{"id":1107,"date":"2021-04-19T14:48:32","date_gmt":"2021-04-19T14:48:32","guid":{"rendered":"https:\/\/211md.org\/?page_id=1107"},"modified":"2026-04-04T09:56:33","modified_gmt":"2026-04-04T13:56:33","slug":"%e5%81%a5%e5%ba%b7%e4%bf%9d%e9%99%a9","status":"publish","type":"page","link":"https:\/\/211md.org\/zh\/resources\/health-care\/health-insurance\/","title":{"rendered":"\u9a6c\u91cc\u5170\u5dde\u5065\u5eb7\u4fdd\u9669\u9009\u9879"},"content":{"rendered":"<figure data-animation-delay=\"0\" data-animation-duration=\"1\" itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/stg-maryland211-staging.kinsta.cloud\/wp-content\/uploads\/2025\/08\/5-1-scaled.png\" alt=\"5\" height=\"692\" width=\"2560\" title=\"5\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<\/figure>\n\t\t<p>\u60a8\u6ca1\u6709\u533b\u7597\u4fdd\u9669\u5417\uff1f\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u60a8\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u514d\u8d39\u533b\u7597\u4fdd\u9669\u6216\u4f4e\u4ef7\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u3002.<\/p>\n<p>\u4e86\u89e3\u533b\u7597\u8865\u52a9\u3001\u79c1\u4eba\u533b\u7597\u4fdd\u9669\uff08\u53ef\u4eab\u53d7\u6298\u6263\uff09\u3001\u8054\u90a6\u533b\u7597\u4fdd\u9669\u548c\u7259\u79d1\u4fdd\u9669\u3002.<\/p>\n<p>\u62e8\u6253211\u53ef\u4ee5\u89e3\u7b54\u5065\u5eb7\u4fdd\u9669\u65b9\u9762\u7684\u95ee\u9898\u3002\u60a8\u53ef\u4ee5\u62e8\u6253211\u6216\u641c\u7d22\u6570\u636e\u5e93\uff0c\u67e5\u627e\u5f53\u5730\u7684\u5065\u5eb7\u4fdd\u9669\u8d44\u6e90\uff0c\u4f8b\u5982\u53ef\u4ee5\u4e3a\u60a8\u63d0\u4f9b\u514d\u8d39\u6307\u5bfc\u7684\u54a8\u8be2\u5e08\u3002.<\/p>\n<p>&nbsp;<\/p>\n\t\t\t<a href=\"https:\/\/search.211md.org\/search?query=health%20insurance&#038;query_label=health%20insurance&#038;query_type=text\"  target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\u67e5\u627e\u8d44\u6e90\n\t\t\t\t\t<\/a>\n<figure data-animation-delay=\"0\" data-animation-duration=\"1\" itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/plugins\/bb-plugin\/img\/pixel.png\" alt=\"\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<\/figure>\n<figure data-animation-delay=\"0\" data-animation-duration=\"1.3\" itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/stg-maryland211-staging.kinsta.cloud\/wp-content\/uploads\/2025\/08\/16.png\" alt=\"16\" height=\"1000\" width=\"1000\" title=\"16\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<\/figure>\n<figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"http:\/\/211md.org\/wp-content\/uploads\/2026\/04\/girl-in-wheelchair-visiting-doctor.jpg\" alt=\"\u5750\u5728\u8f6e\u6905\u4e0a\u7684\u5973\u5b69\u548c\u533b\u751f\u51fb\u638c\" title=\"\u5750\u8f6e\u6905\u7684\u5973\u5b69\u53bb\u770b\u533b\u751f\