Category: Medicare & Senior Health
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💰 IRMAA 是什麼？高所得 Medicare 加價一次說清楚（含收入門檻表）What Is IRMAA? A Simple Guide to High-Income Medicare Surcharges
IRMAA 是什麼？為什麼退休前收入高，Medicare 保費會突然變貴？本篇用最簡單的方式解釋高所得附加費的規則、收入級距表、常見地雷與降低 IRMAA 的方法，適合即將退休、科技業、工程師及華人家庭。What is IRMAA and why does your Medicare premium increase if you earned more before retirement? This bilingual guide explains income thresholds, MAGI rules, common triggers, and how to reduce or appeal IRMAA.
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🧓 Medicare A / B / C / D 一次說清楚：美國紅藍卡懶人包 Medicare A, B, C & D Explained: Simple Guide to the Red-Blue
第一次面對美國紅藍卡，A、B、C、D 看得頭很大？這篇懶人包用圖解與例子，帶你一次看懂 Medicare 四大部分、優勢計畫 vs 原始計畫、Medigap 補充險與重要申請時間，特別適合華人家庭與準退休族。New to Medicare and confused by Parts A, B, C and D? This simple, bilingual guide explains how Medicare works, the difference between Original Medicare and Advantage plans, what Medigap does, and which enrollment deadlines you cannot miss.