{"id":25104,"date":"2024-08-07T17:15:41","date_gmt":"2024-08-07T21:15:41","guid":{"rendered":"https:\/\/www.elderplan.org\/?page_id=25104"},"modified":"2025-09-29T17:49:45","modified_gmt":"2025-09-29T21:49:45","slug":"understanding-medicare-advantage-part-d-costs","status":"publish","type":"page","link":"https:\/\/elderplan0.wpengine.com\/zh\/understanding-medicare-advantage-part-d-costs\/","title":{"rendered":"\u77ad\u89e3 Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2 D \u90e8\u5206\u8cbb\u7528"},"content":{"rendered":"\n<div class=\"wp-block-columns padding-interior 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:66.66%\">\n<p><strong>Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2 (MA) \u8a08\u5283\u63d0\u4f9b\u4e86\u539f\u59cb Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u7684\u66ff\u4ee3\u65b9\u6848\u3002 \u9019\u4e9b\u8a08\u5283\u901a\u5e38\u5305\u62ec D \u90e8\u5206\u8655\u65b9\u85e5\u627f\u4fdd\u3002 \u4f46\u77ad\u89e3\u6240\u6d89\u53ca\u7684\u8cbb\u7528\u53ef\u80fd\u6703\u4ee4\u4eba\u56f0\u60d1\u3002 \u4ee5\u4e0b\u662f\u95dc\u9375\u8853\u8a9e\u4ee5\u53ca\u5982\u4f55\u53ef\u80fd\u964d\u4f4e\u60a8\u7684\u8cbb\u7528\u7684\u7d30\u5206\u3002<\/strong><\/p>\n\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u95dc\u9375\u8853\u8a9e\"><strong>\u95dc\u9375\u8853\u8a9e<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u81ea\u4ed8\u984d\uff1a<\/strong>\u5728\u60a8\u7684\u8a08\u5283\u958b\u59cb\u4ed8\u6b3e\u548c\u5171\u540c\u4fdd\u96aa\u751f\u6548\u4e4b\u524d\uff0c\u60a8\u6bcf\u5e74\u70ba\u8b77\u7406\u652f\u4ed8\u7684\u91d1\u984d\u3002<\/li>\n\n\n\n<li><strong>\u5171\u540c\u4fdd\u96aa\uff1a<\/strong> \u662f\u6307\u60a3\u8005\u5728\u9054\u5230\u81ea\u4ed8\u6263\u9664\u91d1\u540e\u652f\u4ed8\u7684\u627f\u4fdd\u91ab\u7642\u5065\u5eb7\u8b77\u7406\u670d\u52d9\u7684\u767e\u5206\u6bd4\u3002&nbsp;\u5b83\u901a\u5e38\u4ee5\u767e\u5206\u6bd4\u8868\u793a\uff0c\u4f8b\u5982 25%<\/li>\n\n\n\n<li><strong>\u5171\u4ed8\u984d\uff1a<\/strong> \u60a8\u53ef\u4ee5\u70ba\u6bcf\u7a2e\u8655\u65b9\u85e5\u6216\u670d\u52d9\u652f\u4ed8\u56fa\u5b9a\u8cbb\u7528<\/li>\n\n\n\n<li><strong>\u8cbb\u7528\u5206\u6524\uff1a<\/strong> \u75c5\u60a3\u70ba\u5065\u5eb7\u8b77\u7406\u670d\u52d9\u652f\u4ed8\u7684\u7e3d\u91d1\u984d\uff0c\u5305\u62ec\u81ea\u4ed8\u984d\u3001\u5171\u4ed8\u8cbb\u548c\u5171\u540c\u4fdd\u96aa\u3002<\/li>\n\n\n\n<li><strong>\u81ea\u4ed8\u8cbb\u7528\u6700\u9ad8\u9650\u984d\uff1a<\/strong>\u60a8\u6bcf\u5e74\u70ba\u627f\u4fdd\u670d\u52d9\u652f\u4ed8\u7684\u6700\u9ad8\u91d1\u984d\u3002<\/li>\n<\/ul>\n\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-medicare-\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2-d-\u90e8\u5206\u8cbb\u7528\"><strong>Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2 D \u90e8\u5206\u8cbb\u7528<\/strong><\/h2>\n\n\n\n<p>\u60a8\u7684 Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2 D \u90e8\u5206\u8a08\u5283\u7684\u5177\u9ad4\u8cbb\u7528\u5c07\u56e0\u591a\u7a2e\u56e0\u7d20\u800c\u7570\uff0c\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u60a8\u9078\u64c7\u7684\u8a08\u5283\uff1a<\/strong> \u4e0d\u540c\u7684\u8a08\u5283\u6709\u4e0d\u540c\u7684\u627f\u4fdd\u7bc4\u570d\u548c\u8cbb\u7528\u7d50\u69cb\u3002<\/li>\n\n\n\n<li><strong>\u60a8\u9700\u8981\u7684\u85e5\u7269\uff1a<\/strong> <a href=\"\/zh\/member-benefits\/elderplan-benefits\/prescription-drugs\/formulary-faqs\/\">\u85e5\u7269\u7684\u7b49\u7d1a<\/a>\uff08\u4eff\u88fd\u85e5\u3001\u9996\u9078\u54c1\u724c\u3001\u975e\u9996\u9078\u54c1\u724c\uff09\u6703\u5f71\u97ff\u60a8\u7684\u8cbb\u7528\u3002<\/li>\n\n\n\n<li><strong>\u60a8\u7684\u6536\u5165\uff1a<\/strong> \u4f4e\u6536\u5165\u500b\u4eba\u53ef\u80fd\u6709\u8cc7\u683c\u7372\u5f97\u5177\u6709\u8655\u65b9\u85e5\u8cbb\u7528\u7684<a href=\"\/zh\/extra-help-for-medicare-part-d\/\">\u300c\u984d\u5916\u8f14\u52a9\u300d<\/a>\u3002<\/li>\n<\/ul>\n\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u5171\u540c\u4fdd\u96aa\u5728-medicare-\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2-d-\u90e8\u5206\u4e2d\u7684\u904b\u4f5c\u65b9\u5f0f\"><strong>\u5171\u540c\u4fdd\u96aa\u5728 Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2 D \u90e8\u5206\u4e2d\u7684\u904b\u4f5c\u65b9\u5f0f<\/strong><\/h2>\n\n\n\n<p><strong>\u5728\u60a8\u9054\u5230\u8a72\u8a08\u5283\u7684\u81ea\u4ed8\u984d\u5f8c<\/strong>\uff0c\u60a8\u53ef\u9032\u5165\u5171\u540c\u4fdd\u96aa\u968e\u6bb5\u3002 \u9019\u610f\u5473\u8457<strong>\u60a8\u5c07\u652f\u4ed8\u4e00\u5b9a\u6bd4\u4f8b\u7684\u85e5\u7269\u8cbb\u7528<\/strong>\uff08\u5171\u540c\u4fdd\u96aa\uff09\uff0c\u800c\u8a72\u8a08\u5283\u627f\u4fdd\u5269\u9918\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u5171\u540c\u4fdd\u96aa\u8cbb\u7528\u5982\u4f55\u904b\u4f5c\u7684\u7bc4\u4f8b\uff1a<\/p>\n\n\n\n<p>\u7d04\u7ff0\u7684\u5065\u4fdd\u8a08\u5283\u670975\/25\u7684\u5171\u540c\u4fdd\u96aa\u3002 \u9019\u610f\u5473\u8457\uff0c\u5728\u7d04\u7ff0\u9054\u5230\u4ed6\u7684\u81ea\u4ed8\u6263\u9664\u91d1\u540e\uff0c\u4ed6\u7684\u8a08\u5283\u5c07\u652f\u4ed8 75% \u7684\u627f\u4fdd\u8cbb\u7528\uff0c\u800c\u7d04\u7ff0\u5c07\u652f\u4ed8\u5269\u4e0b\u7684 25%\u3002<\/p>\n\n\n\n<p><strong>\u60c5\u666f\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u60a8\u7684 D \u90e8\u5206\u8a08\u5283\u6709 <strong>$400 \u7684\u81ea\u4ed8\u6263\u9664\u91d1<\/strong> \u548c <strong>25% \u7684\u5171\u540c\u4fdd\u96aa<\/strong><\/li>\n\n\n\n<li>\u60a8\u5728\u8655\u65b9\u85e5\u4e0a\u82b1\u8cbb\u4e86 400 \u7f8e\u5143\uff0c\u56e0\u6b64\u60a8\u9054\u5230\u4e86\u81ea\u4ed8\u984d<\/li>\n\n\n\n<li>\u60a8\u7684\u4e0b\u4e00\u500b\u8655\u65b9\u85e5\u662f 100 \u7f8e\u5143<\/li>\n\n\n\n<li>\u60a8\u9700\u652f\u4ed8 $100 \u7684 