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<\/figure>\n\t\t<h2>\u9a6c\u91cc\u5170\u5dde\u533b\u7597\u8865\u52a9\u8ba1\u5212<\/h2>\n\t\t<p>\u4f4e\u6536\u5165\u5bb6\u5ead\u3001\u513f\u7ae5\u3001\u5b55\u5987\u4ee5\u53ca\u8001\u5e74\u4eba\u3001\u76f2\u4eba\u6216\u6b8b\u75be\u4eba\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u533b\u7597\u8865\u52a9\u3002\u6536\u5165\u8d44\u683c\u6bcf\u5e74\u90fd\u4f1a\u53d8\u5316\u3002.<\/p>\n<p>19\u5c81\u4ee5\u4e0b\u7684\u513f\u7ae5\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u989d\u5916\u7684\u798f\u5229\u00a0<a href=\"https:\/\/211md.org\/zh\/%e8%b5%84%e6%ba%90\/%e5%8d%ab%e7%94%9f%e4%bf%9d%e5%81%a5\/%e5%8c%bb%e7%96%97%e8%a1%a5%e5%8a%a9\/\" target=\"_blank\" rel=\"noopener\">\u9a6c\u91cc\u5170\u5dde\u513f\u7ae5\u5065\u5eb7\u8ba1\u5212<\/a>.<\/p>\n<p>\u9886\u53d6\u5176\u4ed6\u7c7b\u578b\u516c\u5171\u63f4\u52a9\u7684\u4e2a\u4eba\u5c06\u81ea\u52a8\u83b7\u5f97\u533b\u7597\u8865\u52a9\u8d44\u683c\u3002\u8fd9\u4e9b\u4e2a\u4eba\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\u8865\u5145\u4fdd\u969c\u6536\u5165<\/li>\n<li>\u4e34\u65f6\u73b0\u91d1\u63f4\u52a9<\/li>\n<li>\u5bc4\u517b<\/li>\n<\/ul>\n<p>\u5982\u679c\u60a8\u4e0d\u662f\u7f8e\u56fd\u516c\u6c11\uff0c\u60a8\u5728\u6000\u5b55\u671f\u95f4\u4ee5\u53ca\u4ea7\u540e\u56db\u4e2a\u6708\u5185\u53ef\u80fd\u6709\u8d44\u683c\u4eab\u53d7\u533b\u7597\u8865\u52a9 (Medicaid)\u3002\u5982\u679c\u60a8\u7b26\u5408\u4ee5\u4e0b\u6761\u4ef6\uff0c\u4e5f\u53ef\u80fd\u6709\u8d44\u683c\u4eab\u53d7\u533b\u7597\u8865\u52a9\uff1a\u00a0<a href=\"https:\/\/211md.org\/zh\/%e8%b5%84%e6%ba%90\/%e5%8d%ab%e7%94%9f%e4%bf%9d%e5%81%a5\/%e5%8c%bb%e7%96%97%e8%a1%a5%e5%8a%a9\/#immigrant\" target=\"_blank\" rel=\"noopener\">\u5176\u4ed6\u8981\u6c42<\/a>, \u5c31\u50cf\u4e94\u5e74\u89c4\u5219\u4e00\u6837\u3002.<\/p>\n<p>\u60a8\u53ef\u4ee5\u62e5\u6709\u79c1\u4eba\u5065\u5eb7\u4fdd\u9669\u5e76\u6709\u8d44\u683c\u4eab\u53d7 Medicaid\u3002<\/p>\n\t\t\t<a href=\"http:\/\/marylandhealthconnection.gov\/\" target=\"_blank\" rel=\"noopener nofollow\">\n\t\t\t\t\t\t\t\u7533\u8bf7\u533b\u7597\u8865\u52a9\n\t\t\t<\/a>\n\t\t<h3>\u7ba1\u7406\u5f0f\u533b\u7597\u673a\u6784\uff08MCO\uff09<\/h3>\n\t\t<p>\u5927\u591a\u6570\u53c2\u52a0 Medicaid \u8ba1\u5212\u7684\u4eba\u90fd\u901a\u8fc7\u7ba1\u7406\u5f0f\u533b\u7597\u673a\u6784 (MCO) \u83b7\u5f97\u533b\u7597\u670d\u52a1\u3002.<\/p>\n<p>\u884c\u52a8\u7ba1\u5236\u4ee4\u6db5\u76d6\u7684\u533b\u7597\u8d39\u7528\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\u533b\u751f\u5c31\u8bca<\/li>\n<li>\u5b55\u671f\u62a4\u7406<\/li>\n<li>\u5904\u65b9\u836f<\/li>\n<li>\u533b\u9662\u548c\u6025\u6551\u670d\u52a1<\/li>\n<\/ul>\n\t\t\t<a href=\"https:\/\/211md.org\/zh\/%e8%b5%84%e6%ba%90\/%e5%8d%ab%e7%94%9f%e4%bf%9d%e5%81%a5\/%e5%8c%bb%e7%96%97%e8%a1%a5%e5%8a%a9\/\" target=\"_blank\" rel=\"noopener nofollow\">\n\t\t\t\t\t\t\tRead 211&#8217;s guide to medicaid\n\t\t\t\t\t<\/a>\n\t\t<h2>\u79c1\u4eba\u533b\u7597\u4fdd\u9669<\/h2>\n\t\t<p>If you don&#8217;t qualify for Medicaid or children&#8217;s health insurance, individuals and families can apply for private health insurance. Financial help may be available.