这是美国医疗保险补充保险的平均费用
李霍夫曼
2022 年 9 月 29 日星期四上午 6:00
快乐的老人
快乐的老人
当您达到退休年龄时，Medicare 保险为您的健康需求提供基本的医疗保险保障。但是，此承保范围是基本的，并不涵盖承保医疗服务和用品的所有费用。 Medicare 补充保险政策被称为“Medigap 保险”，它们填补了 Medicare 覆盖范围的空白。

财务顾问还可以帮助您为退休后的医疗保健需求制定或调整财务计划。让我们分解一下医疗保险补充保险的平均费用。

什么是医疗保险补充保险？

Medicare 补充保险计划涵盖您使用 Original Medicare 承担的费用。这些保单由私人保险公司提供，在您的 A 部分和 B 部分福利之上。补充保险政策提供可预测的每月费用，而不是看医生或住院的未知费用。

政府提供原始医疗保险政策，通过 A 部分和 B 部分政策为老年人提供医疗保险。不幸的是，这些保单并不能支付承保医疗服务和用品的所有费用。 Medicare 补充保险（又名 Medigap 保险）填补了这些空白，以帮助支付一些剩余的医疗保健费用。

Medigap 保险单有助于支付共付额、共保金额和免赔额。此外，当您在美国境外旅行时，某些 Medigap 政策涵盖医疗保健。传统医疗保险政策（A 部分和 B 部分）不涵盖国际医疗保健。

医疗保险补充保险除外责任

一些 Medigap 政策将处方药福利作为其计划的一部分。当计划不包括处方药承保时，您可以购买独立的 Medicare D 部分保险单。

Medicare 补充保险提供额外福利并减少您为承保服务支付的自付费用。但是，某些服务被排除在这些政策之外，包括：

长期护理

视力保健和眼镜

牙齿保健

助听器

私人护理

Medigap 对比医疗保险优势

不，这是老年人满足其医疗保健需求的两种不同选择。 Medigap 政策负责原始医疗保险的未支付费用。相比之下，Medicare Advantage 保单是原始 Medicare 的替代方案，并提供 Medigap 保单不提供的不同级别的福利。优势计划还有助于支付原始医疗保险不提供的未覆盖医疗费用。

使用 Medigap 保单，您将拥有多份保险单和保险卡，但您可以去看任何接受 Medicare 的医生。 Medicare Advantage 更像是您在工作期间拥有的保险。您向一家公司支付保险费，许多 Advantage 计划包括额外福利，如牙科、视力和处方药保险。但是，许多 Advantage 计划要求您去看“网络内”医生，并且可能不承保网络外护理。

医疗保险补充保险的费用

医疗保险补充保险应用程序
医疗保险补充保险应用程序
保险公司通常会为同一份 Medicare 补充保险单收取不同的保费。货比三家以找到最优惠的价格是值得的。 Medigap 政策是标准化的，必须遵循联邦和州法律才能提供相同的基本福利。价格策略因州而异，并以三种方式之一确定：

社区评级：无论您的年龄多大，拥有相同政策的每个人都享有相同的价格。该州的每个人都受到同样的待遇。

发行年龄分级：价格基于您首次购买保单时的年龄，不会随着年龄的增长而增加。您会因为在年轻时购买保单而不改变您的承保范围而获得奖励。

达到年龄等级：保费基于您当前承保年度的年龄。年轻买家的保费开始较低，然后随着年龄的增长而增加。

Medigap 补充保险的平均费用取决于您的年龄、居住地、是否使用烟草以及您购买的 Medigap 计划。下图显示了 70 岁女性的 12 种不同的 Medigap 保单选项。它包括居住在田纳西州不使用烟草的人的保费范围。

70 岁女性 Medicare 计划的 Medigap 政策选项 每月保费共付额/免赔额福利计划 65 美元至 244 美元 0 美元共付额，1,484 美元的医院扣除额，203 美元的医疗扣除额。无 B 计划 109 美元至 306 美元 0 美元共付额，0 美元医院扣除，203 美元医疗扣除。 A 部分自付额计划 C 125 美元至 369 美元 0 美元共付额，0 美元医院自付额，0 美元医疗自付额。熟练护理，A&B 部分扣除。，国外旅行紧急计划 D 118 美元至 265 美元 0 美元共付额，0 美元医院扣除。，203 美元医疗扣除。熟练护理，A部分扣除，出国旅行紧急情况
https://finance.yahoo.com/news/average-cost-medicare-supplemental-insurance-130056700.html
This Is The Average Cost of US Medicare Supplemental Insurance
Lee Huffman
Thu, September 29, 2022 at 6:00 AM
Happy senior man
When you reach retirement age, Medicare insurance offers basic medical insurance protection for your health needs. However, this coverage is basic and does not cover all of the costs for covered medical services and supplies. Medicare supplemental insurance policies are known as “Medigap insurance” and they fill in the gaps in Medicare coverage.

A financial advisor could also help you create or adjust a financial plan for your medical care needs in retirement. Let’s break down the average cost of Medicare supplemental insurance.

What Is Medicare Supplemental Insurance?

Medicare supplemental insurance plans cover the costs that you’re responsible for with Original Medicare. These policies are offered by private insurance companies and are on top of your Part A and Part B benefits. Supplement insurance policies offer a predictable monthly expense versus the unknown cost of visiting a doctor or going into the hospital.
Original Medicare insurance policies are offered by the government to provide medical insurance for senior citizens through Part A and Part B policies. Unfortunately, these policies do not pay for all of the costs of covered medical services and supplies. Medicare supplemental insurance (aka Medigap insurance) fills in these gaps to help pay for some of the remaining health care costs.

