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Claire’s youngest sister, Nicole, lives in another state and is considering moving to live near Paul and Christine to help take care of Claire. Nicole is a widow aged 67 and on a Medicare Advantage plan that is only available in the state where Nicole currently lives. Nicole is visiting the Kelly family and called you to find out what her options would with Medicare if she moved to be near the Kellys. Nicole is in good health. The past twelve months she only saw her primary care provider for an annual physical and to get vaccinations to prevent pneumonia and the flu. She did have to stop jogging because of arthritis in both knees but has been going to a gym at least three times a week for exercise classes offered for people having the Silver Sneaker pass. Nicole does not have any long-term care insurance. Jessica, one of Nicole’s friends, recently had a stroke and required skilled nursing care. The friend had traditional Medicare and a Medigap Plan F. Nicole was impressed that Jessica did not have any out-of-pocket cost for the hospitalization or during the 100 days of skilled nursing care. The Medicare Advantage plan that Nicole
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