{"id":3549,"date":"2016-04-19T09:50:34","date_gmt":"2016-04-19T17:50:34","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3549"},"modified":"2016-04-18T15:50:49","modified_gmt":"2016-04-18T23:50:49","slug":"healthins_after-retire","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/healthins_after-retire\/","title":{"rendered":"\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u5065\u5eb7\u4fdd\u967a\u201565\u6b73\u524d\u306865\u6b73\u5f8c"},"content":{"rendered":"

\u30a2\u30e1\u30ea\u30ab\u3067\u306f65\u6b73\u304b\u3089\u306fMedicare\u306b\u52a0\u5165\u3057\u3066\u5065\u5eb7\u4fdd\u967a\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u5f97\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u300165\u6b73\u4ee5\u524d\u306b\u9000\u8077\u3057\u305f\u3089\u3069\u3046\u3059\u308c\u3070\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u3042\u308b\u3044\u306f65\u6b73\u4ee5\u964d\u306b\u9000\u8077\u3057\u3066\u3082\u3001\u96c7\u7528\u4e3b\u304c\u9000\u8077\u8005\u4fdd\u967a\u306a\u3069\u3092\u63d0\u4f9b\u3057\u3066\u3044\u305f\u3089\u3001Medicare\u3068\u306e\u517c\u306d\u5408\u3044\u306f\u3069\u3046\u306a\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n

65\u6b73\u524d\u306b\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u5834\u5408<\/h2>\n

Medicare\u304c\u4f7f\u3048\u308b\u3088\u3046\u306b\u306a\u308b\u306e\u306f65\u6b73\u304b\u3089\u3067\u3059\u3002Medicare\u306b\u52a0\u5165\u3067\u304d\u308b65\u6b73\u4ee5\u524d\u306b\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u5834\u5408\u306f\u3001Medicare\u304c\u4f7f\u3048\u308b\u3088\u3046\u306b\u306a\u308b\u307e\u3067\u306e\u9593\u3001\u96c7\u7528\u4e3b\u304c\u9000\u8077\u5f8c\u306e\u5143\u96c7\u7528\u8005\u306b\u63d0\u4f9b\u3059\u308b\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\uff08Retiree Health Insurance\uff09\u306b\u52a0\u5165\u3059\u308b\u304b\u3001\u3042\u308b\u3044\u306f\u500b\u4eba\u3067\u5065\u5eb7\u4fdd\u967a\u306b\u52a0\u5165\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u304c\u3042\u308b\u5834\u5408<\/h3>\n

\u96c7\u7528\u4e3b\u304c\u9000\u8077\u5f8c\u3082\u7d99\u7d9a\u3057\u3066\u5065\u5eb7\u4fdd\u967a\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u5834\u5408\u306b\u306f\u3001\u305d\u306e\u4fdd\u967a\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u306e\u5185\u5bb9\u306f\u30b3\u30b9\u30c8\u3068\u6bd4\u8f03\u3057\u3066\u5229\u7528\u3092\u6c7a\u3081\u308b\u3079\u304d\u3067\u3059\u3002\u3082\u3057\u3082\u3001\u5916\u90e8\u306e\u4fdd\u967a\u306e\u307b\u3046\u304c\u5185\u5bb9\u7684\u30fb\u30b3\u30b9\u30c8\u7684\u306b\u30d9\u30bf\u30fc\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u5916\u90e8\u306e\u4fdd\u967a\u3092\u4f7f\u3046\u3053\u3068\u3082\u3082\u3061\u308d\u3093\u7406\u306b\u304b\u306a\u3044\u307e\u3059\u3002\u5dde\u306e\u63d0\u4f9b\u3059\u308bHealth Insurance Marketplace\u7d4c\u7531\u3067\u306e\u5065\u5eb7\u4fdd\u967a\u3092\u5229\u7528\u3059\u308c\u3070\u3001\u5bb6\u65cf\u69cb\u6210\u3068\u4e16\u5e2f\u53ce\u5165\u306b\u3088\u3063\u3066\u306f\u52a9\u6210\u91d1\u304c\u5f97\u3089\u308c\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u52a9\u6210\u91d1\u306f\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u306b\u306f\u9069\u7528\u3055\u308c\u307e\u305b\u3093\u3002\u9000\u8077\u8005\u5411\u3051\u4fdd\u967a\u3092\u9078\u3076\u304b\u3001\u5916\u90e8\u306e\u4fdd\u967a\u3092\u9078\u3076\u304b\u3001\u3069\u3061\u3089\u304c\u3088\u3044\u304b\u306f\u5185\u5bb9\u3068\u52a9\u6210\u91d1\u306e\u3042\u308b\u306a\u3057\u3001\u7dcf\u5408\u7684\u306a\u30b3\u30b9\u30c8\u3092\u3088\u304f\u541f\u5473\u306e\u3046\u3048\u6c7a\u5b9a\u3059\u308b\u3079\u304d\u3067\u3059\u3002<\/p>\n

