uff0c\u9019\u4e00\u9ede\u81f3\u95dc\u91cd\u8981\uff0c\u56e0\u70ba\u8a08\u5283\u798f\u5229\u548c\u8cbb\u7528\u53ef\u80fd\u6bcf\u5e74\u90fd\u6703\u8b8a\u5316\uff0c\u800c\u60a8\u53ef\u80fd\u6703\u627e\u5230\u53e6\u4e00\u7a2e\u53ef\u4ee5\u7c21\u5316\u60a8\u7684\u91ab\u7642\u4fdd\u5065\u9ad4\u9a57\u7684\u8a08\u5283\u3002 \u7b2c\u4e00\u6b65 \u2013 \u5be9\u8996\u60a8\u7684\u7576\u524d\u8a08\u5283\u2026\u5728\u53c3\u4fdd\u671f\u958b\u59cb\u4e4b\u524d \u78ba\u5b9a\u662f\u5426\u8981\u8b8a\u66f4 Medicare Advantage \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 \u4e26\u4e0d\u662f\u4e00\u9805\u901a\u7528\u7684\u8a08\u5283\u3002\u60a8\u53ef\u4ee5\u5728\u6bcf\u500b\u958b\u653e\u53c3\u4fdd\u671f\u9593\u9032\u884c\u9078\u64c7\u3002\u4ee5\u4e0b\u662f\u60a8\u53ef\u4ee5\u8003\u616e\u7684\u9078\u9805\uff1a Original Medicare\uff0c\u5305\u62ec A \u90e8\u5206\uff08\u627f\u4fdd\u91ab\u7642\u4f4f\u9662\u8b77\u7406\u3001\u5c08\u696d\u8b77\u7406\u6a5f\u69cb\u4f4f\u9662\u6cbb\u7642\u3001\u81e8\u7d42\u95dc\u61f7\u8b77\u7406\u548c\u90e8\u5206\u5c45\u5bb6\u91ab\u7642\u4fdd\u5065\u670d\u52d9\uff09\u548c B \u90e8\u5206\uff08\u627f\u4fdd\u67d0\u4e9b\u91ab\u5e2b\u670d\u52d9\u3001\u9580\u8a3a\u6cbb\u7642\u3001\u91ab\u7642\u7528\u54c1\u548c\u9810\u9632\u6027\u670d\u52d9\uff09\u3002A \u90e8\u5206\u5c0d\u5927\u591a\u6578\u4eba\u514d\u8cbb\uff0cB \u90e8\u5206\u6703\u6709\u4e00\u5b9a\u4fdd\u8cbb\uff082018 \u5e74\u5927\u591a\u6578\u4eba\u7684 B \u90e8\u5206\u4fdd\u8cbb\u70ba\u2026","rel":"","context":"In &quot;\u5065\u5eb7\u990a\u751f&quot;","block_context":{"text":"\u5065\u5eb7\u990a\u751f","link":"https:\/\/newsforchinese.com\/v3\/category\/health\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/522931859_happy_senior_couple_with_laptop_and_digital_tablet.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/522931859_happy_senior_couple_with_laptop_and_digital_tablet.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/522931859_happy_senior_couple_with_laptop_and_digital_tablet.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/522931859_happy_senior_couple_with_laptop_and_digital_tablet.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/522931859_happy_senior_couple_with_laptop_and_digital_tablet.