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    • Senior Care
    • Health Insurance and Coverage

    3 Reasons to Choose a Senior Care Plus Health Plan

    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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    • Healthy Aging
    • Senior Care

    5 Tips for Healthy Aging

    September is National Healthy Aging Month, which is described by Healthy Aging Magazine as a “month designed to focus national attention on the positive aspects of growing older.”   What does healthy aging mean to you? If you're like most people, you're looking forward to removing the negative from your life – negative energy, thoughts, people and activities that don't contribute to your best life.   While we remain focused on ridding ourselves of the negatives, we can forget about ways to strengthen the positive parts of our lives. Dr. Shruti Basho, a family medicine physician at Renown Health’s senior-focused medical group, provides us with five positive behaviors to focus on to improve happiness and life satisfaction.  Healthy Aging in 5 Easy Steps  Connect – Humans are naturally social creatures! Build connections with friends, family, colleagues and neighbors. Strong interpersonal connections help enrich your life with new experiences and opportunities. Having a support system to call upon in both times of need and times of celebration is priceless, especially as you age. Forming these bonds helps you stay healthier and happier well into your aging journey. Joining the Sterling Silver Club is a great place to meet more people in the community who want to live a healthy, fulfilled life just like you. Be Active – Regular exercise, particularly as you grow older, is vital to increase and maintain your endurance, strength and balance. But exercise doesn’t have to be a chore! Pick a physical activity that you enjoy – whether it be enjoying a nature walk, taking a power weightlifting class or anything in between. Being active will also help you build strong connections with others. If you need a workout buddy in your neighborhood, Nextdoor is a great resource to find people who live right around the block from you and may be looking for their next exercise partner.   Take Notice – Curiosity and mindfulness can be an impactful motivator in positive cognition and behavior as you age. Like a child, see the wonder and beauty of the world. Notice the things around you – the weather, the landscape, the mood and the feelings of people. According to Harvard Medical School, changes in the aging brain "enable us to become better at detecting relationships between diverse sources of information, capturing the big picture, and understanding the global implications of specific issues.” By taking notice, it’s easier to learn to appreciate the things that matter.  Keep Learning – Engaging with lifelong learning is one of the best ways to keep your mind active. Keep trying something new! Challenges keep you on your toes and increase your confidence and excitement in your day. Don’t know where to start? EPIC (Educational Programs Inspiring the Community) offers a diverse personal enrichment and professional development curriculum at Truckee Meadows Community College ranging from art classes to accelerated training certificate courses.  Give – Be generous with your time, your knowledge and your talents by giving to friends, family and the community when you have the capacity. Lending yourself to others doesn’t have to be taxing – saying thank you and even just giving someone a smile can change the course of someone’s day. If you’re looking for a hands-on way to give back, Nevada Volunteers is a great place to find volunteer opportunities near you. Renown Health is also always looking for volunteers who are passionate about making an unforgettable difference to the people and communities we serve.   Practice these five tips to improve happiness and quality of life at any age.

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    • Tuesday, Nov 07, 2023

    Celebrating More Than 150 Years of Nursing, First Nevada Hospital and Nursing School Award First Jerry Smith Student Tuition Support

