{"id":3552,"date":"2016-04-26T09:51:03","date_gmt":"2016-04-26T17:51:03","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3552"},"modified":"2016-04-18T15:51:19","modified_gmt":"2016-04-18T23:51:19","slug":"medigap_1","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/medigap_1\/","title":{"rendered":"Medigap\uff1aOriginal Medicare\u306e\u30ab\u30d0\u30fc\u3092\u88dc\u8db3\u3059\u308b"},"content":{"rendered":"<p>Medigap\u306f\u3001Medical Supplement Insurance\u3068\u3082\u547c\u3070\u308c\u3001\u7b2c\u4e09\u8005\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u63d0\u4f9b\u3055\u308c\u3001Original Medicare\u3067\u30ab\u30d0\u30fc\u3055\u308c\u306a\u3044Deductible\u3001Copayments\u3001Coinsurance\u306a\u3069\u306e\u201c\u30ae\u30e3\u30c3\u30d7\u201d\u3092\u88dc\u8db3\u30ab\u30d0\u30fc\u3059\u308b\u305f\u3081\u306b\u7528\u3044\u3089\u308c\u307e\u3059\u3002\u30d7\u30e9\u30f3\u306b\u3088\u3063\u3066\u306f\u3001\u7c73\u56fd\u5916\u306e\u6ede\u5728\u4e2d\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u30ab\u30d0\u30fc\u3059\u308b\u3088\u3046\u306a\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002Medigap\u306e\u52a0\u5165\u306b\u3042\u305f\u3063\u3066\u306f\u3001Original Medicare \u3067\u3042\u308bPart A\u3068Part B\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u6761\u4ef6\u3068\u306a\u308a\u3001\u307e\u305f\u3001Medigap\u306f\u5f8c\u8ff0\u306eMedical Advantage\u3068\u306f\u4e00\u7dd2\u306b\u4f7f\u3046\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002Medigap\u306f\u3001\u51e6\u65b9\u7b8b\u306f\u30ab\u30d0\u30fc\u3057\u3066\u3044\u306a\u3044\u306e\u3067\u3001Medicare Plan D\u3092\u5225\u306b\u8cfc\u5165\u3057\u3066\u51e6\u65b9\u7b8b\u30ab\u30d0\u30fc\u3092\u8ffd\u52a0\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>Medigap\u306fMedicare\u3092\u30a2\u30af\u30bb\u30d7\u30c8\u3059\u308b\u533b\u5e2b\u3084\u533b\u7642\u6a5f\u95a2\u3067\u306e\u30b5\u30fc\u30d3\u30b9\u3092\u30ab\u30d0\u30fc\u3057\u3001\u5f8c\u8ff0\u306eMedicare SELECT\u3067\u306a\u3044\u9650\u308a\u3001\u7c73\u56fd\u5168\u571f\u304c\u5bfe\u8c61\u306b\u306a\u308a\u307e\u3059\u3002\u53cd\u5bfe\u306b\u3001\u533b\u5e2b\u3084\u533b\u7642\u6a5f\u95a2\u304cMedicare\u3092\u30a2\u30af\u30bb\u30d7\u30c8\u3057\u3066\u3044\u306a\u3051\u308c\u3070\u3001\u305d\u3053\u3067\u306e\u30b5\u30fc\u30d3\u30b9\u306fMedigap\u3067\u306f\u30ab\u30d0\u30fc\u3055\u308c\u307e\u305b\u3093\u3002Medicare\u3092\u30a2\u30af\u30bb\u30d7\u30c8\u3059\u308b\u533b\u5e2b\u306f\u5168\u4f53\u306e7\u5272\u7a0b\u5ea6\u3068\u898b\u7a4d\u3082\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u6a19\u6e96\u5316\u3068\u5dde\u306e\u72ec\u81ea\u6027<\/h2>\n<p>Medigap\u306f\u3001\u82f1\u