说一个常识，medicare 不覆盖LTC ， 传统Medicare 没有maximum Out of pocket

看到下面的争执，说一下。

 

https://www.medicare.gov/coverage/long-term-care

 

https://www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements

第一个，很老了，不能自理了，就不管。

今天讨论Medicare 这么急烈，有人都上火了。这里的有钱人，无须担心极端情况

在这家产2千万美元的退休生活，远不如国内每月两万退休金的活得滋润

原因就在这，国内两万退休金可以住有高档养老院高档护理包吃包住还有剩余，两千万美元家产的退休生活还住不了homeless的养老院，更不用说私人养老院了

坛子里的人LTC自费整个十年估计也没问题，少留点资产给儿女而己

胡址，一个把向药就让你倾家荡产

有用的进口药都在医保覆盖范围，不在医保覆盖范围内的

都是没什么用的药，不管药起什么名字都没用

Medicare Advantage Plan 就有OOPmax了。花费是一样的。

https://www.aarp.org/health/medicare-insurance/enrollment-guide/about/costs-coverage/comparing-options/?cmp=KNC-DSO-MEDICARE-Medicare-Enrollment-NonBrand-Phrase-43485-GOOG-ComparingMedicareOptions-Phrase-NonBrand&gad_source=1&gclid=CjwKCAjwg-24BhB_EiwA1ZOx8uLCDY1lSpSa1-ZUnSFkE2diK79Dm_gUUJcbE0Y_spyBwJDDh6eYBRoCgaAQAvD_BwE&gclsrc=aw.ds

 

这个说得太极端了。在国内主要是有大批亲友所以心理上有一种有依靠的感觉，实际还是要凭财产

特别是地位

Advantage Plan就是HMO, 看专科医生还要referral，退休后

医疗降级

谁都可以住高档养老院，不需看地位

只要每月能交费用就可以了

您又胡扯啦,可不至一个人说您爱在这乱说, Medicare Advantage 提供PPO

Yes, Medicare Advantage offers Preferred Provider Organization (PPO) plans. A Medicare Advantage PPO plan is a type of Medicare Advantage plan that provides the same coverage as Medicare Advantage, but with the cost and service benefits of a PPO.      Anyone who is eligible for Medicare can enroll in a Medicare Advantage PPO plan. PPO plans offer a network of healthcare providers, including hospitals, doctors, and specialists, that you can use. You can also see providers outside of the network, but you'll likely pay more for those services.      Some things to consider about Medicare Advantage PPO plans include:

是的， C 和 G 就是解决这个问题的

这个是由商业保险提供的。

发言以前起码google一下，不会丢面子。

https://www.uhc.com/news-articles/medicare-articles/the-difference-between-medicare-hmo-and-ppo-plans

 

我记得以前讨论过medicare advantage （C）和medigap (F/G/...) 的优缺点

记得讨论结果是钻牛角尖总会有点取舍区别，

但是我看就粗线条来说，都差不多，都能保证不破产。

人人都有医保？

辉瑞的新冠神药，对重危症新冠有效率95%就不在国内医保上，你得到一定级别才给你用，找人买都不卖你

进口药医院不给你开。自费可以

別的新冠药，最好的有效率才34%，却在国内医保上，因为便宜

LTC有保险可以买。不过真用到LTC的时候，生命也不剩下几个月了。

当然看地位，知道杭州的一个高级养老院高干交钱非常少。

有一种说法是平穷限制了想象，还有一种是井底之蛙

你真的不懂，LZ说的是advantage，你却扯

advantage ppo。advantage和advantage ppo是不同的东西

你说的是advantage，不是

现在很多研究揭示没啥大用，真有用就不会

死百万

太复杂的，一般人还是选择G好一些，可以多一些选择

https://www.nutritionheart.com/medicare-choices-at-65/

Medicare Adavntage 可选HMO OR PPO,自付部分不同而已。

advantage 原本是HMO，这点没错，今年开始有了 advantage PPO ，具体情况还不清楚，如果跟花200

买补充计划差不多，那么谁还会花200买补充计划。

我觉得肯定有不同，需要花时间了解。

国内现在进口药卡的很严。你懂的，国家没钱了。而且你也混不上公费医疗。

看来你说不懂英文呀,嘿嘿,好吧,算大陆number one. 让你happy 一下

Advantage PPO 以前就有。

https://www.kff.org/medicare/issue-brief/medicare-advantage-2022-spotlight-first-look/
  “HMOs account for about six in ten (59%) of all plans offered in 2022, a slight decline from prior years where they accounted for about two-thirds of all plans offered. The availability of local PPOs has increased rapidly over recent years. In 2022, more than one-third of plans (37%) offered are local PPOs, compared to a quarter in 2018. Between 2021 and 2022, the number of regional PPOs has remained constant, while the number of private fee-for-service plans has continued to decline.”

LTC保险保费贵，赔保也有上限，用的不给劲

他英文永平肯定不如你,炒A股一定比你强

你喝点中药就行了。反正国内新冠死亡也不计入统计数字。。。

这里说“local PPO” 跟补充计划的一样吗？人在加州，补充计划可以去麻州看医生，LOCAL PPO行吗？怀疑。

我们买过。一年才几百块，具体数字不记得了。

Google了一下，65岁以后也就2，3千，一年。

 

AI Overview Learn more…   The cost of long-term care insurance varies based on a number of factors, including your age, gender, health, and the amount of coverage you want. Here are some average costs for a $165,000 benefit policy:      Age 55 $950 per year for a single man, $1,500 per year for a single woman, and $2,080 per year for a couple      Age 60 $1,200 per year for a single man, $1,960 per year for a single woman, and $2,550 per year for a couple      Age 65 $1,700 per year for a single man, $2,700 per year for a single woman, and $3,750 per year for a couple      You can also consider a hybrid policy that combines long-term care insurance with a life insurance policy.      Some say that you shouldn't spend more than 5–6% of your annual income on premiums. Others say that the maximum amount you should spend depends on your circumstances, including how much care you'll need and how long you'll need it. You can use online calculators or talk with a financial advisor to help you decide how much coverage you need.      Long-term care insurance can help cover the cost of at-home care, nursing homes, and hospice care.   

没错我父母就是开始用Advantage PPO多年.不去外地没啥用,换HMO都是top 的top医院医生

这个大外宣墙里墙外都一知半解，就在这里不停刷屏。

如果去外州住院治病,48小时打电话申请就可,HMO也可申请,我们就用过

Well, this ID can serve one purpose for sure:

People can have some fun with whatever coming out of his month.

 

 

这个也是闭着眼胡说

两千万美元没有2万人民币滋润? 真的是贫穷限制了你的想象力

他炒A股，亏钱的能力也一定更强

就看他对A股的理解能力，令人担忧。

Barron's昨天的文章：“他们购买长期护理保险是为了养老，却遭遇财务噩梦”

“They Bought Insurance for Security in Old Age. They Got a Financial Nightmare Instead.”

https://www.barrons.com/articles/long-term-care-insurance-premiums-retirement-healthcare-dce47720

 

你们干嘛跟这个尽是胡说八道的人的贴呢

简直就是恨不得海华死无葬身之地

humana Full access & Aetna PPO, 全国任何州都可以看病