Medicare: What You Need to Know
医疗保险：您需要了解的事项
Medicare is a health insurance program for:
医疗保险是一个针对以下人群的健康保险项目：
- people age 65 or older,
- 年满65岁的人士
- people under age 65 with certain disabilities,
- 年龄在65岁以下但有特定残疾的人士
- people of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).
- 各年龄段的终末期肾病患者（需要透析或肾脏移植的永久性肾衰竭患者）
Medicare has:
医疗保险包括
Part A Hospital Insurance - Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits.
A部分：医院保险
大多数人无需为A部分支付保费，因为他们或配偶在工作时通过工资税已支付过这笔费用。医疗保险A部分（医院保险）帮助覆盖住院治疗，包括紧急护理医院和专业护理机构（不包括辅助或长期护理）。它还帮助覆盖临终关怀和某些家庭健康护理。受益人必须满足特定条件才能获得这些福利。
Part B Medical Insurance - Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors' services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary.
B部分：医疗保险
大多数人需要为B部分支付月度保费。医疗保险B部分（医疗保险）帮助覆盖医生服务和门诊护理。它还覆盖一些A部分未涵盖的医疗服务，如部分物理治疗和职业治疗师的服务，以及某些家庭健康护理。B部分在这些服务和用品被医疗必要时提供费用支持。
Prescription Drug Coverage - Most people will pay a monthly premium for this coverage. On January 1, 2006, Medicare prescription drug coverage became available to everyone with Medicare. This coverage is to help you lower prescription drug costs and help protect against higher costs in the future. Medicare Prescription Drug Coverage is insurance. Private companies provide the coverage. Beneficiaries choose the drug plan and pay a monthly premium. If a beneficiary decides not to enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later.
处方药覆盖
大多数人将为此覆盖支付月度保费。从2006年1月1日起，医疗保险处方药覆盖向所有医疗保险受益人提供。这项覆盖旨在帮助您降低处方药费用，并防止未来费用上升。医疗保险处方药覆盖是保险，由私人公司提供。受益人可以选择药物计划并支付月度保费。如果受益人在首次符合条件时选择不加入药物计划，后续加入时可能需要支付罚款。
This information comes from www.cms.gov
此信息来自 www.cms.gov。
By contacting the phone number on this website you will be directed to a licensed insurance agent.
通过拨打该网站上的电话号码，您将被引导联系到持牌保险代理人。