甚麼是 老人醫療保險（Medicare）？
問得好。我們協助您或您的摯愛可輕鬆取得想要的答案。
可否從基本內容開始介紹？
Sure. Medicare is America's health insurance program for people age 65 and older (and for people with certain disabilities). To get it, you must be a U.S. citizen or legal resident.
這項保險是否承保找醫生或到醫院就診？
Medicare has different "parts" that cover different things. You choose the ones that best meet your healthcare needs. 我們來看看前兩個部份：
Part A pays for hospital stays. Plus, some home health and hospice care.
Part B pays for doctor visits and care. It also covers some other health needs, like flu shots and walkers.
A和B部份 一起稱為「傳統老人醫療保險」。
處方藥呢？
They're not covered in Original Medicare, so you'll need to add a separate plan, known as a Medicare prescription drug plan (Part D). These plans are offered by private insurance companies and are approved by the government.
D部份承保由醫生開立處方的藥物。
您已經解釋了A部份、B部份及D部份，不是還有C部份嗎？
Yes. Part C can give you all the above-and more-in one convenient package. 這些計劃稱為老人醫療保險Medicare Advantage計劃，這些由私營保險公司提供的計劃已經獲得政府的核准。
Part C (Medicare Advantage plan) provides all the benefits of Part A (Hospital Insurance) and Part B (Medical Insurance), and often includes extra benefits they do not cover, such as dental and vision. Some of these plans also include prescription drug coverage (Part D).
有任何其他我應該知道的選項嗎？
還有一個名為老人醫療保險Medicare補充保險（Medigap）保單的保險計劃選項；您可將此加到傳統老人醫療保險中。
A Medigap policy can help pay for certain healthcare costs that you will have with Original Medicare, such as deductibles and copays. Keep in mind that you cannot have a Medicare Advantage plan and a Medigap policy at the same time. You must choose one or the other.
我現在瞭解老人醫療保險（Medicare）的基本內容，我可如何取得這種保險？
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