{"id":46231,"date":"2026-01-14T15:42:55","date_gmt":"2026-01-14T20:42:55","guid":{"rendered":"https:\/\/www.elderplan.org\/?page_id=46231"},"modified":"2026-02-19T12:05:03","modified_gmt":"2026-02-19T17:05:03","slug":"understanding-out-of-pocket-costs","status":"publish","type":"page","link":"https:\/\/www.elderplan.org\/zh\/understanding-out-of-pocket-costs\/","title":{"rendered":"\u77ad\u89e3\u60a8\u7684\u81ea\u4ed8\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>\u8ac7\u5230\u5065\u4fdd\u8a08\u5283\uff0c\u627f\u4fdd\u7684\u689d\u6b3e\u6709\u6642\u53ef\u80fd\u96e3\u4ee5\u7406\u89e3\u3002\u77ad\u89e3\u5176\u904b\u4f5c\u65b9\u5f0f\u5c0d\u65bc\u66f4\u597d\u5730\u7406\u89e3\u60a8\u7684\u5065\u4fdd\u8a08\u5283\u798f\u5229\u975e\u5e38\u91cd\u8981\u3002\u4ee5\u4e0b\u662f\u60a8\u9700\u8981\u77ad\u89e3\u7684\u4e00\u4e9b\u5e38\u7528\u8853\u8a9e\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u4fdd\u8cbb<\/strong><\/li>\n\n\n\n<li><strong>\u81ea\u4ed8\u984d<\/strong>\u00a0<\/li>\n\n\n\n<li><strong>\u5171\u540c\u652f\u4ed8\u8cbb\u7528<\/strong>\uff08\u6216\u5171\u4ed8\u984d\uff09<\/li>\n\n\n\n<li><strong>\u5171\u540c\u4fdd\u96aa<\/strong><\/li>\n\n\n\n<li><strong>\u6700\u9ad8\u81ea\u4ed8\u8cbb\u7528 (MOOP) \u91d1\u984d<\/strong><\/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\" id=\"h-\u4ec0\u9ebc\u662f\u4fdd\u8cbb\">\u4ec0\u9ebc\u662f\u4fdd\u8cbb\uff1f<\/h2>\n\n\n\n<p>\u4fdd\u8cbb\u662f\u6307\u60a8\u6bcf\u6708\u70ba\u91ab\u7642\u548c\/\u6216\u8655\u65b9\u85e5\u4fdd\u96aa\u627f\u4fdd\u652f\u4ed8\u7684\u56fa\u5b9a\u91d1\u984d\u3002\u60a8\u5fc5\u9808\u6bcf\u6708\u5411\u60a8\u7684\u5065\u4fdd\u8a08\u5283\u652f\u4ed8\u4fdd\u8cbb\uff08\u9664\u975e Medicaid \u91ab\u7642\u88dc\u52a9\u6216\u5176\u4ed6\u8a08\u5283\u70ba\u60a8\u652f\u4ed8\uff09\u3002<\/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-\u4ec0\u9ebc\u662f\u81ea\u4ed8\u984d\">\u4ec0\u9ebc\u662f\u81ea\u4ed8\u984d\uff1f<\/h2>\n\n\n\n<p>\u81ea\u4ed8\u984d\u662f\u6307\u5728\u60a8\u7684\u8a08\u5283\u958b\u59cb\u652f\u4ed8\u5176\u61c9\u627f\u64d4\u8cbb\u7528\u4e4b\u524d\uff0c\u60a8\u5fc5\u9808\u5148\u70ba\u91ab\u7642\u670d\u52d9\u6216\u8655\u65b9\u85e5\u652f\u4ed8\u7684\u91d1\u984d\u3002\u60a8\u5fc5\u9808\u652f\u4ed8\u6240\u6709\u627f\u4fdd\u670d\u52d9\u6216\u8655\u65b9\u85e5\u7684\u5168\u90e8\u8cbb\u7528\uff0c\u76f4\u5230\u60a8\u652f\u4ed8\u4e86\u81ea\u4ed8\u984d\u70ba\u6b62\u3002<\/p>\n\n\n\n<p><strong>\u4f8b\u5982\uff1a<\/strong>\u5982\u679c\u60a8\u7684 B \u90e8\u5206\u81ea\u4ed8\u984d\u70ba $283\uff0c\u5247\u5728\u60a8\u7684\u8a08\u5283\u958b\u59cb\u652f\u4ed8\u4e4b\u524d\uff0c\u60a8\u9700\u8981\u5148\u652f\u4ed8 $283 \u7684\u627f\u4fdd\u670d\u52d9\u8cbb\u7528\u3002<\/p>\n\n\n\n<p><strong><strong><strong>\u5728\u9054\u5230\u81ea\u4ed8\u984d\u5f8c\uff0c\u60a8\u548c\u60a8\u7684\u8a08\u5283\u5c07\u5171\u540c\u5206\u6524\u627f\u4fdd\u670d\u52d9\u7684\u8cbb\u7528\u3002\u901a\u5e38\u60c5\u6cc1\u4e0b\uff0c\u8a08\u5283\u5c07\u4ee5\u5171\u4ed8\u984d\u6216\u5171\u540c\u4fdd\u96aa\u91d1\u984d\uff08\u5169\u8005\u7d55\u4e0d\u540c\u6642\u51fa\u73fe\uff09\u7684\u5f62\u5f0f\u5217\u660e\u60a8\u9700\u8981\u5206\u6524\u7684\u8cbb\u7528\u3002<\/strong><\/strong><\/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-\u4ec0\u9ebc\u662f\u8cbb\u7528\u5206\u6524\">\u4ec0\u9ebc\u662f\u8cbb\u7528\u5206\u6524\uff1f<\/h2>\n\n\n\n<p><strong>\u8cbb\u7528\u5206\u6524<\/strong>\u662f\u6307\u60a8\u5728\u53d6\u5f97\u5065\u5eb7\u8b77\u7406\u6216\u914d\u53d6\u8655\u65b9\u85e5\u6642\u6240\u652f\u4ed8\u7684\u90e8\u5206\u8cbb\u7528\u3002<br>\u8cbb\u7528\u5206\u6524\u7684\u985e\u578b\u5305\u62ec\u5171\u4ed8\u984d\u548c\u5171\u540c\u4fdd\u96aa\u3002\u60a8\u8207\u60a8\u7684\u5065\u4fdd\u8a08\u5283\u5171\u540c\u5206\u6524\u5065\u5eb7\u91ab\u7642\u8cbb\u7528\u3002<\/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-\u4ec0\u9ebc\u662f\u5171\u540c\u652f\u4ed8\u8cbb\u7528-\u6216\u5171\u4ed8\u984d\">\u4ec0\u9ebc\u662f\u5171\u540c\u652f\u4ed8\u8cbb\u7528\uff08\u6216\u5171\u4ed8\u984d\uff09\uff1f<\/h2>\n\n\n\n<p><strong>\u5171\u4ed8\u984d<\/strong>\u662f\u6307\u60a8\u5fc5\u9808\u70ba\u67d0\u9805\u670d\u52d9\u6216\u85e5\u7269\u652f\u4ed8\u7684\u56fa\u5b9a\u91d1\u984d\u3002<\/p>\n\n\n\n<p><strong>\u4f8b\u5982\uff1a<\/strong>\u5c08\u79d1\u91ab\u751f\u5c31\u8a3a\u8cbb\u7528\u70ba $100\u3002\u60a8\u7684\u5c08\u79d1\u91ab\u751f\u5c31\u8a3a\u81ea\u4ed8\u984d\u70ba $20\u3002\u56e0\u6b64\uff0c\u60a8\u652f\u4ed8 $20\uff0c\u60a8\u7684\u8a08\u5283\u652f\u4ed8\u5269\u4e0b\u7684 $80\u3002<\/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-\u4ec0\u9ebc\u662f\u5171\u540c\u4fdd\u96aa\">\u4ec0\u9ebc\u662f\u5171\u540c\u4fdd\u96aa\uff1f<\/h2>\n\n\n\n<p><strong>\u5171\u540c\u4fdd\u96aa<\/strong>\u662f\u6307\u60a8\u5fc5\u9808\u70ba\u67d0\u9805\u670d\u52d9\u6216\u85e5\u7269\u652f\u4ed8\u7684\u7e3d\u8cbb\u7528\u7684\u767e\u5206\u6bd4\u3002<\/p>\n\n\n\n<p><strong>\u4f8b\u5982\uff1a<\/strong>\u5c08\u79d1\u91ab\u751f\u5c31\u8a3a\u8cbb\u7528\u70ba $100\u3002\u60a8\u7684\u5c08\u79d1\u91ab\u751f\u5c31\u8a3a\u5171\u540c\u4fdd\u96aa\u70ba 20%\u3002\u56e0\u6b64\uff0c\u60a8\u652f\u4ed8 $100 \u7684 