p***g
发帖数: 47 | 1 【 以下文字转载自 WaterWorld 讨论区 】
发信人: pterg (pterg), 信区: WaterWorld
标 题: 美国人退休了之后没有保险了怎么看病？
发信站: BBS 未名空间站 (Sat Aug 24 03:01:12 2013, 美东)
每次去看到很老的坐在轮椅上美国老人去看医生，都在想他们怎么支付医疗费用？人在
美国退休了之后没有工作上給买的保险了？自己买保险又贵死。MediCare 据说
coverage 不好。60岁以上正是生病的时候，有病，每天都要吃药的话，美国医疗费用
这么贵，美国人是怎么办的？ |
s**x
发帖数: 7506 | 2 有个老人故意去抢银行，然后被关监狱，然后剩下来的日子医疗无忧。 |
h****n
发帖数: 2094 | 3 昨天邻居老太太跟我说最近叫了一次救护车，在icu住了几天，普通病房住了几天，一
分钱都不用自负。因为她有联邦和加州白卡两种保险。我听了想，难道从中国直接来的
老太太比在美国工作了一辈子的人能享受的福利好？他们是依亲绿卡，没有申请公民。
【在 p***g 的大作中提到】
: 【 以下文字转载自 WaterWorld 讨论区 】
: 发信人: pterg (pterg), 信区: WaterWorld
: 标 题: 美国人退休了之后没有保险了怎么看病？
: 发信站: BBS 未名空间站 (Sat Aug 24 03:01:12 2013, 美东)
: 每次去看到很老的坐在轮椅上美国老人去看医生，都在想他们怎么支付医疗费用？人在
: 美国退休了之后没有工作上給买的保险了？自己买保险又贵死。MediCare 据说
: coverage 不好。60岁以上正是生病的时候，有病，每天都要吃药的话，美国医疗费用
: 这么贵，美国人是怎么办的？
|
t**8
发帖数: 4527 | 4 You are right.
That's the reason I strongly support universal medical care.
Only under nationalized medical care system, our middle class can live
better life than the people who never work one day in US.
Under the current system , you have one million $ at the age of 55, laid off
, one million $ can only cover 10 emergency visits.
then, you have nothing left.
【在 h****n 的大作中提到】
: 昨天邻居老太太跟我说最近叫了一次救护车，在icu住了几天，普通病房住了几天，一
: 分钱都不用自负。因为她有联邦和加州白卡两种保险。我听了想，难道从中国直接来的
: 老太太比在美国工作了一辈子的人能享受的福利好？他们是依亲绿卡，没有申请公民。
|
l**t
发帖数: 6971 | 5
只要你没积蓄，就可以用Medicaid/MediCal啊。
一百遍啊一百遍，我都说了好几年了，网上这些假装富人反对Obamacare的人，其实都
是偷渡来的穷鬼，自己享受Medicaid，就盼着我们硅工老了被layoff，又没有保险，一
次大病就变成和他们一样的穷鬼。变成穷鬼以后倒是就有保险了。
【在 h****n 的大作中提到】
: 昨天邻居老太太跟我说最近叫了一次救护车，在icu住了几天，普通病房住了几天，一
: 分钱都不用自负。因为她有联邦和加州白卡两种保险。我听了想，难道从中国直接来的
: 老太太比在美国工作了一辈子的人能享受的福利好？他们是依亲绿卡，没有申请公民。
|
s**x
发帖数: 7506 | 6 me too. even though government pretty much handle everything badly, for
example, post office, but something must be done by government, just like
education, it is something you can not just demand money.
off
【在 t**8 的大作中提到】
: You are right.
: That's the reason I strongly support universal medical care.
: Only under nationalized medical care system, our middle class can live
: better life than the people who never work one day in US.
: Under the current system , you have one million $ at the age of 55, laid off
: , one million $ can only cover 10 emergency visits.
