還工作，錢不緊買PPO，雇住也付的多；退休你的學習先搞清楚（65後）Medicare 體係再說

 

• Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
• Part B (Medical Insurance): Covers certain doctors' services, outpatient care, medical supplies, and preventive services. Together, Parts A and B are known as Original Medicare.
• Part C (Medicare Advantage): An "all-in-one" alternative to Original Medicare offered by private companies like Aetna or UnitedHealthcare. It bundles Parts A, B, and usually D, often providing extra benefits like vision or dental.
• Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs. These plans are run by private insurance companies that follow rules set by Medicare. 

 

 

Letter	Type	What it Covers	Provided By
Part A	Core	Hospital/Inpatient care	Federal Government
Part B	Core	Doctor visits/Outpatient care	Federal Government
Part C	Bundle	Alternative to A & B; usually includes D	Private Insurer
Part D	Specific	Prescription drugs	Private Insurer
Plan G	Supplement	"Gaps" like coinsurance and Part A deductible	Private Insurer