Which CCA Health Rhode Island Medicare Plan is right for me?
October 1, 2022
Living Well at Home
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Choosing a Medicare Advantage plan is not a decision you make lightly. It’s important to carefully consider your options and make a choice based on your needs and budget. We would like to guide you through the decision-making process as we explore the three plan options offered by CCA health Rhode Island.
Step 1: Determine your eligibility
If you have Medicare and Medicaid, you are eligible for CCA Medicare Maximum (HMO D-SNP). This plan provides all the coverage of Medicaid and Medicare, plus more benefits at no cost to you. See the chart below for benefit details.
If you are eligible for Medicare only, you qualify for CCA Medicare Preferred (PPO) or CCA Medicare Value (PPO). Both of these plans provide “all-in-one” coverage at affordable monthly plan payments.
To qualify for any of these plans, you must live in the state of Rhode Island.
Step 2: Consider your healthcare needs and budget
Our Medicare Advantage plans vary in price and in the benefits they offer. When choosing a plan, you should take into account two factors: what it covers and what it costs.
CCA Medicare Preferred offers a wide range of benefits for $0 a month. When you sign up, you get all the coverage of Medicare. Plus routine dental services, prescription drugs, help with over-the-counter products, and more.
CCA Medicare Value offers all the same benefits as CCA Medicare Preferred. But it also includes additional benefits and greater savings for some services. In exchange, you pay a low monthly plan payment of $29. If you qualify for the Extra Help program, you may even pay less.
If you qualify for a D-SNP plan, CCA Medicare Maximum offers the most robust benefits of all our plans. Benefits include all the coverage of Medicaid, Medicare, and more—for $0 a month.
We’ll look at the benefits of these plans in more detail in the next step.
Step 3: Review and compare plan benefits
CCA Health Medicare Maximum
If you have Medicare and Medicaid, see how our CCA Medicare Maximum plan provides extra benefits atno cost to you:
| Benefits | CCA Medicare Maximum |
| Monthly plan payment | $0 a month |
| Primary care co-pay | $0 and a $25 reward after your annual wellness visit |
| Prescription drugs and over-the-counter drugs | $0 |
| Dental, vision, and hearing | $0 for routine dental services, including implants, plus annual hearing and eye exams with up to $300 per year for eyewear and $4,000 per year for hearing aids |
| Identity theft protection | Covered |
| Healthy $avings card | Up to $2,700 a year for over-the-counter health products and approved food1 |
| Transportation | 50 one-way medical and non-medical rides per year2 |
CCA Health Medicare Preferred and CCA Medicare Value
Each of our Medicare Advantage plans covers medical costs, prescription drugs, dental, vision, and hearing. But there are some differences. Keeping in mind your needs and budget, take a look at this chart for a handy side-by-side comparison of our Medicare Advantage plans:
| Benefits | CCA Health Medicare Preferred | CCA Health Medicare Value |
| Monthly plan payment4 | $0 a month3 | $29 a month or less if you qualify for Extra Help |
| Primary care copay | $0 and a $25 reward after your annual wellness visit | $0 and a $25 reward after your annual wellness visit |
| Lab Services copay | $0 | $0 |
| Prescription drugs4 | $0 for Tier 1 preferred generic drugs | $0 |
| Dental, vision, and hearing | $0 for routine dental services, including implants, plus annual hearing and eye exams with up to $290 per year for eyewear | $0 for routine dental services, including implants, plus annual hearing and eye exams with up to $300 per year for eyewear |
| Identity theft protection | Not covered | $0 |
| Healthy $avings card1 | Up to $480 a year for over-the-counter health products and approved food | Up to $420 a year for over-the-counter health products and approved food |
| Transportation | 12 one-way rides per year for medical appointments | 24 one-way rides per year for medical appointments |
| Meals | 14 meals (7 days) covered after hospital discharge | 14 meals (7 days) covered after hospital discharge |
Important Considerations
As we noted earlier, you should weigh cost vs. coverage and determine what is most important to you in a health plan. For instance, if you don’t want to pay a monthly premium, CCA Medicare Preferred is a wise choice. If you want or need additional benefits, you may want to consider CCA Medicare Value. These benefits include identity theft protection and transportation services. Also note: If you qualify for Extra Help, your monthly premium for the CCA Medicare Value plan may be lower.
Step 4: Talk to us if you’d like more help
At CCA, we know that choosing the right health plan can make a big difference to your peace of mind as well as your financial well-being. We want you to know that we’re here to help you explore your options and make that important decision.
If you would like help in deciding which is the best plan for you, call 855-210-1815 (TTY: 711) to speak to a CCA representative.
1 Certain restrictions may apply. Only at participating locations.
2 Rides to medical appointments are available through Medicaid.
3 You may need to continue to pay your Medicare Part B premium.
4 If you qualify for Extra Help, your costs may be lower.
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