6587\u5b57A\u304b\u3089N\u3067\u8868\u308f\u3055\u308c\u308b\u30d7\u30e9\u30f3\u306e\u7a2e\u985e\u304c\u3042\u308a\u3001\u305d\u308c\u305e\u308c\u306e\u30d7\u30e9\u30f3\u3067\u306f\u5185\u5bb9\u304c\u6a19\u6e96\u5316\u3055\u308c\u3066\u3044\u307e\u3059\u3002Medigap\u30d7\u30e9\u30f3\u3092\u6bd4\u8f03\u3059\u308b\u3068\u304d\u306f\u3001\u540c\u3058\u82f1\u6587\u5b57\u306e\u30d7\u30e9\u30f3\u3067\u3042\u308c\u3070\u3001\u30d7\u30e9\u30f3\u5185\u5bb9\u306b\u306f\u5dee\u304c\u3042\u308a\u307e\u305b\u3093\u304b\u3089\u3001\u306a\u308b\u3079\u304f\u5b89\u3044\u4fdd\u967a\u6599\u306e\u30d7\u30e9\u30f3\u304c\u597d\u307e\u3057\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u305f\u3060\u30ab\u30b9\u30bf\u30de\u30fc\u30b5\u30fc\u30d3\u30b9\u3084\u4f7f\u3044\u52dd\u624b\u3067\u306f\u5dee\u304c\u3042\u308b\u3053\u3068\u304c\u591a\u304f\u3001\u30ec\u30d3\u30e5\u30fc\u3084\u30ec\u30a4\u30c6\u30a3\u30f3\u30b0\u306a\u3069\u3092\u8abf\u3079\u3066\u9078\u3076\u3053\u3068\u304c\u8ce2\u660e\u3067\u3059\u3002Medigap\u306f\u500b\u4eba\u3054\u3068\u306e\u5951\u7d04\u306b\u306a\u308a\u3001\u592b\u5a66\u3067\u52a0\u5165\u3059\u308b\u5834\u5408\u306f\u3001\u592b\u3068\u59bb\u3068\u3067\u5225\u500b\u306eMedigap\u30d7\u30e9\u30f3\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u306a\u304a\u3001\u30de\u30b5\u30c3\u30c1\u30e5\u30fc\u30bb\u30c3\u30c4\u3001\u30df\u30cd\u30bd\u30bf\u3001\u30a6\u30a4\u30b9\u30b3\u30f3\u30b7\u30f3\u3067\u306f\u3001\u30d7\u30e9\u30f3\u306e\u63d0\u4f9b\u304c\u3053\u308c\u3068\u306f\u7570\u306a\u308a\u5dde\u72ec\u81ea\u306e\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u5dde\u306b\u3088\u3063\u3066\u306fMedicare SELECT\u3068\u547c\u3070\u308c\u308bMedigap\u30dd\u30ea\u30b7\u30fc\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u306a\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002Medicare SELECT\u306f\u30d5\u30eb\u306b\u7279\u5178\u3092\u53d7\u3051\u308b\u305f\u3081\u306b\u306f\u3001\u7279\u5b9a\u306e\u533b\u5e2b\u3001\u75c5\u9662\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u6307\u5b9a\u3055\u308c\u3066\u3044\u308b\u30d7\u30e9\u30f3\u3067\u3059\u3002Medicare\u306fMedicare\u3092\u30a2\u30af\u30bb\u30d7\u30c8\u3057\u3066\u3044\u308b\u533b\u7642\u6a5f\u95a2\u3067\u3042\u308c\u3070\u3069\u3053\u3067\u3082\u30ab\u30d0\u30fc\u3057\u307e\u3059\u304c\u3001Medicare SELECT\u306b\u95a2\u3057\u3066\u306f\u3001in-network\u3068\u3044\u3046\u6982\u5ff5\u304c\u3042\u308a\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u533b\u7642\u6a5f\u95a2\u306e\u307f\u3092\u30ab\u30d0\u30fc\uff08\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u306f\u4f8b\u5916\uff09\u3059\u308b\u306e\u3067\u3001\u52a0\u5165\u3059\u308b\u969b\u306b\u306f\u305d\u306e\u65e8\u899a\u609f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u52a0\u5165\u4fdd\u8a3c\u3068\u4fdd\u967a\u6599<\/h2>\n<p>Medigap\u306f\u3001Medicare