关于医疗保险的问题

如果你是医疗保险的新手, there are several questions you should consider while approaching or within your Initial Enrollment Period (IEP) or a Special Enrollment Period (SEP). Use this guide to consider your options when preparing to enroll in Medicare or after you have already enrolled.

1. 基础是什么?? Medicare is a complex program and can sometimes be confusing. The best place to start when you are new to Medicare is by familiarizing yourself with the differences between it and the health insurance you have now. Learn what makes a person Medicare-eligible, the different parts of Medicare insurance and what those parts cover, 参加医疗保险的时间, and how putting off enrollment can result in penalties. These initial steps will help smooth the transition from your current insurance to Medicare once you are eligible.
   
   
2. 你们的保险范围有哪些? 每个人都有不同的医疗保健需求, meaning the coverage that is right for your friends or family may not be right for you. Will you enroll in Original Medicare or would you prefer a Medicare Advantage Plan that may limit your provider networks or have different costs but that offers additional coverage? 如果你现在有雇主保险, you may decide not to enroll in Medicare until you have retired. 如果你已经退休了, you might find that Original Medicare plus retiree insurance works better for you than Original Medicare plus a Medigap (or vice versa). Find out the full range of your coverage options.
   
   
3. 你应该参加D部分吗? While you should make sure you enroll in Part D prescription drug coverage when you become Medicare-eligible (assuming you do not have other creditable drug coverage), there are many Part D options for you to explore. 记住, 太, that sometimes retiree insurance offers prescription drug coverage that is as good as or better than Medicare Part D. If that is the case, you might decide not to take Part D because you are already covered. 最后, if you have difficulty affording your drug costs, you may want to consider applying for programs that can help pay these costs.
   
   
4. Are you eligible for programs that help lower Medicare costs? There are several programs for people with low incomes that help pay for Medicare-related costs, 比如保险费和共付额. Some of these programs are federal while others are state-specific. Find out whether you meet the eligibility requirements and take full advantage.
   
   
5. What resources exist to help you navigate Medicare? Medicare is a complex and beneficial program, and a variety of trusted sources can help you navigate your rights and options. 这里列出了一些:
   
   1 - 800 -医疗保险
   -Social Security Administration (http://www.ssa.gov /)
   -State Health 保险 Assistance Program (SHIP) (http://www.shiptacenter.org/)
   -医疗保险权利中心(http://www).medicarerights.org/)

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