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":15655,"url":"https:\/\/newsforchinese.com\/v3\/2011\/05\/10\/medicare\/","url_meta":{"origin":193173,"position":1},"title":"\u806f\u90a6\u91ab\u7642\u4fdd\u96aaMedicare","author":"Raymond","date":"May 10, 2011","format":false,"excerpt":"\u5982\u679c\u6536\u5165\u4f4e\u800c\u4e14\u8cc7\u7522\u6709\u9650\uff0c\u60a8\u6240\u5c45\u4f4f\u7684\u5dde\u653f\u5e9c\u53ef\u80fd\u6703\u5354\u52a9\u652f\u4ed8\u60a8\u7684\u806f\u90a6\u91ab\u7642\u4fdd\u96aa Medicare \u7684\u4fdd\u96aa\u8cbb\uff0c\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u9084\u53ef\u80fd\u652f\u4ed8\u5176\u5b83\u300c\u81ea\u5df1\u9700\u8981\u652f\u4ed8\u300d\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u4f8b\u5982\u81ea\u4ed8\u6263\u9664\u984d\u4ee5\u53ca\u81ea\u4ed8\u7684\u5176\u4ed6\u8cbb\u7528\u3002","rel":"","context":"In &quot;\u7f8e\u570b\u65b0\u805e&quot;","block_context":{"text":"\u7f8e\u570b\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":236160,"url":"https:\/\/newsforchinese.com\/v3\/2023\/03\/11\/%e5%9c%8b%e5%ae%b6%e4%ba%9e%e5%a4%aa%e8%80%81%e9%bd%a1%e5%8c%96%e4%b8%ad%e5%bf%83%e5%b0%88%e6%ac%84\/","url_meta":{"origin":193173,"position":2},"title":"\u570b\u5bb6\u4e9e\u592a\u8001\u9f61\u5316\u4e2d\u5fc3\u5c08\u6b04","author":"Raymond","date":"March 11, 2023","format":false,"excerpt":"\u570b\u5bb6\u4e9e\u592a\u8001\u9f61\u5316\u4e2d\u5fc3 (NAPCA) \u662f\u4e00\u5bb6\u975e\u71df\u5229\u7d44\u7e54\uff0c\u81f4\u529b\u65bc\u6539\u5584\u83ef\u88d4\u5e74\u9577\u8005\u53ca\u5176\u5bb6\u4eba\u7684\u751f\u6d3b\u8cea\u91cf\u3002 NAPCA\u7684\u5e74\u9577\u8005\u5e6b\u52a9\u4e2d\u5fc3 (NAPSAC) \u6b63\u9762\u5411\u5e74\u9577\u8005\u53ca\u5176\u770b\u8b77\u8005\u63d0\u4f9b\u591a\u8a9e\u8a00\u5e6b\u52a9\u3002\u5728\u672c\u6708\u5ea6\u5c08\u6b04\u4e2d\uff0c\u6211\u5011\u60f3\u5206\u4eab\u4e00\u4e9b\u91cd\u8981\u7684\u8b80\u8005\u63d0\u554f\uff0c\u5e0c\u671b\u5b83\u5011\u53ef\u4ee5\u5e6b\u52a9\u5230\u60a8\u3002 #1 \u554f\uff1a \u6211\u572862 \u6b72\u6642\u53ef\u4ee5\u4eab\u53d7\u54ea\u4e9b\u793e\u6703\u4fdd\u969c\u798f\u5229\uff1f\u8207 65 \u6b72\u7684\u4eba\u6536\u5230\u7684\u798f\u5229\u76f8\u6bd4\u5982\u4f55\uff1f \u7b54\uff1a \u7576\u60a8\u5e74\u6eff62\u6b72\uff0c\u60a8\u53ef\u63d0\u524d\u958b\u59cb\u9818\u53d6\u793e\u6703\u4fdd\u969c\u9000\u4f11\u91d1\u3002 \u4f46\u5982\u679c\u60a8\u5728\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u524d\u958b\u59cb\u9818\u53d6\uff0c\u6bcf\u6708\u91d1\u984d\u6839\u64da\u6240\u63d0\u524d\u7684\u5e74\u6578\u6bcf\u5e74\u6e1b\u5c118%\u3002 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\u60a8\u7684\u59bb\u5b50\u7121\u9700\u6210\u70ba\u7f8e\u570b\u516c\u6c11\u5373\u53ef\u7372\u5f97\u798f\u5229\u3002\u7576\u6c38\u4e45\u5408\u6cd5\u5c45\u6c11\u5e74\u6eff62\u6b72\uff0c\u4e14\u5df2\u7d93\u5de5\u4f5c\u4e26\u7e73\u7d0d\u81f3\u5c1110\u5e74\u621640\u500b\u5b63\u5ea6\u7684\u793e\u6703\u4fdd\u969c\u7a05\uff0c\u4ed6\u5011\u5247\u6709\u8cc7\u683c\u4eab\u6709\u793e\u6703\u4fdd\u969c\u9000\u4f11\u798f\u5229\u3002 \u4f46\u7531\u65bc\u60a8\u7684\u59bb\u5b50\u672a\u66fe\u5728\u7f8e\u570b\u5de5\u4f5c\uff0c\u5979\u6700\u591a\u53ef\u7372\u5f97\u60a8\u798f\u5229\u768450%\u7684\u914d\u5076\u793e\u6703\u4fdd\u969c\u798f\u5229\u3002\u5728\u60a8\u958b\u59cb\u9818\u53d6\u793e\u6703\u4fdd\u969c\u9000\u4f11\u91d1\u5f8c\uff0c\u5979\u5c07\u6709\u8cc7\u683c\u5728\u597962\u6b72\u6642\u9818\u53d6\u798f\u5229\u3002\u7136\u800c\uff0c\u5982\u679c\u5979\u80fd\u5728\u9054\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u6642\u518d\u7533\u8acb\u9818\u53d6\uff0c\u5979\u7684\u6bcf\u6708\u798f\u5229\u6703\u66f4\u9ad8\u3002 #3 \u554f\uff1a \u4ec0\u9ebc\u662fMedicare \uff1f\u8ab0\u53ef\u4ee5\u7372\u5f97\u5b83\uff1f \u7b54\uff1a Medicare\u662f\u4e00\u9805\u91dd\u5c0d65\u6b72\u6216\u4ee5\u4e0a\u4eba\u58eb\u7684\u5065\u5eb7\u4fdd\u96aa\u8a08\u5283\u3002Medicare\u53ef\u4ee5\u5e6b\u52a9\u652f\u4ed8\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\uff0c\u4f46\u5b83\u7121\u6cd5\u6db5\u84cb\u5168\u90e8\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u6216\u5927\u591a\u6578\u9577\u671f\u8b77\u7406\u8cbb\u7528\u3002 Original Medicare (\u539f\u6709\u7684Medicare) \u5305\u62ecA\u90e8\u5206\u548cB\u90e8\u5206\uff1a A\u90e8\u5206\u662f\u91ab\u9662\u4fdd\u96aa\uff0c\u5e6b\u52a9\u652f\u4ed8\u4f4f\u9662\u75c5\u4eba\u7684\u4f4f\u9662\u8b77\u7406\u8cbb\u7528\u6216\u4f4f\u9662\u5f8c\u5728\u5c08\u696d\u8b77\u7406\u6a5f\u69cb\u4e00\u5b9a\u6642\u9593\u5167\u7684\u8b77\u7406\u8cbb\u7528\uff0c\u4ee5\u53ca\u7279\u5b9a\u7684\u5bb6\u5ead\u4fdd\u5065\u548c\u81e8\u7d42\u95dc\u61f7\u8cbb\u7528\uff1b B\u90e8\u5206\u662f\u91ab\u7642\u4fdd\u96aa\uff0c\u5e6b\u52a9\u652f\u4ed8\u91ab\u9662\u4fdd\u96aa\u4e0d\u627f\u64d4\u7684\u91ab\u751f\u670d\u52d9\u53ca\u8a31\u591a\u5176\u4ed6\u91ab\u7642\u670d\u52d9\u548c\u7528\u54c1\u7684\u8cbb\u7528\u3002 Medicare\u9084\u5305\u62ecC\u90e8\u5206\u548cD\u90e8\u5206\uff1a C\u90e8\u5206\u88ab\u7a31\u70baMedicare Advantage (Medicare\u512a\u52e2\u8a08\u5283) \uff0c\u9019\u4e9b\u8a08\u5283\u5df2\u7372\u5f97Medicare \u6279\u51c6\uff0c\u7531\u79c1\u4eba\u516c\u53f8\u63d0\u4f9b\u3002\u8a31\u591a\u512a\u52e2\u8a08\u5283\u5305\u62ec\u85e5\u7269\u627f\u4fdd\u548c\u5176\u4ed6\u984d\u5916\u798f\u5229\uff1b D\u90e8\u5206\u662f\u85e5\u7269\u4fdd\u96aa\uff0c\u5e6b\u52a9\u652f\u4ed8\u8655\u65b9\u85e5\u8cbb\u7528\u3002 #4 \u554f\uff1a \u6211\u73fe\u572865\u6b72\uff0c\u6c92\u6709\u5de5\u4f5c\u7a4d\u5206\u3002\u6211\u59bb\u5b50\u670940\u500b\u7a4d\u5206\uff0c\u6253\u7b97\u660e\u5e74\u6eff62\u6b72\u6642\u7533\u8acb\u63d0\u524d\u9000\u4f11\u3002\u6211\u73fe\u5728\u53ef\u4ee5\u7533\u8acbMedicare A\u90e8\u5206\u55ce\uff1f\u5b83\u662f\u514d\u8cbb\u7684\u55ce\uff1f \u7b54\uff1a \u53d6\u6c7a\u65bc\u60a8\u7684\u5c45\u4f4f\/\u516c\u6c11\u8eab\u4efd\u53ca\u60a8\u6240\u5728\u7684\u5dde\uff0c\u60a8\u73fe\u5728\u53ef\u80fd\u6709\u8cc7\u683c\u7372\u5f97\u4f4e\u6210\u672c\u6216\u514d\u8cbb\u7684A\u90e8\u5206\u3002\u6216\u8005\uff0c\u60a8\u53ef\u4ee5\u7b49\u5230\u60a8\u7684\u59bb\u5b50\u5e74\u6eff62\u6b72\u6642\u518d\u7533\u8acb\u514d\u8cbb\u7684A\u90e8\u5206\u3002\u5982\u60a8\u9700\u8981\u7533\u8acb\u5e6b\u52a9\uff0c\u8acb\u806f\u7e6b\u6211\u5011\u3002 #5 \u554f\uff1a\u2026","rel":"","context":"In &quot;\u5065\u5eb7\u990a\u751f&quot;","block_context":{"text":"\u5065\u5eb7\u990a\u751f","link":"https:\/\/newsforchinese.com\/v3\/category\/health\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/06\/seniors-3.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/06\/seniors-3.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/06\/seniors-3.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":258019,"url":"https:\/\/newsforchinese.com\/v3\/2024\/05\/04\/%e5%85%a8%e7%be%8e%e4%ba%9e%e5%a4%aa%e8%a3%94%e8%80%86%e8%80%81%e4%b8%ad%e5%bf%83%e4%bf%9d%e5%81%a5%e5%b0%88%e6%ac%84-10\/","url_meta":{"origin":193173,"position":3},"title":"\u5168\u7f8e\u4e9e\u592a\u88d4\u8006\u8001\u4e2d\u5fc3\u4fdd\u5065\u5c08\u6b04 10","author":"Raymond","date":"May 4, 2024","format":false,"excerpt":"\u5728\u672c\u6708\u7684\u5c08\u6b04\u4e2d\uff0c\u6211\u5011\u6311\u9078\u4e86\u5e7e\u500b\u95dc\u65bcMedicare\uff08\u7d05\u85cd\u5361\uff09\u548c\u5176\u4ed6\u793e\u6703\u798f\u5229\u7684\u5e38\u898b\u554f\u984c\u60f3\u8981\u548c\u60a8\u5206\u4eab\u3002 <Q1> \u5982\u679c\u6211\u525b\u6eff65\u6b72\uff0c\u90a3\u6211\u9084\u80fd\u8a3b\u518aMedicare\uff08\u7d05\u85cd\u5361\uff09\u55ce\uff1f \u662f\u7684\uff0c\u60a8\u53ef\u4ee5\u8a3b\u518a\u3002Medicare\u662f\u4e00\u9805\u91dd\u5c0d65\u6b72\u6216\u4ee5\u4e0a\u4eba\u58eb\u7684\u5065\u5eb7\u4fdd\u96aa\u8a08\u756b\u3002\u5982\u679c\u60a8\u5728\u6eff65\u6b72\u4e4b\u524d\uff0c\u5df2\u7d93\u9818\u53d6\u793e\u6703\u4fdd\u969c\u798f\u5229\u56db\u500b\u6708\u6216\u4ee5\u4e0a\uff0c\u90a3\u60a8\u6703\u81ea\u52d5\u52a0\u5165Medicare\u3002\u5982\u679c\u8a72\u60c5\u6cc1\u4e0d\u9069\u7528\u65bc\u60a8\uff0c\u5247\u60a8\u9700\u8981\u81ea\u5df1\u8a3b\u518aMedicare\u3002\u60a8\u5728\u4e03\u500b\u6708\u7684\u521d\u59cb\u8a3b\u518a\u671f\u5167\u8a3b\u518aMedicare\u6642\uff0c\u60a8\u5c07\u5f97\u5230Medicare