{"id":616,"date":"2026-05-08T05:56:31","date_gmt":"2026-05-08T05:56:31","guid":{"rendered":"https:\/\/test2.mloun.site\/?p=616"},"modified":"2026-05-08T05:58:46","modified_gmt":"2026-05-08T05:58:46","slug":"out-of-pocket-2","status":"publish","type":"post","link":"https:\/\/yourcityinsurance.com\/zh\/out-of-pocket-2\/","title":{"rendered":"\u81ea\u4ed8\u8d39\u7528"},"content":{"rendered":"<p>\u867d\u7136\u539f\u59cb\u533b\u7597\u4fdd\u9669\u4e0d\u9650\u5236\u60a8\u7684\u5e74\u5ea6\u8d39\u7528\uff0c\u4f46\u8054\u90a6\u653f\u5e9c\u8981\u6c42\u533b\u7597\u4fdd\u9669\u4f18\u52bf\uff08MA\uff09\u8ba1\u5212\u5177\u6709 <strong>\u6700\u9ad8\u81ea\u4ed8\u8d39\u7528<\/strong> \u9650\u5236\u4ee5\u4fdd\u62a4\u60a8\u514d\u906d\u5de8\u989d\u533b\u7597\u8d26\u5355\u3002.<br>\u4e3a\u4e86 <strong>2026<\/strong>, \u8054\u90a6\u653f\u5e9c\u4e3aMedicare Advantage\u8ba1\u5212\u8bbe\u5b9a\u4e86\u4ee5\u4e0b\u6700\u9ad8\u7edd\u5bf9\u9650\u989d\uff1a<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u8054\u90a6\u6700\u9ad8\u53ef\u6d88\u8017\u5f00\u652f\u9650\u989d\uff082026\u5e74\uff09<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7f51\u5185\u6700\u9ad8<\/strong> <strong>$9,250<\/strong> \uff08\u8f832025\u5e74\u7684$9,350\u7565\u6709\u4e0b\u964d\uff09\u3002.<\/li>\n\n\n\n<li><strong>\u7ec4\u5408 (\u7f51\u7edc\u5185\u53ca\u7f51\u7edc\u5916) \u6700\u9ad8\u9650\u989d<\/strong> \u901a\u5e38\u4e0a\u9650\u4e3a <strong>$13,950<\/strong> \u5bf9\u4e8ePPO\u8ba1\u5212\u3002.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. \u201c\u5927\u90e8\u5206\u201d\u8ba1\u5212\u4e0e\u8054\u90a6\u9650\u989d<\/strong><\/h2>\n\n\n\n<p>\u5c3d\u7ba1\u4e0a\u9762\u7684\u6570\u5b57\u662f\u6cd5\u5f8b\u89c4\u5b9a\u7684\u6700\u9ad8\u503c\uff0c, <strong>\u5927\u591a\u6570\u8ba1\u5212\u7684\u9650\u989d\u90fd\u8f83\u4f4e<\/strong> \u4fdd\u6301\u7ade\u4e89\u529b\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5e73\u5747MOOP<\/strong> \u65e7\u91d1\u5c71\u6e7e\u533a\u8bb8\u591a\u6d41\u884c\u7684HMO\u548cPPO\u8ba1\u5212\u901a\u5e38\u5c06\u5176\u7f51\u7edc\u5185\u81ea\u4ed8\u8d39\u7528\u4e0a\u9650\u8bbe\u5b9a\u5728 <strong>$3,500 \u548c $6,500<\/strong>.<\/li>\n\n\n\n<li><strong>\u96f6\u4fdd\u8d39\u8ba1\u5212<\/strong> \u901a\u5e38\uff0c\u6708\u4fdd\u8d39\u4e3a$0\u7684\u8ba1\u5212\u5176\u6700\u9ad8\u8d54\u4ed8\u9650\u989d\uff08MOOP\uff09\u4f1a\u66f4\u9ad8\uff08\u63a5\u8fd1$9,250\u7684\u4e0a\u9650\uff09\uff0c\u800c\u6708\u4fdd\u8d39\u4e3a$9,250\u7684\u8ba1\u5212\u5176\u6700\u9ad8\u8d54\u4ed8\u9650\u989d\uff08MOOP\uff09\u5219\u53ef\u80fd\u8f83\u4f4e\u3002.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. \u54ea\u4e9b\u7b97\u4f5c MOOP\uff1f<\/strong><\/h2>\n\n\n\n<p>\u91cd\u8981\u7684\u662f\u8981\u4e86\u89e3\u54ea\u4e9b\u8d39\u7528\u4f1a\u771f\u6b63\u89e6\u53d1\u90a3\u4e2a\u5b89\u5168\u7f51\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5305\u542b\uff1a<\/strong> \u60a8\u7684\u514d\u8d54\u989d\u3001\u5171\u4ed8\u989d\u548c\u5171\u540c\u4fdd\u9669\u91d1\u9002\u7528\u4e8e\u6240\u6709 <strong>A\u90e8\u5206\u548cB\u90e8\u5206\u670d\u52a1<\/strong> \uff08\u533b\u751f\u5c31\u8bca\u3001\u4f4f\u9662\u3001\u5b9e\u9a8c\u5ba4\u68c0\u67e5\u7b49\uff09\u3002.<\/li>\n\n\n\n<li><strong>\u6392\u9664\uff1a<\/strong> \u60a8\u7684\u6708\u5ea6\u8ba1\u5212\u4fdd\u8d39\u3001B \u90e8\u5206\u4fdd\u8d39\u548c <strong>D\u90e8\u5206\u5904\u65b9\u836f\u8d39\u7528<\/strong> \u505a <em>\u4e0d<\/em> \u8ba1\u5165\u6b64\u533b\u7597\u81ea\u4ed8\u8d39\u7528\u4e0a\u9650\u3002.