<\/p>\n<p>While many states use the federal marketplace, Maryland has its own one-stop insurance marketplace, Maryland Health Connection, that handles private insurance, Medicaid, and the Maryland Children&#8217;s Health Program enrollments.<\/p>\n<h3>\u5b83\u4eec\u6db5\u76d6\u54ea\u4e9b\u5185\u5bb9\uff1f<\/h3>\n<p>\u8fd9\u4e9b\u8ba1\u5212\u6db5\u76d6\u9884\u9632\u6027\u62a4\u7406\u548c\u5176\u4ed6\u57fa\u672c\u533b\u7597\u4fdd\u5065\uff0c\u4f8b\u5982\uff1a<\/p>\n<ul>\n<li>\u770b\u533b\u751f<\/li>\n<li>\u7d27\u6025\u62a4\u7406<\/li>\n<li>\u4f4f\u9662<\/li>\n<li>\u5b9e\u9a8c\u5ba4\u6d4b\u8bd5<\/li>\n<li>\u5b55\u4ea7\u5987\u548c\u65b0\u751f\u513f\u62a4\u7406<\/li>\n<li>\u5fc3\u7406\u548c\u884c\u4e3a\u5065\u5eb7\u62a4\u7406<\/li>\n<li>\u513f\u79d1\u62a4\u7406<\/li>\n<li>\u5904\u65b9<\/li>\n<li>\u9884\u9632\u548c\u5065\u5eb7\u7ba1\u7406<\/li>\n<li>\u5eb7\u590d<\/li>\n<li>\u7269\u8d28\u4f7f\u7528\u969c\u788d\u6cbb\u7597<\/li>\n<\/ul>\n<p>\u79c1\u4eba\u4fdd\u9669\u8ba1\u5212\u53ef\u80fd\u8bbe\u6709\u514d\u8d54\u989d\u3001\u5171\u540c\u4fdd\u9669\u548c\u5171\u540c\u652f\u4ed8\u3002.<\/p>\n\t\t\t<a href=\"https:\/\/www.marylandhealthconnection.gov\/health-coverage\/choose-a-plan\/\" target=\"_blank\" rel=\"noopener nofollow\">\n\t\t\t\t\t\t\t\u4e86\u89e3\u8fd9\u4e9b\u8ba1\u5212\u662f\u5982\u4f55\u8fd0\u4f5c\u7684\n\t\t\t<\/a>\n\t\t<h3>\u6211\u662f\u5426\u7b26\u5408\u83b7\u5f97\u79c1\u4eba\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u7ecf\u6d4e\u63f4\u52a9\u7684\u6761\u4ef6\uff1f<\/h3>\n\t\t<p>\u867d\u7136\u53ef\u4ee5\u83b7\u5f97\u7ecf\u6d4e\u63f4\u52a9\uff0c\u4f46\u6298\u6263\u53ef\u80fd\u4e0d\u5982\u5f80\u5e74\u3002\u8054\u90a6\u653f\u5e9c\u7684\u4fdd\u9669\u50a8\u84c4\u8ba1\u5212\u5df2\u4e0d\u518d\u9002\u7528\u4e8e\u9a6c\u91cc\u5170\u5dde\u7684\u533b\u7597\u4fdd\u9669\u5e02\u573a\u3002\u53d6\u800c\u4ee3\u4e4b\u7684\u662f\uff0c\u9a6c\u91cc\u5170\u5dde\u901a\u8fc7\u201c\u9a6c\u91cc\u5170\u5dde\u4fdd\u8d39\u63f4\u52a9\u8ba1\u5212\u201d\u63d0\u4f9b\u7ecf\u6d4e\u63f4\u52a9\u3002.<\/p>\n<p>\u5982\u679c\u60a8\u7684\u6536\u5165\u4f4e\u4e8e\u8054\u90a6\u8d2b\u56f0\u7ebf\u7684 100%\uff0c\u5e76\u4e14\u7531\u4e8e\u60a8\u7684\u79fb\u6c11\u8eab\u4efd\u800c\u6ca1\u6709\u8d44\u683c\u83b7\u5f97\u533b\u7597\u8865\u52a9\uff0c\u60a8\u5c06\u4e0d\u518d\u6709\u8d44\u683c\u83b7\u5f97\u7ecf\u6d4e\u63f4\u52a9\u3002.