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A considerable number of senior citizens in the US rely on government-backed programs to receive proper healthcare and have their back, especially during difficult times. According to several surveys, approximately 16 million adults in the US are currently going through medical debt and owe more than $10,000.

Medical debt isn’t limited to a certain group of people but equally affects people across all demographics. People suffering from chronic ailments or disabilities are more vulnerable to facing excessive medical expenses and often end up bankrupt due to the rising healthcare costs.

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A Quick Guide on Medicare Options Available in Rhode Island

Every person who is enrolling themselves in the Medicare program must choose between one of the two different ways to receive benefits from Medicare.

Original Medicare

The Original Medicare, also known as the traditional Medicare, is a popular fee-for-service program that is offered through the federal government. This healthcare plan covers acute care medical treatments and consists of two parts; Part A and Part B.

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Medicare Part D

If your base health insurance plan does not provide drug coverage, you have the option to sign up for a separate drug plan called Medicare Part D. Like other health insurance plans; this program also charges a monthly premium, an annual deductible, and other out-of-pocket expenses.

All drug plans vary in terms of premiums, the pharmacies you can use, and the formulary. It’s important to choose a drug plan that includes all the prescription medication that you require.

The costs of Part D vary depending on the plan you opt for.

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Medigap – Supplemental Healthcare

Medigap or Medicare Supplement plans are a secondary healthcare program that is funded by private insurance agencies to help cover the gaps in the Original Medicare plans.

Each policy in this program is labeled from A to N. To qualify for Medigap:

  • The individual must be 65 years old or older
  • If younger, they must have been diagnosed with amyotrophic lateral sclerosis (ALS)
  • Have been receiving disability benefits from Social Security or the Railroad Retirement Board
  • Have been diagnosed with end-stage renal disease(ESRD)

Medigap provides all the basic benefits of Original Medicare, including coverage for Medicare Part A and Part B coinsurances, hospice care copayments and coinsurances, Medicare preventive care deductibles, and the first three pints of blood.

Other additional benefits include skilled nursing facility care deductibles, Part B excess charges, out-of-pocket yearly limit, and foreign travel emergency coverage.

Medigap insurers set their premiums in three ways.

Issue Age Rating

This approach for calculating premiums depends on the enrollee’s age and is less costly for younger subscribers. The overall costs are never affected due to the person’s age.

Attained-Age Rating

In this method, the premiums are cheaper for younger individuals. Many insurers tend to use this approach unless mandated to do otherwise.

Community Rating

Eight states in the US have mandated this approach, and premiums are unaffected by the enrollee’s age.

When signing up for a health insurance plan, many senior citizens tend to feel intimidated by the lengthy process of signing up for Medicare. There are various options to choose from, and finding one that meets all of your needs and requirements can be very difficult. This is why our Medicare insurance agents are here to help you find sturdy healthcare policies at the most reasonable rates.

With our deep knowledge and extensive experience in the insurance industry, we can help you streamline the well-rounded insurance plans that will provide you with ample coverage.

To learn more about the different Medicare options available in Rhode Island, don’t forget to go through our resources and learn the step-by-step process of signing up for Medicare.

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Comparing Medicare Plans in Rhode Island

Here are some factors you should consider before signing up for Medicare.

Provider Network

If you’re trying to prevent any extra medical expenses, try to opt for in-network healthcare providers rather than out-of-network ones. Medicare plans do not include higher charges and premiums for in-network hospitals and physicians, and this can save you from a huge financial burden.

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Extra Benefits

Most Medicare Advantage plans provide additional benefits to their beneficiaries that the Original Medicare does not cover.

Try to note down any benefits that are crucial for your health. You might require vision benefits, hearing benefits, dental services, etc. Medicare Advantage plans often provide tailored benefits to meet the specific needs of individuals with chronic illnesses.

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Why Partner with Medicare Insurance Agents at Integrity Now Insurance Agents?

Our team of Medicare Insurance agents is a certified team of highly qualified insurance agents who have years of experience in providing comprehensive health insurance plans to senior citizens and youth with disabilities all over the US.

With our assistance, countless of our clients in Rhode Island have received efficient healthcare coverage plans provided by premium Medicare insurance providers at the most competitive rates. We assure you that your health is our priority. With our AHIP-certified insurance agents, you never have to worry about excessive medical treatment bills again.

Let’s schedule a call today and book a one-on-one consultation with our reliable Medicare insurance agents, and we will help you compare quotes and walk you through the intimidating process of signing up for Medicare.

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