    Donors, Orvis School of Nursing at University of Nevada, Reno and Renown Health create history by awarding tuition assistance to 29 nursing students and creating a future academic and career pipeline. The University of Nevada, Reno has officially begun its yearlong sesquicentennial celebration (October 2023 and through October 2024). Today, a celebration was held as donors, Renown Health and the University of Nevada, Reno Orvis School of Nursing awarded 29 nursing students with tuition support as part of the Gerald “Jerry” Smith Academic-Practice Partnership established with the Renown Health Foundation. The Practice Partnership is named in honor of the late Jerry Smith of the Nell J. Redfield Foundation and supported by a generous lead gift from the Redfield Foundation and Stephanie Kruse, owner of KPS3 and chair of the Renown Health Foundation Board as they work to create a sustainable nursing workforce in northern Nevada for years to come. Kruse made a generous planned gift to the Renown Health Foundation and the Renown Nursing Excellence Endowment Fund. This was the lead gift for the endowment, after a significant cash gift to the Nursing Education Fund last summer. Kruse of Reno was recently awarded the prestigious 2023 Trustee of the Year Award from the Nevada Hospital Association for her exceptional leadership; professional excellence; outstanding achievements; innovative accomplishments and extraordinary compassion in caring for the community. The Gerald “Jerry” Smith Academic-Practice Partnership recipients receive funding for tuition, books, and nursing fees, along with a guaranteed career in nursing with Renown Health following graduation and license obtainment. Eligible University of Nevada, Reno Orvis School of Nursing students, Nevada residents and those committed to working at Renown for at least three years post-graduation who are interested in applying for the tuition support can find the application in Canvas, University of Nevada’s learning management system. “Despite steady growth in the number of new nursing graduates from Nevada nursing programs and registered nurses moving to Nevada from other states, our state is in need of additional registered nurses simply to meet the increased population growth and demand,” noted Brian Erling, MD, MBA, President & CEO of Renown Health. “The daughter of a nurse and a former nurse herself, Stephanie understands the importance of attracting and retaining nurses within our healthcare systems. Stephanie has made a significant and lasting contribution by helping to train and grow the next generation of nurses and we so appreciate her service, and her many contributions to Renown and our community.” "Since our University first welcomed students to classes in 1874, the institution has been a place where dreams can be realized for the good of all. We are incredibly grateful for the Gerald ‘Jerry’ Smith Nursing Academic-Practice Partnership,” Brian Sandoval, President, University of Nevada, Reno (UNR) said. “The tuition support not only impact the lives and dreams of the nursing students being honored today, but positively influences the overall health of our community by ensuring that excellent healthcare professionals stay right here in northern Nevada.” “Jerry Smith had a strong belief in community collaboration, and we are beyond proud that this partnership is named in his memory. He would be thrilled to see the impact these gifts are having on these nursing students today,” said Greg Walaitis, Chief Development Officer for Renown Health Foundation. “Stepanie Kruse works tirelessly to improve access to better health and human services, and she is now encouraging others to join the fight by donating to the Gerald “Jerry” Smith Academic-Practice Partnership fund at Renown to help fund additional tuition assistance and support nurse education for our state. Her goal is to be able to provide full support to each of the 192 students in the Orvis School of Nursing program each year.” According to a white paper published by the Nevada Health Workforce Research Center (the Center) in December 2022, analysis by the Center revealed persistent, widespread health professional shortages in Nevada. Despite steady growth in the number of new nursing graduates from Nevada nursing programs and registered nurses moving to Nevada from other states, the Center estimated that Nevada currently needs over four thousand additional registered nurses simply to meet the national population-to-RN