<\/p>\n<p>\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u8fd9\u4e9b\u65b9\u6848\u4ecd\u7136\u53ef\u7528\uff0c\u4f46\u9700\u652f\u4ed8\u5168\u989d\u8d39\u7528\u3002.<\/p>\n<p>\u60a8\u53ef\u4ee5\u4f30\u7b97\u4e00\u4e0b\u8fd9\u4e9b\u65b9\u6848\u7684\u8d39\u7528\u3002.<\/p>\n\t\t\t<a href=\"https:\/\/app.marylandhealthconnection.gov\/hixui\/public\/home.html#\/getEstimate?lang=en_US&#038;firstTime=1\" target=\"_blank\" rel=\"noopener nofollow\">\n\t\t\t\t\t\t\t\u83b7\u53d6\u8d39\u7528\u4f30\u7b97\n\t\t\t<\/a>\n\t\t<h2>\u6211\u5982\u4f55\u83b7\u5f97\u4fdd\u9669\u767b\u8bb0\u65b9\u9762\u7684\u5e2e\u52a9\uff1f<\/h2>\n\t\t<p>If you have questions about Medicare or private insurance enrollment, free help is available in counties throughout Maryland. Navigators can answer questions in-person. They&#8217;ll help you find the most savings and apply for insurance.<\/p>\n<p>\u5982\u679c\u60a8\u8981\u8d2d\u4e70\u79c1\u4eba\u4fdd\u9669\uff0c\u4e5f\u53ef\u4ee5\u54a8\u8be2\u4fdd\u9669\u7ecf\u7eaa\u4eba\u3002.<\/p>\n\t\t\t<a href=\"https:\/\/www.marylandhealthconnection.gov\/find-help\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t\u5bfb\u6c42\u5e2e\u52a9\n\t\t\t<\/a>\n\t\t<h3>\u6211\u8be5\u5982\u4f55\u7533\u8bf7\uff1f<\/h3>\n\t\t<p>\u60a8\u53ef\u4ee5\u901a\u8fc7\u9a6c\u91cc\u5170\u5dde\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212\u7f51\u7ad9 (Maryland Health Connection) \u627e\u5230\u5408\u9002\u7684\u4fdd\u9669\u8ba1\u5212\u3002\u8bf7\u52a1\u5fc5\u4e86\u89e3\u8d39\u7528\u548c\u627f\u4fdd\u8303\u56f4\u3002\u540c\u65f6\uff0c\u8bf7\u786e\u8ba4\u60a8\u9009\u62e9\u7684\u8ba1\u5212\u6db5\u76d6\u60a8\u7684\u533b\u751f\u3002.<\/p>\n<p>\u5982\u679c\u60a8\u9700\u8981\u5e2e\u52a9\uff0c\u8bf7\u4f7f\u7528\u514d\u8d39\u54a8\u8be2\u670d\u52a1\u3002.<\/p>\n\t\t\t<a href=\"http:\/\/marylandhealthconnection.gov\" target=\"_blank\" rel=\"noopener nofollow\">\n\t\t\t\t\t\t\t\u7533\u8bf7\n\t\t\t<\/a>\n<figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"http:\/\/211md.org\/wp-content\/uploads\/2026\/04\/two-women-sitting-at-a-computer-looking-at-options.jpg\" alt=\"\u54a8\u8be2\u5e08\u5e2e\u52a9\u67d0\u4eba\u9009\u62e9\u8ba1\u5212\" title=\"\u4e24\u540d\u5973\u5b50\u5750\u5728\u7535\u8111\u524d\u67e5\u770b\u9009\u9879\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<\/figure>\n<figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"http:\/\/211md.org\/wp-content\/uploads\/2026\/04\/front-desk-at-medical-office-with-patient-paying-with-insurance.jpg\" alt=\"\u60a3\u8005\u652f\u4ed8\u533b\u7597\u4fdd\u5065\u8d39\u7528\" title=\"\u533b\u7597\u8bca\u6240\u524d\u53f0\uff0c\u75c5\u4eba\u4f7f\u7528\u4fdd\u9669\u652f\u4ed8\u3002\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<\/figure>\n\t<h2>\u7533\u8bf7\u533b\u7597\u4fdd\u9669\u548c\u533b\u7597\u8865\u52a9<\/h2>\n<p>Whether you apply for Medicaid or a private health insurance plan in Maryland, all applications go through Maryland Health Connection. It&#8217;s a one-stop shop.