20% = $20\uff0c\u60a8\u7684\u8a08\u5283\u652f\u4ed8\u5269\u4e0b $100 \u7684 80% = $80\u3002<\/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-\u4ec0\u9ebc\u662f\u6700\u9ad8\u81ea\u4ed8\u8cbb\u7528\u91d1\u984d\">\u4ec0\u9ebc\u662f\u6700\u9ad8\u81ea\u4ed8\u8cbb\u7528\u91d1\u984d\uff1f<\/h2>\n\n\n\n<p>\u60a8\u6bcf\u5e74\u652f\u4ed8\u7684\u627f\u4fdd\u91ab\u7642\u670d\u52d9\u8cbb\u7528\u90fd\u6709\u4e0a\u9650\u3002\u9019\u7a31\u70ba\u6700\u9ad8\u81ea\u4ed8\u8cbb\u7528\u91d1\u984d (MOOP) \u2014 \u4e00\u65e6\u9054\u5230 MOOP\uff0c\u60a8\u7684\u8a08\u5283\u5c07\u652f\u4ed8\u7576\u5e74\u5269\u9918\u6642\u9593\u5167\u60a8\u7684\u627f\u4fdd\u91ab\u7642\u670d\u52d9\u7684\u5168\u90e8\u8cbb\u7528\u3002\u60a8\u7684 MOOP \u6703\u5217\u5728\u6703\u54e1\u8cc7\u6599\u4e2d\uff0c\u4f8b\u5982\u300c<em>\u627f\u4fdd\u7bc4\u570d\u8aaa\u660e\u66f8<\/em>\u300d\u6216\u5e74\u5ea6\u8b8a\u66f4\u901a\u77e5\u3002MOOP \u50c5\u9069\u7528\u65bc\u91ab\u7642\u670d\u52d9\uff1b\u4e0d\u9069\u7528\u65bc\u8655\u65b9\u85e5\u627f\u4fdd\u3002<\/p>\n\n\n\n<p><strong>\u4f8b\u5982\uff1a<\/strong>\u5982\u679c\u60a8\u7684 MOOP \u70ba <strong>$5,000<\/strong>\uff0c\u4e26\u4e14\u60a8\u5728\u5e74\u5e95\u524d\u5df2\u652f\u4ed8\u8a72\u91d1\u984d\uff0c\u5247\u5728 12 \u6708 31 \u65e5\u4e4b\u524d\uff0c\u60a8\u70ba\u627f\u4fdd\u670d\u52d9\u652f\u4ed8 <strong>$0<\/strong>\u3002<\/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-\u77ad\u89e3\u66f4\u591a\u95dc\u65bc\u85e5\u7269\u627f\u4fdd\u7684\u8cc7\u8a0a\">\u77ad\u89e3\u66f4\u591a\u95dc\u65bc\u85e5\u7269\u627f\u4fdd\u7684\u8cc7\u8a0a<\/h2>\n\n\n\n<p>\u6b32\u77ad\u89e3 Elderplan\uff08\u9577\u8001\u8a08\u5283\uff09<strong>D \u90e8\u5206\u8655\u65b9\u85e5\u627f\u4fdd<\/strong>\u53ca\u8cbb\u7528\u5206\u6524\u7684\u8a73\u7d30\u8aaa\u660e\uff0c\u8acb\u700f\u89bd\uff1a<br><a href=\"https:\/\/www.elderplan.org\/zh\/member-benefits\/elderplan-benefits\/prescription-drugs\">elderplan.org\/zh\/member-benefits\/elderplan-benefits\/prescription-drugs<\/a><\/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-\u5f71\u97ff\u60a8\u652f\u4ed8\u91d1\u984d\u7684\u5176\u4ed6\u56e0\u7d20\">\u5f71\u97ff\u60a8\u652f\u4ed8\u91d1\u984d\u7684\u5176\u4ed6\u56e0\u7d20\uff1a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u798f\u5229\uff1a<\/strong>\u6bcf\u9805\u798f\u5229\u90fd\u6709\u898f\u5b9a\u7684\u8cbb\u7528\uff0c\u4f46\u6839\u64da\u798f\u5229\u7684\u4f7f\u7528\u65b9\u5f0f\uff0c\u8cbb\u7528\u5206\u6524\u6703\u6709\u6240\u4e0d\u540c\u3002\u8acb\u6ce8\u610f\u8af8\u5982\u300c\u8a3a\u6240\u5c31\u8a3a\u5171\u4ed8\u984d $20\u300d\u6216\u300c\u9060\u8ddd\u91ab\u7642\u5c31\u8a3a\u5171\u4ed8\u984d $10\u300d\u4e4b\u985e\u7684\u8868\u8ff0\u3002\u00a0<\/li>\n\n\n\n<li><strong>\u670d\u52d9\u985e\u578b\uff1a<\/strong>\u6bcf\u9805\u670d\u52d9\u90fd\u6709\u898f\u5b9a\u7684\u8cbb\u7528\uff0c\u4f46\u6839\u64da\u670d\u52d9\u7684\u63d0\u4f9b\u65b9\u5f0f\uff0c\u8cbb\u7528\u5206\u6524\u6703\u6709\u6240\u4e0d\u540c\u3002\u60a8\u53ef\u80fd\u9700\u8981\u8003\u616e\u6642\u9593\u56e0\u7d20\uff08\u4f8b\u5982\u5929\u6578\uff09\u3002\u8acb\u6ce8\u610f\u8af8\u5982\u300c\u7b2c 1 \u5929\u81f3\u7b2c 5 \u5929\u5171\u4ed8\u984d $250\uff0c\u7b2c 6 \u5929\u53ca\u4ee5\u5f8c $0\u300d\u4e4b\u985e\u7684\u8868\u8ff0\u3002<\/li>\n\n\n\n<li><strong>\u7db2\u7d61\u5167\uff1a<\/strong>\u60a8\u53ef\u4ee5\u524d\u5f80\u7db2\u7d61\u5167\u63d0\u4f9b\u8005\u6216\u6a5f\u69cb\u8655\u63a5\u53d7\u627f\u4fdd\u670d\u52d9\u3002<\/li>\n\n\n\n<li><strong>\u7db2\u7d61\u5916\uff1a<\/strong>\u5982\u679c\u60a8\u524d\u5f80\u4e0d\u5728\u60a8\u8a08\u5283\u7db2\u7d61\u5167\u7684\u63d0\u4f9b\u8005\u8655\u5c31\u8a3a\uff0c\u76f8\u95dc\u670d\u52d9\u53ef\u80fd\u4e0d\u5c6c\u65bc\u627f\u4fdd\u7bc4\u570d\u3002<\/li>\n\n\n\n<li><strong>\u670d\u52d9\u9ede (POS) \u8a08\u5283\uff1a<\/strong>\u5982\u679c\u60a8\u6709 POS \u8a08\u5283\uff0c\u60a8\u7684\u8a08\u5283\u5c07\u5141\u8a31\u60a8\u524d\u5f80\u7db2\u7d61\u5167\u6216\u7db2\u7d61\u5916\u63d0\u4f9b\u8005\u8655\u63a5\u53d7\u67d0\u4e9b\u627f\u4fdd\u670d\u52d9\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u8acb\u52d9\u5fc5\u4ed4\u7d30\u95b1\u8b80\u60a8\u8a08\u5283\u7684\u300c<strong><em>\u627f\u4fdd\u7bc4\u570d\u8aaa\u660e\u66f8<\/em><\/strong>\u300d\uff0c\u4ee5\u77ad\u89e3\u60a8\u7684\u5065\u5eb7\u8b77\u7406\u627f\u4fdd\u7bc4\u570d\u548c\u8cbb\u7528\u3002\u82e5\u60a8\u5c0d\u627f\u4fdd\u7bc4\u570d\u6709\u7591\u554f\uff0c\u8acb\u81f4\u96fb Elderplan\uff08\u9577\u8001\u8a08\u5283\uff09\u6703\u54e1\u670d\u52d9\u90e8\uff1a<a href=\"tel:+18003533765\">1-800-353-3765<\/a>\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>\u8ac7\u5230\u5065\u4fdd\u8a08\u5283\uff0c\u627f\u4fdd\u7684\u689d\u6b3e\u6709\u6642\u53ef\u80fd\u96e3\u4ee5\u7406\u89e3\u3002\u77ad\u89e3\u5176\u904b\u4f5c\u65b9\u5f0f\u5c0d\u65bc [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":0,"parent":0,"menu_order":7,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"class_list":["post-46231","page","type-page","status-publish","hentry"],"translation":{"provider":"WPGlobus","version":"3.0.2","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":"2026-05-06 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