average. The partnership allows the Orvis School of Nursing to expand its graduating classes by 8 additional students a year. “At Renown, we take pride in placing an emphasis on education and career development. Partnering with the Orvis School of Nursing to create an academic pipeline is imperative for addressing the nursing shortage in Nevada,” said Melodie Osborn, Chief Nurse Executive at Renown Health. “Renown Health and the Orvis School of Nursing’s collaboration has been longstanding, and accomplishing this milestone reaffirms our partnership and our long legacy that both organizations have to nursing and education.” In addition to announcing the Practice Partnership, the Orvis School of Nursing has merged the traditional Bachelor of Science in Nursing program with the Accelerated Bachelor of Science in Nursing program. This merger has expanded the traditional Bachelor of Science in Nursing program from 72 students to 96 students admitted twice per year. The Bachelor of Science in Nursing program now admits a total of 192 students in the program each year. “We are excited to be accepting our first class of Gerald “Jerry” Smith Academic-Practice Partnership nursing students and to be increasing the number of nursing students who can enroll in the Orvis School of Nursing’s BSN program,” said Cameron G. Duncan, Interim Dean of the Orvis School of Nursing. “It’s integral for nursing students to get hands-on experience in an environment that places an emphasis on quality and excellence, which is why we’re proud to collaborate with Renown Health. We are so appreciative of Stephanie and the generous donors who will make education possible for students who might otherwise not be able to pursue a career in nursing.” Founded in 1864, Washoe County Hospital (which later became Renown Health) was the first hospital to open after Nevada became a state and is now the state’s largest not-for-profit healthcare organization and #1 hospital in Nevada (US News & World Report). Founded in 1956, the Orvis School of Nursing (OSN) is the oldest school of nursing in the state and committed to serving the healthcare needs of the people of Nevada through excellence in teaching, research, and service. In 2021, Renown Health affiliated with the University of Nevada Reno, School of Medicine creating the state’s first integrated health system. About Renown Health Renown Health is the region’s largest, locally governed, not-for-profit integrated healthcare network serving Nevada, Lake Tahoe and northeast California. With a diverse workforce of more than 7,000 associates, Renown has fostered a longstanding culture of excellence, determination, and innovation. The organization comprises a trauma center, two acute care hospitals, a children’s hospital, a rehabilitation hospital, a medical group and urgent care network, and the region’s largest, locally owned not-for-profit insurance company, Hometown Health. Renown is currently hiring great physicians, nurses and associates for careers in service; apply at renown.org/careers and volunteers to assist patients and their families at renown.org/about/volunteers. About University of Nevada, Reno The University of Nevada, Reno, is a public research university that is committed to the promise of a future powered by knowledge. Nevada’s land-grant university founded in 1874, the University serves 21,000 students. The University is a comprehensive, doctoral university, classified as an R1 institution with very high research activity by the Carnegie Classification of Institutions of Higher Education. Additionally, it has attained the prestigious “Carnegie Engaged” classification, reflecting its student and institutional impact on civic engagement and service, fostered by extensive community and statewide collaborations. More than $800 million in advanced labs, residence halls and facilities has been invested on campus since 2009. It is home to the University of Nevada, Reno School of Medicine, and Wolf Pack Athletics, maintains a statewide outreach mission and presence through programs such as the University of Nevada, Reno Extension, Nevada Bureau of Mines and Geology, Small Business Development Center, Nevada Seismological Laboratory, and is part of the Nevada System of Higher Education. Through a commitment to world-improving research, student success and outreach benefiting the communities and businesses of Nevada, the University has impact across the state and around the world. For more information, visit unr.edu.