A\u90e8\u5206\uff08\u91ab\u9662\u4fdd\u96aa\uff09\u548cPart B\uff08\u91ab\u7642\u4fdd\u96aa\uff09\uff0c\u9019\u88ab\u7a31\u70ba\u539f\u6709\u7684Medicare\u3002 \u60a8\u5fc5\u9808\u70baB\u90e8\u5206\u548c\/\u6216A\u90e8\u5206\u652f\u4ed8\u6bcf\u6708\u4fdd\u8cbb\uff08\u5728\u5927\u591a\u6578\u60c5\u6cc1\u4e0b\uff0c\u5982\u679c\u53d7\u76ca\u4eba\u6216\u5176\u914d\u5076\u64c1\u6709\u81f3\u5c1140\u500b\u793e\u6703\u4fdd\u969c\u5de5\u4f5c\u7a4d\u5206\uff0c\u5247\u7121\u9700\u652f\u4ed8A\u90e8\u5206\u7684\u6bcf\u6708\u4fdd\u8cbb\uff09\u3002\u60a8\u9700\u652f\u4ed820%\u7684\u5171\u4ed8\u984d\u548c\u514d\u8ce0\u984d\u3002\u5982\u679c\u60a8\u60f3\u586b\u88dc\u9019\u4e9b\u8cbb\u7528\u5dee\u984d\uff0c\u60a8\u53ef\u4ee5\u9078\u64c7\u8cfc\u8cb7Medicare C\u90e8\u5206\uff08Medicare \u512a\u52e2\u8a08\u756b\uff09\u6216Medigap\uff08\u4e5f\u7a31\u70baMedicare\u88dc\u5145\u4fdd\u96aa\uff09\u3002 Medicare D\u90e8\u5206\uff0c\u53ef\u4ee5\u7406\u89e3\u70ba\u85e5\u7269\u8a08\u756b\uff0c\u4e5f\u5c31\u662f\u8aaaMedicare D\u90e8\u5206\u6703\u5305\u542b\u85e5\u7269\u3002\u5982\u679c\u60a8\u6709\u539f\u6709\u7684Medicare\u4e26\u4e14\u9700\u8981\u85e5\u7269\u4fdd\u96aa\uff0c\u60a8\u61c9\u8cfc\u8cb7\u8a72\u85e5\u7269\u8a08\u756b\uff0c\u6216\u8005\u901a\u904eMedicare \u512a\u52e2\u8a08\u756b\u7372\u5f97\u85e5\u7269\u4fdd\u96aa\uff0c \u56e0\u70ba\u8a31\u591a\u512a\u52e2\u8a08\u756b\u90fd\u5305\u542b\u85e5\u7269\u3002 <Q2> \u4ec0\u9ebc\u662fMedicare\uff08\u7d05\u85cd\u5361\uff09\u512a\u52e2\u8a08\u756b\u4ee5\u53caMedigap\uff08Medicare\u88dc\u5145\u4fdd\u96aa\uff09\uff1f \u5982\u679c\u60a8\u5df2\u7d93\u64c1\u6709A\u90e8\u5206\u548cB\u90e8\u5206\uff0c\u90a3\u9ebc\u60a8\u53ef\u4ee5\u9078\u64c7\u52a0\u5165Medicare \u512a\u52e2\u8a08\u756b\uff0c\u6709\u6642\u7a31\u70ba\u201cC\u90e8\u5206\u201d\u6216\u201cMA\u8a08\u756b\u201d\u3002\u512a\u52e2\u8a08\u756b\u81f3\u5c11\u63d0\u4f9b\u8207\u539f\u6709\u7684Medicare\u76f8\u540c\u7684\u798f\u5229\u3002\u8207\u539f\u6709\u7684Medicare\u4e0d\u540c\uff0c\u512a\u52e2\u8a08\u756b\u53ef\u4ee5\u63d0\u4f9b\u984d\u5916\u7684\u798f\u5229\uff0c\u5982\u7259\u79d1\u6216\u8996\u529b\u65b9\u9762\u7684\u4fdd\u96aa\uff0c\u4e26\u8a2d\u6709\u5e74\u5ea6\u81ea\u4ed8\u984d\u4e0a\u9650\u3002\u8a31\u591a\u512a\u52e2\u8a08\u756b\u4e5f\u5c07\u85e5\u7269\u4fdd\u96aa\u4f5c\u70ba\u5176\u798f\u5229\u7684\u4e00\u90e8\u5206\u3002\u60a8\u9700\u8981\u70ba\u512a\u52e2\u8a08\u756b\u652f\u4ed8\u6bcf\u6708\u4fdd\u8cbb\uff0c\u4f46\