🩺 Medical Insurance 系列總整理｜Medical Insurance Hub Page

這一頁是 Purser Services 的「美國醫療保險系列總目錄」，把網站上所有跟 Medical Insurance 有關的文章集中在一起，方便你邊看邊比較，也方便 Google 了解我們在這個主題上的完整架構（Topical Authority）。

📌 中文導覽：美國醫療保險怎麼看這一系列？

如果你是第一次來看這個系列，可以照這個順序：

🩺 HMO、PPO、EPO、HDHP 怎麼選？美國團體醫療保險一次看懂
👉 介紹美國常見的 HMO / PPO / EPO / HDHP，誰適合什麼網路，差別在哪裡。
🌿 FSA vs HSA 傻傻分不清？一篇帶你看懂差異
👉 解釋 FSA 與 HSA 的稅務好處、使用限制、rollover 規則，以及誰比較適合哪一種帳戶。
👨‍👩‍👧 HSA 可以給哪些家人使用？IRS 家屬規則一次講清楚
👉 釐清「誰可以用你的 HSA 支付醫療費用」，以及 spouse、小孩、父母在稅法上的差別。
💰 After Deductible 之後到底誰在付錢？PPO、HMO、HDHP 真實分攤機制
👉 用「自付額（deductible）之後」的角度，看 co-pay、co-insurance、out-of-pocket max 怎麼一起作用。

🧓 Medicare A / B / C / D 一次說清楚：美國紅藍卡懶人包
👉 介紹 Medicare 的四大部分、基本概念以及紅藍卡 vs Advantage vs Medigap 的差異。
📈 IRMAA 是什麼？為什麼退休後收入太高，Medicare 保費會加價？
👉 說明 Income-Related Monthly Adjustment Amount（IRMAA），以及退休前兩年收入如何影響未來保費。
👩‍⚕️ 退休／離職後醫療保險怎麼接？COBRA × ACA × Medicare 銜接懶人包
👉 解析離職、提前退休、63–65 歲的「空窗期」如何用 COBRA、ACA 與 Medicare 串起來，避免 coverage gap 與終身罰金。

🧬 特殊情境醫療保險：慢性病、重大疾病、懷孕與跨國生活怎麼選？
👉 專門討論糖尿病、高血壓、癌症治療、孕媽咪，以及在美國與台灣／其他國家之間移動時，應該怎麼安排保險。
✈️ 爸媽來美需要買醫療保險嗎？Visitor Insurance 懶人包
👉 爸媽沒有美國身份，短期來美遇到緊急狀況怎麼辦？整理 Visitor Insurance 的保障範圍、pre-existing 限制與實務建議。
🚑 Travel Medical / 旅遊醫療保險 vs 在地醫療保險：差在哪裡？
👉 區分「旅遊醫療險」與「長期醫療保險」的用途，避免買錯保單以為自己有 cover。

Medical Insurance 主要回答的是「看病與醫療費用怎麼付」。如果你也在思考：

可以繼續看 Life & Health Insurance 系列：

This page is the Medical Insurance Hub for Purser Services. It gathers all major health-insurance-related articles in one place so you can:

Start with the basics (HMO/PPO, deductibles, FSA vs HSA)
Plan for retirement and Medicare
Handle special situations like chronic conditions, serious illness, pregnancy and cross-border families
Explore related topics in Life & Health Insurance (L&H)

🩺 HMO vs PPO vs EPO vs HDHP: How to Choose a U.S. Health Plan
👉 Explains the key differences between common network types and who each one works best for.
🌿 FSA vs HSA: What’s the Difference?
👉 Compares Flexible Spending Accounts and Health Savings Accounts, including tax benefits, rollover rules and limitations.
👨‍👩‍👧 Who Can You Use Your HSA For? Understanding IRS Rules for Family Members
👉 Clarifies which family members’ medical expenses can be paid from your HSA and how “tax dependents” work.
💰 After the Deductible: Who Actually Pays Under PPO, HMO and HDHP?
👉 Breaks down what happens after you meet your deductible—how co-pays, co-insurance and the out-of-pocket maximum really interact.

🧓 Medicare A/B/C/D Basics: A Simple Guide to U.S. Senior Health Coverage
👉 An overview of Original Medicare, Medicare Advantage and Medigap, and how they fit together.
📈 What Is IRMAA and How Does Retirement Income Affect Your Medicare Premium?
👉 Explains the income-related monthly adjustment amount and why your income in the two years before retirement matters.
👩‍⚕️ Health Insurance After You Leave Your Job: COBRA, ACA & Medicare Transition Guide
👉 Shows how to move from employer coverage into COBRA, ACA Marketplace plans and Medicare without coverage gaps or lifetime penalties.

🧬 Special Situations in Health Insurance: Chronic Conditions, Serious Illness, Pregnancy & Cross-Border Living
👉 Discusses how different plans treat pre-existing conditions and what to consider if you live between countries or are in active treatment.
✈️ Visitor Insurance for Parents Visiting the USA: A Practical Guide
👉 Explains how visitor insurance works for parents or relatives visiting the U.S., including pre-existing condition limitations.
🚑 Travel Medical Insurance vs Local Health Insurance: What’s the Real Difference?
👉 Clarifies when travel medical insurance is useful and when you still need a full medical plan.

這一整個 Medical Insurance 系列，是以「教育＋實務」為出發點，不是為了推銷單一公司，而是希望你可以：

如果你想要用中文聊聊自己的情況、或希望有人陪你一起看 plan options，也可以透過 Purser Services 與我聯絡：