Benefits of Medicare Supplemental Insurance
为了了解医疗pp王者电子官网补充pp王者电子官网是什么以及它是如何运作的, 对医疗pp王者电子官网是什么以及它是如何运作有一个基本的了解是很有帮助的, so let’s start there.
What is Medicare and how does it work?
Medicare is health insurance for people 65 or older, 65岁以下的某些残疾人和任何年龄的终末期肾病患者(需要透析或肾移植的永久性肾衰竭). 它的工作方式是将其划分为单独的“部分”，每个部分与特定的服务(例如web服务)保持一致.e., hospital insurance, 医疗pp王者电子官网和处方药pp王者电子官网), that can either be used together or separately. 让我们来看看每个部分以及它们所涵盖的每个特定服务.
Medicare Part A, B and D:
- Medicare Part A (hospital insurance) 包括住院、专业护理、临终关怀和一些家庭保健.
- Medicare Part B (medical insurance) covers some doctors' visits, medical supplies, preventative services and outpatient care, such as rehabilitation.
- Medicare Part D (prescription drug coverage) covers prescription drugs.
Medicare Part C:
- Medicare Part C (also called Medicare Advantage) is a little different in that it’s actually 一种由私人pp王者电子官网公司出售的替代医疗pp王者电子官网计划，通常包括医疗pp王者电子官网A部分, B and D. 一些医疗pp王者电子官网优惠计划还可能提供额外的福利，如听力、视力和牙科.
什么是医疗补助pp王者电子官网?它是如何运作的?
虽然医疗pp王者电子官网帮助支付与医疗保健相关的许多费用，但它并没有覆盖所有费用. 这就是医疗补充pp王者电子官网可以提供帮助的地方. Medicare Supplement Insurance, also known as Medigap, 是由私人pp王者电子官网公司提供作为“补充”，以帮助支付许多自付费用, such as copayments, coinsurance and deductibles.
医疗pp王者电子官网补充pp王者电子官网可以帮助支付医疗pp王者电子官网不包括的费用，包括:
- Medicare Part A coinsurance and deductibles
- 在达到医疗pp王者电子官网A部分pp王者电子官网的寿命限制后，额外支付365天的住院费用
- 医疗pp王者电子官网B部分共同pp王者电子官网(你获得的大部分服务的20%)和免赔额
- 你可能面临的额外费用，从医生那里接受治疗，收取的费用超过医疗pp王者电子官网同意支付的服务或程序费用
- Hospice coinsurance
- Skilled nursing facility coinsurance
- Emergency care in a foreign country
- Blood transfusions
Are Medicare supplement plans worth it?
Since everyone’s situation is different, 这个问题的答案取决于很多个人因素，包括你的健康状况, your lifestyle, your medical history, your financial situation, 如果你得到这种类型的pp王者电子官网，你将花费额外的钱，如果你需要医疗pp王者电子官网不包括的护理，你可能产生的任何额外费用.
As you consider your options for health care in retirement在美国，花点时间了解不同的pp王者电子官网选项和承保范围是很有帮助的. Medicare.gov has a chart that may help with your decisions. 为你找到合适的补充pp王者电子官网选择可以帮助你减少这些风险 health care costs you will face during retirement.
State Farm® offers six standardized Medicare Supplement Insurance plans. Your State Farm agent 能帮你确定在你的州有什么可用的吗.
