지금은 직장보험이 있어서 보험을 가지고 있지만…
은퇴후 미국의 건강보험 제도가 어떤지 궁금합니다.

한국이야 국민건강보험이 있으니 걱정없겠지만…

미국에선 은퇴하면 자비로 건강보험을 들어야 하나요?
노인들을 위해 정부가 보조해주는 제도가 있는지, 있다면 그게 누구에게 적용이 되는지…

은퇴하고 가진재산 좀 있는 사람의 경우 큰 병이 나면 자기 재산 다 써서 거지가 되야 그때 정부가 치료비를 내주는건지…

제가 은퇴할 나이가 되도 아이들이 아직 학교 다닐텐대…. 이런경우 아이들 보험은 어떻게 되는건지요?

주위에 어떤 노인은 병 나서 전 재산 다 날렸다는 분도 있고, 어떤 노인은 몇십만불에 달하는 수술비를 다 내줬다는 분도 있고…

잘 아시는 분 계시나요???

http://www.articlesbase.com/personal-finance-articles/medical-vs-medicare-1469156.html

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medical insurance is either an “individual” policy or a “group” policy. group policies are usually an employee group through that persons employer. individual policies are purchased by an individual and/or family usually by people who are self-employed or do not have group coverage provided by employer.

Medicare is a federal program of insurance provided to most people over 65 or to disabled people who have been receiving SSI disabilty payments for at least 24 months. Medicare has four parts. Part A is for hospital expenses and will have a deductible in 2008 of just over $1000 per 60 day benefit period. it has no premium if an individual or their spouse has worked at least 40 quarters in their lifetime or if an individual has qualified for Medicare through a disability. Part B of Medicare covers doctor expenses, in or out of hospital and medical expenses out of hospital. it normally has a premium. for 2008 the premium is $96.40. everyone pays this unless you are on SSI disability or qualify for low income assistance. Part C of Medicare are Medicare Advantage Plans available through a healthcare company. they will usually have no or a very low premium and come in three basic formats (HMO, PPO, PFFS). they usually provide all your Medicare benefits plus extras such as vision and dental.

Medicare Part D is the pharmacy benefit initially offered in 2006. it is also purchased from healthcare companies as a stand alone drug card or as part of a Part C Medicare Advantage Plan mentioned above. all plans must meet or exceed specific minimum requirements set by Medicare. most plans have a coverage gap, commonly referred to as the “donut hole”. in 2008 the gap starts once you have purchased $2510 of prescriptions. usually there is no coverage in the gap. coverage again starts up after you have spent over $4050 of your own money on prescriptions. then your drug plan will pay at least 95% of your drug cost until the end of the calendar year.

Medicaid is a joint federal and state program. it is income and asset based. it has no age requirements. a person can have both Medicare and Medicaid (Dual Eligibles). each state sets their own guidelines for qualification. Medicaid is meant to be insurance for indigent people, so the income and asset requirements are set pretty low.