Ryder System Employees: Navigating the Essentials of Medicare Advantage Plans for Your Retirement Health Needs

Healthcare Provider Update: Healthcare Provider for Ryder System Ryder System primarily partners with major health insurers to provide healthcare benefits to its employees. The specific providers and networks may vary by location and employee plan selection, but generally, companies like UnitedHealthcare, Anthem, and others are typically involved in providing health coverage options for employees. Potential Healthcare Cost Increases in 2026 for Ryder System Employees As healthcare costs escalate in 2026, employees of Ryder System may face increased out-of-pocket expenses due to anticipated changes in their benefit plans. A perfect storm of factors, including a loss of enhanced ACA subsidies, rising medical costs, and significant premium hikes-some states reporting increases over 60%-is likely to push employer-sponsored plan costs higher. With over half of large employers considering adjustments to cost-sharing measures, Ryder System employees are advised to stay informed about benefit changes and actively manage their healthcare plan selections to navigate these financial challenges effectively. Click here to learn more

Medicare Advantage, sometimes known as “Part C,” is something of a catch-all choice for Ryder System employees who are ready to sign up for Medicare. Medicare Advantage plans are offered by private insurers in conjunction with the Medicare program and can provide you with additional health insurance coverage.

What’s in them?
In addition to signing up for Medicare Part A (hospital stays) and Part B (medical coverage), Medicare Advantage plans offer their subscribers extra features. This frequently, but not always, includes the Medicare Part D prescription drug plan. In some cases, Medicare Advantage plans offer coverage for areas not normally offered within regular Medicare plans. This can include dental, hearing, and vision insurance.

What are the rules?
Medicare pays for a fixed amount of your health care to Ryder System offering your Medicare Advantage (MA) plan. Beyond that, each MA plan requires different out-of-pocket fees. Those fees can vary from plan to plan. Depending on your plan, you may have different rules you need to follow when seeking a medical referral to get treatment from a specialist or if you are seeking non-urgent care (even from health care providers within the plan). It’s also important to remember that rules, requirements, and features may change from year to year. It will be important to make sure that those changes line up with any treatment that you need.

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What about my prescriptions?
While most MA plans offer Part D coverage for prescription drugs, some don’t. One example would be Medicare Medical Savings Account plans. In cases where the plan can’t or chooses not to offer prescription drug coverage, you may have the ability to join a separate Medicare Prescription Drug Plan, depending on the type of plan you enroll in. You will likely have a number of questions and concerns as you examine your options for Medicare Advantage plans. Discuss these with a trusted financial professional who can help you make choices that may best fit your lifestyle.

1. Medicare.gov, 2022