\u306a\u304a\u3001\u5e74\u306e\u9014\u4e2d\u3067\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u304b\u3089Marketplace\u7d4c\u7531\u306e\u5065\u5eb7\u4fdd\u967a\u306b\u4e57\u308a\u63db\u3048\u308b\u3053\u3068\u306f\u57fa\u672c\u7684\u306b\u3067\u304d\u307e\u305b\u3093\u3002\u4e57\u308a\u63db\u3048\u306f\u6b21\u306e\u30aa\u30fc\u30d7\u30f3\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u307e\u3067\u5f85\u3064\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u304c\u306a\u3044\u5834\u5408<\/h3>\n

\u4ee5\u524d\u306f\u30b7\u30cb\u30a2\u306b\u306a\u3063\u3066\u304b\u3089\u306e\u5065\u5eb7\u4fdd\u967a\u306e\u52a0\u5165\u306f\u3001\u5065\u5eb7\u72b6\u614b\u306b\u3088\u3063\u3066\u306f\u56f0\u96e3\u306a\u5834\u5408\u3082\u3042\u308a\u3001\u30b3\u30b9\u30c8\u7684\u306b\u3082\u96e3\u3057\u3044\u3053\u3068\u3082\u3042\u308a\u307e\u3057\u305f\u304c\u3001\u30aa\u30d0\u30de\u30b1\u30a2\u306e\u5c0e\u5165\u3067\u3069\u3093\u306a\u4eba\u3067\u3082\u5065\u5eb7\u4fdd\u967a\u306b\u52a0\u5165\u3067\u304d\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u304c\u306a\u3044\u5834\u5408\u306f\u3001\u5dde\u306e\u63d0\u4f9b\u3059\u308bHealth Insurance Marketplace\u7d4c\u7531\u3067\u5065\u5eb7\u4fdd\u967a\u306b\u5165\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u9000\u8077\u306b\u3088\u308a\u3001\u305d\u308c\u307e\u3067\u52a0\u5165\u3057\u3066\u3044\u305f\u96c7\u7528\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u3092\u5931\u3063\u305f\u5834\u5408\u306f\u3001Special Enrollment Period\u304c\u9069\u7528\u3055\u308c\u3001\u6b21\u306eOpen Enrollment\u307e\u3067\u5f85\u305f\u306a\u304f\u3068\u3082\u3001Marketplace\u3067\u306e\u5065\u5eb7\u4fdd\u967a\u306e\u52a0\u5165\u304c\u53ef\u80fd\u3067\u3059\u3002\u5bb6\u65cf\u69cb\u6210\u3068\u4e16\u5e2f\u53ce\u5165\u306b\u3088\u3063\u3066\u306f\u52a9\u6210\u91d1\u304c\u5f97\u3089\u308c\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n

65\u6b73\u306b\u306a\u3063\u3066\u304b\u3089\u9000\u8077\u3057\u305f\u5834\u5408<\/h2>\n

