10-04-2026, 09:52 PM
Medicare 藥費分期選項：攤分全年付款，不代表藥價減免
Medicare Prescription Payment Plan 是現有 Medicare 藥物計劃提供的自願付款選項，也適用於附藥物保障的 Medicare Advantage。它把受保藥物的自付費用分攤於一月至十二月，參加本身不收費，但不會降低藥價或替你節省藥費。
參加後，藥費改由保險計劃按月寄帳單，取代在藥房支付該筆自付費用；原有計劃保費仍須繳付。先向自己的計劃詢問帳單計算及加入方式，再判斷是否有助現金流，不要把分期付款與收入審查的藥費補助混為一談。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.medicare.gov/prescription-payment-plan
English
Medicare Prescription Payment Plan: spread payments without mistaking it for a discount
The Medicare Prescription Payment Plan is a voluntary payment option offered by Medicare drug plans, including Medicare Advantage plans with drug coverage. It spreads covered prescription out-of-pocket costs across January through December. Participation has no fee, but it does not reduce drug costs or save money.
Participants receive a monthly drug bill from their plan instead of paying those costs at the pharmacy. Any regular plan premium still applies. Ask your current plan how bills are calculated and how to join, then assess the cash-flow benefit. This payment arrangement is different from income-based prescription assistance.
Original publication date not established. Checked October 4, 2026. Official source: https://www.medicare.gov/prescription-payment-plan
![[Image: 960px-Taking_it_back%2C_Help_prevent_pre...12-001.jpg]](https://upload.wikimedia.org/wikipedia/commons/thumb/0/0b/Taking_it_back%2C_Help_prevent_prescription_abuse_150820-D-RT812-001.jpg/960px-Taking_it_back%2C_Help_prevent_prescription_abuse_150820-D-RT812-001.jpg)
Christine Cabalo / U.S. Marine Corps · Public domain · 2015-08-20，夏威夷資料照片；非文中計劃藥物、藥房或現時療程 / Hawaii archive photograph; not the program’s medication, pharmacy or a current treatment regimen. 圖片來源 / Image source: https://commons.wikimedia.org/wiki/File:...12-001.jpg
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來源 / Source: Medicare.gov
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
Medicare Prescription Payment Plan 是現有 Medicare 藥物計劃提供的自願付款選項，也適用於附藥物保障的 Medicare Advantage。它把受保藥物的自付費用分攤於一月至十二月，參加本身不收費，但不會降低藥價或替你節省藥費。
參加後，藥費改由保險計劃按月寄帳單，取代在藥房支付該筆自付費用；原有計劃保費仍須繳付。先向自己的計劃詢問帳單計算及加入方式，再判斷是否有助現金流，不要把分期付款與收入審查的藥費補助混為一談。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.medicare.gov/prescription-payment-plan
English
Medicare Prescription Payment Plan: spread payments without mistaking it for a discount
The Medicare Prescription Payment Plan is a voluntary payment option offered by Medicare drug plans, including Medicare Advantage plans with drug coverage. It spreads covered prescription out-of-pocket costs across January through December. Participation has no fee, but it does not reduce drug costs or save money.
Participants receive a monthly drug bill from their plan instead of paying those costs at the pharmacy. Any regular plan premium still applies. Ask your current plan how bills are calculated and how to join, then assess the cash-flow benefit. This payment arrangement is different from income-based prescription assistance.
Original publication date not established. Checked October 4, 2026. Official source: https://www.medicare.gov/prescription-payment-plan
Christine Cabalo / U.S. Marine Corps · Public domain · 2015-08-20，夏威夷資料照片；非文中計劃藥物、藥房或現時療程 / Hawaii archive photograph; not the program’s medication, pharmacy or a current treatment regimen. 圖片來源 / Image source: https://commons.wikimedia.org/wiki/File:...12-001.jpg
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來源 / Source: Medicare.gov
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.