25% \u6216\u60a8\u61c9\u627f\u64d4\u7684\u8cbb\u7528<\/li>\n\n\n\n<li>\u672c\u8a08\u5283\u5c07\u652f\u4ed8 $100 \u7684 75%\uff0c\u6240\u4ee5\u8a08\u5283\u61c9\u627f\u64d4\u7684\u8cbb\u7528\u70ba $75<\/li>\n<\/ul>\n\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u964d\u4f4e\u60a8\u7684\u6210\u672c\">\u964d\u4f4e\u60a8\u7684\u6210\u672c<\/h2>\n\n\n\n<p>\u6709\u591a\u7a2e\u7b56\u7565\u53ef\u5354\u52a9\u60a8\u964d\u4f4e Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2 D \u90e8\u5206\u7684\u8cbb\u7528\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u53c3\u4fdd\u300c\u984d\u5916\u8f14\u52a9\u300d\uff1a<\/strong> \u5982\u679c\u60a8\u7684\u6536\u5165\u8db3\u5920\u4f4e\uff0c\u60a8\u53ef\u80fd\u6709\u8cc7\u683c\u5f9e Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u7372\u5f97<a href=\"\/zh\/extra-help-for-medicare-part-d\/\">\u300c\u984d\u5916\u8f14\u52a9\u300d<\/a>\u3002 \u8a72\u8a08\u5283\u53ef\u4ee5\u986f\u8457\u964d\u4f4e\u8655\u65b9\u85e5\u6210\u672c\uff0c\u6d88\u9664\u627f\u4fdd\u7f3a\u53e3\u3002<\/li>\n\n\n\n<li><strong>\u6bcf\u5e74\u6bd4\u8f03\u8a08\u5283\uff1a<\/strong> \u8a08\u5283\u6210\u672c\u548c\u8655\u65b9\u85e5\u4e00\u89bd\u8868\u6bcf\u5e74\u90fd\u6703\u767c\u751f\u8b8a\u5316\u3002 \u6bd4\u8f03\u5e74\u5ea6\u53c3\u4fdd\u671f\uff0810 \u6708 15 \u65e5\u81f3 12 \u6708 7 \u65e5\uff09\u5167\u7684\u8a08\u5283\uff0c\u627e\u5230\u6700\u4f73\u9078\u64c7\u3002<\/li>\n\n\n\n<li><strong>\u4f7f\u7528\u526f\u5ee0\u85e5\uff1a<\/strong> \u4eff\u88fd\u85e5\u4e00\u822c\u6bd4\u54c1\u724c\u85e5\u4fbf\u5b9c\u3002<\/li>\n\n\n\n<li><strong>\u5229\u7528\u90f5\u8cfc\u85e5\u623f\u9078\u9805\uff1a<\/strong> \u8a31\u591a\u8a08\u5283\u63d0\u4f9b\u8cbb\u7528\u8f03\u4f4e\u7684\u90f5\u8cfc\u8655\u65b9\u85e5\u3002<\/li>\n\n\n\n<li><strong>\u63a2\u7d22\u88fd\u9020\u5546\u512a\u60e0\u5238\u548c\u75c5\u60a3\u63f4\u52a9\u8a08\u5283\uff1a<\/strong> \u4e00\u4e9b\u85e5\u54c1\u88fd\u9020\u5546\u63d0\u4f9b\u512a\u60e0\u5238\u6216\u75c5\u60a3\u63f4\u52a9\u8a08\u5283\u4f86\u5354\u52a9\u964d\u4f4e\u8cbb\u7528\u3002<\/li>\n<\/ol>\n\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5176\u4ed6\u6f5b\u5728\u7684\u5354\u52a9<\/strong><\/h2>\n\n\n\n<p>\u6839\u64da\u60a8\u6240\u5728\u7684\u5dde\u548c\u60c5\u6cc1\uff0c\u60a8\u53ef\u80fd\u6709\u8cc7\u683c\u7372\u5f97\u5176\u4ed6\u63f4\u52a9\u8a08\u5283\u3002 \u9019\u4e9b\u8a08\u5283\u53ef\u5354\u52a9\u652f\u4ed8\u8655\u65b9\u85e5\u8cbb\u7528\u548c\u5176\u4ed6\u5065\u5eb7\u8b77\u7406\u8cbb\u7528\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5dde Medicaid \u91ab\u7642\u88dc\u52a9\u8a08\u5283\uff1a<\/strong> \u4e00\u4e9b\u5dde\u63d0\u4f9b\u4e86\u53ef\u5354\u52a9\u4f4e\u6536\u5165\u8005\u652f\u4ed8\u8655\u65b9\u85e5\u8cbb\u7528\u7684 Medicaid \u91ab\u7642\u88dc\u52a9\u8a08\u5283\u3002 \u8acb\u700f\u89bd <a href=\"https:\/\/www.medicaid.gov\/state-overviews\/stateprofile.html?state=new-york\">Medicaid \u91ab\u7642\u88dc\u52a9\u548c\u7d10\u7d04<\/a>\u9801\u9762\uff0c\u77ad\u89e3\u6700\u65b0\u8cc7\u8a0a\u548c\u8a08\u5283\u3002<\/li>\n\n\n\n<li><strong>\u5dde\u653f\u5e9c\u91ab\u85e5\u88dc\u52a9\u8a08\u5283 (PAP)\uff1a<\/strong> \u8a31\u591a\u5dde\u6709\u5354\u52a9\u8001\u5e74\u4eba\u652f\u4ed8\u8655\u65b9\u85e5\u8cbb\u7528\u7684\u8a08\u5283\u3002<a href=\"https:\/\/www.ncsl.org\/health\/state-pharmaceutical-assistance-programs\">\u5dde\u653f\u5e9c\u91ab\u85e5\u88dc\u52a9\u8a08\u5283<\/a><\/li>\n\n\n\n<li><strong>\u7576\u5730\u63f4\u52a9\u8a08\u5283\uff1a<\/strong> \u4e00\u4e9b\u793e\u5340\u63d0\u4f9b\u4e86\u652f\u4ed8\u8655\u65b9\u85e5\u8cbb\u7528\u7684\u63f4\u52a9\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u91cd\u8981\u9808\u77e5\uff1a<\/strong> \u8acb\u52d9\u5fc5\u6aa2\u8996\u60a8\u7684\u5177\u9ad4 Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2 D \u90e8\u5206\u8a08\u5283\u6587\u4ef6\uff0c\u4e26\u8aee\u8a62\u5065\u5eb7\u8b77\u7406\u5c08\u696d\u4eba\u54e1\u6216 Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u9867\u554f\uff0c\u4ee5\u4fbf\u5145\u5206\u77ad\u89e3\u60a8\u7684\u627f\u4fdd\u7bc4\u570d\u548c\u8cbb\u7528\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%\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Medicare \u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u512a\u52e2 (MA) \u8a08\u5283\u63d0\u4f9b\u4e86\u539f\u59cb [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":0,"parent":0,"menu_order":7,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"class_list":["post-25104","page","type-page","status-publish","hentry"],"translation":{"provider":"WPGlobus","version":"3.0.0","language":"zh","enabled_languages":["en","es","zh"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"es":{"title":true,"content":true,"excerpt":false},"zh":{"title":true,"content":true,"excerpt":false}}},"acf":[],"jetpack_sharing_enabled":true,"publishpress_future_action":{"enabled":false,"date":"2026-06-09 06:53:16","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/elderplan0.wpengine.com\/zh\/wp-json\/wp\/v2\/pages\/25104","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elderplan0.wpengine.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/elderplan0.wpengine.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/elderplan0.wpengine.com\/zh\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/elderplan0.wpengine.com\/zh\/wp-json\/wp\/v2\/comments?post=25104"}],"version-history":[{"count":0,"href":"https:\/\/elderplan0.wpengine.com\/zh\/wp-json\/wp\/v2\/pages\/25104\/revisions"}],"wp:attachment":[{"href":"https:\/\/elderplan0.wpengine.com\/zh\/wp-json\/wp\/v2\/media?parent=25104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elderplan0.wpengine.com\/zh\/wp-json\/wp\/v2\/categories?post=25104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}