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Private health insurance premiums have become so expensive that more and more Americans who reach the age of 65 are depending on government subsidized health management such as Medicare and Medicaid. Dually eligible senior citizens, however, still have to contend with the coverage gaps that have become wider because of rising medical costs. In response, Congress passed the Medicare Prescription Drug, Modernization and Improvement Act (MMA) in 2003 in an effort to provide viable options for acceptable levels of health care. Medicare Advantage plans fall under the provisions of Plan C, although Medicare Advantage plans may or may not cover prescription drugs. However, in principle it does provide extended benefits and have smaller out-of-pocket expenses than typically occurs with the original Medicare system.
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General conditions for enrolling in a particular Medicare Advantage plan are:
Rhode Island, with 24 Medicare Advantage plans approved by Medicare, has fewer choices in terms of Medicare Advantage plans available in all or some areas of the state compared to other states (New York has at least 86). However, at least three:
These are Medicare Advantage plans with prescribed drug coverage* with no monthly premiums required.
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AARP
Advantra
Aetna
Blue Cross
Evercare
Fresenius Medical Care Health Plan
Humana
UniCare
SecureHorizons
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* You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:
1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;
The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office
Dental or vision options can be added to your
coverage.
Living longer means paying more for health care.
A woman who retires at 65 can expect to maintain her health until the age of 84, on average.2
Men who expect high health costs after they turn 65 end up retiring – on average – 13 months later than those who don't.3