【Eng Sub】Medicare Part D沒有取消！政府80億補貼2027結束，藥物保費、藥費會漲多少？

Medicare(紅藍卡) Part D真的被取消了嗎？2027年Medicare(紅藍卡) Part D到底有什麼改變？長者的Part D保費和處方藥費會不會上漲？ 最近不少華人長者看到「Medicare(紅藍卡) Part D被取消」的消息而感到擔心。其實Medicare(紅藍卡) Part D並沒有取消。2027年結束的是一項用來減低獨立Part D計劃保費升幅的臨時補貼計劃。補貼結束後，部分長者的Part D保費可能出現變化，但實際影響會因個人所選的計劃、處方藥、藥物等級（Drug Tier）及使用的藥房而不同。 今集《傾城計話 City Spotlight》邀請Medicare(紅藍卡)專家，深入拆解2027年Medicare(紅藍卡) Part D改革，包括Part D保費、處方藥費、Deductible自付額、藥物等級、藥房網絡，以及2027年$2,400處方藥年度自付上限。 我們亦會解釋政府為什麼曾投入接近100億美元穩定Part D保費、這項臨時補貼為什麼在2027年結束，以及Original Medicare(紅藍卡)＋獨立Part D與Medicare Advantage(紅藍卡優勢計劃)藥物保障可能受到什麼不同影響。 如果你正在使用Medicare(紅藍卡) Part D，最重要的不是只看每月保費，而是比較自己的藥物是否仍在Formulary藥物清單內、屬於哪一個Tier、Deductible和Copay是多少、常用藥房是否仍屬Preferred Pharmacy，以及全年總藥費可能是多少。 2027年Medicare(紅藍卡)計劃公布後，長者亦應仔細查看Annual Notice of Change（ANOC），並在Medicare Open Enrollment(紅藍卡開放登記期)重新比較自己的Part D或Medicare Advantage(紅藍卡優勢計劃)。 🎬 YouTube獨家完整節目｜本集完整版只在YouTube《傾城計話 City Spotlight》播出 ⸻ Is Medicare Part D being canceled in 2027? No. Medicare Part D is not going away, but an important temporary premium stabilization program for stand-alone Part D plans is ending. In this episode of City Spotlight, a Medicare expert explains the key Medicare Part D changes for 2027 and what they could mean for seniors and Medicare beneficiaries. We discuss Part D premiums, prescription drug costs, deductibles, copays, drug tiers, formularies, preferred pharmacies, and the 2027 $2,400 annual out-of-pocket cap for covered Part D prescription drugs. We also explain why the federal government spent nearly $10 billion on temporary Part D premium stabilization, why that support is ending, and why people with stand-alone Medicare Part D plans may experience different changes from those receiving prescription drug coverage through a Medicare Advantage plan. Before Medicare Open Enrollment, review your Annual Notice of Change (ANOC), prescription drug list, formulary, drug tiers, pharmacy network, deductible, copays, premiums, and estimated total annual cost. A plan with a lower monthly premium is not always the least expensive plan once prescription drug costs are included. If you have Medicare Part D or Medicare Advantage prescription drug coverage, understanding the 2027 Medicare changes now can help you make a more informed decision for the coming year. 📌 本集重點 • Medicare(紅藍卡) Part D並沒有取消，改變的是政府的臨時補貼方式 • 2027年Part D處方藥年度自付上限增至$2,400 • 補貼結束後，部分計劃的保費、藥物保障及藥房網絡可能改變 • 選擇計劃時要比較Formulary、Drug Tier、Deductible、Copay及Preferred Pharmacy • 收到Annual Notice of Change（ANOC）後，應在開放登記期重新比較計劃 ⏱️ 時間軸 Timecodes 00:00 精彩內容 00:51 Medicare(紅藍卡) Part D真的被取消？ 02:36 Medicare(紅藍卡) Part D是什麼？ 03:16 2027年有何改變？年度自付上限增至$2,400 04:33 政府80億美元補貼結束，真正改變的是什麼？ 08:16 2027年的價格變化會否比往年更大？ 08:27 保險公司可能退出加州或當地市場？ 09:25 獨立Part D月費可能增加多少？ 11:32 昂貴藥物不受保，如何尋找藥費援助？ 13:39 三個長者案例：不同用藥情況如何選計劃？ 18:09 收到Annual Notice of Change（ANOC）應該怎樣做？ 19:49 65歲申請期與Medicare Open Enrollment 21:15 2027年Part D必須留意的五件事 你最擔心2027年Part D哪一項改變：每月保費、處方藥費、自付額，還是常用藥物不再受保？歡迎在留言區分享。 📺 過往節目回顧： https://tinyurl.com/mwasah4f 🔔 最新節目收看：    / @cityspotlight19   © City Spotlight, 2026. All rights reserved. No part of this video (including audio, video, or graphics) may be reproduced, distributed, transmitted, or re-uploaded in any form or by any means, including hosting on other YouTube channels or external platforms, without the prior written permission of the copyright owner. Unauthorized use, re-uploads, or distribution of this material will result in an immediate copyright takedown request (DMCA) filed with YouTube, which may lead to a copyright strike against your channel. #Medicare #MedicarePartD #Medicare2027 #PartD #MedicareChanges #處方藥 #藥費 #長者醫療 #紅藍卡 #美國醫療 #MedicareOpenEnrollment #CitySpotlight #廣東話 #粵語