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If you are approaching age 65, you may be starting to think about the government benefits you will soon qualify for. For example, your healthcare option to elect between Original Medicare or a Medicare Advantage plan. What’s the difference? Original Medicare comes in two parts: Part A and Part B. Part A covers a portion of hospitalization expenses, and Part B applies to doctor visits and medical expenses, such as lab tests and some preventative screenings. A Medicare Advantage plan, also known as Part C, is an “all-in-one” alternative to Original Medicare. These “bundled” plans include the benefits of Part A, Part B and Part D (prescription drugs). Some people choose a Medicare Advantage Plans over Original Medicare because these plans offer coverage like vision, hearing, dental and more. Saves You Money First and foremost, Medicare Advantage Plans save Medicare members money –and not just a little bit of money, but a lot of money. Original Medicare only pays 80% of the cost of medical care – the Medicare beneficiary is responsible for the other 20%. A Medicare Advantage Plan is different. The Medicare Beneficiary is only responsible for a small copay, typically less than 20% of a doctor visit or procedure. More importantly, Medicare Advantage Plans have a maximum out-of-pocket amount, meaning that once you reach the limit, the Plan pays 100% of all medical services. That alone can save thousands of dollars per year – particularly if there is a hospitalization involved. Dental, Vision and Hearing Coverage What sets Medicare Advantage plans apart is the additional benefits provided that Original Medicare doesn’t cover. These benefits include dental coverage, vision coverage, hearing exams and hearing aid coverage. None of these important health care benefits are included in Original Medicare. Also, most Medicare Advantage Plans include prescription drug coverage at no additional cost, while individuals with Original Medicare need to sign-up and pay extra for Part D prescription drug coverage. Medicare Advantage Plans offer more benefits than Original Medicare and they help members save on their health care costs. Focus on Accessibility, Wellness and Preventative Health Accessible healthcare coverage is key to staying on top of your health. To join a Medicare Advantage Plan you must have Part A and Part B coverage and live in the plan’s service area. It is important to remember that Original Medicare is only valid in the United States. Fortunately, many Medicare Advantage Plans offer worldwide emergency coverage. Another important healthcare consideration to keep in mind is Medicare Advantage Plans focus on your overall well-being. They offer preventative and wellness-related benefits at no cost to you. This includes important benefits like free over-the-counter medicines and free gym memberships. You won’t find those types of benefits with Original Medicare. Medicare Supplement Plans (Medigap) Some people confuse a Medicare Supplement Plan, also known as a Medigap Plan, with Medicare Advantage Plans. They are different and the biggest difference is Medicare Supplement plans come with ever-increasing premiums because they are based on your age. This means the cost of these plans increase every year. Plus, they don’t offer any supplemental benefit coverage like vision, dental or hearing. That’s not the case with a Medicare Advantage Plan. In many cases, there is no monthly premium and you receive all manner of supplemental benefits. These benefit-rich, zero-dollar premium Medicare Advantage plans are enticing people to say goodbye to pricy Medicare supplement plans and hello to Medicare Advantage Plans. Don’t worry, if you join a Medicare Advantage Plan for the first time and you aren’t happy with the plan, you’ll have special rights under federal law to buy a Medigap policy and a Medicare drug plan if you return to Original Medicare within 12 months of joining the Medicare Advantage Plan. The Flexibility to Change Your Mind A common misconception about Medicare Advantage Plans is that when you join, you are still on Medicare and are not giving up your Medicare coverage. Medicare Advantage Plans are considered “Medicare Part C.” This means they combine your Medicare Part A (hospital coverage), Part B (doctor’s coverage) and Part D (prescription drug coverage) into one convenient package that costs less and provides more. You can only join, switch or drop a Medicare Advantage Plan during the enrollment periods: Initial Enrollment Period: When you first become eligible for Medicare, you can sign up during your Initial Enrollment Period. For many, this is the seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. General Enrollment Period: If you have Part A coverage and you get Part B for the first time during this period (between January 1 - March 31 each year), you can also join a Medicare Advantage Plan. Your coverage may not start until July 1. Annual Election Period: Between October 15 and December 7, anyone with Medicare can join, switch or drop a Medicare Advantage Plan. Your coverage will begin on January 1 (as long as the plan receives your request by December 7). Medicare Advantage Plans have been around for more than 25 years and continue to grow in popularity. In some parts of the country, more than half of all Medicare beneficiaries are enrolled in a Medicare Advantage Plan. Only 40% are enrolled here in Nevada, but that number is growing every year.

