医疗健保选择

Yin Yang

(Editor's note: Yin Yang has served as a board member of ACA since 2024 and is currently the secretary for 2025.​ )

​在华人家庭中，子女教育往往被视为重中之重，因此“子女教育”话题常常成为各大论坛的热门讨论内容，许多讲座也聚焦于升学问题。此外，我们也习惯于三代同堂，共同承担孩子的教育责任。然而，孩子终有一天会长大，而父母和祖父母也会步入老年，届时，医疗需求将日益增加。

然而美国的医疗保险体系，尤其是针对老年人的保险选择相当复杂。鉴于社区对这一领域的关注，圣地亚哥华人联盟（Alliance of the Chinese Americans, ACA）特别邀请了认证的Medicare专家Janet Li，为大家带来一场专业的医疗保险公益讲座。Janet不仅是一名资深医疗保险专家，同时也在照顾自己的父母和公婆，她对老年医疗保险有着深入的研究和实践经验。
2月22日，ACA成功举办了这场公益讲座，吸引了约80位华人参与。图书馆座无虚席, 有很多听众只能站在后面. 与会者既有不熟悉英语的老年人，也有负责照顾他们的子女，以及即将符合Medicare申请资格的社区成员。

在讲座中，Janet详细讲解了老年人常见的保险类型，并提供了选择合适保险的实用指南。她深入解释了Medi-Cal（加州健保或称白卡）和Medicare（联邦保险或称红蓝卡）的保障范围、申请流程，以及申请与使用时需要了解的注意事项。与会者纷纷表示收获颇丰，认为讲座内容极具实用价值。
Rui女士在照顾父母的过程中对医疗保险颇感困惑，她表示：“今天收获非常大！感谢Janet深入浅出地讲解，让如此复杂的保险政策变得清晰易懂。”
Zoe女士也分享道：“Janet非常专业、细致且富有耐心，让我们受益匪浅。”
在讲座结束后的调查问卷中，许多与会者表达了希望ACA未来能举办更多类似讲座的期待。他们希望能有专家讲解老年人居住选择，例如家庭护理、老人公寓或养老院的利弊比较，同时也希望获得更多圣地亚哥老年人活动和资源的信息。
此次讲座的成功举办让ACA深感欣慰. 未来ACA也将持续努力，为华语老年群体提供更多有价值的资讯和帮助。

In Chinese families, children's education is often regarded as a top priority. As a result, topics related to "children’s education" frequently dominate online forums, and many seminars focus on academic advancement. Additionally, it is common for three generations to work together to educate and raise children. However, children will eventually grow up, and parents and grandparents will also age, at which point healthcare needs will become increasingly important.

However, the U.S. healthcare insurance system, especially Medicare for seniors, is highly complex. Recognizing the community’s need for guidance in this area, the Alliance of the Chinese Americans (ACA) in San Diego specially invited Janet Li, a certified Medicare expert, to share her insights in a public seminar. In addition to being an experienced Medicare specialist, Janet cares for her parents and in-laws, giving her much expertise in senior healthcare insurance.

​On February 22, 2025, ACA successfully hosted this informative seminar, which attracted more than eighty Chinese community members. The attendees included many elderly individuals who do not speak English, their caregivers, and community members who are approaching Medicare eligibility.

During the seminar, Janet detailed common insurance options for seniors and offered practical guidance on choosing the right plan. She thoroughly discussed Medi-Cal and Medicare coverage, explained the application process, and highlighted important considerations when applying for and using these benefits. Attendees found her presentation extremely helpful and informative.
Ms. Rui Z, who cares for her aging parents, shared that: “I learned so much today! Thanks to Janet for explaining such a complicated insurance system in such a clear and accessible way.”

Ms. Zoe Z commented, “Janet is very professional, thorough, and patient. We truly benefited from her expertise.”
In post-event surveys, many attendees expressed their hope that ACA would organize more similar seminars in the future. They were particularly interested in discussions on senior living options, such as in-home care versus assisted-living or nursing homes. Additionally, they hoped to receive more information about resources and activities available for seniors in San Diego.

​The success of this seminar was a great encouragement for ACA. Moving forward, ACA remains committed to providing valuable information and support to the Chinese-speaking senior community.