<\/p>\n\t\t<h3>\u5f00\u653e\u6ce8\u518c<\/h3>\n\t\t<p>\u9a6c\u91cc\u5170\u5dde\u672a\u53c2\u4fdd\u5c45\u6c11\u53ef\u572811\u6708\u5f00\u59cb\u7684\u5f00\u653e\u53c2\u4fdd\u671f\u5185\u7533\u8bf7\u533b\u4fdd\u3002\u533b\u4fdd\u5c06\u4e8e\u6b21\u5e741\u67081\u65e5\u751f\u6548\u3002.<\/p>\n<p>\u6709\u65f6\u6709\u00a0<a href=\"https:\/\/www.marylandhealthconnection.gov\/how-to-enroll\/special-enrollment\/\" target=\"_blank\" rel=\"noopener\">\u7279\u6b8a\u62db\u751f\u65f6\u671f<\/a> \u8fd9\u6837\u4e00\u6765\uff0c\u60a8\u53ef\u4ee5\u5728\u4e00\u5e74\u4e2d\u7684\u4efb\u4f55\u65f6\u95f4\u7533\u8bf7\u4fdd\u9669\u3002\u6b64\u5916\uff0c\u60a8\u8fd8\u53ef\u4ee5\u5728\u53d1\u751f\u7b26\u5408\u6761\u4ef6\u7684\u91cd\u5927\u751f\u6d3b\u4e8b\u4ef6\u65f6\u53c2\u4fdd\u3002.<\/p>\n<p>\u7279\u6b8a\u62a5\u540d\u671f\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\u5931\u53bb\u533b\u7597\u8865\u52a9\u6216 MCHP \u7684\u8d44\u683c<\/li>\n<li>\u7ed3\u5a5a\u6216\u79bb\u5a5a<\/li>\n<li>\u751f\u5b69\u5b50\u3001\u6536\u517b\u5b69\u5b50\u6216\u5c06\u5b69\u5b50\u9001\u53bb\u6536\u517b\u6216\u5bc4\u517b<\/li>\n<li>\u642c\u5230\u9a6c\u91cc\u5170\u5dde\uff0c\u4e00\u4e9b\u5728\u5dde\u5185\u642c\u5bb6<\/li>\n<li>COBRA \u8986\u76d6\u671f\u7ed3\u675f<\/li>\n<li>\u516c\u6c11\u8eab\u4efd\u6216\u79fb\u6c11\u8eab\u4efd\u7684\u53d8\u66f4<\/li>\n<li>\u76d1\u7981\u6216\u91ca\u653e<\/li>\n<li>\u7f8e\u6d32\u5370\u7b2c\u5b89\u4eba\/\u963f\u62c9\u65af\u52a0\u539f\u4f4f\u6c11\u8eab\u4efd\u7684\u6539\u53d8<\/li>\n<li>\u6000\u5b55\uff08\u6ce8\u610f\uff1a\u4ece\u786e\u8ba4\u6000\u5b55\u4e4b\u65e5\u8d77\uff0c\u60a8\u6709 90 \u5929\u7684\u65f6\u95f4\u53ef\u4ee5\u53c2\u52a0\u3002\uff09<\/li>\n<li>\u83b7\u5f97\u6216\u5931\u53bb\u4f9d\u8d56<\/li>\n<li>\u67d0\u4e9b\u5176\u4ed6\u533b\u7597\u4fdd\u9669\u7684\u635f\u5931\uff0c\u4f8b\u5982\u901a\u8fc7\u5de5\u4f5c\u83b7\u5f97\u7684\u4fdd\u9669\u3002<\/li>\n<li>Enrolled in your parents&#8217; plan, and you turn 26 years old<\/li>\n<\/ul>\n\t\t\t<a href=\"https:\/\/www.marylandhealthconnection.gov\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\u7533\u8bf7\n\t\t\t\t\t<\/a>\n\t<h3>\u773c\u955c\u86c7<\/h3>\n<p>\u5982\u679c\u4f60\u79bb\u804c\u524d\u901a\u8fc7\u96c7\u4e3b\u4eab\u6709\u533b\u7597\u4fdd\u9669\uff0c\u90a3\u4e48\u79bb\u804c\u540e\u4f60\u6216\u8bb8\u53ef\u4ee5\u6682\u65f6\u4fdd\u7559\u4f60\u7684\u533b\u7597\u4fdd\u9669\u3002.