Medicare开放登记12月7日截止：换计划须在此前递交，2027年1月1日生效
Medicare（联邦医疗保险）2026年开放登记期为10月15日至12月7日，这是已有Medicare的人一年一度调整保障的机会：所做的变更将于2027年1月1日生效，前提是计划方在12月7日前收到加入申请。
开放期内可以办理的事项包括：加入、退出或更换Medicare Advantage计划（可含或不含药物保障），或增减药物保障；在原始Medicare与Medicare Advantage之间互转；持原始Medicare者可加入、退出或更换单独的Medicare药物计划。办理渠道有三种：在Medicare.gov的plan-compare页面选定计划点「Enroll」、直接联系计划方（可索取纸质表格邮寄，但须在登记期结束前送达），或拨打1-800-MEDICARE（1-800-633-4227；TTY 1-877-486-2048）。
选计划前，Medicare.gov建议核对三件事：计划是否覆盖自己常吃的处方药、常用医生与药房是否在网络内、月保费与自付额等全年成本估算。若在别州居住部分时间，还要确认计划在当地是否可用；已有其他保险者，变更前应先与原保险方确认影响。
另一个时间点供已在Medicare Advantage计划内的人参考：每年的Medicare Advantage开放登记期为1月1日至3月31日，期间可更换另一个Advantage计划，或退回原始Medicare并另加药物计划，变更自计划方收到申请的次月1日起生效。临近12月7日截止日，尚未比价的参保人宜尽快用官方比价工具核对2027年的药物与医生网络是否变化。
（来源：美国医疗保险与医疗补助服务中心）
Medicare Open Enrollment Ends December 7: Plan Changes Must Be Submitted by Then and Take Effect January 1, 2027
Medicare's 2026 Open Enrollment period runs from October 15 to December 7. It is the one time each year when people who already have Medicare can adjust their coverage: changes take effect on January 1, 2027, provided the plan receives the request to join by December 7.
During Open Enrollment you can join, drop, or switch to another Medicare Advantage Plan, with or without drug coverage, or add or drop drug coverage; switch from Original Medicare to a Medicare Advantage Plan, or back again; and, if you are in Original Medicare, join, drop, or switch a separate Medicare drug plan. There are three ways to join: select "Enroll" for the plan you want at Medicare.gov/plan-compare; contact the plan directly, including by paper form, which must arrive before the enrollment period ends; or call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).
Before choosing, Medicare.gov advises checking three things: whether the plan covers your regular prescriptions, whether your doctors and pharmacies are in network, and the estimated yearly cost including premiums and deductibles. People who live in another state part of the year should confirm the plan works there, and anyone with other insurance should check with that provider before making changes.
One more date matters for people already in a Medicare Advantage Plan: the Medicare Advantage Open Enrollment Period runs January 1 to March 31 each year, when you can switch to another Advantage plan or return to Original Medicare and join a separate drug plan, effective the first of the month after the plan gets your request. With the December 7 deadline approaching, enrollees who have not yet compared plans should use the official Plan Finder to check whether their 2027 drug coverage and provider networks are changing.
(Source: Centers for Medicare & Medicaid Services)
来源：美国医疗保险与医疗补助服务中心
发布：GSM·美国（发布链接）
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