Every year from October to December, seniors need to sign up for the next year’s Medicare Advantage plan … or stay with the same one. Sometimes the choices are difficult. This year it will be even harder, due to changes that have been made to the plans.

In the past, if you needed a wheelchair ramp to get in and out of your house, the expense for that was on you. Medicare would, of course, pay for surgery and a hospital stay if you fell down the stairs trying to get out of the house because you had no ramp, but

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