A B C， & 医疗保险博士
打破基础
Whether your 65th birthday is on the horizon or decades away, understanding the different parts of 医疗保险 is critical, as this government-sponsored program may play a role in your future health care decisions.
一个部分 & B:原始医疗保险. 有两个组成部分. 在一般情况下, Part A covers inpatient hospital care, 熟练护理设施费用, 临终关怀, 实验室测试, 手术, and some home health care services. 要记住的一件事是, while very few beneficiaries must pay Part A 保费 out of pocket, annually adjusted standard deductibles still apply.1,2
Many pre-retirees are frequently warned that 医疗保险 will only cover a maximum of 100 days of nursing home care (provided certain conditions are met). Part A is the one with these provisions. 根据现行的A部分规定, you would pay $0 for days 1-20 of care in a skilled nursing facility (SNF). During days 21-100, a $204 daily 共同保险 payment may be required of you.1,2
了解A部分的局限性, some people look for other choices when it comes to managing the costs of extended care.
B部分 包括医生费用, 医院门诊服务, 某些家庭保健服务, 耐用的医疗设备, and other offerings not covered by 医疗保险 Part A.2
B部分 does come with some costs, however, which are adjusted annually. 保费各不相同, according to the 医疗保险 recipient's income level, but the standard monthly premium amount is $174.70, and the yearly deductible is $240 for 2024.2
C部分: 医疗保险优惠计划. Sometimes called "医疗保险 Part C," 医疗保险 Advantage (MA) plans are often viewed as an all-in-one alternative to Original 医疗保险. MA plans are offered by private companies approved by the federal government. Although these plans come with standardized minimum coverage, the amount of additional protection offered can differ drastically from one person to the next. This is due to unique provider networks, 保费, 元钱, 共同保险, 以及自付支出限制. 换句话说, comparing prices and services offered by different vendors may be the best way to find a 医疗保险 Advantage plan that works for you.3
D部分: 处方药计划. While 医疗保险优惠计划 often offer prescription drug coverage, insurers also sell federally standardized 医疗保险 Part D plans as a standalone product to those with 医疗保险 Part A and/or B部分. Every Part D plan has its own list (i.e., a "formulary") of covered medications. 访问医疗保险.gov to explore the formulary of approved drugs for your Part D plan as well as their prices, 按层组织.4
事实上，医疗保险.gov is a great place to start all your research. 一旦有, you'll find answers to your most common questions and more information on the different 医疗保险 plans offered in your area.
1. CMS.政府,2023
2. 医疗保险.政府,2023
3. 医疗保险.政府,2023
4. 医疗保险.政府,2023
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