{"id":25018,"date":"2024-08-06T19:51:03","date_gmt":"2024-08-06T23:51:03","guid":{"rendered":"https:\/\/www.elderplan.org\/?page_id=25018&#038;preview_id=25018"},"modified":"2025-10-20T15:42:42","modified_gmt":"2025-10-20T19:42:42","slug":"2025-elderplan-plus-long-term-care","status":"publish","type":"page","link":"https:\/\/elderplan0.wpengine.com\/zh\/medicare-advantage-plan-options\/2025-options\/2025-elderplan-plus-long-term-care\/","title":{"rendered":"2025 \u5e74 Elderplan\uff08\u9577\u8001\u8a08\u5283\uff09Plus Long-Term Care (HMO POS D-SNP)"},"content":{"rendered":"\n<div class=\"wp-block-media-text alignwide has-media-on-the-right is-stacked-on-mobile is-vertically-aligned-top\"><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\" id=\"h-\u5728\u4e00\u500b\u7c21\u55ae\u7684\u8a08\u5283\u4e2d\u7372\u5f97\u6240\u6709\u798f\u5229\u4ee5\u53ca\u52a0\u9577\u671f\u8b77\u7406-mltc-\u9577\u671f\u7167\u8b77\u7ba1\u7406-\u6700\u4f4e\u9700\u6c42\u898f\u5b9a-\u81ea2025\u5e749\u67081\u65e5\u8d77\u751f\u6548-\u65b0\u52a0\u5165\u8005\u5fc5\u9808\u7b26\u5408\u66f4\u65b0\u5f8c\u7684\u6a19\u6e96-\u5728\u8d85\u904e\u5169\u9805\u65e5\u5e38\u751f\u6d3b\u6d3b\u52d5-adls-\u4e2d\u9700\u8981\u6709\u9650\u7684\u8eab\u9ad4\u5354\u52a9-\u6216\u60a3\u6709\u963f\u8332\u6d77\u9ed8\u75c7-\u5931\u667a\u75c7-\u4e26\u5728\u8d85\u904e\u4e00\u9805adl\u4e2d\u9700\u8981\u76e3\u7763-\u539f\u6709\u6210\u54e1\u4e0d\u53d7\u5f71\u97ff-\u91ab\u5e2b\u5fc5\u9808\u586b\u5beb-doh-5821-\u8868\u683c\u4ee5\u78ba\u8a8d\u963f\u8332\u6d77\u9ed8\u75c7-\u5931\u667a\u75c7\u7684\u8a3a\u65b7\">\u5728\u4e00\u500b\u7c21\u55ae\u7684\u8a08\u5283\u4e2d\u7372\u5f97\u6240\u6709\u798f\u5229\u4ee5\u53ca\u52a0\u9577\u671f\u8b77\u7406 <sup><a href=\"#footnote_1_25018\" id=\"identifier_1_25018\" class=\"footnote-link footnote-identifier-link\" title=\"MLTC \uff08\u9577\u671f\u7167\u8b77\u7ba1\u7406\uff09 \u6700\u4f4e\u9700\u6c42\u898f\u5b9a\uff08\u81ea2025\u5e749\u67081\u65e5\u8d77\u751f\u6548\uff09\u65b0\u52a0\u5165\u8005\u5fc5\u9808\u7b26\u5408\u66f4\u65b0\u5f8c\u7684\u6a19\u6e96\uff1a\u5728\u8d85\u904e\u5169\u9805\u65e5\u5e38\u751f\u6d3b\u6d3b\u52d5\uff08ADLs\uff09\u4e2d\u9700\u8981\u6709\u9650\u7684\u8eab\u9ad4\u5354\u52a9\uff0c\u6216\u60a3\u6709\u963f\u8332\u6d77\u9ed8\u75c7\uff0f\u5931\u667a\u75c7\uff0c\u4e26\u5728\u8d85\u904e\u4e00\u9805ADL\u4e2d\u9700\u8981\u76e3\u7763\u3002\u539f\u6709\u6210\u54e1\u4e0d\u53d7\u5f71\u97ff\u3002\u91ab\u5e2b\u5fc5\u9808\u586b\u5beb DOH-5821 \u8868\u683c\u4ee5\u78ba\u8a8d\u963f\u8332\u6d77\u9ed8\u75c7\uff0f\u5931\u667a\u75c7\u7684\u8a3a\u65b7\u3002\">1<\/a><\/sup><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5c0d\u65bc Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u548c Medicaid \u91ab\u7642\u88dc\u52a9 (Duals)\uff0c\u6709\u8cc7\u683c\u7372\u5f97\u9577\u671f\u8b77\u7406\u7684\u53d7\u76ca\u4eba<\/li>\n\n\n\n<li>\u5c07\u60a8\u7684\u6240\u6709\u798f\u5229\uff08\u5305\u62ec\u91ab\u7642\u3001<a href=\"https:\/\/providersearch.carelonbehavioralhealth.com\/#\/provider\/home\/1315\" target=\"_blank\" rel=\"noreferrer noopener\">\u884c\u70ba\u5065\u5eb7<\/a>\u3001\u91ab\u9662\u8655\u65b9\u85e5\u548c\u9577\u671f\u8b77\u7406\uff09\u6574\u5408\u5230\u4e00\u500b\u7c21\u55ae\u7684\u8a08\u5283\u4e2d\u3002<\/li>\n\n\n\n<li>\u63d0\u4f9b\u500b\u4eba\u8b77\u7406\u54e1 (PCW) \u4f86\u5354\u52a9\u60a8\u9032\u884c\u65e5\u5e38\u6d3b\u52d5\uff0c\u4e26\u63d0\u4f9b\u8b77\u7406\u7ba1\u7406\u5718\u968a\u7684\u95dc\u6ce8\u4f86\u5354\u52a9\u5354\u8abf\u60a8\u7684\u6240\u6709\u798f\u5229\u3002<\/li>\n\n\n\n<li>\u5728\u5e03\u6717\u58eb \u3001 \u570b\u738b\u5340\u3001\u62ff\u9a37 \u3001\u7d10\u7d04 \u3001\u7687\u540e\u5340\u3001\u91cc\u5947\u8499\u90e1 \u3001\u5a01\u5fb9\u65af\u7279\u7e23\u3001\u9054\u5207\u65af\u7e23\u3001\u6a59\u7e23\u3001\u666e\u7279\u5357\u7e23\u548c\u7f85\u514b\u862d\u7e23\u63d0\u4f9b\u3002<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1281\" src=\"https:\/\/elderplan.imgix.net\/CHI_LTC2024-1.jpg?fm=pjpg\" alt=\"A woman and her adult daughter have tea at the kitchen table\" class=\"wp-image-21265 size-full\" srcset=\"https:\/\/elderplan.imgix.net\/CHI_LTC2024-1.jpg?fit=scale&amp;fm=pjpg&amp;h=641&amp;w=960 960w, https:\/\/elderplan.imgix.net\/CHI_LTC2024-1.jpg?fm=pjpg 1280w, https:\/\/elderplan.imgix.net\/CHI_LTC2024-1.jpg?fit=scale&amp;fm=pjpg&amp;h=427&amp;w=640 640w, https:\/\/elderplan.imgix.net\/CHI_LTC2024-1.jpg?fit=scale&amp;fm=pjpg&amp;h=512&amp;w=768 768w, https:\/\/elderplan.imgix.net\/CHI_LTC2024-1.jpg?fit=scale&amp;fm=pjpg&amp;h=1025&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/CHI_LTC2024-1.jpg?fit=scale&amp;fm=pjpg&amp;h=1366&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/CHI_LTC2024-1.jpg?fm=pjpg 1920w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\"><\/figure><\/div>\n\n\n\n<section class=\"wp-block-group glance\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-at-a-glance\">Benefits at a Glance<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-16853\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/icon_premium.png?fm=png\" alt=\"Premium\" srcset=\"https:\/\/elderplan.imgix.net\/icon_premium.png?fit=scale&amp;fm=png&amp;h=640&amp;w=640 640w, https:\/\/elderplan.imgix.net\/icon_premium.png?fit=scale&amp;fm=png&amp;h=960&amp;w=960 960w, https:\/\/elderplan.imgix.net\/icon_premium.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/icon_premium.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/icon_premium.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/icon_premium.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong>\u4fdd\u8cbb<\/strong>\uff1a\u00a0\u96f6\u6708\u7e73\u8a08\u5283\u4fdd\u8cbb<\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-15674\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_app.png?fm=png\" alt=\"App icon\" srcset=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_app.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_app.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_app.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_app.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong>\u4e3b\u6cbb\u91ab\u751f<\/strong>\uff1a \u2022 &lt;\u89aa\u8eab\u6216\u9060\u7a0b\u91ab\u7642\u5e38\u7528\u8b77\u7406\u770b\u8a3a\u96f6\u5171\u4ed8\u984d&gt;<\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-16559\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/icon_heart.png?fm=png\" alt=\"Heart EKG\" srcset=\"https:\/\/elderplan.imgix.net\/icon_heart.png?fit=scale&amp;fm=png&amp;h=640&amp;w=640 640w, https:\/\/elderplan.imgix.net\/icon_heart.png?fit=scale&amp;fm=png&amp;h=960&amp;w=960 960w, https:\/\/elderplan.imgix.net\/icon_heart.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/icon_heart.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/icon_heart.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/icon_heart.