沒夠點數的人可以自費買，不能享受政府的Medicare benefit（政府不補貼）。

來源: cxz2509 於 2016-10-14 08:19:53 [檔案] [博客] [舊帖] [給我悄悄話] 閱讀數 : (927 bytes)

本帖於 2016-10-14 08:24:24 時間, 由普通用戶 cxz2509 編輯

回答: Medicare 的資格。（轉貼）對於從來沒有在美國工作過的，請看裏麵紅色部分。由白雲青山於 2016-10-14 07:49:29

I think you talk about "Medicare Eligibility" here and the post from another person earlier was talking about some misunderstanding people have about "Medicare Benefit"

"Medicare Eligibility" is for every US citizen above 65 or with some disabilities and also for every legal resident after 5 years of residency.

"Medicare Benefit" from the government is for people who pay payroll tax and accumulate enough points so that the government pays for most of the premium cost.

The difference is in the premium and benefits. Usually people don't get enough points will need to pay about $700s-900s/month to buy both Part A and Part B once they become eligible and have higher deductibles too. Most Chinese seniors here don't buy Medicare out of pocket because they can't afford it.

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所有跟帖：

• 對啊，我說的就是資格，你看看那篇怎麽說：誤解二: 隻要有報稅，即可擁有「聯邦醫療保險」資格? -白雲青山- ♂ (934 bytes) () 10/14/2016 postreply 08:25:52

• :) -cxz2509- ♀ (0 bytes) () 10/14/2016 postreply 08:26:44

• 的確很多中國老人不會付錢買，不論有錢沒錢。比如在北上廣有兩棟房子，上萬人民幣退休金（夫婦兩人），沒聽到誰付錢買的。 -白雲青山- ♂ (0 bytes) () 10/14/2016 postreply 08:28:17

• 2015年後不買保險要罰款，2016年的罰款要比2015高很多。 -Gbdjw- ♀ (0 bytes) () 10/14/2016 postreply 09:00:30

• 人家不是不要保險，隻是不必花錢買而已。 -白雲青山- ♂ (0 bytes) () 10/14/2016 postreply 09:10:40

• Medical, 專給低收入群體，不是聯邦政府，是各個州政府的 -Gbdjw- ♀ (0 bytes) () 10/14/2016 postreply 09:19:34

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