: then, you have nothing left.
|
w**1
发帖数: 1014 | 7 65以上Medicare，有些会再买补充保险；穷人Medicaid，跟年纪无关。
有些老年人医疗费用太高，钱用完了（asset spend down), 就可以用Medicaid。
55岁如果没工作，ACA 2014年可以买个人保险，不至于去几次ER就破产。 |
l**t
发帖数: 6971 | 8
ACA就是Obamacare啊，所以还是要感谢奥总统的德政啊。
【在 w**1 的大作中提到】
: 65以上Medicare，有些会再买补充保险；穷人Medicaid，跟年纪无关。
: 有些老年人医疗费用太高，钱用完了（asset spend down), 就可以用Medicaid。
: 55岁如果没工作，ACA 2014年可以买个人保险，不至于去几次ER就破产。
|
p***g
发帖数: 47 | 9 55岁如果没工作，ACA 2014年可以买个人保险每月多少钱？
【在 w**1 的大作中提到】
: 65以上Medicare，有些会再买补充保险；穷人Medicaid，跟年纪无关。
: 有些老年人医疗费用太高，钱用完了（asset spend down), 就可以用Medicaid。
: 55岁如果没工作，ACA 2014年可以买个人保险，不至于去几次ER就破产。
|
y****i
发帖数: 778 | 10 http://coveredca.com/news/PDFs/CC_Health_Plans_Booklet.pdf
$550-600/month for individual silver plan at 55 w/o assistance from federal
if your income is more than 400% FPL.
The amount of premium assistance depends on an individual’s income and age
and where the person lives. The Affordable Care Act sets a monthly maximum
that people will pay for health care, based on where their income falls in
relation to federal poverty levels. In general, the less income an
individual makes, the less he/she will have to pay for health insurance and
the more the federal government will help. The following table outlines the
maximum contribution, as a percent of income, you are responsible for toward
the cost of your monthly premium, depending where you fall in the federal
poverty level scale.
Federal Poverty Level
up to 150%
200%
250%
400%
Percent of Income
4%
6.3%
8.05%
9.5%
Maximum Monthly Portion
up to $57
up to $121
up to $193
up to $364
The premium assistance amount is based on the cost of the second-lowest
Silver plan available in an individual’s ZIP code. In each pricing region,
this booklet includes an asterisk (*) to indicate the second-lowest Silver
plan. The premium assistance will pay the gap between the full cost of the
second-lowest Silver plan and an individual’s monthly maximum portion. For
example, the cost of the second-lowest Silver plan for a 25-year-old in
Region 1 is $250. If a 25-year-old person’s income in Region 1 is 150
percent of the federal poverty level, or a total annual income of $17,235,
the following formula would calculate the premium assistance.
$250
cost of plan
– $57
monthly maximum portion (4% of $17,235)
=$193
premium assistance
【在 p***g 的大作中提到】
: 55岁如果没工作，ACA 2014年可以买个人保险每月多少钱？
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A*********l
发帖数: 2005 | 11 这个obama care，持绿卡(跟公民子女办的绿卡)的父母可以买吗？
谢谢。
federal
age
and
the
toward
【在 y****i 的大作中提到】
: http://coveredca.com/news/PDFs/CC_Health_Plans_Booklet.pdf
: $550-600/month for individual silver plan at 55 w/o assistance from federal
: if your income is more than 400% FPL.
: The amount of premium assistance depends on an individual’s income and age
: and where the person lives. The Affordable Care Act sets a monthly maximum
: that people will pay for health care, based on where their income falls in
: relation to federal poverty levels. In general, the less income an
: individual makes, the less he/she will have to pay for health insurance and
: the more the federal government will help. The following table outlines the
: maximum contribution, as a percent of income, you are responsible for toward
|
T******0
发帖数: 1071 | 12 medicaid能和medicare比吗？
【在 l**t 的大作中提到】
:
: ACA就是Obamacare啊，所以还是要感谢奥总统的德政啊。
|
y****i
发帖数: 778 | 13 可以。注意联邦补助是以tax credit的形式，所以要有税号。
【在 A*********l 的大作中提到】
: 这个obama care，持绿卡(跟公民子女办的绿卡)的父母可以买吗？
: 谢谢。
:
: federal
: age
: and
: the
: toward
|
u***e
发帖数: 611 | 14 All US citizen older than 65 can get Medicare. Medicare is good enough.
Green card holder older than 65 can get Med-cal in CA. It's not as good as
Medicare. Many doctors don't take MediCal. |
u***e
发帖数: 611 | 15 I think u have to be disabled to qualify for Medi-Cal if u r under 65. There
r still tons of poor people without any insurance.
【在 l**t 的大作中提到】
:
: ACA就是Obamacare啊，所以还是要感谢奥总统的德政啊。
|
H******9
发帖数: 8087 | |
p***g
发帖数: 47 | 17 我咋听说Med-cal 比Medicare 好用呀？求知识。
【在 u***e 的大作中提到】
: All US citizen older than 65 can get Medicare. Medicare is good enough.
: Green card holder older than 65 can get Med-cal in CA. It's not as good as
: Medicare. Many doctors don't take MediCal.
|
