Know your options when it comes to Medicare

Sponsored by Ohana Health Plan

Enrolling in Medicare can be a daunting task, but research shows seniors who fail to review their plan options could be leaving money on the table. Medicare open enrollment period is underway so HI Now invited Caroline Rodrigues, marketing outreach specialist with ‘Ohana Health Plan, on set to discuss different options seniors have.

‘Ohana Health Plan focuses exclusively on providing government-sponsored managed care services, primarily through Medicaid, Medicare Advantage and Medicare Prescription Drug Plans, to families, older adults and individuals with complex medical needs. ‘Ohana Health Plan also aims to get its members’ the right care at the right time at the right place. Because it knows people often have challenges in life beyond their health, it goes beyond healthcare. ‘Ohana Health Plan works with nonprofit organizations to meet its members’ other needs, such as food, shelter, transportation. The goal is to help them lead better, healthier lives.

Medicare Basics is a federal health insurance program for: People age 65 or older; people under 65 years of age with certain disabilities, and people of any age with End-Stage Renal Disease. When you first enroll in Medicare, you have Original Medicare, which is a fee-for-service health plan that covers many of your healthcare services. This original plan pays for many services and supplies but does not cover all your healthcare costs like co-pays and deductibles. A deductible is the amount you must pay for healthcare or prescriptions before Original Medicare begins to pay. Co-pay is usually a set amount, for instance, what you may pay for a doctor’s visit. Some of the items and services that Original Medicare does not cover include: Most dental care; Dentures; Cosmetic surgery; Eyeglasses, unless you have had cataract surgery; and Transportation to and from medical appointments.

So many Medicare beneficiaries are living on fixed incomes. ‘Ohana Health Plan Medicare Advantage plans with this in mind, with most plans offering $0 monthly premium combined with extra benefits beyond those offered by Original Medicare. All plans offer hearing, vision and dental coverage, along with complimentary transportation to medical appointments.

In addition, ‘Ohana Health plans also offer: Health club memberships, a monthly allowance to help purchase needed over-the-counter health items, such as vitamins, toothbrushes and pain relievers and $0 copay for primary care visits to ensure members are able to build and maintain a strong relationship with their doctor, which is a key component of health.

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