 <\/p>\n

Original Medicare<\/h3>\n

65\u6b73\u306b\u306a\u308b\u3068\u81ea\u52d5\u7684\u306bMedicare\u52a0\u5165\u8cc7\u683c\u304c\u751f\u307e\u308c\u307e\u3059\u3002Medicare Plan A\u3068Plan B\u3092\u5408\u308f\u305b\u3066Original Medicare\u3068\u547c\u3073\u307e\u3059\u3002Plan A\u306f\u3001\u75c5\u9662\u3084\u770b\u8b77\u65bd\u8a2d\u306a\u3069\u3078\u306e\u5165\u9662\u3001\u30db\u30b9\u30d4\u30b9\u3084\u5728\u5b85\u30b1\u30a2\u306a\u3069\u3092\u30ab\u30d0\u30fc\u3057\u307e\u3059\u300210\u5e74\u4ee5\u4e0a\u50cd\u3044\u3066\u3044\u308c\u3070\u3001\u305d\u306e\u9593\u5fc5\u8981\u306a\u4fdd\u967a\u6599\u306f\u3059\u3067\u306b\u7d0d\u3081\u3066\u3044\u307e\u3059\u306e\u3067\u3001Medicare\u53d7\u7d66\u7533\u8acb\u6642\u4ee5\u964d\u306ePart A\u306e\u53d7\u7d66\u306f\u5b9f\u8cea\u4e0a\u7121\u6599\u3067\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u53d7\u7d66\u306b\u3064\u3044\u3066\u306f\u4e00\u90e8\u306e\u5834\u5408\u3092\u9664\u304d\u3001\u7533\u8acb\u304c\u5fc5\u8981\u3067\u3059\u3002\u7121\u6599\u3067Part A\u3092\u5f97\u308b\u8cc7\u683c\u304c\u306a\u304f\u3066\u3082\u3001\u4e00\u5b9a\u306e\u57fa\u6e96\uff0865\u6b73\u4ee5\u4e0a\u3001Part B\u306b\u52a0\u5165\u3057\u3066\u304a\u308a\u3001\u5e02\u6c11\u304b\u3001\u7d99\u7d9a\u7684\u306b5\u5e74\u4ee5\u4e0a\u6ede\u5728\u306e\u30b0\u30ea\u30fc\u30f3\u30ab\u30fc\u30c9\u4fdd\u6301\u8005\u3000etc.\uff09\u3092\u6e80\u305f\u3057\u3066\u3044\u308c\u3070\u3001\u6700\u9ad8\u3067$411(2016)\u306e\u6708\u984d\u4fdd\u967a\u6599\u3092\u652f\u6255\u3046\u3053\u3068\u3067\u52a0\u5165\u53ef\u80fd\u3067\u3059\u3002<\/p>\n

Plan B\u306f\u3001\u75be\u75c5\u4e88\u9632\u306e\u8cbb\u7528\u3001\u8a3a\u65ad\u306e\u8cbb\u7528\u3001\u691c\u67fb\u8cbb\u7528\u3001\u6cbb\u7642\u8cbb\u3001\u624b\u8853\u4ee3\u306a\u3069\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u8cbb\u7528\u306e\u3046\u3061Part A\u3067\u30ab\u30d0\u30fc\u3057\u306a\u3044\u8cbb\u7528\u306e\u5927\u90e8\u5206\u3092\u30ab\u30d0\u30fc\u3057\u307e\u3059\u3002\u6708\u3005\u306e\u4fdd\u967a\u6599\u306f$121.80\uff082016\uff09\u3067\uff08\u305f\u3060\u3057\u3001\u9ad8\u53ce\u5165\u8005\u306f\u53ce\u5165\u306b\u3057\u305f\u304c\u3063\u3066\u4fdd\u967a\u6599\u304c\u9ad8\u304f\u306a\u308b)\u3001\u53d7\u7d66\u306b\u3042\u305f\u3063\u3066\u306f\u3001\u4e00\u90e8\u306e\u5834\u5408\u3092\u9664\u3044\u3066\u7533\u8acb\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