Part B\u306b\u30a8\u30f3\u30ed\u30fc\u30eb\u3057\u305f\u6642\u70b9\u304b\u30896\u304b\u6708\u4ee5\u5185\u306e\u30aa\u30fc\u30d7\u30f3\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u671f\u9593\u306b\u30b5\u30a4\u30f3\u30a2\u30c3\u30d7\u3059\u308b\u306e\u304c\u30d9\u30b9\u30c8\u3067\u3059\u3002\u30aa\u30fc\u30d7\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u671f\u9593\u3067\u3042\u308c\u3070\u3001\u305f\u3068\u3048\u3069\u3093\u306a\u5065\u5eb7\u4e0a\u306e\u554f\u984c\u304c\u3042\u3063\u3066\u3082\u3001\u307e\u305f\u3069\u306eMedigap\u30d7\u30e9\u30f3\u3092\u9078\u307c\u3046\u3068\u3082\u3001\u306a\u3093\u306e\u5065\u5eb7\u4e0a\u306e\u554f\u984c\u306e\u306a\u3044\u3072\u3068\u3068\u540c\u3058\u4fdd\u967a\u6599\u3067\u30b5\u30a4\u30f3\u30a2\u30c3\u30d7\u3067\u304d\u308b\u3053\u3068\u304c\u4fdd\u8a3c\uff08Guaranteed Issuance\uff09\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3044\u3063\u305f\u3093\u30aa\u30fc\u30d7\u30f3\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u671f\u9593\u3092\u9003\u3059\u3068\u3001\u305d\u306e\u5f8c\u7d30\u304b\u304f\u6307\u5b9a\u3055\u308c\u305f\u6761\u4ef6\u3092\u6e80\u305f\u3055\u306a\u3044\u9650\u308a\u3001\u30e1\u30c7\u30a3\u30ab\u30eb\u30b9\u30af\u30ea\u30fc\u30cb\u30f3\u30b0\u3092\u53d7\u3051\u305f\u308a\u3001\u305d\u306e\u7d50\u679c\u52a0\u5165\u3092\u62d2\u5426\u3055\u308c\u305f\u308a\u3001\u307e\u305f\u5065\u5eb7\u4e0a\u306e\u554f\u984c\u3092\u7406\u7531\u306b\u4fdd\u967a\u6599\u304c\u4e0a\u304c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>Medigap\u30dd\u30ea\u30b7\u30fc\u306e\u4fdd\u967a\u6599\u306e\u8a2d\u5b9a\u306f3\u7a2e\u985e\u3042\u308a\u307e\u3059\u3002\u3072\u3068\u3064\u3081\u306fAttained-age\u30dd\u30ea\u30b7\u30fc\u3068\u547c\u3070\u308c\u3001\u5e74\u9f62\u304c\u4f4e\u3044\u3046\u3061\u306f\u4fdd\u967a\u6599\u304c\u4f4e\u304f\u5e74\u9f62\u304c\u4e0a\u304c\u308b\u306b\u3064\u308c\u3066\u4fdd\u967a\u6599\u304c\u3042\u304c\u308b\u3082\u306e\u3067\u3059\u3002\u3075\u305f\u3064\u3081\u306fIssue-age\u30dd\u30ea\u30b7\u30fc\u3068\u547c\u3070\u308c\u3001\u30b5\u30a4\u30f3\u30a2\u30c3\u30d7\u6642\u306e\u5e74\u9f62\u3067\u4fdd\u967a\u6599\u304c\u6c7a\u307e\u308a\u3001\u305d\u306e\u5f8c\u306f\u5e74\u9f62\u304c\u4e0a\u304c\u3063\u3066\u3082\u4fdd\u967a\u6599\u306f\u4e0a\u304c\u308a\u307e\u305b\u3093\u304c\u3001\u305f\u3060\u30a4\u30f3\u30d5\u30ec\u30fc\u30b7\u30e7\u30f3\u5897\u52a0\u5206\u3060\u3051\u306e\u5024\u4e0a\u3052\u304c\u3042\u308b\u3082\u306e\u3067\u3059\u3002\u3053\u306e\u30bf