    Read More About Celebrating More Than 150 Years of Nursing, First Nevada Hospital and Nursing School Award First Jerry Smith Student Tuition Support

    • Wednesday, May 24, 2023

    Renown Health and Orvis School of Nursing Announce Academic Partnership Program & Academic Pipeline for Nursing Students

    The longstanding partnership between the University of Nevada, Reno and Renown Health reaches a new milestone with newly established scholarship program. Today, Renown Health and the University of Nevada, Reno Orvis School of Nursing announced a milestone in the longstanding partnership and a new fund to provide nursing students with full-ride scholarships, and in turn, assist in creating a sustainable nursing workforce in northern Nevada for years to come. The Gerald “Jerry” Smith Academic-Practice Partnership established with Renown Health Foundation will provide funding for up to 24 students a year.  Recipients receive funding for tuition, books and nursing fees, along with a guaranteed career in nursing with Renown Health following graduation and license obtainment. The Gerald “Jerry” Smith Academic Practice Partnership will additionally give recipients the opportunity to complete an apprenticeship at Renown. To be eligible for the scholarship, students must be in good standing at the University of Nevada, Reno Orvis School of Nursing; Nevada residents; and committed to working at Renown for at least three years post-graduation. The Practice Partnership has been established by the Gerald Smith family and initiated by Stephanie Kruse, Renown Health Foundation board chair. Kruse made a generous planned gift to Renown Health Foundation to the Renown Nursing Excellence Endowment Fund. This was the lead gift for the endowment, after a significant cash gift to the Nursing Education Fund last summer. The daughter of a nurse, and a retired nurse herself, she understands the importance of attracting and retaining nurses within our healthcare system, and so she decided to honor the memory of her mother and provide funding for others interested in nursing.  “We are incredibly grateful for the generous donors who have helped establish the Gerald ‘Jerry’ Smith Nursing Academic-Practice Partnership. These funds will not only impact the lives of the awarded nursing students, but positively influence the overall health of our community by ensuring that excellent healthcare professionals stay right here in northern Nevada. Jerry had a strong belief in community collaboration, and we are beyond proud to name this partnership in his honor,” said Greg Walaitis, Chief Development Officer for Renown Health Foundation.  According to a white paper published by the Nevada Health Workforce Research Center (the Center) in December 2022, analysis by the Center revealed persistent, widespread health professional shortages in Nevada. Despite steady growth in the number of new nursing graduates from Nevada nursing programs and registered nurses moving to Nevada from other states, the Center estimated that Nevada currently needs over four thousand additional registered nurses simply to meet the national population-to-RN average. The partnership allows the Orvis School of Nursing to expand its graduating classes by 8 additional students a year.  “At Renown, we take pride in placing an emphasis on education and career development. Partnering with the Orvis School of Nursing to create an academic pipeline is imperative for addressing the nursing shortage in Nevada,” said Melodie Osborn, Chief Nurse Executive at Renown Health. “Renown Health and the Orvis School of Nursing’s collaboration has been longstanding, and accomplishing this milestone affirms our partnership.” In addition to announcing the Practice Partnership, the Orvis School of Nursing announced its merging of the Traditional Bachelor of Science in Nursing program with the Accelerated Bachelor of Science in Nursing program. This merger will grow the traditional Bachelor of Science in Nursing program from 72 students to 96 students admitted twice per year. The Bachelor of Science in Nursing program will now admit a total of 192 students in the program each year. “We are so excited to increase the number of nursing students who can enroll in the Orvis School of Nursing’s BSN program,” said Cameron G. Duncan, Interim Dean of the Orvis School of Nursing. “It’s integral for nursing students to get hands-on experience in an environment that places an emphasis on quality and excellence, which is why we’re proud to collaborate with Renown. We are so appreciative of the generous donors who will make education possible for students who might otherwise not be able to pursue a career in nursing.” Eligible University of Nevada, Reno Orvis School of Nursing students, Nevada residents and those committed to working at Renown for at least three years post-graduation who are interested in applying for the scholarship can find the application in Canvas, University of Nevada’s learning management system.  About Renown Health Renown Health is the region’s largest, locally governed, not-for-profit integrated healthcare network serving Nevada, Lake Tahoe and northeast California. With a diverse workforce of more than 7,000 associates, Renown has fostered a longstanding culture of excellence, determination, and innovation. The organization comprises a trauma center, two acute care hospitals, a children’s hospital, a rehabilitation hospital, a medical group and urgent care network, and the region’s largest, locally owned not-for-profit insurance company, Hometown Health. Renown is currently hiring great physicians, nurses and associates for careers in service; apply at renown.org/careers and volunteers to assist patients and their families at renown.org/about/volunteers.  About University of Nevada, Reno The University of Nevada, Reno, is a public research university that is committed to the promise of a future powered by knowledge. Nevada’s land-grant university founded in 1874, the University serves 21,000 students. The University is a comprehensive, doctoral university, classified as an R1 institution with very high research activity by the Carnegie Classification of Institutions of Higher Education. Additionally, it has attained the prestigious “Carnegie Engaged” classification, reflecting its student and institutional impact on civic engagement and service, fostered by extensive community and statewide collaborations. More than $800 million in advanced labs, residence halls and facilities has been invested on campus since 2009. It is home to the University of Nevada, Reno School of Medicine and Wolf Pack Athletics, maintains a statewide outreach mission and presence through programs such as the University of Nevada, Reno Extension, Nevada Bureau of Mines and Geology, Small Business Development Center, Nevada Seismological Laboratory, and is part of the Nevada System of Higher Education. Through a commitment to world-improving research, student success and outreach benefiting the communities and businesses of Nevada, the University has impact across the state and around the world. For more information, visit unr.edu.

