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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.

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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.

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Above: Brian Cushard (left), Renown Health Foundation Board Chair, with his family At Renown Health Foundation, our mission is simple yet powerful – to raise funds that support Renown Health, the largest not-for-profit health system in northern Nevada. We are the driving force behind initiatives that bring state-of-the-art equipment, conduct groundbreaking research, enhance healthcare services, improve patient outcomes and contribute to the overall well-being of our community.  Our Dedicated Board of Directors  Our impactful work would not be possible without our Board of Directors – a fantastic team of 27 local volunteers. They bring diverse skills to the table, working together to create positive changes in healthcare for northern Nevada. Our board is at the core of our Foundation's success by guiding important decisions, sharing valuable insights and actively engaging in community relationships.  Meet Brian Cushard – Renown Health Foundation’s Chair  Brian Cushard took on the role of Foundation Board Chair at the beginning of 2024. Brian, who is the President of LP Insurance Services in Reno, will lead us for the next two years, bringing a wealth of experience and a deep commitment to community well-being. Since joining Renown Health Foundation’s Board in 2018, Brian has been instrumental in shaping our strategic direction.  Brian’s Vision: Advocating for Renown Health’s Mission and Making a Difference  We had the opportunity to sit down with Brian and explore his passion for healthcare philanthropy and the positive changes he envisions. Brian's 'why' is firmly rooted in the belief that a robust health system serves as the backbone of the community. His vision extends beyond fundraising; it's about inspiring the community by sharing remarkable stories of care and championing Renown's impactful contributions.  Q: Why does Renown's mission matter to you, and how do you see your role making a difference?  A: Renown's mission matters deeply to me because, without a highly functioning healthcare system, the economic structure of the community can be impacted. At LP Insurance, where I work, we see ourselves as guardians of our clients' hopes and dreams. This translates to my role on the Board as stewards for the health of others. Advocating for a highly functioning health system is crucial in supporting community members and clients alike. Surrounding ourselves with a solid network is essential. As advocates, our voices are integral in ensuring that everyone's voices are heard.  Q: Can you share a moment that made you want to support healthcare causes?  A: There are those stop-in-your-tracks healthcare moments that make you reassess life's priorities. I've had moments where life comes to a standstill, and what you once thought was important takes a backseat to the basics of life—getting better, one step at a time. In those vulnerable moments, you realize the importance of every person at the hospital. In desperate need, we rely on them. It's eye-opening and gives perspective on what's truly valuable in life.  Q: Tell us about a time when you saw the positive impact of healthcare or philanthropy. How did that influence your decision to get involved?  A: One impactful moment in philanthropy stands out — the Music and Miracles concert featuring the Beach Boys. LP Insurance was a major donor, contributing $100,000 to benefit Sophie’s Place, a music therapy room coming to Renown Children's Hospital. On the day of the event, my wife and I volunteered and saw the remarkable community support for Renown Children’s Hospital. The collective efforts that day raised over $1 million, specifically designated to establish Sophie’s Place. This experience inspired me to want to do more, as I recognized the profound positive impact that philanthropy can have on healthcare and the community.  Note: Sophie’s Place, opening later this year, will offer vital care and healing experiences for young patients at Renown Children’s Hospital.

Read More About The Impactful Role of Renown Health Foundation's Board of Directors