\u30a4\u30d7\u306f\u3001\u901a\u5e38Attained-age\u30dd\u30ea\u30b7\u30fc\u3088\u308a\u5f53\u521d\u306f\u4fdd\u967a\u6599\u304c\u9ad8\u3081\u3067\u3059\u304c\u3001\u305d\u306e\u5f8c\u306e\u5927\u304d\u306a\u5024\u4e0a\u304c\u308a\u3092\u898b\u308b\u3053\u3068\u306f\u5c11\u306a\u3044\u3082\u306e\u3067\u3059\u3002\u307f\u3063\u3064\u3081\u306fCommunity-rate\u30dd\u30ea\u30b7\u30fc\u3068\u547c\u3070\u308c\u3001\u7279\u5b9a\u306e\u30a8\u30ea\u30a2\u306b\u4f4f\u3080\u4eba\u306f\u5e74\u9f62\u306b\u3088\u3089\u305a\u3059\u3079\u3066\u540c\u3058\u4fdd\u967a\u6599\u3092\u652f\u6255\u3046\u3082\u306e\u3067\u3059\u3002\u9577\u671f\u7684\u306b\u898b\u308b\u3068\u3001Issue-age\u3068Community-rated\u30dd\u30ea\u30b7\u30fc\u306e\u307b\u3046\u304c\u7dcf\u5408\u7684\u306a\u4fdd\u967a\u6599\u304c\u4f4e\u304f\u3059\u3080\u50be\u5411\u304c\u9ad8\u3044\u3068\u3044\u308f\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Medigap\u3092\u9078\u3076\u969b\u306f\u3001\u82f1\u5b57\u306e\u3069\u306e\u30d7\u30e9\u30f3\u306b\u3059\u308b\u304b\u304c\u6c7a\u307e\u3063\u305f\u3089\u3001\u305d\u306e\u30d7\u30e9\u30f3\u306e\u7a2e\u985e\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u4fdd\u967a\u4f1a\u793e\u304b\u3089\u30ec\u30d3\u30e5\u30fc\u306e\u3088\u3044\u3082\u306e\u3092\u9078\u3076\u3068\u3068\u3082\u306b\u3001\u4fdd\u967a\u6599\u3092\u6bd4\u3079\u308b\u969b\u306b\u306f\u3069\u306e\u6599\u91d1\u8a2d\u5b9a\u306e\u4ed5\u65b9\u304c\u3068\u3089\u308c\u3066\u3044\u308b\u304b\u306b\u6ce8\u610f\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u7c21\u5358\u3067\u306f\u306a\u3044\u9014\u4e2d\u52a0\u5165<\/h2>\n<p>\u81ea\u5206\u306eMedigap\u30d7\u30e9\u30f3\u306b\u6e80\u8db3\u3067\u3042\u308c\u3070\u3001\u5e74\u3005\u305d\u306e\u307e\u307e\u6301\u3061\u7d9a\u3051\u308b\u306e\u304c\u3075\u3064\u3046\u3067\u3059\u3002Medigap\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u5185\u5bb9\u306f\u30d7\u30e9\u30f3\u3054\u3068\u306b\u6a19\u6e96\u5316\u3055\u308c\u3066\u304a\u308a\u3001\u5185\u5bb9\u304c\u5287\u7684\u306b\u5909\u5316\u3059\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305f\u3060\u3001\u81ea\u5206\u306e\u72b6\u6cc1\u306e\u5909\u5316\u306a\u3069\u306b\u3088\u308a\u3001\u30ab\u30d0\u30ec\u30c3\u30b8\u306b\u4e0d\u8db3\u304c\u3042\u3063\u305f\u308a\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u4e0d\u6e80\u304c\u3042\u3063\u305f\u308a\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u3088\u308a\u5b89\u3044\u30d7\u30e9\u30f3\u306b\u5909\u66f4\u3059\u308b\u5fc5\u8981\u304c\u3042\u3063\u305f\u308a\u3068\u3044\u3046\u5834\u5408\u306b\u306f\u3001\u4ed6\u306eMedigap\u30d7\u30e9\u30f3\u306b\u4e57\u308a\u63db\u3048\u305f\u3044\