xmizi
独生子女父母来美国养老的医疗问题
10万+
591
2013-07-18 16:21:00
mm去google一下medicare的qualify条件,写的非常详细,65岁以上+公民(绿卡5年以上)就满足购买条件,购买方式也写的很清楚,基本上是plan A+plan B一共600多一个月。。。
注意,如果qualify了medicare的加入条件,但是没有及时加入,再晚一些时候又决定加入,这样要交罚金来补足miss的部分,所以一旦qualify了medicare,最好及时加入,无论是自费还是免费。当然如果加入的是medicaid系统,就不再qualify medicare了。。。大家给父母做选择的时候,一定要慎重。。。
MM好人,能不能提供个链接?当年看过medicare的小册子,没有提到罚金什么的呀
搜了一下medicare qualification。有兴趣的MM一块儿看看。 http://www.cms.gov/Medicare/Eligibility-and-Enrollment/OrigMedicarePartABEligEnrol/index.html?redirect=/origmedicarepartabeligenrol/01_overview.asp Medicare Part A ....A second group of aged individuals who are eligible for Part A are those persons age 65 or over who are not insured but elect to purchase Part A coverage by filing an application at a social security office. Because a monthly premium is required, this is called "Premium-Part A". ....persons desiring Premium-Part A can only file for coverage during a prescribed enrollment period (see the discussion under Medicare Part B) and must also enroll or already be enrolled in Part B. Medicare Part B ....A person age 65 or over who is not entitled to premium-free Part A must meet the following requirements to be entitled to Part B: he or she must be a U.S. resident and either a citizen, or an alien who has been lawfully admitted for permanent residence with 5 years continuous residence in this country at the time of filing. .... 从节选的这两段看,是不是持绿卡5年以上的老人,即使没有在美国工作缴税过,也可以自费买Medicare Part A,但前提条件是,必须也买Medicare Part B 。 如果不考虑非得享受免费的MEDICARE,而且象前面MM说的那样Medicare Part A+Medicare Part B 只要600多美金的话,那老人用国内的退休金还是可以支撑这里的保险premium的?
谢谢MM的链接,找到具体数字了
Part A: (Hospital Insurance) Premium
Most people get Part A automatically when they turn age 65. They don't have to pay a monthly payment called a premium for Part A because they or a spouse paid Medicare taxes while they were working.
You will need to pay $441.00 per month if you don’t get premium-free.
The Part A premium is $243.00 for those individuals having 30-39 quarters of Medicare covered employment.
Part B: (Medical Insurance) Premium
- The standard Medicare Part B monthly premium will be $104.90 in 2013, which is a .5% increase over the 2012 premium.
If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $104.90 per month.
到底了
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