Original Medicare\u306f\u3042\u308b\u610f\u5473\u3001\u5065\u5eb7\u4fdd\u967a\u306e\u57fa\u672c\u90e8\u5206\u3067\u3059\u304c\u3001\u4e00\u65b9\u3067\u3053\u308c\u3060\u3051\u3067\u306f\u5341\u5206\u306a\u533b\u7642\u8cbb\u306e\u30ab\u30d0\u30fc\u304c\u78ba\u4fdd\u3055\u308c\u3066\u3044\u308b\u3068\u306f\u3044\u3044\u304c\u305f\u3044\u3068\u3053\u308d\u3067\u3082\u3042\u308a\u307e\u3059\u3002\u591a\u304f\u306e\u5834\u5408\u3001\u3053\u306eOriginal Medicare\u3068\u305d\u306e\u4ed6\u306e\u30d7\u30e9\u30f3\u3092\u7d44\u307f\u5408\u308f\u305b\u3066\u30ab\u30d0\u30fc\u306e\u7bc4\u56f2\u3092\u5e83\u3052\u3066\u3044\u304d\u3001\u5fc5\u8981\u306a\u88dc\u511f\u3092\u78ba\u4fdd\u3059\u308b\u3068\u3044\u3046\u4f5c\u696d\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

Original Medicare\u3092\u88dc\u8db3\u3059\u308b\u306e\u306f\u3001Medigap\u30d7\u30e9\u30f3\u3084Medicare Advantage\u30d7\u30e9\u30f3\u3067\u3059\u304c\u3001\u3053\u308c\u3089\u306b\u3064\u3044\u3066\u306f\u6b21\u56de\u4ee5\u964d\u8a73\u3057\u304f\u898b\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u304c\u3042\u308b\u5834\u5408<\/h3>\n

\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u305d\u306e\u4fdd\u967a\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u306e\u5185\u5bb9\u306f\u30b3\u30b9\u30c8\u3068\u6bd4\u8f03\u3057\u3066\u5229\u7528\u3092\u6c7a\u3081\u308b\u3079\u304d\u3067\u3059\u300265\u6b73\u4ee5\u964d\u306f\u3001\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u3092\u5229\u7528\u3059\u308b\u5834\u5408\u3067\u3082\u3001\u307b\u3068\u3093\u3069\u306e\u5834\u5408\uff08\u4e00\u90e8\u306eFederal Employee\u306a\u3069\u3092\u9664\u3044\u3066\uff09Original Medicare\u3078\u306e\u52a0\u5165\u304c\u5fc5\u8981\u3067\u3059\u3002Medicare\u52a0\u5165\u306e\u3046\u3048\u3067\u3001\u9000\u8077\u8005\u4fdd\u967a\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u5834\u5408\u3001\u30d7\u30e9\u30a4\u30de\u30ea\u30fc\u4fdd\u967a\u306fMedicare\u3067\u3042\u308a\u3001\u9000\u8077\u8005\u4fdd\u967a\u306f\u30bb\u30ab\u30f3\u30c0\u30ea\u30fc\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u305f\u3068\u3048\u5728\u8077\u4e2d\u3068\u540c\u3058\u3088\u3046\u306a\u5065\u5eb7\u4fdd\u967a\u306e\u5185\u5bb9\u3067\u30ab\u30d0\u30fc\u3055\u308c\u3066\u3044\u308b\u3068\u3057\u3066\u3082\u300165\u6b73\u4ee5\u964d\u306eMedicare\u52a0\u5165\u5f8c\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306b\u304a\u3044\u3066\u306f\u3001Medicare\u306ePlan A\u3068Plan B\u304c\u304c\u30ab\u30d0\u30fc\u3059\u308b\u7bc4\u56f2\u306b\u304a\u3044\u3066\u306f\u307e\u305aMedicare\u304c\u652f\u6255\u3044\u3092\u3057\u3001\u305d\u306e\u5f8c\u3001\u9000\u8077\u8005\u4fdd\u967a\u304c\u305d\u306e\u30ab\u30d0\u30fc\u5185\u5bb9\u306b\u5fdc\u3058\u3066\u6b8b\u3063\u305f\u90e8\u5206\u306e\u652f\u6255\u3044\u3092\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002Medicare\u3068\u9000\u8077\u8005\u4fdd\u967a\u304c\u30b3\u30fc\u30c7\u30a3\u30cd\u30fc\u30c8\u3055\u308c\u3066\u3072\u3064\u306e\u30ab\u30d0\u30fc\u3092\u751f\u307f\u51fa\u3059\u3068\u3044\u3046\u30a4\u30e1\u30fc\u30b8\u3067\u3059\u3002<\/p>\n