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong>\u5c08\u79d1\u91ab\u5e2b\uff1a<\/strong>\u81ea\u7531\u9078\u64c7\u4efb\u4f55\u5c08\u79d1\u91ab\u5e2b\uff0c\u8b93\u60a8\u6709\u66f4\u591a\u6a5f\u6703\u7372\u5f97\u8b77\u7406 <sup><a href=\"#footnote_2_25018\" id=\"identifier_2_25018\" class=\"footnote-link footnote-identifier-link\" title=\"\u9664\u7dca\u6025\u60c5\u6cc1\u5916\uff0c\u7db2\u5916\/\u975e\u5408\u7d04\u63d0\u4f9b\u8005\u6c92\u6709\u7fa9\u52d9\u70ba\u8a08\u756b\u6210\u54e1\u63d0\u4f9b\u6cbb\u7642\u3002\u8acb\u81f4\u96fb\u6211\u5011\u7684\u6703\u54e1\u670d\u52d9\u96fb\u8a71\u6216\u67e5\u770b\u60a8\u7684\u627f\u4fdd\u7bc4\u570d\u8b49\u660e\u4ee5\u7372\u53d6\u66f4\u591a\u4fe1\u606f\uff0c\u5305\u62ec\u9069\u7528\u65bc\u7db2\u7d61\u5916\u670d\u52d9\u7684\u8cbb\u7528\u5206\u6524\u3002\">2<\/a><\/sup><\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-15678\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_dental.png?fm=png\" alt=\"Dental icon\" srcset=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_dental.png?fit=scale&amp;fm=png&amp;h=640&amp;w=640 640w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_dental.png?fit=scale&amp;fm=png&amp;h=960&amp;w=960 960w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_dental.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_dental.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_dental.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_dental.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong>\u7259\u79d1\uff1a<\/strong>\u5305\u62ec\u9810\u9632\u6027\u548c\u7d9c\u5408\u6027\u8b77\u7406\uff0c\u5305\u62ec\u6839\u7ba1\u6cbb\u7642\u548c\u7259\u51a0<\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-16546\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/icon_welness.png?fm=png\" alt=\"Wellness Incentive Program\" srcset=\"https:\/\/elderplan.imgix.net\/icon_welness.png?fit=scale&amp;fm=png&amp;h=640&amp;w=640 640w, https:\/\/elderplan.imgix.net\/icon_welness.png?fit=scale&amp;fm=png&amp;h=960&amp;w=960 960w, https:\/\/elderplan.imgix.net\/icon_welness.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/icon_welness.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/icon_welness.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/icon_welness.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong>\u4fdd\u5065\u734e\u52f5\uff1a<\/strong>\u00a0\u900f\u904e\u6211\u5011\u7684<a href=\"https:\/\/elderplan0.wpengine.com\/health-and-wellness\/wellness-incentive-program\/\">\u4fdd\u5065\u734e\u52f5\u8a08\u5283<\/a>\u9032\u884c\u9810\u9632\u6027\u7be9\u6aa2\u548c\u63a5\u7a2e\u75ab\u82d7\u4f86\u7372\u5f97\u734e\u52f5<\/li>\n\n\n\n<li><img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/08\/icon_brain.png\" alt=\"Brain icon\">BrainHQ\uff1a \u900f\u904e\u4e00\u9805\u8a18\u61b6\u4fdd\u5065\u8a08\u5283\uff0c\u5229\u7528\u904a\u6232\u3001\u62fc\u5716\u548c\u5176\u4ed6\u6709\u8da3\u7684\u7df4\u7fd2\u4f86\u6539\u5584\u5927\u8166\u529f\u80fd<br><a href=\"https:\/\/elderplan.brainhq.com\/?v4=true&amp;fr=y\"><strong>\u8a3b\u518a BrainHQ<\/strong><\/a><\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-16544\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/icon_m2m.png?fm=png\" alt=\"Member to Member\" srcset=\"https:\/\/elderplan.imgix.net\/icon_m2m.png?fit=scale&amp;fm=png&amp;h=640&amp;w=640 640w, https:\/\/elderplan.imgix.net\/icon_m2m.png?fit=scale&amp;fm=png&amp;h=960&amp;w=960 960w, https:\/\/elderplan.imgix.net\/icon_m2m.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/icon_m2m.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/icon_m2m.