전문 라이센스드 메디케어 에이전트가 들려주는 메디케어 이야기

2025년에는 메디케어정책이 새로운 부분이 무엇인지 확실히 정리합니다.(2025년 메디케어 핸드북 링크 클릭)

확실한 전문 읽어보시고 한글로 적힌 부분은 전문에 대한 제 해설입니다.

<치매관련>

Some people living with dementia and their family and unpaid caregivers may be able to get additional support through the Guiding an Improved Dementia Experience Model pilot program. Talk to your provider for more information and to find out if they’re participating. (p.35)

치매 및 그 가족 간병인과 함께 거주하는 일부 사람들은 치매 개선 안내를 통해 추가 지원을 받을 수 있습니다
the Guiding an Improved Dementia Experience Model pilot program. 자세한 내용은 주치의 선생님에게 문의하세요.

<메디케어 보험료 청구관련>

Starting soon, you’ll get this notice in the mail every 4 months unless you have
signed up to get it electronically.(p.58,59)

Important! Get your Medicare Summary Notices electronically
Get your “Medicare Summary Notices” electronically. Visit Medicare.gov
to log into (or create) your secure Medicare account. If you sign up
for electronic MSNs, we’ll send you an email each month when they’re
available in your Medicare account, instead of paper copies in the mail. As
of early 2024, people who signed up for electronic MSNs helped save the
Medicare Program close to $35 million.
You have options for how you get your Medicare claims informati

곧 4개월에 한번 메디케어 파트 B보험료 청구서를 받게 되실겁니다. SSA를 받지 않고 계시는 분들은 자신의 은행구좌에서 바로 나가는 자동이체신청을 메디케어 웹사이트 자신의 어카운트에서 하실수 있습니다.

<약값관련>

1.In 2025, your yearly out-of-pocket drug costs will be capped at $2,000. Once
you reach this limit in 2025 (from your out-of-pocket spending plus certain
payments other people or entities make, including Medicare’s Extra Help
program) you won’t have to pay a copayment or coinsurance for covered
Part D drugs for the rest of the calendar year.(p.83)

2025년, 약값은 개인부담 $2,000에 도달하면 됩니다.

2.Medicare Prescription Payment Plan
Starting in 2025, this new payment option works with your current drug
coverage to help you manage your out-of-pocket drug costs, by spreading
them across the calendar year (January–December). This payment option
might help you manage your expenses, but it doesn’t save you money or
lower your drug costs.
If you select this payment option, each month you’ll continue to pay your
plan premium (if you have one), and you’ll get a bill from your health or drug
plan to pay for your prescription drugs (instead of paying the pharmacy). All
plans offer this payment option, and participation is voluntary. It doesn’t
cost anything to participate in the Medicare Prescription Payment Plan.
Contact your plan or visit Medicare.gov/prescription-payment-plan for more
information and to find out if this payment option is right for you.(p.83)

이 프로그램을 이용하게 되면 내가 내게 되는 약값을 디덕터블 코페이 그렇게 따로따로 내는 것이 아니라 12개월로 나누어 1년에 총 내야 하는 약값을 내게 됩니다. 약값을 적게 내는 것이 아니라 내가 낼 약값을 12개월로 나누어 일정하게 내는것입니다.

<우체국 직원 혹은 우체국 은퇴하신 분들 집중>

Starting January 1, 2025, eligible U.S. Postal Service employees, retirees, and
their families will get coverage through the Postal Service Health Benefits
Program (PSHB) instead of FEHB. Visit OPM.gov/healthcare-insurance/pshb to learn more.(p.90)

2025년 부터 우체국직원분들 은퇴자 가족분들은 이때까지 이용하셨던 FEHB가 아닌 PSHB 를 이용하시게 됩니다. 이 부분 우체국 쪽에 문의하셔서 나의 건강보험혜택이 적정수준 이상인지 꼭 확인해보세요. 적정수준 이상의 보험혜택이 아니실 경우 후에 메디케어 벌금에 해당하실수도 있습니다.

FEHB에 대해 정확한 설명입니다.
Federal Employee Health Benefits Program (FEHB)
This is health coverage for current and retired federal employees and covered
family members. These plans usually include creditable prescription drug
coverage, so you don’t need to get Medicare drug coverage (Part D). However,
if you decide to get Medicare drug coverage, you can keep your FEHB
plan, and in most cases, Medicare will pay first. For more information, visit
OPM.gov/healthcare-insurance/healthcare, or call the Office of Personnel
Management at 1-888-767-6738. TTY users can call 711. If you’re an active
federal employee, contact your Benefits Officer. Visit apps.opm.gov/abo for a
list of Benefits Officers. You can also call your plan if you have questions(p.89)

그렇다면 이 새로운 정책들이 나에게 정확히 어떻게 적용될지 궁금하시다면 무료상담 신청하세요.

licensed aget Meeran Kang call. 201 537 5388