\u9000\u8077\u8005\u4fdd\u967a\u3060\u3051\u306b\u52a0\u5165\u3057\u3001Medicare\u52a0\u5165\u306e\u624b\u7d9a\u304d\u3092\u3057\u3066\u3044\u306a\u3044\u3068\u3001Late enrollment\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u767a\u751f\u3059\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u96c7\u7528\u4e3b\u306b\u3088\u3063\u3066\u306f\u3001\u9000\u8077\u8005\u4fdd\u967a\u306e\u7279\u5b9a\u306e\u30d7\u30e9\u30f3\u306b\u52a0\u5165\u3059\u308c\u3070\u3001\u500b\u4eba\u304c\u6255\u3063\u3066\u3044\u308bPlan B\u306e\u4fdd\u967a\u6599\u3092\u8fd4\u91d1\uff08Reimburse\uff09\u3057\u3066\u304f\u308c\u308b\u3088\u3046\u306a\u30a2\u30ec\u30f3\u30b8\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u4e00\u65b9\u3067Plan B\u52a0\u5165\u3092\u6b63\u3057\u3044\u6642\u671f\u306b\u3057\u3066\u304a\u304b\u306a\u3044\u3068\u3001\u6c17\u3065\u3044\u3066\u304b\u3089\u3059\u3050\u306b\u52a0\u5165\u624b\u7d9a\u304d\u304c\u3067\u304d\u306a\u3044\uff08General enrollment period\u307e\u3067\u5f85\u3064\u5fc5\u8981\u304c\u3042\u308b\uff09\u306a\u3069\u3068\u3044\u3046\u3053\u3068\u306b\u3082\u306a\u308a\u307e\u3059\u3002\u3068\u306b\u3082\u304b\u304f\u306b\u3082\u9000\u8077\u8005\u4fdd\u967a\u3092\u5229\u7528\u3059\u308b\u5834\u5408\u306b\u306f\u3001\u305d\u308c\u304cMedicare\u3068\u30ab\u30d0\u30ec\u30c3\u30b8\u3068\u30b3\u30b9\u30c8\u306e\u4e0a\u3067\u3069\u306e\u3088\u3046\u306b\u9023\u643a\u3057\u3066\u3044\u308b\u306e\u304b\u3001Medicare\u52a0\u5165\u624b\u7d9a\u304d\u306f\u3044\u3064\u3069\u3046\u3059\u3059\u3081\u308b\u3079\u304d\u304b\u306a\u3069\u4e8b\u524d\u306b\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