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/icon_m2m.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\">\u6703\u54e1\u9593\uff1a \u900f\u904e\u6211\u5011\u7372\u734e\u7684\u6703\u54e1\u5c0d\u6703\u54e1\u8a08\u5283\u6703\u7c4d\u8207\u5176\u4ed6\u6703\u54e1\u806f\u7d61<br><strong><a href=\"\/zh\/member-benefits\/member-to-member-community\/\">\u77ad\u89e3\u6709\u95dc\u6703\u54e1\u9593\u7684\u66f4\u591a\u8cc7\u8a0a<\/a><\/strong><\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-16847\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/icon_groceries-plus.png?fm=png\" alt=\"OTC Products \/ Groceries \/ Plus more\" srcset=\"https:\/\/elderplan.imgix.net\/icon_groceries-plus.png?fit=scale&amp;fm=png&amp;h=640&amp;w=640 640w, https:\/\/elderplan.imgix.net\/icon_groceries-plus.png?fit=scale&amp;fm=png&amp;h=960&amp;w=960 960w, https:\/\/elderplan.imgix.net\/icon_groceries-plus.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/icon_groceries-plus.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/icon_groceries-plus.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/icon_groceries-plus.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><em><strong>2025 \u5e74\u6700\u65b0\u589e\u52a0\u548c\u64f4\u5c55\uff01<\/strong><\/em> <strong>OTC\uff1a<\/strong>\u6bcf\u5b63\u5ea6 $900 <sup><a href=\"#footnote_3_25018\" id=\"identifier_3_25018\" class=\"footnote-link footnote-identifier-link\" title=\"OTC \u5361\u4e0d\u662f\u501f\u8a18\u5361\u6216\u4fe1\u7528\u5361\uff0c\u4e0d\u80fd\u8f49\u63db\u70ba\u73fe\u91d1\u3002[\">3<\/a><\/sup>\u7528\u65bc\u8cfc\u8cb7\u50b3\u7d71 OTC\u3002\u7b26\u5408\u8cc7\u683c\u7684\u6703\u54e1<sup><a href=\"#footnote_4_25018\" id=\"identifier_4_25018\" class=\"footnote-link footnote-identifier-link\" title=\"\u8cc7\u683c\u53d6\u6c7a\u65bc\u60a8\u662f\u5426\u60a3\u6709\u8207 SSBCI \u798f\u5229\uff08\u64f4\u5c55 OTC\uff09\u76f8\u95dc\u7684\u6162\u6027\u75c5\u3002 SSBCI \u75c5\u75c7\u7684\u7bc4\u4f8b\u5305\u62ec\u4f46\u4e0d\u9650\u65bc\u5fc3\u8840\u7ba1\u75be\u75c5\u3001\u7cd6\u5c3f\u75c5\u3001\u95dc\u7bc0\u708e\u3001\u6162\u6027\u80ba\u75c5\u548c\u764c\u75c7\u3002 \u9084\u6709\u5176\u4ed6\u672a\u5217\u51fa\u7684\u5408\u683c\u689d\u4ef6\u3002 \u6b64\u798f\u5229\u7684\u6a19\u6e96\u53ef\u80fd\u6703\u6709\u6240\u4e0d\u540c\u3002\">4<\/a><\/sup> \u53ef\u4ee5\u4f7f\u7528\u6d25\u8cbc\u4f86\u7372\u5f97\u64f4\u5c55 OTC \u798f\u5229 \u2013\u00a0<strong>\u5305\u62ec\u793e\u5340\u4e58\u8eca\u670d\u52d9\uff01<\/strong><\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-15677\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_car.png?fm=png\" alt=\"Car icon\" srcset=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_car.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_car.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_car.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_car.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong><em>2025 \u5e74\u65b0\u7248\uff01<\/em> <a href=\"\/files\/2025_transportation_flyer_v3_tch_01-28-25_accessible\/\">\u5c0f\u5340\u8f09\u9001<\/a>\uff1a<\/strong> \u7b26\u5408\u689d\u4ef6\u7684\u6703\u54e1<sup><a href=\"#footnote_4_25018\" id=\"identifier_5_25018\" class=\"footnote-link footnote-identifier-link\" title=\"\u8cc7\u683c\u53d6\u6c7a\u65bc\u60a8\u662f\u5426\u60a3\u6709\u8207 SSBCI \u798f\u5229\uff08\u64f4\u5c55 OTC\uff09\u76f8\u95dc\u7684\u6162\u6027\u75c5\u3002 SSBCI \u75c5\u75c7\u7684\u7bc4\u4f8b\u5305\u62ec\u4f46\u4e0d\u9650\u65bc\u5fc3\u8840\u7ba1\u75be\u75c5\u3001\u7cd6\u5c3f\u75c5\u3001\u95dc\u7bc0\u708e\u3001\u6162\u6027\u80ba\u75c5\u548c\u764c\u75c7\u3002 \u9084\u6709\u5176\u4ed6\u672a\u5217\u51fa\u7684\u5408\u683c\u689d\u4ef6\u3002 \u6b64\u798f\u5229\u7684\u6a19\u6e96\u53ef\u80fd\u6703\u6709\u6240\u4e0d\u540c\u3002\">4<\/a><\/sup> \u6709\u6b0a\u5c07\u60a8\u7684 OTC \u88dc\u8cbc\u7528\u65bc\u793e\u5340\u8f09\u9001\u670d\u52d9\uff0c\u5176\u4e2d\u5305\u62ec\u96dc\u8ca8\u5e97\u3001\u8fb2\u6c11\u5e02\u5834\u3001\u79ae\u62dc\u5834\u6240\u6216\u53c3\u89c0\u670b\u53cb\u3002 \u5b83\u9084\u53ef\u7528\u65bc\u5929\u7136\u6c23\u3001\u6536\u8cbb\u548c\u505c\u8eca\u3002<\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"120\" element-id=\"132\" class=\"wp-image-20267\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/flex_card@2x.png?fm=png\" alt=\"Flexible spending card\" srcset=\"https:\/\/elderplan.imgix.net\/flex_card@2x.png?fit=scale&amp;fm=png&amp;h=960&amp;w=960 960w, https:\/\/elderplan.imgix.net\/flex_card@2x.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/flex_card@2x.png?fit=scale&amp;fm=png&amp;h=640&amp;w=640 640w, https:\/\/elderplan.imgix.net\/flex_card@2x.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/flex_card@2x.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/flex_card@2x.png?fm=png 120w\" sizes=\"auto, (max-width: 120px) 100vw, 120px\"><em element-id=\"131\"><strong element-id=\"130\">2025 \u5e74\u6700\u65b0\u589e\u52a0\uff01<\/strong><\/em> <strong>\u73fe\u91d1 Flex \u5361\uff1a<\/strong>\u6bcf\u5e74 $750\u7684\u6d25\u8cbc\uff0c\u7528\u65bc\u652f\u4ed8\u7259\u79d1\u3001\u8996\u529b\u3001\u807d\u529b\u548c\u5065\u8eab\u8cbb\u7528\u7684\u81ea\u4ed8\u8cbb\u7528<a href=\"\/zh\/member-benefits\/elderplan-benefits\/flex-benefit\/\"><br>\u77ad\u89e3\u6709\u95dc\u73fe\u91d1 Flex \u5361\u798f\u5229\u7684\u66f4\u591a\u8cc7\u8a0a<\/a><\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-15683\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_hearing.png?fm=png\" alt=\"Hearing icon\" srcset=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_hearing.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_hearing.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_hearing.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_hearing.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong><em>2025 \u5e74\u6700\u65b0\u589e\u52a0\uff01<\/em><\/strong> <strong>\u807d\u529b\uff1a<\/strong>\u00a0\u5e38\u898f\u807d\u529b\u6aa2\u67e5\u96f6\u5171\u4ed8\u984d + \u6bcf\u5e74 $3,000 \u7528\u65bc\u8cfc\u8cb7\u52a9\u807d\u5668<\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-15689\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_vision.png?fm=png\" alt=\"Vision icon\" srcset=\"https:\/\/elderplan.imgix.net\/2022\/08\/icon_vision.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_vision.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_vision.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/2022\/08\/icon_vision.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong><em>2025\u5e74\u65b0\u64f4\u5c55\uff01<\/em><\/strong> <strong>\u8996\u529b\uff1a<\/strong> \u5e38\u898f\u773c\u79d1\u6aa2\u67e5\u96f6\u5171\u4ed8\u984d + \u6bcf\u5e74 $600 \u7528\u65bc\u8cfc\u8cb7\u773c\u93e1\uff0c\u4f8b\u5982\u96b1\u5f62\u773c\u93e1\u6216\u6846\u67b6\u773c\u93e1\uff0c\u5305\u62ec\u93e1\u7247\u548c\u93e1\u6846<\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-16845\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/icon_acupuncture.png?fm=png\" alt=\"Acupuncture\" srcset=\"https:\/\/elderplan.imgix.net\/icon_acupuncture.png?fit=scale&amp;fm=png&amp;h=640&amp;w=640 640w, https:\/\/elderplan.imgix.net\/icon_acupuncture.png?fit=scale&amp;fm=png&amp;h=960&amp;w=960 960w, https:\/\/elderplan.imgix.net\/icon_acupuncture.