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u65b0\u3057\u3044Medigap\u30d7\u30e9\u30f3\u306b\u52a0\u5165\u3059\u308b\u3053\u3068\u306f\u3001\u5f53\u521d\u306e\u30aa\u30fc\u30d7\u30f3\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u671f\u9593\u306b\u52a0\u5165\u3057\u305f\u3068\u304d\u306b\u6bd4\u3079\u308b\u3068\u7c21\u5358\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30aa\u30fc\u30d7\u30f3\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u671f\u9593\u3067\u306f\u3001\u3069\u3093\u306a\u5065\u5eb7\u72b6\u614b\u306e\u4eba\u3067\u3082 \u201cGuaranteed Issuance\uff08\u52a0\u5165\u4fdd\u8a3c\uff09\u201d\u3068\u3044\u3046\u30eb\u30fc\u30eb\u306b\u3088\u308a\u52a0\u5165\u304c\u4fdd\u8a3c\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u3092\u904e\u304e\u3066\u304b\u3089\u306f\u3053\u306e\u4fdd\u8a3c\u304c\u3042\u308a\u307e\u305b\u3093\u3002\u7279\u4f8b\u7684\u306b\u201cGuaranteed Issuance\uff08\u52a0\u5165\u4fdd\u8a3c\uff09\u201d\u304c\u3042\u308b\u5834\u5408\u304c\u3001\u73fe\u5728\u5165\u3063\u3066\u3044\u308b\u4fdd\u967a\u4f1a\u793e\u304c\u7d4c\u55b6\u56f0\u96e3\u306a\u3069\u306b\u3088\u308a\u306a\u304f\u306a\u308b\u5834\u5408\u3084\u3001Medicare SELECT\u3092\u6301\u3063\u3066\u3044\u3066\u8a72\u5f53\u5916\u306e\u5dde\u306b\u5f15\u3063\u8d8a\u3057\u305f\u5834\u5408\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u8a50\u6b3a\u306a\u3069\u306e\u554f\u984c\u304c\u3042\u3063\u3066\u73fe\u5728\u306e\u30d7\u30e9\u30f3\u3092\u30ad\u30e3\u30f3\u30bb\u30eb\u3059\u308b\u3053\u3068\u304c\u3084\u3080\u3092\u5f97\u306a\u3044\u3088\u3046\u306a\u5834\u5408\u3067\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u5dde\u306b\u3088\u3063\u3066\u306f\u3082\u3046\u5c11\u3057\u5bdb\u5bb9\u306a\u653f\u7b56\u3092\u3068\u3063\u3066\u3044\u308b\u3068\u3053\u308d\u3082\u3042\u308a\u307e\u3059\u3002\u5177\u4f53\u7684\u306b\u306f\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u3001\u30aa\u30ec\u30b4\u30f3\u3001\u30df\u30ba\u30fc\u30ea\u3067\u306f\u3001Birthday Rule\u3068\u304bAnniversary Rule\u3068\u547c\u3070\u308c\u308b\u30eb\u30fc\u30eb\u3092\u3068\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u305e\u308c\u306e\u5dde\u3067\u30eb\u30fc\u30eb\u306f\u7570\u306a\u308b\u306e\u3067\u8a73\u3057\u304f\u306f\u8ff0\u3079\u307e\u305b\u3093\u304c\u3001\u305f\u3068\u3048\u3070\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306e\u5834\u5408\u3067\u3042\u308c\u3070\u3001\u6bce\u5e74\u3001\u81ea\u5206\u306e\u8a95\u751f\u65e5\u304b\u308930\u65e5\u4ee5\u5185\u306b\u3001\u73fe\u5728\u306eMedigap\u30dd\u30ea\u30b7\u30fc\u3068\u540c\u7b49\u30d7\u30e9\u30f3\u304b\u305d\u308c\u4ee5\u4e0b\u306e\u30d7\u30e9\u30f3\u306b\u3001\u30e1\u30c7\u30a3\u30ab\u30eb\u30b9\u30af\u30ea\u30fc\u30cb\u30f3\u30b0\u306a\u3057\u306b\u52a0\u5165\u304c\u4fdd\u8a3c\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u30cb\u30e5\u30fc\u30e8\u30fc\u30af\u3068\u30b3\u30cd\u30c1\u30ab\u30c3\u30c8\u3067\u306f\u3001Guaranteed