Medicare とは？②

Medicare Part B is also called Supplementary Medical Insurance (SMI). It helps pay for medically necessary physician, outpatient hospital visit, home health care costs, and other services for aged and disabled. For example, Part B covers:
* Durable medical equipment (canes, walkers, scooters, wheelchairs, etc.)
* Physician and nursing services
* X-rays, laboratory and diagnostic tests
* Certain vaccinations
* Blood transfusions
* Rental dialysis
* Outpatient hospital procedures
* Some ambulance transportation
* Immunosuppressive drugs after organ transplants
* Chemotherapy
* Certain hormonal treatments
* Prothetic devices and eyeglasses.
メディケアパートBは、いわゆる補完的な保険（SMI）です。高齢者や障害者の医師、通院、在宅治療等の費用を保障します。具体的には、長く使う車いす等の器具代、医師への支払い、特定のワクチン、X線、輸血、透析機のレンタル、化学療法その他が含まれます。

Part B requires a monthly premium ($96.40 per month in 2009), and patients must meet an annual deductible ($135.00 in 2009) before coverage actually begins. Enrollment in Part B is voluntary.
パートBに加入する場合は、毎月保険料を支払います。免責金額もあります。パートBへの加入は任意です。

Medicare Advantage Plans (sometimes known as Medicare Part C, or Medicare + Choice) allow users to design a customer plan that can be more closely aligned with their medical needs. These plans enlist private insurance companies to provide some of the coverage, but details vary based on the program and eligibility of the patient. Some Advantage Plans team up with health maintenance organization (HMOs) or preferred provide organization (PPOs) to provide preventive health care or specialist services. Others focus on patients with special needs such as diabetes.
パートCはメディケア追加プランと呼ばれるもので、加入者が自分の病状に即して内容を変更することができます。民間保険会社が支払いの一部を負担しますが、詳細はプランや患者によって多様です。いくつかのプランは健康維持機関などと組んで予防的なサービスを提供します。また糖尿病などの特定のニーズに注目したものもあります。

In 2006, Medicare expanded to include a prescription drug plan known as Medicare Part D. Part D is administered by one of several private insurance companies, each offers a plan with different costs and lists of drugs that are covered. Participation in Plan D requires payment of a premium and a deductible. Pricing is designed so that 75% of prescription drug cost are covered by Medicare if you spend between $250 to $2,250 in a year. The next $2,850 spent on drugs is not covered, but then Medicare covers 95% of what is spent past $3,600.
2006年にメディケアは処方薬を範囲に含めるように拡張されました。パートDとして知られる部分です。パートDは民間保険会社によって運営され、各社によって提供する費用や薬が異なります。加入者は保険料の支払いと免責が必要で、費用は金額に応じて一定割合がメディケアから保障されるように設計されています。

http://www.medicalnewstoday.com/info/medicare-medicaid/