Read More About 5 Benefits of Medicare Advantage Plans

Renown Health is proud to debut our newest commercial spot, Days, on Thanksgiving Day 2022. This commercial features members of the greater northern Nevada community, former Renown patients and employees. Chris and Ann Cook are some of these community members, and we are grateful we get to tell their story. Family is everything for Chris and Ann Cook. Their loved ones span across the United States and even farther to Germany, so time spent with their children and grandchildren means the world to them. When Chris went to the emergency room for a persistent headache and drooping eye over twenty years ago, they could have never predicted the number of hours their family would spend at Renown care facilities in the coming years. “Whenever we step inside a building with that purple logo, we know right away we will be supported by friends, family and Renown staff. Our family has turned countless hours inside hospital walls into memories of gratitude for the care we receive.” Chris Cook said. “It is these memories that make us appreciate the health of our family today.”   A Relationship with Renown that Spans Decades The Cooks can remember a time before Renown Regional Medical Center’s inception when Washoe Medical Center (Washoe Med) stood in its place. It was at Washoe Med that Chris received emergency brain surgery after a visit to the emergency room over 20 years ago. Immediately following a CT scan, Chris was transported to Washoe Med, now Renown Health, for emergency brain surgery and eventually to treat a hematoma. Doctors close to his case were amazed by his survival, considering Chris’ divergent situation resulting from a raisin-size colloid cyst and dissected corotated artery. He spent three weeks in the ICU recovering at the hospital, his spirits lifted by the amazing staff who brightened his day with gestures of kindness. From there, he was supported by countless friends and family members over the next three months while recovering at home. A Home Away from Home Later, the Cooks’ daughter received cancer care at Renown at the William N. Pennington Cancer Institute. Ann, Chris and their daughter found small comforts when running into the familiar faces of their daughters' past schoolmates, who are now Renown employees, in the hallways. The family became well-acquainted with the food options at Renown Regional’s Sierra Café, even finding favorites like the sushi bar. Reliable Care, Close to Home  The Cooks have also experienced many happy and comforting memories at Renown and Washoe Med over the past twenty years, including the births of three of their seven grandchildren. And when Chris needed an emergency appendectomy on a Friday night four years ago, they felt confident that the best care would be received at Renown Regional Medical Center.    From lab work to routine procedures or visits to urgent care, the Cooks feel rest-assured knowing Renown will be the place they can consistently trust for care with many locations close to their home in Sparks, Nevada.  After spending many hours within Renown walls, Chris and Ann remarked how impressed they were by Renown Regional Medical Center’s growth in the past decade from their first encounter over twenty years ago. With a deep appreciation for the care received at Renown facilities and the technology used to help treat patients, Chris and Ann said, “We really feel confident that if something bad were to happen, you’d want to be in the care of Renown.”  Family, Health and The Future "Our care at Renown has changed the course of our family’s lives and led to the success of who we are today. So, when the team at Renown approached us about participating in the commercial shoot, we knew this was meant to be the next piece in our Renown story." Chris and Ann said. "Of course, it was nice to be back at Renown, not as a patient this time, but to help the team create something great."

Read More About Rooted with Renown, One Families Story of Remarkable Odds

Senior Care Plus was Nevada’s first Medicare Advantage Plan and is still providing healthcare coverage to qualifying members in Washoe, Carson City, Clark & Nye Counties. Senior Care Plus is administered by Hometown Health, the insurance division of Renown Health. That relationship means Senior Care Plus is the only Medicare Advantage Plan supported and accepted at Renown. This preferred access to Renown is a great benefit for northern Nevadans. When it comes to healthcare coverage, there are three key factors to keep in mind. Here’s why a Senior Care Plus Medicare Advantage Plan is your best choice. 1. Cost Cost matters when searching for the right insurance plan. Of the four Senior Care Plus plans available to residents of Washoe County and Carson City, three offer a zero-dollar monthly premium and all of them offer zero-dollar primary care office visits. That means no out-of-pocket costs for you. Additionally, all Senior Care Plus plans have an annual out-of-pocket maximum. This means when you reach this amount, that’s all you will pay. Senior Care Plus pays all other covered medical benefits for the rest of the year. That’s the beauty of a Senior Care Plus Medicare Advantage Plan. 2. Size of Provider Network and Accessibility Although saving money is important, it’s more important to be able to see a doctor when and where you need to. Senior Care Plus members enjoy the most comprehensive healthcare provider network in the region. Thousands of providers, including many hard-to-find specialists, are in the Senior Care Plus network. Since Senior Care Plus is part of the Renown Health family, you get priority access to all that Renown has to offer, which you won’t find with any other Medicare Advantage Plan. 3. Coverage Medical coverage needs are personal and unique to every member. Understanding a plan’s benefits is essential when picking the best coverage for you. Of course, the important benefits you associate with a healthcare plan are included in all Senior Care Plus plans: urgent care visits, specialists’ visits, lab services, imaging — all with reasonable copays. What sets Senior Care Plus apart from the rest are the additional benefits for preventive health. For example, Senior Care Plus offers plans with a comprehensive dental benefit with first-dollar coverage, meaning you pay nothing until the benefit limit is reached.  Senior Care Plus Medicare Advantage Plans also have a vision benefit allowing you to get a new pair of eyeglasses every year. In addition, these plans offer a fitness benefit, so you can join a local gym because Senior Care Plus wants to keep you healthy. Another interesting benefit is the over-the-counter benefit. If you choose the Renown Preferred Plan, you can select $50 worth of over-the-counter products such as: cold medicine, dental products, diabetic supplies, and digestive aides. Remember, that’s $50 worth of over-the-counter products four times per year. All on a plan that doesn’t cost a thing. Senior Care Plus Medicare Advantage Plans offer many added benefits tailored to Nevadans.

Read More About 3 Reasons to Choose a Senior Care Plus Health Plan