費用多少？

That depends on the type of coverage and plan you choose, and your situation. So, check to see what you'll have to pay.

We'd be glad to. Typically, there are costs you pay and costs your Medicare plan pays. The types of costs you have can vary. For example, Original Medicare (Parts A and B) may have different costs than a Medicare Advantage plan (Part C).

有兩種基本的費用種類：

1. 您的醫療保健保險的每月固定費用（您的保費）

2. 您分擔的醫療保健服務費用（這包括自付扣除金、定額手續費和共同保險。）

我們現在來看一看這些費用的運作情形：

For most people, there is no monthly premium for Part A (Hospital Insurance). The federal government assesses a Part B (Medical Insurance) premium, which usually is deducted right from your Social Security benefits.

投保老人醫療保險Medicare Advantage計劃（C部份）時，您將支付B部份保費，外加額外的計劃保費；但是還有低保費，甚至$0的每月計劃保費。

老人醫療保險（Medicare）處方藥計劃（D部份）及Medigap保單則是單獨保費（如果您將這些項目增加到傳統老人醫療保險）。

This is a set amount you may need to pay for healthcare services before your Medicare coverage starts paying its share. Until your total costs reach this amount, you pay.

當您去找醫生或專科醫生、到醫院或其他醫療機構就診，或接受醫療手術等，這是您就醫時可能必須支付的金額。

Plans with coinsurance typically split the cost of covered healthcare services with you after you pay any deductible. You might pay 20%, for instance, while your plan pays 80%.

我應該考慮哪些費用問題？

以下為幾個衡量計劃費用的提示。

不要只是思考保費。

如果您選擇老人醫療保險Medicare Advantage計劃，建議您查看所有費用，而不僅僅是看保費。

例如，較低的每月保費可能會有較高的自付扣除金、較高的定額手續費、較高的共同保險等等。

權衡您的選項。

Adding a Medigap policy to Original Medicare can cover some costs not paid by Medicare. But Medigap policies tend to have high monthly premiums, so consider whether you'll actually be saving on your costs.

此外，老人醫療保險Medicare Advantage計劃的醫療保健服務費用可能會比傳統老人醫療保險的費用低。

注意您的自付費用。

"Maximum out-of-pocket" is the most you'll have to pay for healthcare services in a year. Medicare Advantage plans have a maximum out-of-pocket limit. Original Medicare doesn't.

設定這個上限讓您可掌控費用並且降低風險，因為一旦您達到這個上限之後，您的計劃將針對承保的服務支付100%的費用。

我有醫療補助。我是否可支付較少的老人醫療保險（Medicare）費用？

可以。當您符合雙重資格，您的醫療保健的費用將由老人醫療保險（Medicare）支付（雖然醫療補助可能必須支付某些老人醫療保險（Medicare）所不承保的費用）。

醫療補助會員可透過傳統老人醫療保險老人醫療保險Medicare Advantage計劃取得老人醫療保險（Medicare）承保。

身為醫療補助的會員，您可能享有：

Extra Help: Help with what, you ask? Some or all of your prescription drug coverage (Part D) premiums, deductibles, coinsurance, and/or copayments. (Note: If you have limited income but aren’t on Medicaid, you may also qualify for this benefit, also known as Low Income Subsidy.)

People with Medicaid get Extra Help automatically when they enroll in Medicare. Those without Medicaid who qualify for Extra Help must enroll on their own through the Social Security Administration.

Medicare Savings Program: This program helps pay your Medicare Part A and/or Part B premiums, deductibles, and/or coinsurance. You may have to enroll in the Medicare Savings Program separately, even if you already have Medicaid.

參加老人醫療保險省錢計劃，還可讓您在最初註冊期之外以及在一般註冊期之前投保傳統老人醫療保險。

特殊需要計劃（SNP）： 這種類型的老人醫療保險Medicare Advantage計劃為符合雙重資格的會員提供額外福利和省錢優惠，他們僅需支付少許費用或無需支付費用。

費用多少？

是否有人可以為我簡單地解釋費用？