Medigap insurance policies help pay for co-payments, co-insurance amounts and deductibles. Additionally, some Medigap policies cover medical care when you travel outside the U.S. Traditional Medicare policies (Part A and Part B) do not cover international medical care.

Medicare Supplemental Insurance Exclusions

Some Medigap policies include prescription drug benefits as part of their plan. When a plan does not include prescription drug coverage, then you can buy a standalone Medicare Part D insurance policy.

Medicare supplemental insurance provides additional benefits and reduces your out-of-pocket expense for covered services. However, some services are excluded from these policies, including:

Long-term care

Vision care and eyeglasses

Dental care

Hearing aids

Private-duty nursing

Medigap vs. Medicare Advantage

No, these are two different options that seniors have for their healthcare needs. Medigap policies take care of the unpaid costs of Original Medicare. By comparison, Medicare Advantage policies are an alternative to Original Medicare and offer different levels of benefits that Medigap policies do not. Advantage Plans also help pay uncovered medical expenses that Original Medicare doesn’t.

With a Medigap policy, you’ll have multiple insurance policies and insurance cards for your care, but you can see any doctor that accepts Medicare. Medicare Advantage is more like insurance that you had during your working years. You pay one company for your insurance and many Advantage Plans include extra benefits like dental, vision and prescription drug coverage. However, many Advantage plans require you to see “in-network” doctors and may not cover out-of-network care.

Costs of Medicare Supplemental Insurance
Medicare Supplemental Insurance application
Insurance companies often charge different premiums for the same Medicare Supplemental insurance policy. It pays to shop around to find the best price. Medigap policies are standardized and must follow federal and state laws to offer the same basic benefits. Price strategies vary by state and are determined in one of three ways:

Community-rated: The same price for everyone that has the same policy, no matter what your age is. Everyone in the state is treated the same.

Issue-age-rated: Price is based on the age when you first buy the policy and will not increase as you get older. You’re rewarded for buying your policy at a young age and not changing your coverage.

Attained-age-rated: Premiums are based on your age for the current year of coverage. Premiums start out lower for younger buyers, then increase as you get older.

The average cost of Medigap supplemental insurance depends on your age, where you live, if you use tobacco and which Medigap Plan you are purchasing. The chart below shows 12 different Medigap policy options for a 70-year-old woman. It includes the range of premiums for someone living in Tennessee who does not use tobacco.

Medigap Policy Options for a 70-Year-Old Woman Medicare Plan Monthly Premium Co-Pay/Deductible Benefits Plan A $65 to $244 $0 copay, $1,484 hospital deduct., $203 medical deduct. None Plan B $109 to $306 $0 copay, $0 hospital deduct., $203 medical deduct. Part A deductible Plan C $125 to $369 $0 copay, $0 hospital deduct., $0 medical deduct. Skilled nursing, Part A&B deduct., Foreign travel emergency Plan D $118 to $265 $0 copay, $0 hospital deduct., $203 medical deduct. Skilled nursing, Part A deduct., Foreign travel emergency Plan F $116 to $371 $0 copay, $0 hospital deduct., $0 medical deduct. Skilled nursing, Part A & B deduct., Part B excess charges, Foreign travel emergency Plan F – High deductible $28 to $83 $0 copay after $2,370 deductible Skilled nursing, Part A & B deduct., Part B excess charges, Foreign travel emergency Plan G $98 to $341 $0 copay, $0 hospital deduct., $203 medical deduct. Skilled nursing, Part A deduct., Part B excess charges, Foreign travel emergency Plan G – High deductible $25 to $80 $0 copay after $2,370 deductible + $203 medical deduct. Skilled nursing, Part A deduct., Part B excess charges, Foreign travel emergency Plan K $48 to $131 10% coinsurance up to $6,220, then $0 the rest of the year, $742 hospital deduct., $203 medical deduct. Skilled nursing, Part A deduct. Part L $66 to $216 5% coinsurance up to $3,110, then $0 the rest of the year, $371 hospital deduct., $203 medical deduct. Skilled nursing, Part A deduct. Plan M $111 to $272 $0 copay, $742 hospital deduct., $203 medical deduct. Skilled nursing, Part A deduct., Foreign travel emergency Plan N $73 to $315 $0 copays, $0 hospital deduct., $203 medical deduct. Skilled nursing, Part A deduct., Foreign travel emergency

*These policy options are available at Medicare.gov. Plans C and F are not available for people who turned 65 on or after Jan. 1, 2020.

Bottom Line
"MEDIGAP" written ona card with a stethoscope next to it
Medicare supplement insurance is an important tool to control your healthcare costs in retirement. It turns the unknown into a fixed monthly expense, which makes it easier to budget for. There are numerous Medicare Plans to consider and premiums vary based on your age, gender, state and tobacco use. It helps to consult with a professional to determine which plan is right for you.

Tips for Insurance in Retirement

Picking the right Medicare supplement insurance policy can be a challenge. Working with a financial advisor can help you calculate those costs and plan accordingly with your retirement savings. Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.

Medical insurance can be a significant expense in retirement. Understanding what those costs are will help you plan for these costs in your budget. Our retirement calculator helps you figure out your projected income and expense in retirement.