lower. If you select a plan that would make your visit to and Medicare Advantage plans.
a doctor or hospital outside the network, make sure you
understand the costs.
Also, see if your medications are covered by the plan.
Even if you don’t expect to change plans, it’s important to
make sure your drugs will still be covered in 2019. People
with Medicare should remember that Original Medicare
doesn’t cover prescription drugs, so if you are looking
for help covering the costs of your medications, choose
either a Part D plan or a Medicare Advantage plan with
prescription coverage.
Look for ways to save
Ask about incentive-based wellness programs that
reward you for living a healthier lifestyle. Some health
plans offer incentives for their members to participate
in activities that may help improve their health, such as
completing a health assessment, visiting a gym, lowering
their cholesterol, participating in a wellness-coaching or
tobacco-cessation program, or even just walking.
Don’t forget about additional benefits
and features
Open or annual enrollment is the ideal time to select
benefit plans that can help protect you and your family
from head to toe, so consider adding vision, dental
and financial protection plans such as life, accident or
critical illness coverage. For people on Medicare, many
are surprised to find that Original Medicare doesn’t
cover most dental, vision and hearing services. But many
Medicare Advantage plans do and often include perks like
gym memberships or discounts on hearing aids.
Learn the lingo
Do you have a full understanding of health care terms,
such as premium, deductible, coinsurance and out-of-
pocket maximum? If not, there are resources online,
including UnitedHealth Group’s Just Plain Clear Glossary
(in English, Spanish and Portuguese) to help you learn
and understand health care terms.
Also, check to see if your plan includes 24/7 telehealth
services. Telehealth services can be especially convenient For help navigating open enrollment, visit
for consultations on minor health issues. Often, telehealth UHCOpenEnrollment.com for more tips, articles and
is available to members of employer-sponsored, individual videos about health insurance and health care topics.
Veronica Rojas
Licensed Insurance Agent
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HelpingPeople7702@gmail. com
321-460-9977
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accidental , dental , critical ,
and hospital indemnity
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