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/icon_acupuncture.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/icon_acupuncture.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/icon_acupuncture.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong><em>2025 \u5e74\u65b0\u7248\uff01<\/em><\/strong> <strong>\u91dd\u7078\uff1a<\/strong> \u91dd\u7078\u3001\u6307\u58d3\u6309\u6469\u548c\u53cd\u5c04\u7642\u6cd5\u5c31\u8a3a\u96f6\u5171\u4ed8\u984d\u2014\u2014\u6bcf\u5e74\u6700\u591a 40 \u6b21\u5c31\u8a3a<\/li>\n\n\n\n<li><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"350\" class=\"wp-image-16856\" style=\"\" src=\"https:\/\/elderplan.imgix.net\/icon_worldwide.png?fm=png\" alt=\"Worldwide\" srcset=\"https:\/\/elderplan.imgix.net\/icon_worldwide.png?fit=scale&amp;fm=png&amp;h=640&amp;w=640 640w, https:\/\/elderplan.imgix.net\/icon_worldwide.png?fit=scale&amp;fm=png&amp;h=960&amp;w=960 960w, https:\/\/elderplan.imgix.net\/icon_worldwide.png?fit=scale&amp;fm=png&amp;h=1280&amp;w=1280 1280w, https:\/\/elderplan.imgix.net\/icon_worldwide.png?fit=scale&amp;fm=png&amp;h=1536&amp;w=1536 1536w, https:\/\/elderplan.imgix.net\/icon_worldwide.png?fit=scale&amp;fm=png&amp;h=2048&amp;w=2048 2048w, https:\/\/elderplan.imgix.net\/icon_worldwide.png?fm=png 350w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"><strong>\u5168\u7403\u7dca\u6025\u91ab\u7642\u4fdd\u969c\uff1a<\/strong>\u514d\u81ea\u4ed8\u8cbb\u7528\uff0c\u4eab\u6709\u9ad8\u9054 50,000 \u7f8e\u5143\u7684\u5168\u7403\u7dca\u6025\u91ab\u7642\u4fdd\u969c + \u65c5\u904a\u7dca\u6025\u63f4\u52a9.\u00a0<sup><a href=\"#footnote_5_25018\" id=\"identifier_6_25018\" class=\"footnote-link footnote-identifier-link\" title=\"\u7576\u60a8\u96e2\u5bb6 100 \u82f1\u91cc\u4ee5\u4e0a\u6216\u524d\u5f80\u5176\u4ed6\u570b\u5bb6\u6642\uff0c\u53ef\u7372\u5f9724\/7\u5168\u5929\u5019\u5354\u52a9\u3002\u8a72\u8a08\u5283\u5c07\u60a8\u8207\u4e16\u754c\u5404\u5730\u7684\u91ab\u751f\u3001\u91ab\u9662\u3001\u85e5\u623f\u548c\u5176\u4ed6\u670d\u52d9\u6a5f\u69cb\u806f\u7e6b\u8d77\u4f86\uff0c\u56e0\u6b64\u60a8\u6c38\u9060\u4e0d\u6703\u7121\u6cd5\u7372\u5f97\u91ab\u7642\u670d\u52d9\u3002\">5<\/a><\/sup><br><br><\/li>\n<\/ul>\n\n\n\n<p>\u6240\u6709\u8cbb\u7528\u5206\u6524\u5747\u53d6\u6c7a\u65bc\u60a8\u7684 Medicaid \u91ab\u7642\u88dc\u52a9\u8cc7\u683c\u7b49\u7d1a\u3002<\/p>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-group glance explore\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"h-\u63a2\u7d22\u6211\u5011\u7684\u7db2\u7d61\">\u63a2\u7d22\u6211\u5011\u7684\u7db2\u7d61<\/h2>\n\n\n\n<div class=\"wp-block-group interested\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.3%\">\n<p>\u6211\u5011\u7684\u7db2\u7d61\u5305\u62ec\u00a0<strong>40,000<\/strong>\u00a0\u5c08\u5bb6\u3001\u521d\u7d1a\u4fdd\u5065\u91ab\u751f\u3001\u85e5\u5c40\u548c\u7259\u91ab\uff01<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-buttons is-nowrap is-layout-flex wp-container-core-buttons-is-layout-ad2f72ca wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/elderplan.providerlenz.com\/home\" target=\"_blank\" rel=\"noreferrer