<\/p>\n<p>\u5982\u679c\u60a8\u5728\u5de5\u4f5c\u7684\u6700\u540e\u4e00\u5929\u540e 60 \u5929\u5185\u7533\u8bf7\uff0c\u5219\u7efc\u5408\u7efc\u5408\u9884\u7b97\u8c03\u8282\u6cd5 (COBRA) \u63d0\u4f9b\u6709\u9650\u671f\u9650\u7684\u4fdd\u9669\u3002\u4f46\u662f\uff0c\u8d39\u7387\u53ef\u80fd\u4f1a\u6bd4\u60a8\u53d7\u96c7\u671f\u95f4\u652f\u4ed8\u7684\u8d39\u7528\u6709\u6240\u589e\u52a0\u3002<\/p>\n\t\t<h2>\u533b\u7597\u4fdd\u9669\u798f\u5229<\/h2>\n<p>\u5982\u679c\u60a8\u5e74\u6ee1 65 \u5c81\u6216\u4ee5\u4e0a\uff0c\u6216\u8005\u60a3\u6709\u67d0\u79cd\u6b8b\u75be\u4f46\u672a\u6ee1 65 \u5c81\uff0c\u6216\u8005\u60a3\u6709\u7ec8\u672b\u671f\u80be\u75c5 (ESRD)\uff0c\u60a8\u53ef\u80fd\u6709\u8d44\u683c\u4eab\u53d7\u533b\u7597\u4fdd\u9669\u3002.<\/p>\n<p>\u516c\u5f00\u62db\u751f\u53d1\u751f\u5728\u6bcf\u5e74\u79cb\u5b63\u7684\u6307\u5b9a\u65e5\u671f\u3002<\/p>\n<p>\u5728 Medicare \u516c\u5f00\u6ce8\u518c\u671f\u95f4\uff0c\u60a8\u6709\u673a\u4f1a\u5ba1\u67e5\u60a8\u7684\u8ba1\u5212\u3001\u8d2d\u4e70\u65b0\u7684\u627f\u4fdd\u8303\u56f4\u5e76\u786e\u4fdd\u60a8\u7684\u798f\u5229\u662f\u6765\u5e74\u7684\u6700\u4f73\u798f\u5229\u3002<\/p>\n<p>\u4e86\u89e3\u66f4\u591a\u5173\u4e8e\u533b\u7597\u4fdd\u9669\u9009\u9879\u548c\u8d39\u7528\u7684\u4fe1\u606f\u3002.<\/p>\n\t\t\t<a href=\"https:\/\/www.medicare.gov\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\u533b\u7597\u4fdd\u9669\u9009\u9879\n\t\t\t\t\t<\/a>\n\t\t<h3>SHIP \u53ef\u4ee5\u5e2e\u52a9\u60a8\u627e\u5230\u6700\u4f73\u65b9\u6848<\/h3>\n<p>\u5982\u679c\u60a8\u9700\u8981\u5e2e\u52a9\u627e\u5230\u6700\u9002\u5408\u60a8\u9700\u6c42\u7684\u8ba1\u5212\uff0c\u8bf7\u8054\u7cfb\u5dde\u5065\u5eb7\u4fdd\u9669\u63f4\u52a9\u8ba1\u5212 (SHIP) \u987e\u95ee\u3002.<\/p>\n<p>\u4ed6\u4eec\u53ef\u4ee5\u5e2e\u52a9\u60a8\u4e86\u89e3\u8d39\u7528\u548c\u627f\u4fdd\u8303\u56f4\uff0c\u6bd4\u8f83\u5404\u79cd\u65b9\u6848\uff0c\u6ce8\u518c\u6216\u66f4\u6539\u8ba1\u5212\uff0c\u4ee5\u53ca\u7ea0\u6b63\u8d26\u5355\u95ee\u9898\u3002.<\/p>\n<p>\u7ecf\u8fc7\u57f9\u8bad\u7684\u5fd7\u613f\u8f85\u5bfc\u5458\u53ef\u4ee5\u5728\u9a6c\u91cc\u5170\u5dde\u548c\u5df4\u5c14\u7684\u6469\u5e02\u7684\u5404\u53bf\u63d0\u4f9b\u514d\u8d39\u5e2e\u52a9\u3002<\/p>\n\t\t\t<a href=\"https:\/\/aging.maryland.gov\/Pages\/state-health-insurance-program.aspx?fbclid=IwAR1Haustinh1z0yqeLGZi8DOuylIjQRGebVGnXwBiICmVlgOYkCbq92SYtY\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\u5bfb\u627eSHIP\u8f85\u5bfc\u5458\n\t\t\t\t\t<\/a>\n\t\t<figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<a href=\"https:\/\/search.211md.org\/\" target=\"_blank\" rel=\"noopener\" itemprop=\"url\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/stg-maryland211-staging.kinsta.cloud\/wp-content\/uploads\/2025\/08\/2025_MdInfoNet_Icon-Sets-white_Locate.png\" alt=\"\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t\t<\/a>\n\t<\/figure>\n<h2><a href=\"https:\/\/search.211md.org\/\" target=\"_blank\" rel=\"noopener\">\u7acb\u5373\u67e5\u627e\u8d44\u6e90<\/a><\/h2><p>\u5bfb\u627e <strong>\u793e\u533a\u8d44\u6e90 <\/strong>\u5728\u6211\u4eec\u7684\u6570\u636e\u5e93\u4e2d\u67e5\u627e\u98df\u54c1\u3001\u533b\u7597\u4fdd\u5065\u3001\u4f4f\u623f\u7b49\u4fe1\u606f\u3002\u6309\u90ae\u653f\u7f16\u7801\u641c\u7d22\u3002<\/p>\n\t\t\t<a href=\"https:\/\/search.211md.org\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t\u9a6c\u4e0a\u641c\u7d22\n\t\t\t<\/a>\n\t\t<h2>\u7259\u79d1\u4fdd\u9669<\/h2>\n<p>\u867d\u7136\u901a\u8fc7 Medicaid \u548c MCHP \u4e3a\u513f\u7ae5\u548c\u5b55\u5987\u63d0\u4f9b\u514d\u8d39\u7684\u7259\u79d1\u4fdd\u9669\uff0c\u4f46\u5176\u4ed6\u6ca1\u6709\u4fdd\u9669\u7684\u4eba\u53ef\u80fd\u9700\u8981\u4ece Maryland Health Connection \u8d2d\u4e70\u5355\u72ec\u7684\u7259\u79d1\u4fdd\u9669\u8ba1\u5212\u3002.<\/p>\n<p><a href=\"https:\/\/www.marylandhealthconnection.gov\/health-coverage\/dental-plans\/\" target=\"_blank\" rel=\"noopener\">\u4e86\u89e3\u6709\u5173\u7259\u79d1\u8ba1\u5212\u9009\u9879\u7684\u66f4\u591a\u4fe1\u606f\u00a0<\/a>\u6765\u81ea\u9a6c\u91cc\u5170\u5dde\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212 (Maryland Health Connection)\u3002\u60a8\u53ef\u4ee5\u5728\u5f00\u653e\u6ce8\u518c\u671f\u95f4\u7533\u8bf7\u798f\u5229\u3002.<\/p>\n<h3>\u514d\u8d39\u548c\u4f4e\u4ef7\u7259\u79d1\u8bca\u6240<\/h3>\n<p>\u5982\u679c\u4f60\u6ca1\u6709\u7259\u79d1\u4fdd\u9669\uff0c\u9a6c\u91cc\u5170\u5dde\u5404\u5730\u90fd\u6709\u514d\u8d39\u6216\u4f4e\u4ef7\u7684\u7259\u79d1\u8bca\u6240\u3002.<\/p>\n\t\t\t<a href=\"\/zh\/%e8%b5%84%e6%ba%90\/%e5%8d%ab%e7%94%9f%e4%bf%9d%e5%81%a5\/%e7%89%99%e9%bd%bf%e4%bf%9d%e5%81%a5\/\"  target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\u5bfb\u627e\u514d\u8d39\u6216\u4f4e\u4ef7\u7684\u7259\u79d1\u8bca\u6240\n\t\t\t\t\t<\/a>\n<figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"http:\/\/211md.org\/wp-content\/uploads\/2025\/11\/Dentist-showing-patient-xrays-of-tooth-at-dental-clinic.jpg\" alt=\"\u7259\u533b\u8bca\u6240\u7684X\u5149\u7247\" title=\"\u7259\u533b\u5728\u7259\u79d1\u8bca\u6240\u5411\u60a3\u8005\u5c55\u793a\u7259\u9f7fX\u5149\u7247\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<\/figure>\n<h2>\n\t\t\t\u66f4\u591a\u5065\u5eb7\u76f8\u5173\u4fe1\u606f\t<\/h2>\n\t\t<h4><a href=\"\/zh\/%e8%b5%84%e6%ba%90\/%e8%80%81%e5%8c%96%e6%ae%8b%e7%96%be\/?utm_source=Home&#038;utm_medium=Referral&#038;utm_campaign=211Resources&#038;utm_content=Aging\" target=\"_self\">\u8870\u8001\u4e0e\u6b8b\u75be<\/a><\/h4><figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<a href=\"\/zh\/%e8%b5%84%e6%ba%90\/%e8%80%81%e5%8c%96%e6%ae%8b%e7%96%be\/?utm_source=Home&#038;utm_medium=Referral&#038;utm_campaign=211Resources&#038;utm_content=Aging\"  