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Social Security 2009 COLA Helps, But People with Disabilities Will Still Struggle, Says Allsup
Date:10/16/2008

t-of-pocket expenses.

Medicare Advantage plans, on the other hand, combine basic traditional Medicare coverage with the added security of having supplemental insurance. Many of the available plans also provide prescription drug coverage and offer other services, such as vision and dental care, which are not part of traditional Medicare. At the same time, a participant's overall out-of-pocket costs tend to be much lower under a Medicare Advantage plan. Meanwhile, pre-existing conditions are generally not an issue when enrolling in a Medicare Advantage plan, so almost anyone eligible for Medicare can benefit from such plans.

"When you are on a fixed income, one of the most important things is minimizing unexpected costs," said Gada. "So it's important to look for health insurance that can provide the coverage you need while minimizing surprises."

Allsup provides online resources and a comprehensive service for comparing Medicare and Medicare Advantage programs. Some individuals may qualify for state-run Medicare Savings Programs for people with limited income and resources as well as drug assistance programs run by pharmaceutical companies.

Additional Resources for Controlling Costs

For individuals finding it difficult to make ends meet, Gada urges them to seek out financial assistance programs. This includes fede
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