医疗保险 101
医疗保险是一项联邦健康保险计划，主要面向65岁及以上人群，以及患有某些残疾的年轻个体。在加利福尼亚州，虽然核心的"部分"（A、B、C和D）保持不变，但存在独特的州级计划、消费者保护措施以及将于2026年生效的变更。.
The Components of Medicare
|
Part |
Coverage |
2026 Monthly Cost (Standard) |
|---|---|---|
|
Part A |
住院医院、熟练护理、临终关怀。. |
$0（若工作年限达10年以上）。. |
|
Part B |
医生就诊、门诊护理、筛查。. |
$202.90 |
|
Part C |
医疗保险优势（私人"捆绑"计划）. |
因套餐而异（在加拿大，许多套餐为$0）。. |
|
Part D |
处方药保险. |
平均为$34.50；$2,100为最高自付额上限。. |
2026年加州具体安排
The "Birthday Rule" (Medigap/Supplement Plans)
California offers a unique protection known as the "Birthday Rule." If you already have a Medicare Supplement (Medigap) plan, you have a 60-day window starting on your birthday each year to switch to another Medigap plan of equal or lesser benefits without medical underwriting (no health questions). This allows you to shop for lower premiums annually.
Medi-Cal & Medicare Coordination
If you have both Medicare and Medi-Cal (dual eligible), California is expanding "Medi-Medi" plans (Dual Special Needs Plans or D-SNPs) to more counties in 2026. These plans are designed to coordinate your benefits so you don't have to manage two separate insurance systems.
- Asset Limit Changes: California has specific rules regarding asset limits for older adults applying for Medi-Cal.
- Dental Update: Starting July 1, 2026, there are changes to dental coverage for certain adults under Medi-Cal.
选择 你的道路 在加州
原始医疗保险 + Medigap + D部分
最适合想要在美国看任何接受医疗保险的医生，并且偏好可预测费用的群体。.
医疗保险优势（C部分）
通常包含牙科/视力保险，保费较低，但需要使用特定医生网络。.