    Read More About Renown Health and Orvis School of Nursing Announce Academic Partnership Program & Academic Pipeline for Nursing Students

    • Thursday, May 26, 2022

    Helmsley Charitable Trust Grants $3.1 Million to Renown Health

    Pictured left to right: Erin VanKirk, MSN, RN, Renown Health Director of Nursing Education; Mitch Krebs, Program Director at Helmsley Charitable Trust; Dr. Graf, Renown Health CEO; Greg Walaitis Renown Health Chief Development Officer. Renown Health will use the grant to build the Helmsley Simulation and Innovation Center to improve the health system’s training abilities The Leona M. and Harry B. Helmsley Charitable Trust has granted $3.1 million to Renown Health for construction of a new simulation and innovation center that will greatly expand the health system’s ability to train healthcare providers throughout northern Nevada. The new center will be named the Helmsley Simulation and Innovation Center. Expected to open in April 2023, the center will feature three simulated patient rooms, classroom space, computer labs and a conference center, allowing trainers to run current and future healthcare professionals through real-life acute, outpatient, telemedicine and specialty care scenarios. The new center will let Renown Health train substantially more nurses, physicians, community clinical partners, medical students and rural providers while improving medical and nursing expertise to support staff throughout northern Nevada. “The Helmsley Charitable Trust is excited to fund this new simulation center, which will provide healthcare professionals across rural Nevada with state-of-the-art training in a variety of situations they’ll encounter,” said Walter Panzirer, a trustee of the Helmsley Charitable Trust. “The project fits with our goal to level the playing field by giving rural residents access to top-notch healthcare, regardless of their ZIP code.” “Simulation education has become standard practice for many of our healthcare personnel,” said Erin Van Kirk MSN, RN, Director of Nursing Education. “This lab will provide expanded opportunities in a controlled setting where physicians, nurses, and students can gain valuable experience in providing the best care possible.” Renown Health has outgrown its current simulation lab, which opened in 2016 in Renown Regional Medical Center. The new, larger, state-of-the-art simulation and innovation center will increase Renown Health’s training capacity from 1,500 to 2,500 each year. The new facility will be equipped with state-of-the-art simulation mannequins and other equipment that includes a telemetry monitor, IV and epidural equipment, a code cart, a defibrillator, a balloon pump, ventilators and a cooling machine. The center will also support Renown Health’s recently established partnership with the University of Nevada, Reno School of Medicine, expanding training modules focused on rural health and virtual care through telemedicine. “The facility will help Renown Health respond to our region’s growing population by allowing us to support the training and competency necessary for our care providers to make a genuine difference in the health and well-being of the people and communities we serve,” said Melodie Osborn, RN, MBA, Chief Nursing Executive at Renown Health. “This generous grant for the new simulation and innovation center from the Helmsley Charitable Trust is truly an investment in the bright future we envision for Renown, our care teams and the community.” About Renown Health Renown Health is the region’s largest, locally governed, not-for-profit integrated healthcare network serving Nevada, Lake Tahoe and northeast California. With a diverse workforce of more than 7,000 employees, Renown has fostered a longstanding culture of excellence, determination and innovation. The organization comprises a trauma center, two acute care hospitals, a children’s hospital, a rehabilitation hospital, a medical group and urgent care network, and the region’s largest, locally owned not-for-profit insurance company, Hometown Health. Renown is currently enrolling participants in the world’s largest community-based genetic population health study, the Healthy Nevada Project®. For more information, visit renown.org. About the Helmsley Charitable Trust The Leona M. and Harry B. Helmsley Charitable Trust aspires to improve lives by supporting exceptional efforts in the U.S. and around the world in health and select place-based initiatives. Since beginning active grantmaking in 2008, Helmsley has committed more than $3 billion for a wide range of charitable purposes. Helmsley’s Rural Healthcare Program funds innovative projects that use information technologies to connect rural patients to emergency medical care, bring the latest medical therapies to patients in remote areas, and provide state-of-the-art training for rural hospitals and EMS personnel. To date, this program has awarded more than $500 million to organizations and initiatives in the states of North Dakota, South Dakota, Nebraska, Wyoming, Minnesota, Iowa, Montana, and Nevada. For more information, visit helmsleytrust.org.

    Read More About Helmsley Charitable Trust Grants $3.1 Million to Renown Health

    • Senior Care
    • Health Insurance and Coverage

    5 Benefits of Medicare Advantage Plans

    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.

    Read More About 5 Benefits of Medicare Advantage Plans

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