noopener\">\u5c0b\u627e\u91ab\u751f<\/a><\/div>\n\n\n\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-outline is-style-outline--3\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/zh\/member-benefits\/elderplan-benefits\/pharmacies\/\">\u5c0b\u627e\u85e5\u623f<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-nowrap is-layout-flex wp-container-core-buttons-is-layout-ad2f72ca wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-outline is-style-outline--4\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/yourdentalportal.com\/sbd\/dental?brand=healthplex\" target=\"_blank\" rel=\"noreferrer noopener\">\u5c0b\u627e\u7259\u91ab<\/a><\/div>\n\n\n\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-outline is-style-outline--5\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/zh\/member-benefits\/elderplan-benefits\/prescription-drugs\/\">\u5c0b\u627e\u85e5\u7269<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<section class=\"wp-block-group glance blue-glance\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-\u6709\u8208\u8da3\u52a0\u5165\u9019\u500b\u8a08\u5283\u55ce\">\u6709\u8208\u8da3\u52a0\u5165\u9019\u500b\u8a08\u5283\u55ce\uff1f<\/h2>\n\n\n\n<div class=\"wp-block-group interested has-background\" style=\"background:linear-gradient(135deg,rgb(255,255,255) 0%,rgb(255,255,255) 100%)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"background:linear-gradient(135deg,rgb(255,255,255) 0%,rgb(255,255,255) 100%)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>\u8981\u7b26\u5408\u6b64\u8a08\u5283\u7684\u8cc7\u683c\uff0c\u60a8\u5fc5\u9808\u63a5\u53d7\u6211\u5011\u8b77\u7406\u5e2b\u7684\u91ab\u7642\u4fdd\u5065\u8a55\u4f30\u3002<\/p>\n\n\n\n<p><strong>\u5982\u9700\u958b\u59cb\u4f7f\u7528\uff0c\u8acb\u81f4\u96fb<\/strong>\u6211\u5011\u7684\u53c3\u4fdd\u4e2d\u5fc3<a href=\"tel:18663601934\" rel=\"noreferrer noopener\" target=\"_blank\">1-866-360-1934<\/a>\uff08TTY\uff1a<a href=\"tel:711\" rel=\"noreferrer noopener\" target=\"_blank\">711<\/a>\uff09\u3002<\/p>\n\n\n\n<p><br>\u4ee3\u8868\u6bcf\u9031 7 \u5929\uff0c\u4e0a\u5348 8:00 \u81f3\u665a\u4e0a 8:00 \u70ba\u60a8\u63d0\u4f9b\u5354\u52a9\u3002<\/p>\n\n\n\n<p><strong>\u60a8\u662f\u5426\u77e5\u9053\u73fe\u5728\u6709\u66f4\u591a\u7684\u4eba\u6709\u8cc7\u683c\u7372\u5f97 Medicaid \u91ab\u7642\u88dc\u52a9\uff1f<\/strong><\/p>\n\n\n\n<p>\u77ad\u89e3\u6709\u95dc<a href=\"\/zh\/medicare-advantage-plan-options\/dual-eligible\/medicaid-spend-down-101\/\">\u7d10\u7d04\u5dde Medicaid \u91ab\u7642\u88dc\u52a9\u62b5\u964d\u4fdd\u8cbb\u548c\u91ab\u7642\u9700\u6c42\u6536\u5165\u6c34\u6e96 (MNIL)<\/a>\u00a0\u7684\u66f4\u591a\u8cc7\u8a0a\u3002<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<p><strong>\u4e0b\u8f09\u8a08\u5283\u8a73\u60c5 (PDF)<\/strong><\/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-100\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/files\/h3347_epc17854_m_map_2025_star_rating_tch_10-16-24_accessible\/\">C \u90e8\u5206\u548c D \u90e8\u5206\u661f\u7d1a<\/a><\/div>\n\n\n\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/files\/%E7%A6%8F%E5%88%A9%E6%91%98%E8%A6%81-elderplan%EF%BC%88%E9%95%B7%E8%80%81%E8%A8%88%E5%8A%83%EF%BC%89plus-long-term-care\/\">\u798f\u5229\u6458\u8981<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/section>\n\n\n\n<p class=\"padding-interior\" id=\"5-star-plan\"><\/p>\n<ol class=\"footnotes\"><li id=\"footnote_1_25018\" class=\"footnote\">MLTC \uff08\u9577\u671f\u7167\u8b77\u7ba1\u7406\uff09 \u6700\u4f4e\u9700\u6c42\u898f\u5b9a\uff08\u81ea2025\u5e749\u67081\u65e5\u8d77\u751f\u6548\uff09\u65b0\u52a0\u5165\u8005\u5fc5\u9808\u7b26\u5408\u66f4\u65b0\u5f8c\u7684\u6a19\u6e96\uff1a\u5728\u8d85\u904e\u5169\u9805\u65e5\u5e38\u751f\u6d3b\u6d3b\u52d5\uff08ADLs\uff09\u4e2d\u9700\u8981\u6709\u9650\u7684\u8eab\u9ad4\u5354\u52a9\uff0c\u6216\u60a3\u6709\u963f\u8332\u6d77\u9ed8\u75c7\uff0f\u5931\u667a\u75c7\uff0c\u4e26\u5728\u8d85\u904e\u4e00\u9805ADL\u4e2d\u9700\u8981\u76e3\u7763\u3002\u539f\u6709\u6210\u54e1\u4e0d\u53d7\u5f71\u97ff\u3002\u91ab\u5e2b\u5fc5\u9808\u586b\u5beb DOH-5821 \u8868\u683c\u4ee5\u78ba\u8a8d\u963f\u8332\u6d77\u9ed8\u75c7\uff0f\u5931\u667a\u75c7\u7684\u8a3a\u65b7\u3002<span class=\"footnote-back-link-wrapper\">[<a href=\"#identifier_1_25018\" class=\"footnote-link footnote-back-link\">\u21a9<\/a>]<\/span><\/li><li id=\"footnote_2_25018\" class=\"footnote\">\u9664\u7dca\u6025\u60c5\u6cc1\u5916\uff0c\u7db2\u5916\/\u975e\u5408\u7d04\u63d0\u4f9b\u8005\u6c92\u6709\u7fa9\u52d9\u70ba\u8a08\u756b\u6210\u54e1\u63d0\u4f9b\u6cbb\u7642\u3002\u8acb\u81f4\u96fb\u6211\u5011\u7684\u6703\u54e1\u670d\u52d9\u96fb\u8a71\u6216\u67e5\u770b\u60a8\u7684\u627f\u4fdd\u7bc4\u570d\u8b49\u660e\u4ee5\u7372\u53d6\u66f4\u591a\u4fe1\u606f\uff0c\u5305\u62ec\u9069\u7528\u65bc\u7db2\u7d61\u5916\u670d\u52d9\u7684\u8cbb\u7528\u5206\u6524\u3002<span class=\"footnote-back-link-wrapper\">[<a href=\"#identifier_2_25018\" class=\"footnote-link footnote-back-link\">\u21a9<\/a>]<\/span><\/li><li id=\"footnote_3_25018\" class=\"footnote\">OTC \u5361\u4e0d\u662f\u501f\u8a18\u5361\u6216\u4fe1\u7528\u5361\uff0c\u4e0d\u80fd\u8f49\u63db\u70ba\u73fe\u91d1\u3002[<span class=\"footnote-back-link-wrapper\">[<a href=\"#identifier_3_25018\" class=\"footnote-link footnote-back-link\">\u21a9<\/a>]<\/span><\/li><li id=\"footnote_4_25018\" class=\"footnote\">\u8cc7\u683c\u53d6\u6c7a\u65bc\u60a8\u662f\u5426\u60a3\u6709\u8207 SSBCI \u798f\u5229\uff08\u64f4\u5c55 OTC\uff09\u76f8\u95dc\u7684\u6162\u6027\u75c5\u3002 SSBCI \u75c5\u75c7\u7684\u7bc4\u4f8b\u5305\u62ec\u4f46\u4e0d\u9650\u65bc\u5fc3\u8840\u7ba1\u75be\u75c5\u3001\u7cd6\u5c3f\u75c5\u3001\u95dc\u7bc0\u708e\u3001\u6162\u6027\u80ba\u75c5\u548c\u764c\u75c7\u3002 \u9084\u6709\u5176\u4ed6\u672a\u5217\u51fa\u7684\u5408\u683c\u689d\u4ef6\u3002 \u6b64\u798f\u5229\u7684\u6a19\u6e96\u53ef\u80fd\u6703\u6709\u6240\u4e0d\u540c\u3002<span class=\"footnote-back-link-wrapper\">[<a href=\"#identifier_4_25018\" class=\"footnote-link footnote-back-link\">\u21a9<\/a>]<\/span><span class=\"footnote-back-link-wrapper\">[<a href=\"#identifier_5_25018\" class=\"footnote-link footnote-back-link\">\u21a9<\/a>]<\/span><\/li><li id=\"footnote_5_25018\" class=\"footnote\">\u7576\u60a8\u96e2\u5bb6 100 \u82f1\u91cc\u4ee5\u4e0a\u6216\u524d\u5f80\u5176\u4ed6\u570b\u5bb6\u6642\uff0c\u53ef\u7372\u5f9724\/7\u5168\u5929\u5019\u5354\u52a9\u3002\u8a72\u8a08\u5283\u5c07\u60a8\u8207\u4e16\u754c\u5404\u5730\u7684\u91ab\u751f\u3001\u91ab\u9662\u3001\u85e5\u623f\u548c\u5176\u4ed6\u670d\u52d9\u6a5f\u69cb\u806f\u7e6b\u8d77\u4f86\uff0c\u56e0\u6b64\u60a8\u6c38\u9060\u4e0d\u6703\u7121\u6cd5\u7372\u5f97\u91ab\u7642\u670d\u52d9\u3002<span class=\"footnote-back-link-wrapper\">[<a href=\"#identifier_6_25018\" class=\"footnote-link footnote-back-link\">\u21a9<\/a>]<\/span><\/li><\/ol>","protected":false},"excerpt":{"rendered":"<p>Benefits at a Glance \u6240\u6709\u8cbb\u7528\u5206\u6524\u5747\u53d6\u6c7a 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