[INTRO MUSIC]
[Text On Screen Ð Optum]
[Text On Screen Ð Medicare matters. New to Medicare? What to know]
[SPEAKER ON SCREEN]
[GRAPHIC, birthday gift]
SPEAKER: Welcome. Thanks for joining me today. I hear you're getting close to putting 65 candles on your birthday cake.
[GRAPHIC, question marks]
This is an exciting milestone in your life. But as you approach this new chapter, you may have questions about Medicare. Don't worry, we've got you covered with this video, just for people like you, who are new to Medicare.
[Text On Screen Ð What is Medicare?]
First, what is Medicare?
[Text On Screen Ð Original Medicare]
[GRAPHIC, federal building]
[Text On Screen Ð Health coverage offered by the federal government]
There are different types, but for now we're going to focus on original Medicare. That's health coverage offered by the federal government.
[Text On Screen Ð YouÕll qualify if youÕre:
- A U.S. Citizen 65+
- Under 65 with a disability or certain illness
- Turning 65]
Now let's talk about who qualifies. U.S. citizens age 65 and older or people who are under 65 with a disability or have certain medical issues. But the most common way to qualify is by turning 65.
[Text On Screen Ð New to Medicare? Time to sign up.
- 3 months before you turn 65
- 65th birthday month
- 3 months after you turn 65]
You can sign up for Medicare three months before your 65th birthday, during your birthday month, and three months after. All right, now let's break down the different parts of Medicare and what they cover.
[Text On Screen Ð The four parts of Medicare: A, B, C, D]
Medicare has four parts, A, B, C, and D. Let's take a look at each one.
[GRAPHIC, hospital bed]
[Text On Screen Ð A, Hospital stays, skilled nursing facility, hospice (Original Medicare]
Part A is part of original Medicare. It's offered by the federal government. It helps pay for hospital stays, skilled nursing facility care, and hospice care.
[GRAPHIC, stethoscope]
[Text On Screen Ð B, Doctor visits, preventative and outpatient care, tests (Original Medicare)
Part B is also part of original Medicare. It's also offered by the federal government. It helps pay for doctor visits, preventive services, and x-rays and other tests.
[GRAPHICS, hospital bed, stethoscope, prescription medication bottle]
[Text On Screen Ð C, Everything covered under parts A+B. Often includes prescription drugs, dental, vision (Medicare Advantage)]
Part C is a combination of Parts A and B. It's also known as Medicare Advantage and is offered by private insurance companies. Medicare Advantage often comes with drug coverage and dental and vision care.
[GRAPHIC, prescription medication bottle]
[Text On Screen Ð D, Prescription drugs (Medicare Advantage)
And finally, Part D helps with the cost of prescription drugs. That's a lot. Feels like you're swimming in a bowl of alphabet soup, huh? But don't worry. You don't have to go through this journey alone.
[GRAPHIC, two hands shaking to form the shape of a heart]
That's where licensed insurance agents come in. They're there to help you understand your choices and find the right plan for your needs and budget, including exploring plans that our doctors accept. So you can enjoy care that's of better value and focuses on keeping you healthy. Thank you for watching. We hope you feel more informed and confident about Medicare. Remember, your agent will be there for you every step of the way, so go ahead and call them today.
[Text On Screen Ð Get your no-cost Medicare review]
[Text On Screen Ð To explore your Medicare choices, talk to a licensed insurance agent who partners with Optum]
[Text On Screen Ð Optum, Helping create a healthier world, *Optum is a registered trademark of Optum, Inc. in the U.S. and other jurisdictions. Because we are continuously improving our products and services, Optum reserves the right to change specifications without prior notice. Optum is an equal opportunity employer ©2024 Optum, Inc. All rights reserved.]
