Medicare в 2027 году: что нужно знать перед выбором
Татьяна Гербер, CSFP — независимый страховой брокер в Калифорнии. Лицензия CA #0D83407. Телефон 619-925-8000.
В Medicare есть сроки, штрафы и много вариантов. Здесь все объяснено простыми словами. Сначала понимание. Без давления.
Главные даты
- 15 октября – 7 декабря 2026: открытая запись Medicare. Можно сменить план Advantage или план лекарств Part D.
- 1 января 2027: новый план начинает действовать.
- 1 января – 31 марта 2027: если вы уже в плане Advantage, можно сделать одно изменение.
- Первая запись в 65 лет: 7 месяцев. Три месяца до месяца вашего 65-летия, сам месяц и три месяца после.
Из чего состоит Medicare
- Part A — больница.
- Part B — врачи и амбулаторная помощь.
- Part C (Advantage) — частный план, включает A и B, часто с дополнительными льготами. У него есть сеть врачей и годовой лимит ваших расходов.
- Part D — лекарства.
- Medigap — дополнение к Original Medicare. Оплачивает часть ваших расходов.
Сколько это стоит в 2027 году
- Part A: для большинства людей, которые проработали 40 кварталов (около 10 лет), платежа в месяц нет.
- Part B: есть платеж в месяц и годовая франшиза. На 6 ноября 2026 года CMS еще не объявил суммы на 2027 год. Суммы на 2027 год добавим, когда CMS их опубликует.
- Part D: франшиза не больше $700, годовой лимит ваших расходов $2,400. Цены планов разные. Федеральная программа, которая сдерживала цены на Part D, в 2027 году не продолжается, поэтому часть платежей может вырасти. Проверьте свой план каждый год.
- Высокий доход: люди с высоким доходом доплачивают за Part B и Part D (IRMAA). Считается по налоговой декларации двухлетней давности.
- У Original Medicare (Part A и B) нет годового лимита расходов. У планов Advantage он есть.
Что нового в Medicare в 2027 году
Источник: листок CMS "Your Medicare in 2027: What's New & Changing" (CMS Product No. 12229, сентябрь 2026).
- Видеовизиты: до 31 декабря 2027 услуги по видео можно получать в любом месте США, в том числе дома. Спросите у врача, есть ли нужная услуга по видео.
- Цены на лекарства: с 1 января 2027 начинают действовать согласованные цены еще на 15 лекарств по Part D. Как это повлияет на вас, расскажет ваш план.
- GLP-1 Bridge: если у вас есть Part D, эти лекарства сейчас не покрываются и вы подходите по условиям, доплата $50 за запас на один месяц. Условия: Medicare.gov/glp1bridge.
- Электронное предварительное одобрение: с 1 января 2027 планы Medicare Advantage могут обрабатывать prior authorization в электронном виде.
- ACCESS: программа для тех, у кого Original Medicare и есть хронические болезни. Может быть бесплатной или недорогой. Medicare.gov/ACCESS.
- Кто может получить Part A и Part B (правила CMS): гражданин или national США, обладатель green card (законный постоянный житель), Cuban-Haitian entrant или житель по программе COFA. Если не уверены, позвоните нам или в Social Security.
- Врачи, вышедшие из Medicare (opted out): Medicare обычно не оплачивает их услуги. Спросите до визита.
Штрафы, которые остаются надолго
- Part B: если вы не записались вовремя и у вас нет другой подходящей страховки, платеж растет на 10% за каждые полные 12 месяцев ожидания. Это остается, пока у вас есть Part B.
- Part D: если вы 63 дня и больше были без подходящих лекарств, к платежу добавляется штраф. Он остается, пока у вас есть Part D.
- Если вы работаете после 65 лет и у вас страховка от работодателя, возможно, записываться можно позже. Правила зависят от работодателя и страховки. Проверьте до того, как откладывать.
Частые ошибки
- Думать, что Medicare оформится сам.
- Ждать, не проверив, считается ли страховка с работы.
- Не проверять Part D каждый год.
- Выбрать план, не проверив врачей и лекарства.
- Отказаться от старого плана раньше, чем подтвержден новый.
Как я помогаю
1. Мы проверяем Part A и Part B. Разговор о планах начинаю, когда оба оформлены.
2. Вы подписываете короткий Scope of Appointment: о чем мы будем говорить.
3. Мы проверяем врачей, лекарства и аптеку по планам, которые я могу предложить.
4. Решаете вы. Никаких обязательств.
5. Я остаюсь с вами и после записи.
Не присылайте карту Medicare, номер Medicare и Social Security по email. Я пришлю безопасную ссылку.
Вопросы о Medicare
Когда открытая запись Medicare на 2027 год и что можно изменить?
Открытая запись Medicare идет с 15 октября по 7 декабря. Можно поменять план Medicare Advantage или план лекарств Part D. Изменения начнутся 1 января 2027 года. Планы Medigap устроены иначе и в это окно не входят.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
Мой план Medicare Advantage заканчивается в 2027 году. Что делать?
Прочитайте уведомление от вашего плана. Можно выбрать другой план Medicare Advantage или вернуться на Original Medicare с планом лекарств. Ничего не отменяйте, пока не знаете новое покрытие. Если вы вернетесь на Original Medicare и захотите Medigap, там действуют правила одобрения. Сначала проверьте их.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
Нужно ли проверять план лекарств Part D каждый год?
Да. Каждый год планы лекарств меняют цены, список препаратов и аптеки. План, который был хорошим в прошлом году, сейчас может стоить больше. Пришлите список лекарств и аптеку, я проверю.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
Скоро мне получать Medicare. С чего начать?
Сначала подтвердите Part A и Part B. Окно Medicare начинается за три месяца до месяца, когда вам исполняется 65. Если у вас есть страховка через работу, мы проверим, как она сочетается. Когда Part A и B оформлены, мы обсуждаем дополнительное покрытие. Возьмите карту Medicare с датами начала.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
Можно ли поменять план Medicare после 1 января?
Если вы уже в плане Medicare Advantage, можно сделать одно изменение с 1 января по 31 марта 2027 года. Сначала проверьте врачей и лекарства. Ничего не отменяйте, пока не спросите.
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
Medicare Disclaimer Gerberg Financial & Insurance Agency, LLC
Gerberg Financial & Insurance Agency, LLC is an independent, licensed insurance agency providing Medicare-related insurance services through appropriately licensed and authorized insurance agents.
Our agency is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.
Our services may include assistance with Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), Medicare Supplement Insurance (Medigap), and other Medicare-related insurance options, subject to current carrier appointments, licensing, and product availability.
We represent selected insurance companies and do not necessarily offer every Medicare plan available in your area.
Plan availability, benefits, premiums, provider networks, prescription drug formularies, copayments, deductibles, and out-of-pocket costs vary by plan, service area, and coverage year. All plan information is subject to applicable policy terms and changes.
Enrollment is subject to Medicare eligibility requirements, applicable enrollment periods, and plan approval. There is no obligation to enroll when contacting our agency.
Required Medicare TPMO Disclaimer We do not offer every plan available in your area. Currently we represent 9 organizations which offer 80 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Independent Insurance Agency Disclosure Insurance recommendations and enrollment assistance are limited to products for which our agency and its representatives are properly licensed, appointed, certified, and authorized.
For official Medicare information and a complete review of available Medicare options, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
Gerberg Financial & Insurance Agency, LLC California Insurance License: 0D83407 Tatiana Gerberg Phone: 619-925-8000 Website: www.Insurance800.com