u4e5f\u5b58\u5728\u67d0\u4e9b\u512a\u52e2\u8a08\u756b\u7684\u6708\u8cbb\u70ba\u96f6\u3002\u7531\u6b64\uff0c\u60a8\u53ef\u4ee5\u5728\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u4e0a\u7bc0\u7701\u5927\u91cf\u8cbb\u7528\u3002\u7136\u800c\uff0c\u512a\u52e2\u8a08\u756b\u901a\u5e38\u6709\u7db2\u8def\u9650\u5236\uff0c\u9019\u610f\u5473\u8457\u60a8\u5728\u9078\u64c7\u91ab\u751f\u3001\u91ab\u9662\u548c\u670d\u52d9\u5340\u57df\u6642\u53ef\u80fd\u6703\u53d7\u5230\u9650\u5236\u3002\u5728\u512a\u52e2\u8a08\u756b\u4e0b\uff0c\u60a8\u53ef\u80fd\u9700\u8981\u5f97\u5230\u60a8\u7684\u5bb6\u5ead\u91ab\u751f\u8f49\u8a3a\u5f8c\uff0c\u624d\u80fd\u7372\u5f97\u5c08\u79d1\u91ab\u751f\u670d\u52d9\uff0c\u6216\u8005\u9700\u8981\u8a08\u756b\u7684\u4e8b\u5148\u6388\u6b0a\u3002\u5982\u679c\u60a8\u66f4\u95dc\u5fc3\u4fdd\u96aa\u7684\u82b1\u8cbb\uff0c\u6216\u8005\u60a8\u4f4f\u5728\u57ce\u5e02\u5730\u5340\uff0c\u512a\u52e2\u8a08\u756b\u53ef\u80fd\u662f\u4e00\u500b\u4e0d\u932f\u7684\u9078\u9805\u3002 Medigap\uff08Medicare\u88dc\u5145\u4fdd\u96aa\uff09\u662f\u4e00\u7a2e\u79c1\u4eba\u5065\u5eb7\u4fdd\u96aa\u653f\u7b56\uff0c\u7528\u65bc\u586b\u88dc\u8cbb\u7528\u5206\u6524\u7f3a\u53e3\uff0c\u4f8b\u5982 Medicare A \u90e8\u5206\u548c B \u90e8\u5206\u7684 20% \u5171\u4ed8\u984d\uff0c\u4e26\u4e14\u53ea\u6709\u52a0\u5165\u539f\u6709\u7684Medicare \u7684\u500b\u4eba\u624d\u80fd\u8cfc\u8cb7\u3002Medigap\u4e0d\u63d0\u4f9b\u85e5\u7269\u4fdd\u96aa\u6216\u5176\u4ed6\u984d\u5916\u798f\u5229\uff08\u5982\u7259\u79d1\u6216\u8996\u529b\u4fdd\u96aa\uff09\u3002\u5982\u679c\u60a8\u9700\u8981\u984d\u5916\u7684\u4fdd\u96aa\uff0c\u60a8\u9700\u8981\u53e6\u5916\u8cfc\u8cb7\u60a8\u60f3\u8981\u6dfb\u52a0\u7684\u4fdd\u96aa\u8a08\u756b\u3002\u60a8\u9700\u8981\u70baB\u90e8\u5206\u548cMedigap\u8a08\u756b\u652f\u4ed8\u6bcf\u6708\u4fdd\u8cbb\uff08\u5982\u6709\uff0c\u5247\u9084\u5305\u62ec\u984d\u5916\u4fdd\u96aa\u7684\u8cbb\u7528\uff09\uff0c\u6bcf\u6708\u7e3d\u8a08\u7d04400\u7f8e\u5143\u6216\u4ee5\u4e0a\u3002\u5c0d\u65bc\u9700\u8981\u7d93\u5e38\u8b77\u7406\u7684\u6162\u6027\u75c5\u60a3\u8005\u3001\u7d93\u5e38\u65c5\u884c\u6216\u5c45\u4f4f\u5728\u8fb2\u6751\u5730\u5340\u7684\u4eba\u4f86\u8aaa\uff0c\u539f\u6709\u7684Medicare\u52a0\u4e0aMedigap\uff08\u53ef\u9078\u64c7\u52a0\u5165\/\u4e0d\u52a0\u5165\u85e5\u7269\u8a08\u756b\uff09\u5c07\u662f\u4e00\u500b\u4e0d\u932f\u7684\u9078\u64c7\u3002 <Q3> \u60a8\u77e5\u9053\u60a8\u4e5f\u53ef\u80fd\u6709\u8cc7\u683c\u7372\u5f97\u80fd\u6e90\u8cbb\u7528\u63f4\u52a9\u55ce\uff1f 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