MALE: As we age, it's important to have a health care plan that meets our needs and provides us with the best value for the money. So, if you or a loved one are getting ready to sign up for Medicare, this topic is for you. First, let's break down the types of plans out there. There are two main choices, Original Medicare and Medicare Advantage. Original Medicare is run by the federal government. It includes Part A for hospital care and Part B for doctor visits. Medicare Advantage, often known as Part C, is another way to get Medicare. These plans are offered by private insurance companies. They must cover everything that original Medicare does and most of them also include drug coverage, Part D. You're probably thinking, how do I know which Medicare plan would give me the better value? This is where the importance of choice comes into play. A good Medicare plan should not only cover your medical needs, but also fit your budget. So you'll want to factor in things like which plans offer monthly premiums you can afford. Here's something else to keep in mind. When you pair Optum doctors with a Medicare Advantage plan, you're choosing quality care that can help you stay healthier and save money. Optum doctors can help stop problems before they start, by seeing you more often, and they only order the tests and screenings you need. In fact, in a recent study, our patients with Medicare Advantage versus Original Medicare had 22 percent fewer ER visits, 50 percent fewer hospital stays, and 24 percent lower health care costs. That's healthier care at a better value. Unsure where to go from here? We suggest talking to a licensed insurance agent. These professionals are trained to help you find a plan that best fits your needs and budget. They can explain the different choices and how you compare costs and benefits, ultimately making it easier for you to make an informed decision. So if you or a loved one are ready for Medicare, don't wait any longer. Start exploring to find a plan that provides the best value for you. Remember, a little help can go a long way. Talk to a licensed insurance agent today to make the best decisions for your health care needs. Thank you for watching.