Issuance\u304c\u5f53\u521d\u306e\u5e74\u3060\u3051\u3067\u306a\u304fAnytime\u3068\u3055\u308c\u3066\u3044\u308b\u306e\u3067\u3001\u3044\u3064\u3067\u3082\u65b0\u3057\u3044Medigap\u30dd\u30ea\u30b7\u30fc\u306b\u30e1\u30c7\u30a3\u30ab\u30eb\u30b9\u30af\u30ea\u30fc\u30cb\u30f3\u30b0\u306a\u3057\u306b\u52a0\u5165\u3067\u304d\u308b\u3053\u3068\u304c\u4fdd\u8a3c\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3053\u308c\u4ee5\u5916\u306e\u5834\u5408\u3067\u3082\u3001\u4fdd\u967a\u4f1a\u793e\u81ea\u8eab\u304c\u3001\u7279\u5b9a\u306eMedigap\u30dd\u30ea\u30b7\u30fc\u3092\u201cGuaranteed Issuance\uff08\u52a0\u5165\u4fdd\u8a3c\uff09\u201d\u3057\u3066\u58f2\u3063\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308b\u306e\u3067\u3001\u5b8c\u5168\u306b\u5909\u66f4\u3092\u3042\u304d\u3089\u3081\u308b\u524d\u306b\u8abf\u3079\u308b\u4fa1\u5024\u306f\u3042\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6b21\u56de\u306f\u3001Medigap\u306e\u5404\u7a2e\u30d7\u30e9\u30f3\u306e\u3046\u3061\u3001\u3069\u3093\u306a\u3082\u306e\u3092\u9078\u3076\u306e\u304c\u826f\u3044\u304b\u3092\u5177\u4f53\u7684\u306b\u307f\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medigap\u306f\u3001Medical Supplement Insurance\u3068\u3082\u547c\u3070\u308c\u3001\u7b2c\u4e09\u8005\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u63d0\u4f9b\u3055\u308c\u3001Original Medicare\u3067\u30ab\u30d0\u30fc\u3055\u308c\u306a\u3044Deductible\u3001Copayments\u3001Coinsurance\u306a\u3069\u306e\u201c\u30ae\u30e3\u30c3\u30d7\u201d\u3092\u88dc\u8db3\u30ab\u30d0\u30fc\u3059\u308b\u305f\u3081\u306b\u7528\u3044\u3089\u308c\u307e\u3059\u3002\u30d7\u30e9\u30f3\u306b\u3088\u3063\u3066\u306f\u3001\u7c73\u56fd\u5916\u306e\u6ede\u5728\u4e2d\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u30ab\u30d0\u30fc\u3059\u308b\u3088\u3046\u306a\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002Medigap\u306e\u52a0\u5165\u306b\u3042\u305f\u3063\u3066\u306f\u3001Original Medicare \u3067\u3042\u308bPart A\u3068Part B\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u6761\u4ef6\u3068\u306a\u308a\u3001\u307e\u305f\u3001Medigap\u306f\u5f8c\u8ff0\u306eMedical Advantage\u3068\u306f\u4e00\u7dd2\u306b\u4f7f\u3046\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002Medigap\u306f\u3001\u51e6\u65b9\u7b8b\u306f\u30ab\u30d0\u30fc\u3057\u3066\u3044\u306a\u3044\u306e\u3067\u3001Medicare Plan 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