\u96c7\u7528\u4e3b\u306e\u5065\u5eb7\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u65b9\u306a\u3089\u3054\u5b58\u3058\u306e\u3088\u3046\u306b\u3001\u96c7\u7528\u8005\u63d0\u4f9b\u306e\u5065\u5eb7\u4fdd\u967a\u306f\u6bce\u5e74\u5185\u5bb9\u304c\u5909\u66f4\u306b\u306a\u3063\u305f\u308a\u4fdd\u967a\u6599\u304c\u4e0a\u304c\u3063\u305f\u308a\u3068\u5909\u5316\u304c\u6fc0\u3057\u3044\u3082\u306e\u3067\u3059\u3002\u9000\u8077\u8005\u4fdd\u967a\u3082\u3053\u306e\u70b9\u306b\u304a\u3044\u3066\u306f\u540c\u69d8\u3067\u3001\u5185\u5bb9\u3084\u4fdd\u967a\u6599\u306f\u96c7\u7528\u4e3b\u304c\u72ec\u81ea\u306b\u6c7a\u3081\u3066\u3044\u307e\u3059\u3002\u3088\u3063\u3066\u3001\u5e74\u3054\u3068\u306b\u4fdd\u967a\u81ea\u4f53\u304c\u306a\u304f\u306a\u3063\u305f\u308a\u3001\u4fdd\u967a\u6599\u304c\u3042\u304c\u3063\u305f\u308a\u3001\u30ab\u30d0\u30ec\u30c3\u30b8\u304c\u524a\u3089\u308c\u305f\u308a\u3068\u3044\u3046\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u3044\u3063\u305f\u3093\u52a0\u5165\u3057\u3066\u3044\u305f\u9000\u8077\u8005\u5065\u5eb7\u4fdd\u967a\u304c\u30cb\u30fc\u30ba\u306b\u5408\u308f\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u3001\u3059\u3050\u306bMedigap\u3084Medicare Advantage\u306b\u4e57\u308a\u63db\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u308c\u3070\u554f\u984c\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305f\u3060\u3001Medigap\u306b\u95a2\u3057\u3066\u306f\u7279\u5b9a\u306e\u671f\u9593\u3092\u9003\u3059\u3068\u52a0\u5165\u304c\u96e3\u3057\u3044\u3053\u3068\u3082\u5927\u3044\u306b\u3042\u308a\u5f97\u307e\u3059\u3002\u9000\u8077\u8005\u4fdd\u967a\u304c\u5207\u308c\u305f\u3089\u3001\u672c\u5f53\u306bMedigap\u306b\u4e57\u308a\u63db\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u304b\u3001\u8cfc\u5165\u3067\u304d\u308b\u306e\u306a\u3089\u5065\u5eb7\u72b6\u614b\u306b\u3088\u3089\u305a\u7121\u6761\u4ef6\u3067\u52a0\u5165\u3067\u304d\u308b\u306e\u304b\u3001\u5065\u5eb7\u72b6\u614b\u304c\u4fdd\u967a\u6599\u306b\u53cd\u6620\u3055\u308c\u306a\u3044\u3067\u8cfc\u5165\u3067\u304d\u308b\u306e\u304b\u306a\u3069\u306b\u3064\u3044\u3066\u306f\u3001\u5fae\u5999\u306a\u90e8\u5206\u304c\u3042\u308a\u3001\u5b89\u5b9a\u7684\u306b\u5065\u5eb7\u4fdd\u967a\u88dc\u511f\u3092\u53d7\u3051\u308b\u3068\u3044\u3046\u610f\u5473\u3067\u306f\u30ea\u30b9\u30af\u304c\u6b8b\u308b\u3068\u3044\u3048\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u610f\u5473\u3067\u3001\u5b89\u5b9a\u6027\u3092\u91cd\u8996\u3059\u308b\u4eba\u306f\u3001\u3044\u3063\u305f\u3093\u52a0\u5165\u3057\u305f\u3089\u5b89\u5b9a\u3057\u305f\u88dc\u511f\u5185\u5bb9\u3092\u9577\u671f\u306b\u308f\u305f\u3063\u3066\u671f\u5f85\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308bMedigap\u30d7\u30e9\u30f3\u3092\u597d\u3080\u65b9\u3082\u3044\u307e\u3059\u3002<\/p>\n