target=\"_self\" itemprop=\"url\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/uploads\/bb-plugin\/cache\/2025_MdInfoNet_Icon-Sets_Aging-disability-square-c466727102cae71e5f27b8539bb51945-.png\" alt=\"\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t\t<\/a>\n\t<\/figure>\n\t\t<h4><a href=\"\/zh\/%e8%b5%84%e6%ba%90\/%e5%84%bf%e7%ab%a5%e5%ae%b6%e5%ba%ad\/?utm_source=Home&#038;utm_medium=Referral&#038;utm_campaign=211Resources&#038;utm_content=Children\" target=\"_self\">\u513f\u7ae5\u4e0e\u5bb6\u5ead<\/a><\/h4><figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<a href=\"\/zh\/%e8%b5%84%e6%ba%90\/%e5%84%bf%e7%ab%a5%e5%ae%b6%e5%ba%ad\/?utm_source=Home&#038;utm_medium=Referral&#038;utm_campaign=211Resources&#038;utm_content=Children\"  target=\"_self\" itemprop=\"url\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/uploads\/bb-plugin\/cache\/2025_211_Icon-Sets_Child-care-square-f3b0d4edab3dcc467fadb5f55f4064c6-.png\" alt=\"\u513f\u7ae5\u4fdd\u80b2\u4e2d\u7684\u7236\u6bcd\u548c\u5b69\u5b50\u56fe\u6807\" height=\"417\" width=\"417\" title=\"2025_211_\u56fe\u6807\u96c6_\u513f\u7ae5\u4fdd\u80b2\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t\t<\/a>\n\t<\/figure>\n\t\t<h4><a href=\"\/zh\/%e8%b5%84%e6%ba%90\/%e5%ae%b6%e5%ba%ad%e6%9a%b4%e5%8a%9b\/?utm_source=Home&#038;utm_medium=Referral&#038;utm_campaign=211Resources&#038;utm_content=Domestic\" target=\"_self\">\u5bb6\u5ead\u66b4\u529b<\/a><\/h4><figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<a href=\"\/zh\/%e8%b5%84%e6%ba%90\/%e5%ae%b6%e5%ba%ad%e6%9a%b4%e5%8a%9b\/?utm_source=Home&#038;utm_medium=Referral&#038;utm_campaign=211Resources&#038;utm_content=Domestic\"  target=\"_self\" itemprop=\"url\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/uploads\/bb-plugin\/cache\/2025_211_Icon-Sets_Domestic-Violence-square-7b597694a6f05fe90cdc376aa573bc63-.png\" alt=\"\u4e2d\u95f4\u6709\u5fc3\u5f62\u56fe\u6848\u7684\u623f\u5b50\u56fe\u6807\" height=\"417\" width=\"417\" title=\"2025_211_\u56fe\u6807\u96c6_\u5bb6\u5ead\u66b4\u529b\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t\t<\/a>\n\t<\/figure>\n\t\t<h4><a href=\"\/zh\/%e8%b5%84%e6%ba%90\/%e6%b1%82%e8%81%8c\/?utm_source=Home&#038;utm_medium=Referral&#038;utm_campaign=211Resources&#038;utm_content=Employment\" target=\"_self\">\u5c31\u4e1a<\/a><\/h4><figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<a href=\"\/zh\/%e8%b5%84%e6%ba%90\/%e6%b1%82%e8%81%8c\/?utm_source=Home&#038;utm_medium=Referral&#038;utm_campaign=211Resources&#038;utm_content=Employment\"  target=\"_self\" itemprop=\"url\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/uploads\/bb-plugin\/cache\/2025_MdInfoNet_Icon-Sets_Employment-square-44707bd410e4df10a470bf130ebcea86-.png\" alt=\"\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t\t<\/a>\n\t<\/figure>\n\t\t<h4><a 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