2024年美国官方医保保险手册.pdf

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Medicare

TheofficialU.S.government

&YouMedicarehandbook

2024

2

What’snew&

important?

Medicarestrivestoimproveaccesstoaffordabletreatmentstokeepyouhealthy.

Checkoutwhat’snewthisyeartohelpyoumanageyourhealth.

Savingmoneyonyourprescriptiondrugs

IfyouhaveMedicaredrugcoverage(PartD)andyourdrugcostsarehighenough

toreachthecatastrophiccoveragephase,youdon’thavetopayacopayment

orcoinsurance.ExtraHelp—aprogramthathelpscoveryourPartDdrugcosts—

expandedtocovermoredrugcostsforcertainpeoplewithlimitedresourcesand

income.Gotopages83and92.

CoinsuranceamountsforsomePartB-covereddrugsmaybelessifaprescription

drug’spriceincreasedhigherthantherateofinflation.Gotopage40.

Lowercostsforinsulinandvaccines

YourMedicaredrugplancan'tchargeyoumorethan$35foraone-monthsupplyof

eachinsulinproductPartDcovers,andyoudon’thavetopayadeductibleforit.Goto

page88.

Ifyoutakeinsulinthroughatraditionalpumpthat’scoveredunderMedicare’sdurable

medicalequipmentbenefit,thatinsuliniscoveredunderMedicarePartB.Youwon’t

paymorethan$35foramonth’ssupplyandtheMedicaredeductiblenolonger

applies.Gotopages39and88.

Recommendedadultvaccinesarealsonowavailableatnocosttoyou.Gotopage50.

Changestotelehealthcoverage

YoucanstillgettelehealthservicesatanylocationintheU.S.,includingyourhome,

untiltheendof2024.Afterthat,youmustbeinanofficeormedicalfacilitylocatedin

aruralareatogetmosttelehealthservices.Therearesomeexceptions,likeformental

healthservices.Gotopage51.

Managingandtreatingchronicpain

Medica

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