\u96c7\u7528\u4e3b\u306f\u9000\u8077\u8005\u5411\u3051\u5065\u5eb7\u4fdd\u967a\u3092\u63d0\u4f9b\u3059\u308b\u7fa9\u52d9\u306f\u306a\u3044\u3046\u3048\u3001\u73fe\u5728\u63d0\u4f9b\u3057\u3066\u3044\u308b\u4fdd\u967a\u306b\u3064\u3044\u3066\u3082\u3044\u3064\u306a\u3093\u3069\u304d\u505c\u6b62\u3057\u305f\u308a\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u5185\u5bb9\u3092\u30ab\u30c3\u30c8\u3057\u3066\u3082\u9055\u6cd5\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u9000\u8077\u5f8c\u306f\u305f\u3060\u3067\u3055\u3048\u5e74\u9f62\u304c\u4e0a\u304c\u308b\u306e\u3067\u4fdd\u967a\u4f1a\u793e\u306b\u3068\u3063\u3066\u306f\u30ea\u30b9\u30af\u304c\u3042\u308b\u3046\u3048\u3001\u305d\u308c\u307e\u3067\u5065\u5eb7\u4e0a\u306e\u554f\u984c\u304c\u306a\u304b\u3063\u305f\u4eba\u3067\u3082\u306a\u3093\u3089\u304b\u306e\u554f\u984c\u304c\u6d6e\u4e0a\u3059\u308b\u78ba\u7387\u3082\u9ad8\u304f\u306a\u308a\u307e\u3059\u3002\u6700\u521d\u306f\u3088\u304b\u3063\u305f\u3053\u9000\u8077\u8005\u5411\u304d\u5065\u5eb7\u4fdd\u967a\u304c\u3001\u6025\u306b\u30ab\u30c3\u30c8\u3055\u308c\u3001\u4ee3\u66ffMedigap\u30d7\u30e9\u30f3\u3092\u63a2\u3059\u3082\u3001\u30e1\u30c7\u30a3\u30ab\u30eb\u30b9\u30af\u30ea\u30fc\u30cb\u30f3\u30b0\u306e\u7d50\u679c\u306a\u304b\u306a\u304b\u52a0\u5165\u3067\u304d\u306a\u3044\u3068\u3044\u3046\u3088\u3046\u306a\u3053\u3068\u306b\u306a\u3089\u306a\u3044\u3088\u3046\u306b\u3001\u81ea\u5206\u306e\u96c7\u7528\u4e3b\u63d0\u4f9b\u306e\u5065\u5eb7\u4fdd\u967a\u306b\u3064\u3044\u3066\u306f\u3001\u9078\u629e\u524d\u306b\u304d\u3061\u3093\u3068\u30c1\u30a7\u30c3\u30af\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u5177\u4f53\u7684\u306b\u306fSummary Plan Description(SPD)\u3068\u547c\u3070\u308c\u308b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306b\u3064\u3044\u3066\u8aac\u660e\u3057\u305f\u518a\u5b50\u3084\u3001\u305d\u306e\u4ed6\u306e\u95a2\u9023\u60c5\u5831\u3092\u5165\u624b\u3057\u3001\u3088\u304f\u8aad\u3080\u3053\u3068\u3067\u3059\u3002\u9000\u8077\u5f8c\u306e\u5065\u5eb7\u4fdd\u967a\u306b\u3064\u3044\u3066\u3001\u4e00\u5b9a\u671f\u9593\u3042\u308b\u3044\u306f\u751f\u6daf\u306b\u308f\u305f\u3063\u3066\u63d0\u4f9b\u304c\u4fdd\u8a3c\u3055\u308c\u3066\u3044\u308b\u306e\u304b\u3001\u305d\u308c\u3068\u3082\u305d\u306e\u3088\u3046\u306a\u4fdd\u8a3c\u306f\u306a\u3044\u306e\u304b\u3001\u30d7\u30e9\u30f3\u5185\u5bb9\u306b\u5909\u66f4\u3092\u52a0\u3048\u308b\u6a29\u5229\u3092\u96c7\u7528\u4e3b\u304c\u4fdd\u6301\u3057\u3066\u3044\u308b\u304b\u5426\u304b\u304c\u30dd\u30a4\u30f3\u30c8\u306b\u306a\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001”<\/p>\n

“The company reserves the right to modify, revoke, suspend, terminate, or change the program, in whole or in part, at any time.”<\/p>\n

\u306e\u3088\u3046\u306a\u4e00\u6587\u304c\u3042\u308b\u5834\u5408\u3001\u5065\u5eb7\u4fdd\u967a\u306e\u5b89\u5b9a\u6027\u306f\u4f4e\u3044\u3068\u3044\u3048\u308b\u306e\u3067\u8981\u6ce8\u610f\u3067\u3059\u3002
\n\u6b21\u56de\u4ee5\u964d\u3067\u3001\u9000\u8077\u8005\u4fdd\u967a\u304c\u671f\u5f85\u3067\u304d\u306a\u3044\u5834\u5408\u3001\u3042\u308b\u3044\u306f\u9000\u8077\u8005\u4fdd\u967a\u306f\u5229\u7528\u3067\u304d\u308b\u3082\u306e\u306e\u3001\u4e0a\u8ff0\u306e\u3088\u3046\u306a\u7406\u7531\u304b\u3089\u6562\u3048\u3066\u5229\u7528\u3057\u306a\u3044\u5834\u5408\u306e\u3001Original Medicare\u306b\u88dc\u8db3\u3057\u3066\u3069\u306e\u3088\u3046\u306b\u533b\u7642\u30ab\u30d0\u30fc\u30ec\u30c3\u30b8\u3092\u78ba\u4fdd\u3057\u3066\u3044\u3051\u3070\u3088\u3044\u304b\u3092\u898b\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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