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. \u652f\u51fa\u4e0a\u9650\uff082025\/2026 \u5e74\u5ea6\u201c\u65b0\u201d\u89c4\u5b9a\uff09<\/strong><\/h2>\n\n\n\n<p>\u5f97\u76ca\u4e8e\u300a\u901a\u80c0\u524a\u51cf\u6cd5\u6848\u300b\uff0c\u60a8\u7684\u836f\u54c1\u73b0\u5728\u6709\u4e00\u4e2a\u5355\u72ec\u7684\u3001\u4f4e\u5f97\u591a\u7684\u4e0a\u9650\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D \u90e8\u5206\u5e3d\u5b50<\/strong> 2026\u5e74\uff0c\u6db5\u76d6\u7684\u5904\u65b9\u836f\u7684\u81ea\u4ed8\u8d39\u7528\u4e0a\u9650\u4e3a <strong>$2,100<\/strong>.<\/li>\n\n\n\n<li>\u4e00\u65e6\u60a8\u5728\u836f\u54c1\u4e0a\u82b1\u8d39\u4e86 $2,100\uff0c\u60a8\u9700\u8981\u652f\u4ed8 <strong>$0<\/strong> \u5728\u672c\u5e74\u5ea6\u5269\u4f59\u65f6\u95f4\u5185\uff0c\u7528\u4e8e\u62a5\u9500\u5904\u65b9\u836f\u3002.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u6458\u8981\u8868\uff1a\u81ea\u4ed8\u8d39\u7528\u4e0a\u9650\uff082026 \u5e74\uff09<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>\u8d39\u7528\u7c7b\u522b<\/strong><\/td><td><strong>2026\u5e74\u81ea\u4ed8\u8d39\u7528\u4e0a\u9650<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>\u533b\u7597\uff08\u7f51\u7edc\u5185\uff09<\/strong><\/td><td>\u5411\u4e0a <strong>$9,250<\/strong> \uff08\u56e0\u8ba1\u5212\u800c\u5f02\uff09<\/td><\/tr><tr><td><strong>\u533b\u5b66\uff08\u7efc\u5408\uff09<\/strong><\/td><td>\u5411\u4e0a <strong>$13,950<\/strong> (\u9002\u7528\u4e8ePPO\u8ba1\u5212)<\/td><\/tr><tr><td><strong>\u5904\u65b9\u836f<\/strong><\/td><td><strong>$2,100<\/strong> \uff08\u6240\u6709\u5957\u9910\u5747\u5df2\u4fee\u590d\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u5c0f\u8d34\u58eb\uff1a<\/strong> \u5982\u679c\u60a8\u8fbe\u5230\u60a8\u7684\u81ea\u4ed8\u5c01\u9876\u989d\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u652f\u4ed8 <strong>100%<\/strong> \u60a8\u672c\u5e74\u5ea6\u5269\u4f59\u65f6\u95f4\u7684\u5df2\u62a5\u9500\u533b\u7597\u8d39\u7528\u3002\u8fd9\u662f\u4eba\u4eec\u9009\u62e9 MA \u800c\u4e0d\u662f\u539f\u59cb Medicare \u4e14\u4e0d\u9644\u52a0\u8865\u5145\u4fdd\u9669\u7684\u4e3b\u8981\u539f\u56e0\u4e4b\u4e00\u3002.<br>\u60a8\u60f3\u8ba9\u6211\u4e3a\u60a8\u67e5\u8be2\u65e7\u91d1\u5c71\u6e7e\u533a\u9876\u7ea7\u4fdd\u9669\u8ba1\u5212\u7684\u7279\u5b9a\u81ea\u4ed8\u989d\u4e0a\u9650\u5417\uff1f<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-25 quote\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\">\u83b7\u53d6\u62a5\u4ef7<\/a><\/div>\n\n\n\n<div class=\"wp-block-button has-custom-width wp-block-button__width-25\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"#\">\u6ce8\u518c<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u867d\u7136\u539f\u59cb\u533b\u7597\u4fdd\u9669\u4e0d\u9650\u5236\u60a8\u7684\u5e74\u5ea6\u8d39\u7528\uff0c\u4f46\u8054\u90a6\u653f\u5e9c\u8981\u6c42\u533b\u7597\u4fdd\u9669\u4f18\u52bf\uff08MA\uff09\u8ba1\u5212\u5177\u6709<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_analysis_target_kw":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-616","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/posts\/616","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/comments?post=616"}],"version-history":[{"count":2,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/posts\/616\/revisions"}],"predecessor-version":[{"id":622,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/posts\/616\/revisions\/622"}],"wp:attachment":[{"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/media?parent=616"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/categories?post=616"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/tags?post=616"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}